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Best Shopping in India 2026

Compare the best shopping in India. 29 cards ranked by our experts.

Showing 29 cards

Best for: Frequent travellers who value unlimited lounge access, high reward rates via SmartBuy, and premium lifestyle benefits including golf and complimentary subscriptions.
HDFC Diners Club Black

HDFC Diners Club Black

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

Annual fee

₹10,000

#80

Rewards rate

₹1.67 - ₹10.84/₹100

#6

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international airport lounge access
  • 10X reward points on SmartBuy portal with Rs. 1/point value
  • Complimentary memberships: Amazon Prime, Club Marriott, Times Prime, MMT Black
  • 6 complimentary golf games per quarter worldwide
  • Rs. 2 crore air accident cover and Rs. 50 lakh emergency medical
  • Low forex markup of 2% + GST

Cons

  • High annual fee of Rs. 10,000 + GST
  • Limited Diners Club network acceptance in some countries
  • Reward points capped on utility, grocery, and insurance categories
  • No reward points on fuel, wallets, rent, and EMI
Read full review
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: Frequent Flipkart and Myntra shoppers who want maximum cashback on online shopping. Also great for food delivery and entertainment spenders.
Flipkart Axis Bank

Flipkart Axis Bank

3.7 CardNitty rating
APPLY NOW on Axis Bank's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹6.25/₹100

#25

Joining fee

₹500

#21

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Shopping
View full details
CardNitty's take

Pros

  • 5% cashback on Flipkart purchases
  • 7.5% cashback on Myntra - highest in category
  • 4% unlimited cashback on Swiggy, Uber, PVR
  • Low joining and annual fee of Rs. 500
  • Easy fee waiver on Rs. 3.5 lakh annual spend
  • 1% fuel surcharge waiver up to Rs. 400/month
  • EMI conversion available on purchases above Rs. 2,500

Cons

  • Lounge access removed from June 2025
  • No reward points - only cashback
  • 3.5% forex markup is higher than premium cards
  • Many excluded categories (fuel, rent, utilities, EMI)
  • Quarterly caps on Flipkart and Myntra cashback
Read full review
Best for: Frequent shoppers across Tata brands (BigBasket, Croma, Westside, Air India, Tanishq, Titan) who can maximize the 5% NeuCoins earn rate on the Tata ecosystem.
Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank

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

Annual fee

₹1,499

#54

Rewards rate

₹1.50 - ₹5.00/₹100

#32

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Excellent 5% reward rate on Tata partner brands
  • 1 NeuCoin = Rs 1 redemption value across Tata ecosystem
  • Welcome benefit offsets joining fee
  • 8 domestic + 4 international lounge visits per year
  • Rs 1 Crore air accident insurance
  • 2% forex markup (lower than many cards)
  • Available in both Visa and RuPay variants

Cons

  • No rewards on fuel, wallet, rent, or government spends
  • Monthly caps on grocery, utility, insurance, and telecom categories
  • Domestic lounge now requires Rs 50K quarterly spend milestone
  • NeuCoins only redeemable within Tata ecosystem
  • NeuCoins expire in 12 months
  • Education payments via 3rd-party apps (CRED, MobiKwik) excluded from rewards
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: 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: Individuals who spend frequently on dining, groceries, and departmental stores, and want domestic and international airport lounge access at a reasonable annual fee.
SBI Card Prime

SBI Card Prime

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹2,999

#69

Rewards rate

₹0.50 - ₹5.00/₹100

#32

Joining fee

₹2,999

#67

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Dining, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Strong 2.5% reward rate on dining, groceries, departmental stores and movies
  • Generous lounge access: 8 domestic + 4 international visits annually
  • Multiple milestone vouchers up to Rs. 11,000 in value per year
  • Golf benefits with Mastercard variant
  • Complimentary Club Vistara Silver, Trident Privilege Red, and ITC Silver memberships

Cons

  • Low base reward rate of 0.5% on general spending
  • High forex markup of 3.5% makes it unsuitable for international transactions
  • Accelerated rewards capped at 7,500 RP per month
  • Rs. 3 lakh annual spend required for fee waiver is steep for the benefits offered
  • Air accident insurance being discontinued from July 2025
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: 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: 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: Frequent Shoppers Stop shoppers who want to maximize First Citizen Points and enjoy complimentary airport lounge access
Shoppers Stop Black HDFC Bank

