Compare credit cards in India
100 credit cards from leading banks, with their rewards, fees, fee-waiver targets and eligibility in one place. Filter by bank or by what you need, then apply through our partner links.
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Get a full match → Best cards for 2 trips abroad a year Share these picks Look for a 0% forex markup (most cards add 3.5% to every foreign spend) and lounge access.
Scapia
Lifetime free
0% forex markup · unlimited domestic lounges in months you spend ₹20,000
Why: Pay nothing extra abroad and no annual fee.
IDFC FIRST Ashva
₹2,999 a year
0% forex markup · up to 8 international and 16 domestic lounges (₹20,000 monthly spend)
Why: Lounges on both trips plus no forex fee.
HDFC Regalia Gold
₹2,500 (waived at ₹4 lakh a year)
2% forex markup · 6 international lounge visits a year
Why: For bigger spenders who use points on flights and hotels.
Best first credit cards Share these picks Start with a low fee that is easy to waive, so you can build your credit score without paying much.
HDFC Pixel Go
₹250 (refunded on ₹10,000 spend in 90 days)
1% back on almost everything, including UPI
Why: Cheap, simple, and needs only ₹12,000 a month salary.
SBI SimplyCLICK
₹499 (waived at ₹1 lakh a year)
10X points at Swiggy, Myntra and BookMyShow · ₹500 Amazon voucher on joining
Why: Welcome voucher covers the fee.
IDFC FIRST WOW!
Lifetime free (needs an FD of ₹20,000)
No income proof needed · 0% forex markup
Why: Best if you have no salary slip or credit history yet.
Best cards for online shopping Share these picks Pick the card that rewards the apps and sites you already use most.
SBI Cashback
₹999 (waived at ₹2 lakh a year)
5% back on almost all online spends, up to ₹2,000 a month
Why: Works on any website, no list to remember.
HDFC Millennia
₹1,000 (waived at ₹1 lakh a year)
5% at Amazon, Flipkart, Swiggy, Zomato and 6 more (up to ₹1,000 a month)
Why: Great if you mainly use the big apps.
Flipkart Axis Bank
₹500 (waived at ₹3.5 lakh a year)
7.5% on Myntra, 5% on Flipkart and Cleartrip (₹4,000 a quarter each)
Why: Best for regular Flipkart and Myntra shoppers.
Best cards for paying bills Share these picks Most banks now charge 1% on rent and give no rewards on it, so paying rent by card usually costs more than it earns. For bills, these cards pay back the most:
HSBC Live+
₹999 (waived at ₹2 lakh a year)
10% back on utility bills, food delivery and groceries (₹1,200 a month in total)
Why: Covers bills and everyday spends in one card.
Airtel Axis Bank
₹500 (waived at ₹2 lakh a year)
25% back on Airtel bills and 10% on other bills paid in the Airtel Thanks app
Why: Highest return on phone, broadband and utility bills.
Axis Bank Neo
₹250 from year 2 (often free)
5% off utility bills on Paytm (₹150 a month) · Zomato and Blinkit discounts
Why: A low-cost card for small monthly savings.
Best lifetime free cards Share these picks No joining fee and no annual fee, ever. These still give real benefits:
Scapia
Lifetime free
0% forex markup · about 2% back as travel coins · domestic lounges
Why: Best free card if you travel.
IndusInd Tiger
Lifetime free
8 domestic and 2 international lounges a year · 1.5% forex markup
Why: Lounges with no spend condition.
Kiwi RuPay
Lifetime free
1.5% back on UPI scan and pay in the Kiwi app
Why: Free rewards on everyday UPI payments.
Best credit cards for UPI Share these picks Only RuPay credit cards work on UPI. These give the most back when you scan and pay:
Kiwi RuPay
Lifetime free
1.5% back on UPI scan and pay in the Kiwi app
Why: The simplest free UPI card.
HDFC Pixel Go
₹250 (refunded on ₹10,000 spend in 90 days)
1% back on UPI (up to 500 CashPoints a month), worth ₹1 each
Why: Works with any UPI app.
Tata Neu Infinity HDFC
₹1,499 (waived at ₹3 lakh a year)
1.5% on UPI with the Tata Neu UPI ID · 5% at BigBasket, Croma and Tata brands
Why: Best if you also shop at Tata brands.
Best premium cards Share these picks Premium cards cost ₹5,000 to ₹12,500 a year. They pay off only if you spend ₹50,000 or more a month and actually use the lounges and travel perks.
IDFC FIRST Mayura
₹5,999 a year
0% forex markup · up to 16 domestic and 16 international lounges (₹20,000 monthly spend) · buy-one-get-one movies
Why: Premium perks for less than half the fee of Magnus.
SBI Card ELITE
₹4,999 (waived at ₹10 lakh a year)
₹5,000 welcome voucher · 1.99% forex markup · 8 domestic and 6 international lounges
Why: The welcome voucher pays back the first-year fee.
Axis Bank Magnus
₹12,500 (waived at ₹25 lakh a year)
Unlimited lounges in India and abroad · 35 points per ₹200 on spends above ₹1.5 lakh a month
Why: For ₹1.5 lakh+ monthly spenders who move points to airlines.
All 100 credit cards: filter by bank and type
HDFC
Benefits 5% back on two brand packs you choose (₹500 a month shared), 5% on SmartBuy, 3% on one of Amazon, Flipkart or PayZapp, 1% on other spends including UPI.
