Best Credit Cards in India

Lifetime-free co-branded legend. Earns unlimited 5% cashback on Amazon India for Prime members (3% for non-Prime), 2% on flights/bills/partners, and 1% flat offline.

IndusInd's premium rewards offering co-branded with Tiger FinTech. Features highly accelerated rewards on international shopping and comprehensive dining discounts.

A premium lifetime-free wealth card offering a thin 1.5% forex markup, complimentary domestic and international lounge + spa access, and unlimited reward points.

A premium lifetime-free card offering progressive rewards (up to 10X), complimentary railway and airport lounge access, and interest-free cash withdrawals.

The zero-forex traveler's companion. Features 0% markups on international swipes, unlimited domestic lounge access, and flat travel coins value on bookings.

A travel-focused co-branded card with Ixigo, offering 10% off on flights and hotels booked via Ixigo, 16 domestic airport lounge + 16 railway lounge visits, zero forex markup, and 10 reward points per ₹200 on online spends.

High-prestige metal card with an app-first interface. Offers AI-driven reward category boosters, instant swipes, and completely paperless approvals.

A lifetime-free card targeting millennials with 10X reward points on monthly spends above ₹20,000 and on birthday purchases, 6X on online purchases, and 3X on offline. Points never expire and can be redeemed instantly.

A digital-first, lifetime-free RuPay credit card designed for seamless UPI Scan & Pay payments with instant rewards and virtual app access.

HSBC's lifetime-free rewards card offering 2 reward points per ₹150, with 5X accelerated points above ₹4 lakh annual spend. Points can be transferred to airline miles (British Airways, Singapore Airlines, Air India, Etihad) at competitive rates.

India's first customizable credit card — choose 3 out of 9 benefit categories (fuel, travel, entertainment, dining, etc.) and get higher rewards only on what matters to you. Lifetime free with pay-what-you-use model.

A lifetime-free beginner card offering 5X reward points on top spending categories (auto-detected), never-expiring reward points, and unique features like interest-free ATM cash withdrawal for up to 48 days.

A highly affordable co-branded fuel card offering 6X reward points on HP fuel purchases, 2X on grocery and utility spends, and 1% fuel surcharge waiver.

India's most affordable fuel card at just ₹250/year, offering 4% value back on IndianOil fuel purchases, RuPay network benefits including UPI linking, and additional rewards on grocery and utility spends.

Co-branded HPCL fuel card offering up to 6.5% value back on HPCL fuel, plus unique FASTag auto-recharge cashbacks.

Co-branded HPCL fuel card offering up to 6.5% value back on HPCL outlets, plus milestone benefits and movie discounts.

The budget-friendly BPCL fuel card offering 13X reward points on BPCL fuel purchases, 5X on dining and grocery, and 1% fuel surcharge waiver. Complementary to the premium BPCL SBI Octane card at a fraction of the cost.

Co-branded with Google Pay. Offers a massive 5% cashback on utility bills, DTH, and mobile recharge when paid via GPay app, and 2% flat cashback offline.

A straightforward cashback card offering flat returns on all online and offline spends with no complicated tiers.

The ultimate dining co-branded card. Offers a massive 10% cashback on all Swiggy spends (Food, Instamart, Dineout, Genie) and 5% on highly popular online shopping merchants.

Co-branded powerhouse card offering unlimited 5% cashback on Flipkart and Myntra, 4% on preferred partners (Swiggy, Uber, PVR), and 1.5% flat rate offline.

Co-branded powerhouse card delivering an unmatched 25% cashback on Airtel services, 10% on utility bills, and 10% on Swiggy and Zomato.

Entry-level co-branded fuel card offering 4% value back on IndianOil fuel stations, plus accelerated rewards on online shopping.

Axis Bank's popular entry-level rewards card offering 4X EDGE Reward Points on dining, movies, and OTT platforms, 1X on all other spends, with easy EMI conversion and dining offers at 10,000+ partner restaurants.

HSBC's modern cashback card focusing on dining, food delivery, and groceries with a streamlined rewards process.

The industry-benchmark flat 5% cashback card. Earns 5% cashback on all online transactions (without merchant capping) and 1% on offline spends. Cashback is automatically credited to the statement.

Premium cashback card offering accelerated 10% cashback on dining, food delivery, grocery, and online spends, alongside a flat 1.5% unlimited cashback on other spends.

HDFC's flagship entry-level card offering 5% cashback on major partner platforms (Amazon, Flipkart, Swiggy, Zomato, Uber, BookMyShow) and 1% on other spends.

