Compare 148+ credit cards from India's top banks. Find the perfect card for your lifestyle — rewards, cashback, travel, fuel, and more.
Bank: HDFC Bank
Network: Visa | Tier: Ultra Premium
Annual Fee: ₹12,500 + GST | Joining Fee: ₹12,500 + GST
Reward Rate: 5 Reward Points per ₹150
Best For: Luxury travel and premium lifestyle
Categories: Travel, Premium, Rewards
Bank: IDFC First Bank
Network: Visa | Tier: Super Premium
Annual Fee: ₹5,999 | Joining Fee: ₹5,999
Reward Rate: Accelerated rewards on luxury/travel spends
Best For: High-net-worth customers with significant international spends
Categories: Super Premium / Metal
Bank: HDFC Bank
Network: Visa | Tier: Premium
Annual Fee: ₹10,000 | Joining Fee: ₹10,000
Reward Rate: 5 RP per 150
Best For: High spenders
Categories: Super Premium, Travel, Shopping, Fuel, Rewards
Bank: Axis Bank
Network: Visa | Tier: Super Premium
Annual Fee: ₹12,500 + GST | Joining Fee: ₹12,500 + GST
Reward Rate: 12 EDGE Points per ₹200
Best For: Frequent international travelers
Categories: Travel, Super Premium, Rewards
Bank: ICICI Bank
Network: Visa | Tier: Entry
Annual Fee: Nil (Lifetime Free) | Joining Fee: Nil
Reward Rate: 5% on Amazon, 2% on bill payments
Best For: Amazon shoppers and cashback lovers
Categories: Cashback, Shopping, Rewards
Bank: HDFC Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹1,499 | Joining Fee: ₹0
Reward Rate: 5% Tata ecosystem rewards
Best For: Tata users
Categories: Co-branded, Travel, Shopping, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,000 | Joining Fee: ₹3,000
Reward Rate: Bonvoy points
Best For: Travelers
Categories: Co-branded, Travel
Bank: State Bank of India (SBI)
Network: Visa | Tier: Premium
Annual Fee: ₹4,999 + GST | Joining Fee: ₹4,999 + GST
Reward Rate: 2X on dining & grocery
Best For: Entertainment lovers and dining enthusiasts
Categories: Rewards, Premium, Entertainment
Bank: IDFC First Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹750 | Joining Fee: ₹750
Reward Rate: Base rewards on spends
Best For: FD holders seeking premium secured card with added benefits vs FIRST WOW!
Categories: Secured / Mid-Level
Bank: HDFC Bank
Network: Visa | Tier: Mid-Range
Annual Fee: 499 | Joining Fee: 0
Reward Rate: 10%
Best For: Dedicated Tata ecosystem loyalists
Categories: Co-branded, Travel, Shopping, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Premium
Annual Fee: ₹2,500 + GST | Joining Fee: ₹2,500 + GST
Reward Rate: 4 Reward Points per ₹150
Best For: Frequent travelers on a moderate budget
Categories: Travel, Premium, Rewards
Bank: HDFC Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹1,000 + GST | Joining Fee: ₹1,000 + GST
Reward Rate: 5% on Amazon, Flipkart, Myntra
Best For: Online shoppers and millennials
Categories: Cashback, Shopping, Lifestyle
Bank: American Express (Amex)
Network: Visa | Tier: Premium
Annual Fee: ₹60,000 | Joining Fee: ₹60,000
Reward Rate: MR points
Best For: Ultra premium users
Categories: Super Premium, Travel, Rewards
Bank: State Bank of India (SBI)
Network: Visa | Tier: Entry
Annual Fee: ₹999 | Joining Fee: ₹999
Reward Rate: 5% online
Best For: Online users
Categories: Entry-level, Fuel
Bank: Axis Bank
Network: Visa | Tier: Premium
Annual Fee: ₹5,000 | Joining Fee: ₹5,000
Reward Rate: Edge miles
Best For: Travelers
Categories: Premium, Travel, Fuel
Bank: State Bank of India (SBI)
Network: Visa | Tier: Entry
Annual Fee: 500 + taxes | Joining Fee: 500 + taxes
Reward Rate: 7.5% cashback on Myntra
Best For: Myntra flipkart users
Categories: Rewards
Bank: American Express
Network: Visa | Tier: Premium
Annual Fee: ₹4,500 | Joining Fee: ₹1,000
Reward Rate: MR points
