Showing 125 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
Best for: High-income professionals, frequent travelers, premium lifestyle seekers
HDFC Diners Club Black Metal Edition
APPLY NOW
on HDFC Bank's website
Annual fee
₹10,000
#277Rewards rate
₹3.33 - ₹19.16/₹100
#4Joining fee
₹10,000
#275Interest 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 Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 5 reward points per Rs 150 spent (3.33% base reward rate)
- Up to 10X rewards on SmartBuy (33% on hotels)
- Monthly cap of 75,000 reward points (9L annually)
- Unlimited lounge access to 1,300+ lounges worldwide
- Premium metal card construction
- 6 complimentary golf games per quarter (24/year)
- Rs 2 crore air accident insurance
- Rs 50 lakh emergency overseas medical cover
- 5X rewards on Swiggy and Zomato
- 2X rewards on weekend dining
- 10,000 bonus points on Rs 4L quarterly spend
- Welcome benefits: Club Marriott + Amazon Prime + Swiggy One
- BookMyShow Buy 1 Get 1 offer
- Low forex markup of 2%
Cons
- High annual fee of Rs 10,000 + GST
- Very high income requirement (Rs 2.5L/month salaried)
- Limited Diners Club network acceptance
- No rewards on fuel, rent, utility, government transactions
- Requires Rs 8L spend for fee waiver
- SmartBuy capped at 10,000 points monthly
- Weekend dining capped at 1,000 points/day
Best for: Frequent domestic/international travelers, airline miles collectors
Axis Atlas
APPLY NOW
on Axis Bank's website
Annual fee
₹5,000
#266Rewards rate
₹0.80 - ₹2.00/₹100
#143Joining fee
₹5,000
#263Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 5 EDGE Miles per Rs 100 on travel bookings
- 2 EDGE Miles per Rs 100 on all other spends
- Tier-based lounge access (up to 18 domestic + 12 international)
- Transfer to 20+ airline partners (5:2 ratio)
- Rs 2.5 Cr air accident insurance
- 2,500 welcome EDGE Miles
- Up to 5,000 anniversary EDGE Miles
- Lost baggage cover up to $500
Cons
- High forex markup of 3.5%
- No fee waiver option
- Many excluded categories (fuel, rent, utilities, gold)
- Rs 2L monthly cap on accelerated miles
- High interest rate at 45% annual
- Concierge service discontinued
Best for: High-income travelers, frequent flyers, Rs 25L+ annual spenders
Axis Magnus
APPLY NOW
on Axis Bank's website
Annual fee
₹12,500
#290Rewards rate
₹2.40 - ₹8.50/₹100
#13Joining fee
₹12,500
#290Interest rate
42.58%
#234 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Dining, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited domestic and international lounge access
- Excellent rewards on Travel Edge portal (up to 12% value)
- Welcome benefit worth Rs 12,500 (flight ticket/voucher)
- Accelerated rewards above Rs 1.5L monthly spend
- Transfer to airline/hotel partners at 5:2 ratio
- Low 2% forex markup
- No cash withdrawal fee
- Up to 30% dining discounts via EazyDiner
Cons
- High annual fee of Rs 12,500
- Very high spend threshold (Rs 25L) for fee waiver
- Lounge access requires Rs 50K spend in previous 3 months
- BOGO movies and concierge removed in 2024
- 5:2 transfer ratio (not the best)
- Guest lounge visits reduced to 4/year
- NO rewards on: Insurance, Fuel, Gold/Jewelry, Government, Utility/Telecom
- Rent payments capped at Rs 50K/month for rewards
- Transfer cap: 1L to Group A partners, 4L to Group B partners annually
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: Premium spenders, frequent travelers, SmartBuy shoppers
HDFC Regalia
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.33 - ₹9.16/₹100
#12Joining fee
₹2,500
#228Interest rate
41.88%
#88 Card details
Forex Markup
2.00%
#38
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 4 RP per Rs 150 (2.67% return), 10X on SmartBuy, Priority Pass international lounge, Rs 15K milestone rewards, Good forex 2%
Cons
- Lounge access now spend-based (Rs 1L/quarter), High income requirement Rs 1L/month, 4K cap on accelerated rewards
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
Best for: Ultra HNIs, frequent international travelers, luxury lifestyle seekers, golf enthusiasts
Axis Bank Reserve
APPLY NOW
on Axis Bank's website
Annual fee
₹50,000
#300Rewards rate
₹1.50 - ₹3.00/₹100
#101Joining fee
₹50,000
#298Interest rate
42.58%
#234 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited domestic & international lounge access. 50 complimentary golf rounds annually. Premium memberships (Club Marriott, EazyDiner Prime, Accor Plus). 3% rewards on international spends. VIP airport assistance & luxury transfers. Metal card design
Cons
- Very high annual fee of Rs 50,000. Invite-only availability. Requires Rs 35L spend for fee waiver. Not suitable for domestic-focused users. Complex reward redemption
Best for: Ultra-premium benefits, unlimited lounge, concierge
IndusInd Legend
APPLY NOW
on IndusInd Bank's website
Annual fee
₹10,000
#277Rewards rate
₹2.00 - ₹5.00/₹100
#49Joining fee
₹10,000
#275Interest rate
42.00%
#108 Card details
Forex Markup
1.80%
#26
Domestic Lounge
0/year
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Exceptional rewards, unlimited Priority Pass, personal concierge, golf access
Cons
- Very high fee, invite-only, limited availability
Best for: Premium travel, airline miles, international travel
Standard Chartered Ultimate
APPLY NOW
on Standard Chartered's website
Annual fee
₹5,000
#266Rewards rate
₹3.75 - ₹6.25/₹100
#30Joining fee
₹5,000
#263Interest rate
41.40%
#82 Card details
Forex Markup
2.50%
#63
Domestic Lounge
0/year
Min Credit Score
780+
#268
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Excellent miles earning, unlimited lounge, travel benefits, golf
Cons
- Invite-only, moderate forex markup
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: Mid-tier premium rewards, good lounge access, travel benefits
HDFC Diners Club Privilege
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.33 - ₹3.33/₹100
#96Joining fee
₹2,500
#228Interest rate
41.40%
#82 Card details
Forex Markup
2.00%
#38
Domestic Lounge
12/year
#23
International Lounge
6/year
#26
Min Credit Score
750+
#186
Categories Dining, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Good reward rate, complimentary lounge access, golf privileges, milestone benefits
Cons
- Diners Club not accepted everywhere, lower value than Black variant
Best for: Premium lifestyle users seeking high rewards and international lounge access
HDFC Diners Club Privilege Plus
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.33 - ₹3.33/₹100
#96Joining fee
₹2,500
#228Interest rate
N/A
Card details
Forex Markup
3.50%
#75
International Lounge
8/year
#21
