Credit Card Issuers & Banks
Compare credit cards from India's leading banks and financial institutions. Find the perfect card issuer that aligns with your financial goals and lifestyle needs.
Axis Bank
HDFC Bank
IDFC FIRST Bank
Kotak Mahindra Bank
IndusInd Bank
BOB
SBI
ICICI Bank
MAGNUS Credit Card
Annual Fee
₹12500
APR
42.58%
Joining Fee
₹12500
Cash Advance
0%
Why Choose This Card
Ideal for high-spending individuals seeking luxury perks and rewards.
Reward Benefits
Earn 12 EDGE Reward Points per ₹200 spent on cumulative monthly spends up to ₹1,50,000.
Earn 35 EDGE Reward Points per ₹200 spent on incremental monthly spends above ₹1,50,000.
Earn 60 EDGE Reward Points per ₹200 spent on Travel EDGE portal, up to cumulative transactions of ₹2,00,000 per month.
Earn 35 EDGE Reward Points per ₹200 spent on Travel EDGE portal above cumulative transactions of ₹2,00,000 per month.
Pros
- Unlimited domestic and international lounge access.
- High reward points on spending beyond ₹1.5 lakh/month.
- Interest-free cash withdrawals.
- Comprehensive health benefits.
Cons
- High joining and annual fees.
- Minimum income criteria may exclude some applicants.
- Certain transactions excluded from reward points.
HDFC Regalia Gold Credit Card
Annual Fee
₹2500
APR
43.2%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
The HDFC Regalia Gold Credit Card offers a comprehensive rewards program, travel perks including lounge access, milestone benefits, and insurance coverage, making it suitable for high-spending individuals seeking value across various spending categories.
Reward Benefits
4 Reward Points on every ₹150 spent on retail transactions, including insurance, utilities, and education.
20 Reward Points on every ₹150 spent at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
Pros
- High reward points on select brands.
- Complimentary lounge access domestically and internationally.
- Milestone benefits with vouchers and flight tickets.
- Comprehensive insurance coverage.
Cons
- High annual fee without waiver for lower spends.
- Reward points have limited validity.
HDFC Millennia Credit Card
Annual Fee
₹1000
APR
43.2%
Joining Fee
₹1000
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback on popular online platforms and lifestyle benefits.
Reward Benefits
5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions).
₹1,000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
Pros
- Up to 5% cashback on major online platforms.
- Gift vouchers on quarterly spends.
- Dining discounts via Swiggy Dineout.
- Fuel surcharge waiver.
Cons
- Monthly capping on cashback earnings.
- Lower cashback rate on non-partnered spends.
- Exclusions on certain transactions like fuel, wallet loads, EMI, and government transactions.
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12500
APR
43.2%
Joining Fee
₹12500
Cash Advance
2.5%
Why Choose This Card
Designed for high-net-worth individuals seeking luxury travel and dining experiences with premium rewards.
Reward Benefits
Earn 5 reward points per ₹150 spent.
Earn up to 10x reward points on Smartbuy travel and shopping.
Pros
- Unlimited lounge access worldwide for primary and add-on cardholders.
- High reward rate across all spending categories.
- Complimentary Club Marriott membership.
- Unlimited complimentary golf games at select courses.
- Competitive foreign currency markup fee.
Cons
- High annual membership fee.
- Invite-only card, not accessible to all applicants.
HDFC Bank Freedom Credit Card
Annual Fee
₹500
APR
43.2%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Perfect for individuals who enjoy shopping, dining, and online purchases with an attractive rewards program.
Reward Benefits
Earn 10x CashPoints on select merchants (maximum 2,500 CashPoints/month).
Earn 1 CashPoint per ₹150 spent on other purchases (excluding EMI, fuel, and wallet loads).
Up to 20% discount at partner restaurants via Swiggy Dineout.
Pros
- 10x CashPoints on select merchants (BigBasket, Swiggy, Uber, etc.).
- 5x CashPoints on EMI purchases at merchant stores.
- Up to 20% discount at partner restaurants via Swiggy Dineout.
- Low joining and renewal fees.
- Wide range of redemption options for CashPoints.
Cons
- Reward Points for RuPay UPI spends capped at 500 RP/month.
- No Reward Points earned on wallet loading, EMI, and education payments via third-party apps from September 2024.
HDFC MoneyBack Credit Card
Annual Fee
₹500
APR
43.2%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback benefits on everyday purchases, along with attractive rewards on shopping and dining.
Reward Benefits
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
2 CashPoints per ₹150 spent on other transactions.
₹500 gift voucher on spending ₹50,000 per calendar quarter.
Pros
- 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
- 2 CashPoints per ₹150 spent on other transactions (excluding EMI, fuel, wallet loads/prepaid card loads & voucher purchases).
- ₹500 gift voucher on spends of ₹50,000 per calendar quarter (up to ₹2,000 in a year).
- Up to 20% savings on restaurant bills via Swiggy Dineout.
- Fuel surcharge waiver of 1% on fuel transactions (Min ₹400, Max ₹5,000; Max waiver ₹250 per statement cycle).
- Quarterly gift vouchers for meeting spend requirements.
Cons
- Foreign transaction fee of 3.5%.
- No fuel cashback for fuel purchases.
- Annual fee of ₹500 + taxes.
Diners Club Privilege Credit Card
Annual Fee
₹2500
APR
43.2%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent travelers, movie buffs, and foodies who want exclusive offers, rewards, and lounge access.
Reward Benefits
Earn 4 Reward Points per ₹150 spent.
20 Reward Points per ₹150 spent on Swiggy and Zomato.
Exclusive Privilege Dining Catalogue redemptions.
Pros
- 5X Reward Points on Swiggy and Zomato.
- 'Buy 1 Get 1 Free' on movie tickets via BookMyShow.
- Complimentary Swiggy One and Times Prime memberships.
- 2 Complimentary Airport Lounge Access per quarter worldwide.
- ₹1,500 vouchers on ₹1.5 lakh quarterly spends.
Cons
- Annual and Joining fee of ₹2500 + taxes.
- Foreign transaction fee of 2%.
Diners Club Black Credit Card
Annual Fee
₹10000
APR
43.2%
Joining Fee
₹10000
Cash Advance
2.5%
Why Choose This Card
Ideal for high-income earners looking for exclusive benefits in travel, lifestyle, and dining, with luxury concierge services and premium rewards.
Reward Benefits
5 Reward Points for every ₹150 retail spend.
Up to 10X points on SmartBuy purchases.
2X Reward Points on weekend dining.
Pros
- 5X Reward Points for every ₹150 spent.
- Unlimited lounge access worldwide.
- Complimentary golf games (6 per quarter).
- Up to 10X Reward Points on SmartBuy and 2X on weekend dining.
- Luxury concierge services available 24/7.
- Complimentary memberships (Club Marriott, Times Prime, Amazon Prime, etc.).
Cons
- High joining and annual fees of ₹10,000 + taxes.
- Foreign transaction fee of 2%.
Axis Bank AURA Credit Card
Annual Fee
₹749
APR
52.86%
Joining Fee
₹749
Cash Advance
2.5%
Why Choose This Card
Perfect for those looking for a lifestyle-focused card with a wellness boost, offering exclusive fitness and health benefits, along with rewarding lifestyle perks.
Reward Benefits
5X Rewards on insurance spending.
2 EDGE Points for every ₹200 spent (up to ₹10,000).
Pros
- 5X Rewards on insurance spending.
- 2 EDGE Points for every ₹200 spent (maximum transaction amount: ₹10,000).
- Free video doctor consultations (4 per month).
- Complimentary interactive fitness sessions (4 per month).
- Up to 20% off on dining through Axis Bank Dining Delights Program.
- Fuel surcharge waiver for transactions ₹400–₹4,000.
Cons
- Annual fee of ₹749 + GST.
- High APR of 52.86%.
- Reward redemption limited to gifts and offers.
Axis Bank Atlas Credit Card
Annual Fee
₹5000
APR
3.75%
Joining Fee
₹5000
Cash Advance
300%
Why Choose This Card
Ideal for frequent travelers who want airline-agnostic rewards and EDGE Miles redeemable across 20+ travel partners, with tier-based benefits for enhanced travel perks.
Reward Benefits
2 EDGE Miles per ₹100 on general spends.
5 EDGE Miles per ₹100 on travel spends up to ₹2 Lakh/month.
2 EDGE Miles per ₹100 on travel spends above ₹2 Lakh.
Pros
- 2 EDGE Miles per ₹100 spent across all categories.
- 5 EDGE Miles per ₹100 on travel spends up to ₹2 Lakh/month.
- Tier-based structure with increasing benefits like bonus EDGE Miles and lounge access.
- 1:1 redemption on travel expenses via Travel EDGE platform.
