Compare credit cards from every major Indian bank. Filter by rewards, fees, and network. Ranked by real outcomes — not what pays us most.
Ranked by our methodology — what each card is best for, and why. No paid placements.
HDFC Infinia is Indias most exclusive credit card with 5X reward points, unlimited international lounge access via Priority Pass, golf privileges, and premium concierge service. Invite-only with no preset spending limit.
The Amex Platinum is Indias most prestigious card with unlimited international lounge access, Taj and Marriott elite status, ₹9 lakh+ in annual memberships, airport transfers, and concierge. The gold standard of luxury credit cards.
Axis Magnus is a super-premium card with 35X EDGE rewards on partner brands, unlimited domestic + 8 international lounge visits, meet & greet service, and complimentary golf rounds. Indias answer to Amex Platinum.
HDFC Diners Club Black is the ultimate rewards card with 5X reward points on dining, 2X on all other spends, unlimited airport lounge access, complimentary Club Marriott, and annual memberships worth ₹25,000+.
ICICI Bank's ultra-premium invite-only card with unlimited Priority Pass lounge access worldwide, Club Marriott membership, concierge services, and premium golf access.
HDFC Regalia Gold is one of Indias most popular premium cards offering 4X reward points on all spends, complimentary airport lounge access (12 per year), and milestone benefits up to ₹7,500. Annual fee waiver on ₹3 lakh annual spend.
Our top-rated cards side by side — score, annual fee, reward rate and who each is best for. Ranked by our methodology, not what pays us most.
| Credit card | Score | Annual fee | Reward rate | Best for | Apply |
|---|---|---|---|---|---|
| HDFC Infinia Credit Card | 98 | ₹12,500 | 5% | Premium | Apply → |
| American Express Platinum Card | 98 | ₹60,000 | 3% | Premium | Apply → |
| Axis Bank Magnus Credit Card | 96 | ₹12,500 | 5% | Premium | Apply → |
| HDFC Diners Club Black Credit Card | 96 | ₹10,000 | 5% | Premium | Apply → |
| ICICI Emeralde Credit Card | 96 | ₹12,499 | 4% | Premium | Apply → |
| HDFC Regalia Gold Credit Card | 94 | ₹2,500 | 4% | Premium | Apply → |
| SBI Card AURUM | 94 | ₹9,999 | 3.75% | Premium | Apply → |
| Axis Bank Atlas Credit Card | 94 | ₹5,000 | 5% | Travel | Apply → |
8 Indian-context persona hubs no other comparison site has — from AI-tool subscriptions to UPI-RuPay to NRI cards. Each hub picks 5-8 cards optimised for that audience's actual spend pattern.
See which of our 108 cards likely approve for your profile — before applying.
Built on each card's published min-income + min-CIBIL + employment gates. Issuer's actual decision uses additional signals we can't see (existing relationship, recent inquiries) — treat the count as an upper bound.
HDFC Millennia first-year fee waived through May 15
Applies to new-to-HDFC applicants only. Second year fee (₹1,000) waived on ₹1 lakh annual spend.
Source: HDFC Bank release
RBI tightens UPI-credit-card linkage rules
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
SBI raises reward-point value on BPCL fills
BPCL co-branded card now 13X points on fuel (was 10X). Effective all purchases after 15 April 2026.
Axis Magnus devalued — lounge access capped at 4/year
Previously unlimited lounge visits. Existing card-holders grandfathered until renewal — new applicants capped immediately.
Source: Axis Bank T&Cs update
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Editorial — read first
HDFC Infinia is Indias most exclusive credit card with 5X reward points, unlimited international lounge access
The Amex Platinum is Indias most prestigious card with unlimited international lounge access, Taj and Marriott
Axis Magnus is a super-premium card with 35X EDGE rewards on partner brands, unlimited domestic + 8 internatio
HDFC Diners Club Black is the ultimate rewards card with 5X reward points on dining, 2X on all other spends, u
ICICI Bank's ultra-premium invite-only card with unlimited Priority Pass lounge access worldwide, Club Marriot
HDFC Regalia Gold is one of Indias most popular premium cards offering 4X reward points on all spends, complim
SBI's flagship super-premium card with unlimited Priority Pass lounge access worldwide, 4x base reward rate, p
Axis Atlas is Indias top travel credit card offering 5X EDGE Miles on international spends, 2X on domestic tra
Editorial
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Upload your credit-card PDF / CSV. We'll categorise spends locally (zero data sent to us), then recommend the 2-card combo that'd return ₹X more / year on your actual spend pattern. Same Portfolio Optimiser math, but pre-filled with real numbers instead of estimates.
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.
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