Showing 88 cards
Best for: Ultra-premium travelers seeking unlimited lounge access, high-value reward redemptions, and exclusive lifestyle benefits like golf and concierge services.
HDFC Infinia Metal Edition
Annual fee
₹12,500
#290Rewards rate
₹3.33 - ₹19.16/₹100
#4Joining fee
₹12,500
#290Interest rate
23.88%
#20 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium
CardNitty's take
Pros
- Unlimited complimentary airport lounge access worldwide for primary and add-on cardholders
- Exceptional reward value at Rs. 1 per point for flights, hotels, Apple products, and Tanishq
- Up to 10x rewards on SmartBuy portal for travel and shopping
- Complimentary Club Marriott membership with 25% off dining across Asia-Pacific
- Unlimited golf games and lessons with 100% green fee waiver globally
- Rs. 3 crore air accident cover and Rs. 50 lakh overseas medical emergency cover
- 24x7 global personal concierge service
- Annual fee waiver on Rs. 10 lakh spend
Cons
- Invite-only card - cannot apply directly
- High annual fee of Rs. 12,500 + GST
- No reward points on fuel, rent, wallet loading, or government transactions
- Grocery, utility, and telecom rewards capped at 2,000 points per month
- 2% forex markup is higher than some competing premium cards
Best for: Frequent travelers wanting unlimited lounge access, Rs.1/point SmartBuy redemption, complimentary golf, and premium memberships like Club Marriott and Amazon Prime.
HDFC Diners Club Black
Annual fee
₹10,000
#277Rewards rate
₹3.33 - ₹19.16/₹100
#4Joining fee
₹10,000
#275Interest rate
43.20%
#237 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Travel
CardNitty's take
Pros
- Unlimited domestic and international lounge access for primary and add-on cardholders
- Industry-best reward redemption at Rs.1 per point on SmartBuy (flights/hotels)
- 10X rewards on SmartBuy bookings offering exceptional travel value
- 6 complimentary golf games per quarter at 150+ premium courses worldwide
- Complimentary Club Marriott, Times Prime, Amazon Prime memberships on Rs.8L spend
- Low 2% forex markup - one of the best among Indian credit cards
- 2X reward points on weekend dining at participating restaurants
Cons
- Currently not accepting new applications - upgrade or invitation only
- High annual fee of Rs.10,000 (waived at Rs.5L spend)
- Diners Club network has limited acceptance at smaller merchants
- High eligibility threshold - Rs.2.5L monthly income required
- No welcome bonus or joining benefits
American Express Platinum
APPLY NOW
on American Express's website
Annual fee
₹60,000
#304Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹60,000
#303Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1900000
- Unlimited international lounge access
- Unlimited domestic lounge access
- Comprehensive insurance coverage up to ₹11 crore
- Complimentary golf privileges
- Spa and wellness benefits
Cons
- High annual fee of ₹60000 may not suit everyone
- Significant joining fee of ₹60000
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹150K per month
Best for: Ultra-premium lifestyle, travel concierge, exclusive access
American Express Platinum Charge
APPLY NOW
on American Express's website
Annual fee
₹60,000
#304Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹60,000
#303Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
0/year
International Lounge
0/year
Min Credit Score
780+
#268
Categories Lifestyle, Lounge Access, Premium, Travel
CardNitty's take
Pros
- Exceptional travel benefits, Centurion lounge access, hotel elite status, concierge
Cons
- Highest fee in market, charge card not credit card, limited acceptance
Best for: Moderate travelers, lifestyle shoppers, professionals earning Rs 1.5L+/month
HDFC Regalia Gold
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.33 - ₹5.83/₹100
#40Joining fee
₹2,500
#228Interest rate
43.20%
#237 Card details
Forex Markup
2.00%
#38
Domestic Lounge
12/year
#23
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
CardNitty's take
Pros
- Affordable annual fee of Rs 2,500
- Rs 2,500 welcome voucher covers first year fee
- 12 domestic lounge visits per year
- 6 international Priority Pass visits
- 5X rewards on lifestyle brands (Myntra, Nykaa, Reliance Digital)
- Up to Rs 16,000 milestone benefits annually
- Swiggy One + MMT Black Gold on Rs 1L spend
- Rs 1 crore air accident insurance
- Rs 15 lakh overseas medical cover
- Low 2% forex markup
Cons
- Lower base reward rate (4 points per Rs 150)
- Point value only Rs 0.50 (vs Rs 1 for premium cards)
- Priority Pass visits charged if used in India
- Limited to 6 international lounge visits
- 5,000 points cap on lifestyle brands monthly
- 50,000 points monthly redemption cap on SmartBuy
- Rs 99 redemption fee per transaction
Best for: Movie buffs, golfers, domestic travelers, lifestyle seekers
ICICI Sapphiro
APPLY NOW
on ICICI Bank's website
Annual fee
₹3,500
#254Rewards rate
₹0.50 - ₹1.00/₹100
#190Joining fee
₹6,500
#271Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Domestic Lounge
16/year
#22
Min Credit Score
750+
#186
Min Monthly Income ₹1
Categories Dining, Entertainment, Lifestyle, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Welcome vouchers worth Rs 13,000+ on joining
- 4 domestic lounge visits per quarter (with Rs 75K spend)
- 2 international lounge visits per year
- 4 complimentary golf rounds per month
- BookMyShow Buy 1 Get 1 offer (Rs 500 off)
- 15% dining discounts
- Rs 3 Cr air accident cover
- Milestone rewards up to 20,000 points/year
Cons
- High joining fee of Rs 6,500 + GST
- Domestic lounge requires Rs 75K quarterly spend
- High forex markup of 3.5%
- Low point value (Rs 0.25 per point)
- Complex reward structure
Kotak Privy League Signature