- Bonus EDGE Miles on spending milestones and first transaction.
Cons
- High joining and annual fee of ₹5,000.
- Finance charges of 3.75% per month.
- Limited redemption options for non-travel related expenses.
- Foreign Markup fee of 3.5%.
Axis Bank Rewards Credit Card
Annual Fee
₹1000
APR
3.6%
Joining Fee
₹1000
Cash Advance
500%
Why Choose This Card
Perfect for everyday spending with generous rewards, dining discounts, travel perks, and flexible redemption options on flights, hotels, and merchandise.
Reward Benefits
Unlimited 2 EDGE Reward Points per ₹125 spent on general expenses.
10X Reward Points per ₹125 spent at departmental and apparel stores.
1,500 EDGE Reward Points on spending ₹30,000 per statement cycle.
Pros
- Unlimited 2 EDGE Reward Points per ₹125 spent on general expenses.
- 10X Reward Points per ₹125 spent at departmental and apparel stores.
- Milestone Rewards of 1,500 EDGE Reward Points on spending ₹30,000 per statement cycle.
- Domestic lounge access with 2 complimentary visits per quarter.
- Swiggy Discounts and Dining Delights Program offering discounts at select restaurants.
Cons
- Foreign transaction fee of 3.6% plus taxes.
- High interest rate of 3.6% per month (52.86% per annum).
- Cash advance fee of 2.5% or ₹500 (whichever is higher).
- Annual fee of ₹1,000 (unless ₹2,00,000 is spent annually).
Axis Bank SELECT Credit Card
Annual Fee
₹3000
APR
3.6%
Joining Fee
₹3000
Cash Advance
300%
Why Choose This Card
Ideal for shopping and travel, with luxurious benefits like international lounge access, exclusive discounts, and premium experiences.
Reward Benefits
10 EDGE Points per ₹200 spent.
2X Rewards for every ₹200 spent on retail shopping.
Capped 2X Rewards for up to ₹20,000 spent monthly.
Pros
- 10 EDGE Points per ₹200 spent.
- 2X Rewards for every ₹200 spent on retail shopping.
- Exclusive Priority Pass membership with up to 12 complimentary international lounge visits annually.
- Swiggy discount of ₹200 twice a month (minimum order ₹500).
- BigBasket discount of 20% (up to ₹500 monthly) on purchases above ₹2,000.
Cons
- High joining fee of ₹3,000 (waived off for spends of ₹6,00,000 or more).
- Foreign transaction fee of 3.5% plus taxes.
- Late payment fee for amounts over ₹5,000 can reach up to ₹1,200.
- Fuel transactions are excluded from reward points.
AXIS Bank ACE Credit Card
Annual Fee
₹499
APR
3.6%
Joining Fee
₹499
Cash Advance
300%
Why Choose This Card
Perfect for those who want great cashback rewards on their regular spend, particularly on bill payments, food, and rides.
Reward Benefits
5% cashback on bill payments via Google Pay (capped at ₹500 per month).
4% cashback on Swiggy, Zomato, and Ola (capped at ₹500 per month).
1.5% cashback on every eligible purchase with no cap.
Pros
- 5% cashback on bill payments via Google Pay (capped at ₹500/month).
- 4% cashback on Swiggy, Zomato, and Ola (capped at ₹500/month).
- 1.5% cashback on every eligible purchase with no cap.
- 4 complimentary domestic lounge visits per year.
- Fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Cons
- Foreign transaction fee of 3.5% plus taxes.
- Joining fee and annual fee of ₹499 each (plus taxes).
- Cashback capped at ₹500 per month for specific categories like bill payments, Swiggy, Zomato, and Ola.
AXIS Bank NEO Credit Card
Annual Fee
₹0
APR
3.6%
Joining Fee
₹0
Cash Advance
300%
Why Choose This Card
A perfect card for those who love to shop, dine, and enjoy cashback benefits on utility payments and movie bookings.
Reward Benefits
Earn 1 EDGE REWARD point for every ₹200 spent.
Redeem EDGE REWARD points for over 500+ options.
Pros
- Lifetime free card.
- 40% off on Zomato food delivery (up to ₹120 per order).
- 5% cashback on utility bill payments and mobile/DTH recharges via Amazon Pay.
- 10% discount on movie tickets via BookMyShow, capped at ₹100 monthly.
- 15% discount on Dining Delight offerings (up to ₹500).
- INR 150 off Myntra purchases (minimum ₹999).
Cons
- Foreign transaction fee of 3.5% plus taxes.
- Cashback on utility payments capped at ₹150 per month.
- Cash advance fee of ₹300 or 2.5%, whichever is higher.
IDFC First Millennia Credit Card
Annual Fee
₹0
APR
9%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
An ideal card for shopping, lifestyle benefits, and high rewards earning potential, especially for those who enjoy dining, travel, and entertainment.
Reward Benefits
Earn 10X points for spending over ₹20,000/month and on your birthday.
6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
1 reward point per ₹150 spent (1X).
Reward exclusions: Fuel, EMI transactions, cash withdrawals, and certain other expenses.
Pros
- Free annual fee and joining fee.
- 10X points for spending over ₹20,000/month and on your birthday.
- 6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
- 300+ year-round merchant offers.
- Up to 20% off at 1,500+ restaurants.
- Up to 15% off at 3,000+ Health & Wellness outlets.
- 4 complimentary railway lounge visits per quarter.
- 1% fuel surcharge waiver on fuel purchases.
- Personal Accident Coverage of ₹2,00,000.
Cons
- No reward points on fuel, EMI transactions, or cash withdrawals.
- No rewards for insurance premiums.
- Late payment fee of up to ₹1,250.
IDFC First Select Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
An ideal card for those who spend on shopping, travel, and entertainment, with great rewards on transactions over ₹20,000 monthly and a variety of lifestyle and travel benefits.
Reward Benefits
Earn 10X points for spending over ₹20,000/month and on your birthday.
Earn 3X points for online and in-store purchases (up to ₹20,000/month).
Earn 1X point for every ₹125 spent.
No rewards for fuel, EMI purchases, and cash withdrawals.
Pros
- Free annual and joining fees.
- 10X points on spending over ₹20,000/month and on your birthday.
- 3X points on online and in-store purchases (up to ₹20,000/month).
- Earn 1X point for every ₹125 spent.
- No reward points on fuel, EMI, or cash withdrawal transactions.
- Up to 20% off at 1,500+ restaurants.
- Up to 15% off at 3,000+ Health & Wellness outlets.
- Access to 300+ year-round merchant offers.
- Complimentary airport and railway lounge visits.
- Air Mishap Protection coverage up to ₹1 crore.
Cons
- No rewards for fuel, EMI, or cash withdrawals.
- Foreign transaction fee of 1.99%.
- Late payment fee can go up to ₹1,250.
IDFC First Classic Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
This card offers great rewards and benefits for spending on online and offline shopping, fuel, travel, and dining, along with additional lifestyle and insurance benefits.
Reward Benefits
10X Reward Points for monthly spending over ₹20,000 and on your birthday.
6X Reward Points for online shopping (up to ₹20,000/month).
3X Reward Points for offline transactions (up to ₹20,000/month).
1X Reward Point for every ₹150 spent.
No rewards for fuel, EMI transactions, or cash withdrawals.
Pros
- Free annual and joining fees.
- 10X Reward Points for monthly spending over ₹20,000 and on your birthday.
- 6X Reward Points for online shopping (up to ₹20,000/month).
- 3X Reward Points for offline transactions (up to ₹20,000/month).
- 1X Reward Point for every ₹150 spent.
- Up to 20% dining discounts at 1,500+ restaurants.
- 15% discounts at 3,000+ wellness centers.
- Complimentary railway lounge access (4 visits per quarter).
- Complimentary roadside assistance worth ₹1,399.
- Personal Accident Insurance coverage of ₹2,00,000.
Cons
- No rewards for fuel, EMI transactions, or cash withdrawals.
- Foreign transaction fee of 3.50%.
- Late payment fee can go up to ₹1,250.
IDFC FIRST Mayura Credit Card
Annual Fee
₹5999
APR
47.88%
Joining Fee
₹5999
Cash Advance
199%
Why Choose This Card
This card offers exclusive rewards, travel, and lifestyle benefits, including golf rounds, airport lounge access, cashback on transactions, and comprehensive insurance coverage.
Reward Benefits
10X Rewards for incremental spends above ₹20,000/month and birthday spends.
5X Rewards for spends up to ₹20,000/month.
3X Rewards for transactions above ₹2,000 on FIRST Digital Credit Card.
3X Rewards for rent, wallet load, education, and government-related spends.
1X Rewards for transactions below ₹2,000 on FIRST Digital Credit Card.
