Value Calculator
Enter your annual spend to see which premium card delivers the most value. Toggle between yearly and 5-year projections to plan your credit card strategy.
Annual Spend
Set your estimated yearly credit card spending
₹5L
Estimate for:
Reward rate:
Value Rankings
₹5L/yr#1
HSBC
HSBC Privé
Net Value₹16,650 - ₹4,20,000
Rewards & Benefits₹16,650 - ₹4,20,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1 Privé Rewards per ₹30
HSBC Hopper Flights6 Privé Rewards per ₹30
HSBC Hopper Hotels12 Privé Rewards per ₹30
#2
HSBC
HSBC Premier Credit Card
Net Value₹-8,600 - ₹3,54,400
Rewards & Benefits₹15,000 - ₹3,78,000
Effective Fee (inc. GST)- ₹23,600
Reward Structure
Base Spend3 HSBC Reward Points per ₹100
HSBC Portal Flights18 HSBC Reward Points per ₹100
HSBC Portal Hotels36 HSBC Reward Points per ₹100
#3
Axis Bank
Axis Magnus for Burgundy
Net Value₹14,919 - ₹2,16,600
Rewards & Benefits₹50,319 - ₹2,52,000
Effective Fee (inc. GST)- ₹35,400
Reward Structure
Base Spend (Up to 1.5L)12 EDGE Reward Points per ₹200
Accelerated Spend (> 1.5L)35 EDGE Reward Points per ₹200
Travel EDGE Spend60 EDGE Reward Points per ₹200
#4
Axis Bank
Axis Bank Neo
Net Value₹205 - ₹1,99,705
Rewards & Benefits₹500 - ₹2,00,000
Effective Fee (inc. GST)- ₹295
Reward Structure
Base Spend1 EDGE Points per ₹200
#5
HDFC Bank
HDFC Diners Black
Net Value₹16,650 - ₹1,66,650
Rewards & Benefits₹16,650 - ₹1,66,650
Effective Fee (inc. GST)Free
Reward Structure
Base Spend5 HDFC Reward Points per ₹150
Weekend Dining (2X)10 HDFC Reward Points per ₹150
SmartBuy Hotels (10X)50 HDFC Reward Points per ₹150
#6
HDFC Bank
HDFC Diners Club Black Metal Edition
Net Value₹14,850 - ₹1,64,850
Rewards & Benefits₹26,650 - ₹1,76,650
Effective Fee (inc. GST)- ₹11,800
Reward Structure
Base Spend5 Reward Points per ₹150
SmartBuy Hotels50 Reward Points per ₹150
#7
SBI Card
Air India SBI Signature
Net Value₹34,101 - ₹1,64,101
Rewards & Benefits₹40,000 - ₹1,70,000
Effective Fee (inc. GST)- ₹5,899
Reward Structure
Base Spend4 Reward Points per ₹100
Air India (Self)30 Reward Points per ₹100
#8
HDFC Bank
HDFC Infinia Metal
Net Value₹1,900 - ₹1,51,900
Rewards & Benefits₹16,650 - ₹1,66,650
Effective Fee (inc. GST)- ₹14,750
Reward Structure
Base Spend5 HDFC Reward Points per ₹150
SmartBuy Flights (5X)25 HDFC Reward Points per ₹150
SmartBuy Hotels (10X)50 HDFC Reward Points per ₹150
#9
Axis Bank
Airtel Axis Bank Credit Card
Net Value₹5,000 - ₹1,25,000
Rewards & Benefits₹5,000 - ₹1,25,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1 INR per ₹100
Utility10 INR per ₹100
Airtel Spends25 INR per ₹100
#10
Axis Bank
Axis Magnus
Net Value₹10,410 - ₹1,11,250
Rewards & Benefits₹25,160 - ₹1,26,000
Effective Fee (inc. GST)- ₹14,750
Reward Structure
Base Spend (Up to 1.5L)12 EDGE Reward Points per ₹200
Accelerated Spend (> 1.5L)35 EDGE Reward Points per ₹200
Travel EDGE Spend60 EDGE Reward Points per ₹200
#11
Standard Chartered
Standard Chartered EaseMyTrip
Net Value₹2,087 - ₹99,587
Rewards & Benefits₹2,500 - ₹1,00,000
Effective Fee (inc. GST)- ₹413
Reward Structure