Shoppers Stop Black HDFC Bank

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

Annual fee

₹4,500

#72

Rewards rate

₹2.00 - ₹6.50/₹100

#24

Joining fee

₹4,500

#70

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
16/year #11
International Lounge
8/year #12
Min Credit Score
700+ #3
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 8% rewards on Shoppers Stop private label brands
  • Complimentary First Citizen Black membership worth Rs 4,500
  • 16 domestic and 8 international lounge visits annually
  • Rs 3 crore air accident cover and Rs 50 lakh overseas medical
  • 1% fuel surcharge waiver at all fuel stations

Cons

  • High annual fee of Rs 4,500+GST with no spend-based waiver
  • No dining or movie benefits
  • Reward points excluded on fuel, rent, wallet, EMI, and many categories
  • Grocery rewards capped at 1,000 points per month
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: 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: Self-employed resellers and wholesalers who regularly shop on Flipkart Wholesale and want to maximize cashback on business purchases and utility payments.
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

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

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

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

Pros

  • Zero joining fee with Rs 499 annual fee waivable at Rs 3L spend
  • 5% cashback on Flipkart Wholesale spends up to Rs 2,000 per month
  • 5% cashback on telecom, utility, government and tax payments
  • 1% cashback on all other spends with Rs 25,000 monthly cap
  • Up to 50 days interest-free credit period
  • 1% fuel surcharge waiver at all fuel stations

Cons

  • Cashback on utility and telecom payments capped at low Rs 250 per month
  • No lounge access, insurance, or lifestyle benefits
  • 3.5% forex markup makes it poor for international use
  • Limited to self-employed individuals with Flipkart Wholesale membership
  • No cashback on rent, education, fuel, wallet, and EMI transactions
Read full review
Best for: Best Price store members and self-employed individuals who frequently shop at Best Price wholesale stores and want reward points on everyday business spends
Best Price Save Max HDFC Bank

Best Price Save Max HDFC Bank

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

Annual fee

₹1,000

#45

Rewards rate

₹0.40 - ₹1.20/₹100

#77

Joining fee

₹1,000

#43

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
International Lounge
8/year #12
Min Credit Score
700+ #3
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 6 reward points per Rs.150 on Best Price spends
  • 8 complimentary lounge visits per year
  • Rs.50 lakh air accident cover
  • Fuel surcharge waiver at all stations
  • Low annual fee of Rs.1,000 with easy waiver

Cons

  • Card sourcing has been stopped for new applicants
  • Reward point value is low at Rs.0.30 per point
  • Available only to Best Price store members
  • 3.5% forex markup is high
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: 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: Frequent Tata Neu shoppers (BigBasket, Croma, Titan, Air India, Taj Hotels), UPI users with RuPay variant, and international travellers.
Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

3.8 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹1.50 - ₹7.50/₹100

#14

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 10% NeuCoins on select Tata Neu categories
  • 5% NeuCoins on wide Tata brand ecosystem
  • 1.5% on all other spends including UPI
  • Low forex markup of 1.99%
  • Priority Pass with 4 intl lounge visits
  • Annual fee offset by welcome NeuCoins

Cons

  • Domestic lounge requires Rs. 75K quarterly spend
  • NeuCoins only redeemable in Tata ecosystem
  • No complimentary insurance
  • No fuel rewards
  • Monthly caps on grocery, utility, UPI NeuCoins
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 Swiggy users who order food, groceries via Instamart, and dine out regularly. Also great for online shoppers on Amazon, Flipkart, Myntra, and other platforms.
Swiggy HDFC Bank

Swiggy HDFC Bank

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

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹7.50/₹100

#14

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, Dining, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on Swiggy platform spends
  • 5% cashback on popular online shopping platforms including Amazon and Flipkart
  • Low annual fee of Rs 500 with easy Rs 2 lakh waiver
  • Cashback credited directly as statement credit
  • Mastercard World tier benefits including golf and hotel discounts
  • Complimentary Swiggy One membership worth Rs 1,199 on activation

Cons

  • No airport lounge access
  • No fuel surcharge waiver and fuel spends excluded from cashback
  • High forex markup of 3.5% plus GST
  • Cashback caps limit maximum earning to Rs 3,500 per month
  • Many common categories like rent, wallet, and EMI excluded from earning
Read full review

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