200+
Cards Listed
Every major card from HDFC, SBI, Axis and others is here. No need to jump between bank websites just to compare basic features.
Your Best Choice
Best Credit Cards in India
Compare & Find Your Perfect Card
We've already gone through every major card so you don't have to. Compare all of them in one place and pick the one that actually fits how you spend.
10%
Max Cashback Rate*
75M+
UPI + Card Users*
200+
Cards Compared
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We go through the fine print so you don't have to. Compare hundreds of cards in minutes and pick the right one.
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We don't take money from banks to rank their cards higher. Every suggestion is based only on the card's actual features and your spending habits.
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Secure & Private
We don't store or sell your details. When you apply, we take you directly to the bank's own website. Nothing else.
2 Min
Quick Apply
Filter, compare and land on the bank's application form in about two minutes. Less clicking, no dead ends.
RuPay Network
Best RuPay Credit Cards
These cards work on UPI, have no forex charges and come from some of India's most trusted banks.
SBI Card
RuPay
SimplyCLICK
•••• •••• •••• 7730
VISA
SBI Card
SBI SimplyCLICK RuPay Card
Lifetime Free10X RewardsUPI Linked
10X reward points on partner platforms like Amazon and Swiggy
Works on UPI — no separate setup needed
1% fuel surcharge waiver across petrol pumps
HDFC Bank
RuPay
Millennia RuPay
•••• •••• •••• 4421
Visa
HDFC Bank
HDFC Millennia RuPay Card
Lifetime Free5% CashbackShopping
5% cashback on Amazon, Flipkart and popular shopping apps
UPI spends also earn reward points
Flat 1% cashback on everything else you buy
PNB
RuPay
Pride Select RuPay
•••• •••• •••• 2288
Visa
Punjab National Bank
PNB RuPay Select Card
Low FeeLounge AccessRewards
Free access to domestic airport lounges on travel days
2 reward points for every ₹100 you spend
Fuel surcharge waiver at HPCL stations
IDFC FIRST
RuPay
Millennia
•••• •••• •••• 8823
VISA
IDFC FIRST Bank
IDFC FIRST Millennia RuPay Card
Lifetime Free10X RewardsNo Late Fee
10X points on monthly spends crossing ₹20,000
Zero late payment fee — only card in India to offer this
4 railway lounge visits free every quarter
Axis Bank
RuPay
ACE RuPay
•••• •••• •••• 6612
VISA
Axis Bank
Axis Bank ACE RuPay Card
Lifetime Free2% CashbackUPI Linked
2% flat cashback on every purchase — no cap
Bill payments and recharges via UPI earn 5% back
Fuel surcharge waiver at all petrol pumps in India
Kotak Bank
RuPay
811 RuPay
•••• •••• •••• 3344
VISA
Kotak Mahindra Bank
Kotak 811 RuPay Credit Card
Lifetime FreeEasy ApprovalUPI Ready
No income documents needed — good first card for beginners
Pairs with UPI for instant digital payments
1% cashback on online transactions
Bank of Baroda
RuPay
Premier RuPay
•••• •••• •••• 5566
VISA
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 transactions
Canara Bank
RuPay
Select RuPay
•••• •••• •••• 7791
VISA
Canara Bank
Canara RuPay Select Card
Low FeeEveryday UseUPI Linked
Reward points on every transaction you make
UPI-linked for daily digital payments
1% fuel surcharge waiver at petrol pumps
IndusInd Bank
RuPay
Nexxt RuPay
•••• •••• •••• 4477
VISA
IndusInd Bank
IndusInd Nexxt RuPay Card
RewardsPremiumUPI Linked
Pick your own reward categories — they refresh every quarter
Two free lounge visits per quarter
Annual fee drops to zero if you spend ₹75,000 in a year
Card Guide
Types of Credit Cards in India
Knowing what each type does helps you pick one that actually gives you value for how you spend.
Cashback Cards
A part of what you spend comes back as cash on your bill. No points to manage, no portals to log into.
Travel Cards
Earn air miles, get lounge access and travel insurance. Good for people who fly or travel regularly.
Shopping Cards
Extra rewards on Amazon, Flipkart or Myntra. If you shop online regularly, this type pays off fast.
Premium Cards
Golf, concierge, fine dining discounts and higher rewards. 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.
Rewards Cards
Points pile up on every rupee spent. Redeem for vouchers, flights or statement credit.
Student Cards
No income proof needed. A good way for students and first-time users to start building a credit history.
Business Cards
Separate business and personal spends. Higher limits, expense tracking and GST invoice support.
Co-branded Cards
Bank and brand tie-ups — Flipkart, Amazon, MakeMyTrip. Earn brand-specific rewards faster than with a regular 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 benefits without paying anything every year to keep the card active.
RuPay Cards
India's own payment network. Works on UPI, zero forex charges, accepted at crores of shops across India.
Best Lifetime Credit Card
Top Lifetime Free Cards in India
Zero annual fee, strong benefits — pick the bank whose card fits your lifestyle.
