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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.
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%.
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%.
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).
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.
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.
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.