Base Spend2 Instant Discount per ₹100
#12
SBI Card
Air India SBI Platinum
Net Value₹13,231 - ₹78,231
Rewards & Benefits₹15,000 - ₹80,000
Effective Fee (inc. GST)- ₹1,769
Reward Structure
Base Spend2 Reward Points per ₹100
Air India (Self)15 Reward Points per ₹100
#13
HDFC Bank
HDFC Biz Black Metal Edition
Net Value₹4,850 - ₹71,550
Rewards & Benefits₹16,650 - ₹83,350
Effective Fee (inc. GST)- ₹11,800
Reward Structure
Base Spend5 HDFC Reward Points per ₹150
B2B / Tax Payments25 HDFC Reward Points per ₹150
#14
Axis Bank
Axis Olympus
Net Value₹-18,600 - ₹60,400
Rewards & Benefits₹5,000 - ₹84,000
Effective Fee (inc. GST)- ₹23,600
Reward Structure
Domestic Spend1 EDGE Miles per ₹100
International Spend2 EDGE Miles per ₹100
#15
SBI Card
IRCTC SBI Card Premier
Net Value₹9,731 - ₹55,731
Rewards & Benefits₹11,500 - ₹57,500
Effective Fee (inc. GST)- ₹1,769
Reward Structure
Base Spend1 IRCTC Reward Points per ₹125
Dining/Utility3 IRCTC Reward Points per ₹125
#16
HDFC Bank
Swiggy HDFC Bank
Net Value₹5,000 - ₹50,000
Rewards & Benefits₹5,000 - ₹50,000
Effective Fee (inc. GST)Free
Reward Structure
Offline / Other Spend1 INR per ₹100
Select Online Apps5 INR per ₹100
Swiggy Ecosystem Spend10 INR per ₹100
#17
HSBC
HSBC Live+
Net Value₹5,000 - ₹50,000
Rewards & Benefits₹5,000 - ₹50,000
Effective Fee (inc. GST)Free
Reward Structure
General Spend1 INR per ₹100
Dining, Delivery & Grocery10 INR per ₹100
#18
HSBC
HSBC RuPay Cashback
Net Value₹5,000 - ₹50,000
Rewards & Benefits₹5,000 - ₹50,000
Effective Fee (inc. GST)Free
Reward Structure
General/UPI Spend1 INR per ₹100
Accelerated Lifestyle Spend10 INR per ₹100
#19
HDFC Bank
Tata Neu Infinity HDFC Bank
Net Value₹7,500 - ₹50,000
Rewards & Benefits₹7,500 - ₹50,000
Effective Fee (inc. GST)Free
Reward Structure
UPI / Base Spends1.5 NeuCoins per ₹100
Tata Brands5 NeuCoins per ₹100
#20
SBI Card
IRCTC SBI Platinum
Net Value₹3,410 - ₹49,410
Rewards & Benefits₹4,000 - ₹50,000
Effective Fee (inc. GST)- ₹590
Reward Structure
Base Spend1 IRCTC Reward Points per ₹125
#21
American Express
Amex Platinum Charge
Net Value₹-71,630 - ₹47,120
Rewards & Benefits₹6,250 - ₹1,25,000
Effective Fee (inc. GST)- ₹77,880
Reward Structure
Base Spend1 Membership Rewards (MR) per ₹40
International Spend (3X)3 Membership Rewards (MR) per ₹40
Reward Multiplier Spend (5X)5 Membership Rewards (MR) per ₹40
Reward Xcelerator (10X)10 Membership Rewards (MR) per ₹40
Reward Xcelerator (20X)20 Membership Rewards (MR) per ₹40
#22
Axis Bank
Axis Atlas
Net Value₹4,100 - ₹46,600
Rewards & Benefits₹10,000 - ₹52,500
Effective Fee (inc. GST)- ₹5,900
Reward Structure
Base Spend2 EDGE Miles per ₹100
Direct Airline/Hotel Spend5 EDGE Miles per ₹100
#23
Axis Bank
Axis Bank Vistara Infinite
Net Value₹28,700 - ₹40,700
Rewards & Benefits₹40,500 - ₹52,500
Effective Fee (inc. GST)- ₹11,800
Reward Structure
All Spends6 CV Points per ₹200
#24
HDFC Bank
HDFC Regalia Gold
Net Value₹13,150 - ₹39,800
Rewards & Benefits₹13,150 - ₹39,800
Effective Fee (inc. GST)Free
Reward Structure
Base Spend4 HDFC Reward Points per ₹150