Joining fee ₹500 + GST (often free online)
Annual fee ₹500 + GST, waived on ₹1 lakh spend a year
Eligibility Salaried: age 21 to 60, ₹25,000 a month · Self-employed: age 21 to 65, about ₹6 lakh a year · FD-backed version available
Full benefits and fees →
Apply now
HDFC
Benefits 1% back on most spends including UPI, 5% on HDFC SmartBuy (₹500 a month cap).
Joining fee ₹250 + GST
Annual fee ₹250 + GST, waived on ₹50,000 spend a year
Eligibility Salaried: age 21 to 60, ₹12,000 a month · Self-employed: age 21 to 65
Full benefits and fees → Apply now
HDFC
Benefits A low-cost virtual RuPay card made for UPI. It earns small CashPoints on groceries, dining, PayZapp and bills, and lets you pay any UPI QR on credit.
Joining fee ₹99 + GST
Annual fee ₹99 + GST (waived on ₹25,000 spend a year (from year 2))
Eligibility Salaried or self-employed; HDFC Bank decides income case by case
Full benefits and fees → Apply now
HDFC
Benefits Free Marriott night every year, 8 Bonvoy points per ₹150 at Marriott, Silver Elite status. 12 domestic and 12 international lounge visits.
Joining fee ₹3,000 + GST
Annual fee ₹3,000 + GST
Eligibility Salaried: age 21 to 60, about ₹1 lakh a month · Self-employed: age 21 to 65
Full benefits and fees →
Apply now
HDFC
Benefits 5% back on Amazon, Flipkart, Myntra, Swiggy, Zomato and 5 more apps (₹1,000 a month cap), 1% on other spends. 1 domestic lounge visit a quarter on ₹1 lakh spend.
Joining fee ₹1,000 + GST
Annual fee ₹1,000 + GST, waived on ₹1 lakh spend a year
Eligibility Age 21 to 40 · Salaried: ₹35,000 a month or more · Self-employed: check with HDFC Bank
Full benefits and fees →
Apply now
HDFC
Benefits HDFC’s premium metal business card: unlimited lounges worldwide, 5 points per ₹150 with bonuses on GST and tax payments, and Club Marriott membership.
Joining fee ₹10,000 + GST
Annual fee ₹10,000 + GST (waived on ₹7.5 lakh spend a year)
Eligibility Self-employed, age 21 to 65 · ITR above ₹30 lakh
Full benefits and fees → Apply now
HDFC
Benefits HDFC’s entry business card for small business owners: 3% back on EMI spends, 2% on bills and electronics, and an easy ₹50,000 fee waiver.
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹50,000 spend a year)
Eligibility Self-employed, age 21 to 65 · ITR of ₹6 lakh or more
Full benefits and fees → Apply now
HDFC
Benefits A low-fee HDFC business card that earns 10X CashPoints on business spends above ₹10,000 a cycle, with a quarterly bonus.
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1 lakh spend a year)
Eligibility Self-employed, age 21 to 65 · ITR above ₹6 lakh
Full benefits and fees → Apply now
HDFC
Benefits A mid-level HDFC business card with 5X points on GST, income tax, bills, travel and business tools, lounges, and quarterly travel vouchers.
Joining fee ₹2,500 + GST
Annual fee ₹2,500 + GST (waived on ₹4 lakh spend a year)
Eligibility Self-employed, age 21 to 65 · ITR of ₹12 lakh or more
Full benefits and fees → Apply now
HDFC
Benefits A mid-level HDFC card with Swiggy One and Times Prime memberships, quarterly vouchers, bonus points on Swiggy, Zomato and SmartBuy, and lounges in India and abroad.
Joining fee ₹1,000 + GST
Annual fee ₹1,000 + GST (waived on ₹3 lakh spend a year)
Eligibility Age 21 to 65 · Salaried or self-employed
Full benefits and fees → Apply now
HDFC
Benefits 5% back as Fuel Points at IndianOil, on groceries and on bills (small monthly caps), points usable for free fuel.
Joining fee ₹500 + GST
Annual fee ₹500 + GST, waived on ₹50,000 spend a year
Eligibility Age 21 to 60 · Salaried: about ₹12,000 a month
Full benefits and fees →
Apply now
HDFC
Benefits About 1.25% back as points, up to 6.25% at Myntra, Nykaa and Reliance Digital, bonus points on SmartBuy travel. 12 domestic and 6 international lounge visits, 2% forex markup.
Joining fee ₹2,500 + GST
Annual fee ₹2,500 + GST, waived on ₹4 lakh spend a year
Eligibility Salaried: age 21 to 60, about ₹1.5 lakh a month income · Self-employed: age 21 to 65, check income with HDFC Bank
Full benefits and fees →
Apply now
HDFC
Benefits 3% back as points at Shoppers Stop, 1% elsewhere, ₹500 welcome voucher, weekend bonus on big Shoppers Stop bills.
Joining fee ₹299 + GST
Annual fee ₹299 + GST
Eligibility Salaried: age 21 to 60, ₹20,000 a month · Self-employed: age 21 to 65, ITR over ₹6 lakh
Full benefits and fees → Apply now
HDFC
Benefits 10% back on Swiggy food, Instamart and Dineout, 5% on many online shops (₹1,500 a cycle each), 1% on other spends.
Joining fee ₹1,000 + GST
Annual fee ₹1,000 + GST, waived on ₹2 lakh spend a year (joining fee waived on ₹75,000 spend in 90 days)
Eligibility Salaried and self-employed applicants; HDFC Bank sets income limits case by case · Typical approval needs a good credit score (750+)
Full benefits and fees →
Apply now
HDFC
Benefits 5% back on Swiggy and select online shops like Amazon, Flipkart and Nykaa (₹1,500 a month shared), 1% on other spends.