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹10,000
#277Rewards rate
₹1.00 - ₹4.00/₹100
#91Joining fee
₹10,000
#275Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
12/year
#23
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹400000
- 4 complimentary international lounge visits per year
- Generous 12 domestic lounge visits per year
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹100K per month
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: 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
AU Zenith
APPLY NOW
on AU Small Finance Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.50 - ₹6.25/₹100
#30Joining fee
₹2,999
#236Interest rate
39.00%
#64 Card details
Forex Markup
2.00%
#38
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Good insurance coverage up to ₹50 lakh
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Kotak Zen Signature
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹3,000
#248Rewards rate
₹0.70 - ₹2.10/₹100
#142Joining fee
₹3,000
#248Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 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: 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 cardholders and young professionals seeking lifestyle discounts
Axis Bank Neo
APPLY NOW
on Axis Bank's website
Annual fee
₹250
#63Rewards rate
₹0.10 - ₹6.50/₹100
#28Joining fee
₹250
#69Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Categories Dining, Entry Level, Lifestyle
CardNitty's take
Pros
- Low annual fee of just ₹250
- Good reward rate of up to ₹8.00 per ₹100
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 45.00% on revolving credit
- High income requirement of ₹180K per month
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
Federal Bank Celesta
APPLY NOW
on Federal Bank's website
Annual fee
₹1,500
#206Rewards rate
₹0.50 - ₹1.25/₹100
#175Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Dining, Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- 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
HSBC Visa Platinum
APPLY NOW
on HSBC's website
Annual fee
₹1,500
#206Rewards rate
₹0.40 - ₹0.80/₹100
#217Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Dining, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 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
IndusInd Iconia
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,500
#227Rewards rate
₹0.50 - ₹1.50/₹100
#166Joining fee
₹2,500
#228Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
740+
#184
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Good insurance coverage up to ₹52 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: Premium lifestyle seekers with balanced reward structure
Kotak Royale Signature
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹1,999
#215Rewards rate
₹0.50 - ₹1.50/₹100
#166Joining fee
₹1,999
#216Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Categories Lifestyle, Lounge Access, Premium
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Generous 8 domestic lounge visits per year
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
Best for: Amex enthusiasts wanting lifetime-free Membership Rewards credit card
American Express Membership Rewards
APPLY NOW
on American Express's website
Annual fee
₹4,500
#258Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
₹1,000
#183Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Good insurance coverage up to ₹50 lakh
- 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 income requirement of ₹600K per month
Best for: Lifestyle enthusiasts seeking premium Amex benefits at affordable annual fee
American Express Gold Charge Card
APPLY NOW
on American Express's website
Annual fee
₹4,500
#258Rewards rate
₹1.00/₹100
#190Joining fee
₹1,000
#183Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Categories Lifestyle, Premium
CardNitty's take
Pros
- Good insurance coverage up to ₹50 lakh
- 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 income requirement of ₹600K per month
Best for: Mid-tier lifestyle card, movie and dining offers
Kotak League Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹999
#165Rewards rate
₹0.25/₹100
#276Joining fee
₹999
#166Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Categories Entertainment, Lifestyle
CardNitty's take
Pros
- Reasonable fee, movie discounts, fuel surcharge waiver
Cons
- Basic reward rate, limited lounge access
Best for: Shoppers who spend on top lifestyle brands and make international transactions
AmpliFi
APPLY NOW
on Fi Money's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹2,000
#223Interest rate
42.00%
#108 Card details
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Premium, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Annual fee waiver on spending ₹250000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- Limited lounge access (4 visits per year)
- High interest rate of 42.00% on revolving credit
RBL Platinum Maxima
APPLY NOW
on RBL Bank's website
Annual fee
₹1,500
#206Rewards rate
₹0.90/₹100
#214Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- 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
- Limited lounge access (2 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
YES Elite
APPLY NOW
on Yes Bank's website
Annual fee
₹3,999
#255Rewards rate
₹0.67 - ₹2.00/₹100
#143Joining fee
₹3,999
#255Interest rate
41.88%
#88 Card details
Forex Markup
2.50%
#63
Domestic Lounge
6/year
#59
Min Credit Score
730+
#180
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹250000
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- Limited lounge access (6 visits per year)
- High interest rate of 41.88% on revolving credit
YES Premia
APPLY NOW
on Yes Bank's website
Annual fee
₹1,999
#215Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹1,999
