Compare rewards, fees, spend conditions and airport lounge access across hundreds of Indian credit cards.
Zero Sponsored Bias: Ratings are computed strictly from reward rates, milestone thresholds, and net fee value.
Hidden Conditions Revealed: Quarterly spend hurdles, forex markup rates, and fee waiver targets are explicitly itemized.
Lounge Quota Intelligence: Separate tracking of domestic vs. international terminal eligibility and Priority Pass terms.
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
₹9,999
Mastercard
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
Annual fee waiver on spends of INR 1200000.00
Last verified 17 Sept 2026
₹2,499
Mastercard
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
Annual fee waiver on spends of INR 600000.00
Last verified 17 Sept 2026
₹999
Mastercard
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
Annual fee waiver on spends of INR 100000.00
Last verified 17 Sept 2026
₹499
Mastercard
Rewards: 2 Reward Points per ₹200 on general spends; 4 Reward Points per ₹200 on Grocery & Apparel
Lounge: 4 Domestic visits/year
Annual fee waiver on spends of INR 50000.00
Last verified 17 Sept 2026
Free (LTF)
Mastercard / RuPay
Rewards: 10% Scapia Coins on general spends (2% value), 20% on Scapia travel (4% value), 5% on RuPay UPI ₹500+ (1% value)
Lounge: Unlimited Domestic visits · ₹5k monthly spend required
Zero Joining
Last verified 9 Sept 2026
₹10,000
Mastercard / RuPay
Rewards: 2 First Citizen Points per Rs 200 on general retail spends (1% value back)
Best for: Shoppers Stop Loyalists, Fashion Connoisseurs & Luxury Apparel Buyers
Annual fee waiver on spends of INR 800000.00
Last verified 17 Sept 2026
Maximized cashback and rewards on online merchants, groceries, and retail spend
₹999
Other
Rewards: 5% online shopping cashback (up to ₹5,000/cycle), 1% offline cashback
Best for: Universal Online Shopping & Digital Spends
Annual fee waiver on spends of INR 200000.00
Last verified 10 Sept 2026
₹1,000
Other
Rewards: 5% on 10 online merchants, 1% on other spends
Lounge: 4 Domestic visits/year · ₹1L quarterly spend required
Annual fee waiver on spends of INR 100000.00
Last verified 16 Sept 2026
Free (LTF)
Visa
Rewards: 5% for Prime on Amazon, 3% for non-Prime, 2% on bills, 1% elsewhere
Best for: Amazon Shoppers, Online Spenders & Everyday Cashback
Zero Joining
Last verified 17 Sept 2026
₹500
Other
Rewards: 5% on Flipkart, 4% on partners, 1% on other spends
Best for: Flipkart Ecosystem Shoppers & Regular Swiggy/Uber Users
Annual fee waiver on spends of INR 350000.00
Last verified 9 Sept 2026
₹1,499
Other
Rewards: 1.5% NeuCoins on Non-Tata & UPI spends
Lounge: 8 Domestic (₹50k quarterly spend required) + 4 International visits/year
Annual fee waiver on spends of INR 300000.00
Last verified 16 Sept 2026
₹499
Other
Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
Lounge: 4 Domestic visits/year · ₹50k quarterly spend required
Annual fee waiver on spends of INR 200000.00
Last verified 9 Sept 2026
Search participating terminals, verify credit card eligibility, and check quarterly spend hurdles before you fly.
Index across 154 airports and 132 lounges in India with 5,830+ verified access rules. Check terminal access, quota limits, and spend hurdles.
Select departure airport and terminal.
Browse Encalm, 080, Adani, or Travel Club.
Instant authorization match for your bank card.
Know quarterly spend conditions before travel.
Popular Airport Hubs:
₹12,500
Other
Rewards: 5 Reward Points per ₹150 spent
Lounge: Unlimited Domestic & International
Annual fee waiver on spends of INR 1000000.00
Last verified 16 Sept 2026
₹2,500
Other
Rewards: 4 Reward Points per ₹150 spent
Lounge: 12 Domestic (₹60k quarterly spend required) + 6 International visits/year
Annual fee waiver on spends of INR 400000.00
Last verified 16 Sept 2026
₹5,000
Other
Rewards: 5 EDGE Miles/₹100 on airlines/hotels, 2 EDGE Miles/₹100 on other retail
Lounge: 8 Domestic + 4 International visits/year
Joining: ₹5,000
Last verified 14 Sept 2026
Free (LTF)
Mastercard / RuPay
Rewards: 10% Scapia Coins on general spends (2% value), 20% on Scapia travel (4% value), 5% on RuPay UPI ₹500+ (1% value)
Lounge: Unlimited Domestic visits · ₹5k monthly spend required
Zero Joining
Last verified 9 Sept 2026
Free (LTF)
Visa
Rewards: 10X on dining, travel, international & spends > ₹20,000/month; 6X on online up to ₹20,000; 3X on offline
Lounge: 16 Domestic (₹20k monthly spend required) + 16 International visits/year
Zero Joining
Last verified 17 Sept 2026
₹2,999
Other
Rewards: 2 Reward Points per Rs 100 spent
Lounge: 8 Domestic + 4 International visits/year
Annual fee waiver on spends of INR 300000.00
Last verified 10 Sept 2026
Cards that return part of your spending as cashback.
16 cards available
Credit cards with travel, flight and hotel benefits.
139 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
Credit cards suitable for students and first-time users.
0 cards available
Designed for precision, transparency, and data integrity
Every fee, interest slab, and waiver threshold is sourced directly from official Most Important Terms and Conditions (MITC) schedules.
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.
All card applications route through direct bank application links. We never collect or store your sensitive personal financial credentials.
In-depth strategies to optimize rewards, avoid hidden fees, and choose the best card
Flipkart Big Billion Days 2026 starts October 9, with early access on October 8 and Early Bird Deals from September 24. See the Axis Bank and ICICI Bank 10% card offers and what to check before buying.
Apple Pay could launch in India as early as October 2026 with Axis Bank credit cards, according to Reuters. Here’s what’s reported, how Apple Pay works and what Indian cardholders should know.
UPI MDR rules change from October 15, 2026. Understand the 0.4% merchant fee above ₹2,000, ₹300 cap, exemptions, and how UPI charges compare with credit and debit cards.
Everything you need to know about comparing, choosing, and applying for credit cards in India
Analyze your highest monthly expenditure category (e.g. online shopping, groceries, fuel, dining, or flights). If you shop online frequently, direct 5% cashback cards offer transparent value without complex point conversions. If you travel, prioritize cards offering verified airport lounge access with low or zero quarterly spend hurdles.
A Lifetime Free credit card has zero joining fee and zero annual renewal fee for life, without needing annual spend milestones to waive charges. Examples include ICICI Amazon Pay and IDFC FIRST cards.
Many Indian banks require cardholders to spend a minimum threshold (typically ₹20,000 to ₹75,000 in the previous calendar quarter or month) to unlock complimentary domestic airport lounge visits. CardRecommend explicitly itemizes these spend hurdles for each card so you are never caught off guard.
Major Indian banks (HDFC, SBI, ICICI, Axis) prefer a CIBIL score of 750 or higher. If your score is between 700 and 749, entry-level cards or secured credit cards backed by fixed deposits are typically approved.
No. CardRecommend is a free financial intelligence platform. We never ask for, store, or process personal banking credentials or card numbers. All application links direct securely to authorized bank portals.