Marks & Spencer / Nykaa20 HDFC Reward Points per ₹150
#25
HSBC
HSBC Travel One
Net Value₹1,601 - ₹39,101
Rewards & Benefits₹7,500 - ₹45,000
Effective Fee (inc. GST)- ₹5,899
Reward Structure
Base Spend3 HSBC Reward Points per ₹100
Travel / Multiplier Categories9 HSBC Reward Points per ₹100
#26
HDFC Bank
HDFC Shoppers Stop Black
Net Value₹2,230 - ₹38,230
Rewards & Benefits₹4,000 - ₹40,000
Effective Fee (inc. GST)- ₹1,770
Reward Structure
Base Spend2 First Citizen Points per ₹150
SS Private Labels20 First Citizen Points per ₹150
#27
HDFC Bank
Tata Neu Plus HDFC Bank
Net Value₹5,000 - ₹35,000
Rewards & Benefits₹5,000 - ₹35,000
Effective Fee (inc. GST)Free
Reward Structure
UPI / Base Spends1 NeuCoins per ₹100
Tata Brands2 NeuCoins per ₹100
#28
SBI Card
Club Vistara SBI Card PRIME
Net Value₹28,461 - ₹33,461
Rewards & Benefits₹32,000 - ₹37,000
Effective Fee (inc. GST)- ₹3,539
Reward Structure
All Spends4 CV Points per ₹200
#29
HDFC Bank
HDFC Regalia
Net Value₹6,650 - ₹33,300
Rewards & Benefits₹6,650 - ₹33,300
Effective Fee (inc. GST)Free
Reward Structure
Base Spend4 HDFC Reward Points per ₹150
SmartBuy Flights/Hotels20 HDFC Reward Points per ₹150
#30
SBI Card
SBI Card PRIME
Net Value₹10,500 - ₹33,000
Rewards & Benefits₹10,500 - ₹33,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend2 SBI Reward Points per ₹100
Dining/Groceries10 SBI Reward Points per ₹100
Utility AutoPay20 SBI Reward Points per ₹100
#31
American Express
Amex Platinum Travel
Net Value₹26,600 - ₹31,600
Rewards & Benefits₹32,500 - ₹37,500
Effective Fee (inc. GST)- ₹5,900
Reward Structure
Base Spend1 Membership Rewards (MR) per ₹50
Reward Multiplier Spend (3X)3 Membership Rewards (MR) per ₹50
#32
SBI Card
SBI BPCL Octane
Net Value₹1,481 - ₹31,481
Rewards & Benefits₹3,250 - ₹33,250
Effective Fee (inc. GST)- ₹1,769
Reward Structure
Base Spend1 SBI Reward Points per ₹100
BPCL Fuel25 SBI Reward Points per ₹100
#33
IDFC FIRST Bank
Club Vistara IDFC FIRST
Net Value₹21,961 - ₹29,461
Rewards & Benefits₹25,500 - ₹33,000
Effective Fee (inc. GST)- ₹3,539
Reward Structure
Spends < 1L6 CV Points per ₹200
#34
American Express
American Express SmartEarn
Net Value₹3,911 - ₹26,411
Rewards & Benefits₹4,495 - ₹26,995
Effective Fee (inc. GST)- ₹584
Reward Structure
Base Spend1 Membership Rewards (MR) per ₹50
Reward Multiplier Spend (2X)2 Membership Rewards (MR) per ₹50
5X Category5 Membership Rewards (MR) per ₹50
10X Category10 Membership Rewards (MR) per ₹50
#35
HDFC Bank
HDFC Millennia
Net Value₹6,000 - ₹26,000
Rewards & Benefits₹6,000 - ₹26,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1 CashPoints per ₹100
Partner Spend5 CashPoints per ₹100
#36
AU Small Finance Bank
AU LIT Credit Card
Net Value₹1,750 - ₹25,500
Rewards & Benefits₹1,750 - ₹25,500
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1 AU Reward Points per ₹100
#37
Axis Bank
Burgundy Private - The One Card
Net Value₹-54,000 - ₹25,000
Rewards & Benefits₹5,000 - ₹84,000
Effective Fee (inc. GST)- ₹59,000
Reward Structure
Base Domestic Spend10 EDGE Reward Points per ₹200
