Showing 6 cards
Best for: Frequent travelers, ixigo users, international spenders
AU Ixigo Credit Card
APPLY NOW
on AU Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹1.25 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Domestic Lounge
4/year
#61
International Lounge
1/year
#55
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Co-Branded, Lifetime Free, Lounge Access, Travel, Zero Forex
CardNitty's take
Pros
- Zero forex markup on international transactions
- 16 domestic + 1 international lounge access per year
- 16 complimentary railway lounge visits annually
- 10% discount on flights, hotels, buses via ixigo
- 1000 welcome points + Rs.1,000 ixigo vouchers
- Up to 10 points per Rs.100 on train bookings
- Zero joining and annual fee (lifetime free)
- 1% fuel surcharge waiver (max Rs.250/month)
- 48 days interest-free credit period
- Up to Rs.2L comprehensive insurance coverage
Cons
- Low base reward rate of 2.5 points per Rs.100
- Points valued at only Rs.0.50 each for redemption
- Quarterly spend of Rs.20K needed for lounge access
- 10,000 points monthly cap limits earnings
- Points expire after 2 years from earning date
- Reward redemption fee of Rs.99 + GST
- No points on fuel, rent, insurance, jewellery
- High 41.88% APR interest rate
- Minimum Rs.25,000 monthly income required
- Only one AU card allowed per customer
Best for: Frequent train travelers, IRCTC bookers, railway commuters
IRCTC BOBCARD Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
₹350
#71Rewards rate
₹0.50 - ₹7.50/₹100
#14Joining fee
₹500
#112Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, Railway, Rewards, RuPay, Travel
CardNitty's take
Pros
- Up to 40 reward points per Rs.100 on peak season IRCTC bookings
- 16 points per Rs.100 on off-peak train bookings (1AC-EC class)
- Up to 10% value back on railway tickets during peak periods
- 4 complimentary railway lounge visits per year (1 per quarter)
- 1% IRCTC transaction surcharge waiver on all bookings
- 1% fuel surcharge waiver (max Rs.100 per statement)
- 500 welcome bonus points on Rs.5K spend in 60 days
- Low annual fee of Rs.350 (Rs.500 joining fee)
- 4 points per Rs.100 on grocery & departmental stores
- Redeem points as IRCTC travel points or cashback
- UPI-enabled RuPay credit card
- Up to 3 lifetime free add-on cards
- Zero liability on fraudulent transactions
- EMI conversion on purchases above Rs.2,500
Cons
- Low point value at Rs.0.25 per reward point
- High 3.5% forex markup fee for international transactions
- High 45% p.a. interest rate (3.75% per month)
- No air accident or travel insurance coverage
- No international lounge access
- Limited to railway lounge access only
- Grocery rewards capped at 1,000 points monthly
- Peak season rewards limited to specific date ranges
- Lower rewards (2 points) on general spends
- No rewards on fuel transactions
- Railway lounge access limited to select stations
- Requires Rs.5K minimum spend for welcome bonus
- Peak rewards only on premium train classes (1AC-EC)
Best for: First-time cardholders, grocery shoppers, Zomato/BookMyShow users, credit builders
BankBazaar SaveMax Credit Card
APPLY NOW
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: Patanjali loyalists, Ayurveda/wellness enthusiasts, Swadeshi supporters
PNB Patanjali RuPay Platinum
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on Punjab National Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹500
#112Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, RuPay, Shopping
CardNitty's take
Pros
- 3x reward points on Patanjali store purchases
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Exclusive discounts at Patanjali outlets
- 1-3 reward points per Rs.100 spent
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver
- Rs.2 lakh accidental insurance coverage
- NCMC functionality for transit payments
- Support for Made in India brand
Cons
- No airport lounge access
- Limited bonus rewards to Patanjali stores only
- Basic reward rate (0.25%) on non-Patanjali spends
- No welcome bonus
- 3.5% forex markup
- High APR of 35.4% per annum
- Niche appeal - best for Patanjali loyalists
Best for: Health-conscious individuals, Practo users, families needing regular consultations
Practo Plus Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹2,000
#221Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, Healthcare, Lounge Access
CardNitty's take
Pros
- Free Practo Plus membership worth Rs.4,999 for 1 year
- Unlimited 24x7 doctor consultations for entire family
- Free comprehensive health checkup on activation
- 1 HealthCash per Rs.100 spent (1% return)
- 2 domestic lounge visits per quarter
- No joining fee
- Home sample collection for health tests
- NABL/CAP accredited lab tests
- Free add-on cards
Cons
- Card discontinued - no new applications
- Rs.2,000 annual fee with no waiver option
- HealthCash can only be used on Practo platform
- No travel or accident insurance
- 3.5% forex markup
- High APR of 47.88%
- No international lounge access
- Rewards locked to Practo ecosystem
Best for: ICMAI members, Cost Accountants, finance professionals
CMA One Credit Card
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, Professional
CardNitty's take
Pros
- Designed for ICMAI (Cost Accountants) members
- 2x rewards on professional services
- Low annual fee of Rs.500
- Fee waiver on Rs.75K annual spend
- Professional networking benefits
- Rs.2 lakh personal accident insurance
Cons
- Limited to ICMAI members
- Basic reward rate on general spends
- No lounge access
- 3.5% forex markup
- High APR of 42%