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
Free (LTF)
Mastercard / RuPay
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
₹9,999
Mastercard
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
₹2,499
Mastercard
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
Best for: Online shoppers, weekend dining, entertainment spending, and regular card spenders
Rewards: 4 Reward Points per ₹200 on all eligible spends; 8 Reward Points per ₹200 on Grocery and Travel
Lounge: 4 Domestic + 4 International visits/year
Renewal fee waived on ₹1,00,000 annual spend
Last verified 3 Oct 2026
Best for: Entry-level cardholders, everyday household bills, local grocery shopping, and fuel savings
Rewards: 2 Reward Points per ₹200 on general spends; 4 Reward Points per ₹200 on Grocery & Apparel
Lounge: 4 Domestic visits/year
Renewal fee waived on ₹50,000 annual spend
Last verified 3 Oct 2026
₹10,000
Visa
Best for: High-spending fashion shoppers, departmental retail buyers, and luxury wardrobe curators who regularly shop across Shoppers Stop retail stores and app.
Rewards: 4 pts/Rs 200 on other retail (cap 500/mo); 15 pts/Rs 200 at Shoppers Stop (cap 1500/mo); 1 pt = Rs 1
Renewal fee waived on ₹8,00,000 annual spend
Last verified 12 Oct 2026
Cards that return part of your spending as cashback.
16 cards available
Credit cards with travel, flight and hotel benefits.
141 cards available
Cards that earn reward points on everyday spending.
48 cards available
Cards offering rewards and savings on fuel spends.
19 cards available
Credit cards with no annual membership fee.
4 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.
229 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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Know quarterly spend hurdles before you fly.
Popular Airport Hubs:
₹12,500
Visa
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
₹2,500
Mastercard / Visa
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
₹5,000
Visa
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
Free (LTF)
Mastercard / Visa
Best for: High-income earners, corporate executives, and global travelers looking for comprehensive airport lounge and golf privileges without paying recurring annual credit card maintenance fees.
Rewards: 10X on dining, travel, international & spends > ₹20,000/month; 6X on online up to ₹20,000; 3X on offline
Lounge: 4 Domestic + 4 International visits/year · ₹20k monthly spend required (Domestic)
Check where this card gets lounge accessLast verified 17 Sept 2026
₹2,999
Mastercard / Visa
Best for: Mid-to-High Spenders, Dining & Grocery Shoppers & Domestic/International Travelers
Rewards: 2 Reward Points per Rs 100 spent
Lounge: 8 Domestic + 4 International visits/year
Check where this card gets lounge accessRenewal fee waived on ₹3,00,000 annual spend
Last verified 2 Oct 2026
HDFC Bank BizBlack Metal Edition Credit Card
₹10,000
Mastercard / Visa
Best for: High-net-worth entrepreneurs, business founders, and corporate directors paying substantial advance tax, GST, vendor bills, and business travel expenses.
Rewards: 5 Reward Points per ₹150 spent (3.33% base return)
Lounge: Unlimited Domestic & International
Check where this card gets lounge accessRenewal fee waived on ₹7,50,000 annual spend
Last verified 17 Sept 2026
Maximized cashback and rewards on online merchants, groceries, and retail spend
₹999
Visa
Best for: Online Shoppers, Direct Statement Cashback Seekers & E-Commerce Power Users
Rewards: 5% online shopping cashback (up to ₹5,000/cycle), 1% offline cashback
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
₹1,000
Diners Club / Mastercard / Visa
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
Free (LTF)
Visa
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
₹500
Visa
Best for: Flipkart Ecosystem Shoppers & Regular Swiggy/Uber Users
Rewards: 5% on Flipkart, 4% on partners, 1% on other spends
Renewal fee waived on ₹3,50,000 annual spend
Last verified 2 Oct 2026
₹1,499
RuPay / Visa
Best for: Frequent shoppers across the Tata consumer ecosystem and digital spenders wanting maximum rewards on QR code merchant UPI payments.
Rewards: 1.5% NeuCoins on Non-Tata & UPI spends
Lounge: 8 Domestic + 4 International visits/year · ₹50k quarterly spend required (Domestic)
Renewal fee waived on ₹3,00,000 annual spend
Last verified 16 Sept 2026
₹499
Visa
Best for: Utility Bill Payers, Google Pay Users & Everyday Dining, Grocery and Cab Spenders
Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
Lounge: 4 Domestic visits/year · ₹50k quarterly spend required
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 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
AU Small Finance Bank has sharply devalued AU Zenith and AU Vetta credit cards effective October 1, 2026. Zenith's forex markup jumps from 1.99% to 3.49% with fuel waiver slashed by 90%, while Vetta moves to 3.49%. Here is CardRecommend's detailed financial impact analysis and comparison with Zenith+ and ixigo AU.
YES BANK and Niyo have launched an unsecured, lifetime-free Visa credit card featuring 0% forex markup, domestic rewards, and international airport lounge access via Niyo Coins. Here is CardRecommend's complete analysis, fee breakdown, and lounge access reality check.
American Express discontinued its Reward Multiplier programme in India on September 30, 2026. While direct merchant-link accelerated earning has ended, ShopWise e-vouchers continue to offer accelerated Membership Rewards points across 200+ brands. Here is our complete analysis and breakdown for Amex cardholders.
Everything you need to know about comparing, choosing, and applying for credit cards in India
