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Best Entry Level in India 2026

Compare the best entry level in India. 37 cards ranked by our experts.

Showing 37 cards

Best for: Frequent Amazon shoppers, especially Prime members looking for a no-fee card with unlimited cashback on Amazon purchases. Also ideal for first-time credit card users and students.
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

4.2 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

FREE

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
1/year #54
Min Credit Score
750+ #50
Categories Cashback, Co-Branded, Entry Level, Lifetime Free, Shopping
View full details
CardNitty's take

Pros

  • Lifetime free with zero joining and annual fees
  • Up to 5% unlimited cashback on Amazon for Prime members
  • No cap on cashback earnings and rewards never expire
  • Low forex markup of 1.99%
  • 1% fuel surcharge waiver
  • 15% off dining via ICICI Culinary Treats
  • Seamless auto-redemption to Amazon Pay balance

Cons

  • Cashback limited to Amazon Pay balance, not statement credit
  • No airport lounge access without Rs. 75,000 quarterly spend
  • No insurance or travel benefits
  • No cashback on fuel, rent, EMI, international, education, or wallet load spends
  • 1% base rate on non-Amazon spends is below some competitors
  • New fees from Jan 2026: wallet load, gaming, transportation surcharges
Read full review
Best for: Young professionals and online shoppers who frequently use Amazon, Flipkart, Swiggy, Zomato, and other popular platforms
HDFC Millennia

HDFC Millennia

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹1.00 - ₹3.00/₹100

#32

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Attractive 5% cashback on 10 popular online brands
  • Low annual fee of Rs 1,000 easily waived on Rs 1L spend
  • 1 CashPoint = Rs 1 for statement credit - simple redemption
  • Quarterly milestone vouchers worth Rs 1,000 each
  • Dining discount via Swiggy Dineout

Cons

  • Monthly cashback cap of only 2,000 CashPoints (Rs 2,000)
  • High 3.5% forex markup for international transactions
  • Lounge access now requires quarterly spend milestone
  • No insurance or premium lifestyle benefits
Read full review
Best for: Online shoppers who frequently buy from Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart. First-time credit card users seeking an affordable entry-level rewards card with low annual fee.
HDFC MoneyBack Plus

HDFC MoneyBack Plus

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹0.33 - ₹3.33/₹100

#52

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
650+ #1
Categories Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 3.33% valueback on 5 popular online merchants
  • Low annual fee of Rs. 500 with easy waiver
  • Quarterly milestone vouchers worth Rs. 500 each
  • Multiple redemption options including SmartBuy
  • Flexible CashPoints redeemable as cashback, travel, airmiles
  • Contactless payment enabled

Cons

  • No airport lounge access
  • Reward points expire after 2 years
  • No rewards on fuel, rent, government, EMI transactions
  • Grocery rewards capped at 1,000 points per month
  • 10X CashPoints capped at 2,500 per month
  • High forex markup of 3.5%
Read full review
Best for: Frequent Tata brand shoppers (Croma, BigBasket, Westside, Tata CLiQ) who want to maximize cashback on everyday Tata ecosystem purchases.
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹1.50/₹100

#32

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
1/year #54
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 7% NeuCoins on Tata Neu App with NeuPass
  • 2% NeuCoins on Tata brand purchases
  • 1 NeuCoin = Rs 1 simple redemption value
  • Low annual fee of Rs 499 with easy waiver at Rs 1 lakh spend
  • Domestic lounge access on quarterly spend milestones
  • Available in both Visa and RuPay variants with UPI support

Cons

  • No international lounge access
  • No movie or dining benefits
  • Lounge access requires Rs 50,000 quarterly spend milestone
  • NeuCoins valid only for 12 months
  • Only 1% rewards on non-Tata spends
Read full review
Best for: Google Pay users who pay utility bills, Swiggy/Zomato/Ola users, people seeking strong base cashback with no cap
Axis Bank Ace

Axis Bank Ace

3.7 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹5.00/₹100

#32

Joining fee

₹499

#10

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Lifetime Free, Lounge Access
View full details
CardNitty's take