#216Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- 2 complimentary international lounge visits per year
- Good insurance coverage up to ₹50 lakh
Cons
- Limited lounge access (6 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Kotak Silk Inspire
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹999
#165Rewards rate
₹0.33 - ₹0.83/₹100
#215Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- 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
Kotak Mojo Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50/₹100
#238Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹75000
- 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
Federal Bank Visa Platinum
APPLY NOW
on Federal Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.50 - ₹0.75/₹100
#219Joining fee
₹1,000
#183Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Fuel, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- 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
Primus
APPLY NOW
on Axis Bank's website
Annual fee
₹3,54,000
#307Rewards rate
₹5.00/₹100
#49Joining fee
₹5,90,000
#306Interest rate
12.68%
#17 Card details
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lifestyle, Lounge Access, Premium, Travel
CardNitty's take
Pros
- Unlimited international lounge access
- Unlimited domestic lounge access
- Comprehensive insurance coverage up to ₹6 crore
- Complimentary golf privileges
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹354000 may not suit everyone
- Significant joining fee of ₹590000
- High income requirement of ₹1000K per month
- Invite-only card - not available for direct application
Best for: Premium users seeking balanced rewards and lounge access
Axis Bank Signature
APPLY NOW
on Axis Bank's website
Annual fee
₹1,999
#215Rewards rate
₹0.80 - ₹2.00/₹100
#143Joining fee
₹1,999
#216Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Categories Lifestyle, Lounge Access, Premium
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Generous 8 domestic lounge visits per year
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
Best for: Premium lifestyle benefits, lounge access, entertainment
Axis Bank Select
APPLY NOW
on Axis Bank's website
Annual fee
₹3,000
#248Rewards rate
₹0.62/₹100
#234Joining fee
₹3,000
#248Interest rate
40.80%
#68 Card details
Forex Markup
2.50%
#63
Domestic Lounge
12/year
#23
International Lounge
6/year
#26
Min Credit Score
750+
#186
Categories Entertainment, Lifestyle, Lounge Access, Premium
CardNitty's take
Pros
- Good lounge access, entertainment benefits, dining offers
Cons
- Higher fee, lower value than Magnus tier
Axis Bank Horizon
APPLY NOW
on Axis Bank's website
Annual fee
₹1,500
#206Rewards rate
₹0.25 - ₹0.62/₹100
#234Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- 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: Fashion enthusiasts seeking rewards on apparel and lifestyle shopping
SBI StyleUp
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹499
#78Interest rate
N/A
Card details
Categories Lifestyle, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹100000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹300K per month
Best for: Students and young professionals who want a personalized card design
ICICI Bank Expressions
APPLY NOW
on ICICI Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹499
#78Interest rate
N/A
Card details
Domestic Lounge
4/year
#61
Categories Entry Level, Lifestyle
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹150000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Limited lounge access (4 visits per year)
- High income requirement of ₹300K per month
Best for: Premium lifestyle seekers, frequent travelers, dining enthusiasts, high-income professionals
BOBCARD Eterna Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.75 - ₹3.75/₹100
#94Joining fee
FREE
#1Interest rate
39.00%
#64 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹100
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free till 31st Dec 2025
- 5X rewards on dining, travel, online shopping & international spends
- 15 reward points per Rs.100 on accelerated categories (3.75% value)
- Unlimited complimentary domestic airport lounge access
- Rs.1 crore air accident insurance coverage
- Rs.10 lakh non-air accident insurance
- Low 2% forex markup fee
- 10,000 bonus points on Rs.50K spend in 60 days
- 20,000 bonus points on Rs.5L annual spend
- 6-month FitPass Pro membership worth Rs.15,000
- Buy-one-get-one movie tickets (up to Rs.250/month)
- 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
- Up to 3 lifetime free add-on cards
- Zero lost card liability protection
- Smart EMI conversion (6-48 months)
- Available on Visa, Mastercard & RuPay networks
- Lower interest rate at 39% p.a.
Cons
- High Rs.2,499 joining and annual fee (after free period)
- Lounge access requires Rs.40,000 quarterly spend from Jan 2025
- 5X rewards capped at 5,000 points per statement cycle
- High Rs.12 lakh annual income requirement
- Minimum CIBIL score of 750 required
- No rewards on fuel, wallet loads, rent & utility payments
- Joining fee refund requires Rs.25K spend in 60 days
- Annual fee waiver needs Rs.2.5L annual spend
- Cash advance fee 2.5% or Rs.500, whichever higher
- No international lounge access or Priority Pass
- No concierge services for premium tier
- Movie offer limited to once per month
- Limited to Rs.5 lakh maximum credit limit
Best for: Indian Army personnel, veterans, defense families, grocery shoppers, frequent flyers
BOBCARD Yoddha
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifestyle, Lifetime Free, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free credit card with no joining or annual fees