1X Rewards for utilities and insurance spends.
Pros
- 10X Rewards for incremental spends above ₹20,000/month and birthday spends.
- 5X Rewards for spends up to ₹20,000/month.
- Complimentary airport lounge access (16 domestic and 8 international visits/year).
- Complimentary railway lounge access (16 visits/year).
- Zero Forex Mark-up Fee.
- Trip cancellation cover of up to ₹50,000 for non-refundable bookings.
- 2 complimentary golf rounds/lessons per month.
- Buy-one-get-one movie benefits via BookMyShow.
- Fuel surcharge waiver (up to ₹500/month).
- Insurance benefits including air accident cover of ₹1 crore.
Cons
- High joining and annual fee of ₹5,999.
- Rewards exclusions include fuel, loan on card, cash withdrawals, EMI transactions, fees, GST, and balance transfers.
IDFC FIRST Wealth Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
Opt for this card if you are a high earner seeking a lifetime free credit card with non-expiring reward points, benefits on utilities, rent, and insurance payments, low forex markup, and complimentary lounge access.
Reward Benefits
3X reward points on online and offline purchases up to ₹20,000 per month.
10X reward points on incremental spends above ₹20,000 per month.
10X reward points on birthday spends.
3X reward points on rental and property management transactions.
3X reward points on education, wallet load, and government services.
1X reward points on utility bill payments and insurance spends.
Reward Point Value: 1 RP = ₹0.25.
Exclusions: Fuel, insurance, cash withdrawals, EMI transactions (except first EMI cashback), and transactions below ₹150.
Pros
- Lifetime free credit card with no annual fee.
- Non-expiring reward points redeemable online.
- Low forex markup fee of 1.5% on international transactions.
- Complimentary airport lounge access and spa visits.
- Comprehensive travel insurance coverage.
- Buy-one-get-one movie ticket offer up to ₹250 twice a month.
- Fuel surcharge waiver of 1% on transactions between ₹200 and ₹5,000 (up to ₹400 per month).
- Access to over 300 merchant offers.
- Interest-free cash withdrawals worldwide for up to 48 days.
- EMI conversion available for transactions above ₹2,500.
Cons
- High income eligibility criteria (₹36 lakh annual ITR for self-employed).
- Reward program devaluation post-May 2024.
- Lower reward rates compared to similar cards with annual fees.
- Spends on utilities and government services no longer contribute to 10X rewards threshold.
IDFC FIRST Ashva Credit Card
Annual Fee
₹2999
APR
47.88%
Joining Fee
₹2999
Cash Advance
199%
Why Choose This Card
Opt for this card if you are a high-net-worth individual, can meet spending conditions, and travel frequently or shop both domestically and internationally. Offers a rewards-based program with exclusive benefits for frequent travellers.
Reward Benefits
10X reward points on spends above Rs. 20,000 in a billing cycle and on birthday spends.
5X reward points on spends below Rs. 20,000 in a billing cycle.
3X reward points on spends of Rs. 2,000 or more via FIRST Digital Credit Card, rent, wallet load, education, and government-related spends.
1X reward points on transactions below Rs. 2,000 via FIRST Digital Credit Card, utilities, and insurance.
Pros
- Up to 24 complimentary golf rounds/lessons annually.
- 16 complimentary domestic lounge visits annually.
- Up to 8 complimentary international lounge visits annually.
- 1% forex markup fee on international spends.
- Comprehensive travel insurance and personal accident cover.
- Exclusive Visa Infinite Privileges at 450+ global destinations.
- Up to Rs. 400 off on movie tickets twice a month.
- Annual spending-based rewards (7,500 reward points worth Rs. 1,875).
- Trip cancellation protection worth up to Rs. 25,000 for non-refundable bookings.
Cons
- Annual fee of Rs. 2,999.
- High income eligibility criteria (Rs. 12 lakh minimum annual income).
- Spend-based conditions for golf benefits and lounge access.
- Exclusions on cash withdrawals and fees/charges with GST.
Kotak Infinite Credit Card
Annual Fee
₹0
APR
37.2%
Joining Fee
₹0
Cash Advance
300%
Why Choose This Card
Opt for this card if you are a Kotak Wealth Management client and enjoy luxury privileges, including exclusive golf access, movie tickets, and premium concierge services. Ideal for those seeking high-end benefits and a unique card design.
Reward Benefits
1 reward point per ₹125 spent.
800 bonus reward points (worth ₹800) credited monthly.
Points redeemable across categories like mobile recharge, shopping, travel, and more.
Pros
- No joining or annual fees.
- Golf privileges with 2 complimentary rounds monthly and ability to invite 2 friends.
- 24 free PVR movie tickets annually (2 per month).
- 4 complimentary visits per quarter to DreamFolks lounges in India.
- Premium concierge services for reservations, ticketing, event bookings, etc.
- Personalized handcrafted card design featuring the cardholder's image.
- Reward points for every ₹125 spent, with 800 bonus points credited monthly.
Cons
- Exclusive to Kotak Wealth Management clients (invite-only).
- High interest rate of 3.10% per month (37.2% annually).
- Cash advance fee of ₹300 per ₹10,000 or part thereof.
- Late payment charges may add up, especially for amounts exceeding ₹10,000.
Kotak White Credit Card
Annual Fee
₹3000
APR
0%
Joining Fee
₹3000
Cash Advance
300%
Why Choose This Card
Choose the Kotak White Credit Card if you are a frequent traveler and enjoy access to premium travel lounges, exclusive discounts on hotel bookings, and luxury brand rewards. With significant rewards and travel benefits, it is perfect for those who value convenience and luxury.
Reward Benefits
Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
Welcome offer: Earn ₹1,500 White Pass value by spending ₹30,000 within 60 days.
Pros
- Access to 1,300+ VIP lounges in 148 countries via Priority Pass.
- 4 complimentary international lounge passes annually.
- Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
- Earn ₹1,500 White Pass value with ₹30,000 spend within 60 days.
- Discounts on hotel bookings and flight deals.
- 1% fuel surcharge savings at petrol pumps.
- Contactless payments with PayWave technology.
- Ability to convert purchases above ₹2,500 into EMI.
Cons
- High annual fee of ₹3,000 (waived with ₹5 lakh retail spend).
- Cash advance fee of ₹300 per ₹10,000.
- Eligibility requirements including high income and credit score.
- Foreign transaction fee of 3.50%.
Kotak League Platinum Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹499
Cash Advance
500%
Why Choose This Card
Choose the Kotak League Platinum Credit Card if you want a rewards program with high earning potential on special categories such as airlines, travel agencies, and department stores. With significant milestone rewards and low renewal fees, this card is perfect for frequent shoppers and travelers.
Reward Benefits
8 reward points per ₹150 spent on special categories (Airlines, Travel Agencies, Electric Sales, Departmental Stores, Durable Goods).
4 reward points per ₹150 on all other spends.
8 reward points across all spends after reaching ₹2 lakh in annual spend.
Pros
- 8 reward points per ₹150 spent on special categories like Airlines, Travel Agencies, and Durable Goods.
- 4 reward points per ₹150 on all other spends.
- 8 reward points across all spends after reaching ₹2 lakh in annual spend.
- Option to redeem reward points for free PVR tickets or bonus points.
- Fuel surcharge waiver (1%) with a max waiver of ₹3,500 annually.
- Railway surcharge waiver of up to ₹500 annually.
- Fraud liability cover up to ₹1.25 lakh for 7 days pre-reporting.
Cons
- Joining fee of ₹499 (waived off on ₹50,000 annual spend).
- Interest charges of 3.50% per month (42% p.a.).
- Foreign currency markup fee of 3.5%.
- Cash advance fee of 2.5% or ₹500, whichever is higher.
- Limited reward points redemption options.
Kotak 811 Credit Card
Annual Fee
₹500
APR
42%
Joining Fee
₹500
Cash Advance
500%
Why Choose This Card
The Kotak 811 Credit Card is perfect for those looking for a low-fee card with a variety of rewards options. With benefits like cashback, free movie tickets, and multiple redemption choices, it's ideal for customers who want to make the most of their spending.
Reward Benefits
Rewards points on initial transactions.
Milestone benefit of ₹750 cashback or 4 free PVR tickets after spending ₹75,000 in the anniversary year.
Pros
- Low joining and annual fees (₹500 each).
- Milestone benefit options of cashback or free PVR tickets after spending ₹75,000 annually.
- Fuel surcharge waiver (1%) with a maximum waiver of ₹3,500 annually.
- Railway surcharge waiver for both IRCTC and Indian Railways bookings.
- Contactless payments with Visa payWave for up to ₹5,000 without a PIN.
- EMV chip and 6-digit PIN authentication for enhanced security.
- Multiple redemption options like mobile recharges, shopping, travel, and movies.