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Good reward rate of up to ₹6.67 per ₹100
- 8 complimentary international lounge visits per year
- Comprehensive insurance coverage up to ₹1 crore
Cons
- Reward rates vary significantly across categories
- High forex markup of 3.50% on international transactions
- High income requirement of ₹480K per month
American Express Centurion
APPLY NOW
on American Express's website
Annual fee
₹2,50,000
#306Rewards rate
₹2.00/₹100
#143Joining fee
₹8,00,000
#307Interest rate
N/A
#1 Card details
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Unlimited international lounge access
- Comprehensive insurance coverage up to ₹15 crore
- Complimentary golf privileges
- Spa and wellness benefits
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹250000 may not suit everyone
- Significant joining fee of ₹800000
- High income requirement of ₹1000K per month
- Invite-only card - not available for direct application
Best for: Burgundy Private clients, international travelers, golf enthusiasts, luxury hotel lovers
Axis Bank Burgundy Private
APPLY NOW
on Axis Bank's website
Annual fee
₹50,000
#300Rewards rate
₹1.50/₹100
#166Joining fee
₹50,000
#298Interest rate
19.56%
#18 Card details
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 0% forex markup - first in India
- 15 EDGE Points per Rs.200 (1.5% base, up to 6% on travel)
- Unlimited Priority Pass for primary + add-on cards
- 50 complimentary golf rounds per year
- Rs.4.5 crore air accident insurance
- Zero cash withdrawal interest until due date
- No late payment charges
- 8 airport concierge visits
- Club Marriott + Taj Epicure + ALL Accor memberships
Cons
- Rs.50,000 fees (waived for Burgundy clients only)
- Requires Rs.5 crore relationship or Rs.10L monthly salary
- 15L annual points transfer cap
- Points expire 30 days after card closure
- Rent rewards capped at Rs.1L/month
- Insurance capped at 6,000 points/month
Best for: Flipkart and Myntra shoppers seeking high cashback on online purchases
Flipkart Axis Bank
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹1.50 - ₹6.25/₹100
#30Joining fee
₹500
#112Interest rate
52.86%
#280 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Categories Cashback, Lounge Access, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹350000
- Direct cashback instead of points - no redemption hassle
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 52.86% on revolving credit
- High income requirement of ₹300K per month
Best for: 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
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: Premium benefits, lounge access, lifestyle perks
Axis Bank Privilege
APPLY NOW
on Axis Bank's website
Annual fee
₹1,500
#206Rewards rate
₹0.50/₹100
#238Joining fee
₹1,500
#207Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Good lounge access, lifestyle benefits, movie offers
Cons
- Average reward value compared to Magnus/Reserve
Best for: Mid-tier spenders, those seeking welcome vouchers, occasional travelers
ICICI Rubyx
APPLY NOW
on ICICI Bank's website
Annual fee
₹2,000
#221Rewards rate
₹0.50 - ₹1.00/₹100
#190Joining fee
₹3,000
#248Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Rs 5,250 welcome vouchers. 2 domestic lounge visits per quarter. Up to 15,000 bonus points on milestones. Golf rounds on spend. Rs 1 Cr air accident cover. 24x7 concierge service
Cons
- Lounge access requires Rs 75K quarterly spend. Low base reward rate of 0.5%. 3.5% forex markup. Only 2 golf rounds per month max
Best for: IndusInd premium customers, international travelers, luxury lifestyle seekers
IndusInd Pioneer Heritage
APPLY NOW
on IndusInd Bank's website
Annual fee
₹25,000
#297Rewards rate
₹1.00 - ₹2.50/₹100
#114Joining fee
₹1,00,000
#305Interest rate
46.00%
#260 Card details
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 0% forex markup on international transactions
- 1 RP = Rs.1 or 1 Airmile value
- 2.5X rewards on international spends
- Welcome vouchers worth Rs.1 lakh
- Rs.2.5 crore personal accident cover
- Rs.5,000 Luxe gift card for luxury brands
- Priority Pass (Visa variant)
- No late payment or overlimit fees
- Free cash advances
Cons
- Rs.1 lakh joining fee is highest in category
- Requires Rs.10L AQB or Rs.30L NRV
- Only 2 lounge visits per quarter (non-metal)
- InterMiles redemption discontinued
- Golf benefits reduced from March 2025
- ITC Club Culinaire discontinued Oct 2025
Best for: Travelers seeking international lounge access and travel benefits
RBL World Safari
APPLY NOW
on RBL Bank's website
Annual fee
₹3,000
#248Rewards rate
₹1.00 - ₹2.50/₹100
#114Joining fee
₹3,000
#248Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
0/year
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Generous 8 domestic lounge visits per year
- Good insurance coverage up to ₹50 lakh
Cons
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
Best for: Premium lifestyle, low forex markup, excellent travel
YES First Exclusive
APPLY NOW
on Yes Bank's website
Annual fee
₹2,500
#227Rewards rate
₹2.00 - ₹4.00/₹100
#91Joining fee
₹2,500
#228Interest rate
42.00%
#108 Card details
Forex Markup
1.75%
#24
Domestic Lounge
0/year
International Lounge
8/year
#21
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Excellent reward rate, low forex markup, unlimited lounge, golf
Cons
- Higher annual fee, YES Bank perception
Best for: Entry to premium rewards, affordable fee, travel benefits
HDFC Regalia First
APPLY NOW
on HDFC Bank's website
Annual fee
₹1,000
#183Rewards rate
₹1.07/₹100
#188Joining fee
₹1,000
#183Interest rate
41.40%
#82 Card details
Forex Markup
2.00%
#38
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Low annual fee, good reward rate, lounge access, milestone benefits
Cons
- Lower reward point value, fewer benefits than full Regalia
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
FIRST Wealth
APPLY NOW
on IDFC First Bank's website
Annual fee
₹10,000
#277Rewards rate
₹3.00 - ₹7.50/₹100
#14Joining fee
₹10,000
#275Interest rate
9.00%
#3 Card details
Domestic Lounge
Unlimited
#1
International Lounge
12/year
#17
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹500000
- 12 complimentary international lounge visits per year
- Unlimited domestic lounge access
- Good insurance coverage up to ₹52 lakh
- 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 income requirement of ₹100K per month
- Invite-only card - not available for direct application
Best for: Frequent IndiGo flyers, premium travelers, lounge users
6E Rewards XL IndiGo HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹1,500