Joining fee ₹500 + GST
Annual fee ₹500 + GST, waived on ₹1.5 lakh spend a year
Eligibility Salaried: age 21 to 60, about ₹20,000 to ₹25,000 a month · Self-employed: age 21 to 65, check with HDFC Bank
Full benefits and fees →
Apply now
HDFC First year free
Benefits 5% NeuCoins at Tata brands like BigBasket, Croma and Tata CLiQ, 1.5% on other spends and UPI. Up to 8 domestic and 4 international lounge visits, 2% forex markup.
Joining fee ₹1,499 + GST
Annual fee ₹1,499 + GST, waived on ₹3 lakh spend a year
Eligibility Salaried: age 21 to 60, about ₹1 lakh a month · Self-employed: age 21 to 65, check with HDFC Bank · A cheaper Tata Neu Plus variant (₹499 + GST) is also available
Full benefits and fees →
Apply now
HDFC
HDFC Bank Credit Cards (all cards)
Benefits Apply for any HDFC Bank credit card in one place. Depending on the card, you get online shopping discounts, dining offers and savings on overseas spends.
Joining fee Varies by card
Annual fee Varies by card
Eligibility Depends on the card you choose
Apply now
Axis First year free
Benefits ₹120 off Zomato twice a month, 10% off Blinkit, movies and bills. Few reward points; value is in the discounts.
Joining fee Nil in year 1 (often lifetime free)
Annual fee ₹250 + GST from year 2
Eligibility Age 18 to 70 · Salaried, self-employed or student
Full benefits and fees → Apply now
Axis First year free till 31 Oct 2026
Benefits 7.5% back on Myntra, 5% on Flipkart and Cleartrip (₹4,000 a quarter each), 4% at Swiggy and partners, 1% on other spends.
Joining fee ₹500 + GST
Annual fee ₹500 + GST, waived on ₹3.5 lakh spend a year
Eligibility Age 18 to 70 · Salaried, self-employed or student; Axis Bank decides income case by case
Full benefits and fees →
Apply now
Axis Lifetime free till 30 Oct 2026
Benefits 8 domestic lounge visits a year (spend-based), a movie ticket every month, 5X EDGE points on Travel EDGE bookings, 1% on regular spends.
Joining fee Nil
Annual fee Nil (lifetime-free offer valid till 30 Oct 2026)
Eligibility Income: salaried ₹50K/mo, self-employed ₹6L/yr · CIBIL 736+ · New to credit: not allowed
Full benefits and fees → Apply now
Axis
Benefits Buy one get one movie tickets on District, ₹120 off Swiggy twice a month, SonyLIV Premium on joining, 1 lounge visit a quarter (spend-based).
Joining fee Free
Annual fee Lifetime free
Eligibility Age 18 to 70
Full benefits and fees → Apply now
Axis
Benefits 25% back on Airtel bills and 10% on other bills in the Airtel Thanks app, 10% on Zomato, Blinkit and District, 1% on other spends.
Joining fee ₹500 + GST
Annual fee ₹500 + GST, waived on ₹2 lakh spend a year
Eligibility Age 18 to 70 · Salaried, self-employed or student
Full benefits and fees →
Apply now
Axis
Benefits 12 EDGE points per ₹200, 35 above ₹1.5 lakh a month, 60 on Axis Travel EDGE. Unlimited lounges in India and abroad, 2% forex markup.
Joining fee ₹12,500 + GST
Annual fee ₹12,500 + GST, waived on ₹25 lakh spend a year
Eligibility Age 18 to 70 · Salaried: about ₹24 lakh a year
Full benefits and fees →
Apply now
Axis
Benefits 5 EDGE Miles per ₹100 on travel and 2 on other spends, transferable to airlines and hotels. Up to 32 domestic and 8 international lounge visits.
Joining fee ₹3,000 + GST
Annual fee ₹3,000 + GST
Eligibility Age 18 to 70 · Salaried or self-employed
Full benefits and fees →
Apply now
Axis
Benefits About 4% back at IndianOil pumps and 1% on online shopping (each on up to ₹5,000 a month).
Joining fee ₹500 + GST
Annual fee ₹500 + GST, waived on ₹3.5 lakh spend a year
Eligibility Age 18 to 70
Full benefits and fees → Apply now
Axis Lifetime free till 30 Oct 2026
Benefits 3 BluChips per ₹100 on IndiGo, 2 on groceries and dining, 1 elsewhere, 1,200 BluChips on joining, at ₹1.5 lakh, ₹3 lakh and on renewal.
Joining fee ₹799 + GST
Annual fee ₹799 + GST
Eligibility Age 18 to 70 · Salaried or self-employed
Full benefits and fees → Apply now
Axis Lifetime free
Benefits A lifetime-free card for LIC policyholders: double points on LIC premiums and a fuel surcharge waiver.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 18 to 70 · Income ₹5 lakh a year
Full benefits and fees → Apply now
Axis Lifetime free
Benefits A lifetime-free card for LIC policyholders: double points on LIC premiums and international spends, and domestic lounge visits if you spend enough.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 18 to 70 · Salaried or self-employed
Full benefits and fees → Apply now
Axis
Benefits About 1% back as EDGE points, 12,500 welcome points, 10,000 bonus points at ₹2.5 lakh a year. 2 domestic lounge visits a quarter (spend-based).
Joining fee ₹1,500 + GST
Annual fee ₹1,500 + GST, waived on ₹5 lakh spend a year
Eligibility Age 18 to 70 · Salaried or self-employed
Full benefits and fees → Apply now
Axis
Benefits A mid-fee rewards card: about 3.2% back at apparel and department stores, monthly bonus points when you spend ₹30,000, and domestic lounge visits.