SBI Card
•••• •••• •••• 7730
SIMPLYCLICKS CARD
VISA
SBI Card
SBI SimplyCLICK
Credit Card
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.
Lifetime FreeOnline Shopping10X Rewards
- 10X reward points on Amazon, Swiggy, Cleartrip & partner sites
- 5X rewards on all other online purchases
- ₹500 Amazon gift card when you activate the card
- Annual fee waived if you spend ₹1 lakh in the year
- 1% fuel surcharge waiver, capped at ₹100 per month
Annual Fee: ₹0 – Lifetime Free
HDFC Bank
•••• •••• •••• 4421
MILLENNIA CARD
Visa
HDFC Bank
HDFC Millennia
Credit Card
Credit Card
Good for people who shop on Flipkart, Amazon and Myntra. The 5% cashback on these apps is useful day to day.
Lifetime FreeCashback5% on Apps
- 5% cashback on Amazon, Flipkart, Myntra & 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 when you activate the card
Annual Fee: ₹0 – Lifetime Free
Axis Bank
•••• •••• •••• 9910
ACE CARD
VISA
Axis Bank
Axis Bank ACE
Credit Card
Credit Card
One of the simplest cashback cards. 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 & Ola orders
- 2% cashback on all other spends — no cap
- 1% fuel surcharge waiver at petrol stations across India
- No foreign transaction fee
Annual Fee: ₹0 – Lifetime Free
Yes Bank
•••• •••• •••• 3312
YES PROSPERITY CARD
VISA
Yes Bank
Yes Prosperity
Rewards+ Card
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 FreeRewardsDining Benefits
- 6 reward points for every ₹200 spent on dining & travel
- 3 reward points per ₹200 on all other categories
- 2 free lounge visits per quarter for domestic trips
- Fuel surcharge waiver of up to ₹200 per month
- Welcome vouchers worth ₹500 on first transaction
Annual Fee: ₹0 – Lifetime Free
HSBC Bank
•••• •••• •••• 5580
VISA CASHBACK CARD
VISA
HSBC Bank
HSBC Visa
Cashback Card
Cashback Card
Very simple to use. 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 & BookMyShow (capped)
- No annual fee, no spend threshold to meet
- Contactless payments with no foreign markup
Annual Fee: ₹0 – Lifetime Free
AU Small Finance
•••• •••• •••• 6641
LIT CARD
VISA
AU Small Finance Bank
AU Bank LIT
Credit Card
Credit Card
Unlike any other card in India. You choose which benefits to turn on each month so you're not paying for things you don't use.
Lifetime FreeCustomizableChoose Benefits
- Pick only the perks you want each month and pay just for those
- Options include lounge access, OTT subscriptions and cashback
- 5% cashback on utility bill payments
- Reward points never expire
- Zero joining fee and zero annual fee
Annual Fee: ₹0 – Lifetime Free
IDFC FIRST Bank
•••• •••• •••• 8823
MILLENNIA CARD
VISA
IDFC FIRST Bank
IDFC FIRST Millennia
Credit Card
Credit Card
A solid first card. No annual fee, no late payment charges — two things that matter when you're just getting started with credit cards.
Lifetime Free10X RewardsNo Late Fee
- 10X reward points when monthly spend crosses ₹20,000
- 3X rewards on everything else
- Cash withdrawals interest-free for up to 48 days
- No late payment fee — only card in India to offer this
- 4 free railway lounge visits per quarter
Annual Fee: ₹0 – Lifetime Free
Smart Guide
How to Choose the Best Credit Card
The right card saves you money every year. Here's how to pick one that actually works for you.
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 give you more value than one with a fancier name.
02
Do the benefits actually exceed the fee?
Add up the rewards you'll earn in rupees and compare that to the annual fee. If the math doesn't work out, a lifetime free card almost always wins.
03
Will you actually get approved?
Check the income requirement and your CIBIL score before applying. A 750+ score 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 wasted. Simple is 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 purely for the sign-up bonus
- Not reading how reward redemption actually works
- Letting credit utilisation climb 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 annual income above ₹2–3 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 redemption steps.
Yes, but only a little and only for a short time. Every formal application triggers a hard inquiry which can reduce your score by 5 to 10 points. It goes back up within a few months if you use the card well. Checking your eligibility through a soft inquiry tool does not affect your score.
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've been using the card regularly. If you don't want to deal with any of this, just 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 is more work. Points can also expire. Cashback never does.
For online shopping in 2026, SBI SimplyCLICK gives 10X rewards on Amazon and Cleartrip. The ICICI Amazon Pay Card gives 5% back on Amazon for Prime members. Axis Flipkart Card gives 5% on Flipkart and 4% on Myntra. Pick based on which platforms you actually shop on.
Yes, completely safe when done through official bank websites or trusted platforms. We don't store your financial data. When you apply, you're taken directly to the bank's secure page with 256-bit encryption.
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