Best For: Reward seekers
Categories: Premium, Rewards
Bank: American Express
Network: Visa | Tier: Premium
Annual Fee: ₹4,500 | Joining Fee: ₹1,000
Reward Rate: MR points
Best For: Reward users
Categories: Premium, Rewards
Bank: RBL Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,000 | Joining Fee: ₹3,000
Reward Rate: Reward points
Best For: Travelers
Categories: Travel
Bank: State Bank of India (SBI)
Network: Visa | Tier: Premium
Annual Fee: ₹2,999 | Joining Fee: ₹2,999
Reward Rate: Air miles
Best For: Travelers
Categories: Co-branded, Travel, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 5% fuel cashback
Best For: Fuel users
Categories: Co-branded, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Premium
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: 10X rewards
Best For: Premium users
Categories: Premium, Travel, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 5% GPay cashback
Best For: Utility users
Categories: Entry-level, Shopping, Fuel
Bank: Axis Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,000 | Joining Fee: ₹3,000
Reward Rate: Air miles
Best For: Travelers
Categories: Co-branded, Travel, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: 10% Swiggy cashback
Best For: Food Ordering
Categories: Co-branded, Shopping, Fuel, Rewards
Bank: Bank of Baroda
Network: Visa | Tier: Premium
Annual Fee: ₹2,499 | Joining Fee: ₹2,499
Reward Rate: 15% dining cashback
Best For: Dining users
Categories: Premium, Travel, Fuel, Rewards
Bank: Standard Chartered Bank
Network: Visa | Tier: Premium
Annual Fee: ₹5,000 | Joining Fee: ₹5,000
Reward Rate: 5 RP per 150
Best For: Premium users
Categories: Premium, Travel, Fuel, Rewards
Bank: Federal Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Points
Best For: Young users
Categories: Co-branded, Shopping, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Up to 10X RP on select spends
Best For: General users
Categories: Entry-level, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Premium
Annual Fee: ₹2,500 | Joining Fee: ₹2,500
Reward Rate: 4 RP per 150
Best For: Travelers
Categories: Premium, Travel, Shopping, Fuel, Rewards
Bank: ICICI Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,500 | Joining Fee: ₹6,500
Reward Rate: Skywards miles
Best For: Frequent flyers
Categories: Premium, Travel, Fuel
Bank: HSBC Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,000 | Joining Fee: ₹3,000
Reward Rate: Reward points
Best For: Travelers
Categories: Premium, Travel, Fuel
Bank: HSBC Bank
Network: Visa | Tier: Premium
Annual Fee: ₹12,000 | Joining Fee: ₹12,000
Reward Rate: Reward points
Best For: Premium users
Categories: Premium, Travel, Fuel, Rewards
Bank: IndusInd Bank
Network: Visa | Tier: Premium
Annual Fee: ₹15,000 | Joining Fee: ₹15,000
Reward Rate: Reward points
Best For: Ultra premium users
Categories: Premium, Travel, Fuel, Rewards
Bank: SBI Card
Network: Visa | Tier: Premium
Annual Fee: ₹2,999 | Joining Fee: ₹2,999
Reward Rate: 2 RP per 100
Best For: Professionals
Categories: Premium, Travel, Shopping, Fuel, Rewards
Bank: IDFC First Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹4,999 (available by 28 February 2026) | Joining Fee: ₹4,999
Reward Rate: Accelerated CV Points
Best For: Frequent Vistara / Air India flyers
Categories: Travel / Co-branded
Bank: Federal Bank
Network: Visa | Tier: Entry
Annual Fee: NIL (Lifetime Free) | Joining Fee: NIL (Lifetime Free)
Reward Rate: 5 Scapia Coins = ₹1
Best For: Frequent domestic flyers, international shoppers, and leisure travelers who want an affordable card to eliminate foreign exchange fees and unlock unrestricted domestic lounge access.
