best Cards
Explore this collection of cards.
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.
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.
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 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.
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 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.
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%.
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.