Cons
- Cash advance fee of ₹500 or 2.5%, whichever is higher.
- Foreign currency markup of 3.5%.
- Cash payment fee of ₹100.
- Rental payment charges of 1% (MCC 6513).
- Annual fee waived only on ₹50,000 spend in the anniversary year.
Kotak Corporate Platinum Credit Card
Annual Fee
₹0
APR
42%
Joining Fee
₹0
Cash Advance
0%
Why Choose This Card
The Kotak Corporate Platinum Credit Card is designed to simplify business expenses with benefits like fuel surcharge waivers, travel perks, and comprehensive corporate management features. It's perfect for companies looking to streamline employee spending and track expenses efficiently.
Reward Benefits
Points redemption every quarter.
Cash rebates available via demand draft.
Simplified systematic redemption process.
Pros
- Fuel surcharge waiver (1%) for transactions between ₹500–₹3,000, capped at ₹3,500 annually.
- Global acceptance at over 10 million merchants.
- Interest-free period of up to 48 days.
- Free lost card replacement and no cash advance needed.
- Dedicated support with personal service manager.
- Simplified corporate expense management with real-time alerts and consolidated payments.
Cons
- Minimum credit score required is 730.
- APR of 42%, which is relatively high.
- Late payment fees apply, even for company-covered expenses.
- No specific welcome benefit or reward points for initial use.
IndusInd Legend Credit Card
Annual Fee
₹0
APR
46%
Joining Fee
₹9999
Cash Advance
2.5%
Why Choose This Card
The IndusInd Legend Credit Card is perfect for frequent travelers, offering a range of travel benefits including global lounge access, insurance coverage, and reward points. The card also comes with milestone rewards, golf benefits, and exclusive offers from premium brands.
Reward Benefits
2 points for every ₹100 spent on weekends.
1 point for every ₹100 spent on weekdays.
Milestone rewards: 4,000 bonus points on ₹6 lakh+ spend in the first year.
Pros
- 2 reward points for every ₹100 spent on weekends and 1 point on weekdays.
- Priority Pass membership with access to 600+ lounges globally.
- Complimentary golf game and lesson per month at select courses.
- Generous milestone reward of 4,000 points on ₹6 lakh+ spend in the first year.
- Luxury gift vouchers and hotel stays as part of the welcome offer.
- Comprehensive insurance benefits, including personal air accident coverage.
Cons
- High minimum credit score of 750 required.
- Cash advance fee of 2.5% or ₹300, whichever is higher.
- Foreign transaction fee of 1.8% on international purchases.
- High APR of 46%.
IndusInd Platinum Select Credit Card
Annual Fee
₹0
APR
46%
Joining Fee
₹999
Cash Advance
2.5%
Why Choose This Card
The IndusInd Platinum Select Credit Card is an ideal choice for those seeking a balance of rewards and benefits for travel, shopping, and entertainment. With lounge access, movie offers, and comprehensive insurance coverage, it provides great value for frequent travelers and shoppers.
Reward Benefits
Earn 1 reward point per ₹150 spent on the card.
Reward redemption options: IndusMoments, Airline Miles (InterMiles and Vistara), Cash Credit, and Pay with Rewards.
Pros
- Earn 1 reward point per ₹150 spent on the card.
- Redeem rewards for luxury items, airline miles, and cash credits.
- Welcome offers include movie tickets and brand discounts.
- 1% fuel surcharge waiver at petrol pumps.
- Extensive insurance benefits covering air accidents, lost baggage, and more.
- Priority Pass membership for access to over 600 lounges globally.
Cons
- High APR of 46%.
- Foreign transaction fee of 3.5%.
- Joining fee of ₹999.
IndusInd Solitaire Credit Card
Annual Fee
₹10000
APR
NaN%
Joining Fee
₹30000
Cash Advance
0%
Why Choose This Card
The IndusInd Solitaire Credit Card is designed for high spenders who enjoy exclusive travel, dining, and lifestyle benefits. With features like complimentary airport lounge access, Mastercard World Elite benefits, and luxurious rewards programs, it provides extensive value for those who seek the finest experiences.
Reward Benefits
Earn 1 reward point for every ₹100 spent.
Earn 0.70 reward points for every ₹100 spent on utility bills, rent payments, insurance premiums, and educational institutions.
Pros
- 5,000 Bonus Reward Points for spending ₹1 lakh in the first 30 days.
- 1-year EazyDiner Prime Membership with dining discounts and 2X EazyPoints.
- Complimentary lounge access at domestic and international lounges.
- Mastercard World Elite benefits like free hotel stays and global roaming offers.
- Exclusive dining discounts at partner ITC hotels.
- No forex charges for foreign transactions.
Cons
- High joining fee of ₹30,000.
- Annual fee of ₹10,000, though waived on annual spends of ₹10 lakh.
- No reward points on fuel spends.
IndusInd Platinum Aura Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
IndusInd Platinum Aura Credit Card offers a host of rewards, travel benefits, and insurance coverage, ideal for shoppers and travelers. With exclusive benefits like Priority Pass membership, comprehensive insurance, and tailored rewards for various categories, this card provides exceptional value for high spenders.
Reward Benefits
0.5 Saving Points for every ₹100 spent across all categories.
Up to 4 Saving Points for every ₹100 spent on select categories.
Rewards for spending across shopping, travel, dining, and home categories.
Pros
- Free Annual Fee.
- Rewards tailored for various spending categories (shopping, travel, and dining).
- Complimentary Priority Pass membership with access to 1,000+ global lounges.
- Up to 4 Saving Points per ₹100 spent on select categories.
- Exclusive gift cards from popular brands as a welcome offer.
Cons
- Foreign transaction fee of 3.5%.
- Higher cash advance fees (2.5% or ₹300).
- Over limit penalty can be as high as ₹500 or 2.5%.
IndusInd Bank Platinum Credit Card
Annual Fee
₹3000
APR
44%
Joining Fee
₹3000
Cash Advance
2.5%
Why Choose This Card
The IndusInd Bank Platinum Credit Card offers great rewards and shopping benefits along with complimentary movie tickets, a fuel surcharge waiver, and insurance coverage. With a 1.5 reward points for every ₹150 spent, and the flexibility to redeem points for multiple benefits, this card is perfect for individuals seeking value and convenience.
Reward Benefits
1.5 reward points for every ₹150 spent on any transaction.
Exclusive redemption options through IndusMoments, airline miles, cash credit, and Pay with Rewards.
Pros
- Earn 1.5 reward points for every ₹150 spent.
- 1% fuel surcharge waiver at all fuel stations in India.
- Two complimentary movie tickets each month.
- Premium welcome offers including luxury gift cards and vouchers.
- Wide range of reward redemption options including airline miles and cash credit.
Cons
- Annual and joining fee of ₹3000 + taxes.
- Foreign transaction fee of 1.8%.
- High APR of 44%.
BOB Eterna Credit Card
Annual Fee
₹2499
APR
42%
Joining Fee
₹2499
Cash Advance
2.5%
Why Choose This Card
The BOB Eterna Credit Card offers lucrative reward points, travel perks like unlimited lounge access, and exciting dining and movie benefits. Additionally, you can enjoy insurance coverage, milestone rewards, and a host of lifestyle offers, making it a great choice for individuals who shop, dine, and travel frequently.
Reward Benefits
15 reward points for every ₹100 spent on dining, movies, shopping, travel, and international transactions.
3 reward points for every ₹100 spent on other categories.
Milestone rewards: 10,000 bonus points for spending ₹50,000 in 60 days, 20,000 bonus points for spending ₹5 lakh annually.
Pros
- Earn 15 reward points for every ₹100 spent on dining, shopping, travel, movies, and international transactions.
- Unlimited domestic lounge access.
- Complimentary Fitpass membership worth ₹15,000.
- Special discounts at 250+ restaurants and luxury hotels.
- Buy 1 Get 1 movie tickets offer on Paytm Movies.
Cons
- Joining and annual fee of ₹2,499 + taxes.
- Foreign transaction fee of 2%.
- High APR of 42%.
BOB Select Credit Card
Annual Fee
₹0
APR
45%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The BOB Select Credit Card provides excellent reward benefits like 5X rewards on online dining spends, a 1% fuel surcharge waiver, and additional features like zero fraud liability. With no annual or joining fee and attractive fee reversal benefits, it's an ideal choice for shoppers and reward seekers.
Reward Benefits
5X reward points on online dining spends (₹100 = 5 points).
1 reward point for every ₹100 spent on other categories.
Max reward points capped at 1,000 points per month.
No reward points on fuel transactions.
Pros
- Earn 5X reward points on online dining spends.
- No annual or joining fees.
- 1% fuel surcharge waiver on eligible transactions.