- 5X reward points (10 RP per Rs 100) on grocery and departmental stores
- Welcome benefits: 1,000 reward points + 6-month FITPASS Pro membership (Rs 15,000 value)
- 8 complimentary domestic airport lounge visits per year
- Free Amazon Prime membership for 12 months on Rs 1 lakh spend in 90 days
- Accidental death insurance coverage of Rs 20 lakhs
- 4 complimentary golf lessons or games per year
- 1% fuel surcharge waiver (up to Rs 250/month)
- 24x7 domestic and international concierge services
- Exclusively designed for Indian Army personnel and veterans
Cons
- Low base reward rate of only 2 points per Rs 100 (0.5%)
- 5X rewards capped at 1,000 reward points per month
- Lounge access requires Rs 20,000 quarterly spend (effective Jan 2025)
- High forex markup of 3.5% on international transactions
- High interest rate of 41.88% per annum
- Limited to Indian Army personnel, veterans, Veer Nari, and cadets only
- Fuel transactions not eligible for reward points
- UPI transactions don't qualify for bonus rewards
- Relatively low point value at Rs 0.25 per point
Best for: High spenders seeking lifetime free card with premium benefits and low forex markup
Tiger Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.40 - ₹2.40/₹100
#138Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
1.50%
#18
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Lifestyle, Lifetime Free, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- Tiered rewards up to 6X (6 points per Rs.100)
- Good point value at Rs.0.40 per point
- Low forex markup of only 1.5% (vs 3.5% industry standard)
- 8 domestic lounge visits per year (2/quarter via DreamFolks)
- 2 international lounge visits per year (Priority Pass)
- 1 complimentary golf game/lesson per quarter
- 1 free movie ticket (up to Rs.500) every 6 months
- 1% fuel surcharge waiver (Rs.400-4,000 transactions)
- Personal accident insurance up to Rs.25 lakhs
- Total Protect fraud protection program
- 24/7 concierge service
- 50-day interest-free period
Cons
- Rewards capped at spending tiers (need Rs.5L+ annual spend for 6X)
- Reward points expire after 24 months
- No rewards on fuel, utilities, insurance, EMI, education, govt payments
- Cash redemption limited to Rs.5,000 per month
- InterMiles redemption discontinued from Jan 21, 2025
- Redemption fee: Rs.149 for cash, Rs.100 for other categories (from April 2025)
- High APR of 42% per annum
- 1% + GST fee on rent payments
- Lower reward rates below Rs.1 lakh annual spend (only 1X)
- Requires Rs.30K monthly income (higher than some LTF 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: Young professionals, students, and first-time cardholders
FIRST SWYP
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
#1Rewards rate
₹2.50 - ₹7.50/₹100
#14Joining fee
FREE
#1Interest rate
23.88%
#20 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Entry Level, Lifestyle, Lifetime Free, Student
CardNitty's take
Pros
- Lifetime free with no annual fee
- 10X rewards on entertainment and OTT
- Best for young professionals and students
- Low income requirement (Rs.15,000/month)
- Easy approval for first-time cardholders
- Instant EMI options available
Cons
- Lower credit limit (max Rs.1 lakh)
- No lounge access benefits
- Limited to age 18-35 years
- Standard forex markup of 3.5%
- No add-on cards available
Best for: Existing cardholders with high departmental store spending
Platinum Aura
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.35 - ₹2.80/₹100
#112Joining fee
₹899
#165Interest rate
47.40%
#266 Card details
Forex Markup
3.50%
#75
Domestic Lounge
0/year
International Lounge
8/year
#21
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Discontinued, Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Flexible reward plans (Shop, Home, Travel, Party)
- 4X rewards on departmental store shopping
- No annual/renewal fee (only Rs.899 joining)
- Comprehensive travel insurance (Rs.1L baggage)
- 24/7 concierge service
- 1% fuel surcharge waiver (save up to Rs.1,200/year)
- Personal air accident cover Rs.25 lakhs
- Auto Assist roadside help
- Welcome vouchers from multiple brands
- Zero liability on lost/stolen card fraud
Cons
- Card discontinued for new applications
- Reward value reduced to Rs.0.35 per point (March 2024)
- Monthly cash redemption capped at 2,500 points
- Fuel spends don't earn reward points
- InterMiles redemption discontinued (Jan 2025)
- Travel Plus lounge access costs Rs.5,000/year extra
- International lounge visits charged $27 each
- Domestic lounge visits not free on base card
- High APR of 47.40%
- Lower rewards compared to modern lifestyle cards
Best for: Domestic travelers, dining enthusiasts, mid-income professionals
BOBCARD Premier Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards, RuPay, Travel
CardNitty's take
Pros
- Lifetime free till 31st Dec 2025
- 5X rewards on travel, dining & international spends
- 10 reward points per Rs.100 on accelerated categories
- 2,000 bonus points monthly cap on 5X rewards
- 16,000 bonus points on annual spend milestone
- 1 complimentary domestic lounge access per quarter
- 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
- Rs.50 lakh air accident insurance coverage
- Rs.10 lakh non-air accident insurance
- 500 welcome bonus points on Rs.5K spend in 60 days
- Zero lost card liability protection
- RuPay network with UPI support
- Annual fee waiver on Rs.1.2L annual spend
Cons
- High Rs.1,000 joining and annual fee (after free period)
- Lounge access requires Rs.20,000 quarterly spend
- 5X rewards capped at 2,000 points per month
- High 3.5% forex markup fee
- No rewards on fuel transactions
- Limited to 1 lounge visit per quarter
- High 41.88% p.a. interest rate
- Point value only Rs.0.25 (4 points = Rs.1)
