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.
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+.
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.
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 → |
| HDFC Diners Club Black Credit Card | 96 | ₹10,000 | 5% | Premium | Apply → |
| Axis Bank Magnus Credit Card | 96 | ₹12,500 | 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 100 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
Every Friday, delivered as one email.
Get the weekly →Free, no-signup tools that quantify the credit-card decision.
Find Your Card
30-second quiz → personalised recommendation
Portfolio Optimiser
Best 2-card combo for your spend profile
Forex Markup Comparator
USD subs cost on each card · ChatGPT / AWS / Adobe
CIBIL Simulator
What-if score impact before you act
Rewards Calculator
Estimate annual rewards from your spend
EMI Calculator
Calculate card EMI for big purchases
Compare Cards
Side-by-side feature comparison
Balance Transfer
Migrate outstanding to lower APR card
Head to head
SBI Cashback vs Amazon Pay ICICI
Best no-fee cashback card for online spending
Head to head
HDFC Regalia vs Infinia
Premium travel card showdown — is 5x the fee worth it?
Head to head
Axis Ace vs HDFC Millennia
Best entry-level rewards card under ₹1,000
Head to head
Rewards vs Cashback Cards
Points or direct savings — which saves more?
Head to head
Travel vs Fuel Cards
Best card for frequent travelers vs daily commuters
Head to head
Lifetime Free vs Paid Cards
When the annual fee actually pays for itself
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
HDFC Diners Club Black is the ultimate rewards card with 5X reward points on dining, 2X on all other spends, u
Axis Magnus is a super-premium card with 35X EDGE rewards on partner brands, unlimited domestic + 8 internatio
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
Credit Cards · 22 Jul 2026
Reddit’s top-rated credit cards for 2025: HDFC Regalia Gold for travelers, Amazon Pay ICICI for cashback hunters, and Axis Magnus for premium perks. Compare fees, rewards, and eligibility to pick the right card.
By InvestingPro Credit Desk
Credit Cards · 20 Jul 2026
Compare India’s top premium credit cards for 2026 by fees, rewards, and lounge access. Find the best fit for your spending habits and travel needs.
By InvestingPro Credit Desk
Credit Cards · 19 Jul 2026
Compare the top petrol credit cards in India for 2026 to save on fuel costs. Find the best card for your spending pattern and lifestyle with detailed rewards, fees, and eligibility analysis.
By InvestingPro Credit Desk
Credit Cards · 18 Jul 2026
A new FD-backed credit card just launched with the lowest deposit requirement in the category. Here's how it stacks up against SBI, Kotak and Axis's secured cards, and who each one actually suits.
Credit Cards · 18 Jul 2026
The most common myth about Axis Magnus is that it's invite-only — it isn't. Here's the real income bar, the fee waiver threshold, and how its rewards actually work.
Credit Cards · 18 Jul 2026
AU Zenith+ asks for a far lower income than most metal super-premium cards while matching or beating them on forex and lounge access. Here's the full breakdown and how it compares.
Credit Cards · 17 Jul 2026
Compare the best credit card rewards in India for 2025, including HDFC Regalia Gold, Axis Magnus, and SBI Card PRIME. Learn how to maximize rewards, avoid traps, and choose the right card for your lifestyle.
By InvestingPro Credit Desk
Credit Cards · 12 Jul 2026
Compare India’s top 10 credit cards for 2026 by fees, rewards, and lounge access. Find the best card for travel, international spends, or budget-friendly options.
By InvestingPro Credit Desk
Credit Cards · 12 Jul 2026
Learn how credit card annual fee waivers work in India, which cards offer them, and how to maximize savings without overspending. A must-read for middle-class professionals.
By InvestingPro Credit Desk
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.
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.