Pros

  • Highest cashback (5%) on utility bills via Google Pay
  • Uncapped 1.5% base cashback on all other spends
  • 4 complimentary domestic airport lounge visits per year
  • Low annual fee of Rs. 499, waivable on Rs. 2 lakh annual spend
  • 4% cashback on Swiggy, Zomato and Ola
  • Free card replacement
  • 1% fuel surcharge waiver up to Rs. 500 per cycle

Cons

  • Accelerated cashback (5% and 4%) capped at Rs. 500 per statement cycle combined
  • iOS users cannot use Google Pay bill pay feature for 5% cashback
  • No cashback on fuel, EMI, rent, wallet loads, insurance and gold purchases
  • 3.5% forex markup makes it poor for international transactions
  • Base cashback reduced from 2% to 1.5% in April 2024 devaluation
Read full review
Best for: Frequent online shoppers who want simple, unrestricted 5% cashback on all online purchases without brand or merchant limitations.
Cashback SBI Card

Cashback SBI Card

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹999

#41

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Flat 5% cashback on all online spends without any merchant restriction
  • High monthly cashback cap of Rs. 5,000 (Rs. 60,000 annually)
  • Cashback auto-credited to statement, no manual redemption needed
  • Low annual fee of Rs. 999 with easy waiver on Rs. 2L annual spend
  • 1% fuel surcharge waiver at all petrol pumps in India

Cons

  • No cashback on fuel, rent, utility, wallet, insurance, education, and jewellery
  • No airport lounge access or travel benefits
  • High forex markup of 3.5% makes it unsuitable for international use
  • No welcome bonus or milestone rewards beyond fee waiver
Read full review
Best for: Online shoppers who frequently buy from Myntra, BookMyShow, Cleartrip, and other partner brands seeking high reward rates at a low annual fee.
SimplyCLICK SBI Card

SimplyCLICK SBI Card

3.6 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹0.25 - ₹2.50/₹100

#63

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Excellent 10X rewards on 8+ partner brands covering shopping, travel, dining and entertainment
  • Low annual fee of Rs. 499 with easy waiver on Rs. 1L spend
  • 5X reward points on all online spends beyond partner brands
  • Up to Rs. 4,000 in milestone e-vouchers per year

Cons

  • No airport lounge access
  • High forex markup of 3.5% makes it unsuitable for international use
  • Reward point value of Rs. 0.25 is relatively low
  • No rewards on fuel, rent, government, and utility payments
Read full review
Best for: Frequent Flipkart and Myntra shoppers seeking direct cashback on online purchases with a low annual fee card.
Flipkart SBI Card

Flipkart SBI Card

3.9 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹6.25/₹100

#25

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • High 7.5% cashback on Myntra and 5% on Flipkart
  • Unlimited 1% cashback on all other eligible spends
  • Low annual fee of Rs. 500, easily waivable at Rs. 3.5L spend
  • Cleartrip integration with instant discounts plus cashback
  • 4% cashback on Netmeds, Uber, Zomato, and PVR

Cons

  • No complimentary airport lounge access
  • Quarterly caps of Rs. 4,000 on each accelerated cashback category
  • High 3.5% forex markup on international transactions
  • Many spending categories excluded from cashback
Read full review
Best for: PhonePe users, UPI payments, online shopping, beginners in credit cards, utility bill payments
PhonePe HDFC Bank Uno

PhonePe HDFC Bank Uno

3.3 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹1.50/₹100

#68

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fintech, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs.499 with easy fee waiver
  • Welcome benefits effectively cover joining fee
  • 2% rewards on PhonePe categories
  • 1% rewards on popular online brands
  • UPI Scan & Pay rewards
  • RuPay network enables UPI payments

Cons

  • No airport lounge access
  • No insurance or lifestyle benefits
  • Limited international acceptance (RuPay network)
  • Reward points capped at 500 per category per month
  • Low redemption value (Rs.0.30) for non-cashback options
Read full review
Best for: Airtel users (mobile, broadband, DTH) paying via Airtel Thanks app, Swiggy/Zomato/BigBasket shoppers, utility bill payers seeking cashback.
Axis Bank Airtel