- Up to 3 add-on cards for family members.
- Zero fraud liability on lost cards.
- Capped reward points for online shopping and dining.
Cons
- Foreign transaction fee of 3.5%.
- Maximum reward points capped at 1,000 per month.
- No reward points on fuel transactions.
BOB Premier Credit Card
Annual Fee
₹1000
APR
42%
Joining Fee
₹1000
Cash Advance
2.5%
Why Choose This Card
The BOB Premier Credit Card is a great choice for frequent travelers, diners, and shoppers, offering 5X rewards on travel, dining, and international purchases. With benefits like quarterly airport lounge access, fuel surcharge waivers, and rewards redemption options, it stands out for those who enjoy a premium lifestyle.
Reward Benefits
Earn 5X reward points on travel, dining, and international purchases (₹100 = 5 points).
Earn 2 reward points for every ₹100 spent on other categories.
Reward points capped at 2,500 points per month.
Pros
- Earn 5X reward points on travel, dining, and international purchases.
- Quarterly free airport lounge access.
- 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000.
- Zero fraud liability on lost or stolen cards.
- Up to 3 free add-on cards for family members.
- Reward points capped at 2,500 points per month.
Cons
- Foreign transaction fee of 3.5%.
- Annual fee of ₹1,000 + taxes.
- Joining fee of ₹1,000 + taxes.
- Reward points capped at 2,500 points per month.
BOB Easy Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The BOB Easy Credit Card is an ideal choice for individuals looking for easy access to rewards with no annual or joining fees. It offers attractive rewards on grocery, retail, and fuel purchases and comes with flexible repayment options. The contactless payment feature and EMI conversion make it a convenient and cost-effective option for everyday use.
Reward Benefits
Earn 5x reward points on grocery and retail store purchases.
Earn 1 reward point for every ₹100 spent on other purchases.
500 reward points for spending ₹5,000 within 60 days of card issuance.
Reward points capped at 1,000 per month for select categories.
Pros
- Earn 5x reward points on groceries and retail store purchases.
- No annual or joining fees.
- 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000.
- 0.5% cashback on bill payments under select MCCs.
- Up to 3 lifetime free add-on cards for family members.
- Flexible repayment options with interest-free credit up to 50 days.
Cons
- Foreign transaction fee of 3.5%.
- Reward points capped at 1,000 per month on select categories.
- 1% fuel surcharge waiver capped at ₹250 per statement cycle.
SBI PULSE Credit Card
Annual Fee
₹1499
APR
42%
Joining Fee
₹1499
Cash Advance
500%
Why Choose This Card
The SBI PULSE Credit Card is ideal for health-conscious individuals and frequent shoppers. It offers a combination of health benefits, robust rewards, and milestone rewards, making it an excellent choice for those looking to save while staying fit and enjoying great rewards.
Reward Benefits
10 reward points for every ₹100 spent on Chemist, Pharmacy, Sports, Dining, and Movies.
2 reward points for every ₹100 spent on other purchases.
Redemption: 4 reward points = ₹1; points can be redeemed for outstanding balance or gifts from the Rewards Catalogue.
Pros
- Noise ColorFit Pulse 2 Max Smart Watch worth ₹5,999 on card issuance.
- 10 reward points per ₹100 on Chemist, Pharmacy, Sports, Dining, and Movies.
- 1-year complimentary FITPASS PRO and Netmeds First memberships.
- Waiver of renewal fee on annual spends of ₹2 Lakhs.
- Comprehensive insurance cover including fraud liability and air accident cover.
- 8 complimentary domestic lounge visits per year.
- Worldwide acceptance at 24 million outlets globally.
Cons
- Annual fee of ₹1,499 + taxes (waived on annual spends ≥ ₹2 Lakhs).
- Foreign currency transaction fee of 3.5%.
- Late payment fees for overdue amounts.
SBI Card ELITE
Annual Fee
₹4999
APR
42%
Joining Fee
₹4999
Cash Advance
500%
Why Choose This Card
SBI Card ELITE is ideal for high spenders who enjoy a premium lifestyle with benefits in movies, dining, travel, rewards, and more. The card provides milestone rewards, exclusive privileges, and a range of premium services.
Reward Benefits
5X Reward Points on Dining, Departmental Stores, and Grocery spends.
2 Reward Points for every ₹100 spent on all other purchases.
Milestone rewards: 10,000 bonus points for annual spends of ₹3 Lakhs, ₹4 Lakhs, and ₹5 Lakhs.
Pros
- Vouchers worth ₹5,000 from top brands on joining.
- 2 complimentary movie tickets every month on BookMyShow.
- Access to 2 domestic lounges per quarter and 6 international lounge visits annually.
- 5X Reward Points on Dining, Departmental Stores, and Grocery spends.
- 10,000 bonus Reward Points for annual spends of ₹3 Lakhs.
- Complimentary Mastercard, Visa, and Amex benefits.
- 1% surcharge waiver on fuel transactions.
Cons
- High joining and annual fee of ₹4,999 each.
- High APR of 42% p.a.
- Late payment fees for overdue amounts.
- Limited international lounge visits (6 per year).
CASHBACK SBI Card
Annual Fee
₹999
APR
42%
Joining Fee
₹999
Cash Advance
500%
Why Choose This Card
The Cashback SBI Card is a great option for frequent online shoppers, offering 5% cashback on online spends, and 1% cashback on offline spends. It is ideal for those who can meet the annual spend requirement to waive the annual fee and enjoy rewards without restrictions on merchants.
Reward Benefits
5% cashback on online spends (no merchant restriction).
1% cashback on offline spends.
Fuel surcharge waiver on transactions between ₹500 and ₹3,000.
Pros
- 5% cashback on online spends, no merchant restrictions.
- 1% cashback on offline spends.
- Annual fee reversed on spends of ₹2 lakh in a year.
- 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000.
- No fee for transactions less than ₹500.
- Worldwide acceptance at over 24 million outlets.
Cons
- No cashback on EMI transactions, utility, insurance, fuel, rent, wallet, school/education services, jewelry, or railways.
- Annual fee applies if spends do not meet ₹2 lakh.
- Cashback exclusions may limit rewards in certain categories.
SBI Card PRIME
Annual Fee
₹2999
APR
42%
Joining Fee
₹2999
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking rewards on movies, dining, and grocery spends along with milestone benefits and lounge access.
Reward Benefits
Earn 20 Reward Points per Rs. 100 spent on your birthday (up to 2,000 Reward Points annually).
10 Reward Points per Rs. 100 spent on dining, groceries, departmental stores, and movies.
2 Reward Points per Rs. 100 spent on other retail purchases (except fuel).
Milestone Rewards: Pizza Hut voucher worth Rs. 1,000 on Rs. 50,000 quarterly spends; Annual gift voucher worth Rs. 7,000 on Rs. 5 Lakhs annual spends.
4 Reward Points = Rs. 1.
Pros
- 10 Reward Points per Rs. 100 spent on dining, groceries, departmental stores, and movies.
- Milestone benefits worth up to Rs. 11,000 annually on achieving spend milestones.
- Complimentary domestic (8) and international (4) lounge visits per year.
- Contactless advantage for quick and secure payments.
- Complimentary Air Accident Liability Cover of Rs. 50 lakhs.
Cons
- Annual fee of Rs. 2,999 is relatively high compared to benefits.
- Limited travel benefits aside from lounge access.
- Reward redemption value is only Rs. 0.25 per point.
SBI SimplySAVE Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹499
Cash Advance
2.5%
Why Choose This Card
This card offers great rewards for everyday spending categories such as groceries, dining, and movies, making it a practical choice for basic spenders.
Reward Benefits
10 reward points per Rs. 150 spent on dining, movies, groceries, and departmental stores.
1 reward point per Rs. 150 spent on other categories.
Pros
- 10X reward points on dining, movies, grocery, and departmental store spends.
- Entry-level credit card with low annual fee and easier eligibility terms.
- Annual fee waiver condition of Rs. 1 Lakh in a year.
Cons
- Reward redemption options are limited to select brand vouchers only.
- No significant benefits other than the rewards program.
- Low reward rate as compared to some entry-level cashback cards.
SBI Unnati Credit Card
Annual Fee
₹0
APR
45%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
An ideal choice for individuals new to credit or with a poor credit score, offering benefits without an income prerequisite.
Reward Benefits
Earn 1 reward point per Rs. 100 spent.
Milestone cashback of Rs. 500 for annual spends of Rs. 50,000.
Pros
- No annual fee for the first 4 years.
- Secured credit card against FD, making it accessible for low credit scores.
- 1% fuel surcharge waiver on eligible transactions.
- Simple rewards program and milestone cashback benefits.
Cons
- Limited rewards rate (1 point per Rs. 100 spent).