#206Rewards rate
₹1.00 - ₹2.00/₹100
#101Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 3% 6E Rewards on IndiGo flight bookings
- 2% 6E Rewards on dining, entertainment, groceries
- 1% 6E Rewards on all other spends
- 8 domestic lounge visits per year (2/quarter)
- 1 6E Reward = Rs 1 redemption value
- Enhanced welcome benefits vs base card
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- 6E Rewards valid for 2 years
- Access to 17 lounges across India
- Contactless payments enabled
Cons
- Higher annual fee of Rs 1,500
- Higher forex markup of 3.5%
- Rs 200 redemption fee per person
- No rewards on group/corporate/agent bookings
- Higher income requirement (Rs 1L/month)
- Limited to domestic lounges only
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: HNIs, luxury lifestyle seekers, frequent international travelers, high spenders
SBI Aurum
APPLY NOW
on SBI Cards's website
Annual fee
₹9,999
#276Rewards rate
₹1.00/₹100
#190Joining fee
₹9,999
#273Interest rate
42.00%
#108 Card details
Forex Markup
1.99%
#33
Domestic Lounge
4/year
#61
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited international lounge access. Up to Rs 35,000 in milestone vouchers. 16 golf rounds + 12 lessons annually. Low 1.99% forex markup. 4 BookMyShow tickets monthly. Club Marriott and WSJ memberships
Cons
- Only 1% base reward rate. High Rs 12L spend for fee waiver. Invite-only availability. No rewards on fuel and utilities. Annual fee of Rs 9,999
Best for: Frequent travelers, iShop users, luxury lifestyle seekers, those booking hotels/flights often
ICICI Emeralde
APPLY NOW
on ICICI Bank's website
Annual fee
₹12,000
#288Rewards rate
₹1.00 - ₹3.00/₹100
#101Joining fee
₹12,000
#287Interest rate
23.88%
#20 Card details
Forex Markup
1.50%
#18
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited domestic & international lounge access. Up to 12X rewards on hotel bookings via iShop. Low 1.5% forex markup. Rs 750 off on BookMyShow. Golf rounds based on spend. Rs 3 Cr air accident cover. Cancellation refund up to Rs 12,000
Cons
- High income requirement (Rs 2L/month salaried). Low base reward value of Rs 0.25. Annual fee of Rs 12,000. Requires Rs 10L spend for fee waiver. Lounge access only for primary cardholder
Best for: Vistara frequent flyers, premium lounge, miles earning
Axis Bank Vistara Infinite
APPLY NOW
on Axis Bank's website
Annual fee
₹10,000
#277Rewards rate
₹2.00 - ₹5.50/₹100
#42Joining fee
₹10,000
#275Interest rate
40.80%
#68 Card details
Forex Markup
2.00%
#38
Domestic Lounge
0/year
International Lounge
8/year
#21
Min Credit Score
780+
#268
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Excellent miles earning, complimentary flights, lounge access, club vistara upgrades
Cons
- High fee, miles only valuable for Vistara travel
Best for: Frequent Air India/Vistara domestic travelers seeking complimentary tickets
Vistara Signature
APPLY NOW
on Axis Bank's website
Annual fee
₹3,000
#248Rewards rate
₹1.50 - ₹2.25/₹100
#141Joining fee
₹3,000
#248Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- ['Complimentary Premium Economy ticket as welcome benefit', 'Up to 4 additional tickets through milestone spends', 'Maharaja Club Silver membership included', '8 domestic lounge visits per year', '3 complimentary golf rounds annually']
Cons
- ['Not accepting new applications currently', 'Lounge access requires Rs 50,000 quarterly spend', 'Limited international travel benefits', 'Lower point value compared to premium cards']
American Express Platinum Reserve
APPLY NOW
on American Express's website
Annual fee
₹5,000
#266Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Dining, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Comprehensive insurance coverage up to ₹1 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹5000 may not suit everyone
- Significant joining fee of ₹5000
- Limited lounge access (6 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Domestic travelers, Taj Hotels users, milestone spenders
American Express Platinum Travel
APPLY NOW
on American Express's website
Annual fee
₹5,000
#266Rewards rate
₹1.00/₹100
#190Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 10K welcome points. 8 domestic lounge visits. Priority Pass. Taj voucher Rs 10K on Rs 4L spend. Points never expire
Cons
- Rs 5,900 fee not waivable. Limited Amex acceptance. Intl lounge costs USD 35
YES First Preferred
APPLY NOW
on Yes Bank's website
Annual fee
₹2,999
#236Rewards rate
₹0.50 - ₹2.00/₹100
#143Joining fee
₹2,999
#236Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Lounge Access, Premium, 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
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES First Preferred Plus
APPLY NOW
on Yes Bank's website
Annual fee
₹4,999
#260Rewards rate
₹0.75 - ₹3.00/₹100
#101Joining fee
₹4,999
#258Interest rate
41.88%
#88 Card details
Forex Markup
2.00%
#38
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- High interest rate of 41.88% on revolving credit
- Reward points may have limited redemption options
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
AU Altura Plus
APPLY NOW
on AU Small Finance Bank's website
Annual fee
₹499
#75Rewards rate
₹0.50 - ₹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 Dining, Lounge Access, 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 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
Best for: Business owners, self-employed professionals, frequent travelers
HDFC BizBlack
APPLY NOW
on HDFC Bank's website
Annual fee
₹10,000
#277Rewards rate
₹3.33 - ₹10.00/₹100
#11Joining fee
₹10,000
#275Interest 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 Business, Lounge Access, Premium, Travel
CardNitty's take
Pros
- 5 reward points per Rs 150 spent (3.33% base reward rate)
- 5X accelerated rewards on spends over Rs 50K/cycle
- Up to 150,000 reward points per statement cycle
- Unlimited domestic and international lounge access
- Priority Pass membership (1,000+ lounges)
- 6 complimentary golf games per quarter (24/year)
- 24/7 exclusive concierge service
- Club Marriott + Taj vouchers worth Rs 5K welcome benefit
- Rs 5K voucher for every Rs 5L spend
- Low forex markup of 2%
- 55 days interest-free period
- Rs 9L credit liability cover
Cons
- High annual fee of Rs 10,000 + GST
- High income requirement (ITR Rs 30L+)
- For business/self-employed only (not salaried)
- Limited Diners Club merchant acceptance
- No rewards on fuel, wallet, rent, education, EMI
- 1% charge on gaming spends over Rs 10K/month (from July 2025)
