#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.
Loading…
Age 21–60 · From ₹60,000/mo income · Unsecured
Cashback Kings·Standard Chartered
Flat high cashback for affluent travellers.
Age 21–60 · From ₹60,000/mo income · Unsecured
Key Benefits
All 9 benefits →Travel
5%
₹5,000/mo spend on travel
All other spends
2%
All spends
2%
Intl lounge
Complimentary domestic + i…
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 Ultimate T&Cs
Flat cashback on spends — no points math
Source: Standard Chartered Ultimate T&Cs
Travel
5%
Cap: ₹5,000/mo spend on travel
Example: ₹5,000/mo spend → ≈ ₹250/mo (max at cap)
All other spends
2%
Example: ₹10,000/mo spend → ≈ ₹200/mo
Lounge access
Complimentary domestic + international airport lounge access (Priority Pass)
Spend criteria: No minimum spend required for lounge access
Based on moderate spend for this market
Est. net annual
₹700
per year
Annual fee
₹5,900
per year
Effective return
0.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹5,000 · Forex 2% on international transactions — tap for full fees
Joining fee
Charged in first year
₹5,000
Annual / renewal fee
Charged every year unless waived
₹5,000
Forex markup
2% 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 · ₹60,000/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 ₹6,840/year. After the ₹5,000 annual fee, net value is approximately ₹700/year. Use the calculator above to model your own spends.
₹60,000/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.
Standard Chartered Smart Card
2% cashback · Cashback Kings
Strong runner-up at ₹2,831/yr net — roughly ₹2,689 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.
