#1₹14,700/yr
HSBC Live+ Credit Card
10% · Cashback Kings
Best net value on this list — about ₹14,700/yr in your pocket after fees on typical spends.
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 10 benefits →All eligible spends
5 RP/₹150
1 RP = ₹1 → ≈3.3%
Duty-free
5% cashback
Forex markup
2%
All spends
5 pts/150
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.com/in Ultimate Card page (Sep 2026)
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.com/in Ultimate Card page (Sep 2026)
All eligible spends
1 RP = ₹1 → ≈3.3%
5 RP/₹150
Duty-free
5% cashback
Example: ₹10,000/mo spend → ≈ ₹500/mo
Forex markup
2%
Example: ₹10,000/mo spend → ≈ ₹200/mo
Lounge access
Priority Pass — 1 complimentary visit/month if prior-month spend > ₹20,000
Spend criteria: PP visit waived when last-month spend exceeds ₹20,000; otherwise ~USD 27/visit
See worked examples of how points convert to cash value
all — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹333.33
@ ₹1/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹1/pt in calculations.
Based on moderate spend for this market
Est. net annual
₹3,460
per year
Annual fee
₹5,900
per year
Effective return
0.9%
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 · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹5,000
Annual / renewal fee
Charged every year unless waived · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹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 ₹9,600/year. After the ₹5,000 annual fee, net value is approximately ₹3,460/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.
HSBC Live+ Credit Card
10% · Cashback Kings
Best net value on this list — about ₹14,700/yr in your pocket after fees on typical spends.
Standard Chartered Smart Card
2% cashback · Cashback Kings
Strong runner-up at ₹3,420/yr net — roughly ₹11,280 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.
