Best Credit Cards in India — Compare & Apply Online

★ Popular RuPay

SBM Bank · Credit Card

SBM ZET Credit Card

Lifetime-free credit card against a ₹2,000 FD — your money stays yours and earns up to 7% interest

Lifetime free — zero joining fee, zero annual fee
Backed by an FD starting at just ₹2,000 — the money stays yours and keeps earning up to 7% interest
Builds your credit score to 750+ with regular on-time use

Joining Nil — lifetime free Annual Nil — lifetime free

View & Apply Best for Building a 750+ credit score

★ Popular Visa + RuPay

Federal Bank · Credit Card

Scapia Federal Bank Credit Card

Lifetime-free travel card with zero forex markup on every international spend

Zero forex markup on all spends abroad — save up to 3.5% on every international transaction
Zero joining fee and zero annual fee, forever
Unlimited domestic airport lounge access (unlocks on ₹20,000 combined monthly spend)

Joining Nil — lifetime free Annual Nil — lifetime free

View & Apply Best for International travel & spends

★ Popular

IDFC FIRST Bank · Credit Card

IDFC FIRST Bank Credit Card

Lifetime-free range of credit cards — the bank matches the best variant to your profile

Lifetime-free variants with no joining or annual fee — FIRST Classic, FIRST Millennia and FIRST WOW!
UPI-ready RuPay options — pay by scan from any UPI app
Zero-forex variants (like FIRST WOW!) for international spends

Joining Nil on lifetime-free variants Annual Nil on lifetime-free variants

View & Apply Best for A first lifetime-free card

★ Popular

Axis Bank · Credit Card

Flipkart Axis Bank Credit Card

The co-branded Flipkart card — first year free under the current limited-period offer

Joining fee Nil under the current limited-period offer — first year free
Annual fee waived on ₹3.5 lakh yearly spends (rent and wallet loads excluded)
1% fuel surcharge waiver on ₹400–₹4,000 fuel transactions (up to ₹400 per statement cycle)

Joining Nil (limited-period offer) Annual ₹500 from 2nd year (waived on ₹3.5L spend in a year)

View & Apply Best for Flipkart & Myntra shoppers

★ Popular Visa

ICICI Bank · Credit Card

Amazon Pay ICICI Credit Card

Lifetime free · up to 5% back on Amazon

5% back for Prime members on Amazon
3% back for non-Prime on Amazon
2% back on 100+ Amazon Pay partners

Joining Lifetime FREE Annual Lifetime FREE

View & Apply Best for Amazon shoppers

Visa

Axis Bank · Credit Card

Axis Bank ACE Credit Card

5% cashback on bill payments & 4% on Swiggy/Zomato/Ola

5% cashback on Google Pay bill payments & recharges
4% cashback on Swiggy, Zomato & Ola
2% cashback on all other spends

Joining ₹499 + GST Annual ₹499 + GST (waived on ₹2L spend)

View & Apply Best for Bills, food & cabs

RuPay

SBM Bank · Credit Card

SBM novio Credit Card

FD-backed, lifetime-free UPI credit card — assured approval with a fixed deposit from ₹2,000

Lifetime free — no joining or annual fee
Backed by an FD from ₹2,000 up to ₹5 lakh — the deposit stays yours and earns up to 7% interest
Credit limit of 90% of your FD amount

Joining Nil — lifetime free Annual Nil — lifetime free

View & Apply Best for Building credit, no income proof

RuPay

YES Bank · Credit Card

YES Bank Zagg RuPay Credit Card

Lifetime-free RuPay card with UPI payments, lounge access and a limit up to ₹5 lakh

No joining fee and no annual fee — lifetime free
RuPay network — link to any UPI app and scan & pay anywhere
Credit limit up to ₹5 lakh

Joining Nil — lifetime free Annual Nil — lifetime free

View & Apply Best for Lifetime-free UPI card

RuPay

Axis Bank · Credit Card

Axis Bank NEO RuPay Credit Card

Entry-level RuPay credit card you can link to UPI and use everywhere you scan & pay