Categories: Travel
Bank: ICICI Bank
Network: Visa | Tier: Super Premium
Annual Fee: ₹6,500 + GST | Joining Fee: ₹6,500 + GST
Reward Rate: 4 Reward Points per ₹100
Best For: Premium lifestyle and travel
Categories: Travel, Premium, Rewards
Bank: AU Small Finance Bank
Network: Visa | Tier: Premium
Annual Fee: ₹7,999 | Joining Fee: ₹7,999
Reward Rate: Reward points
Best For: Premium users
Categories: Premium, Travel, Fuel, Rewards
Bank: State Bank of India (SBI)
Network: Visa | Tier: Mid-Range
Annual Fee: 4999 + taxes | Joining Fee: 4999 + taxes
Reward Rate: 7 IndiGo BluChips on Rs. 100 spent on IndiGo App and Web
Best For: Frequent domestic travelers and corporate flyers who exclusively prefer booking with IndiGo airlines and want to maximize free flights alongside premium lounge access.
Categories: Travel
Bank: YES Bank
Network: Visa | Tier: Premium
Annual Fee: ₹9,999 | Joining Fee: ₹9,999
Reward Rate: Reward points
Best For: Elite users
Categories: Premium, Travel, Fuel, Rewards
Bank: Axis Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,000 | Joining Fee: ₹3,000
Reward Rate: Reward points
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: ₹499 (waived on eligible annual spends of ₹10 lakh) | Joining Fee: ₹499
Reward Rate: Standard rewards
Best For: Employees
Categories: Rewards
Bank: State Bank of India (SBI)
Network: Visa | Tier: Premium
Annual Fee: 4,999 + taxes | Joining Fee: 4,999 + taxes
Reward Rate: 4 Reward points for every Rs. 100 spent
Best For: Frequent domestic and international flyers loyal to Air India and Star Alliance network airlines who want to rapidly accumulate miles for ticket upgrades and free flights.
Categories: premium co-branded travel
Bank: American Express (Amex)
Network: Amex | Tier: Mid-Range
Annual Fee: ₹5,000 + GST (Renewal fee waivable) | Joining Fee: ₹5,000 + GST
Reward Rate: 5 MR points per ₹50 on travel
Best For: Travel enthusiasts who value experiences
Categories: Travel, Rewards, Premium
Bank: SBI Card
Network: Visa | Tier: Mid-Range
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 4.25% fuel cashback
Best For: Fuel users
Categories: Fuel
Bank: ICICI Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: 5% fuel
Best For: Fuel users
Categories: Fuel
Bank: RBL Bank
Network: Visa | Tier: Premium
Annual Fee: ₹5,000 | Joining Fee: ₹5,000
Reward Rate: Reward points
Best For: Premium users
Categories: Premium, Travel, Fuel, Rewards
Bank: Standard Chartered Bank
Network: Visa | Tier: Entry
Annual Fee: ₹999 | Joining Fee: ₹999
Reward Rate: 5% supermarket cashback
Best For: Household users
Categories: Entry-level, Fuel
Bank: RBL Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: 5% grocery cashback
Best For: Shoppers
Categories: Entry-level, Fuel
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Premium
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Affluent users
Categories: Premium, Travel, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Accelerated online rewards
Best For: Young professionals
Categories: Entry-level, Fuel
Bank: IndusInd Bank
Network: Visa | Tier: Premium
Annual Fee: ₹9,999 | Joining Fee: ₹9,999
Reward Rate: Reward points
Best For: Elite users
Categories: Premium, Travel, Fuel, Rewards
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,000 | Joining Fee: ₹3,000
Reward Rate: Reward points
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: ₹199 (waived on eligible annual spends of ₹10 lakh) | Joining Fee: ₹199
Reward Rate: 21X fuel; 15X grocery/utilities; 2X elsewhere
Best For: Domestic everyday spenders looking for low-cost utility card
Categories: Rewards
Bank: Federal Bank
Network: Visa | Tier: Premium
Annual Fee: ₹2,999 | Joining Fee: ₹2,999
Reward Rate: Reward points
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: Standard Chartered Bank