- No international lounge access
- No Priority Pass membership
- Minimum Rs.7.2 lakh annual income requirement
- No concierge or golf benefits
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
ICICI Parakram
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
#1Rewards rate
₹1.25 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
40.00%
#67 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Good insurance coverage up to ₹20 lakh
- Extended interest-free period of 50 days
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 40.00% on revolving credit
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
Best for: Frequent Zomato and Blinkit users
Zomato Edition Black
APPLY NOW
on RBL Bank'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
1.50%
#18
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Dining, Lifestyle, Rewards
CardNitty's take
Pros
- 10% cashback on Zomato and Blinkit orders
- Low forex markup of just 1.5%
- 8 domestic lounge visits per year (2 per quarter)
- 2 international lounge visits via Priority Pass
- Complimentary Zomato Gold membership
- Welcome Rs.1000 Zomato voucher
- Fee waiver on Rs.4 lakh annual spend
Cons
- Only 1% rewards on non-Zomato spends
- Limited use case outside food delivery
- Annual fee of Rs.1499 not waived easily
- Daily cap of Rs.1000 on Zomato cashback
- No insurance benefits included
Best for: Youth, students, international travelers, first-time cardholders
FIRST WOW! Black
APPLY NOW
on IDFC First Bank's website
Annual fee
₹750
#158Rewards rate
₹0.67 - ₹7.00/₹100
#27Joining fee
₹750
#158Interest rate
42.00%
#108 Card details
Domestic Lounge
0 1/year
#120
Categories Lifestyle, Lounge Access, Rewards, Secured, Travel, Youth
CardNitty's take
Pros
- Zero forex markup on international spends
- Welcome benefits worth Rs.5,000+ for Rs.750 fee
- Up to 16.7% value back on hotel bookings
- 4 RP per Rs.150 base rewards (2.67%)
- 4 domestic lounge visits/year (quarterly)
- UPI-enabled RuPay virtual card included
- 3 RP per Rs.150 on UPI above Rs.2,000
- Trip cancellation cover up to Rs.10,000
- FD-backed: no income/credit score needed
- 1% fuel surcharge waiver (up to Rs.200/month)
- Annual fee waived on Rs.1.5L spend
Cons
- Only Rs.750 joining/annual fee (not lifetime free)
- Requires minimum Rs.20,000 FD
- Lounge needs Rs.20K monthly spend unlock
- Only 4 domestic lounges/year (1 per quarter)
- No international lounge access
- No personal accident insurance
- Low base reward rate (0.67%)
- Limited to 2 trip cancellation claims/year
- Points worth Rs.0.25 (Rs.0.50 only for travel)
- No golf, spa, or concierge benefits
Best for: Movie enthusiasts, weekend diners, students, first-time credit card users
Fun+ Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹5.00/₹100
#49Joining fee
₹499
#78Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Dining, Entertainment, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of ₹499 (waived on ₹1.5L spend)
- Monthly BookMyShow voucher worth ₹500 on ₹5K spend
- 20 reward points per ₹100 on weekend dining
- ₹3,000 milestone vouchers on ₹4 lakh annual spend
- 10% discount on BookMyShow (up to 15 transactions/year)
- 10 points per ₹100 at Pizza Hut, KFC, BookMyShow
- Fuel surcharge waiver up to ₹100/month
- Accepted at 25 million Mastercard outlets worldwide
- EMV chip security + OTP for online transactions
- Zero fraud liability protection
Cons
- No longer accepting new applications (replaced by RBL Play)
- No lounge access benefits
- No travel insurance coverage
- High interest rate of 47.88% annually
- 3.5% forex markup on international transactions
- Low base reward rate (1 point per ₹100 = 0.25%)
- 1,000 points monthly cap on bonus categories
- ₹99 + GST redemption fee (one-time per day)
- Limited credit limit range (₹30K-₹2L)
- Requires ₹5K monthly spend for BookMyShow voucher
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
Best for: Weekend diners, international travelers, golf enthusiasts, movie buffs
Icon Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹5,000
#266Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
₹5,000
#263Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 20,000 welcome bonus reward points (Rs.5,000 value)
- 20 reward points per Rs.100 on international & weekend dining (5% return)
- 45,000 milestone bonus points per year (worth Rs.11,250)
- 2 domestic lounge visits per quarter (8 per year)
- 1,400+ international lounges via Priority Pass
- 12 complimentary golf lessons annually (1 per month)
- 4 complimentary golf rounds + 50% off beyond 4 rounds
- 1+1 BookMyShow movie tickets (up to Rs.200, twice monthly)
- Rs.200/month fuel surcharge waiver
- 24/7 concierge services
- Comprehensive travel insurance coverage
- Flight delay and lost baggage insurance
Cons
- Rs.5,000 + GST joining and annual fee
- Lounge access requires Rs.35,000 quarterly spend
- 10X rewards capped at 2,000 points/month per category
- High APR of 47.88% per annum
- Forex markup of 3.5%
- Rs.99 + GST reward redemption fee
- Welcome bonus not equal to annual fee (only Rs.5,000 value)
- International lounge access charged at $35 per visit
- Limited reward rate on base spends (2 points/Rs.100)
- No annual fee waiver option available
Best for: Existing cardholders, frequent BookMyShow users, movie enthusiasts, milestone chasers
Movies & More Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.25 - ₹5.00/₹100
#49Joining fee
₹1,000
#183Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, Entertainment, Lifestyle, Rewards
CardNitty's take
Pros
- Rs.1,000 welcome discount on BookMyShow
- 2 free movie tickets monthly on Rs.15,000 spend
- 1 free movie ticket monthly on Rs.10,000 spend
- 5,000 bonus points at Rs.2 lakh annual spend
