Showing 44 cards
Best for: Flipkart, Myntra shoppers, online shopping enthusiasts
Flipkart Axis Bank
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
₹500
#112Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹15,000
Categories Cashback, Entry Level, Lifestyle, Shopping
CardNitty's take
Pros
- 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% unlimited on Swiggy/Uber, Low income requirement Rs 15K, Fee waiver on Rs 3.5L spend
Cons
- No lounge access (removed June 2025), Cashback caps on Flipkart/Myntra Rs 4K/quarter, 3.5% forex markup, Limited travel benefits
Best for: Flipkart and Myntra shoppers seeking high cashback on online purchases
Flipkart Axis Bank
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹1.50 - ₹6.25/₹100
#30Joining fee
₹500
#112Interest rate
52.86%
#280 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Categories Cashback, Lounge Access, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹350000
- Direct cashback instead of points - no redemption hassle
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 52.86% on revolving credit
- High income requirement of ₹300K per month
Best for: Online shoppers, food delivery users, young professionals
HDFC Millennia
APPLY NOW
on HDFC Bank's website
Annual fee
₹1,000
#183Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹1,000
#183Interest rate
43.20%
#237 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
700+
#54
Min Monthly Income ₹25,000
Categories Cashback, Dining, Entry Level, Lifestyle, Shopping
CardNitty's take
Pros
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & more
- 1% cashback on all other spends
- Low annual fee of Rs 1,000 (waived on Rs 1L spend)
- Good for online shopping and food delivery
- Fuel surcharge waiver (1%)
- CashPoints = Rs 1 value
Cons
- High forex markup (3.5%)
- No travel insurance
- Cashback capped at 1,000 points per month on 5% category
- No lounge access by default (only via quarterly milestone)
- Age limit of 40 years
Best for: Bill payment maximizers, food delivery users, cashback seekers
Axis ACE
APPLY NOW
on Axis Bank's website
Annual fee
₹499
#75Rewards rate
₹1.50 - ₹5.00/₹100
#49Joining fee
₹499
#78Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Min Monthly Income ₹25,000
Categories Cashback, Entry Level, Lifestyle
CardNitty's take
Pros
- 5% on bills via GPay, 4% Swiggy/Zomato/Ola, 1.5% everywhere else, Low annual fee Rs 499, 4 domestic lounges
Cons
- Rs 500/month cap on 5%+4% categories, GPay bills only on Android, Lounge needs Rs 50K/quarter spend, No international lounge
Best for: Online shoppers, e-commerce enthusiasts, simple cashback seekers
SBI Cashback
APPLY NOW
on SBI Cards's website
Annual fee
₹999
#165Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Categories Cashback, Shopping
CardNitty's take
Pros
- 5% cashback on ALL online purchases. No merchant restrictions. 1% on offline. Simple auto-credited cashback. Free add-on cards
Cons
- No lounge access. No fuel cashback. Rs 5K monthly cap. 3.5% forex markup
Best for: Online shoppers who frequently shop on Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore, earning 3.3% value back on these platforms.
HDFC MoneyBack Plus
Annual fee
₹500
#113Rewards rate
₹0.33 - ₹3.33/₹100
#96Joining fee
₹500
#112Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Cashback, Entry Level, Shopping
CardNitty's take
Pros
- 10X CashPoints (3.3% value back) on Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore
- Quarterly milestone benefit of Rs.500 gift voucher on Rs.50,000 spend
- Low annual fee of Rs.500 with easy waiver at Rs.50,000 annual spend
- 1% fuel surcharge waiver on transactions between Rs.400-Rs.5,000
- 10% additional discount on Swiggy Dineout
- Welcome and renewal benefits of 500 CashPoints each
Cons
- No airport lounge access
- Maximum 2,500 CashPoints per month on 10X category (caps at Rs.18,750 spend)
- No reward points on fuel, rent, government payments, wallet loads, and EMI transactions
- Base reward rate of 0.33% is relatively low for non-partner spends
- High forex markup of 3.5% makes it unsuitable for international transactions
Best for: Entry-level cashback card, low annual fee
HDFC MoneyBack
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹0.33/₹100
#270Joining fee
₹500
#112Interest rate
41.40%
#82 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Cashback, Entry Level
CardNitty's take
Pros
- Very low fee, easy approval, basic cashback
Cons
- Low reward rate, minimal benefits, no lounge access
Best for: Beginners, first-time credit card users, young professionals
Slice Super
APPLY NOW
on Slice's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Cashback, Entry Level, Fuel, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual fees ever|Up to 2% cashback on all transactions|Pay in 3 EMIs with 0% interest|Fuel surcharge waiver up to Rs 200/month|Easy approval with minimal documentation|Works on UPI payments
Cons
- No international transactions supported|No lounge access|Lower reward rate compared to premium cards|Doesn't work on some sites like IRCTC
Best for: Digital natives, online shoppers, streaming/gaming enthusiasts
HDFC Pixel Play
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹3.00/₹100
#49Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Lifestyle, Shopping
CardNitty's take
Pros
- 5% cashback on 2 customizable packs (Myntra, Nykaa, Zomato, BookMyShow, etc.)