Network: Visa | Tier: Entry
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 10% dining cashback
Best For: Dining users
Categories: Entry-level, Fuel, Rewards
Bank: Standard Chartered Bank
Network: Visa | Tier: Entry
Annual Fee: 588/year | Joining Fee: 49/month
Reward Rate: Cashback
Best For: Online users
Categories: Co-branded, Shopping, Fuel, Rewards
Bank: Bank of Baroda
Network: Visa | Tier: Mid-Range
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 5% fuel cashback
Best For: Fuel users
Categories: Fuel
Bank: SBI Card
Network: Visa | Tier: Mid-Range
Annual Fee: ₹1,499 | Joining Fee: ₹1,499
Reward Rate: IRCTC rewards
Best For: Travelers
Categories: Co-branded, Travel, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: 5% fuel rewards
Best For: Fuel users
Categories: Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Super Premium
Annual Fee: ₹12,500 | Joining Fee: ₹12,500
Reward Rate: Enhanced dining/travel rewards
Best For: Ultra-premium customers seeking flagship metal card with maximum benefits
Categories: Super Premium / Metal
Bank: SBI Card
Network: Visa | Tier: Mid-Range
Annual Fee: ₹1,499 | Joining Fee: ₹1,499
Reward Rate: Air miles
Best For: Travelers
Categories: Travel, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹4,999 (FD-backed secured variant: ₹4,999) | Joining Fee: Nil
Reward Rate: Accelerated rewards on IndiGo bookings
Best For: Frequent IndiGo flyers
Categories: Travel / Co-branded
Bank: HDFC Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Custom cashback
Best For: Digital users
Categories: Digital, Shopping
Bank: AU Small Finance Bank
Network: Visa | Tier: Premium
Annual Fee: ₹2,999 | Joining Fee: ₹2,999
Reward Rate: Reward points
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: IndusInd Bank
Network: Visa | Tier: Entry
Annual Fee: ₹699 | Joining Fee: ₹699
Reward Rate: Reward points
Best For: General users
Categories: Entry-level, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Base + online rewards
Best For: Low credit users
Categories: Secured, Fuel
Bank: Standard Chartered Bank
Network: Visa | Tier: Entry
Annual Fee: ₹750 | Joining Fee: ₹750
Reward Rate: 5% utility cashback
Best For: Utility users
Categories: Entry-level, Fuel
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Premium
Annual Fee: ₹1,500 | Joining Fee: ₹1,500
Reward Rate: Reward points
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: YES Bank
Network: Visa | Tier: Entry
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 3% cashback
Best For: Online users
Categories: Entry-level, Fuel
Bank: SBI Card
Network: Visa | Tier: Entry
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 10X grocery/dining
Best For: Household spenders
Categories: Entry-level, Fuel, Rewards
Bank: State Bank of India (SBI)
Network: Visa | Tier: Entry
Annual Fee: 499+ Taxes | Joining Fee: 499+ Taxes
Reward Rate: 3 Reward Points per Rs. 100 on PhonePe spends 2 Reward Points per Rs. 100 on online spends 1 Reward Point per Rs. 100 on other spends
Best For: Regular PhonePe users and digital shoppers seeking an affordable, low-fee card to maximize cash-back returns on daily utilities, phone recharges, and routine online payments.
Categories: Rewards
Bank: State Bank of India (SBI)
Network: Visa | Tier: Entry
Annual Fee: ₹499 + GST | Joining Fee: ₹499 + GST
Reward Rate: Earn 10 Reward points per Rs. 100 spent on Apollo 24|7 and Apollo Pharmacy. Earn 2 Reward Points per Rs. 100 spent on Dining, Movies & Entertainment and Travel. Reward Points Earn 1 Reward Points per Rs. 200 spent on Other purchases. 1 Reward Point = 1 Health Credi
Best For: Individuals and families with regular health, medicine, or diagnostic expenses at Apollo institutions who want to maximize medical discounts alongside basic lifestyle rewards.
