#1-₹1,862/yr
ICICI Sapphiro Credit Card
4 RP/₹100 · Lounge & Premium
Best net value on this list — about -₹1,862/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹50,000/mo income · Unsecured
Lounge & Premium·Kotak Mahindra Bank
Mid-tier Kotak card for dining and travel rewards.
Age 21–60 · From ₹50,000/mo income · Unsecured
Key Benefits
All 9 benefits →Travel
2X reward points
Other spends
1X reward points
Intl lounge
8 domestic (2/quarter) + 4…
Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025)
Fee waiver
₹4,00,000
yearly spend
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹3,420/yr after fees. Rewards alone turn positive around ₹33,334/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-25
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 White Card T&Cs
Airport lounge, golf, concierge perks
Lounge access: 8 domestic (2/quarter) + 4 international/year (Priority Pass)
Spend criteria: Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025)
Source: Kotak White Card T&Cs
Travel
2X reward points
Other spends
1X reward points
Fee waiver at
₹4,00,000 annual spend
Lounge access
8 domestic (2/quarter) + 4 international/year (Priority Pass)
Spend criteria: Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025)
See worked examples of how points convert to cash value
travel — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹33.33
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹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
-₹3,420
per year
Annual fee
₹3,540
per year
Effective return
-0.9%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹3,000 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹3,000
Annual / renewal fee
Waived on ₹4,00,000 annual spend
₹3,000
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 · ₹50,000/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 ₹540/year. After the ₹3,000 annual fee, net value is approximately -₹3,420/year. Use the calculator above to model your own spends.
₹50,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
ICICI Sapphiro Credit Card
4 RP/₹100 · Lounge & Premium
Best net value on this list — about -₹1,862/yr in your pocket after fees on typical spends.
IndusInd Bank Crest Credit Card
2X reward points · Lounge & Premium
Strong runner-up at -₹5,576/yr net — roughly ₹3,714 behind #1 on the same spend mix.
RBL Bank Icon Credit Card
2X points/₹150 · Lounge & Premium
Worth a look — -₹5,780/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