Joining fee ₹1,000 + GST
Annual fee ₹1,000 + GST (waived on ₹2 lakh spend a year)
Eligibility Age 18 to 70 · Salaried or self-employed
Full benefits and fees → Apply now
Axis
Benefits Made for Samsung buyers: 10% cashback on Samsung phones, TVs and appliances (up to ₹10,000 a year), plus 2% at Zomato, BigBasket and Myntra.
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹2 lakh spend a year)
Eligibility Age 18 to 70 · Salaried or self-employed
Full benefits and fees → Apply now
Axis
Benefits Monthly ₹500 off BigBasket and ₹200 off Swiggy twice, 2% back on retail shopping, golf. Domestic lounges (spend-based) and 6 international.
Joining fee ₹3,000 + GST
Annual fee ₹3,000 + GST, waived on ₹8 lakh spend a year
Eligibility Age 18 to 70 · Salaried: ₹6 lakh a year
Full benefits and fees → Apply now
Axis
Benefits Up to 7% cashback on online spends (₹4,000/month cap) and 0.75% on offline and travel spends.
Joining fee ₹1,000 + GST
Annual fee ₹1,000 + GST (waived on ₹4L yearly spend)
Eligibility Age 18 to 70 · Salaried or self-employed
Full benefits and fees → Apply now
IDFC FIRST Lifetime free
Benefits A lifetime-free card with 0% forex markup, 10X points on dining, travel and international spends, railway lounges and roadside assistance.
Joining fee Free
Annual fee Lifetime free
Eligibility Salaried or self-employed; IDFC FIRST decides income case by case
Full benefits and fees → Apply now
IDFC FIRST
Benefits Up to 6.5% back at HPCL pumps, 5% on groceries, bills and FASTag (small caps), 0% forex markup, 1 lounge visit a quarter (spend-based).
Joining fee ₹499 + GST
Annual fee ₹499 + GST, waived on ₹1.5 lakh spend a year
Eligibility Age 21+ · Income ₹3 lakh a year or more
Full benefits and fees →
Apply now
IDFC FIRST
Benefits 0% forex markup, up to 16 domestic and 16 international lounge visits, buy one get one movies twice a month (all need ₹20,000 monthly spend).
Joining fee ₹5,999 + GST
Annual fee ₹5,999 + GST
Eligibility Salaried or self-employed · Income proof needed; IDFC FIRST does not publish a minimum
Full benefits and fees → Apply now
IDFC FIRST
Benefits FD-backed card, no income proof needed. 0% forex markup, bonus points on travel booked in the IDFC FIRST app, 4 domestic lounge visits.
Joining fee ₹750 + GST
Annual fee ₹750 + GST, waived on ₹1.5 lakh spend a year
Eligibility Age 18 to 80 · No income proof needed; open an FD of ₹20,000 or more · Salaried, self-employed or student
Full benefits and fees → Apply now
IDFC FIRST Lifetime free
Benefits A lifetime-free card backed by a fixed deposit, so anyone can get it without income proof. It has 0% forex markup, which makes it handy for foreign trips.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 18 to 80 · No income proof needed; open an FD of ₹20,000 or more · Salaried, self-employed or student
Full benefits and fees → Apply now
IDFC FIRST
Benefits A low-fee HPCL fuel card: about 3.5% back at HPCL pumps, 2.5% on groceries, bills and FASTag, 0% forex markup and roadside assistance.
Joining fee ₹199 + GST
Annual fee ₹199 + GST (waived on ₹50,000 spend a year)
Eligibility Age 21+ · Salaried: ₹3 lakh a year
Full benefits and fees → Apply now
IDFC FIRST First year free
Benefits An FD-backed RuPay card from just ₹5,000 for UPI payments: 1% cashback on UPI through the IDFC FIRST app, 0.5% elsewhere and 0% forex markup.
Joining fee Free
Annual fee ₹499 + GST from year 2 (waived on ₹1 lakh spend a year)
Eligibility Age 18 to 80 · No income proof needed; open an FD of ₹5,000 or more
Full benefits and fees → Apply now
IDFC FIRST First year free
Benefits A RuPay cashback card: 3% on online spends (5% above ₹10,000 a cycle), 1% on UPI through the IDFC FIRST app and in-store, and 0% forex markup.
Joining fee Nil (offer)
Annual fee ₹1,000 + GST
Eligibility Age 18 to 80 · Can be issued against a fixed deposit, with no income proof needed
Full benefits and fees → Apply now
IDFC FIRST Lifetime free
Benefits A lifetime-free cashback card backed by a ₹10,000 FD: 1% back online (2% above ₹10,000 a month), 1% on UPI in the IDFC FIRST app, and 0% forex markup.
Joining fee Free
Annual fee Lifetime free
Eligibility Needs an IDFC FIRST fixed deposit · Open to new-to-credit applicants
Full benefits and fees → Apply now
IDFC FIRST
Benefits 0% forex markup, up to 16 domestic and 8 international lounge visits, buy one get one movies, about 1.7% back above ₹20,000 a month.
Joining fee ₹2,999 + GST
Annual fee ₹2,999 + GST
Eligibility Salaried or self-employed · Income proof needed; IDFC FIRST does not publish a minimum
Full benefits and fees → Apply now
IDFC FIRST
Benefits 6 BluChips per ₹100 on IndiGo and 3 elsewhere, 5,000 BluChips at each of 5 yearly milestones, 0% forex markup. No lounges.