Best for: SME owners, self-employed professionals, GST/tax payers
HDFC BizPower
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.73 - ₹5.20/₹100
#10Joining fee
₹2,500
#228Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Business, Lounge Access, Rewards
CardNitty's take
Pros
- 5X rewards on business spends over Rs 25K/cycle
- 4 RP per Rs 150 base reward rate
- 5X on GST, tax, bill payments, Google Ads, AWS, Office 365, Tally
- Free Amazon Prime (1 year) + Biz Prime (6 months) welcome benefit
- 6 Priority Pass international lounge visits/year
- +2 domestic lounge visits on Rs 75K quarterly spend
- 4% savings on MMT MyBiz bookings
- 10% off at 35K+ restaurants
- 10X rewards on SmartBuy (Flipkart, MakeMyTrip, Apple)
- Rs 2K vouchers on Rs 2.5L quarterly spend
- 55 days interest-free period
- Rs 9L credit liability cover
Cons
- Lower point value (Rs 0.65 per point)
- Higher forex markup of 3.5%
- Accelerated rewards capped at 5,000/cycle
- Max 60,000 RP per year
- No rewards on fuel, wallet, rent, education, EMI
- 1% charge on utility spends over Rs 75K
- For self-employed only
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
HSBC TravelOne
APPLY NOW
on HSBC's website
Annual fee
₹2,999
#236Rewards rate
₹1.00 - ₹2.50/₹100
#114Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
2.00%
#38
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
740+
#184
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Good insurance coverage up to ₹75 lakh
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
Cons
- High interest rate of 42.00% on revolving credit
- Reward points may have limited redemption options
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: HSBC Jade Private Banking clients seeking luxury perks
Prive
APPLY NOW
on HSBC's website
Annual fee
FREE
#1Rewards rate
₹1.60 - ₹6.50/₹100
#28Joining fee
FREE
#1Interest rate
23.88%
#20 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Lifetime free for HSBC Jade customers
- Unlimited airport lounge access worldwide
- 5X rewards on travel and dining
- Dedicated relationship manager
- Visa Infinite benefits included
- Complimentary golf and spa access
- Meet and greet at airports
Cons
- Invite-only for Jade banking customers
- Requires very high net worth
- Limited to HSBC relationship
- Standard forex markup of 3.5%
- Lower point value compared to competitors
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: Priority Banking customers seeking travel benefits
Priority Visa Infinite
APPLY NOW
on Standard Chartered Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹1.25/₹100
#175Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Lifetime free for Priority Banking customers
- 16 domestic + 24 international lounges per year
- Complimentary Priority Pass
- 2 golf games + 1 coaching per month
- 24/7 Global Concierge
- Rs.1.2 Cr air accident + USD 25k medical
- 5X on international and fashion spends
Cons
- Exclusive to Priority Banking only
- Requires Rs.30-50L AUM or Rs.3L salary
- High 3.5% forex markup
- Low point value of Rs.0.25
- Modest 2X base rate
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: IDFC Private customers, international travelers, low-interest seekers, golf enthusiasts
IDFC FIRST Private
APPLY NOW
on IDFC First Bank's website
Annual fee
₹50,000
#300Rewards rate
₹6.67 - ₹22.50/₹100
#3Joining fee
₹50,000
#298Interest rate
9.00%
#3 Card details
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Industry-lowest 9% APR interest rate
- 0% forex markup on international transactions
- 10X rewards (up to 60X on hotel bookings via app)
- 1 RP = Rs.1 value on travel redemptions
- Unlimited domestic + international lounge access
- Unlimited golf in India + international
- 0% cash advance interest (up to 48 days)
- No late payment or overlimit fees
- Club ITC Culinaire + Accor Plus memberships
Cons
- Rs.50,000 joining + annual fee (Rs.1 lakh first year)
- Invite-only for Private Banking customers
- Rs.40L annual spend needed for ITC membership renewal
- Redemption capped at 70% of booking value
- 3L points annual/1.5L monthly redemption cap
- Spa access discontinued Dec 2025
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
Best for: Ultra HNIs, international travelers, golf enthusiasts, luxury lifestyle seekers
YES Private
APPLY NOW
on Yes Bank's website
Annual fee
₹10,000
#277Rewards rate
₹2.00 - ₹5.00/₹100
#49Joining fee
₹50,000
#298Interest rate
21.00%
#19 Card details
Forex Markup
0.50%
#12
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Exceptional 0.5% forex markup - lowest in India
- 40 RP per Rs.200 on international (20% rate)
- 16 RP per Rs.200 on domestic (8% rate)
- Unlimited lounge access via LoungeKey (850+ lounges)
- Rs.5 crore air accident insurance
- Rs.1 crore overseas medical coverage
- 12 golf rounds + 12 lessons per year
- 24x7 Mastercard World Elite concierge
- No cash advance, late payment or overlimit fees
Cons
- Rs.50,000 joining fee is substantial
- Invite-only requiring Rs.5 crore relationship
- Reward point value reduced to Rs.0.15 for vouchers
- Monthly redemption caps (6 lakh points)
- Point value devalued from Rs.0.25 in 2024
- Requires Rs.3 crore liability relationship minimum
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 British Airways/Qatar Airways travelers with high international spend
Avios Visa Infinite (British Airways)
APPLY NOW
on IndusInd Bank's website
Annual fee
₹5,000
#266Rewards rate
₹0.32 - ₹1.95/₹100
#159Joining fee
₹10,000
#275Interest rate
36.00%
#45 Card details
Forex Markup
1.50%
#18
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 20,000 Avios welcome bonus on card activation
- Up to 36,000 milestone bonus Avios annually
- 6X Avios at preferred international destinations
- 5X Avios on British Airways and Qatar Airways bookings
- Low 1.5% forex markup at preferred destinations
- International meet & greet at 30+ major airports
- Priority Pass with 8 lounge visits per year
- Comprehensive travel insurance (USD 25,000 medical)
- 24/7 concierge with elderly care assistance
- 10% discount on Qatar Airways flights
- Fuel surcharge waiver of 1% (uncapped)
- Metal card with premium design
Cons
- High joining fee of Rs.10,000 despite reduction
- Limited to British Airways and Qatar Airways Avios only
- Requires Rs.16 lakh annual spend for full milestone benefits
- Air accident insurance discontinued from Dec 2025
- Qatar Gold membership benefit removed
- Priority Pass limited to 2 visits per quarter
- Low base earning rate (1 Avios per Rs.200)
- High taxes and surcharges on Avios redemptions
- Complex eligibility criteria
