#1₹5,880/yr
American Express SmartEarn Credit Card
10X Membership Rewards · Cashback Kings
Best net value on this list — about ₹5,880/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹30,000/mo income · Unsecured
Cashback Kings·Standard Chartered
Simple 2% on online purchases.
Age 21–60 · From ₹30,000/mo income · Unsecured
Key Benefits
All 6 benefits →Online spends
2% cashback
Other spends
1% cashback
Online spends
2%
cashback
Other spends
1%
cashback
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: Standard Chartered Smart T&Cs
Flat cashback on spends — no points math
Source: Standard Chartered Smart T&Cs
Online spends
2% cashback
Example: ₹10,000/mo spend → ≈ ₹200/mo
Other spends
1% cashback
Example: ₹10,000/mo spend → ≈ ₹100/mo
Based on moderate spend for this market
Est. net annual
₹2,831
per year
Annual fee
₹589
per year
Effective return
0.8%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹499
Annual / renewal fee
Charged every year unless waived
₹499
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 · ₹30,000/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 ₹3,840/year. After the ₹499 annual fee, net value is approximately ₹2,831/year. Use the calculator above to model your own spends.
₹30,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
American Express SmartEarn Credit Card
10X Membership Rewards · Cashback Kings
Best net value on this list — about ₹5,880/yr in your pocket after fees on typical spends.
SBI Cashback Credit Card
5% · Cashback Kings
Strong runner-up at ₹5,520/yr net — roughly ₹360 behind #1 on the same spend mix.
Kotak Urbane Gold Credit Card
3 reward points/₹100 · Cashback Kings
Worth a look — ₹1,020/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