RuPay network — link it to any UPI app and pay by scanning QR codes
Issued lifetime free through select application channels, including online offers
Free add-on cards with no joining or annual fee

Joining ₹250 (issued lifetime free via select channels) Annual 1st year Nil; ₹250 from 2nd year (lifetime free via select channels)

View & Apply Best for UPI payments on credit

Visa

HDFC Bank · Credit Card

HDFC Regalia Gold Credit Card

Premium rewards, lounge access & travel benefits

4 reward points per ₹150 spent
5X points on Nykaa, Myntra, Marriott, Reliance Digital
12 domestic + 6 international lounge visits/year

Joining ₹2,500 + GST Annual ₹2,500 + GST (waived on ₹4L spend)

View & Apply Best for Travel & premium lifestyle

Amex

Amex · Credit Card

American Express Membership Rewards Card

Bonus reward points & premium service

1,000 bonus points monthly on 4 transactions of ₹1,500+
18-24k bonus points on annual milestones
Reward Multiplier portal for extra points

Joining ₹1,000 (first year) Annual ₹4,500 + GST

View & Apply Best for Reward points collectors

Visa / RuPay

HDFC Bank · Credit Card

HDFC Bank PIXEL Play Credit Card

HDFC's digital-first card — apply, customise and manage everything from the PayZapp app

Choose your network — Visa, RuPay, or both under a single statement
RuPay variant links to UPI for scan & pay from any UPI app
Build your own card: pick the card colour, billing date and merchant partners

Joining ₹500 + GST (waived on ₹20,000 spend in first 90 days) Annual ₹500 + GST (waived on ₹1 lakh spend in a year)

View & Apply Best for A fully digital HDFC card

Visa / RuPay

HDFC Bank · Credit Card

HDFC Bank PIXEL Go Credit Card

The entry-level PIXEL — a low-fee digital credit card managed fully from PayZapp

Low ₹250 fee, waived every year on just ₹50,000 annual spend
Digital-first — apply, activate and manage the card entirely in the PayZapp app
RuPay option links to UPI for scan & pay

Joining ₹250 + GST Annual ₹250 + GST (waived on ₹50,000 spend in a year)

View & Apply Best for First digital credit card

RuPay

Kotak Bank · Credit Card

Kotak 811 #DreamDifferent Credit Card

Lifetime free entry-level card with reward points

Lifetime free, no annual fee
2 reward points per ₹100 spent
2X points on all online spends

Joining Lifetime FREE Annual Lifetime FREE

View & Apply Best for First-time card users

Kotak Mahindra Bank · Credit Card

Kotak League Platinum Credit Card

Low-fee everyday card with fuel & railway surcharge waivers and priority assistance

Annual fee waived on just ₹50,000 of yearly retail spends
1% fuel surcharge waiver on ₹500–₹4,000 transactions, up to ₹3,500 a year
Railway surcharge waiver of up to ₹500 a year on ticket bookings

Joining ₹499 + GST (Nil variant via select channels) Annual ₹499 + GST (waived on ₹50,000 retail spend in a year)

View & Apply Best for Everyday spends at a low fee

Visa / Mastercard

BOBCARD · Credit Card

BOBCARD Eterna Credit Card

Bank of Baroda's premium lifestyle card — unlimited domestic lounge access and a low 2% forex markup

Unlimited complimentary domestic airport lounge access (on min ₹40,000 spend in the preceding quarter)
Reduced forex markup of 2% on international spends — great for travel abroad
Buy-one-get-one movie tickets on District, up to ₹250 per month

Joining ₹2,499 + GST (waived on ₹25,000 spend in first 60 days) Annual ₹2,499 + GST (waived on ₹2.5L spend in a year)

View & Apply Best for Premium travel & lifestyle

Visa

IndusInd Bank · Credit Card

IndusInd Bank Tiger Credit Card

Lifetime-free card with lounge access, golf and movie treats.

Lifetime free — no joining or annual fee
2 complimentary domestic lounge visits every quarter, plus 2 international lounge visits a year via Priority Pass
1 complimentary golf game or lesson every quarter

Joining Nil — lifetime free Annual Nil — lifetime free

View & Apply Best for lifetime-free travel & lifestyle perks

American Express

Axis Bank · Credit Card

Axis Bank Privilege Credit Card (American Express)

The Privilege experience on the American Express network.

