Compare credit cards from every major Indian bank. Filter by rewards, fees, and network. Ranked by real outcomes — not what pays us most.
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 113 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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SBI Cashback vs Amazon Pay ICICI
Best no-fee cashback card for online spending
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HDFC Regalia vs Infinia
Premium travel card showdown — is 5x the fee worth it?
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Axis Ace vs HDFC Millennia
Best entry-level rewards card under ₹1,000
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Rewards vs Cashback Cards
Points or direct savings — which saves more?
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Travel vs Fuel Cards
Best card for frequent travelers vs daily commuters
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Lifetime Free vs Paid Cards
When the annual fee actually pays for itself
Editorial — read first
The Amex Platinum is Indias most prestigious card with unlimited international lounge access, Taj and Marriott
HDFC Infinia is Indias most exclusive credit card with 5X reward points, unlimited international lounge access
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
Axis Atlas is Indias top travel credit card offering 5X EDGE Miles on international spends, 2X on domestic tra
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
Editorial
Credit Cards · 15 May 2026
Standard Indian cards charge 3.5% forex markup + 0.5-1% network spread + GST = 4.6-5.1% on every foreign transaction. Zero-forex cards eliminate this completely. Top picks: Scapia Federal Bank (lifetime free, 10% travel reward), IDFC FIRST Wow (FD-backed, no income proof), RBL World Safari (premium ₹3,500 fee). Plus LRS/TCS implications.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
Three zero-fee co-branded credit cards specialized for India's top online shopping platforms — Swiggy, Amazon, and Flipkart. We compare reward rates, caps, and break-even spend side-by-side with real DB-sourced data. The smart play: hold all three for ₹24K+ annual cashback across the full online stack.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
Indian credit card eligibility hinges on 5 factors: age, income, CIBIL score, employment stability, and debt-to-income ratio. We break down the actual approval thresholds per card tier — from ₹15K-income entry cards to ₹3L+ invite-only super-premium — plus the top 9 reasons applications get rejected.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
Skip the 'best credit cards' lists. The right card depends on your spending pattern, income tier, and CIBIL score — in that order. We walk through a 5-step framework with break-even math, a 2-card stacking strategy, and the 6 common mistakes that cost Indian cardholders ₹10K+ per year.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
Salaried Indians get the best credit-card offers — but choosing badly leaves real money on the table. We've mapped the optimal card for every income band from ₹20K/month to ₹3L+/month, using real DB-sourced fees, reward rates, and minimum-income data. Find your match.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
Truly lifetime-free credit cards in India — zero joining fee AND zero annual fee, forever. Top picks: Scapia Federal Bank (0% forex + 10% travel), HDFC Swiggy (10% on Swiggy), Standard Chartered EaseMyTrip (12% on travel), and Axis ACE (5% on bills). With real reward rates, lounge access, and income requirements.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
Ranked by effective reward rate across fuel, travel, online shopping, and dining. India's highest-effective-reward card is BPCL SBI at 13% on fuel; Standard Chartered EaseMyTrip leads travel at 12%; HDFC Swiggy tops food delivery at 10%. We compare 13 cards across 14 spend categories with real fees and minimum income data.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
SBI Card issues India's second-largest credit-card catalog with 1.9 crore active cards. We've compared 11 of SBI's most-applied-for cards — from ₹10,000 AURUM (3.75% reward) to ₹499 SimplyCLICK (10x RPs on online merchants) — using real DB-sourced fees and reward rates. Find your match by spending category.
By InvestingPro Credit Desk
Credit Cards · 15 May 2026
HDFC Bank issues over 50 credit card variants in India. We've compared the 8 most-applied-for cards — from the ₹12,500 Infinia (premium, 5% reward rate) to the ₹0 Swiggy card (10% on Swiggy orders) — using real DB-sourced fees, reward rates, and minimum income thresholds. Find which HDFC card fits your spending pattern.
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.
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