International Spend20 EDGE Reward Points per ₹200
#38
Axis Bank
Axis ACE
Net Value₹7,500 - ₹25,000
Rewards & Benefits₹7,500 - ₹25,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1.5 INR per ₹100
Swiggy / Zomato / Ola4 INR per ₹100
Utility Bills via Google Pay5 INR per ₹100
#39
Axis Bank
Axis Flipkart
Net Value₹7,500 - ₹25,000
Rewards & Benefits₹7,500 - ₹25,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1.5 INR per ₹100
Cleartrip / Cult.fit4 INR per ₹100
Flipkart Purchases5 INR per ₹100
#40
Axis Bank
Axis Cashback
Net Value₹5,000 - ₹25,000
Rewards & Benefits₹5,000 - ₹25,000
Effective Fee (inc. GST)Free
Reward Structure
Base Offline Spend1 INR per ₹100
Online Spend5 INR per ₹100
#41
ICICI Bank
Amazon Pay ICICI Bank
Net Value₹5,000 - ₹25,000
Rewards & Benefits₹5,000 - ₹25,000
Effective Fee (inc. GST)Free
Reward Structure
Non-Amazon Spend1 Amazon Pay Balance (INR) per ₹100
Amazon Bill Pay/Flights2 Amazon Pay Balance (INR) per ₹100
Amazon India (Prime)5 Amazon Pay Balance (INR) per ₹100
#42
SBI Card
SBI Cashback Credit Card
Net Value₹5,000 - ₹25,000
Rewards & Benefits₹5,000 - ₹25,000
Effective Fee (inc. GST)Free
Reward Structure
Offline Spends1 Cashback per ₹100
Online Spends5 Cashback per ₹100
#43
HDFC Bank
HDFC PIXEL Play
Net Value₹4,410 - ₹24,410
Rewards & Benefits₹5,000 - ₹25,000
Effective Fee (inc. GST)- ₹590
Reward Structure
Base Spend1 PIXEL CashPoints per ₹100
E-commerce Pick3 PIXEL CashPoints per ₹100
5% Packs5 PIXEL CashPoints per ₹100
#44
ICICI Bank
ICICI Bank HPCL Super Saver
Net Value₹1,910 - ₹24,410
Rewards & Benefits₹2,500 - ₹25,000
Effective Fee (inc. GST)- ₹590
Reward Structure
Base Spend2 ICICI Rewards per ₹100
HPCL Fuel16 ICICI Rewards per ₹100
#45
Axis Bank
Axis Vistara Signature
Net Value₹18,460 - ₹23,460
Rewards & Benefits₹22,000 - ₹27,000
Effective Fee (inc. GST)- ₹3,540
Reward Structure
All Spends4 CV Points per ₹200
#46
HDFC Bank
Marriott Bonvoy HDFC Bank
Net Value₹3,110 - ₹23,110
Rewards & Benefits₹6,650 - ₹26,650
Effective Fee (inc. GST)- ₹3,540
Reward Structure
Base Spend2 Marriott Bonvoy Points per ₹150
Dining, Flight, Entertainment4 Marriott Bonvoy Points per ₹150
Marriott Hotel Spend8 Marriott Bonvoy Points per ₹150
#47
Bank of Baroda
Bank of Baroda Eterna
Net Value₹5,801 - ₹20,801
Rewards & Benefits₹8,750 - ₹23,750
Effective Fee (inc. GST)- ₹2,949
Reward Structure
Base Spend3 BOB Reward Points per ₹100
Travel/Dining/Online15 BOB Reward Points per ₹100
#48
Axis Bank
IndianOil Axis Bank Credit Card
Net Value₹1,000 - ₹20,000
Rewards & Benefits₹1,000 - ₹20,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1 EDGE Points per ₹100
IOCL Fuel Spend20 EDGE Points per ₹100
#49
Federal Bank
Federal Bank Scapia
Net Value₹5,000 - ₹20,000
Rewards & Benefits₹5,000 - ₹20,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend (Visa)10 Scapia Coins per ₹100
Scapia App Travel20 Scapia Coins per ₹100
UPI Spend (RuPay)5 Scapia Coins per ₹100
#50
Axis Bank
Axis Select
Net Value₹1,460 - ₹17,460
Rewards & Benefits₹5,000 - ₹21,000
Effective Fee (inc. GST)- ₹3,540