- 3% cashback on 1 e-commerce (Amazon/Flipkart/PayZapp)
- 1% unlimited cashback on all other spends
- 1% on UPI spends (RuPay variant) - 500 points/month cap
- Digital-first card managed via PayZapp app
- Instant digital card issuance
- Customize cashback categories every 3 months
- Low annual fee of Rs 500, waiver at Rs 1L
- 1% fuel surcharge waiver (capped Rs 250/month)
- 10% off via Swiggy Dineout
- RuPay variant available for UPI rewards
Cons
- 5% cashback capped at 500 points/month per pack
- 3% e-commerce capped at 500 points/month
- No airport lounge access
- Higher forex markup of 3.5%
- No rewards on fuel, rent, EMI, wallet, govt spends
- Requires PayZapp app for management
- Not a physical card by default
Best for: First-time card users, beginners, low-income earners
HDFC Pixel Go
APPLY NOW
on HDFC Bank's website
Annual fee
₹250
#63Rewards rate
₹1.00 - ₹3.00/₹100
#49Joining fee
₹250
#69Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Cashback, Entry Level
CardNitty's take
Pros
- 5% cashback on SmartBuy
- 1% unlimited cashback on all other spends
- 1% on UPI spends (RuPay variant)
- Very low annual fee of Rs 250
- Fee waiver at Rs 1L spend
- Digital-first card via PayZapp app
- Instant digital card issuance
- Up to 25% off via Swiggy Dineout
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- One-click EMI conversion from PayZapp
- Low income requirement (Rs 12K/month)
Cons
- Lower reward rates than Pixel Play
- 5% only on SmartBuy platform
- No airport lounge access
- Higher forex markup of 3.5%
- No rewards on fuel, rent, EMI, wallet, govt spends
- Min 500 CashPoints for redemption
- No rewards on transactions below Rs 100
Best for: Airtel users seeking cashback on telecom and lifestyle spends
Airtel Axis Bank
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50 - ₹15.00/₹100
#7Joining fee
₹500
#112Interest rate
N/A
Card details
Categories Cashback, Lifestyle
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Direct cashback instead of points - no redemption hassle
Cons
- No complimentary lounge access
- High income requirement of ₹300K per month
Best for: International travelers, travel app users, budget-conscious users wanting premium benefits
Federal Bank Scapia
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹10.00 - ₹12.50/₹100
#8Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Cashback, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime FREE - zero joining and annual fee
- 0% forex markup - saves 2-3.5% on international transactions
- 10% Scapia Coins on all spends (2% effective cashback)
- 20% Scapia Coins on travel bookings (4% cashback)
- Unlimited domestic lounge access (with Rs.10K spend)
- Dual network: Visa + RuPay for UPI credit
- No-cost EMI on travel bookings
- Virtual card activated instantly
Cons
- No rewards on international transactions (forex benefit only)
- No international lounge access
- Coins redeemable only for travel on Scapia app
- Categories excluded: rent, fuel, utilities, gift cards
- Standard 45% APR interest rate
- Airport benefits limited to domestic
Best for: Digital-first UPI users
Edge CSB RuPay
APPLY NOW
on CSB Bank's website
Annual fee
FREE
#1Rewards rate
₹2.00 - ₹7.50/₹100
#14Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free for first 200K users
- 2% cashback on chosen category
- UPI-enabled credit card
- 4 domestic lounge visits per year
- Rs.10 lakh personal accident insurance
- Rs.250 welcome voucher
Cons
- Base cashback only 0.4%
- Monthly cashback cap of Rs.3,000
- RuPay limited internationally
- No rewards on fuel, rent, utilities
Best for: Entry-level cardholders with low monthly spends
Altura
APPLY NOW
on AU Small Finance Bank's website
Annual fee
₹199
#59Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
₹199
#66Interest rate
41.88%
#88 Card details
Forex Markup
3.49%
#73
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Entry Level
CardNitty's take
Pros
- 2% cashback on groceries, utilities
- 1% cashback on all other spends
- 5% welcome cashback up to Rs.125
- Low annual fee of Rs.199 with easy waiver
- 2 railway lounge visits per quarter
- 1% fuel surcharge waiver
Cons
- Very low cashback cap of Rs.50 per month
- High forex markup of 3.49%
- No airport lounge access
- Low reward value for high spenders
- No insurance coverage
AU LIT
APPLY NOW
on AU Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹0.25/₹100
#276Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Cashback
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Cashback, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Axis Bank Cashback
