Travel Credit Cards
Perfect for frequent travelers, offering perks like miles, airport lounge access, and travel insurance. Enjoy exclusive travel benefits and rewards.
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 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.
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%.
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 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.
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 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.
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).
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.
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.
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.