Reward Structure
Base Spend10 EDGE Reward Points per ₹200
Retail Shopping Spend20 EDGE Reward Points per ₹200
#51
Axis Bank
Axis Horizon
Net Value₹1,460 - ₹17,460
Rewards & Benefits₹5,000 - ₹21,000
Effective Fee (inc. GST)- ₹3,540
Reward Structure
Base Spend1 EDGE Miles per ₹100
International Spend2 EDGE Miles per ₹100
#52
HDFC Bank
HDFC MoneyBack+
Net Value₹2,150 - ₹17,150
Rewards & Benefits₹2,150 - ₹17,150
Effective Fee (inc. GST)Free
Reward Structure
Base Spend2 CashPoints per ₹150
10X Partners20 CashPoints per ₹150
#53
Yes Bank
Yes Bank Marquee
Net Value₹5,351 - ₹16,601
Rewards & Benefits₹11,250 - ₹22,500
Effective Fee (inc. GST)- ₹5,899
Reward Structure
Offline Spend18 YES Rewardz per ₹200
Online Spend36 YES Rewardz per ₹200
#54
SBI Card
SBI SimplyCLICK
Net Value₹5,250 - ₹16,500
Rewards & Benefits₹5,250 - ₹16,500
Effective Fee (inc. GST)Free
Reward Structure
Offline Spend1 SBI Reward Points per ₹100
Online Spend5 SBI Reward Points per ₹100
Partner Spend10 SBI Reward Points per ₹100
#55
ICICI Bank
MakeMyTrip ICICI Bank Signature
Net Value₹8,200 - ₹15,100
Rewards & Benefits₹8,200 - ₹15,100
Effective Fee (inc. GST)Free
Reward Structure
Domestic Spend1.25 My Cash per ₹200
MMT Hotel Spend4 My Cash per ₹200
#56
IDFC FIRST Bank
IDFC FIRST Wealth
Net Value₹3,750 - ₹12,500
Rewards & Benefits₹3,750 - ₹12,500
Effective Fee (inc. GST)Free
Reward Structure
Offline Spend3 IDFC Points per ₹100
Online Spend6 IDFC Points per ₹100
Spend > 30k10 IDFC Points per ₹100
#57
IDFC FIRST Bank
IDFC FIRST Select
Net Value₹3,750 - ₹12,500
Rewards & Benefits₹3,750 - ₹12,500
Effective Fee (inc. GST)Free
Reward Structure
Offline Spend3 IDFC Points per ₹100
Online Spend6 IDFC Points per ₹100
Spend > 25k10 IDFC Points per ₹100
#58
SBI Card
SBI SimplySAVE
Net Value₹1,250 - ₹12,500
Rewards & Benefits₹1,250 - ₹12,500
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1 SBI Reward Points per ₹100
Dining & Groceries10 SBI Reward Points per ₹100
#59
IDFC FIRST Bank
IDFC FIRST Millennia
Net Value₹3,750 - ₹12,500
Rewards & Benefits₹3,750 - ₹12,500
Effective Fee (inc. GST)Free
Reward Structure
Offline Spend3 IDFC Points per ₹100
Online Spend6 IDFC Points per ₹100
Spends > 20K10 IDFC Points per ₹100
#60
IDFC FIRST Bank
IDFC FIRST Classic
Net Value₹3,750 - ₹12,500
Rewards & Benefits₹3,750 - ₹12,500
Effective Fee (inc. GST)Free
Reward Structure
Offline Spend3 IDFC Points per ₹100
Online Spend6 IDFC Points per ₹100
Spends > 20K10 IDFC Points per ₹100
#61
RBL Bank
RBL Insignia Preferred Banking World
Net Value₹6,250 - ₹12,500
Rewards & Benefits₹6,250 - ₹12,500
Effective Fee (inc. GST)Free
Reward Structure
Domestic5 Reward Points per ₹100
International10 Reward Points per ₹100
#62
SBI Card
SBI Card Pulse
Net Value₹2,231 - ₹12,231
Rewards & Benefits₹4,000 - ₹14,000
Effective Fee (inc. GST)- ₹1,769
Reward Structure
Base Spend2 SBI Reward Points per ₹100
Pharmacy/Dining10 SBI Reward Points per ₹100
#63
HDFC Bank
HDFC Diners Club Privilege
Net Value₹5,200 - ₹11,850
Rewards & Benefits₹8,150 - ₹14,800
Effective Fee (inc. GST)- ₹2,950
