#1₹1,415/yr
AU Altura Credit Card
2% cashback · First Card / Entry
Best net value on this list — about ₹1,415/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹25,000/mo income · Unsecured
First Card / Entry·Kotak Mahindra Bank
Accelerated rewards on select categories.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 7 benefits →All spends
2 RP/₹150
Welcome
500 bonus points
On first transaction
All spends
2
RP/₹150
Welcome
500
bonus points — On first transaction
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Kotak League Platinum T&Cs
Low income threshold, easy approval
Source: Kotak League Platinum T&Cs
All spends
2 RP/₹150
Welcome
On first transaction
500 bonus points
See worked examples of how points convert to cash value
all — 4 pts per ₹150 spend
You spend
₹10,000
You earn
267 pts
Worth ≈
₹66.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Based on moderate spend for this market
Est. net annual
₹911
per year
Annual fee
₹589
per year
Effective return
0.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹499
Annual / renewal fee
Charged every year unless waived
₹499
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹25,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹1,920/year. After the ₹499 annual fee, net value is approximately ₹911/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
AU Altura Credit Card
2% cashback · First Card / Entry
Best net value on this list — about ₹1,415/yr in your pocket after fees on typical spends.
IndusInd Legend Credit Card
1 reward point/₹100 · First Card / Entry
Strong runner-up at ₹936/yr net — roughly ₹479 behind #1 on the same spend mix.
AU LIT Credit Card
1–2 RP/₹150 · First Card / Entry
Worth a look — ₹220/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
