Showing 8 cards
Best for: Entry-level users, UPI spenders, budget travelers
AU SPONT Credit Card
APPLY NOW
on AU Small Finance Bank's website
Annual fee
₹299
#69Rewards rate
₹1.00 - ₹252.50/₹100
#1Joining fee
₹299
#75Interest rate
43.08%
#236 Card details
Forex Markup
3.49%
#73
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹10
Categories Beginner, Cashback, Lifestyle, Lounge Access, RuPay
CardNitty's take
Pros
- 1% cashback on all UPI and retail transactions
- Never-expiring reward coins on AU0101 app UPI
- 500 coins welcome bonus on first UPI transaction
- Low annual fee of Rs.299 with Rs.1L spend waiver
- 8 airport + 8 railway lounge visits per year
- Fuel surcharge waiver up to Rs.100/month
- Lifetime free add-on cards for family
- Zero liability on lost/stolen card fraud
- Tap & pay for contactless payments
- RuPay credit card with UPI support
Cons
- Cashback capped at Rs.500 per month
- Lounge access needs Rs.20,000 quarterly spend
- No cashback on fuel, rent, EMI, insurance
- High 3.49% forex markup for international use
- Low 1% base cashback rate
- 5.59% monthly interest rate (43.08% p.a.)
- Reward redemption fee of Rs.99 + GST
- High late payment fees up to Rs.1,300
- Limited to Rs.10,000 minimum income segment
Best for: Offline grocery shoppers, supermarket spends, entry-level users
Manhattan Platinum Credit Card
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on Standard Chartered's website
Annual fee
₹999
#165Rewards rate
₹2.00 - ₹5.00/₹100
#49Joining fee
₹999
#166Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Beginner, Cashback, Grocery, Shopping
CardNitty's take
Pros
- 5% cashback on groceries, supermarkets & departmental stores
- 5,000 bonus reward points on joining (worth Rs.1,500)
- BookMyShow vouchers worth Rs.2,000 on first transaction
- Contactless tap & pay feature
- Annual fee waiver on Rs.1.2L spend
- Easy redemption via 360-degree Rewards portal
- Standard Chartered Good Life programme discounts
- Accepted at merchant outlets globally
- Zero liability on lost/stolen card fraud
- Up to 50 days interest-free period
Cons
- No airport/railway lounge access
- Cashback capped at Rs.500/month and Rs.150/transaction
- 5% cashback only on offline grocery stores (min Rs.1,000)
- Low reward rate of 2% on general spends
- High annual fee of Rs.999
- High 3.5% forex markup
- Very high interest rate at 45% p.a.
- 1% fuel surcharge not waived
- Not accepting new applications currently
- Online grocery stores excluded from cashback
Best for: First-time credit card users, value seekers, domestic travelers
Canara Bank Platinum Credit Card
APPLY NOW
on Canara Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.00%
#71
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹10
Categories Beginner, Lifetime Free, Lounge Access, Rewards, RuPay
CardNitty's take
Pros
- Lifetime free - zero joining and annual fees
- 2 reward points per Rs.100 spent on all transactions
- Domestic lounge access twice per quarter (8 visits/year)
- One complimentary guest lounge visit per quarter
- Comprehensive insurance: Rs.8L air accident (self), Rs.4L (spouse)
- Baggage insurance Rs.25,000 + purchase protection Rs.25,000
- 1% fuel surcharge waiver (Rs.400-5,000 transactions)
- Fraud protection up to Rs.5 lakhs
- Credit limit up to Rs.25 lakh
- Up to 50 days interest-free period
Cons
- Low reward value at Rs.0.25 per point (0.5% return)
- High 3% forex markup for international transactions
- 30% p.a. interest rate on outstanding balances
- Reward redemption requires minimum 1,000 points (Rs.250 cashback)
- Points valid only for 3 years from accrual
- No cashback on fuel, rent, EMI, cash withdrawals
- No milestone benefits or spend-based rewards
- Basic entry-level card with limited premium features
- Lounge access restricted to domestic airports only
- Higher income requirement (Rs.3 lakh p.a.) for some sources
Best for: First-time cardholders, grocery shoppers, Zomato/BookMyShow users, credit builders
BankBazaar SaveMax Credit Card
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on RBL Bank's website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹2.00/₹100
#143Joining fee
FREE
#1Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Beginner, Co-Branded, Grocery, Lifetime Free
CardNitty's take
Pros
- Lifetime FREE - no joining or annual fee
- 5x rewards on groceries (2.5% return, capped at 1,000 points/month)
- 10% cashback on Zomato (up to Rs.100/month)
- 10% instant discount on BookMyShow (up to Rs.100/month)
- Free monthly credit advisory report from BankBazaar
- Lifetime-free CreditStrong subscription
- Pre-approved loans without documentation
- Air India Rs.1,000 off on international flights
- EMI conversion on purchases above Rs.2,500
Cons
- No airport lounge access
- No insurance coverage
- 3.5% forex markup
- High APR of 47.88%
- Modest base reward rate (0.2% on general spends)
- Monthly caps on bonus rewards
- Reward redemption fee of Rs.99+GST
- Many categories excluded from rewards
- Invite-only through BankBazaar partnership
Best for: Online shoppers, utility bill payments, entry-level users
Smart Credit Card
APPLY NOW
on Standard Chartered's website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
₹499
#78Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Beginner, Cashback, Online Shopping
CardNitty's take
Pros
- 2% cashback on all online transactions
- 1% cashback on offline spends
- Up to Rs.18,000 annual cashback (Rs.1,500/month cap)
- Extended 90-day interest-free period for new cardholders
- Never-expiring cashback points
- Low annual fee of Rs.499 with Rs.1.2L waiver
- EMI conversion up to Rs.5 lakh (0.99% p.m.)