Categories: health, medicine, or diagnostic
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹449 | Joining Fee: ₹449
Reward Rate: 5% fuel
Best For: Fuel users
Categories: Fuel
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Premium
Annual Fee: ₹999 | Joining Fee: ₹999
Reward Rate: 4 RP per 150
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: Free tickets
Best For: Movie lovers
Categories: Co-branded, Shopping, Fuel
Bank: YES Bank
Network: Visa | Tier: Premium
Annual Fee: ₹999 | Joining Fee: ₹999
Reward Rate: Reward points
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: RBL Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹999 | Joining Fee: ₹999
Reward Rate: Reward points
Best For: EMI users
Categories: Co-branded, Fuel
Bank: SBI Card
Network: Visa | Tier: Mid-Range
Annual Fee: ₹300 | Joining Fee: ₹500
Reward Rate: 10% IRCTC rewards
Best For: Travelers
Categories: Co-branded, Shopping, Fuel
Bank: HSBC Bank
Network: Visa | Tier: Entry
Annual Fee: ₹999 | Joining Fee: ₹999
Reward Rate: Rewards
Best For: Urban users
Categories: Entry-level, Fuel, Rewards
Bank: ICICI Bank
Network: Visa | Tier: Premium
Annual Fee: ₹2,000 | Joining Fee: ₹3,000
Reward Rate: Reward points
Best For: Professionals
Categories: Premium, Travel, Fuel, Rewards
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 + GST | Joining Fee: ₹500 + GST
Reward Rate: 5% on Flipkart, 4% on preferred merchants
Best For: Flipkart & Myntra shoppers
Categories: Cashback, Shopping
Bank: ICICI Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: MMT points
Best For: Travelers
Categories: Co-branded, Travel, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: Cashback
Best For: Young users
Categories: Entry-level, Shopping, Fuel, Rewards
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: ₹199 (waived on eligible annual spends of ₹10 lakh) | Joining Fee: NIL
Reward Rate: Up to 10X RP on select spends
Best For: Beginners
Categories: Reward points, low interest rates
Bank: HDFC Bank
Network: Visa | Tier: Premium
Annual Fee: ₹2,500 | Joining Fee: ₹2,500
Reward Rate: Reward points
Best For: SME users
Categories: Business, Travel, Shopping, Fuel
Bank: Federal Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: Bank of Baroda
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: Federal Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: SBI Card
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: Standard Chartered Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: Bank of Baroda
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: FPL Technologies
Network: Visa | Tier: Entry
Annual Fee: Nil (Lifetime Free) | Joining Fee: Nil
Reward Rate: 5X on top spend categories
Best For: Tech-savvy users who want a metal card
Categories: Metal, Cashback, Lifestyle
Bank: SBI Card
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: Federal Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: SBI Card
Network: Visa | Tier: Mid-Range
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: OLA money rewards
Best For: Ride users
Categories: Co-branded, Shopping, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Freecharge cashback
Best For: Wallet users
Categories: Co-branded, Shopping, Fuel
Bank: YES Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate employees
Categories: Corporate, Fuel
Bank: YES Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: Nil | Joining Fee: Nil
Reward Rate: Rewards on insurance spends
Best For: LIC customers and policyholders
Categories: Insurance
Bank: AU Small Finance Bank
Network: Visa | Tier: Entry
Annual Fee: ₹199 | Joining Fee: ₹199
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: ₹1,000 | Joining Fee: ₹1,000
Reward Rate: 2 RP per 125
Best For: Beginners
Categories: Entry-level, Fuel
Bank: IDFC First Bank
Network: RuPay | Tier: Entry
Annual Fee: ₹199 (waived on eligible annual spends of ₹10 lakh) | Joining Fee: ₹199
Reward Rate: Accelerated cashback/rewards
Best For: Domestic reward seekers; Occasional international users with larger transactions
Categories: Rewards
Bank: AU Small Finance Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: AU Small Finance Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: AU Small Finance Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Cashback
Best For: Beginners
Categories: Entry-level, Shopping, Fuel, Rewards
Bank: RBL Bank
Network: Visa | Tier: Entry
Annual Fee: ₹1,000 | Joining Fee: ₹1,000
Reward Rate: Reward points
Best For: Entertainment users
Categories: Entry-level, Fuel, Rewards
Bank: IndusInd Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Young users
Categories: Entry-level, Fuel
Bank: IndusInd Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: IndusInd Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Entry
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: IndusInd Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Rewards
Best For: Beginners
Categories: Entry-level, Fuel
Bank: IndusInd Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Flexible rewards