Joining fee ₹4,999 + GST
Annual fee ₹4,999 + GST
Eligibility Age 18 and above · Salaried or self-employed with income proof · FD-backed version available (no joining benefits)
Full benefits and fees → Apply now
SBI
Benefits 10X points (about 2.5%) at partners like Myntra, Swiggy and Cleartrip, 5X on other online spends including Amazon, ₹2,000 vouchers at ₹1 lakh and ₹2 lakh online spend.
Joining fee ₹499 + GST
Annual fee ₹499 + GST, waived on ₹1 lakh spend a year
Eligibility Salaried, self-employed or student
Full benefits and fees →
Apply now
SBI
Benefits About 2.5% back on dining, groceries and department stores, free movie tickets, up to ₹12,500 in milestone points. 8 domestic and 6 international lounges, 1.99% forex.
Joining fee ₹4,999 + GST
Annual fee ₹4,999 + GST, waived on ₹10 lakh spend a year
Eligibility Salaried or self-employed with a high income (around ₹1 to ₹2 lakh a month)
Full benefits and fees →
Apply now
SBI
Benefits 5% back on all online spends and 1% offline (₹2,000 a month cap in total). Bills, rent and fuel earn nothing.
Joining fee ₹999 + GST
Annual fee ₹999 + GST, waived on ₹2 lakh spend a year
Eligibility Salaried, self-employed or student; SBI Card decides income case by case
Full benefits and fees →
Apply now
SBI First year free till 31 Oct 2026
Benefits 7.5% back on Myntra, 5% on Flipkart, Shopsy and Cleartrip (₹4,000 a quarter each), 1% on other spends, credited to your bill.
Joining fee ₹500 + GST
Annual fee ₹500 + GST, waived on ₹3.5 lakh spend a year
Eligibility Salaried or self-employed; SBI Card decides income case by case
Full benefits and fees → Apply now
SBI
Benefits 10X points (about 1.7%) on dining, movies, groceries and department stores, 1 point per ₹150 elsewhere.
Joining fee ₹499 + GST
Annual fee ₹499 + GST, waived on ₹1 lakh spend a year
Eligibility Salaried or self-employed; SBI Card decides income case by case
Full benefits and fees →
Apply now
SBI
Benefits About 3.25% back at BPCL pumps, 1.25% on dining, groceries, movies and department stores.
Joining fee ₹499 + GST
Annual fee ₹499 + GST, waived on ₹1 lakh spend a year
Eligibility Salaried or self-employed
Full benefits and fees → Apply now
SBI
Benefits About 8% back on AC train tickets booked on IRCTC, lower IRCTC charges, 4 railway lounge visits a year.
Joining fee ₹500 + GST
Annual fee ₹500 + GST
Eligibility Salaried or self-employed
Full benefits and fees → Apply now
SBI
Benefits About 6.25% back at BPCL pumps, 2.5% on dining, groceries, movies and department stores, ₹2,000 voucher at ₹3 lakh. 4 domestic lounge visits a year.
Joining fee ₹1,499 + GST
Annual fee ₹1,499 + GST, waived on ₹2 lakh spend a year
Eligibility Salaried or self-employed
Full benefits and fees →
Apply now
SBI
Benefits Travel Credits on every spend, double on travel, transferable to airlines and hotels. 4 domestic lounge visits plus more as you spend, 3% forex markup.
Joining fee ₹1,499 + GST
Annual fee ₹1,499 + GST, waived on ₹6 lakh spend a year
Eligibility Salaried or self-employed
Full benefits and fees → Apply now
SBI
Benefits 10X points (about 2.5%) on dining, groceries, department stores and movies, quarterly Pizza Hut vouchers, ₹7,000 voucher at ₹5 lakh. 8 domestic and 4 international lounges.
Joining fee ₹2,999 + GST
Annual fee ₹2,999 + GST, waived on ₹3 lakh spend a year
Eligibility Salaried, self-employed or student; SBI suggests ₹50,000 to ₹1 lakh a month income
Full benefits and fees → Apply now
SBI
Benefits 5% NeuCoins at Tata brands, 1.5% on other spends and UPI, 1.99% forex markup. Domestic lounges with ₹75,000 quarterly spend, 4 international.
Joining fee ₹1,499 + GST
Annual fee ₹1,499 + GST, waived on ₹3 lakh spend a year
Eligibility Salaried or self-employed
Full benefits and fees → Apply now
SBI
Benefits The cheaper Tata Neu card from SBI: 2% NeuCoins at Tata brands, 1% on other spends and UPI, and a lounge visit each quarter if you spend enough.
Joining fee ₹499 + GST
Annual fee ₹499 + GST (waived on ₹1 lakh spend a year)
Eligibility Salaried or self-employed
Full benefits and fees → Apply now
BOBCARD First year free
Benefits About 3.75% back on travel, dining, online shopping and international spends (₹1,250 a month cap), 2% forex markup, unlimited domestic lounges (spend-based).
Joining fee ₹2,499 + GST
Annual fee ₹2,499 + GST, waived on ₹2.5 lakh spend a year
Eligibility Age 25 to 55 · Salaried: ₹12 lakh a year
Full benefits and fees → Apply now
BOBCARD
BOBCARD (General)
Benefits Flexible rewards redeemable for merchandise, vouchers and flights, plus fuel surcharge waiver and EMI conversion.
Joining fee Nil
Annual fee Varies by variant
Eligibility CIBIL 650+
Apply now
HSBC
Benefits 10% back on dining, food delivery, groceries, shopping and bills (₹1,200 a month cap), 1.5% on everything else. 2 domestic and 1 international lounge visit, 1.99% forex.