- Balance transfer facility available
- Cashback on utilities, groceries, shopping
- Minimal exclusions (only fuel and cash withdrawals)
Cons
- No lounge access (domestic or international)
- No milestone benefits or welcome bonus
- Rs.1,500 monthly cashback cap (Rs.1,000 online + Rs.500 offline)
- Minimum Rs.2,500 balance required for redemption
- High forex markup at 3.5% + GST
- No fuel surcharge waiver
- High interest rate at 45% p.a.
- Rs.99 + GST redemption fee
- Annual fee not waived for first year (for existing SCB customers)
- Joining fee waiver only for new-to-bank customers
Best for: First-time credit card users, basic spenders, PNB account holders
Visa Classic Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
FREE
#1Rewards rate
₹0.25/₹100
#276Joining fee
FREE
#1Interest rate
35.89%
#44 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Beginner, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- 1 reward point per Rs.100 spent (Rs.0.25 value)
- Accepted at 3.80 lakh+ merchants in India
- Global acceptance at 29 million merchants worldwide
- Interest-free credit period of 20-50 days
- Balance transfer facility at lower interest rates
- EMI conversion available on big purchases
- Up to 2 add-on cards for family members
- Zero redemption fee on reward points
- Fuel surcharge waiver (1% on Rs.400-Rs.3,000)
- Contactless payment enabled
- Easy eligibility - Rs.2.4 lakh annual income
Cons
- No lounge access (domestic or international)
- Basic rewards rate at 1 point per Rs.100
- High interest rate at 35.89% per annum
- High forex markup at 3.5% + GST
- No welcome bonus or joining benefits
- No milestone benefits or accelerated rewards
- Limited insurance coverage
- No premium perks or lifestyle benefits
- Cash advance fee 2% (minimum Rs.150)
- 20% cash withdrawal limit only
- No fuel surcharge waiver on transactions above Rs.3,000
- Minimum CIBIL score of 700-900 recommended
Best for: Entry-level users, movie & grocery spenders, new to credit
BOBCARD Easy Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
₹500
#113Rewards rate
₹0.20 - ₹2.00/₹100
#143Joining fee
₹500
#112Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Beginner, Grocery, Lifestyle, Movies, Rewards
CardNitty's take
Pros
- Lifetime free offer till 31st Dec 2025
- 5X rewards on movies, groceries & departmental stores
- Up to 10X rewards on travel bookings via BOBCARD SmartDeal
- Low annual fee of Rs.500 with Rs.35K spend waiver
- 1% fuel surcharge waiver up to Rs.250/month
- 0.5% cashback on timely bill payments
- Up to 3 lifetime free add-on cards
- Interest-free credit up to 50 days
- Available on Visa, Mastercard & RuPay platforms
- Zero liability on fraudulent transactions
Cons
- 5X rewards capped at 1,000 points per statement cycle
- Lounge access requires Rs.40K quarterly spend from 2025
- No reward points on fuel transactions
- High 3.5% forex markup for international use
- 3.75% monthly interest rate (45% p.a.)
- Limited lounge access for entry-level card
- High cash advance fees (2.5%-3%)
- Select categories excluded from rewards
- Minimum Rs.25,000 credit limit
- Limited premium benefits
Best for: Regular retail spenders, domestic travelers, entry-level reward seekers
Standard Chartered Rewards Credit Card
APPLY NOW
on Standard Chartered Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.67/₹100
#232Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Beginner, Lifestyle, Lounge Access, Mastercard, Rewards
CardNitty's take
Pros
- Zero joining fee, annual fee Rs.1,000 (first year free)
- 8X rewards on retail spends above Rs.20,000/month
- 4 complimentary domestic lounge visits per year
- Annual fee reversed on Rs.1.5L annual spend
- 4,000 bonus points if annual fee is charged
- 1% fuel surcharge waiver (max Rs.400/month)
- No cap on base reward points
- Zero liability on lost/stolen card fraud
- Tap & Pay contactless payments
- Annual fee waiver threshold achievable
Cons
- Low base reward rate of 0.53-0.67%
- Bonus rewards capped at 2,000 points/month
- Rs.20,000 monthly spend needed for bonus rewards
- Redemption fee of Rs.99 + GST per request
- No rewards on fuel, cash withdrawals
- Minimal rewards on insurance/govt spends (1 point per Rs.150)
- High 3.5% forex markup fee
- No international lounge access
- Point redemption ratio 4:1 for statement credit
- High 45% APR interest rate