Axis Bank Airtel

3.8 CardNitty rating
APPLY NOW on Axis Bank's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹15.00/₹100

#4

Joining fee

₹500

#21

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 25% cashback on Airtel bills via Airtel Thanks app
  • 10% cashback on utility bills and food delivery partners
  • Low annual fee of Rs 500 with easy waiver at Rs 2 lakh spend
  • 4 complimentary domestic airport lounge visits per year
  • 1% unlimited cashback on all other retail spends

Cons

  • Cashback caps are low (Rs 250/month on Airtel and utility)
  • Utility cashback only works through Airtel Thanks app
  • No international lounge access
  • High forex markup of 3.5%
  • New surcharges on fuel, education, wallet loads from Dec 2024
Read full review
Best for: Regular IndianOil fuel station users who also spend on groceries and utility bills. Best suited for individuals looking for a low-fee fuel credit card with UPI support via RuPay network.
IndianOil HDFC Bank

IndianOil HDFC Bank

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹0.64 - ₹7.30/₹100

#22

Joining fee

₹500

#21

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Accelerated 5% Fuel Points at IndianOil outlets, groceries, and bill payments
  • Fuel surcharge waiver of 1% at all petrol pumps across India
  • Excellent redemption rate of Rs. 0.96 per Fuel Point via XTRAREWARDS
  • Low annual fee of Rs. 500 with easy waiver on Rs. 50,000 spend
  • RuPay network enables UPI-linked credit card payments
  • Complimentary IndianOil XTRAREWARDS Program membership
  • Up to 50 litres of free fuel annually

Cons

  • Low monthly caps on Fuel Points (150 FP after 6 months)
  • Complex redemption process requiring XTRAREWARDS conversion
  • No lounge access, travel, dining, or shopping benefits
  • High forex markup of 3.5% makes it poor for international use
  • Fuel Points value drops to Rs. 0.20 for non-fuel redemptions
Read full review
Best for: Regular retail shoppers who spend ₹20,000+ monthly and want straightforward rewards without category restrictions. Ideal for those seeking entry-level lounge access and fuel surcharge waivers.
Standard Chartered Rewards

Standard Chartered Rewards

2.8 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹0.17 - ₹1.00/₹100

#86

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
700+ #3
Categories Entry Level, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Up to 8x reward points on retail spends above ₹20k monthly
  • No reward points expiry
  • Low annual fee waiver threshold (₹1.5L)
  • 4000 bonus points on annual fee payment
  • Quarterly domestic lounge access
  • 1% fuel surcharge waiver

Cons

  • No rewards on fuel transactions
  • Relatively low point value (₹0.20-₹0.25 per point)
  • No international lounge access
  • High forex markup (3.5%)
  • No premium benefits like golf or concierge
Read full review
Best for: Young spenders who want customizable cashback on dining, fashion, travel, grocery, and electronics brands with a low annual fee
HDFC Pixel Play

HDFC Pixel Play

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Up to 5% cashback on 10 popular partner brands across 5 customizable categories
  • Low annual fee of Rs 500, easily waivable on Rs 1L spend
  • 1% unlimited cashback on all other eligible spends
  • Digital-first card with instant issuance via PayZapp
  • Additional 5% cashback on HDFC SmartBuy platform
  • Dual network option with Visa physical + RuPay digital card

Cons

  • CashPoints redemption restricted to PayZapp wallet only
  • Split limit required for existing HDFC card holders
  • No lounge access or insurance coverage
  • 500 CashPoints monthly cap per category limits high-spenders
  • 3.5% forex markup makes it poor for international use
Read full review
Best for: First-time credit card users, everyday spenders on groceries, dining and entertainment, those seeking low annual fee cards with decent rewards
HDFC Freedom