Joining fee ₹999 + GST
Annual fee ₹999 + GST, waived on ₹2 lakh spend a year
Eligibility Salaried: age 18 to 65, ₹6 lakh a year · Self-employed: age 25 to 65
Full benefits and fees →
Apply now
HSBC Lifetime free
Benefits A lifetime-free HSBC card with points you can transfer to airlines and hotels, a welcome voucher, and ₹250 back each quarter on fuel.
Joining fee Free
Annual fee Lifetime free
Eligibility Salaried: age 18 to 65, ₹6 lakh a year · Self-employed: age 25 to 65, ₹12 lakh a year · Only in cities where HSBC operates
Full benefits and fees → Apply now
HSBC
Benefits Up to 24 points per ₹100 on travel booked with points, 4 on flights and foreign spends, transferable to airlines and hotels. 6 domestic and 4 international lounges.
Joining fee ₹4,999 + GST
Annual fee ₹4,999 + GST, waived on ₹8 lakh spend a year
Eligibility Salaried: age 18 to 65, ₹6 lakh a year · Self-employed: age 25 to 65
Full benefits and fees →
Apply now
SBM Lifetime free
Benefits A lifetime-free RuPay card backed by an FD from ₹2,000, used through the ZET app. Most value comes from discounted brand vouchers bought in the app.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 18+ · No income proof or credit history needed
Full benefits and fees → Apply now
IOB Lifetime free
Benefits A lifetime-free RuPay card backed by a small FD, used through the ZET app, with 2% back on UPI and 5% on Amazon and Flipkart vouchers with ZET Plus.
Joining fee Free
Annual fee Lifetime free
Eligibility No income proof needed; suited to people with no credit history
Full benefits and fees → Apply now
PNB
Benefits Two cards on one account, Visa and RuPay, sharing one limit: about 0.8% back as Zagg coins, airport lounges on RuPay and railway lounges on Visa.
Joining fee ₹499 + GST
Annual fee ₹499 + GST (waived on ₹1.5 lakh spend a year)
Eligibility Check with PNB; a credit score of 700+ helps
Full benefits and fees → Apply now
RoarBank Lifetime free
Benefits A lifetime-free RuPay card where you pick two categories each month for boosted cashback, up to ₹2,500 a month. Other spends earn nothing.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 21 to 60 · Salaried, self-employed or student · No credit history needed
Full benefits and fees → Apply now
Uni Lifetime free
Benefits A lifetime-free card that gives 1% back as Uni Coins you can keep as digital gold, with 0% forex markup and a free RuPay card for UPI.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 21 to 60 · Salaried or self-employed
Full benefits and fees → Apply now
DCB Lifetime free
Benefits A lifetime-free RuPay card backed by an FD from ₹2,000, managed in the Novio app, with app coins on UPI and shop spends and voucher discounts.
Joining fee Free
Annual fee Lifetime free
Eligibility No income proof needed; open an FD and complete KYC
Full benefits and fees → Apply now
IndusInd Lifetime free
Benefits Points grow from 1X to 6X as your yearly spend rises, 1.5% forex markup. 8 domestic and 2 international lounge visits.
Joining fee Free
Annual fee Lifetime free
Eligibility Income proof needed; IndusInd does not publish a minimum
Full benefits and fees → Apply now
AU Lifetime free
Benefits Pick paid packs for 5% back on groceries or apparel, 10X points online, or lounge visits. No pack: 1 point per ₹100.
Joining fee Free
Annual fee Lifetime free
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65
Full benefits and fees →
Apply now
AU
Benefits 5 points per ₹100 on dining, groceries and international spends, 1,000 bonus points each cycle you spend ₹50,000. Domestic and international lounges.
Joining fee ₹7,999 + GST
Annual fee ₹7,999 + GST, waived on ₹5 lakh spend a year
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65 · Income: check with AU Bank
Full benefits and fees →
Apply now
AU Bank Lifetime free for a limited time
Benefits 1.5% back on shop purchases (₹100 a cycle), 500 bonus points each month you spend ₹20,000, 8 railway lounge visits, works on UPI.
Joining fee ₹499 + GST
Annual fee ₹499 + GST, waived on ₹80,000 spend a year
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65
Full benefits and fees → Apply now
AU Bank
Benefits A mid-premium AU card with 1.25% back on dining, online shopping and travel, big milestone bonuses up to 50,000 points, and 8,000 welcome points.
Joining fee ₹2,000 + GST
Annual fee ₹2,000 + GST (waived on ₹3 lakh spend a year)
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65
Full benefits and fees → Apply now
AU Bank
Benefits An AU card for everyday spending: 1.25% back on groceries, department stores and tap-to-pay, monthly buy-one-get-one movies and domestic lounges.
Joining fee ₹1,000 + GST
Annual fee ₹1,000 + GST (waived on ₹2 lakh spend a year)
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65
Full benefits and fees → Apply now
AU Bank
Benefits AU’s entry-level RuPay card for first-time users: a ₹100 fee, easy waiver and UPI payments on credit. Rewards are small.
Joining fee ₹100 + GST
Annual fee ₹100 + GST (waived on ₹75,000 spend a year)
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65
Full benefits and fees → Apply now
AU Bank
Benefits An entry AU card with 10% cashback, once a month each, on District movies, Amazon Fresh, Zomato, cab rides and bill payments, each capped at ₹50.
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5 lakh spend a year)
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65
Full benefits and fees → Apply now
AU Bank Lifetime free for a limited time
Benefits An AU card with domestic, railway and international lounge visits every quarter, 1% back on groceries and quarterly milestone points.
