#1₹1,381/yr
IDFC FIRST Select Credit Card
3X reward points · Lounge & Premium
Best net value on this list — about ₹1,381/yr in your pocket after fees on typical spends.
Loading…
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
Intl lounge
8 domestic (2/quarter) + 4…
Fee waiver
₹5,00,000
yearly spend
Signup bonus: ₹3,000 (year 1)
High annual fee — may not pay off at moderate spend
At ₹31,000/mo, net value is -₹2,339/yr after fees. It turns positive around ₹41,668/mo — and at heavy spend (₹65,000/mo) we estimate ₹2,160/yr.
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: SBI Card PRIME T&Cs
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
Source: SBI Card PRIME T&Cs
Dining / grocery / dept stores / movies
5X reward points
Other spends
2X reward points
Fee waiver at
₹5,00,000 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
travel — 6 pts per ₹150 spend
You spend
₹10,000
You earn
400 pts
Worth ≈
₹100
@ ₹0.25/point
all — 3 pts per ₹150 spend
You spend
₹10,000
You earn
200 pts
Worth ≈
₹50
@ ₹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
-₹2,339
per year
Annual fee
₹3,539
per year
Effective return
-0.6%
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
₹2,999
Annual / renewal fee
Waived on ₹5,00,000 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 ₹1,620/year. After the ₹2,999 annual fee, net value is approximately -₹2,339/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.
IDFC FIRST Select Credit Card
3X reward points · Lounge & Premium
Best net value on this list — about ₹1,381/yr in your pocket after fees on typical spends.
ICICI Coral Credit Card
2 RP/₹100 · Lounge & Premium
Strong runner-up at -₹50/yr net — roughly ₹1,431 behind #1 on the same spend mix.
YES Bank Marquee Credit Card
4 RP/₹150 · Lounge & Premium
Worth a look — -₹10,839/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
