Showing 5 cards
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: Family expenses, healthcare, groceries, utility bills
Mastercard Imperio
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on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
32.28%
#32 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Family, Grocery, Lifetime Free, Utility
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on healthcare and grocery spending
- 2x rewards on utility bill payments
- 2 domestic lounge visits per quarter
- Rs.400 Amazon voucher on Rs.5K spend in 30 days
- Rs.300 BigBasket voucher on Rs.50K quarterly spend
- 1% fuel surcharge waiver (up to Rs.100/month)
- BOGO movie tickets on INOX (once per quarter)
- Low APR starting from 8.28% per annum
- 15% dining discount via FedDelights program
Cons
- Very low base reward rate (0.17% on general spends)
- Annual fee waiver requires Rs.1.5L spend/year
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access vs premium cards
- Reward points valid for only 1 year
- Quarterly spend threshold for lounge access
- No international lounge access
- Lower point value vs competitors
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: Budget shoppers, Wednesday grocery/pizza spenders, entry-level users (discontinued)
Titanium Delight Credit Card
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on RBL Bank's website
Annual fee
₹750
#158Rewards rate
₹0.25 - ₹5.00/₹100
#49Joining fee
₹750
#158Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, Entry Level, Grocery, Rewards
CardNitty's take
Pros
- Low annual fee of Rs.750 (free on Rs.1.5L spend)
- 20 reward points/Rs.100 on pizza (Wednesdays) - 5% return
- 10 reward points/Rs.100 on grocery (Wednesdays) - 2.5% return
- 2,000 welcome bonus points on first transaction
- 1,000 bonus points on Rs.10K spend in 60 days
- 4,000 milestone bonus on Rs.1.5L annual spend
- 1+1 movie tickets or Rs.200 off on BookMyShow (monthly)
- 100% fuel surcharge waiver (Rs.500-4,000, max Rs.100/month)
- Wednesday-focused benefits for groceries and dining
- Low entry barrier - ideal for first credit card
Cons
- Card no longer accepting new applications (discontinued)
- Very low base reward rate (0.25% on regular spends)
- Limited rewards to specific categories and days
- Reward redemption fee of Rs.99 + GST per day
- No complimentary airport lounge access
- No travel insurance or comprehensive coverage
- 3.5% forex markup higher than premium cards
- High APR of 47.88% on outstanding balances
- Monthly caps on Wednesday bonus rewards (1,000 points)
- Rewards not earned on fuel, utilities, insurance
Best for: Entry-level users, movie & grocery spenders, new to credit
BOBCARD Easy Credit Card
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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