- 10,000 bonus points at Rs.3.5 lakh annual spend
- 20 reward points per Rs.100 on Wednesday dining (5% value)
- 10 points per Rs.100 at BookMyShow, KFC, Pizza Hut
- 10% discount on BookMyShow (15 times/year, max Rs.100)
- Annual fee waiver on Rs.1.5 lakh spend
- 1% fuel surcharge waiver (max Rs.100/month)
- Comprehensive milestone rewards structure
- Good for regular moviegoers and entertainment lovers
Cons
- No longer accepting new applications
- No lounge access benefits
- No travel or accident insurance coverage
- High annual fee of Rs.1,000 + GST
- High APR of 47.88% annually (3.99% monthly)
- 3.5% forex markup on international transactions
- Rs.15,000 monthly spend for 2 free tickets
- Low base reward rate (1 point per Rs.100 = 0.25%)
- Rs.99 + GST reward redemption fee
- Limited credit limit range (Rs.50K-Rs.5L)
- No rewards on fuel, utilities, insurance, wallet loads
- Replaced by RBL Play Credit Card with better value
Best for: Lifestyle spending, electronics, apparel, entertainment, first credit card
Signet Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.12 - ₹0.38/₹100
#269Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entertainment, Lifestyle, Lifetime Free, Shopping
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on electronics and apparel purchases
- 2x rewards on entertainment spending
- 1 complimentary domestic lounge access per quarter
- Rs.200 Amazon voucher on Rs.3K spend in 30 days
- Complimentary Swiggy vouchers on Rs.20K quarterly spend
- BOGO movie tickets on INOX (once per quarter)
- 1% fuel surcharge waiver (up to Rs.150/month)
- Personal accident insurance cover of Rs.2 lakhs
- Low minimum income requirement
Cons
- Very low base reward rate (0.125% on general spends)
- Lower point value compared to premium cards
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access - only 1 visit per quarter
- Quarterly spend threshold required for lounge access
- No international lounge access
- Reward points valid for limited period
- No welcome bonus on card issuance
- Category benefits limited to specific MCCs
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
Fabindia SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- 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
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
Best for: RBL Insignia Preferred Banking customers, frequent travelers, premium lifestyle seekers
Insignia Preferred Banking World Card
APPLY NOW
on RBL Bank's website
Annual fee
₹7,000
#275Rewards rate
₹1.25 - ₹2.50/₹100
#114Joining fee
₹7,000
#272Interest rate
39.00%
#64 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Lifetime free for Insignia Preferred Banking customers
- 10 reward points per Rs.100 on international spend (2.5% return)
- 8 domestic lounge visits per year (2 per quarter)
- 6 international lounge visits via Priority Pass annually
- Rs.8,000 milestone vouchers on Rs.8 lakh spend
- 28,000 welcome bonus points (non-Insignia customers)
- Rs.500 BookMyShow discount twice monthly
- 4 complimentary golf rounds + 1 lesson per month
- EazyDiner Prime: 25-50% restaurant discounts
- Hotel benefits at 2,400+ premium properties
- Meet & greet at 30+ international airports
- 24/7 concierge services
- 1% fuel surcharge waiver (up to Rs.250/month)
Cons
- Exclusive to Insignia Preferred Banking customers only
- Requires Rs.30 lakh TRV or Rs.10 lakh AMB
- Rs.7,000 annual fee for non-Insignia customers
- Limited international lounge visits (6 per year)
- Additional lounge visits cost $27-$35
- Insurance benefits unclear from official sources
- Welcome bonus not available for Insignia customers
- High annual spend (Rs.10L) for fee waiver
- Lower reward rate compared to premium competitors
- 2% forex markup higher than some premium cards
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
RBL Popcorn
APPLY NOW
on RBL Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹2.50/₹100
#114Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹40000
- 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: Regular Apollo Pharmacy and Hospital users
Apollo SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹1.00/₹100
#190Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- 10% discount at Apollo Pharmacy up to Rs 100/month. 5% discount at Apollo hospitals. 1% fuel surcharge waiver. Free annual fee on Rs 50K spend.
Cons
- Low reward rate of 1% on general spend. Benefits limited to Apollo ecosystem. Low credit limit range.
Best for: Dining enthusiasts, online shoppers, domestic travelers
BOBCARD Select Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
₹750
#158Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
₹750
#158Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
6/year
#26
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, Lifestyle, Lounge Access, Online Shopping, Rewards
CardNitty's take
Pros
- 5X rewards on dining and online transactions (max 1,000 points/month)
- 500 welcome bonus points on Rs.5,000 spend in 60 days
- 2 domestic + 6 international lounge visits per year
- Accidental insurance: Rs.15 lakh (Air) + Rs.5 lakh (Non-Air)
- 1% fuel surcharge waiver (Rs.400-5,000, max Rs.250/month)
- Low annual fee of Rs.750 (waivable on Rs.70,000 spend)
- Up to 3 lifetime free add-on cards
- Golf privileges: 4 free rounds + lessons (MasterCard)
- Concierge service for travel & lifestyle assistance
- Complimentary movie tickets and dining offers
Cons
- 5X rewards capped at 1,000 points/month (Rs.20,000 spends)
- Point value is low at Rs.0.20 per point
- Limited lounge access (only 8 total visits/year)
- High 3.5% forex markup for international use
- No lounge access benefit clarity from some sources
- High interest rate of 42% p.a.