Reward Structure
Base Spend4 HDFC Reward Points per ₹150
#64
SBI Card
SBI Card ELITE
Net Value₹1,601 - ₹11,601
Rewards & Benefits₹7,500 - ₹17,500
Effective Fee (inc. GST)- ₹5,899
Reward Structure
Base Spend2 SBI Reward Points per ₹100
Dining & Groceries10 SBI Reward Points per ₹100
#65
Bank of Baroda
Bank of Baroda Premier
Net Value₹1,320 - ₹11,320
Rewards & Benefits₹2,500 - ₹12,500
Effective Fee (inc. GST)- ₹1,180
Reward Structure
Base Spend2 BOB Reward Points per ₹100
Travel/Dining/Intl10 BOB Reward Points per ₹100
#66
Standard Chartered
Standard Chartered Ultimate
Net Value₹10,750
Rewards & Benefits₹16,650
Effective Fee (inc. GST)- ₹5,900
Reward Structure
All Spends5 Reward Points per ₹150
#67
Standard Chartered
Standard Chartered Smart
Net Value₹5,000 - ₹10,000
Rewards & Benefits₹5,000 - ₹10,000
Effective Fee (inc. GST)Free
Reward Structure
Offline Spend1 INR per ₹100
Online Spend2 INR per ₹100
#68
IDFC FIRST Bank
IDFC FIRST Mayura
Net Value₹-2,929 - ₹9,571
Rewards & Benefits₹4,150 - ₹16,650
Effective Fee (inc. GST)- ₹7,079
Reward Structure
Spends up to 20K5 IDFC Reward Points per ₹150
Spends > 20K10 IDFC Reward Points per ₹150
#69
IndusInd Bank
IndusInd Pinnacle
Net Value₹3,750 - ₹9,350
Rewards & Benefits₹3,750 - ₹9,350
Effective Fee (inc. GST)Free
Reward Structure
Offline Spend1 Reward Points per ₹100
Online Spend2.5 Reward Points per ₹100
#70
IDFC FIRST Bank
IDFC FIRST Ashva
Net Value₹211 - ₹8,961
Rewards & Benefits₹3,750 - ₹12,500
Effective Fee (inc. GST)- ₹3,539
Reward Structure
Offline Spend3 IDFC Points per ₹100
Online Spend6 IDFC Points per ₹100
Spends > 20K10 IDFC Points per ₹100
#71
Kotak Mahindra Bank
Kotak League Platinum
Net Value₹2,910 - ₹8,560
Rewards & Benefits₹3,500 - ₹9,150
Effective Fee (inc. GST)- ₹590
Reward Structure
Travel/Lifestyle8 Reward Points per ₹150
#72
American Express
American Express Gold Charge
Net Value₹-2,310 - ₹7,690
Rewards & Benefits₹3,000 - ₹13,000
Effective Fee (inc. GST)- ₹5,310
Reward Structure
Base Spend1 Membership Rewards (MR) per ₹50
Reward Multiplier Spend (5X)5 Membership Rewards (MR) per ₹50
#73
IndusInd Bank
EazyDiner IndusInd Bank
Net Value₹-359 - ₹7,641
Rewards & Benefits₹2,000 - ₹10,000
Effective Fee (inc. GST)- ₹2,359
Reward Structure
Base Spend2 Reward Points per ₹100
Dining & Ent.10 Reward Points per ₹100
#74
IndusInd Bank
IndusInd Bank Legend
Net Value₹3,750 - ₹7,500
Rewards & Benefits₹3,750 - ₹7,500
Effective Fee (inc. GST)Free
Reward Structure
Weekday Spends1 Reward Points per ₹100
Weekend Spends2 Reward Points per ₹100
#75
Standard Chartered
Standard Chartered Priority Visa Infinite
Net Value₹2,500 - ₹6,250
Rewards & Benefits₹2,500 - ₹6,250
Effective Fee (inc. GST)Free
Reward Structure
Base Spend2 Reward Points per ₹100
Overseas/Fashion5 Reward Points per ₹100
#76
American Express
Amex Platinum Reserve
Net Value₹700 - ₹5,700
Rewards & Benefits₹12,500 - ₹17,500
Effective Fee (inc. GST)- ₹11,800
Reward Structure
Base Spend1 Membership Rewards (MR) per ₹50
Reward Multiplier Spend (3X)3 Membership Rewards (MR) per ₹50
#77