Issued on the American Express network with its global acceptance and service
Activation benefit: shopping or travel vouchers worth ₹5,000
2 complimentary domestic airport lounge visits every quarter

Joining ₹1,500 + GST Annual ₹1,500 + GST (waived on ₹5L annual spends)

View & Apply Best for premium lifestyle on Amex

Mastercard / RuPay

BOBCARD (Bank of Baroda) · Credit Card

BOBCARD CashBack Credit Card

Pick your fee plan — ₹49 a month or ₹499 a year.

Flexible fee: choose a ₹49 + GST monthly plan or ₹499 + GST annual plan
1% fuel surcharge waiver on ₹400–₹5,000 transactions (up to ₹250 per statement cycle)
Convert purchases above ₹2,500 into Smart EMIs of 6–48 months

Joining ₹499 + GST a year, or ₹49 + GST monthly Annual ₹499 + GST a year, or ₹49 + GST monthly (choose either)

View & Apply Best for flexible low-fee everyday use

RuPay

HDFC Bank · Credit Card

HDFC Bank UPI RuPay Credit Card

A virtual credit card built for UPI — scan and pay everywhere.

Virtual card issued instantly — no plastic to wait for
Link it to any UPI app and pay by scan at any UPI QR
Renewal fee waived on just ₹25,000 spends in a year

Joining ₹99 + taxes Annual ₹99 + taxes (waived on ₹25,000 annual spends)

View & Apply Best for UPI payments on credit

RuPay

Axis Bank · Credit Card

Axis Bank MY ZONE Credit Card

An entry-level card for everyday spends and entertainment.

Annual fee waived on ₹1.5 lakh spends in a card anniversary year
1% fuel surcharge waiver on all fuel transactions in India
RuPay variant links to UPI apps for scan-and-pay

Joining ₹500 Annual ₹500 (waived on ₹1.5L annual spends)

View & Apply Best for first-time card users

Visa

Axis Bank · Credit Card

Axis Bank Privilege Credit Card

Premium privileges with vouchers, lounges and big insurance cover.

Activation benefit: shopping or travel vouchers worth ₹5,000
2 complimentary domestic airport lounge visits every quarter
Annual fee waived on ₹5 lakh spends in a card anniversary year

Joining ₹1,500 + GST Annual ₹1,500 + GST (waived on ₹5L annual spends)

View & Apply Best for premium lifestyle benefits

RuPay

IDFC FIRST Bank · Credit Card

IDFC FIRST Power+ Credit Card

The HPCL fuel card that also covers lounges and movies.

Big savings on HPCL fuel and everyday categories like grocery and FASTag
1 complimentary domestic airport lounge visit per quarter (on ₹20,000 monthly spends)
Complimentary Roadside Assistance worth ₹1,399

Joining ₹499 + GST Annual ₹499 + GST (reversed on ₹1.5L annual spends)

View & Apply Best for fuel savings + travel

Visa

Axis Bank · Credit Card

Axis Bank CASHBACK Credit Card

A straightforward card for heavy online spenders.

Annual fee waived on ₹4 lakh spends in an anniversary year
Welcome benefit on your first transaction within 30 days of issuance
Dining offers at top restaurants across India

Joining ₹1,000 + GST Annual ₹1,000 + GST (waived on ₹4L annual spends)

View & Apply Best for regular online shoppers

Visa

IDFC FIRST Bank · Credit Card

IDFC FIRST Mayura Metal Credit Card

A metal card with zero forex markup and global lounge access.

Premium metal card with a design inspired by Indian heritage
0% foreign exchange markup on international transactions
Complimentary global airport lounge access

Joining ₹5,999 + GST Annual ₹5,999 + GST (2nd year onwards)

View & Apply Best for international travel in style

Visa

SBI Card · Credit Card

SimplyCLICK SBI Card

The online-shopping starter card from SBI Card.