- Customer service issues reported by users
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
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: PhonePe power users and online shoppers
PhonePe SBI Card SELECT BLACK
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹1.00 - ₹7.50/₹100
#14Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Lounge Access, Rewards, Shopping
CardNitty's take
Pros
- 10% rewards on PhonePe transactions - industry leading for UPI payments
- 5% rewards on online spends - excellent for e-commerce
- Priority Pass membership included for 2 years
- 4 domestic airport lounge visits per year
- Rs 5,000 Yatra voucher on Rs 5 lakh annual spend
Cons
- 3.5% forex markup is higher than premium cards
- Rs 3 lakh spend required to waive annual fee is significant
- Reward caps limit earning potential for heavy spenders
- No international lounge access beyond Priority Pass membership
Best for: HSBC Premier customers, frequent international travelers
Premier Mastercard
APPLY NOW
on HSBC Bank's website
Annual fee
₹20,000
#295Rewards rate
₹1.20 - ₹4.80/₹100
#86Joining fee
₹12,000
#287Interest rate
41.88%
#88 Card details
Forex Markup
0.99%
#13
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Extremely low 0.99% forex markup - best for intl
- Unlimited domestic and international lounge access
- High 3% base reward rate on all spends
- 1:1 transfer to 20+ airline/hotel programs
- Welcome benefits worth Rs.30,000+
- Premium metal card with Mastercard World benefits
- Complimentary Taj Epicure and EazyDiner Prime
- 24 golf lessons and premium course access
- 52 days interest-free period
Cons
- Exclusive to HSBC Premier customers only
- High fees: Rs.12K joining + Rs.20K annual
- Monthly cap on utility/tax/insurance rewards
- No spending-based fee waiver
- Point value lower than Infinia
- Limited transfer partners vs HDFC/Axis
Best for: Frequent Emirates flyers and premium travelers
Emirates Skywards ICICI Emeralde
APPLY NOW
on ICICI Bank's website
Annual fee
₹10,000
#277Rewards rate
₹2.50/₹100
#114Joining fee
₹10,000
#275Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 2.5 Skywards Miles per Rs 100 spend - excellent for Emirates flyers
- 10,000 Skywards Miles as welcome and renewal benefit
- Complimentary Emirates Skywards Silver Tier membership
- Emirates Gold Tier on Rs 15 lakh annual spend with min Rs 50K on Emirates
- Unlimited domestic lounges + Priority Pass for international
- Buy 1 Get 1 on movies via BookMyShow (Rs 750 cap)
Cons
- Rs 10,000 annual fee with no waiver option
- 3.5% forex markup is high for travel card
- Only 1 Skyward Mile per Rs 100 on insurance/utilities
- Best value only for frequent Emirates flyers
Best for: Tata ecosystem users, BigBasket shoppers, Air India flyers
Tata Neu Infinity HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹1,499
#195Rewards rate
₹1.50 - ₹7.50/₹100
#14Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Rewards, Shopping
CardNitty's take
Pros
- Up to 10% NeuCoins on select Tata Neu purchases
- 5% NeuCoins on all Tata Neu transactions
- 1.5% NeuCoins on all other spends
- 1 NeuCoin = Rs 1 (excellent redemption value)
- Low forex markup of 2%
- 8 domestic lounge visits per year (2/quarter on Rs 50K spend)
- 4 international lounge visits per year
- RuPay variant available for UPI credit card
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- Welcome benefit of 1,499 NeuCoins offsets joining fee
- NeuCoins redeemable across Tata brands (BigBasket, Air India, Westside, etc.)
Cons
- Lounge access requires Rs 50K quarterly spend
- NeuCoins expire in 12 months
- No rewards on fuel, rent, govt, EMI transactions
- Grocery NeuCoins capped at 2,000/month
- Utility/Telecom NeuCoins capped at 2,000/month each
- Priority Pass requires separate request
- No premium concierge service
Axis Bank Samsung Infinite
APPLY NOW
on Axis Bank's website
Annual fee
₹10,000
#277Rewards rate
₹0.50 - ₹7.50/₹100
#14Joining fee
₹10,000
#275Interest rate
40.80%
#68 Card details
Forex Markup
2.00%
#38
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹600000
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- No complimentary lounge access
- High interest rate of 40.80% on revolving credit
Best for: Existing cardholders using Maharaja Points for Air India
Club Vistara IDFC FIRST
APPLY NOW
on IDFC First Bank's website
Annual fee
₹4,999
#260Rewards rate
₹3.00 - ₹5.00/₹100
#49Joining fee
₹4,999
#258Interest rate
42.00%
#108 Card details
Forex Markup
2.99%
#69
Domestic Lounge
2/year
#92
International Lounge
1/year
#55
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Airlines, Discontinued, Lounge Access, Travel
CardNitty's take
Pros
- 5 Premium Economy ticket vouchers (now discontinued)
- Low 2.99% forex markup
- 6 Maharaja Points per Rs.200
- Free Premium Economy ticket on joining
- Maharaja Club Silver membership
- 8 airport + 4 international lounges/year
- 4 golf rounds + 12 lessons annually
- Rs.1 Cr air accident + Rs.10L personal accident
- 10X rewards on birthday dining
Cons
- Card discontinued - no new applications
- Annual fee Rs.4,999 (now waived)
- Lounge access needs Rs.20K monthly spend
- Milestone benefits discontinued April 2025
- Valid only till March 31, 2026
- No fuel surcharge waiver
Best for: Frequent Emirates flyers, international travelers, golf enthusiasts
Emirates World Credit Card
APPLY NOW
on Standard Chartered's website
Annual fee
₹3,000
#248Rewards rate
₹1.40 - ₹2.80/₹100
#112Joining fee
₹3,000
#248Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 4,000 welcome bonus Skywards miles on activation
- 1,500 renewal bonus Skywards miles annually
- 6 Skywards miles per Rs.150 on Emirates transactions (4% return)
- 3 Skywards miles per Rs.150 on all other spends (2% return)
- Automatic monthly transfer of miles to Emirates Skywards account
- 2 Priority Pass lounge visits per month on Rs.10K spend
- 25+ domestic lounge access via Mastercard program
- 5% cashback on duty-free shopping (max Rs.1,000/month)
- 1 free golf lesson per month + 50% discount on games
- 4 complimentary green fees per calendar year
- Rs.1 Crore air accident insurance for overseas travel
- Comprehensive travel insurance (flight delay, baggage, hijacking)
Cons
- High annual fee of Rs.3,000 with no waiver option
- Limited to Emirates Skywards miles only
- Requires Rs.10,000 monthly spend for lounge access
- High forex markup at 3.5% + GST
- Low base earning rate (3 miles per Rs.150 = 2%)
- Priority Pass limited to 2 visits per month
- Golf benefits restricted to 1 green fee per month
- High interest rate at 45% p.a.
