#1₹6,697/yr
PhonePe SBI Card SELECT BLACK
10% · UPI & RuPay
Best net value on this list — about ₹6,697/yr in your pocket after fees on typical spends.
UPI & RuPay·YES Bank
RuPay YES × POPclub card. Advertised 10/2 coins per ₹100; modeled at ₹0.50/coin because redemption is in the POP app, not statement credit.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 9 benefits →Online spends
10 POPcoins / ₹100
Modeled at ₹0.50/coin (5% effective) — POP app redemption, not cash
Other eligible spends
2 POPcoins / ₹100
Modeled at 1% effective
Renewal
₹399
Waived at ₹1.5L anniversary spend
Fee waiver
₹1,50,000
yearly spend
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: YES Bank schedule of charges (POP-CLUB Nil / ₹399) + YES MITC earn (10/2 POPcoins per ₹100). Existing YES credit cardholders ineligible.
Earn on UPI credit payments via RuPay-linked cards
RuPay YES BANK POP-CLUB — link on UPI apps. POP-app UPI may earn extra coins; fuel UPI is excluded from surcharge waiver.
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 schedule of charges (POP-CLUB Nil / ₹399) + YES MITC earn (10/2 POPcoins per ₹100). Existing YES credit cardholders ineligible.
Online spends
Modeled at ₹0.50/coin (5% effective) — POP app redemption, not cash
10 POPcoins / ₹100
Other eligible spends
Modeled at 1% effective
2 POPcoins / ₹100
Renewal
Waived at ₹1.5L anniversary spend
₹399
Fee waiver at
₹1,50,000 annual spend
Based on moderate spend for this market
Est. net annual
₹5,880
per year
Annual fee
Free
per year
Effective return
1.6%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹399 · 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.
₹0
Annual / renewal fee
Waived on ₹1,50,000 annual spend
₹399
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 · ₹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 ₹6,300/year. After the ₹399 annual fee, net value is approximately ₹5,880/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
Fuel, Rent, Wallet top-ups, Utilities, Insurance, Government, Education, EMI transactions, Cash.
Deeper rankings and comparisons for similar use cases.
PhonePe SBI Card SELECT BLACK
10% · UPI & RuPay
Best net value on this list — about ₹6,697/yr in your pocket after fees on typical spends.
PhonePe SBI Card PURPLE
3% · UPI & RuPay
Strong runner-up at ₹3,508/yr net — roughly ₹3,189 behind #1 on the same spend mix.
ICICI Bank MakeMyTrip Credit Card
6% myCash · UPI & RuPay
Worth a look — ₹3,301/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
