#1₹5,520/yr
SBI Cashback Credit Card
5% · Cashback Kings
Best net value on this list — about ₹5,520/yr in your pocket after fees on typical spends.
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 7 benefits →Online spends
2% cashback
₹1,000/mo
Offline spends
1% cashback
₹500/mo
Online
2%
Cap ₹1,000/mo
All spends
1%
Cap ₹500/mo
Zero sales calls. Ever.
Caps & exclusions verified · 2026-09-24
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: SC India Smart Card launch page — ₹1.2L renewal waiver
Flat cashback on spends — no points math
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: SC India Smart Card launch page — ₹1.2L renewal waiver
Online spends
2% cashback
Cap: ₹1,000/mo
Example: ₹1,000/mo spend → ≈ ₹20/mo (max at cap)
Offline spends
1% cashback
Cap: ₹500/mo
Example: ₹500/mo spend → ≈ ₹5/mo (max at cap)
Fee waiver at
₹1,20,000 annual spend
Based on moderate spend for this market
Est. net annual
₹3,420
per year
Annual fee
Free
per year
Effective return
0.9%
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 · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹499
Annual / renewal fee
Waived on ₹1,20,000 annual spend
₹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 ₹3,420/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.
SBI Cashback Credit Card
5% · Cashback Kings
Best net value on this list — about ₹5,520/yr in your pocket after fees on typical spends.
YES ACE Credit Card
Accelerated · Cashback Kings
Strong runner-up at ₹3,990/yr net — roughly ₹1,530 behind #1 on the same spend mix.
American Express SmartEarn Credit Card
10X Membership Rewards · Cashback Kings
Worth a look — ₹3,192/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