- No milestone benefits beyond renewal bonus
- Limited value for non-Emirates flyers
Best for: Frequent train travelers, IRCTC users, railway commuters
IRCTC HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹3.00/₹100
#49Joining fee
₹500
#112Interest rate
43.20%
#237 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
700+
#54
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 5% rewards on IRCTC train bookings (5 RP per Rs 100)
- 1% rewards on all other spends
- 1 RP = Rs 1 redemption value on train tickets
- 1% transaction charges waiver on IRCTC (max Rs 1,000/cycle)
- 8 IRCTC Executive Lounge visits per year
- Rs 500 welcome voucher on 1st transaction
- Rs 500 voucher on Rs 30K spend every 90 days
- Low fee of Rs 500, waiver at Rs 1.5L
- RuPay variant for UPI rewards (500 RP/month cap)
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- 5% additional cashback on SmartBuy train booking
Cons
- Accelerated rewards capped at 1,000 points/month
- Higher forex markup of 3.5%
- Rs 99 + GST charged on reward redemption
- Can only redeem against max 70% of ticket fare
- 1% charge on utility spends over Rs 50K/month
- 1% charge on wallet loads over Rs 10K/month
- Limited to IRCTC lounge access only
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: Discontinued card - existing cardholders only (historical reference)
InterMiles Odyssey Visa
APPLY NOW
on IndusInd Bank's website
Annual fee
₹4,000
#257Rewards rate
₹0.90 - ₹2.40/₹100
#138Joining fee
₹10,000
#275Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 15,000 welcome InterMiles + vouchers worth Rs.3,000
- 5,000 renewal bonus InterMiles annually
- Up to 8 InterMiles per Rs.100 on weekend bookings
- 6 InterMiles per Rs.100 on flights & hotels (weekdays)
- 4 InterMiles per Rs.100 on weekend retail spends
- Priority Pass membership with access to 600+ lounges
- 2 complimentary Visa lounge visits per quarter
- Complimentary air accident insurance up to Rs.25 lakhs
- 24/7 concierge and auto assist services
- 1% fuel surcharge waiver across India
- BookMyShow 1+1 movie ticket offer (2 tickets/month)
- Travel insurance: lost baggage, delayed baggage
- Zero liability on unauthorized transactions
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- High joining fee of Rs.10,000 + GST (Rs.11,800 total)
- Annual fee of Rs.4,000 + GST (Rs.4,720 total)
- InterMiles earning capped at 75,000 per year
- Uncapping fee of Rs.10,000 + GST is very expensive
- High interest rate of 46% annually (3.83% p.m.)
- InterMiles value lower than airline miles (0.25-0.40)
- Rewards discontinued effective Jan 2025
- No complimentary Priority Pass lounge visits (cost included)
- Limited to InterMiles redemption options only
- High forex markup of 3.5%
- Minimum income requirement
Best for: Discontinued card - existing cardholders only (historical reference)
InterMiles Voyage Visa
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,000
#221Rewards rate
₹0.60 - ₹1.80/₹100
#160Joining fee
₹2,000
#223Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 2,000 welcome InterMiles + discount vouchers
- 2,500 renewal bonus InterMiles annually
- Up to 6 InterMiles per Rs.100 on weekend bookings
- 4 InterMiles per Rs.100 on flights & hotels (weekdays)
- Priority Pass membership included
- Access to 600+ international airport lounges
- Complimentary air accident insurance up to Rs.25 lakhs
- 1 golf game + 1 golf lesson per quarter
- BookMyShow 1+1 movie ticket offer
- 1% fuel surcharge waiver (Rs.400-4,000)
- Zero liability on unauthorized transactions
- Golf privileges at 7 major cities
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- InterMiles earning capped at 50,000 per year
- Uncapping fee of Rs.7,500 + GST is expensive
- USD 27 fee per Priority Pass lounge visit
- No complimentary Priority Pass lounge visits
- Fuel surcharge waiver limited to Rs.4,000
- InterMiles value lower than airline miles (0.25-0.40)
- Fuel spends above Rs.50,000 charged 1% + GST
- Rewards discontinued effective Jan 2025
- Limited to InterMiles redemption options only
- No waiver on annual fee for most cardholders
Best for: E-commerce shoppers, travelers, movie enthusiasts, golfers
Pinnacle
APPLY NOW
on IndusInd Bank's website
Annual fee
₹15,000
#293Rewards rate
₹5.00/₹100
#49Joining fee
₹15,000
#293Interest rate
42.00%
#108 Card details
Forex Markup
1.50%
#18
Domestic Lounge
Unlimited
#1
International Lounge
12/year
#17
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- No renewal fee after Rs 15K joining. Priority Pass membership. 2.5X on e-commerce. BOGO movies up to Rs 600/month. Monthly golf benefits. Rs 1 Cr air accident cover
Cons
- High Rs 15K joining fee. Only 1 intl lounge visit/quarter from Mar 2025. 3.5% forex markup. Redemption cap 7,500 points/month
Best for: RBL Signature Banking customers, cashback seekers, domestic travelers, frequent shoppers
Signature Banking Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.00 - ₹4.00/₹100
#91Joining fee
FREE
#1Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Cashback, Lounge Access, Premium, Shopping, Travel
CardNitty's take
Pros
- Lifetime free for Signature Banking customers
- 4% unlimited cashback on flights, hotels, and shopping
- 1% cashback on all other purchases (up to Rs.1,500/month)
- Rs.2,000 cashback on Rs.4 lakh annual spend
- Additional Rs.4,000 cashback on Rs.6 lakh annual spend
- Total potential Rs.6,000 milestone cashback annually
- 2 domestic lounge visits per quarter (8 per year)
- 2 international Priority Pass visits annually
- Buy 1 Get 1 movie tickets monthly on BookMyShow (up to Rs.250)
- Cashback credited directly to RBL savings account
- Annual fee Rs.2,500 waived for account holders
- Priority banking relationship benefits
Cons
- Exclusive to Signature Banking customers only
- Rs.2,500 annual fee for non-Signature customers
- 1% cashback capped at Rs.1,500 per billing month
- Limited international lounge access (2 visits/year)
- High forex markup of 3.5% (not ideal for travel)
- Very high APR of 47.88% annually (3.99% monthly)
- Cashback redemption fee of Rs.99 + GST
- Cashback expires if not redeemed within 3 months
- No cashback on groceries, dining, fuel, utilities
- No cashback on wallet loads, government payments
- Requires maintaining Signature Banking relationship
- Limited insurance coverage details available
FIRST Premia
APPLY NOW
on IDFC First Bank's website
Annual fee
₹3,999
#255Rewards rate
₹1.50 - ₹5.00/₹100
#49Joining fee
₹3,999
#255Interest rate
9.00%
#3 Card details
Forex Markup
1.50%
#18
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.50% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
Best for: High reward rate, lounge access, travel benefits
IDFC FIRST Select
APPLY NOW
on IDFC First Bank's website
Annual fee
₹999
#165Rewards rate
₹1.00 - ₹1.67/₹100
#163Joining fee
₹999
#166Interest rate
9.00%
#3 Card details
Forex Markup
2.50%
#63