HDFC Freedom

3.2 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.10 - ₹1.00/₹100

#78

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 500 with easy Rs. 50,000 waiver
  • 10X CashPoints on popular merchants like Swiggy, BigBasket, Uber
  • Accessible eligibility with Rs. 12,000 monthly income requirement
  • 1% fuel surcharge waiver on transactions Rs. 400-5,000
  • Contactless payment enabled

Cons

  • Low base reward rate of 0.1% (1 point per Rs. 150 at Rs. 0.15/point)
  • No airport lounge access
  • High forex markup of 3.5% making it unsuitable for international use
  • 10X merchant cap of 2,500 points per month limits high spenders
Read full review
Best for: Frequent UPI users, existing HDFC cardholders wanting rewards on UPI spends, budget-conscious users seeking cashback on groceries and utilities.
HDFC Bank UPI RuPay

HDFC Bank UPI RuPay

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹99

#1

Rewards rate

₹1.00 - ₹8.50/₹100

#57

Joining fee

₹99

#2

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Earn CashPoints on both UPI and regular transactions
  • Up to 3% rewards on groceries, supermarket and dining
  • 2% rewards on utility bill payments (rare benefit)
  • Very low annual fee of Rs. 99 with easy waiver at Rs. 25,000 spend
  • Seamless integration with all major UPI apps

Cons

  • Low effective reward rate of 0.25% to 0.75% in INR terms
  • Monthly caps of 500 CashPoints per category limit earning potential
  • Virtual card only - no physical card issued
  • Only available as add-on to existing HDFC Bank card
  • No airport lounge access or premium perks
  • Limited international acceptance with RuPay network
Read full review
Best for: First-time credit card users, students, and beginners looking for a simple cashback card with low fees and digital-first experience via PayZapp
HDFC Pixel Go

HDFC Pixel Go

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹250

#3

Rewards rate

₹1.00/₹100

#14

Joining fee

₹250

#4

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 250 with easy waiver at Rs. 50,000 annual spend
  • 1% unlimited cashback on all eligible spends with no monthly cap
  • 5% cashback on SmartBuy platform (flights, hotels, vouchers)
  • Dual network (Visa + RuPay) with UPI credit card functionality
  • Fully digital card management via PayZapp app
  • FD-backed option available for those with no credit history

Cons

  • No airport or railway lounge access
  • High forex markup of 3.5% makes it poor for international use
  • 5% SmartBuy cashback capped at 500 CashPoints per month
  • No concierge or premium lifestyle benefits
  • Minimum 500 CashPoints needed to redeem rewards
Read full review
Best for: Regular Shoppers Stop customers who want to earn First Citizen Points on their shopping and enjoy Silver Edge membership benefits.
Shoppers Stop HDFC Bank

Shoppers Stop HDFC Bank

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹299

#6

Rewards rate

₹1.00/₹100

#78

Joining fee

₹299

#7

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs.299 with complimentary Silver Edge Membership worth Rs.350
  • Good 2.4% reward rate on Shoppers Stop private label brands
  • Rs.500 welcome voucher redeemable at Shoppers Stop
  • RuPay variant available for UPI payments
  • 1% fuel surcharge waiver across all fuel stations

Cons

  • No airport lounge access
  • No insurance coverage
  • Low 0.8% reward rate on non-Shoppers Stop spends
  • High 3.5% forex markup
  • Reward points value drops significantly for non-SS redemptions (Rs.0.20-0.25 per point)
Read full review
Best for: Budget-conscious individuals who want cashback on everyday spends like fuel, groceries, mobile recharges, and bill payments. Ideal for first-time credit card users.
HDFC Bharat

HDFC Bharat

3.5 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹2.50/₹100

#32

Joining fee

₹500

#21

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Entry Level, Fuel
View full details
CardNitty's take

Pros

  • Affordable Rs. 500 annual fee with spend-based waiver at Rs. 20,000
  • 5% cashback on fuel, grocery, IRCTC, bill payments
  • 5% cashback on PayZapp, SmartBuy and EasyEMI
  • Rs. 50 Lakhs accidental death insurance cover
  • 1% fuel surcharge waiver at all fuel stations
  • Zero lost card liability protection

