200+
Cards Listed
Every major card from HDFC, SBI, Axis and other leading banks is covered here. No need to jump between bank websites just to compare basic features.
Updated for 2026
Best Credit Cards in India
Compare & Find Your Perfect Card
India has hundreds of credit cards. We've gone through all of them so you don't have to. Compare cards for cashback, travel, shopping and zero fees — and find the one that fits how you actually spend.
10%
Max Cashback Rate*
75M+
UPI + Card Users*
200+
Cards Compared
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We read through the fine print, compare real benefits, and show you only what matters for your spending habits.
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We don't take money from banks to rank their cards higher. Every recommendation is based only on the card's actual features and your spending pattern.
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Secure & Private
We don't store or sell your details. When you apply, you land directly on the bank's official website. Your data stays with you.
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Filter, compare and land on the bank's application form in about two minutes. Less clicking and no dead ends.
RuPay Network
Best RuPay Credit Cards in India 2026
These cards work on UPI, come with zero forex charges, and are issued by India's most trusted banks.
10X reward points on Amazon, Swiggy, Cleartrip and partner platforms
5X rewards on all other online purchases
1% fuel surcharge waiver across petrol pumps in India
3% Reward Points on every Shoppers Stop purchase
Welcome voucher worth ₹500 on card activation
Free Shoppers Stop Silver Edge Membership (worth ₹350)
BOGO movie tickets via District app — second ticket free, up to ₹200/month
Free Sony LIV Premium membership worth ₹1,499 on first purchase
1 complimentary domestic airport lounge access every quarter
1% cashback on all transactions — online, in-store, contactless and UPI, no category restrictions
5 coins per UPI payment on AU 0101 App + 500 bonus coins on first UPI transaction
2 complimentary railway lounge visits per quarter — no minimum spend required
Axis Bank
Axis Bank ACE RuPay Card
Lifetime Free2% CashbackUPI Linked
2% flat cashback on every purchase with no cap
5% back on bill payments and recharges via Google Pay
Fuel surcharge waiver at all petrol pumps in India
Kotak Mahindra Bank
Kotak 811 RuPay Credit Card
Lifetime FreeEasy ApprovalUPI Ready
No income documents required — a good first card for beginners
Works on UPI for instant digital payments anywhere
1% cashback on online transactions
Bank of Baroda
BOB Premier RuPay Card
Lounge AccessTravelRewards
Free entry to domestic airport lounges when you travel
5X reward points on travel and dining spends
Zero forex markup on international purchases
Canara Bank
Canara RuPay Select Card
Low FeeEveryday UseUPI Linked
Reward points on every transaction you make
UPI-linked for all daily digital payments
1% fuel surcharge waiver at petrol pumps
IndusInd Bank
IndusInd Nexxt RuPay Card
RewardsPremiumUPI Linked
Choose your own reward categories, refreshed every quarter
Two free lounge visits per quarter
Annual fee waived on yearly spend of ₹75,000
Quick Comparison
Top Credit Cards at a Glance
Use this table to quickly compare which card fits your spending the best.
| Card Name | Best For | Top Reward Rate | Annual Fee | UPI Support |
|---|---|---|---|---|
| SBI SimplyCLICK | Online Shopping | 10X on Amazon, Swiggy | ₹499/yr (waived at ₹1L spend) | Yes |
| Shoppers Stop HDFC | Lifestyle & Fashion | Higher rate at SS stores | ₹500/yr | Yes |
| AU Spont Credit Card | Flat Cashback + Lounge | 1% on all transactions | ₹299/yr | Yes |
| Axis Bank ACE | Flat Cashback | 2% on all spends | ₹0 Lifetime Free | Yes |
| Kotak 811 RuPay | First Credit Card | 1% online cashback | ₹0 Lifetime Free | Yes |
| BOB Premier RuPay | Travel | 5X on travel & dining | ₹999/yr | Yes |
Card Guide
Types of Credit Cards in India
Knowing what each card type does helps you pick one that actually saves you money.
Cashback Cards
A percentage of what you spend comes back as cash on your bill. No points to track, no portals to log in to.
Travel Cards
Earn air miles, get lounge access and travel insurance. Good for people who fly at least four to five times a year.
Shopping Cards
Extra rewards on Amazon, Flipkart or Myntra. If you shop online regularly, this type pays off faster than most.
Premium Cards
Golf, concierge, fine dining discounts and higher reward rates. Made for high spenders who want more from a card.
Fuel Cards
Save on fuel surcharge every time you fill up at HPCL, BPCL or Indian Oil stations across India.