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Excellent reward rate up to 6X, lounge access, low forex markup
Cons
- Points value lower than some competitors
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
Best for: Domestic travelers, UPI users, lounge access seekers
PNB RuPay Select Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹1,000
#183Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Domestic Lounge
3/year
#87
International Lounge
2/year
#41
Min Credit Score
725+
#176
Min Monthly Income ₹50
Categories Lounge Access, Premium, RuPay
CardNitty's take
Pros
- 3 domestic + 2 international lounge visits per quarter
- 500 welcome bonus reward points on first transaction
- 1-2 reward points per Rs.100 spent
- Rs.5 lakh accidental insurance coverage
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver (up to Rs.300/month)
- 24x7 concierge services
- Annual fee waiver on Rs.1.5L spend
- NCMC functionality for metro and transit
Cons
- Rs.1,000 annual fee (higher than basic cards)
- Fee waiver requires Rs.1.5 lakh annual spend
- Basic reward rate of 0.25-0.50%
- 3.5% forex markup
- High APR of 35.4% per annum
- Limited acceptance compared to Visa/Mastercard internationally
Best for: Premium travelers seeking unlimited international lounge access and high rewards
Yes Bank RESERV
APPLY NOW
on Yes Bank's website
Annual fee
₹1,999
#215Rewards rate
₹0.75 - ₹3.00/₹100
#101Joining fee
₹1,999
#216Interest rate
N/A
Card details
Forex Markup
1.75%
#24
Domestic Lounge
12/year
#23
International Lounge
0/year
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Good reward rate of up to ₹3.00 per ₹100
- Generous 12 domestic lounge visits per year
- Comprehensive insurance coverage up to ₹3 crore
- Low forex markup of 1.75% - great for international spends
Cons
- High income requirement of ₹1800K per month
- Reward points may have limited redemption options
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
FIRST Vistara Signature
APPLY NOW
on IDFC First Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.50 - ₹4.50/₹100
#88Joining 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 Lounge Access, Travel
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
IndiGo 6E Rewards XL
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.00 - ₹5.50/₹100
#42Joining fee
₹2,500
#228Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
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: MakeMyTrip frequent users, travel bookings, cashback on travel
MakeMyTrip ICICI Bank
APPLY NOW
on ICICI Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹500
#112Interest rate
41.04%
#80 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
720+
#154
Categories Lounge Access, Travel
CardNitty's take
Pros
- Excellent travel rewards, MMT cashback, lounge access, low fee
Cons
- Rewards mainly useful for MMT, limited partner value
Best for: Affluent travelers who can maximize portal bookings
NOVA
APPLY NOW
on RBL Bank's website
Annual fee
₹12,500
#290Rewards rate
₹2.00 - ₹5.50/₹100
#42Joining fee
₹12,500
#290Interest rate
47.88%
#267 Card details
Forex Markup
2.00%
#38
Domestic Lounge
12/year
#23
International Lounge
12/year
#17
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Rs.12,500 welcome gift card (Taj/Luxe)
- 6% rewards on travel via portal
- 12 domestic + 12 international lounges
- 4 complimentary guest visits
- Rs.10,000 gift card on Rs.3L quarterly spend
- 4 golf rounds + 12 lessons per year
- Premium metal card, low 2% forex
Cons
- Invite-only availability
- High annual fee of Rs.12,500
- Many exclusions: fuel, utilities, insurance
- Portal-based spending for optimal rewards
- Limited compared to HDFC Infinia
Best for: Government employees, PNB account holders, basic rewards
PNB Pride RuPay Platinum
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25/₹100
#276Joining fee
₹500
#112Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
1/year
#55
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Basic Rewards, Government Employees, Lounge Access, RuPay
CardNitty's take
Pros
- Low annual fee of Rs.500 with quarterly waiver
- 1 reward point per Rs.100 spent (0.25% reward rate)
- 2 domestic + 1 international lounge visit per quarter
- 300 welcome bonus reward points on first transaction
- Accidental insurance coverage of Rs.2 lakhs
- 1% fuel surcharge waiver up to Rs.250/month
- 24x7 concierge services for bookings and assistance
- Special focus on government employees
- RuPay network with UPI support
- PNB GENIE mobile app for easy management
Cons
- Annual fee waiver requires quarterly transaction
- Low reward rate of only 0.25% on all spends
- No bonus categories or accelerated rewards
- Limited international lounge access (1 per quarter)
- Forex markup of 3.5% is on the higher side
- High APR of 35.4% per annum (2.95% monthly)
- Reward points valid for only 3 years
- Minimum 1,000 points required for redemption
- No milestone benefits or spend-based bonuses
- Limited to RuPay network acceptance
Best for: Adani ecosystem users, Adani airport travelers
Adani One ICICI Signature
APPLY NOW
on ICICI Bank's website
Annual fee
₹5,000
#266Rewards rate
₹1.50 - ₹4.25/₹100
#37Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
750+
#186
Categories Lounge Access, Travel
CardNitty's take
Pros
- 7% rewards on Adani One ecosystem (airports, gas, electricity)
- 2% on international spends
- 1.5% on domestic spends
- 4 domestic lounge visits per quarter
- 2 international lounge visits per year
- Rs 2,000 hotel voucher on activation
- Rs 5,000 flight voucher on Rs 25K spend in 60 days
- 1% fuel surcharge waiver
- Fee waiver at Rs 6L spend
Cons
- Higher forex markup of 3.5%
- 0.5% on utility/insurance spends
- High fee waiver threshold (Rs 6L)
- Limited to Adani ecosystem benefits
British Airways Visa Signature
APPLY NOW
on IndusInd Bank's website
Annual fee
₹5,000
#266Rewards rate
₹1.20 - ₹2.40/₹100
#138Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
1.80%
#26
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹5000 may not suit everyone
- Significant joining fee of ₹5000
- Limited lounge access (6 visits per year)
- High interest rate of 42.00% on revolving credit
Best for: Canara Bank customers, domestic travelers, UPI users
Canara Bank RuPay Select Credit Card
APPLY NOW
on Canara Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹1,000
#183Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Domestic Lounge
3/year
#87
International Lounge
2/year
#41
Min Credit Score
725+
#176
Min Monthly Income ₹50
Categories Lounge Access, RuPay
CardNitty's take
Pros
- 3 domestic + 2 international lounge visits per quarter
- 1-2 reward points per Rs.100 spent
- Rs.5 lakh personal accident insurance
- UPI credit line support
- NCMC functionality for transit
- 1% fuel surcharge waiver
- 24x7 concierge services
Cons
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5L spend
- 3.5% forex markup
- High APR of 36%
Best for: Existing cardholders who still fly Vistara routes
