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Set your monthly spending and we rank every card by the net rupee value it returns — after fees and reward caps. Updates live, no login.

HDFC BankHDFC Bank Diners Club Black Credit Card

Best for your spending

HDFC Bank Diners Club Black Credit Card

HDFC Bank

₹31,188

net value / year

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Ranked by net annual value after fees. How we calculate this

  1. 1
    HDFC BankHDFC Bank Diners Club Black Credit Card

    HDFC Bank Diners Club Black Credit Card

    HDFC Bank

    ₹31,188
    net / year

    Where your value comes from

    Online shopping
    ₹23,998
    Travel
    ₹7,999
    Groceries
    ₹3,197
    UPI spends
    ₹1,998
    Rewards ₹41,188 − fee ₹10,000= ₹31,188
  2. 2
    HDFC Bank Infinia Credit Card

    HDFC Bank Infinia Credit Card

    HDFC Bank

    ₹28,288
    net / year
  3. 3
    Standard Chartered Ultimate Credit Card

    Standard Chartered Ultimate Credit Card

    Standard Chartered Bank

    ₹7,388
    net / year
  4. 4
    Amazon Pay ICICI Credit Card

    Amazon Pay ICICI Credit Card

    ICICI Bank

    ₹6,600
    net / year
  5. 5
    Flipkart Axis Bank Credit Card

    Flipkart Axis Bank Credit Card

    Axis Bank

    ₹6,340
    net / year
  6. 6
    American Express SmartEarn Credit Card

    American Express SmartEarn Credit Card

    American Express

    ₹6,105
    net / year