Rewards Cards
Points pile up on every rupee spent. You can redeem them for flight tickets, vouchers or statement credit.
Student Cards
No income proof needed. A good first step for students who want to start building a credit history early.
Business Cards
Keep business and personal spends separate. Higher limits, expense tracking and GST invoice support included.
Co-branded Cards
Bank and brand tie-ups like Amazon, Flipkart and MakeMyTrip. Earn brand rewards faster than with a standard card.
Secured Cards
Issued against a fixed deposit. Good if your CIBIL score is low or you have no credit history yet.
Zero Fee Cards
No annual fee, ever. You get real card benefits without paying anything each year just to keep the card alive.
RuPay Cards
India's own payment network. Works on UPI, no forex charges, and accepted at crores of merchants across India.
Best Lifetime Free Cards
Top Lifetime Free Credit Cards in India 2026
Zero annual fee, real benefits — pick the bank whose card fits your lifestyle.
SBI Card
SBI SimplyCLICK Credit Card
If most of your spending happens online, this card pays off fast. The 10X rewards on partner platforms add up more than most people expect.
10X RewardsOnline ShoppingFee Waivable
- 10X reward points on Amazon, Swiggy, Cleartrip and partner sites
- 5X rewards on all other online purchases
- ₹500 Amazon gift card on card activation
- Annual fee waived when you spend ₹1 lakh in a year
- 1% fuel surcharge waiver, capped at ₹100 per month
Annual Fee: ₹499/yr (waivable)
HDFC Bank
HDFC Millennia Credit Card
Good for people who shop on Flipkart, Amazon and Myntra. The 5% cashback on these apps is useful day to day.
Lifetime Free5% on AppsCashback
- 5% cashback on Amazon, Flipkart, Myntra and popular shopping apps
- 1% cashback on everything else with no cap
- 2 free domestic airport lounge visits per quarter
- Annual fee waived on yearly spends of ₹1 lakh or more
- 1,000 CashPoints on card activation
Annual Fee: ₹0 – Lifetime Free
Axis Bank
Axis Bank ACE Credit Card
One of the simplest cashback cards available. You get 2% back on everything with no categories to track and no minimum spend.
Lifetime Free2% Flat CashbackGoogle Pay
- 5% cashback on bill payments and mobile recharges via Google Pay
- 4% cashback on Swiggy, Zomato and Ola orders
- 2% cashback on all other spends with no cap
- 1% fuel surcharge waiver at petrol stations across India
- No forex markup on international transactions
Annual Fee: ₹0 – Lifetime Free
Yes Bank
Yes Prosperity Rewards+ Card
Good all-round card for people who dine out or travel often. The extra points on those two categories cover most of what people spend on.
Lifetime FreeDining BenefitsRewards
- 6 reward points for every ₹200 spent on dining and travel
- 3 reward points per ₹200 on all other categories
- 2 free lounge visits per quarter for domestic travel
- Fuel surcharge waiver of up to ₹200 per month
- Welcome vouchers worth ₹500 on your first transaction
Annual Fee: ₹0 – Lifetime Free
HSBC Bank
HSBC Visa Cashback Card
Simple and straightforward. Every online transaction earns 1.5% back with no cap and no category restriction. It just works.
Lifetime Free1.5% CashbackNo Cap
- Unlimited 1.5% cashback on all online transactions
- 1% cashback on offline and in-store purchases
- 10% cashback on Swiggy, Zomato and BookMyShow (capped)
- No annual fee and no spend threshold to maintain
- Contactless payments with no foreign transaction markup
Annual Fee: ₹0 – Lifetime Free
AU Small Finance Bank
AU Bank LIT Credit Card
Unlike any other card in India. You choose which benefits to switch on each month so you never pay for things you don't use.
Lifetime FreeCustomizableChoose Benefits
- Turn on only the perks you need each month and pay for those
- Options include lounge access, OTT subscriptions and cashback
- 5% cashback on utility bill payments
- Reward points that never expire
- Zero joining fee and zero annual fee
Annual Fee: ₹0 – Lifetime Free
IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Lifetime free card with no joining fee and no annual fee. Earns 10X reward points on dining, travel and international spends from the first transaction, plus 25% off on movie tickets every month via District by Zomato.
Lifetime Free10X RewardsMovies + Lounge
- 10X reward points on dining, travel and international spends from first transaction (effective June 2026)
- 25% off on movie tickets via District by Zomato every month — up to ₹100 per month
- 4 complimentary railway lounge visits every quarter
- Interest rate starting from 8.5% per annum — one of the lowest for entry-level cards
- Welcome benefit: ₹500 gift voucher on spending ₹5,000 within 30 days of card issuance
Annual Fee: ₹0 – Lifetime Free
View Full Details
Income-Based Picks
Best Credit Cards by Monthly Income
Select your salary range to see cards that match your income and spending style.