Joining fee Nil (limited-time offer)
Annual fee Nil (limited-time offer)
Eligibility Salaried: age 21 to 60 · Self-employed: age 25 to 65
Full benefits and fees → Apply now
AU Bank Free from 2nd year
Benefits An FD-backed AU card with no annual fee, a low 0.99% forex markup, quarterly lounge visits and no income proof needed.
Joining fee ₹199 + GST
Annual fee Free
Eligibility Age 18+ · No income proof needed; open an FD of ₹20,000 or more
Full benefits and fees → Apply now
Kotak
Benefits Kotak’s entry travel card: 1 Air Mile per ₹100 (3 on Kotak Unbox travel), miles transferable to Air India, Marriott and others, plus domestic lounges.
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹2.5 lakh spend a year)
Eligibility Age 18+ · Salaried or self-employed
Full benefits and fees → Apply now
Kotak
Benefits Kotak’s stronger travel card: 2 Air Miles per ₹100 on most spends (about 2%), 5 on Kotak Unbox travel, 2% forex markup and international lounges.
Joining fee ₹3,000 + GST
Annual fee ₹3,000 + GST (waived on ₹4 lakh spend a year)
Eligibility Age 18+ · Salaried or self-employed
Full benefits and fees → Apply now
Kotak First year free
Benefits A Kotak cashback card: 5% on online groceries, food delivery and entertainment, 3% on fuel, 0.5% elsewhere, with a shared ₹750 monthly cap.
Joining fee ₹750 + GST
Annual fee ₹750 + GST (waived on ₹2 lakh spend a year)
Eligibility Age 18+ · Salaried or self-employed
Full benefits and fees → Apply now
Kotak
Benefits A low-fee Kotak card with an easy ₹50,000 fee waiver and a milestone of 10,000 points or 4 PVR tickets for every ₹1.25 lakh spent in six months.
Joining fee ₹499 + GST
Annual fee ₹499 + GST (waived on ₹50,000 spend a year)
Eligibility Age 21 to 60 · Salaried: ₹5 lakh a year
Full benefits and fees → Apply now
IndusInd
Benefits 2 points per ₹100 on weekends and 1 on weekdays, 3,000 bonus points at ₹5 lakh a year, 1.8% forex markup. No free lounges.
Joining fee ₹5,000 (one time)
Annual fee Nil after the one-time joining fee
Eligibility Salaried, self-employed or student; IndusInd decides income case by case
Full benefits and fees →
Apply now
IndusInd Lifetime free
Benefits A basic lifetime-free card with about 0.4% back on spends. Simple and free to keep, but with few extra benefits.
Joining fee Free
Annual fee Lifetime free
Eligibility Salaried, self-employed or student
Full benefits and fees → Apply now
IndusInd Lifetime free
Benefits 20% back at EazyDiner partner restaurants (₹1,500 a month), 3 months of EazyDiner Prime, buy one get one movie ticket monthly.
Joining fee Free
Annual fee Lifetime free
Eligibility Salaried or self-employed with income proof
Full benefits and fees → Apply now
IndusInd Lifetime free
Benefits A lifetime-free card where you pick a plan (Home, Shop, Travel or Party) and earn about 1.6% back in that plan’s category.
Joining fee Free
Annual fee Lifetime free
Eligibility Salaried or self-employed
Full benefits and fees → Apply now
IndusInd
Benefits A RuPay card for UPI: 2 points per ₹100 on UPI QR payments and 1 on card spends. IndusInd’s terms list a one-time joining fee, so check before you apply.
Joining fee ₹10,000 + GST one-time (per bank terms)
Annual fee Nil
Eligibility Salaried or self-employed
Full benefits and fees → Apply now
IndusInd
Benefits A premium travel card that earns Avios for British Airways and Qatar Airways flights, with 20,000 welcome Avios and lounge visits in India and abroad.
Joining fee ₹10,000 + GST
Annual fee ₹5,000 + GST
Eligibility Salaried or self-employed with high income
Full benefits and fees → Apply now
Scapia Lifetime free
Benefits About 2% back on all spends and 4% on travel booked in the Scapia app, 0% forex markup, unlimited domestic lounges with ₹20,000 monthly spend.
Joining fee Free
Annual fee Lifetime free
Eligibility Salaried, self-employed or student · Digital application through the Scapia app
Full benefits and fees →
Apply now
Kiwi Lifetime free
Benefits 1.5% back on UPI scan and pay and 0.5% on online payments in the Kiwi app.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 22 to 55 · Salaried or self-employed · PAN and Aadhaar
Full benefits and fees → Apply now
RBL
Benefits A low-fee grocery card: about 5% back on groceries (on up to about ₹5,000 a month) and 10% off BookMyShow tickets.
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5 lakh spend a year)
Eligibility Salaried, self-employed or student
Full benefits and fees → Apply now
YES Bank First year free
Benefits 10 POPcoins per ₹100 online, 7 on UPI through the POP app, 2 offline, 1,500 bonus POPcoins at ₹1.5 lakh a year.
Joining fee Nil
Annual fee ₹399 + GST from year 2, waived on ₹1.5 lakh spend a year
Eligibility Age 21 to 60 · Salaried: ₹25,000 a month · Self-employed: ₹7.5 lakh ITR · New YES Bank card customers only
Full benefits and fees →
Apply now
YES Bank Lifetime free
Benefits A lifetime-free RuPay card for UPI: 3% back on UPI merchant payments through the Kredit.Pe app (5% above ₹25,000 a month) and a ₹1,000 welcome bonus.
