Showing 47 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: New credit users, EMI users, those seeking low interest rates
IDFC FIRST Millennia
APPLY NOW
on IDFC First Bank's website
Annual fee
₹499
#75Rewards rate
₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
9.99%
#15 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual fee. Very low 9% APR. 10X rewards on high spends. Railway lounge access. 25% off on movies. Personal accident cover
Cons
- No airport lounge access. Rs 99 redemption fee. Rewards not on fuel/insurance
Best for: Credit beginners, students, frequent international travelers on budget
OneCard (Plastic)
APPLY NOW
on FPL Technologies's website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
1.00%
#14
Min Credit Score
750+
#186
Categories Entry Level, Lifetime Free, Rewards, Student, Travel
CardNitty's take
Pros
- Lifetime free with zero joining and annual fees
- Industry-lowest 1% forex markup fee
- 5X rewards on top 2 spending categories
- Fractional reward points on all spends
- Fully app-based with instant virtual card
- No reward points expiry or redemption fees
- FD-backed option for credit beginners
- MyFamily feature for up to 5 add-on cards
- Excellent app control and transaction tracking
Cons
- Low base reward rate of only 0.2%
- No airport lounge access benefits
- No travel or insurance coverages
- 5X rewards require minimum 3 categories spending
- High interest rate of 36% per annum
- Rs 3000 early closure fee within 6 months
- Limited customer support availability
- Lower credit limits compared to premium cards
Best for: Beginners, first-time credit card users, young professionals
Slice Super
APPLY NOW
on Slice's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Cashback, Entry Level, Fuel, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual fees ever|Up to 2% cashback on all transactions|Pay in 3 EMIs with 0% interest|Fuel surcharge waiver up to Rs 200/month|Easy approval with minimal documentation|Works on UPI payments
Cons
- No international transactions supported|No lounge access|Lower reward rate compared to premium cards|Doesn't work on some sites like IRCTC
Best for: Online shoppers, e-commerce enthusiasts, beginners
SBI SimplyCLICK
APPLY NOW
on SBI Cards'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
750+
#186
Categories Entry Level, Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- 10X on Amazon/partner brands, 5X on all online, Rs 500 Amazon welcome voucher, Low annual fee, Rs 4K Cleartrip milestones
Cons
- No lounge access, 0.25 per point value is low, 10K points monthly cap, Offline earn rate only 1%
811 #DreamDifferent
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: International travelers, travel app users, budget-conscious users wanting premium benefits
Federal Bank Scapia
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹10.00 - ₹12.50/₹100
#8Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Cashback, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime FREE - zero joining and annual fee
- 0% forex markup - saves 2-3.5% on international transactions
- 10% Scapia Coins on all spends (2% effective cashback)
- 20% Scapia Coins on travel bookings (4% cashback)
- Unlimited domestic lounge access (with Rs.10K spend)
- Dual network: Visa + RuPay for UPI credit
- No-cost EMI on travel bookings
- Virtual card activated instantly
Cons
- No rewards on international transactions (forex benefit only)
- No international lounge access
- Coins redeemable only for travel on Scapia app
- Categories excluded: rent, fuel, utilities, gift cards
- Standard 45% APR interest rate
- Airport benefits limited to domestic
FIRST Classic
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17/₹100
#297Joining fee
FREE
#1Interest rate
9.00%
#3 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: First-time credit card users, students, or anyone wanting to build credit without income proof
SimpliFi
APPLY NOW
on Fi Money's website
Annual fee
FREE
#1Rewards rate
₹1.25 - ₹3.75/₹100
#94Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
0 3.50%
#75
Categories Entry Level, Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
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: Weekend spenders, young professionals, online shoppers
MagniFi
APPLY NOW
on Fi Money's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
730+
#180
Min Monthly Income ₹25
Categories Dining, Entry Level, Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - zero joining or annual fee|5% back on weekend spends across dining, shopping, travel, cabs, groceries|20% discount at Zomato, Zepto, BookMyShow, Amazon on weekends|Save up to Rs 20,000 annually|Fi-Points redeemable for vouchers, miles, bill payments|App-based management with spend insights
Cons
- No lounge access|3.5% forex markup on international transactions|No cash withdrawals allowed|Excludes fuel, utilities, insurance, gold from rewards|Lower weekday rewards at 0.5%
Best for: Digital-first UPI users
Edge CSB RuPay
APPLY NOW
on CSB Bank's website
Annual fee
FREE
#1Rewards rate
₹2.00 - ₹7.50/₹100
#14Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free for first 200K users
- 2% cashback on chosen category
- UPI-enabled credit card
- 4 domestic lounge visits per year
- Rs.10 lakh personal accident insurance
- Rs.250 welcome voucher
Cons
- Base cashback only 0.4%
- Monthly cashback cap of Rs.3,000
- RuPay limited internationally
- No rewards on fuel, rent, utilities