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Entry Level
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Amazon shoppers, Prime members, cashback seekers
Amazon Pay ICICI
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
45.60%
#259 Card details
Forex Markup
1.99%
#33
Min Credit Score
700+
#54
Categories Cashback, Entry Level, Lifetime Free, Shopping
CardNitty's take
Pros
- 5% cashback on Amazon for Prime, Lifetime free, Low forex markup 1.99%, No reward expiry, Instant virtual card
Cons
- No lounge access, No travel benefits, Cashback excluded on fuel/rent/utilities, Lower rewards for non-Prime
Best for: Students, first-time cardholders, and credit score beginners
Super Card
APPLY NOW
on Slice Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹100.00 - ₹152.50/₹100
#2Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
0
View full details
Categories Cashback, Entry Level, Lifetime Free, Rewards, Student
CardNitty's take
Pros
- Lifetime free with no joining or annual fees
- Up to 3% cashback on all spends
- No credit score required - perfect for beginners
- Instant digital onboarding via app
- Slice in 3 feature: 0% interest EMI for 3 months
- Slice Sparks partner offers and discounts
- Credit limit up to Rs.10 lakh
- Fuel surcharge waiver up to Rs.200/month
- UPI-enabled RuPay credit card
Cons
- No lounge access benefits
- No insurance coverage
- Lower rewards compared to premium cards
- Domestic use only - no international transactions
- High interest on delayed payments (36% p.a.)
- No add-on cards available
- ATM withdrawal charges apply
- Rewards not earned on split EMI payments
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: App-first users, cashback seekers, metal card lovers
BOB Financial OneCard
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
2.00%
#38
Min Credit Score
650+
#13
Categories Cashback, Fintech, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- Metal card design
- 1-5% category-based cashback
- App-based instant approval
- Low forex markup of 2%
- EMI conversion at 0% interest
- Virtual card available instantly
- Dynamic credit limit
Cons
- No airport lounge access
- No reward points (only cashback)
- Limited to OneCard app ecosystem
- No add-on cards available
- Cashback may have caps
Best for: Weekend shoppers, online shopping enthusiasts, users seeking lifetime free cards, Amazon/Zomato regulars, budget-conscious millennials
Fi MagniFi Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
730+
#180
Min Monthly Income ₹20
Categories Cashback, Lifestyle, No Annual Fee, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - zero joining and annual fees forever
- 5% cashback on all weekend spends (Saturday & Sunday)
- 20% instant discount on Amazon, Zomato, Zepto, BookMyShow (weekends)
- Up to 50% off on gift vouchers
- 1,000 Fi-Points welcome bonus on first Rs 1,000 spend
- Monthly reward cap of 2,000 Fi-Points (Rs 500 value) protects profitability
- Fi-Points never expire - redeem for cash, flights, miles, vouchers
- Fully digital app-based card management via Fi Money app
- Easy redemption - no minimum threshold or redemption fees
- Perfect for weekend warriors and online shoppers
Cons
- Very low weekday rewards - only 0.5% cashback
- No lounge access benefits whatsoever
- No travel or personal accident insurance coverage
- High forex markup of 3.5% (poor for international travel)
- High interest rate of 45% per annum on unpaid balances
- Monthly reward cap of 2,000 Fi-Points limits high spenders
- Partner discounts limited to 4 brands (Amazon, Zomato, Zepto, BookMyShow)
- Cash withdrawals not permitted on this card
- Fuel, utilities, wallets, rent excluded from rewards
- 20% partner discount capped at Rs 100 per brand per month
Best for: Online shoppers who make at least 4 transactions per month
Cashback
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Entry Level, Fuel, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹100000
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Offline grocery shoppers, supermarket spends, entry-level users
Manhattan Platinum Credit Card
APPLY NOW
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: Frequent Ola cab users and food delivery users
Ola Money SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹6.00/₹100
#37Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifestyle
CardNitty's take
Pros
- 7% cashback on Ola rides (up to Rs 500/month). 5% cashback on dining. 1% fuel surcharge waiver. Low annual fee of Rs 499.