Co-branded premium fuel card offering 4% value back on IndianOil fuel, Zomato lifestyle discounts, and accelerated reward points.

The premium co-branded card for the Tata ecosystem, offering up to 10% NeuCoins on Tata Neu (5% base + 5% NeuPass bonus), 5% on partner brands (BigBasket, Croma, 1mg, AirAsia), and 1.5% on all other spends including UPI.

The highest-yield fuel card in India. Offers 7.25% value back on BPCL fuel stations, and accelerated rewards on dining, grocery, and movies.

India's first health and fitness-focused credit card, offering 10X reward points on health, wellness, and fitness platforms including Practo, Cult.fit, Netmeds, Pharmeasy, and Apollo 24|7. Also includes lounge access and dining rewards.

Co-branded fuel card offering a robust 8.5% value back on IndianOil fuel purchases, plus rewards on grocery and dining.

A premium lifestyle and shopping card offering 12,500 welcome reward points, quad-annual airport lounge visits, milestone perks, and dining privileges.

Premium travel and lifestyle credit card offering unlimited domestic airport lounge access and 5X rewards. Currently offered completely Lifetime Free (LTF) for new applicants till 30th June 2026!

An upgraded premium travel and lifestyle product from HDFC, offering high reward multiplier via SmartBuy, global lounge access, and milestone benefits.

The classic premium benchmark reward card in India, providing balanced multipliers, comprehensive insurance, and strong lounge perks.

Federal Bank's premium lifestyle card offering 6 complimentary domestic lounge visits, 2X reward points on all spends, milestone benefits, comprehensive insurance, and dining offers across 1,500+ partner restaurants.

A versatile reward card offering high returns on birthday spends, dining, groceries, and travel milestone benefits.

YES Bank's premium lifestyle card offering 12 complimentary golf rounds annually, 8 domestic and 4 international lounge visits, 2X rewards on dining and travel, and comprehensive travel insurance coverage.

Co-branded premium hotel travel card offering a complimentary Free Night Award annually, Marriott Bonvoy Silver Elite status, and 12 domestic & 12 international lounge visits.

Co-branded airline card offering Club Vistara CV points on spends, complimentary premium economy flight tickets on milestone spends, and lounge benefits.

A premium lifestyle and dining card featuring complimentary golf rounds, airport lounge benefits with Priority Pass, and rich reward multipliers.

India's first travel credit card with 0% foreign currency markup, perfect for international travelers and shoppers.

The legendary MRCC card from Amex. Earns membership rewards points which can be redeemed for physical gold, Amazon vouchers, or points transfer.

A co-branded airline card that earns Club Vistara (CV) points on every spend. Comes with complimentary Vistara Silver tier membership, free priority check-in, and points that can be redeemed for Air India/Vistara flights.

HSBC's dedicated travel card offering 4X reward points on flights, hotels, travel aggregators, and forex spends, with 1:1 transfer to airline partners (British Airways, Singapore Airlines, Air India, Etihad). Includes 6 domestic + 4 international lounge visits and golf privileges.

SBI's flagship premium offering. Packed with travel benefits, movie ticket privileges (Buy 1 Get 1 free), and accelerated reward points on department stores and dining.

A dedicated travel card for Air India loyalists, offering accelerated Maharaja points and extensive milestone rewards.

Premium tier-based travel card. Earns EDGE Miles on flights, hotels, and foreign spends which transfer 1:2 to top-tier international airline and hotel loyalty programs.

A premium travel card designed for milestone-based rewards, offering airline and hotel gift vouchers on reaching annual spend targets.

Premium travel and lifestyle card featuring an ultra-low 1.99% forex fee, domestic and international lounge access, and robust reward multipliers.

YES Bank's flagship super-premium card offering 36 YES Rewardz Points per ₹200 on online shopping (up to 4.5% return), unlimited international lounge access, 24 domestic lounge visits/year, 1% forex markup, golf privileges, and BOGO movie tickets.

HDFC's high-end card utilizing the premium Diners Club network. Offers unlimited lounge access worldwide, complimentary luxury golf rounds, and points redeemable at high value.

The highest tier of Axis-Vistara co-branded cards, offering complimentary Business Class tickets and Gold tier membership.

Super-premium metal card from ICICI. Features unlimited international lounge access, complimentary airport transfers, and Taj Epicure membership.

Prestige super-premium lifestyle card offering unlimited global airport lounge access, luxury concierge, and high-value points milestones.

Exclusive invitation-only metal card. Offers zero forex markup, unlimited global lounge and spa access, and unlimited golf rounds.