10X rewards
SBI SimplyCLICK Credit Card
SBI Card
10X on Amazon, Swiggy, Cleartrip. 5X on all other online spends. Fee waived at ₹1L yearly spend.
Annual fee: ₹499/yr (waivable)
View card
Movies + lounge
Axis MyZone RuPay Card
Axis Bank
Free movie ticket every month + Sony LIV membership + domestic lounge access quarterly.
Annual fee: ₹500/yr
View card
5% on top apps
HDFC Millennia Credit Card
HDFC Bank
5% on Amazon, Flipkart, Myntra. 1% on everything else. 2 lounge visits per quarter.
Annual fee: ₹0 LTF
Premium travel
BOB Premier RuPay Card
Bank of Baroda
Airport lounge access, 5X on travel and dining, zero forex charges. Built for frequent travellers.
Annual fee: ₹999/yr
10X rewards
IDFC FIRST Millennia Card
IDFC FIRST Bank
10X on dining, travel and international spends. Railway lounge + movie discounts. Lifetime free.
Annual fee: ₹0 LTF
View card
Choose rewards
IndusInd Nexxt RuPay Card
IndusInd Bank
Pick your own reward categories every quarter. 2 free lounge visits. Fee waived at ₹75K spend.
Annual fee: ₹499/yr (waivable)
Smart Guide
How to Choose the Best Credit Card
The right card saves you real money every year. Here is how to pick one that actually works for your life.
Before You Apply
01
What do you spend most on?
List your top two spending categories — fuel, dining, groceries or online shopping. A card that rewards those two will always give more value than one with a fancier name.
02
Do the benefits actually exceed the fee?
Add up the rewards you will earn in rupees and compare that to the annual fee. If the math does not work, a lifetime free card almost always wins.
03
Will you actually get approved?
Check the income requirement and your CIBIL score before applying. A score above 750 is ideal. Rejected applications leave a hard inquiry on your report and pull your score down.
04
Is redemption easy?
Cashback hits your statement automatically. Points that expire or need a separate portal often go to waste. Simple is almost always better.
Key Criteria
Reward Rate9.5/10
Fee vs Benefit8.8/10
Eligibility Match8.0/10
Lounge & Travel7.2/10
Welcome Bonus6.5/10
Common Mistakes
- Applying to multiple cards at the same time
- Missing the annual fee waiver spend threshold
- Choosing a card only for the sign-up bonus
- Not reading how reward redemption actually works
- Letting credit utilisation go above 30%
FAQ
Frequently Asked Questions
Real questions people ask about credit cards in India — answered simply.
It depends on the card. Entry-level cards usually need a monthly income of ₹15,000 to ₹25,000. Premium cards need ₹50,000 or more. Self-employed people can qualify using their ITR showing an annual income above ₹2 to 3 lakhs. Some cards like Kotak 811 have no income requirement at all.
Cashback is a percentage of your spending that comes back to your card account. On a 5% cashback card, spending ₹1,000 gives you ₹50 back. Some cards credit it right away and some do it at the end of the billing cycle. Either way, it reduces what you owe — no portal, no extra steps.
Yes, but only a little and only for a short time. Every formal application triggers a hard inquiry which can reduce your CIBIL score by 5 to 10 points. It goes back up within a few months if you use the card responsibly. Checking your eligibility through a soft inquiry tool does not affect your score at all.
Most cards waive the fee if you spend above a threshold in the year — usually ₹1 to ₹2 lakhs. Some banks will also waive it if you call customer care and ask, especially if you have been using the card regularly. If you want to avoid this entirely, go with a lifetime free card.
Cashback goes straight to your bill and reduces what you pay. Reward points pile up in your account and can be exchanged for vouchers, flights or statement credit. Points cards sometimes give more value per rupee, but using them takes more effort and the points can expire. Cashback never expires.
For online shopping in 2026, the SBI SimplyCLICK Credit Card gives 10X rewards on Amazon, Swiggy and Cleartrip. The ICICI Amazon Pay Card gives 5% back on Amazon for Prime members. The Axis Flipkart Card gives 5% on Flipkart and 4% on Myntra. Pick based on which platforms you actually use the most.
Yes, completely safe when you apply through the bank's official website or a trusted comparison platform. We do not store your financial details. When you click to apply, we take you directly to the bank's own secure page which uses 256-bit SSL encryption.
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