#1₹2,761/yr
ICICI Bank MakeMyTrip Credit Card
6% myCash · Travel & Miles
Best net value on this list — about ₹2,761/yr in your pocket after fees on typical spends.
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Travel & Miles·SBI Card
Dedicated travel earn card below ELITE tier.
Age 21–60 · From ₹35,000/mo income · Unsecured
Key Benefits
All 11 benefits →Travel
Accelerated travel points
Other spends
2X reward points
Lounge
4 domestic visits/year
Lounge
4/yr
Signup bonus: ₹2,000 (year 1)
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: SBI Card MILES T&Cs
Flights, hotels, zero forex options
Source: SBI Card MILES T&Cs
Travel
Accelerated travel points
Other spends
2X reward points
Lounge
4 domestic visits/year
Fee waiver at
₹3,00,000 annual spend
Lounge access
4 domestic airport lounge visits per year
Spend criteria: No minimum spend required for lounge access
Forex markup
3%
See worked examples of how points convert to cash value
travel — 9 pts per ₹150 spend
You spend
₹10,000
You earn
600 pts
Worth ≈
₹150
@ ₹0.25/point
all — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹33.33
@ ₹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
₹1,020
per year
Annual fee
Free
per year
Effective return
0.3%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹1,499 · Forex 3% — tap for full fees
Joining fee
Charged in first year
₹1,499
Annual / renewal fee
Waived on ₹3,00,000 annual spend
₹1,499
Forex markup
3%
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 · ₹35,000/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 ₹1,380/year. After the ₹1,499 annual fee, net value is approximately ₹1,020/year. Use the calculator above to model your own spends.
₹35,000/month for salaried applicants (indicative — bank decides).
Fuel, Rent, Wallet top-ups, EMI transactions.
Deeper rankings and comparisons for similar use cases.
ICICI Bank MakeMyTrip Credit Card
6% myCash · Travel & Miles
Best net value on this list — about ₹2,761/yr in your pocket after fees on typical spends.
Axis Bank Atlas Credit Card
5 EDGE Miles/₹150 · Travel & Miles
Strong runner-up at ₹1,404/yr net — roughly ₹1,357 behind #1 on the same spend mix.
Axis Bank Privilege Credit Card
2 EDGE miles/₹150 · Travel & Miles
Worth a look — ₹12/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
