#1₹1,970/yr
IDFC FIRST Millennia Credit Card
10X from first txn · UPI & RuPay
Best net value on this list — about ₹1,970/yr in your pocket after fees on typical spends.
UPI & RuPay·OneCard (BOB/FPL)
Popular with young salaried users — fully app managed.
Age 21–60 · From ₹15,000/mo income · Unsecured
Key Benefits
All 9 benefits →Top 2 categories (after unlock)
1% (5X)
Base / other spends
0.2%
Forex markup
1%
Dining
1%
Zero sales calls. Ever.
Caps & exclusions verified · 2026-09-24
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
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Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: OneCard MITC — 0.2% base; 5X=1% on top 2 cats after ₹750×3 unlock; 1% FX
Earn on UPI credit payments via RuPay-linked cards
RuPay metal credit card built for UPI — link on GPay, PhonePe, or Paytm.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: OneCard MITC — 0.2% base; 5X=1% on top 2 cats after ₹750×3 unlock; 1% FX
Top 2 categories (after unlock)
1% (5X)
Example: ₹10,000/mo spend → ≈ ₹100/mo
Base / other spends
0.2%
Example: ₹10,000/mo spend → ≈ ₹20/mo
Forex markup
1%
Example: ₹10,000/mo spend → ≈ ₹100/mo
Based on moderate spend for this market
Est. net annual
₹1,632
per year
Annual fee
Free
per year
Effective return
0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 1% on international transactions — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
1% 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 · ₹15,000/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 ₹1,752/year. After the ₹0 annual fee, net value is approximately ₹1,632/year. Use the calculator above to model your own spends.
₹15,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent.
Deeper rankings and comparisons for similar use cases.
IDFC FIRST Millennia Credit Card
10X from first txn · UPI & RuPay
Best net value on this list — about ₹1,970/yr in your pocket after fees on typical spends.
SBI SimplySAVE
10 RP/₹150 (1.7%) · UPI & RuPay
Strong runner-up at ₹1,650/yr net — roughly ₹320 behind #1 on the same spend mix.
SBI SimplyCLICK
10X points · UPI & RuPay
Worth a look — ₹1,500/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
