#1₹6,468/yr
Axis Bank Airtel Credit Card
25% · UPI & RuPay
Best net value on this list — about ₹6,468/yr in your pocket after fees on typical spends.
UPI & RuPay·Federal Bank
Federal Bank Scapia — LTF, 0% forex. Headline 10% coins is ~2% when 5 coins = ₹1; Scapia-app bookings earn more.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 8 benefits →Visa eligible spends
10% Scapia coins
5 coins = ₹1 → ~2% effective
Scapia-app travel
20% coins
~4% effective at 5 coins = ₹1
Forex
0% markup
Annual fee
Free
Lifetime free
Zero sales calls. Ever.
Caps & exclusions verified · 2026-11-06
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: Federal Bank Scapia KFS/MITC (nil joining & annual, 0% forex) + Scapia coins blog (5 coins = ₹1; Visa 10%, app 20%).
Earn on UPI credit payments via RuPay-linked cards
Scapia issues Visa + RuPay. RuPay earns 5% coins (~1% effective at 5 coins = ₹1); Visa 10% coins (~2%). Link RuPay for UPI credit.
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: Federal Bank Scapia KFS/MITC (nil joining & annual, 0% forex) + Scapia coins blog (5 coins = ₹1; Visa 10%, app 20%).
Visa eligible spends
5 coins = ₹1 → ~2% effective
10% Scapia coins
Example: ₹10,000/mo spend → ≈ ₹1,000/mo
Scapia-app travel
~4% effective at 5 coins = ₹1
20% coins
Example: ₹10,000/mo spend → ≈ ₹2,000/mo
Forex
0% markup
Forex markup
0%
Based on moderate spend for this market
Est. net annual
₹6,480
per year
Annual fee
Free
per year
Effective return
1.7%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 0% — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
0%
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 · ₹20,000/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 ₹6,480/year. After the ₹0 annual fee, net value is approximately ₹6,480/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
Fuel surcharge categories, Wallet load, Rent, EMI transactions.
Deeper rankings and comparisons for similar use cases.
Axis Bank Airtel Credit Card
25% · UPI & RuPay
Best net value on this list — about ₹6,468/yr in your pocket after fees on typical spends.
HDFC Bharat Cashback Credit Card
5% cashback · UPI & RuPay
Strong runner-up at ₹3,240/yr net — roughly ₹3,228 behind #1 on the same spend mix.
slice credit card
1% · UPI & RuPay
Worth a look — ₹3,240/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
