Rewards Credit Cards
Earn points, miles, or cash back on your everyday purchases with these rewarding credit cards. Enjoy exclusive rewards and benefits.
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 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%.
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 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 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 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.
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.
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.
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.
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.