Cons
- Cashback caps are relatively low. Benefits tied to Ola ecosystem. Low credit limits.
Best for: Swiggy power users, food delivery enthusiasts, online shoppers
Swiggy HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹5.33/₹100
#14Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Cashback, Dining, Lifestyle
CardNitty's take
Pros
- 10% cashback on Swiggy App (Food, Instamart, Dineout, Genie)
- 5% cashback on online spends (Apparels, Electronics, Cabs, Entertainment)
- 1% cashback on other spends
- Low joining fee of Rs 500
- Fee waiver at Rs 2L annual spend
- 3-month Swiggy One membership as welcome benefit
- 4 complimentary golf rounds per year (Mastercard World)
- Up to Rs 42,000 annual savings potential
- Low income requirement (Rs 15K/month)
- Contactless payments enabled
Cons
- No airport lounge access
- Cashback caps: Rs 1,500/cycle on Swiggy, Rs 1,500/cycle online, Rs 500/cycle others
- No rewards on fuel, rent, EMI, wallet, jewelry, govt transactions
- No rewards on Swiggy Money, Swiggy Minis, Swiggy Liquor
- Higher forex markup of 3.5%
- Minimum Rs 100 transaction required for cashback
Metro
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: PhonePe power users and online shoppers
PhonePe SBI Card SELECT BLACK
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹1.00 - ₹7.50/₹100
#14Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Lounge Access, Rewards, Shopping
CardNitty's take
Pros
- 10% rewards on PhonePe transactions - industry leading for UPI payments
- 5% rewards on online spends - excellent for e-commerce
- Priority Pass membership included for 2 years
- 4 domestic airport lounge visits per year
- Rs 5,000 Yatra voucher on Rs 5 lakh annual spend
Cons
- 3.5% forex markup is higher than premium cards
- Rs 3 lakh spend required to waive annual fee is significant
- Reward caps limit earning potential for heavy spenders
- No international lounge access beyond Priority Pass membership
Best for: Frequent BookMyShow users, movie enthusiasts, entertainment spenders, SuperStar members
Play Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50 - ₹7.50/₹100
#14Joining fee
₹500
#112Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Cashback, Entertainment, Lifestyle, Low Fee
CardNitty's take
Pros
- Rs.500 welcome discount on BookMyShow within 30 days
- 2 free movie tickets monthly (Rs.250 each) on Rs.5,000 spend
- Rs.100 F&B discount every month with movie bookings
- Lifetime free for BookMyShow SuperStar members
- Annual fee waiver on Rs.1.5 lakh annual spend
- Up to Rs.6,000 annual movie savings potential
- 1% fuel surcharge waiver (Rs.500-4,000, max Rs.100/month)
- Low joining and annual fee of only Rs.500 + GST
- Accessible eligibility: Rs.25,000 monthly income
- Available on both Visa and Mastercard networks
- Invite-only through BookMyShow partnership
- Rewards redeemable for vouchers and merchandise
Cons
- No lounge access (domestic or international)
- No insurance coverage (travel, accident, lost baggage)
- High forex markup of 3.5% (poor for international use)
- Very high APR of 47.88% annually (3.99% monthly)
- Limited rewards on non-BookMyShow spending
- Rs.5,000 monthly spend required for movie benefits
- Monthly benefit capped at 2 tickets (Rs.500 max)
- No rewards on fuel, rent, wallet, utilities, insurance
- Invite-only card - not directly available
- F&B discount requires booking 2 movie tickets
- Benefits only via BookMyShow platform
- No milestone rewards beyond monthly benefits
YES Kiwi Klick RuPay
APPLY NOW
on Yes Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
YES Uni
APPLY NOW
on Yes Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
1.99%
#33
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Cashback, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Low forex markup of 1.99% - great for international spends
- Extended interest-free period of 51 days
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Kotak 811
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
600+
#8
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: RBL Signature Banking customers, cashback seekers, domestic travelers, frequent shoppers
Signature Banking Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.00 - ₹4.00/₹100
#91Joining fee
FREE
