#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.
Cashback Kings·YES Bank
Solid mid-tier YES Bank card for commuters.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 9 benefits →Fuel
Accelerated
Other spends
Base rewards
Fee waiver
₹50,000
yearly spend
Other spends
Base
rewards
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: YES Bank KFS — ACE ₹499, renewal waived at ₹50k
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: YES Bank KFS — ACE ₹499, renewal waived at ₹50k
Fuel
Accelerated
Other spends
Base rewards
Fee waiver at
₹50,000 annual spend
Forex markup
2.75%
Based on moderate spend for this market
Est. net annual
₹3,990
per year
Annual fee
Free
per year
Effective return
1.1%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 2.75% — 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 ₹50,000 annual spend
₹499
Forex markup
2.75%
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 · ₹25,000/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 ₹4,320/year. After the ₹499 annual fee, net value is approximately ₹3,990/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI transactions, 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 ₹3,420/yr net — roughly ₹2,100 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.