Welcome e-gift voucher worth ₹500 (Amazon) on fee payment
e-Vouchers worth ₹2,000 each on ₹1 lakh and ₹2 lakh annual online spends
Annual fee reversed on ₹1 lakh spends in a year

Joining ₹499 + taxes Annual ₹499 + taxes (reversed on ₹1L annual spends)

View & Apply Best for online shopping on a budget

Visa / Mastercard

SBI Card · Credit Card

SBI Card ELITE

SBI Card's flagship lifestyle card with lounges and movie benefits.

Welcome e-gift voucher worth ₹5,000 from top brands
Free movie tickets worth ₹6,000 every year
Complimentary Priority Pass membership with 6 international lounge visits a year

Joining ₹4,999 + taxes Annual ₹4,999 + taxes

View & Apply Best for premium lifestyle & travel

Visa

SBI Card · Credit Card

CashBack SBI Card

SBI Card's no-fuss card for online-first spenders.

Renewal fee reversed on ₹2 lakh spends in a year
No merchant restrictions on online spends
1% fuel surcharge waiver on ₹500–₹3,000 transactions (up to ₹100 per cycle)

Joining ₹999 + taxes Annual ₹999 + taxes (reversed on ₹2L annual spends)

View & Apply Best for online-first everyday spends

Visa

Axis Bank · Credit Card

Axis Bank REWARDS Credit Card

Everyday card with lounge visits and shopping memberships.

2 complimentary domestic airport lounge visits every quarter
Bouquet of shopping memberships worth up to ₹1,000 every anniversary year
₹150 instant discount on Swiggy, twice a month

Joining ₹1,000 + GST Annual ₹1,000 + GST

View & Apply Best for everyday spends with lounge access

Diners Club

HDFC Bank · Credit Card

Marriott Bonvoy HDFC Bank Credit Card

India's first Marriott co-brand card — hotel nights and lounges.

Complimentary hotel night award on eligible annual spends of ₹6L, ₹9L and ₹15L
12 complimentary airport lounge visits within India every year
Complimentary international lounge visits outside India each year

Joining ₹3,000 + taxes Annual ₹3,000 + taxes

View & Apply Best for hotel stays & travel

Visa

SBI Card · Credit Card

Flipkart SBI Card

The Flipkart co-brand card from SBI Card.

Welcome Flipkart gift voucher worth ₹250 on fee realisation
Additional welcome benefit worth ₹1,000 on your first Flipkart transaction
Renewal fee reversed on ₹3.5 lakh spends in a year

Joining ₹500 + taxes Annual ₹500 + taxes (reversed on ₹3.5L annual spends)

View & Apply Best for Flipkart & Myntra shoppers

Visa / Mastercard / RuPay

SBI Card · Credit Card

SimplySAVE SBI Card

SBI Card's everyday card for dining, movies and grocery runs.

Annual fee reversed on ₹1 lakh spends in a year
Made for everyday categories — dining, movies, departmental stores and grocery
1% fuel surcharge waiver on ₹500–₹3,000 transactions (up to ₹100 per cycle)

Joining ₹499 + taxes Annual ₹499 + taxes (reversed on ₹1L annual spends)

View & Apply Best for daily offline spends

Mastercard

HDFC Bank · Credit Card

Swiggy Ornge HDFC Bank Credit Card

The Swiggy co-brand card for food-delivery regulars.

Complimentary 3-month Swiggy One membership on card activation within 30 days
Renewal fee waived on ₹1.5 lakh spends in a year
Savings across Swiggy food ordering, Instamart and Dineout

Joining ₹500 + taxes Annual ₹500 + taxes (waived on ₹1.5L annual spends)

View & Apply Best for Swiggy & dining regulars

Mastercard

IDFC FIRST Bank · Credit Card

IDFC FIRST WOW! Black Credit Card

The FD-backed premium card — no income proof, zero forex.

Secured against your fixed deposit — no income documents needed
0% foreign exchange markup on international transactions
1 complimentary domestic airport lounge visit per quarter (on ₹20,000 monthly spends)

Joining ₹750 + GST Annual ₹750 + GST (waived on ₹1.5L annual spends)

View & Apply Best for FD-backed premium perks

RuPay

HDFC Bank · Credit Card

IRCTC HDFC Bank Credit Card

The train-traveller's card — IRCTC lounges and booking savings.