Best For: Beginners
Categories: Entry-level, Fuel
Bank: ICICI Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: ICICI Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: ICICI Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Travel, Fuel, Rewards
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: ICICI Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: Axis Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 + GST (waiver on ₹50K spend) | Joining Fee: ₹500 + GST
Reward Rate: 4X on fuel, 2X on groceries
Best For: Daily commuters and fuel spenders
Categories: Fuel, Cashback
Bank: RBL Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Corporate users
Categories: Corporate, Fuel
Bank: RBL Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: None
Best For: Low credit users
Categories: Secured, Fuel
Bank: ICICI Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: 2 RP per 100
Best For: Beginners
Categories: Entry-level, Travel, Fuel, Rewards
Bank: HDFC Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Corporate employees
Categories: Corporate, Shopping, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Cashback
Best For: Beginners
Categories: Entry-level, Shopping, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: 10X partner rewards
Best For: Beginners
Categories: Entry-level, Shopping, Fuel, Rewards
Bank: SBI Card
Network: Visa | Tier: Mid-Range
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: 10X FBB rewards
Best For: Shoppers
Categories: Co-branded, Shopping, Fuel
Bank: AU Small Finance Bank
Network: RuPay | Tier: Entry
Annual Fee: Nil (Lifetime Free) | Joining Fee: Nil
Reward Rate: Customizable - up to 5%
Best For: Those who want personalized card benefits
Categories: Customizable, Cashback, Rewards
Bank: IDFC First Bank
Network: Visa | Tier: Premium
Annual Fee: ₹3,000 (waived on eligible annual spends of ₹10 lakh) | Joining Fee: ₹3,000
Reward Rate: High accelerated rewards
Best For: Premium customers with high international spending
Categories: Premium
Bank: HSBC Bank
Network: Visa | Tier: Mid-Range
Annual Fee: ₹750 + GST (waiver on ₹1 lakh spend) | Joining Fee: ₹750 + GST
Reward Rate: 1.5% unlimited cashback
Best For: Those who prefer simple, unlimited cashback
Categories: Cashback, Lifestyle
Bank: IndusInd Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: IDFC First Bank
Network: RuPay | Tier: Entry
Annual Fee: Nil | Joining Fee: Nil
Reward Rate: Rewards on UPI & digital spends
Best For: Credit Card holders seeking a digital RuPay companion card
Categories: Digital Rewards
Bank: YES Bank
Network: Visa | Tier: Entry
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: Bank of Baroda
Network: Visa | Tier: Entry
Annual Fee: ₹499 | Joining Fee: ₹499
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: SBI Card
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Students/Beginners
Categories: Entry-level, Fuel
Bank: RBL Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: ICICI Bank
Network: Visa | Tier: Entry
Annual Fee: NIL | Joining Fee: NIL
Reward Rate: Reward points
Best For: Beginners
Categories: Entry-level, Fuel
Bank: IDFC First Bank
Network: Visa | Tier: Premium
Annual Fee: ₹2,999 | Joining Fee: ₹2,999
Reward Rate: Accelerated travel/lifestyle rewards
Best For: Premium customers seeking metal card experience at mid-tier fee
Categories: Premium / Metal
Bank: IDFC First Bank
Network: Visa | Tier: Ultra Premium
Annual Fee: ₹50,000 (waived on eligible annual spends of ₹10 lakh) | Joining Fee: ₹50,000
Reward Rate: Premium accelerated rewards
Best For: Ultra-high-net-worth individuals (HNI/UHNI) seeking premium banking benefits
Categories: Ultra Premium
Bank: IDFC First Bank
Network: Visa | Tier: Entry
Annual Fee: ₹499 (waived on eligible annual spends of ₹10 lakh) | Joining Fee: ₹499
Reward Rate: Accelerated online/dining rewards
Best For: Young professionals seeking a spend-discipline credit card with EMI flexibility
Categories: Lifestyle / Youth
Bank: Bank of Baroda
Network: Visa | Tier: Entry
Annual Fee: ₹500 | Joining Fee: ₹500
Reward Rate: 1% cashback
Best For: Beginners
Categories: Entry-level, Fuel
Bank: HDFC Bank
Network: Visa | Tier: Entry
Annual Fee: ₹500 + GST | Joining Fee: ₹500 + GST
Reward Rate: 2 CashPoints per ₹150
Best For: First-time credit card users
Categories: Cashback, Entry Level
Bank: State Bank of India (SBI)
Network: Visa | Tier: Entry
Annual Fee: 499+GST | Joining Fee: ₹499 + GST
Reward Rate: 1 Reward Point per ₹100 on offline spends; 5X on online spends; 10X on partner merchants like Myntra, Swiggy, BookMyShow, Cleartrip, Apollo 24x7, etc.
Best For: Online shoppers looking to maximize rewards on e-commerce spending and benefit from SBI Card sale offers with a low annual fee.
Categories: Shopping, Online Shopping, Rewards, Cashback, Entry-Level
Bank: Kotak Mahindra Bank
Network: Visa | Tier: Entry
Annual Fee: Nil (Lifetime Free) | Joining Fee: Nil
Reward Rate: 1% cashback on all spends
Best For: Credit score building and first-time users
Categories: Entry Level, Cashback, Secured