Joining fee Free
Annual fee Lifetime free
Eligibility Age 21 to 60 · Salaried: ₹6 lakh a year · New YES Bank card customers only
Full benefits and fees → Apply now
YES Bank Lifetime free for a limited time
Benefits A low-fee YES Bank card with monthly buy-one-get-one movie tickets, golf, a quarterly lounge visit and an easy fee waiver.
Joining fee ₹599 + GST
Annual fee ₹599 + GST (waived on ₹1 lakh spend a year)
Eligibility Age 21 to 60 · Salaried: ₹50,000 a month · New YES Bank card customers only
Full benefits and fees → Apply now
YES Bank Lifetime free for a limited time
Benefits A mid-level YES Bank card with 3 international lounge visits a year, domestic lounges, 25% off BookMyShow and an easy joining fee waiver.
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹2 lakh spend a year)
Eligibility Age 21 to 60 · Salaried: ₹1 lakh a month; self-employed: ITR ₹9 lakh+ · New YES Bank card customers only
Full benefits and fees → Apply now
RBL
Benefits A low-fee IndianOil fuel card: about 5% back as fuel points at IndianOil pumps (on up to about ₹10,000 of fuel a month).
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.75 lakh spend a year)
Eligibility Salaried or self-employed with income proof
Full benefits and fees → Apply now
RBL
Benefits About 7.5% back at IndianOil pumps as fuel points (2,000 points a month cap), 1% on other spends, quarterly milestone bonuses.
Joining fee ₹1,500 + GST
Annual fee ₹1,500 + GST, waived on ₹2.75 lakh spend a year
Eligibility Salaried or self-employed with income proof
Full benefits and fees → Apply now
RBL
Benefits A train travel card: about 2.5% back on IRCTC tickets (points worth ₹1 on IRCTC), lower booking charges, 8 railway lounge visits and train cancellation cover.
Joining fee ₹500 + GST
Annual fee ₹500 + GST
Eligibility Salaried or self-employed with income proof
Full benefits and fees → Apply now
RBL
Benefits 0% forex markup, 5 points per ₹100 on travel, milestones up to a ₹10,000 Taj voucher, travel insurance. Domestic lounges and Priority Pass.
Joining fee ₹3,000 + GST
Annual fee ₹3,000 + GST
Eligibility Salaried or self-employed with income proof
Full benefits and fees → Apply now
RBL
Benefits A movie card: ₹500 off BookMyShow tickets (2 tickets up to ₹250 each) in every month you spend ₹5,000, plus food and drink discounts.
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5 lakh spend a year)
Eligibility Salaried or self-employed with income proof
Full benefits and fees → Apply now
RBL
Benefits A cashback card with 10% back on Zomato, Myntra and Uber (₹300 each a month), a ₹1,000 welcome voucher and voucher milestones.
Joining fee Free
Annual fee ₹100 a month (waived in months after ₹5,000 spend)
Eligibility Salaried or self-employed with income proof
Full benefits and fees → Apply now
Best credit cards in India by need (October 2026)
Our quick picks from the 100 cards above, based on rewards, fees and who can get them. Tap a card to see its full benefits, fees and eligibility.
Best for online shopping and cashback
SBI Cashback : 5% back on all online spends and 1% offline (₹2,000 a month cap). ₹999 annual fee, waived on ₹2 lakh spend a year.HDFC Millennia : 5% back on Amazon, Flipkart, Myntra, Swiggy, Zomato and five more apps (₹1,000 a month cap). ₹1,000 fee, waived on ₹1 lakh spend.Axis Flipkart : 7.5% back on Myntra, 5% on Flipkart and Cleartrip, 4% at Swiggy. ₹500 fee, waived on ₹3.5 lakh spend.
Best lifetime free credit cards
IDFC FIRST Classic : no annual fee ever, 0% forex markup and 10X points on dining, travel and international spends.HSBC Platinum : no annual fee, with points you can transfer to airlines and hotels.Scapia : about 2% back on all spends, 4% on travel booked in the app and 0% forex markup.
Best for beginners and no credit history
IDFC FIRST WOW : backed by a fixed deposit, so you can get it without income proof. Lifetime free.SBM ZET : a lifetime-free RuPay card backed by an FD from ₹2,000.HDFC Pixel Go : for salaried people earning from ₹12,000 a month, with 1% back on most spends including UPI.
Credit cards for a ₹25,000 monthly salary
HDFC Pixel Play : minimum salary ₹25,000 a month; 5% back on two brand packs you choose.SBI SimplyCLICK : about 2.5% back at partners like Myntra and Swiggy; ₹499 fee, waived on ₹1 lakh spend.
Best for fuel
RBL Indian Oil XTRA : about 7.5% back at IndianOil pumps as fuel points.SBI BPCL Octane : about 6.25% back at BPCL pumps and 2.5% on dining, groceries and movies.HDFC Indian Oil : 5% back as fuel points at IndianOil, on groceries and on bills; ₹500 fee, waived on ₹50,000 spend.
Best for UPI payments
Best for travel and airport lounges
HDFC Regalia Gold : about 1.25% back as points and up to 6.25% at Myntra, Nykaa and Reliance Digital, plus lounge access.SBI Miles : travel credits on every spend that you can transfer to airlines and hotels.Axis Magnus : a premium card with unlimited lounge visits in India; ₹12,500 fee, waived on ₹25 lakh spend.
Not sure which one fits? Use our Card Finder or compare cards side by side . Meeting the minimum income does not guarantee approval, and offers change often, so check the bank’s terms before you apply.
