Compare real reward rates, fee waiver milestones, and airport lounge access across hundreds of Indian credit cards. Rankings are editorially independent and are not pay-to-place.
Or explore all 350+ indexed credit cards across 25+ Indian issuers.
Structured research utilities to evaluate cards, calculate savings, and check airport lounge access.
Personalized card recommendations tailored to your monthly spending.
Estimate annual net reward savings across cashback, points, and air miles.
Side-by-side fee, reward multipliers, and waiver condition matrix.
Check airport terminal access, card eligibility, and quarterly spend hurdles.
Explore the latest credit cards introduced by Indian banks with updated 2026 fee terms
Best for: Zero Forex Markup, Travel Bookings & RuPay UPI
Rewards: 10% Scapia Coins on general spends (2% value), 20% on Scapia travel (4% value), 5% on RuPay UPI ₹500+ (1% value)
Last verified 12 Oct 2026
Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge: 32 Domestic visits/year + Unlimited International
Renewal fee waived on ₹12,00,000 annual spend
Last verified 3 Oct 2026
Best for: Frequent domestic fliers, fine dining enthusiasts, movie lovers, and premium lifestyle spenders
Rewards: 10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International
Lounge: 16 Domestic + 4 International visits/year
Renewal fee waived on ₹6,00,000 annual spend
Last verified 3 Oct 2026
Cards that return part of your spending as cashback.
16 cards available
Credit cards with travel, flight and hotel benefits.
144 cards available
Cards that earn reward points on everyday spending.
52 cards available
Cards offering rewards and savings on fuel spends.
20 cards available
Credit cards with no annual membership fee.
10 cards available
Premium cards with high-end travel and lifestyle benefits.
14 cards available
Cards designed for business and professional expenses.
7 cards available
Cards rewarding online and offline shopping.
233 cards available
Search participating terminals, verify credit card eligibility, and check quarterly spend hurdles before you fly.
Flying soon? Check which credit cards already in your wallet get complimentary access across 154 airports and 114 lounges in India.
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Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge: Unlimited Domestic & International
Check where this card gets lounge accessRenewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers
Rewards: 4 Reward Points per ₹150 spent
Lounge: 12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)
Check where this card gets lounge accessRenewal fee waived on ₹4,00,000 annual spend
Last verified 2 Oct 2026
Best for: Frequent Flyers, Hotel Loyalty Maximizers & High Spenders seeking Air Miles Transfers
Rewards: 5 EDGE Miles/₹100 on airlines/hotels, 2 EDGE Miles/₹100 on other retail
Lounge: 8 Domestic + 4 International visits/year
Check where this card gets lounge accessLast verified 2 Oct 2026
Maximized cashback and rewards on online merchants, groceries, and retail spend
Best for: Online Shoppers, Direct Statement Cashback Seekers & E-Commerce Power Users
Rewards: 5% online shopping cashback (up to ₹2,000/cycle), 1% offline cashback (total combined cap ₹4,000/cycle)
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
Rewards: 5% on 10 online merchants, 1% on other spends
Lounge: 4 Domestic visits/year · ₹1L quarterly spend required
Renewal fee waived on ₹1,00,000 annual spend
Last verified 16 Sept 2026
Best for: Amazon Prime subscribers, everyday online shoppers, and utility bill payers seeking unconditional zero-annual-fee rewards without minimum redemption hurdles.
Rewards: 5% for Prime on Amazon, 3% for non-Prime, 2% on bills, 1% elsewhere
Last verified 3 Oct 2026
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We prioritize official issuer sources, including MITCs, fee schedules, product pages and program terms.
All card summaries display timestamped verification dates so you can confirm exactly when terms were last audited.
We distinguish domestic terminal access from international Priority Pass quotas, itemizing spend hurdles for complete clarity.
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In-depth strategies to optimize rewards, avoid hidden fees, and choose the best card
If I were flying out of India next week, I would not try to find one “perfect” international travel credit card. I would carry three: one for zero forex, one for lounges and rewards, and one as a network backup.
HDFC Regalia Gold spent years as one of HDFC Bank's easiest premium cards to justify. After reward reductions, spend-gated lounges, and Boarding Edge, we calculate real returns from ₹3L to ₹7.5L spend.
Google is completely reworking the Flex rewards programme from October 16, 2026. Google One members can earn up to 3.2% back in Stars, with food, utility, and recharge bonuses. Here is the complete math at ₹5,000–₹30,000 monthly spend compared against Kiwi, Tata Neu Infinity, and Pixel Play.
Everything you need to know about comparing, choosing, and applying for credit cards in India