AU LIT
APPLY NOW
on AU Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹0.25/₹100
#276Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Cashback
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Cashback, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Amazon shoppers, Prime members, cashback seekers
Amazon Pay ICICI
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
45.60%
#259 Card details
Forex Markup
1.99%
#33
Min Credit Score
700+
#54
Categories Cashback, Entry Level, Lifetime Free, Shopping
CardNitty's take
Pros
- 5% cashback on Amazon for Prime, Lifetime free, Low forex markup 1.99%, No reward expiry, Instant virtual card
Cons
- No lounge access, No travel benefits, Cashback excluded on fuel/rent/utilities, Lower rewards for non-Prime
Best for: 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: Students, first-time cardholders, and credit score beginners
Super Card
APPLY NOW
on Slice Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹100.00 - ₹152.50/₹100
#2Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
0
View full details
Categories Cashback, Entry Level, Lifetime Free, Rewards, Student
CardNitty's take
Pros
- Lifetime free with no joining or annual fees
- Up to 3% cashback on all spends
- No credit score required - perfect for beginners
- Instant digital onboarding via app
- Slice in 3 feature: 0% interest EMI for 3 months
- Slice Sparks partner offers and discounts
- Credit limit up to Rs.10 lakh
- Fuel surcharge waiver up to Rs.200/month
- UPI-enabled RuPay credit card
Cons
- No lounge access benefits
- No insurance coverage
- Lower rewards compared to premium cards
- Domestic use only - no international transactions
- High interest on delayed payments (36% p.a.)
- No add-on cards available
- ATM withdrawal charges apply
- Rewards not earned on split EMI payments
Best for: 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: App-first users, cashback seekers, metal card lovers
BOB Financial OneCard
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
2.00%
#38
Min Credit Score
650+
#13
Categories Cashback, Fintech, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- Metal card design
- 1-5% category-based cashback
- App-based instant approval
- Low forex markup of 2%
- EMI conversion at 0% interest
- Virtual card available instantly
- Dynamic credit limit
Cons
- No airport lounge access
- No reward points (only cashback)
- Limited to OneCard app ecosystem
- No add-on cards available
- Cashback may have caps
Best for: 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
Myntra Kotak
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Lifetime free card, digital shopping, entry-level
Standard Chartered DigiSmart
APPLY NOW
on Standard Chartered's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
FREE
#1Interest rate
41.40%
#82 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free, no annual fee, easy approval, online shopping cashback
Cons
- Basic reward rate, no lounge access
Best for: Frequent domestic travelers, those seeking comprehensive insurance, moderate spenders
Canara Bank Mastercard World Credit Card
APPLY NOW
on Canara Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.00%
#71
Domestic Lounge
3/year
#87
International Lounge
2/year
#41
Min Credit Score
700+
#54
Categories Lifetime Free, Lounge Access, Mastercard, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - zero joining and annual fees (with Rs.1L annual spend)
- 2 reward points per Rs.100 on all PoS and e-commerce transactions
- Enhanced lounge access: 3 domestic visits per quarter + 2 guest visits
- International lounge access: 2 visits per year + 2 guest visits
- Comprehensive insurance: Rs.8L air accident cover (self), Rs.4L (spouse)
- Rs.25,000 baggage insurance + Rs.25,000 purchase protection
- Fraud protection up to Rs.5 lakhs on unauthorized transactions
- 1% fuel surcharge waiver on transactions (Rs.400-5,000 range)
- Up to 50 days interest-free credit period
- Higher credit limit potential (up to Rs.50 lakh)
Cons
- Low base reward rate of 0.5% (Rs.0.25 per point)
- High 3% forex markup for international transactions
- 30% p.a. interest rate on revolving balances
- Inactivity fee of Rs.300 + GST if annual spend below Rs.1 lakh
- High income requirement: Rs.10 lakh gross per annum
- No milestone benefits or accelerated reward categories
- Reward points valid only for 3 years from accrual
- No premium perks like golf, concierge, or priority customer care
- Late payment fee of Rs.250 plus GST
- Domestic lounge access requires Rs.10,000 quarterly spend activation
Fibe Axis Bank
APPLY NOW
on Axis Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹3.00/₹100
#101Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: UPI users seeking lifetime-free card with travel insurance
Platinum RuPay
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.60 - ₹1.20/₹100
#186Joining fee
FREE
#1Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
0/year
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifetime Free, Rewards, RuPay, UPI-enabled
CardNitty's take
Pros
- Lifetime free - No joining or annual fees
- 2X rewards on UPI spending (best for UPI users)
- Comprehensive travel insurance (Rs.2.25L total)
- Personal air accident cover Rs.25 lakhs
- 1% fuel surcharge waiver (Rs.400-4000)
- RuPay domestic lounge access (2 visits/quarter on Rs.5K spend)
- Lost baggage cover Rs.1 lakh
- Lost card protection up to 48 hours