#1Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Cashback, Lounge Access, Premium, Shopping, Travel
CardNitty's take
Pros
- Lifetime free for Signature Banking customers
- 4% unlimited cashback on flights, hotels, and shopping
- 1% cashback on all other purchases (up to Rs.1,500/month)
- Rs.2,000 cashback on Rs.4 lakh annual spend
- Additional Rs.4,000 cashback on Rs.6 lakh annual spend
- Total potential Rs.6,000 milestone cashback annually
- 2 domestic lounge visits per quarter (8 per year)
- 2 international Priority Pass visits annually
- Buy 1 Get 1 movie tickets monthly on BookMyShow (up to Rs.250)
- Cashback credited directly to RBL savings account
- Annual fee Rs.2,500 waived for account holders
- Priority banking relationship benefits
Cons
- Exclusive to Signature Banking customers only
- Rs.2,500 annual fee for non-Signature customers
- 1% cashback capped at Rs.1,500 per billing month
- Limited international lounge access (2 visits/year)
- High forex markup of 3.5% (not ideal for travel)
- Very high APR of 47.88% annually (3.99% monthly)
- Cashback redemption fee of Rs.99 + GST
- Cashback expires if not redeemed within 3 months
- No cashback on groceries, dining, fuel, utilities
- No cashback on wallet loads, government payments
- Requires maintaining Signature Banking relationship
- Limited insurance coverage details available
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: Online shoppers, frequent travelers, fintech-savvy users, Amazon/Flipkart/Swiggy regulars
Fi AmpliFi Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
₹2,000
#221Rewards rate
₹0.60 - ₹3.00/₹100
#101Joining fee
₹2,000
#223Interest rate
41.88%
#88 Card details
Domestic Lounge
1/year
#120
Min Credit Score
750+
#186
Min Monthly Income ₹20
Categories Cashback, Lifestyle, Rewards, Shopping, Travel
CardNitty's take
Pros
- 3% value back on top 20+ brands (Amazon, Flipkart, Swiggy, etc.)
- Zero forex markup on international transactions
- Welcome benefits worth Rs 4,250 against Rs 2,000 joining fee
- No monthly cap on earning and redemption of Fi-coins
- Fi-coins never expire (2-year validity, auto-renewed on usage)
- Quarterly lounge access with low Rs 10,000 spend criteria
- Annual fee waiver on Rs 2.5 lakh spend
- Monthly BookMyShow BOGO offer up to Rs 200
- Milestone benefits worth Rs 7,000 on Rs 4 lakh annual spend
- Fully digital app-based card management
Cons
- Low base reward rate of only 0.6% on most spends
- High joining and annual fee of Rs 2,000 each
- 5X rewards (3%) requires Rs 15,000 monthly spend
- Only 4 lounge access visits per year (quarterly)
- No travel insurance or personal accident coverage
- High interest rate of 41.88% per annum
- Limited lounge access compared to premium cards
- Rent, wallet, and gold spends excluded from milestones
Ola SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹2,999
#236Rewards rate
₹1.00 - ₹7.50/₹100
#14Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Cashback, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Direct cashback instead of points - no redemption hassle
- Good insurance coverage up to ₹50 lakh
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Entry-level users seeking basic rewards and fuel benefits with low annual fees
VISA Platinum
APPLY NOW
on Union Bank of India's website
Annual fee
₹399
#73Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.50%
#75
Domestic Lounge
0/year
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Cashback, Entry Level, Fuel, Rewards
CardNitty's take
Pros
- No joining fee (only Rs.399 annual fee)
- Annual fee waived on Rs.50K annual spend
- 2 reward points per Rs.100 spent
- 1% fuel surcharge waiver (save up to Rs.100/month)
- Personal accident insurance up to Rs.2 lakhs
- Lost card insurance up to Rs.1.5 lakhs
- Interest-free period up to 50 days
- Cashback on utility bills (Rs.50/month)
- Cashback on IRCTC bookings (Rs.25)
- Flexible EMI options (3/6/9/12 months)
- Wide acceptance - 9 lakh merchants in India, 29 million globally
- 24x7 customer support (1800 425 1515)
Cons
- No complimentary lounge access
- Low reward rate (0.5% effective return)
- Reward points valid for only 3 years
- Minimum 100 points required for redemption
- Limited cashback offers (max Rs.50/month on utilities)
- High interest rate on cash advance (30% p.a.)