Cons

  • Cashback capped at Rs. 150 per category per month (Rs. 300 total)
  • No lounge access or dining benefits
  • High forex markup of 3.5%
  • Reward redemption capped at 3,000 points/month
  • New applications stopped by HDFC Bank
Read full review
Best for: Budget-conscious travellers who want to earn reward points on everyday spending, access Diners Club lounges, and have a 24x7 concierge at a low annual fee.
HDFC Diners Club Rewardz

HDFC Diners Club Rewardz

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹1,000

#45

Rewards rate

₹0.60 - ₹5.50/₹100

#30

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.00% #25
Domestic Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Entry Level, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 1,000 with spend-based waiver at Rs. 1 lakh
  • 10X Reward Points on partner brand shopping
  • Unlimited access to 1,000+ Diners Club lounges in India
  • 24x7 Global Personal Concierge Service
  • 1% fuel surcharge waiver on transactions Rs. 400-5,000
  • Reward Points redeemable for flights, hotels, AirMiles, and more

Cons

  • Low base reward rate (3 RPs per Rs. 150 = 0.60% return)
  • Reward cap of 15,000 points per statement cycle
  • 10X partner rewards capped at just 2,000 points per month
  • No complimentary movie tickets or dining offers
  • No insurance coverage
  • Card no longer accepting new applications
Read full review
Best for: First-time credit card users looking for an affordable card with basic rewards and dining benefits.
HDFC Titanium Edge

HDFC Titanium Edge

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹0.13 - ₹0.20/₹100

#91

Joining fee

FREE

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Dining, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Zero joining fee
  • Annual fee waived on Rs. 50,000 yearly spend
  • 50% extra reward points on dining
  • 1% fuel surcharge waiver
  • Contactless payment enabled
  • Complimentary accidental death insurance up to Rs. 50 lakh

Cons

  • Very low base reward rate (0.13%)
  • No lounge access
  • No welcome bonus
  • 3.5% forex markup is high
  • Card is now discontinued for new applications
Read full review
Best for: Women looking for an affordable credit card with accelerated rewards on grocery and dining spends
HDFC Solitaire

HDFC Solitaire

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.40 - ₹0.53/₹100

#89

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Entry Level, Lifestyle, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Accelerated 50% extra reward points on grocery and dining
  • Shoppers Stop vouchers worth up to Rs. 2,000 per year on milestone spends
  • Low annual fee of Rs. 500 with spend-based waiver at Rs. 50,000
  • 1% fuel surcharge waiver on transactions Rs. 400 to Rs. 5,000
  • Zero liability protection on fraudulent transactions

Cons

  • No lounge access or travel benefits
  • Low reward point redemption value (Re. 0.20 per point)
  • No welcome bonus of monetary value
  • Foreign currency markup of 3.5% is on the higher side
  • Rs. 99 fee charged per reward redemption request
Read full review
Best for: Teachers looking for a low-fee credit card with weekend bonus rewards, Teachers Day special benefits, and accidental death insurance coverage.
HDFC Teachers Platinum

HDFC Teachers Platinum

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.27 - ₹0.40/₹100

#83

Joining fee

₹500

#21

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Entry Level, Professional, Rewards
View full details
CardNitty's take

Pros

  • Exclusive card for teachers with special Teachers Day bonus
  • 3X reward points on weekend spending
  • Free accidental death insurance up to Rs. 50 Lakhs
  • Low annual fee of Rs. 500 with waiver option
  • Up to 3 free add-on cards

Cons

  • Reward points expire in just 2 years
  • No lounge access benefits
  • High forex markup of 3.5%
  • Low base reward rate of 0.27%
  • No welcome bonus
Read full review
Best for: Small business owners, freelancers, and self-employed professionals who spend on tax payments, business software, and travel.
HDFC Biz Grow

HDFC Biz Grow

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹0.33 - ₹3.33/₹100

#52

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Business, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 500 with easy waiver
  • 10X CashPoints on key business categories like tax, GST, software
  • Quarterly milestone of 2,000 CashPoints
  • Business insurance package available
  • 1% fuel surcharge waiver