- Minimum income requirement of Rs.4.8 lakhs p.a.
- Cash advance fee is 2.5% or Rs.300 minimum
- Joining fee waiver needs Rs.7,500 spend in 60 days
- Limited to standard reward rate on most spends
Axis Bank Shoppers Stop
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹0.20 - ₹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 Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹75000
- 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
LIC IDFC FIRST Classic
APPLY NOW
on IDFC First Bank's website
Annual fee
₹499
#75Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
₹499
#78Interest rate
9.00%
#3 Card details
Forex Markup
3.50%
#75
Min Credit Score
670+
#37
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- 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
LIC IDFC FIRST Select
APPLY NOW
on IDFC First Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.00 - ₹3.00/₹100
#101Joining fee
₹2,999
#236Interest rate
9.00%
#3 Card details
Forex Markup
1.80%
#26
Domestic Lounge
8/year
#30
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
Max SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹999
#165Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- 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
PVR Kotak Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
#75Rewards rate
₹0.33 - ₹1.67/₹100
#163Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- 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
Best for: International travelers, frequent diners, movie enthusiasts
SBI Elite
APPLY NOW
on SBI Cards's website
Annual fee
₹4,999
#260Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹4,999
#258Interest rate
45.00%
#244 Card details
Forex Markup
1.99%
#33
Domestic Lounge
8/year
#30
Min Credit Score
700+
#54
Categories Dining, Entertainment, Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Lowest forex markup at 1.99%
- Rs 5,000 welcome voucher on joining
- 6 international lounge visits (Priority Pass)
- 8 domestic lounge visits per year
- 5X rewards on dining, grocery, departmental stores
- BookMyShow 2 free tickets/month (Rs 6K/year)
- Up to 50,000 milestone bonus points (Rs 12,500)
- 4 complimentary golf rounds
- ITC Silver membership (from Sept 2025)
Cons
- High annual fee of Rs 4,999
- Rs 10 Lakh spend needed for fee waiver
- Low base reward rate (0.5%)
- Air accident insurance discontinued from July 2025
- 10,000 points cap on bonus categories per month
Best for: Frequent travelers who spend on groceries and utilities
Vetta
APPLY NOW
on AU Small Finance Bank's website
Annual fee
₹2,999
#236Rewards rate
₹0.50 - ₹1.00/₹100
#190Joining fee
₹2,999
#236Interest rate
41.88%
#88 Card details
Forex Markup
2.99%
#69
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- 4 reward points per Rs.100 on groceries and departmental stores
- Complimentary domestic and international lounge access
- 2 railway lounge visits per quarter at select stations
- 24x7 global concierge service included
- Rs.50 lakh air accident cover insurance
- Fee waiver on Rs.40,000 spend in first 90 days
- Birthday bonus of 1,000 reward points
- MakeMyTrip benefits - 2 free seat bookings
Cons
- Annual fee of Rs.2,999 is high unless waived
- Moderate reward rate of 2 points per Rs.100 on regular spends
- No rewards on fuel, cash, rent, and EMI transactions
- Reward redemption fee of Rs.99 applies
- Low point value (Rs.0.25) compared to competitors
- Monthly reward cap of 25,000 points
YES Divaa
APPLY NOW
on Yes Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹499
#78Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- 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 41.88% on revolving credit
Best for: Mid-premium users seeking balanced rewards on online and offline spends
Yes Bank Elite+
APPLY NOW
on Yes Bank's website
Annual fee
₹999
#165Rewards rate
₹0.50 - ₹1.50/₹100
#166Joining fee
₹999
#166Interest rate
N/A
Card details
Forex Markup
2.75%
#68
Domestic Lounge
8/year
#30
International Lounge
2/year
#41
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
Cons
- High income requirement of ₹900K per month
- Reward points may have limited redemption options
Lifestyle SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹90000
- 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
Platinum Aura Edge
APPLY NOW
on IndusInd Bank's website
Annual fee
₹1,499
#195Rewards rate
₹0.70 - ₹1.40/₹100
#174Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
720+
#154
Min Monthly Income ₹25
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Reliance SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Fuel, Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- 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: Women shoppers, fashion/beauty enthusiasts
Union Bank Divaa Credit Card
APPLY NOW
on Union Bank of India's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹500
#112Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Women
CardNitty's take
Pros
- Designed exclusively for women
- 2x rewards on fashion, beauty, wellness
- Rs.2 lakh personal accident insurance
- Discounts at partner salons and spas
- 1% fuel surcharge waiver
- Low annual fee of Rs.500
Cons
- No lounge access
- Women-only eligibility
- Basic reward rate on non-bonus categories
- 3.5% forex markup
IndusInd Aura
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- 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
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
Tigers
APPLY NOW
on IndusInd Bank's website
Annual fee
₹999
#165Rewards rate
₹0.60/₹100
#236Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 52 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: Premium lifestyle users, dining enthusiasts, high monthly spenders seeking rewards and insurance
VISA Signature
APPLY NOW
on Union Bank of India's website
Annual fee
₹1,999
#215Rewards rate
₹1.00/₹100
#190Joining fee
₹1,999
#216Interest rate
30.00%
#26 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Min Monthly Income ₹75
Categories Dining, Lifestyle, Premium, Rewards
CardNitty's take
Pros
- High reward rate: 4 points per Rs.100 (1% return)
- Annual fee waived on Rs.2.7L annual spend
- 4 complimentary domestic lounge visits per year
- 10% discount at 1,200+ partner restaurants
- Rs.30 lakh accident insurance coverage
- Rs.6 lakh accidental death cover + Rs.10 lakh air accident cover
- 5-10% discount on international car rentals
- 1% fuel surcharge waiver (up to Rs.100/month)
- VISA Signature concierge services
- 50 days interest-free period
- Contactless payments enabled
- 3 add-on cards available
- Priority customer care
Cons
- High joining and annual fee of Rs.1,999
- Annual fee waiver requires Rs.2.7L spend
- Limited lounge access (4 visits/year vs unlimited)
- No international lounge access mentioned
- High interest rate of 30% p.a.
