#1₹6,481/yr
ICICI Amazon Pay Credit Card
5% · Shopping Partners
Best net value on this list — about ₹6,481/yr in your pocket after fees on typical spends.
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Shopping Partners·RBL Bank
Lifetime free with grocery cashback.
Age 21–60 · From ₹15,000/mo income · Unsecured
Key Benefits
All 8 benefits →Groceries
5% on first ₹1,000/mo
Then base rate
Other spends
1 reward point/₹100
Groceries
5%
On ₹1,000/mo spend
All spends
1 pts/150
High annual fee — may not pay off at moderate spend
At ₹31,000/mo, net value is -₹30/yr after the ₹500 annual fee. At modeled spend levels, rewards alone may not cover the fee — this card is for lounge, travel, and lifestyle perks more than raw cashback math.
Model your spends in the calculator →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: RBL ShopRite T&Cs
Amazon, Flipkart & co-branded accelerators
Source: RBL ShopRite T&Cs
Groceries
Then base rate
5% on first ₹1,000/mo
Example: ₹10,000/mo spend → ≈ ₹500/mo
Other spends
1 reward point/₹100
See worked examples of how points convert to cash value
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
-₹30
per year
Annual fee
₹590
per year
Effective return
-0.0%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹500 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹500
Annual / renewal fee
Charged every year unless waived
₹500
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 · ₹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 ₹980/year. After the ₹500 annual fee, net value is approximately -₹30/year. Use the calculator above to model your own spends.
₹15,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
ICICI Amazon Pay Credit Card
5% · Shopping Partners
Best net value on this list — about ₹6,481/yr in your pocket after fees on typical spends.
HDFC Millennia Credit Card
5% · Shopping Partners
Strong runner-up at ₹6,300/yr net — roughly ₹181 behind #1 on the same spend mix.
Bajaj Finserv RBL Bank SuperCard
2X points/₹150 · Shopping Partners
Worth a look — -₹899/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