- Zero liability on fraud transactions
- UPI integration for easy payments
Cons
- Low base reward rate (1 point/Rs.100)
- Reward value reduced to Rs.0.60 per point (Dec 2024)
- Monthly cash redemption capped at 2,500 points
- Lounge access requires Rs.5,000 quarterly spend
- Limited to RuPay exclusive lounges only
- No international lounge access
- Fuel spends don't earn reward points
- Select merchants earn only 0.70 points/Rs.100
- High APR of 46% on unpaid balances
- No concierge or premium services
Best for: Entry-level users, students, young professionals seeking LTF dining card with basic lounge access
EazyDiner Platinum Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.40/₹100
#267Joining fee
FREE
#1Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
650+
#13
Min Monthly Income ₹15
Categories Dining, Entry Level, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime free with zero joining or annual fees
- 3-month EazyDiner Prime membership on activation (Rs.1,095 value)
- Renewable Prime membership on Rs.30K quarterly spend
- 25-50% dining discounts at 2000+ restaurants nationwide
- Extra 20% PayEazy discount (up to Rs.500, 3 times/month)
- 500 welcome bonus EazyPoints (worth Rs.100)
- 2,000 milestone bonus points every 90 days on Rs.30K spend
- 2 complimentary domestic airport lounge visits per quarter
- 2 reward points per Rs.100 spent (0.4% return)
- 1% fuel surcharge waiver on Rs.400-4,000 transactions
- Personal air accident insurance up to Rs.25 lakhs
- Total Protect fraud insurance coverage
- Low entry barrier - suitable for beginners
- Contactless payment enabled
Cons
- Lower reward rate compared to Signature variant
- Prime membership only for 3 months initially
- Prime renewal requires Rs.30K quarterly spend
- PayEazy discount capped at 3 uses per month
- Limited to Rs.500 per PayEazy transaction
- No international lounge access
- Limited lounge access (2 domestic per quarter only)
- Rewards expire within 12 months
- Fuel, insurance, rent, utilities earn reduced points (0.7 per Rs.100)
- Dining spends excluded from milestone calculation
- High interest rate of 46% p.a.
- Forex markup of 3.5% on international transactions
Best for: Travel, international transactions, dining, movies
Mastercard Celesta
APPLY NOW
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
2.00%
#38
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
- Exclusive Mastercard cashback offers
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: Travel, international transactions, dining, movies
Visa Celesta
APPLY NOW
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
2.00%
#38
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: First-time credit card users, value seekers, domestic travelers
Canara Bank Platinum Credit Card
APPLY NOW
on Canara Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.00%
#71
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹10
Categories Beginner, Lifetime Free, Lounge Access, Rewards, RuPay
CardNitty's take
Pros
- Lifetime free - zero joining and annual fees
- 2 reward points per Rs.100 spent on all transactions
- Domestic lounge access twice per quarter (8 visits/year)
- One complimentary guest lounge visit per quarter
- Comprehensive insurance: Rs.8L air accident (self), Rs.4L (spouse)
- Baggage insurance Rs.25,000 + purchase protection Rs.25,000
- 1% fuel surcharge waiver (Rs.400-5,000 transactions)
- Fraud protection up to Rs.5 lakhs
- Credit limit up to Rs.25 lakh
- Up to 50 days interest-free period
Cons
- Low reward value at Rs.0.25 per point (0.5% return)
- High 3% forex markup for international transactions
- 30% p.a. interest rate on outstanding balances
- Reward redemption requires minimum 1,000 points (Rs.250 cashback)
- Points valid only for 3 years from accrual
- No cashback on fuel, rent, EMI, cash withdrawals
- No milestone benefits or spend-based rewards
- Basic entry-level card with limited premium features
- Lounge access restricted to domestic airports only
- Higher income requirement (Rs.3 lakh p.a.) for some sources
Kiwi Axis UPI
APPLY NOW
on Axis Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
600+
#8
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: Family expenses, healthcare, groceries, utility bills
Mastercard Imperio
APPLY NOW
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: Travel, dining, international transactions
Visa Imperio
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
8.28%
#2 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 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)
- Very low APR starting from 0.69% per month
- 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
YES Kiwi Klick RuPay
APPLY NOW
on Yes Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
YES Uni
APPLY NOW
on Yes Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
1.99%
#33
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Cashback, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Low forex markup of 1.99% - great for international spends
- Extended interest-free period of 51 days
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
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
Kotak 811
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
600+
#8
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: New credit users, international shoppers, budget-conscious premium seekers, FD-backed applicants
OneCard Metal
APPLY NOW
on OneCard (FPL Technologies)'s website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