- Higher forex markup at 3.5%
- Card replacement fee of Rs.299
- Reward points validity limited to 3 years
- No milestone benefits or bonus rewards
- Credit limit only 20% of annual income
- No dedicated travel or shopping benefits
- Minimum 100 points required for redemption
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
Doctor SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹999
#165Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Good insurance coverage up to ₹10 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: Frequent restaurant diners in metro cities with extensive EazyDiner Prime coverage
EazyDiner Signature Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,999
#236Rewards rate
₹0.40 - ₹1.00/₹100
#190Joining fee
₹2,999
#236Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, Lifestyle, Premium, Rewards
CardNitty's take
Pros
- Complimentary EazyDiner Prime membership worth Rs.3,550
- 25-50% dining discount at 2000+ restaurants nationwide
- Postcard Hotels voucher worth Rs.7,500 on joining
- 2,000 welcome bonus EazyPoints
- 10X rewards on hotel, travel, shopping, entertainment
- Extra 25% PayEazy discount up to Rs.1,000 per transaction
- Spend-based monthly dining discount caps (up to Rs.5,000)
- 1% fuel surcharge waiver up to Rs.250 per month
- 3X EazyPoints on all card spends
- Contactless payment enabled
- Total Protect fraud insurance coverage
- Complimentary alcoholic beverage at 200+ select restaurants
Cons
- Major devaluation effective July 15, 2025
- Airport lounge access discontinued from July 2025
- BookMyShow movie benefits removed from July 2025
- Air accident insurance discontinued from Dec 21, 2025
- High annual fee of Rs.2,999 with no waiver option
- Reward point value slashed from Rs.0.20 to Rs.0.10
- Restricted to Visa network only (no RuPay/UPI payments)
- Complex monthly discount caps require Rs.30K non-dining spend
- Low base reward rate on non-category spends (0.4%)
- Rewards expire within 12 months
- High interest rate of 46% p.a.
- Forex markup of 3.5% on international transactions
IndusInd Duo
APPLY NOW
on IndusInd Bank's website
Annual fee
₹599
#156Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹599
#156Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- 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: Healthcare and wellness spending, pharmacy rewards
SBI Pulse
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.25 - ₹1.25/₹100
#175Joining fee
₹1,499
#196Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
720+
#154
Categories Lifestyle, Lounge Access
CardNitty's take
Pros
- Bonus points on healthcare, OTT subscriptions, lounge access
Cons
- Higher fee than basic cards, specific category focus
Best for: Ferrari fans seeking entry-level access to Ferrari privileges
ICICI Ferrari Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
₹499
#75Rewards rate
₹0.50/₹100
#238Joining fee
₹1,999
#216Interest rate
N/A
Card details
Categories Lifestyle
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹150000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High income requirement of ₹180K 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
Best for: Young professionals seeking rewards on entertainment and lifestyle spends
HSBC Live+
APPLY NOW
on HSBC's website
Annual fee
₹999
#165Rewards rate
₹1.50 - ₹5.00/₹100
#49Joining fee
₹999
#166Interest rate
N/A
Card details
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- 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 income requirement of ₹360K per month
Best for: Lifestyle users seeking balanced rewards on dining and entertainment
IDFC FIRST Power
APPLY NOW
on IDFC First Bank's website
Annual fee
₹999
#165Rewards rate
₹0.75 - ₹2.50/₹100
#114Joining fee
₹999
#166Interest rate
N/A
Card details
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹360K per month
Best for: Ferrari enthusiasts seeking exclusive Ferrari merchandise and experiences
ICICI Ferrari Signature
APPLY NOW
on ICICI Bank's website
Annual fee
₹999
#165Rewards rate
₹0.50/₹100
#238Joining fee
₹3,999
#255Interest rate
N/A
Card details
Domestic Lounge
8/year
#30
Categories Lifestyle, Lounge Access
CardNitty's take
Pros
- Annual fee waiver on spending ₹250000
- Generous 8 domestic lounge visits per year
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- High income requirement of ₹240K per month
- Reward points may have limited redemption options