- Milestone reward capped at Rs. 500 annually.
- Relies on a fixed deposit, restricting accessibility to non-FD holders.
SimplyCLICK SBI Card
Annual Fee
₹499
APR
3.5%
Joining Fee
₹499
Cash Advance
2.25%
Why Choose This Card
5X Reward Points on Amazon, BookMyShow & other partner merchants | 10X Reward Points on exclusive partner categories
Reward Benefits
5X points on Amazon, BookMyShow, Cleartrip, Foyer Healthcare
10X points on exclusive categories (Dineout, Swiggy, etc)
1 point = ₹0.25 redemption value
Pros
- 10X rewards on partner merchants
- No fuel surcharge
- Accelerated reward points
- Easy redemption options
Cons
- Joining fee not waived
- Limited benefits for offline spends
- High APR for revolving credit
Doctor’s SBI Card
Annual Fee
₹1499
APR
3.5%
Joining Fee
₹1499
Cash Advance
2.5%
Why Choose This Card
Tailored benefits for medical professionals, including insurance, lounge access, and accelerated rewards on medical expenses
Reward Benefits
5X points on medical supplies, travel bookings, and international spends :cite[5]:cite[8]
5X points on all spends during Doctor’s Day (1st July) :cite[8]
1 point per ₹100 on other categories
Milestone rewards on ₹5 lakh annual spends (₹5,000 e-voucher) :cite[5]
Pros
- Professional indemnity insurance up to ₹20 lakh
- Complimentary Priority Pass membership for lounge access
- 5X reward points on medical supplies and travel bookings
- Renewal fee waiver on spends
- Fuel surcharge waiver
Cons
- High annual fee (₹1,499) if spends not met
- Limited rewards on non-medical categories
- Foreign transaction fees (3.5% + GST)
SBI Tata Platinum Card
Annual Fee
₹3000
APR
3.5%
Joining Fee
₹3000
Cash Advance
2.5%
Why Choose This Card
Tailored rewards for Tata Group spends, accelerated points on groceries/dining, and domestic lounge access
Reward Benefits
Up to 3 Empower Points per ₹100 on dining, grocery, departmental stores, and international spends :cite[10]
1 Empower Point per ₹100 on other retail categories :cite[10]
5% value back at select Tata outlets (e.g., Westside, Tanishq) :cite[3]
3.5% value back at STAR Outlets (e.g., Star Bazaar) :cite[3]
Pros
- High rewards on Tata Group outlets (up to 5% value back) :cite[3]
- 8 complimentary domestic lounge visits/year :cite[10]
- No fuel surcharge on transactions ₹500–₹3,000 :cite[10]
- Flexible balance transfer options at lower interest rates :cite[2]
Cons
- High joining/renewal fee (₹3,000 + GST) :cite[10]
- No international lounge access :cite[10]
- 3.5% foreign currency markup fee :cite[10]
- Reward redemption fee of ₹99 per request :cite[10]
Reliance SBI Card PRIME
Annual Fee
₹2999
APR
3.5%
Joining Fee
₹2999
Cash Advance
2.5%
Why Choose This Card
Enhanced rewards for high spenders at Reliance brands with travel perks
Reward Benefits
10 RP/₹100 at Reliance Retail (2 RP/₹100 via UPI)
5 RP/₹100 on dining, movies, travel
2 RP/₹100 on other spends
Pros
- 10X Reward Points (2.5% value) on Reliance Retail
- 8 domestic + 4 international lounge visits/year
- Milestone vouchers up to ₹5,500 on ₹3 lakh spends
- Free movie ticket (₹250/month)
Cons
- High annual fee (₹2,999 + GST)
- Reward caps on UPI transactions
- Foreign transaction fees (3.5% + GST)
Reliance SBI Card
Annual Fee
₹499
APR
3.5%
Joining Fee
₹499
Cash Advance
2.5%
Why Choose This Card
Tailored for Reliance Retail shoppers with accelerated rewards and low fees
Reward Benefits
5 RP/₹100 at Reliance Retail, dining, movies
1 RP/₹100 on other spends
Milestone vouchers up to ₹1,000 on ₹80k spends
Pros
- 5X Reward Points (1.25% value) on Reliance Retail, dining, and movies
- Low joining/annual fee (₹499 + GST)
- Annual fee waiver on ₹1 lakh spends
- UPI integration (RuPay variant)
Cons
- No lounge access
- Limited discounts outside Reliance brands
- Low base reward rate (1.25%)
Flipkart Axis Bank Credit Card
Annual Fee
₹500
APR
49.36%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent shoppers on Flipkart and partner platforms, offering substantial cashback and additional perks.
Reward Benefits
5% cashback on Flipkart and Myntra purchases.
4% cashback on preferred partners.
1.5% cashback on all other transactions.
Pros
- Unlimited 5% cashback on Flipkart and Myntra purchases.
- 4% cashback on preferred partners like Swiggy, Uber, PVR, and Curefit.
- 1.5% cashback on all other spends.
- Complimentary access to domestic airport lounges four times a year.
- Fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000.
Cons
- No cashback on fuel transactions, EMI conversions, wallet reloads, and certain other categories.
- Annual fee of ₹500 plus taxes.
Flipkart Axis Bank Super Elite Credit Card
Annual Fee
₹500
APR
55.5%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent Flipkart shoppers aiming to maximize rewards through SuperCoins and enjoy additional partner benefits.
Reward Benefits
Flipkart Plus members earn 12 SuperCoins per ₹100 spent on Flipkart; non-Plus members earn 6 SuperCoins per ₹100.
2 SuperCoins per ₹100 spent on all other transactions.
Pros
- Up to 12 SuperCoins per ₹100 spent on Flipkart for Plus members.
- 2 SuperCoins per ₹100 spent on all other transactions.
- Additional discounts on Myntra purchases and domestic flight bookings via Flipkart Flights.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Cons
- No complimentary airport lounge access.
- Annual fee of ₹500, waived only on annual spends exceeding ₹2,00,000.
- SuperCoins not awarded for certain transactions, including fuel, EMI conversions, wallet reloads, and jewelry purchases.
Flipkart Wholesale HDFC Bank Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Designed specifically for resellers and wholesalers, this card offers substantial cashback on Flipkart Wholesale purchases and essential business expenses.
Reward Benefits
5% cashback on Flipkart Wholesale online and offline spends.
5% cashback on telecom, utility, government, and tax payments.
1% cashback on all other spends.
Pros
- 5% cashback on Flipkart Wholesale online and offline spends, capped at ₹2,000 per month.
- 5% cashback on telecom, utility, government, and tax payments, capped at ₹250 per month.
- 1% cashback on all other spends, capped at ₹25,000 per month.
- Option to convert large purchases into EMIs.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹2,000, up to ₹250 per statement cycle.
Cons
- Cashback benefits are not applicable on EMI transactions.
- Annual fee of ₹499 plus taxes, waived only if annual spends exceed ₹3,00,000.
- Limited-time offers may not be available to all applicants.
Annual Fee
₹0
APR
18%
Joining Fee
₹0
Cash Advance
0%
Why Choose This Card
Tailored for high-net-worth individuals, this card offers exclusive travel, dining, and lifestyle privileges with zero forex mark-up and no cash withdrawal charges.
Reward Benefits
15 EDGE REWARD points for every ₹200 spent.
Complimentary EazyDiner Prime membership with up to 25% savings at select fine dining restaurants.
Pros
- No cash withdrawal charges or interest till due date.
- Zero forex mark-up on international transactions.
- Unlimited complimentary lounge access at domestic and international airports.
- Complimentary memberships to Club Marriott, Accor Plus, and Taj Epicure.
- 50 complimentary golf rounds per year.
- Comprehensive insurance coverage including air accident cover up to ₹4.5 crores.
Cons
- Exclusive to Burgundy Private clients; not available to general public.
- High eligibility criteria and associated banking relationship requirements.
Annual Fee
₹500
APR
46.78%
Joining Fee
₹1200
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent travelers, this card offers a range of travel-related benefits, including cashback on flight bookings, discounts on bus and train tickets, and complimentary airport lounge access.
Reward Benefits
Earn 4 EDGE Reward Points for every Rs. 200 spent.
Dining discounts with a minimum of 15% off at partner restaurants.
Pros
- Up to 20% cashback on base fare for domestic flight bookings.
- Rs. 25 off on every IRCTC ticket booking, up to Rs. 200 annually.
- Rs. 100 off on bus ticket bookings.
- Rs. 400 off on car rentals.
- Complimentary access to select domestic airport lounges.
- Fuel surcharge waiver across all fuel stations in India.
Cons
- Annual fee applicable from the second year onwards.
- Limited complimentary lounge access (one per quarter).