IndusInd Bank
IndusInd Bank Celesta
Net Value₹-2,150 - ₹5,350
Rewards & Benefits₹3,750 - ₹11,250
Effective Fee (inc. GST)- ₹5,900
Reward Structure
Domestic1 Reward Points per ₹100
International3 Reward Points per ₹100
#78
AU Small Finance Bank
AU Zenith+ Metal Credit Card
Net Value₹101 - ₹5,101
Rewards & Benefits₹6,000 - ₹11,000
Effective Fee (inc. GST)- ₹5,899
Reward Structure
Base Spend1 Reward Points per ₹100
Travel/Dining/Intl2 Reward Points per ₹100
#79
ICICI Bank
ICICI Bank Rubyx
Net Value₹2,500 - ₹5,000
Rewards & Benefits₹2,500 - ₹5,000
Effective Fee (inc. GST)Free
Reward Structure
Domestic Spend2 ICICI Rewards per ₹100
International Spend4 ICICI Rewards per ₹100
#80
Multiple Partners (e.g., BoB, Federal, SBM)
OneCard Metal
Net Value₹1,000 - ₹5,000
Rewards & Benefits₹1,000 - ₹5,000
Effective Fee (inc. GST)Free
Reward Structure
Base Spend1 OneCard Points per ₹50
Top 2 Categories5 OneCard Points per ₹50
#81
IDFC FIRST Bank
IDFC FIRST WOW
Net Value₹5,000
Rewards & Benefits₹5,000
Effective Fee (inc. GST)Free
Reward Structure
All Spends4 IDFC Points per ₹100
#82
Axis Bank
Axis Bank Privilege
Net Value₹4,730
Rewards & Benefits₹6,500
Effective Fee (inc. GST)- ₹1,770
Reward Structure
All Spends10 EDGE Reward Points per ₹200
#83
Kotak Mahindra Bank
Kotak Zen Signature
Net Value₹1,755 - ₹4,255
Rewards & Benefits₹3,525 - ₹6,025
Effective Fee (inc. GST)- ₹1,770
Reward Structure
Base Spend2 Zen Points per ₹150
Lifestyle5 Zen Points per ₹150
#84
Axis Bank
Axis Reserve
Net Value₹-51,500 - ₹4,000
Rewards & Benefits₹7,500 - ₹63,000
Effective Fee (inc. GST)- ₹59,000
Reward Structure
Base Spend15 EDGE Reward Points per ₹200
International Spend30 EDGE Reward Points per ₹200
#85
RBL Bank
Bajaj Finserv RBL Bank Platinum Plus SuperCard
Net Value₹3,821
Rewards & Benefits₹5,000
Effective Fee (inc. GST)- ₹1,179
Reward Structure
Base Spend2 Reward Points per ₹100
#86
ICICI Bank
Emirates Skywards ICICI Emeralde
Net Value₹-8,300 - ₹3,200
Rewards & Benefits₹3,500 - ₹15,000
Effective Fee (inc. GST)- ₹11,800
Reward Structure
Base Spend1 Skywards Miles per ₹100
Emirates Spend2.5 Skywards Miles per ₹100
#87
Kotak Mahindra Bank
Kotak 811 #DreamDifferent
Net Value₹1,410 - ₹2,660
Rewards & Benefits₹2,000 - ₹3,250
Effective Fee (inc. GST)- ₹590
Reward Structure
Offline Spend1 Reward Points per ₹100
Online Spend2 Reward Points per ₹100
#88
AU Small Finance Bank
AU Vetta Credit Card
Net Value₹86 - ₹2,586
Rewards & Benefits₹3,625 - ₹6,125
Effective Fee (inc. GST)- ₹3,539
Reward Structure
Base Spend2 Reward Points per ₹100
Groceries4 Reward Points per ₹100
#89
ICICI Bank
ICICI Bank Coral
Net Value₹2,500
Rewards & Benefits₹2,500
Effective Fee (inc. GST)Free
Reward Structure
Base Spend2 ICICI Rewards per ₹100
#90
ICICI Bank
ICICI Bank Platinum Chip
Net Value₹2,500
Rewards & Benefits₹2,500
Effective Fee (inc. GST)Free
Reward Structure
Base Spend2 PAYBACK Points per ₹100
#91
Axis Bank
Axis My Zone
Net Value₹1,410
Rewards & Benefits₹2,000
Effective Fee (inc. GST)- ₹590
Reward Structure
Base Spend4 EDGE Points per ₹200
#92