Cons

  • No airport lounge access
  • Accelerated reward cap of 1,500 CashPoints per cycle is limiting
  • 3.5% forex markup is high
  • No complimentary concierge or travel benefits
Read full review
Best for: Small business owners and self-employed professionals looking for a low-fee card to earn rewards on EMI, utility bills, and everyday business expenses.
HDFC Biz First

HDFC Biz First

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.15 - ₹3.00/₹100

#90

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low joining and annual fee of Rs.500 with easy waiver on Rs.50K spend
  • Up to 3% CashPoints on EMI spends with decent category rates
  • UPI payment support with 1% CashPoints via RuPay
  • Business insurance package available at affordable premium
  • Quarterly milestone bonus of 2,000 CashPoints

Cons

  • No lounge access (domestic or international)
  • No complimentary insurance coverage
  • High forex markup of 3.5% makes it poor for international use
  • Low reward caps limit earning potential
Read full review
Best for: UPI payment enthusiasts, beginners building credit history, small business owners who want CashPoints on daily expenses including groceries, dining and utility payments.
HDFC Bank UPI RuPay Biz

HDFC Bank UPI RuPay Biz

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹250

#3

Rewards rate

₹0.25/₹100

#85

Joining fee

₹250

#4

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Business, Cashback, Entry Level, RuPay, Shopping, UPI
View full details
CardNitty's take

Pros

  • CashPoints earned on both UPI and regular spends
  • Low annual fee of Rs.250 with easy Rs.25,000 spend waiver
  • 3% CashPoints on groceries, dining and PayZapp
  • Virtual card reduces theft and fraud risk
  • Interest-free period of up to 50 days

Cons

  • Low effective reward rate (0.25% to 0.75%)
  • No physical card issued
  • No lounge access or travel benefits
  • Issued only as add-on to existing HDFC card
  • Monthly caps of 500 CashPoints per category
Read full review
Best for: Small business owners and self-employed individuals looking for a simple cashback card with low annual fees.
HDFC Business Platinum

HDFC Business Platinum

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹299

#6

Rewards rate

₹0.50 - ₹0.75/₹100

#78

Joining fee

₹299

#7

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
650+ #1
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 299 with easy waiver at Rs 30K spend
  • Up to 1% direct cashback on retail purchases
  • 1% cashback on international spends above Rs 10K
  • Domestic airport lounge access
  • Fuel surcharge waiver up to Rs 500 per cycle

Cons

  • Cashback requires minimum statement balance of Rs 10K-50K
  • No cashback on fuel transactions
  • High forex markup of 3.5%
  • Card discontinued - no new applications accepted
  • No insurance or premium lifestyle benefits
Read full review
Best for: Budget-conscious users wanting a lifetime free card with air miles conversion and fuel benefits
HSBC Visa Platinum

HSBC Visa Platinum

4.1 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹4.00/₹100

#50

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Entry Level, Fuel, Lifetime Free, Rewards
View full details
CardNitty's take

Pros

  • Lifetime free - zero joining and annual fees
  • Air miles conversion to 14+ airline partners
  • Rs.250 fuel cashback per quarter on contactless payments
  • Visa Signature perks including Times Prime membership
  • 3-year reward point validity

Cons

  • No airport lounge access
  • High 3.5% forex markup
  • Many reward exclusion categories
  • Average base reward rate of 0.67%
Read full review
Best for: First-time credit card users, UPI payment enthusiasts, and those seeking a lifetime free card with basic rewards and international usability.
HSBC RuPay Platinum

HSBC RuPay Platinum

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹0.67/₹100

#86

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Entry Level, Lifetime Free, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Lifetime free with no joining or annual fees
  • Earn 2 reward points per ₹150 spent
  • UPI payment integration with all major apps
  • International usage via JCB network in 160+ countries
  • Fuel surcharge waiver up to ₹3,000 annually
  • 48 days interest-free period
  • Contactless payments enabled