1.00%
#14
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime FREE metal card - no fees ever
- Low 1% forex markup (industry lowest for free cards)
- 5X rewards on top 2 spending categories (1% cashback)
- 100% fuel surcharge waiver up to Rs.400/month
- Points never expire
- Instant digital card activation in 5 minutes
- MyFamily feature - share limit with 5 family members
- EMI at low 1.33% monthly interest
- FD-backed option for low credit score users
Cons
- Low base reward rate (0.2%)
- No lounge access (domestic or international)
- 5X rewards require multi-category spending
- Rs.3000 cancellation fee if closed within 6 months
- No welcome bonus without referral code
- Excluded categories: rent, fuel (for rewards), wallets
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: First-time credit card users, basic spenders, PNB account holders
Visa Classic Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
FREE
#1Rewards rate
₹0.25/₹100
#276Joining fee
FREE
#1Interest rate
35.89%
#44 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Beginner, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- 1 reward point per Rs.100 spent (Rs.0.25 value)
- Accepted at 3.80 lakh+ merchants in India
- Global acceptance at 29 million merchants worldwide
- Interest-free credit period of 20-50 days
- Balance transfer facility at lower interest rates
- EMI conversion available on big purchases
- Up to 2 add-on cards for family members
- Zero redemption fee on reward points
- Fuel surcharge waiver (1% on Rs.400-Rs.3,000)
- Contactless payment enabled
- Easy eligibility - Rs.2.4 lakh annual income
Cons
- No lounge access (domestic or international)
- Basic rewards rate at 1 point per Rs.100
- High interest rate at 35.89% per annum
- High forex markup at 3.5% + GST
- No welcome bonus or joining benefits
- No milestone benefits or accelerated rewards
- Limited insurance coverage
- No premium perks or lifestyle benefits
- Cash advance fee 2% (minimum Rs.150)
- 20% cash withdrawal limit only
- No fuel surcharge waiver on transactions above Rs.3,000
- Minimum CIBIL score of 700-900 recommended
Axis Bank My Wings
APPLY NOW
on Axis Bank's website
Annual fee
FREE
#1Rewards rate
₹0.25/₹100
#276Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- 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
IDFC FIRST WOW
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹0.40/₹100
#267Joining fee
FREE
#1Interest rate
9.99%
#15 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Entry Level, Lifetime Free, Low Interest, Student
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: First-time users, those with no credit history, or anyone wanting a guaranteed approval card
Prime
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
FREE
#1Rewards rate
₹0.25/₹100
#276Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
0 3.50%
#75
Categories Entry Level, Fuel, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
FIRST Digital RuPay
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17/₹100
#297Joining fee
FREE
#1Interest rate
9.00%
#3 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: UPI credit transactions, existing Federal Bank customers, utility payments via UPI
RuPay Wave Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.12/₹100
#302Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Floater Card, Lifetime Free, UPI, Utility
CardNitty's take
Pros
- Lifetime free floater card - zero fees
- UPI-enabled credit card for seamless payments
- 10% cashback on first 5 UPI transactions (up to Rs.200)
- 1000 bonus points on Rs.50K quarterly spend
- Shares credit limit with primary card
- Quick issuance via FedMobile app
- Valid in India and internationally (except Nepal/Bhutan)
- No cash advance fees
- No over-limit facility charges
- Separate billing for better expense tracking
Cons
- Exclusively for existing Federal Bank cardholders only
- Very low base reward rate (0.125% - worst in category)
- No accelerated rewards on any category
- Reward points valid for limited period
- Higher interest rate at 41.88% per annum
- Quarterly milestone requires high spend (Rs.50K)
- 10% cashback capped at Rs.200 total
- Reward redemption fee of Rs.99 per request
- Lower point value for cash redemption (Rs.0.10/point)
- No lounge access or travel benefits
- Shares credit limit with primary card
Best for: Users needing high cash withdrawal access
Fortune Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹0.10/₹100
#303Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- 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
Jupiter Edge
APPLY NOW
on Jupiter's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
2.50%
#63
Domestic Lounge
4/year
#61
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free, Lounge Access
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Good reward rate of up to ₹5.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- Limited lounge access (4 visits per year)
- High interest rate of 42.00% on revolving credit
Aqua Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹0.07/₹100
#306Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- 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: Beginners wanting simple reward structure
Urbane Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹0.07/₹100
#306Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- 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