ICICI Bank
ICICI Bank Sapphiro
Net Value₹-1,630 - ₹870
Rewards & Benefits₹2,500 - ₹5,000
Effective Fee (inc. GST)- ₹4,130
Reward Structure
Domestic Spend2 ICICI Rewards per ₹100
International Spend4 ICICI Rewards per ₹100
#93
American Express
American Express Membership Rewards Credit Card
Net Value₹-1,810 - ₹690
Rewards & Benefits₹3,500 - ₹6,000
Effective Fee (inc. GST)- ₹5,310
Reward Structure
Base Spend1 Membership Rewards (MR) per ₹50
Reward Multiplier Spend (2X)2 Membership Rewards (MR) per ₹50
#94
ICICI Bank
ICICI Emeralde Private Metal
Net Value₹-7,249 - ₹251
Rewards & Benefits₹7,500 - ₹15,000
Effective Fee (inc. GST)- ₹14,749
Reward Structure
Base Spend6 ICICI Reward Points per ₹200
#95
IndusInd Bank
IndusInd Bank Crest
Net Value₹-8,050 - ₹-2,450
Rewards & Benefits₹3,750 - ₹9,350
Effective Fee (inc. GST)- ₹11,800
Reward Structure
Domestic1 Reward Points per ₹100
International2.5 Reward Points per ₹100
#96
ICICI Bank
ICICI Bank Diamant
Net Value₹-8,050 - ₹-4,300
Rewards & Benefits₹3,750 - ₹7,500
Effective Fee (inc. GST)- ₹11,800
Reward Structure
Domestic Spends3 PAYBACK/ICICI Rewards per ₹100
International Spends6 PAYBACK/ICICI Rewards per ₹100
#97
Kotak Mahindra Bank
Kotak White Reserve
Net Value₹-9,750 - ₹-4,750
Rewards & Benefits₹5,000 - ₹10,000
Effective Fee (inc. GST)- ₹14,750
Reward Structure
Milestone Focused0 White Pass per ₹100
#98
SBI Card
SBI Card AURUM
Net Value₹-5,299
Rewards & Benefits₹6,500
Effective Fee (inc. GST)- ₹11,799
Reward Structure
All Spends4 Reward Points per ₹100
#99
ICICI Bank
Times Black ICICI Bank
Net Value₹-19,850 - ₹-8,600
Rewards & Benefits₹3,750 - ₹15,000
Effective Fee (inc. GST)- ₹23,600
Max Value Tip: 10X points on select merchant categories
#100
ICICI Bank
ICICI Bank Emeralde
Net Value₹-9,160
Rewards & Benefits₹5,000
Effective Fee (inc. GST)- ₹14,160
Reward Structure
Base Spend4 PAYBACK Points per ₹100
#101
American Express
American Express Centurion (Black Card)
Net Value₹-3,17,000 - ₹-24,500
Rewards & Benefits₹7,500 - ₹3,00,000
Effective Fee (inc. GST)- ₹3,24,500
Reward Structure
Base Spend6 Membership Rewards (MR) per ₹200
Reward Multiplier Spend (10X)60 Membership Rewards (MR) per ₹200
Reward Xcelerator (20X)120 Membership Rewards (MR) per ₹200
#102
Yes Bank
Yes Private Credit Card
Net Value₹-52,750 - ₹-46,500
Rewards & Benefits₹6,250 - ₹12,500
Effective Fee (inc. GST)- ₹59,000
Reward Structure
Base Spend10 Reward Points per ₹200
Travel and Dining20 Reward Points per ₹200
#103
IDFC FIRST Bank
IDFC FIRST Private
Net Value₹-46,500
Rewards & Benefits₹12,500
Effective Fee (inc. GST)- ₹59,000
Reward Structure
Base Spend10 Reward Points per ₹100
#104
HSBC
HSBC Taj Credit Card
Net Value₹-1,24,800 - ₹-99,800
Rewards & Benefits₹5,000 - ₹30,000
Effective Fee (inc. GST)- ₹1,29,800
Reward Structure
Base Spend1 Taj NeuCoins per ₹100
Taj Properties Spend6 Taj NeuCoins per ₹100
#105
Axis Bank
Axis Primus
Net Value₹-3,49,000 - ₹-3,01,500
Rewards & Benefits₹5,000 - ₹52,500
Effective Fee (inc. GST)- ₹3,54,000
Reward Structure
Base Spends1 EDGE Miles per ₹100