Complimentary access to select IRCTC executive lounges
1% transaction-charge waiver on IRCTC website and Rail Connect app bookings
Renewal fee waived on ₹1.5 lakh spends in a year

Joining ₹500 + taxes Annual ₹500 + taxes (waived on ₹1.5L annual spends)

View & Apply Best for frequent train travellers

Visa

HDFC Bank · Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank's most popular card for online-first millennials.

Quarterly milestone: ₹1,000 gift voucher or 1 domestic lounge visit on ₹1 lakh quarterly spends
Annual fee waived on spends over ₹1 lakh a year
10% additional discount on Swiggy Dineout

Joining ₹1,000 + taxes Annual ₹1,000 + taxes (waived on ₹1L annual spends)

View & Apply Best for online shopping & everyday spends

Visa / RuPay

Kotak Mahindra Bank · Credit Card

Kotak Cashback+ Credit Card

Kotak's new-generation card for online grocery, food and fun.

Annual fee waived on ₹2 lakh retail spends in a year
1% fuel surcharge waiver on ₹500–₹4,000 transactions (up to ₹3,500 a year)
RuPay variant links to UPI apps for scan-and-pay

Joining ₹750 + GST Annual ₹750 + GST (waived on ₹2L annual retail spends)

View & Apply Best for online grocery & food delivery

Visa / Mastercard / RuPay

RBL Bank · Credit Card

RBL Bank ShopRite Credit Card

A low-fee card built around groceries and movies.

Annual fee waived on purchases of ₹1.5 lakh in a membership year
10% discount on movie tickets at BookMyShow
1% fuel surcharge waiver on ₹500–₹4,000 fuel purchases (up to ₹100 a month)

Joining ₹500 + GST Annual ₹500 + GST (waived on ₹1.5L annual spends)

View & Apply Best for grocery & movie spends

Visa / RuPay

HDFC Bank · Credit Card

Tata Neu Infinity HDFC Bank Credit Card

The Tata ecosystem card — NeuCoins on brands you already use.

Renewal fee waived on ₹3 lakh spends in a year
2 complimentary domestic lounge vouchers per quarter on ₹50,000 quarterly spends (up to 8 a year)
RuPay variant links to UPI apps for scan-and-pay

Joining ₹1,499 + taxes Annual ₹1,499 + taxes (waived on ₹3L annual spends)

View & Apply Best for Tata brands & UPI spends

Visa

IDFC FIRST Bank · Credit Card

IDFC FIRST WOW! Credit Card

Lifetime-free FD-backed card with zero forex markup.

Lifetime free — no joining or annual fee, secured against your fixed deposit
No income proof or credit history needed
0% foreign exchange markup on international transactions

Joining Nil — lifetime free Annual Nil — lifetime free

View & Apply Best for credit without income proof

RuPay

HDFC Bank · Credit Card

Shoppers Stop HDFC Bank Credit Card

The department-store card with a tiny ₹299 fee.

Welcome benefit: Shoppers Stop voucher worth ₹500
Complimentary Shoppers Stop Silver Edge membership worth ₹350
1% fuel surcharge waiver (up to ₹250 per statement cycle)

Joining ₹299 + taxes Annual ₹299 + taxes

View & Apply Best for Shoppers Stop regulars

Visa / RuPay

SBI Card · Credit Card

BPCL SBI Card

The fuel card for BPCL pumps — savings on every refuel.

1% fuel surcharge waiver on every BPCL transaction up to ₹4,000
Annual fee reversed on ₹1 lakh spends in a year
Extra value back on fuel purchases at BPCL petrol pumps

Joining ₹499 + taxes Annual ₹499 + taxes (reversed on ₹1L annual spends)

View & Apply Best for fuel spends at BPCL

Visa / Mastercard

SBI Card · Credit Card

SBI Card MILES

Turn everyday spends into travel with SBI Card MILES.