- Cashback offers are primarily through Ezeego1, limiting flexibility.
BOBCARD Tiara Credit Card
Annual Fee
₹2499
APR
NaN%
Joining Fee
₹2499
Cash Advance
NaN%
Why Choose This Card
Designed for women, this card offers a blend of lifestyle, travel, dining, entertainment, and health & wellness benefits, making it a comprehensive choice for various spending needs.
Reward Benefits
15 reward points for every ₹100 spent on dining, travel, and international purchases.
3 reward points for every ₹100 spent on other categories.
Pros
- Unlimited complimentary domestic airport lounge access upon meeting spend criteria.
- Complimentary annual memberships to platforms like Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, and Fitpass Pro.
- Exclusive health and wellness benefits tailored for women.
- Accelerated reward points on dining, travel, and international spends.
Cons
- No international lounge access.
- Reward points redemption value is relatively low at 1 RP = ₹0.25.
- Capping on accelerated (5X) reward points.
- No reward points on fuel transactions.
BOBCARD Corporate Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹0
Cash Advance
NaN%
Why Choose This Card
Designed to streamline business expenses, this card offers interest-free credit, expense tracking, and travel benefits, making it ideal for corporate financial management.
Reward Benefits
Earn reward points on eligible spends.
Pros
- Up to 50 days of interest-free credit.
- Personalized card with corporate name embossing.
- Categorized employee spending statements for efficient tracking.
- Complimentary domestic airport lounge access.
- Comprehensive insurance coverage.
Cons
- Reward program not applicable on select Merchant Category Codes (MCCs) and fuel.
- Specific eligibility criteria for corporates.
BOBCARD Empower Credit Card
Annual Fee
₹250
APR
41.88%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Tailored for proprietors and self-employed individuals, this card offers efficient management of business expenses with rewards on every spend and affordable fees.
Reward Benefits
1 reward point for every ₹100 spent on retail transactions.
Pros
- No joining fee.
- Affordable annual fee with easy waiver on achieving spend milestones.
- Unlimited reward points on all retail spends.
- 1% fuel surcharge waiver.
Cons
- No complimentary lounge access.
- Reward points not earned on fuel transactions.
- Limited premium benefits compared to higher-tier business cards.
BOBCARD Prime Credit Card
Annual Fee
₹0
APR
39%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking a secured credit card with zero documentation, offering rewards on all spends, no annual fees, and guaranteed issuance against a fixed deposit.
Reward Benefits
2 Reward Points per ₹100 spent on all retail transactions.
Pros
- Guaranteed issuance against a fixed deposit of ₹15,000 or more without income proof.
- Lifetime free card with zero joining and annual fees.
- Earn reward points on all retail spends.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Cons
- Requires a fixed deposit to avail the card.
- Reward points not earned on fuel transactions.
- Limited premium benefits compared to unsecured credit cards.
ICICI Bank Emeralde Credit Card
Annual Fee
₹12000
APR
23.88%
Joining Fee
₹12000
Cash Advance
0%
Why Choose This Card
The ICICI Bank Emeralde Credit Card is designed for high net-worth individuals seeking luxury and exclusivity. It offers unparalleled privileges across travel, dining, wellness, and entertainment, ensuring a premium experience tailored to your lifestyle.
Reward Benefits
Earn 4 reward points for every ₹100 spent on retail transactions, excluding fuel.
Earn 1 reward point for every ₹100 spent on insurance and utility payments.
Pros
- Unlimited complimentary domestic and international lounge access.
- Comprehensive insurance coverage, including ₹3 crore air accident insurance.
- Low foreign currency mark-up fee of 1.5%.
- No charges for cash withdrawals, late payments, or over-limit usage.
- 24x7 concierge service for personalized assistance.
Cons
- High annual fee, though waivable upon meeting spend criteria.
- Reward points accrual rate may be lower compared to some competitors.
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3500
APR
40.8%
Joining Fee
₹6500
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Sapphiro Credit Card offers a blend of luxury and rewards, making it ideal for individuals seeking premium travel, dining, and entertainment experiences.
Reward Benefits
Earn 2 reward points for every ₹100 spent on domestic retail purchases, excluding fuel.
Earn 4 reward points for every ₹100 spent on international transactions.
Earn 1 reward point for every ₹100 spent on utilities and insurance payments.
Pros
- Complimentary domestic and international airport lounge access.
- Generous reward points on domestic and international spends.
- Complimentary golf rounds based on spending criteria.
- Buy-one-get-one-free offer on movie tickets.
- Annual fee waiver upon meeting spend criteria.
Cons
- High joining and annual fees.
- Specific eligibility criteria regarding income and location.
ICICI Bank Rubyx Credit Card
Annual Fee
₹2000
APR
40.8%
Joining Fee
₹3000
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Rubyx Credit Card offers a balanced mix of rewards and privileges across lifestyle, travel, and entertainment, making it suitable for individuals seeking premium benefits without a high annual fee.
Reward Benefits
Earn 2 reward points for every ₹100 spent on domestic retail purchases, excluding fuel.
Earn 4 reward points for every ₹100 spent on international transactions.
Earn 1 reward point for every ₹100 spent on utilities and insurance payments.
Pros
- Complimentary domestic airport lounge access.
- Reward points on domestic and international spends.
- Complimentary golf rounds based on spending criteria.
- Discounts on movie tickets.
- Annual fee waiver upon meeting spend criteria.
Cons
- Joining and annual fees apply.
- Specific eligibility criteria regarding income and age.
ICICI Bank Coral Credit Card
Annual Fee
₹500
APR
40.8%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Coral Credit Card is tailored for individuals seeking a blend of rewards and lifestyle privileges at an affordable annual fee. It offers benefits across entertainment, dining, travel, and more, making everyday spending more rewarding.
Reward Benefits
Earn 2 reward points for every ₹100 spent on retail purchases, excluding fuel.
Earn 1 reward point for every ₹100 spent on utilities and insurance categories.
Under the Milestone Rewards program, get 2,000 reward points on spending ₹2,00,000 in an anniversary year, and 1,000 reward points for every additional ₹1,00,000 spent thereafter, up to a maximum of 10,000 reward points per year.
Pros
- Complimentary access to select airport and railway lounges in India.
- Discounts on movie tickets through BookMyShow and INOX.
- Earn reward points on everyday purchases.
- Dining discounts at participating restaurants.
- Fuel surcharge waiver at HPCL petrol pumps.
Cons
- Limited international travel benefits.
- Reward points have specific redemption options.
ICICI Bank Platinum Chip Credit Card
Annual Fee
₹0
APR
40.8%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Platinum Chip Credit Card is ideal for individuals seeking a no-frills, lifetime free credit card that offers basic rewards and essential benefits, making it suitable for everyday use.
Reward Benefits
Earn 2 reward points for every ₹100 spent on retail purchases, excluding fuel.
Earn 1 reward point for every ₹100 spent on utilities and insurance categories.
Pros
- No joining or annual fees.
- Earn reward points on retail purchases.
- Fuel surcharge waiver at HPCL petrol pumps.
- Built-in contactless technology for quick and secure payments.
- Enhanced security with EMV chip protection.
Cons
- Limited premium benefits compared to higher-tier cards.
- Reward points have specific redemption options.
EazyDiner IndusInd Bank Credit Card
Annual Fee
₹1999
APR
46%
Joining Fee
₹1999
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent diners seeking substantial discounts, exclusive dining privileges, and additional lifestyle benefits.
Reward Benefits
Earn 10 Reward Points per ₹100 spent on dining, entertainment, and shopping.
Earn 4 Reward Points per ₹100 spent on other retail transactions.
3X EazyPoints on payments made via the EazyDiner app using PayEazy.
Pros
- Complimentary EazyDiner Prime membership with guaranteed 25% to 50% off at over 2,000 premium restaurants.
- Extra 25% off up to ₹1,000 on dining bills when paying via the EazyDiner app using PayEazy.
- Two complimentary domestic airport lounge visits per quarter.
- Two complimentary movie tickets worth ₹200 each per month on BookMyShow.
- 1% fuel surcharge waiver across all fuel stations in India.
Cons
- Annual fee of ₹1,999.
- Benefits are primarily dining-focused; limited rewards for other spending categories.
- No international lounge access.
IndusInd Bank Nexxt Credit Card
Annual Fee
₹0
APR
46%
Joining Fee
₹3499
Cash Advance
2.5%
Why Choose This Card
India's first interactive credit card with built-in buttons, offering flexibility to choose payment modes at the point of sale.
Reward Benefits
Earn 1 Reward Point for every ₹150 spent.
No Reward Points on fuel transactions.
Pros
- Unique interactive design with built-in buttons for payment mode selection.
- Earn 1 Reward Point for every ₹150 spent.