- Cash advance fee of 2.5% per transaction
- No milestone rewards or bonus points
- No dedicated lifestyle or dining benefits
- Not ideal for premium lifestyle needs
- Modest insurance coverage vs premium cards
Best for: Budget-conscious PhonePe users and online shoppers
PhonePe SBI Card PURPLE
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Rewards, Shopping
CardNitty's take
Pros
- 3X rewards on PhonePe and Pincode transactions
- 2X rewards on all online spends
- Low annual fee of Rs 499, easy to waive with Rs 1 lakh spend
- Rs 500 PhonePe Gift Card as welcome benefit
- Rs 3,000 Yatra voucher on Rs 3 lakh annual spend
Cons
- Lower rewards compared to SELECT BLACK variant
- No lounge access benefits
- No Priority Pass membership
- 3.5% forex markup is high for entry-level card
IndianOil Kotak
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹1.00/₹100
#190Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Fuel
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Jupiter Edge
APPLY NOW
on Jupiter's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
2.50%
#63
Domestic Lounge
4/year
#61
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free, Lounge Access
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Good reward rate of up to ₹5.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- Limited lounge access (4 visits per year)
- High interest rate of 42.00% on revolving credit
Standard Chartered Super Value Titanium
APPLY NOW
on Standard Chartered's website
Annual fee
₹749
#157Rewards rate
₹0.25 - ₹1.25/₹100
#175Joining fee
₹749
#157Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹72000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Aspire Banking customers, online shoppers, portal users, relationship banking seekers
Aspire Banking Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹1,500
#206Rewards rate
₹1.00 - ₹3.00/₹100
#101Joining fee
₹1,500
#207Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
750+
#186
Categories Banking, Cashback, Lifestyle, Lounge Access
CardNitty's take
Pros
- Lifetime free for Aspire Banking customers
- 1% cashback on all eligible purchases (up to Rs.1,000/month)
- 3% unlimited cashback on RBL Rewards Portal (flights, hotels, vouchers)
- Rs.4,500 milestone cashback on Rs.5 lakh annual spend
- 1 domestic lounge visit per quarter (on Rs.35K spend)
- BookMyShow Buy 1 Get 1 movie offer (up to Rs.150/month)
- Wealth building: 6.5% savings + 7.2% FD interest
- Cashback credited directly to savings account
- Low annual fee of Rs.1,500 for non-Aspire customers
- Accessible eligibility criteria
- Fuel surcharge waiver benefits
- No complex reward point calculations
Cons
- Exclusive to Aspire Banking customers for lifetime free
- Requires Rs.1 lakh AMB or Rs.5 lakh TRV for Aspire Banking
- Limited lounge access (only 1 per quarter, needs Rs.35K spend)
- Rs.1,000 monthly cap on 1% general cashback
- 3% cashback only via RBL Rewards Portal (not all merchants)
- No cashback on groceries, dining, fuel, entertainment, utilities
- High forex markup of 3.5% (poor for international use)
- High APR of 47.88% on outstanding balances
- Rs.99 + GST redemption fee for cashback
- No travel insurance or comprehensive coverage
- Movie benefit limited to Rs.150 per month
- Unused lounge visits don't carry forward
Best for: Flipkart and Myntra shoppers seeking high cashback on purchases
Flipkart SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
₹500
#112Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Categories Cashback, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹350000
- Good reward rate of up to ₹7.50 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹300K per month
Best for: Cashback seekers wanting high returns on online shopping and dining
HSBC Cashback
APPLY NOW
on HSBC's website
Annual fee
₹750
#158Rewards rate
₹1.50 - ₹5.00/₹100
#49Joining fee
₹750
#158Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Categories Cashback, Lifestyle
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Good reward rate of up to ₹5.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹480K per month