Cons

  • No lounge access (domestic or international)
  • No milestone benefits
  • Basic reward rate compared to premium cards
  • Limited to entry-level features
Read full review
Best for: Entry-level cardholders seeking cashback on dining and groceries, frequent UPI users, those wanting affordable airport lounge access
HSBC RuPay Cashback

HSBC RuPay Cashback

2.8 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹7.50/₹100

#14

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Domestic Lounge
2/year #48
International Lounge
2/year #19
Min Credit Score
700+ #3
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 10% cashback on dining/grocery/food delivery
  • Affordable ₹499 annual fee
  • Complimentary lounge access (2 domestic per quarter + 2 international per year)
  • 0% forex markup until Dec 2025
  • UPI integration
  • ₹500 welcome cashback + Amazon voucher

Cons

  • Low ₹400 monthly cashback cap
  • No fuel surcharge waiver
  • No insurance coverage
  • Limited to select cities
  • No rewards on many categories
Read full review
Best for: Frequent domestic travelers who book through EaseMyTrip and want an affordable entry-level travel card with instant discounts
Standard Chartered EaseMyTrip

Standard Chartered EaseMyTrip

3.0 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹350

#8

Rewards rate

₹0.50 - ₹2.50/₹100

#63

Joining fee

₹350

#9

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Lounge Access, Travel
View full details
CardNitty's take

Pros

  • Affordable annual fee of ₹350 waived at ₹50K spend
  • Flat 20% discount on hotel bookings via EaseMyTrip
  • 10X reward points on standalone hotel and airline bookings
  • No minimum spend threshold for EaseMyTrip discounts

Cons

  • International lounge access discontinued from Oct 2024
  • Only 2 domestic lounge visits per year
  • No fuel surcharge waiver or dining benefits
  • Limited to EaseMyTrip platform for discount benefits
Read full review
Best for: Online shoppers and those making frequent utility payments who want straightforward cashback rewards without category restrictions
Standard Chartered Smart

Standard Chartered Smart

3.6 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹2.00/₹100

#68

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Utility
View full details
CardNitty's take

Pros

  • Simple 2% cashback on all online spends
  • 1% cashback on offline spends with no merchant restrictions
  • Utility bill payments eligible for cashback
  • 90-day extended interest-free period for new cardholders
  • Zero processing fee on 3-month EMI conversions
  • Cashback never expires
  • Low annual fee (Rs. 499) with spend-based waiver
  • 0.99% monthly interest on 3-month EMIs

Cons

  • No welcome bonus or renewal benefits
  • No lounge access (domestic or international)
  • No fuel surcharge waiver or cashback on fuel
  • Monthly cashback caps limit high spenders
  • No insurance coverage
  • Higher forex markup (3.5%) compared to premium cards
  • Lacks premium features like concierge or golf benefits
Read full review
Best for: Young professionals who shop on Myntra, order from Zomato, use Ola, and buy groceries on Blinkit. Ideal for entry-level users wanting instant discounts.
Standard Chartered DigiSmart

Standard Chartered DigiSmart

3.4 CardNitty rating
APPLY NOW on Standard Chartered Bank's website

Annual fee

FREE

Rewards rate

Varies

Joining fee

₹49

#1

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 20% discount on Myntra (max ₹700/month)
  • 15% cashback on Ola rides (max ₹600/month)
  • 10% off on Zomato and Blinkit
  • Buy 1 Get 1 at INOX on weekends
  • Monthly fee waived on ₹5,000 spend
  • Contactless payment enabled
  • Instant approval with video KYC
  • No reward points complexity

Cons

  • Card discontinued for new applications since Dec 2022
  • No reward points system
  • No airport lounge access
  • High interest rate (45% annually)
  • Limited to specific partner merchants
  • Monthly fee structure (₹49/month)
  • No fuel surcharge waiver
  • Entry-level benefits only
Read full review
Best for: Tata brand loyalists, frequent BigBasket/Croma/Tanishq shoppers, entry-level card seekers wanting rewards on everyday spending within the Tata ecosystem.
Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

