#1₹300/yr
IndusInd Bank Tiger Credit Card
1 reward point/₹150 · Lounge & Premium
Best net value on this list — about ₹300/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹45,000/mo income · Unsecured
Lounge & Premium·SBI Card
Step-up from SimplyCLICK for lounge and partner rewards.
Age 21–60 · From ₹45,000/mo income · Unsecured
Key Benefits
All 9 benefits →Dining / grocery / dept stores / movies
5X reward points
Other spends
2X reward points
Dining
10 pts/150
Groceries
10 pts/150
Signup bonus: ₹3,000 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-25
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
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 MITC — 5X dining/grocery, 2X else; ₹3L waiver
Airport lounge, golf, concierge perks
Lounge access: 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year
Spend criteria: No minimum spend required for lounge access
Visa/Mastercard — UPI credit not supported.
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: SBI Card MITC — 5X dining/grocery, 2X else; ₹3L waiver
Dining / grocery / dept stores / movies
5X reward points
Other spends
2X reward points
Fee waiver at
₹3,00,000 annual spend
Lounge access
8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year
Spend criteria: No minimum spend required for lounge access
See worked examples of how points convert to cash value
dining — 10 pts per ₹150 spend
You spend
₹10,000
You earn
667 pts
Worth ≈
₹166.67
@ ₹0.25/point
groceries — 10 pts per ₹150 spend
You spend
₹10,000
You earn
667 pts
Worth ≈
₹166.67
@ ₹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
₹1,900
per year
Annual fee
Free
per year
Effective return
0.5%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹2,999 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹2,999
Annual / renewal fee
Waived on ₹3,00,000 annual spend
₹2,999
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 · ₹45,000/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 ₹2,320/year. After the ₹2,999 annual fee, net value is approximately ₹1,900/year. Use the calculator above to model your own spends.
₹45,000/month for salaried applicants (indicative — bank decides).
Fuel, Rent, Wallet top-ups, EMI transactions.
Deeper rankings and comparisons for similar use cases.
IndusInd Bank Tiger Credit Card
1 reward point/₹150 · Lounge & Premium
Best net value on this list — about ₹300/yr in your pocket after fees on typical spends.
Kotak White Credit Card
2X reward points · Lounge & Premium
Strong runner-up at -₹3,420/yr net — roughly ₹3,720 behind #1 on the same spend mix.
Axis Bank SELECT Credit Card
2 EDGE miles/₹150 · Lounge & Premium
Worth a look — -₹3,528/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