Complimentary domestic airport lounge visits every year
1 additional lounge visit for every ₹1 lakh spent, over and above complimentary visits
Annual fee reversed on ₹6 lakh spends in a year

Joining ₹1,499 + taxes Annual ₹1,499 + taxes (reversed on ₹6L annual spends)

View & Apply Best for frequent flyers

Visa / RuPay

AU Small Finance Bank · Credit Card

AU Small Finance Bank Altura Plus Credit Card

Everyday card with railway lounge access and device protection.

First-year fee waived on ₹20,000 retail spends within 90 days of setup
Renewal fee waived on ₹80,000 retail spends in the previous year
8 complimentary railway lounge visits every year

Joining ₹499 + GST (waived on ₹20,000 spends in 90 days) Annual ₹499 + GST (waived on ₹80,000 annual spends)

View & Apply Best for everyday spends with easy fee waivers

RuPay

SBI Card · Credit Card

IRCTC SBI Card (RuPay)

The railway co-brand card — lounge access on platforms, savings on tickets.

4 complimentary railway lounge visits a year (1 per quarter)
Savings on train ticket bookings via IRCTC website and app
1% fuel surcharge waiver on ₹500–₹3,000 transactions

Joining ₹500 + taxes Annual ₹500 + taxes

View & Apply Best for railway bookings & travel

RuPay

Axis Bank · Credit Card

Airtel Axis Bank Credit Card

Made for Airtel users — savings on recharges and bills.

Big savings on Airtel mobile, broadband, WiFi and DTH bill payments via Airtel Thanks
Annual fee waived on annual spends above ₹2 lakh
1% fuel surcharge waiver on ₹400–₹4,000 transactions (up to ₹500 per cycle)

Joining ₹500 Annual ₹500 (waived on ₹2L annual spends)

View & Apply Best for Airtel bills & recharges

Visa

Axis Bank · Credit Card

LIC Axis Bank Signature Credit Card

The lifetime-free LIC co-brand card with lounge access.

Lifetime free — nil joining and annual fee
Complimentary domestic airport lounge access
Benefits on LIC premium payments and international spends

Joining Nil — lifetime free Annual Nil — lifetime free

View & Apply Best for LIC premium payments

RuPay

IDFC FIRST Bank · Credit Card

IDFC FIRST Power Credit Card

Entry-level HPCL fuel card with a tiny ₹199 fee.

Savings on HPCL fuel plus grocery and utility spends
Annual fee waived on just ₹50,000 spends in a year
Low ₹199 + GST joining fee — easy entry to a fuel card

Joining ₹199 + GST Annual ₹199 + GST (waived on ₹50,000 annual spends)

View & Apply Best for budget fuel savings

Visa

Axis Bank · Credit Card

Axis Bank Magnus Credit Card

Axis Bank's super-premium card for big spenders and flyers.

Unlimited complimentary international lounge visits via Priority Pass, plus 4 guest visits a year
Annual fee waived on ₹25 lakh spends in the preceding year
Reduced 2% markup fee on foreign currency transactions

Joining ₹12,500 + taxes Annual ₹12,500 + taxes (waived on ₹25L annual spends)

View & Apply Best for super-premium travel

Visa

AU Small Finance Bank · Credit Card

AU Small Finance Bank LIT Credit Card

India's first customisable card — switch features on when you need them.

India's first customisable credit card — choose features as per your lifestyle
No fixed joining or annual fee; pay per feature, starting ₹49 per quarter
Switch features on and off whenever you need them

Joining Nil Annual Nil (pay only for features you switch on, from ₹49 per quarter)

View & Apply Best for pay-per-feature flexibility

RuPay

Axis Bank · Credit Card

IndianOil Axis Bank RuPay Credit Card

The IOCL fuel card that also works on UPI.

Extra value on fuel purchases at IndianOil outlets
RuPay card — link to any UPI app and pay by scan
First-year annual fee Nil; later waived on ₹3.5 lakh annual spends

Joining ₹500 Annual 1st year Nil; ₹500 from 2nd year (waived on ₹3.5L annual spends)

View & Apply Best for fuel spends + UPI

Best Bank Cards to Apply For