3.4 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹1.50/₹100

#27

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 7% NeuCoins on select Tata Neu categories
  • 1% NeuCoins on all other spends including UPI (RuPay variant)
  • Low annual fee of Rs. 499 with easy waiver on Rs. 1 lakh spend
  • Welcome benefit of 499 NeuCoins effectively offsets joining fee
  • 4 complimentary domestic airport lounge visits per year
  • 1 NeuCoin = Re. 1 - simple and transparent redemption value

Cons

  • Rewards limited to Tata Neu ecosystem only
  • High forex markup of 3.5% makes it unsuitable for international use
  • Lounge access requires Rs. 50,000 quarterly spend threshold
  • No insurance or lifestyle perks - strictly an entry-level card
  • SBI Card known for delayed reward deductions during sales
Read full review
Best for: PhonePe users, bill payment enthusiasts, UPI-first digital spenders seeking an affordable rewards card with up to 3% value-back on everyday expenses.
PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE

3.6 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹3.00/₹100

#57

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Up to 3% rewards on PhonePe spends (1 RP = Re. 1)
  • Welcome gift offsets joining fee
  • RuPay variant enables UPI-linked rewards
  • Easy annual fee waiver at Rs. 1 lakh spend
  • Rewards on offline Scan & Pay transactions

Cons

  • No airport lounge access
  • Monthly reward caps of 1,000 per tier
  • High forex markup of 3.5%
  • No concierge or premium benefits
Read full review
Best for: Beginners and everyday spenders who shop at grocery stores, departmental stores, restaurants, and movie theaters regularly.
SimplySAVE SBI Card

SimplySAVE SBI Card

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹1.67/₹100

#71

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Dining, Entry Level, Grocery, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Affordable Rs. 499 annual fee with easy waiver on Rs. 1L spend
  • 10X reward points on 4 everyday categories (dining, movies, grocery, dept stores)
  • 1% fuel surcharge waiver on all petrol pumps
  • Free add-on cards for family members
  • Flexipay EMI conversion for purchases above Rs. 2,500
  • Available on Visa, Mastercard, and RuPay networks

Cons

  • No airport lounge access
  • No insurance coverage
  • Low base reward rate of 0.17% on non-accelerated spends
  • Redemption fee of Rs. 99 + GST on reward points
  • No reward points on fuel, rent, government, or wallet transactions
Read full review
Best for: Frequent BPCL fuel users seeking 4.25% value back, everyday spenders on grocery and dining, budget-conscious users wanting low-fee fuel card with easy annual fee waiver.
BPCL SBI Card

BPCL SBI Card

3.5 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹0.25 - ₹3.25/₹100

#56

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Strong 4.25% value back on BPCL fuel
  • 5X rewards on dining, grocery, departmental stores and movies
  • Low annual fee of Rs. 499 with easy waiver at Rs. 50K spend
  • Instant reward redemption at 1200+ BPCL outlets
  • Welcome bonus covers the joining fee

Cons

  • No airport lounge access
  • No insurance or travel benefits
  • Low 0.25% reward rate on non-category spends
  • Benefits limited to BPCL fuel stations only
  • High forex markup of 3.5%
Read full review
Best for: Regular HPCL fuel users looking for a low-fee fuel card with savings on everyday expenses including grocery, utility, and FASTag recharges.
IDFC FIRST Power

IDFC FIRST Power

3.6 CardNitty rating
APPLY NOW on IDFC First Bank's website

Annual fee

₹199

#2

Rewards rate

₹0.33 - ₹3.02/₹100

#23

Joining fee

₹199

#3

Interest rate

46.20%

#87
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Up to 5% savings on HPCL fuel with HP Pay App
  • Low annual fee of Rs.199 with easy waiver at Rs.50K spend
  • Never-expiring reward points
  • 2.5% savings on grocery, utility and FASTag
  • Interest-free ATM cash withdrawal for up to 45 days
  • Comprehensive insurance coverage including personal accident

Cons

  • No airport lounge access on base variant
  • Fuel savings limited to HPCL stations only
  • High forex markup of 3.5%
  • Reward caps on fuel, grocery and utility categories
Read full review

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