- Buy One Get One Free offer on movie tickets.
- Personal Air Accident insurance cover up to ₹25 lakhs.
- 1% fuel surcharge waiver across all fuel stations in India.
Cons
- High joining fee of ₹3,499.
- No reward points on fuel transactions.
- Limited travel benefits.
Annual Fee
₹1000
APR
42%
Joining Fee
₹1000
Cash Advance
300%
Why Choose This Card
Ideal for individuals who frequently shop online and seek accelerated reward points, along with travel benefits like airport lounge access.
Reward Benefits
Earn 2.5 Mojo Points per ₹100 on online spends.
Earn 1 Mojo Point per ₹100 on other spends.
Earn 5 Mojo Points per ₹100 on purchases via KayMall.
Pros
- Earn 2.5 Mojo Points per ₹100 on online spends.
- 8 complimentary domestic airport lounge visits annually (2 per quarter).
- 1% fuel surcharge waiver up to ₹3,500 annually.
- Joining fee waiver on spending ₹30,000 within the first 90 days.
- Annual fee waiver on spending ₹1,00,000 annually.
Cons
- No reward points on fuel transactions.
- Limited international travel benefits.
- Joining and annual fees applicable if spending criteria are not met.
Annual Fee
₹1500
APR
42%
Joining Fee
₹1500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking substantial rewards on shopping and lifestyle purchases, along with travel benefits like complimentary lounge access.
Reward Benefits
Earn 10 Zen Points per ₹150 spent on shopping categories.
Earn 5 Zen Points per ₹150 on all other spends.
Reward points capped at 6,500 per billing cycle.
Pros
- Earn 10 Zen Points per ₹150 spent on shopping categories such as apparel, lifestyle goods, departmental stores, and jewelry.
- Earn 5 Zen Points per ₹150 on all other spends.
- 8 complimentary domestic airport lounge visits annually (2 per quarter).
- 3 complimentary international lounge accesses per calendar year.
- Milestone benefits with up to 15,000 bonus Zen Points annually.
- Annual fee waiver on spending ₹1,50,000 or more in a year.
Cons
- No reward points on fuel transactions.
- Joining and annual fees applicable if spending criteria are not met.
- Reward points capped at 6,500 per billing cycle.
Amazon Pay ICICI Bank Credit Card
Annual Fee
₹0
APR
42%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently shop on Amazon.in and wish to earn cashback on their purchases without any fees.
Reward Benefits
5% cashback on Amazon.in purchases for Prime members.
3% cashback on Amazon.in purchases for non-Prime members.
2% cashback on Amazon Pay partner merchant transactions.
1% cashback on all other spends.
Pros
- No joining or annual fees.
- 5% cashback on Amazon.in for Amazon Prime members.
- 3% cashback on Amazon.in for non-Prime members.
- 2% cashback on transactions with Amazon Pay partner merchants.
- 1% cashback on all other transactions.
- No limit or expiry date on reward earnings.
Cons
- Cashback is credited as Amazon Pay balance, which can only be used on Amazon.in or with partner merchants.
- Limited travel and lifestyle benefits compared to other credit cards.
Annual Fee
₹199
APR
40.8%
Joining Fee
₹199
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently refuel at HPCL petrol pumps and seek to maximize savings on fuel expenses through cashback and surcharge waivers.
Reward Benefits
Earn 2 PAYBACK points for every ₹100 spent on retail purchases, excluding fuel.
Redeem 2,000 PAYBACK points for ₹500 worth of fuel at HPCL petrol pumps.
Pros
- 2.5% cashback on fuel purchases of ₹500 or more at HPCL petrol pumps when payment is made via the 'HPCL Pay' option on the ICICI Bank Merchant Services POS terminal.
- 1% fuel surcharge waiver on fuel transactions at HPCL pumps.
- 2 PAYBACK points for every ₹100 spent on retail purchases, excluding fuel.
- 25% discount (up to ₹100) on the purchase of at least two movie tickets per transaction through BookMyShow, limited to two transactions per month.
- Minimum 15% savings on dining bills at participating restaurants under the ICICI Bank Culinary Treats Programme.
Cons
- Cashback on fuel purchases is limited to transactions made through specific payment methods at HPCL pumps.
- Annual fee applicable from the second year onwards if spending criteria are not met.
- Limited benefits outside of fuel and select lifestyle categories.
MakeMyTrip ICICI Bank Signature Credit Card
Annual Fee
₹2500
APR
40.8%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent travelers who prefer booking through MakeMyTrip and wish to earn rewards and exclusive travel benefits.
Reward Benefits
Earn 10 My Cash per ₹100 spent on MakeMyTrip.
Earn 2.5 My Cash per ₹100 on online spends outside MakeMyTrip.
Earn 1.25 My Cash per ₹100 on other retail spends.
Pros
- Generous welcome benefits including My Cash and holiday vouchers.
- Complimentary MMTBLACK Exclusive membership.
- Earn up to 10 My Cash per ₹100 spent on MakeMyTrip.
- Milestone benefits with additional My Cash rewards.
- Complimentary railway lounge access.
Cons
- Annual fee of ₹2,500.
- Limited benefits for non-MakeMyTrip bookings.
- Complimentary airport spa access discontinued effective 15th November 2024.
Airtel Axis Bank Credit Card
Annual Fee
₹500
APR
41.75%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback on Airtel services, utility bill payments, and popular online platforms like Swiggy, Zomato, and BigBasket.
Reward Benefits
25% cashback on Airtel services via Airtel Thanks app.
10% cashback on utility bill payments via Airtel Thanks app.
10% cashback on Swiggy, Zomato, and BigBasket.
1% cashback on all other spends.
Pros
- 25% cashback on Airtel mobile, broadband, Wi-Fi, and DTH bill payments via Airtel Thanks app.
- 10% cashback on utility bill payments (e.g., gas, electricity) through Airtel Thanks app.
- 10% cashback on spends at Swiggy, Zomato, and BigBasket.
- 1% cashback on all other spends.
- Four complimentary domestic lounge visits per calendar year (one per quarter) upon spending ₹50,000 in the previous quarter.
Cons
- Cashback on Airtel services capped at ₹250 per month.
- Cashback on utility bill payments capped at ₹250 per month.
- Cashback on Swiggy, Zomato, and BigBasket capped at a total of ₹500 per month.
- Annual fee applicable if annual spends do not exceed ₹2,00,000.
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
APR
42%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently use Swiggy services and seek substantial cashback on Swiggy and other online spends.
Reward Benefits
10% cashback on Swiggy transactions (up to ₹1,500 per month).
5% cashback on online spends across 1,000+ platforms (up to ₹1,500 per month).
1% cashback on all other spends (up to ₹500 per month).
Pros
- 10% cashback on Swiggy transactions, including food orders, Instamart, Dineout, and Genie.
- 5% cashback on online spends across 1,000+ platforms.
- 1% cashback on all other spends.
- Complimentary 3-month Swiggy One membership.
- Affordable annual fee with potential for waiver.
Cons
- Cashback caps: ₹1,500 per month for Swiggy and online spends; ₹500 per month for other spends.
- Annual fee applicable if annual spends do not exceed ₹2,00,000.
IDFC FIRST WOW! Credit Card
Annual Fee
₹0
APR
9%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
The IDFC FIRST WOW! Credit Card is a lifetime-free, FD-backed card that offers zero forex markup, making it ideal for individuals new to credit or those seeking a card with international transaction benefits.
Reward Benefits
Earn 1 reward point per ₹150 spent.
Up to 4X reward points on eligible transactions.
Reward points never expire.
Pros
- No joining or annual fees.
- Zero forex markup on international transactions.
- Earn up to 4X reward points on eligible spends.
- Complimentary roadside assistance.
- Personal accident cover up to ₹2 lakhs.
Cons
- Requires a fixed deposit with IDFC FIRST Bank.
- Reward points not applicable on fuel, insurance, EMI, and cash withdrawal transactions.
IDFC FIRST SWYP Credit Card
Annual Fee
₹499
APR
NaN%
Joining Fee
₹499
Cash Advance
NaN%
Why Choose This Card
The IDFC FIRST SWYP Credit Card offers exclusive discounts on popular brands, easy EMI conversion options, and rewards tailored for a modern lifestyle, making it ideal for individuals seeking value-added benefits on their daily expenditures.
Reward Benefits
Earn 100 reward points for every ₹5,000 UPI spend per statement month.
Pros
- Exclusive discounts on brands like Dominos, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato.
- Easy EMI conversion with a monthly flat fee starting at ₹49 + GST.
- Complimentary railway lounge access across India.
- Opportunity to earn additional rewards through the refer and earn program.
Cons
- Joining and annual fees apply.
- Reward points have specific earning criteria based on spending milestones.