Best Credit Cards in India
Compare 110+ credit cards. Filter by rewards, fees, and network. Ranked by real outcomes — not what pays us most.
Compare Cards (109 found)
HDFC Swiggy Credit Card
The HDFC Swiggy card offers 10% cashback on Swiggy orders, 5% on online dining platforms, and 1% on all other spends. Lifetime free with no annual fee — perfect for food lovers who order frequently.
Axis Bank Flipkart Credit Card
Earn 5% unlimited cashback on Flipkart and Myntra, 4% on select partners, and 1.5% on all other spends. Lifetime free. Best card for frequent Flipkart shoppers.
SimplyCLICK SBI Card
The best credit card for online shopping from SBI — earn 10x reward points on all e-commerce platforms including Amazon, Flipkart, and more. Welcome Amazon Gift Card included.
Amazon Pay ICICI Credit Card
India's most popular co-branded credit card offering 5% unlimited cashback on Amazon.in, 2% on Amazon Pay partners, and 1% on all other spends — with zero annual fee for life.
IDFC FIRST Select Credit Card
Lifetime free card offering 3X on all online spends, 10X on select partner brands, and complimentary railway lounge access. Best free card from IDFC with strong online rewards.
Scapia Federal Bank Credit Card
Scapia is a disruptive lifetime free travel card offering flat 10% cashback on flight bookings via Scapia app, unlimited international lounge access via Dreamfolks, and zero forex markup. Best free travel card in India 2026.
What changed. What it means.
- Offer·22 Apr 2026·Ends 15 May 2026
Applies to new-to-HDFC applicants only. Second year fee (₹1,000) waived on ₹1 lakh annual spend.
Source: HDFC Bank release
- Policy·19 Apr 2026
Merchants can't charge MDR on UPI credit card transactions below ₹2,000 — affects cashback accrual on small-ticket spends.
Source: RBI circular DPSS.CO.PD.No.1234
- Rate Change·17 Apr 2026
BPCL co-branded card now 13X points on fuel (was 10X). Effective all purchases after 15 April 2026.
- News·15 Apr 2026
Previously unlimited lounge visits. Existing card-holders grandfathered until renewal — new applicants capped immediately.
Source: Axis Bank T&Cs update
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Regulated by Reserve Bank of India.
Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.
Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.
InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.