Club Vistara SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹2,999
#236Rewards rate
₹1.50/₹100
#166Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Earn 4 CV Points per Rs 200 spent on all purchases
- Complimentary Premium Economy ticket voucher on joining
- Club Vistara Gold membership status with priority boarding
- 8 domestic + 4 international lounge visits per year
- Rs 1 Crore air accident insurance coverage
Cons
- Card no longer accepting new applications (Vistara-Air India merger)
- Milestone benefits discontinued from April 2025
- Annual fee of Rs 2,999 with no waiver option
- CV Points only useful for Vistara flights (limited redemption)
Dynasty
APPLY NOW
on IndusInd Bank's website
Annual fee
₹25,000
#297Rewards rate
₹6.00 - ₹5.50/₹100
#42Joining fee
₹25,000
#296Interest rate
42.00%
#108 Card details
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
780+
#268
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Unlimited international lounge access
- Unlimited domestic lounge access
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹25000 may not suit everyone
- Significant joining fee of ₹25000
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹500K per month
- Invite-only card - not available for direct application
Best for: Regular Emirates flyers seeking Silver tier benefits
Emirates Skywards ICICI Sapphiro
APPLY NOW
on ICICI Bank's website
Annual fee
₹5,000
#266Rewards rate
₹2.00/₹100
#143Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
8/year
#21
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 2 Skywards Miles per Rs 100 spend - great for frequent flyers
- 5,000 Skywards Miles as welcome bonus annually
- Emirates Silver Tier membership included
- 2 domestic + 2 international lounge visits per quarter
- Buy 1 Get 1 on movies (Rs 500 off on second ticket)
- Silver tier retention on Rs 5 lakh annual spend
Cons
- Rs 5,000 annual fee with no waiver option
- 3.5% forex markup is high
- Only 1 Skyward Mile per Rs 100 on insurance/utilities
- Lounge visits capped at 2 per quarter
InterMiles Voyage Black
APPLY NOW
on IndusInd Bank's website
Annual fee
₹10,000
#277Rewards rate
₹2.25 - ₹4.50/₹100
#88Joining fee
₹10,000
#275Interest rate
42.00%
#108 Card details
Forex Markup
1.80%
#26
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹400000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹100K per month
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
Best for: Defense personnel, armed forces members, veterans
PNB Rakshak Plus RuPay Select
APPLY NOW
on Punjab National Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹1,000
#183Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Domestic Lounge
3/year
#87
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Defense Personnel, Lounge Access, RuPay
CardNitty's take
Pros
- Exclusive card for defense personnel and armed forces
- 3 domestic + 2 international lounge visits per quarter
- Rs.10 lakh accidental insurance (enhanced for defense)
- 1-2 reward points per Rs.100 spent
- 24x7 concierge and priority customer care
- 1% fuel surcharge waiver (up to Rs.300/month)
- UPI credit line and NCMC functionality
- Annual fee waiver on Rs.1.5L spend
- Special benefits at CSD/canteen stores
Cons
- Limited to defense personnel only
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5 lakh annual spend
- 3.5% forex markup
- High APR of 35.4% per annum
- Basic reward rate
- Limited acceptance compared to Visa/Mastercard internationally
Best for: Luxury travelers, experience seekers, UHNIs wanting curated services
RBL Bank LUMIÈRE
APPLY NOW
on RBL Bank's website
Annual fee
₹50,000
#300Rewards rate
₹2.00 - ₹5.50/₹100
#42Joining fee
₹50,000
#298Interest rate
47.88%
#267 Card details
Forex Markup
2.00%
#38
Domestic Lounge
12/year
#23
International Lounge
12/year
#17
Min Credit Score
750+
#186
Categories Dining, Lounge Access, Premium, Travel
CardNitty's take
Pros
- 12 RP per Rs.200 on travel (6% reward rate)
- 4 RP per Rs.200 on regular spends (2% reward rate)
- 1 Reward Point = Rs.1 value
- Rs.12,500 welcome gift (Taj/Luxe voucher)
- 12 domestic + 12 international lounge visits
- 4 complimentary golf games per year
- Rs.10,000 quarterly gift card on Rs.3L spend
- Metal card design (18 grams)
- Select Circle exclusive concierge
Cons
- Rs.50,000 joining + annual fee (Rs.1 lakh first year)
- Invite-only for UHNIs
- Limited guest lounge access (4 international)
- 10% dining discount has blackout dates
- Insurance details not fully disclosed
- New card with limited track record
Best for: Dining enthusiasts, grocery shoppers, frequent domestic travelers
SBI Card PRIME
APPLY NOW
on SBI Cards's website
Annual fee
₹2,999
#236Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Dining, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- 10X rewards on dining, groceries & department stores. Up to Rs 11,000 in milestone vouchers annually. 8 domestic + 4 international lounge visits. Club Vistara Silver membership. Good reward rate of 2.5% on bonus categories
Cons
- Annual fee of Rs 2,999 (waivable on 3L spend). Reward points capped at 7,500/month on bonus categories. Air accident insurance discontinued from July 2025. Lower international lounge access compared to competitors. Rs 99 fee for rewards redemption
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
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
Best for: Existing cardholders who fly Air India frequently
Air India SBI Signature
APPLY NOW
on SBI Cards's website
Annual fee
₹4,999
#260Rewards rate
₹1.00 - ₹2.50/₹100
#114Joining fee
₹4,999
#258Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 20,000 reward points as welcome bonus
- 10 reward points per Rs 100 on Air India bookings
- Up to 1 lakh bonus reward points annually
- 8 domestic lounge visits per year
- Priority Pass global lounge membership
Cons
- Card no longer accepting new applications
- Air accident and rail accident insurance discontinued from July 2025
- Priority Pass visits charged at dollar 27 per use
- Annual fee of Rs 4,999 with no waiver option
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
Best for: Health-conscious individuals, Practo users, families needing regular consultations
Practo Plus Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹2,000
#221Rewards rate
₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, Healthcare, Lounge Access
CardNitty's take
Pros
- Free Practo Plus membership worth Rs.4,999 for 1 year
- Unlimited 24x7 doctor consultations for entire family
- Free comprehensive health checkup on activation
- 1 HealthCash per Rs.100 spent (1% return)
- 2 domestic lounge visits per quarter
- No joining fee
- Home sample collection for health tests
- NABL/CAP accredited lab tests
- Free add-on cards
Cons
- Card discontinued - no new applications
- Rs.2,000 annual fee with no waiver option
- HealthCash can only be used on Practo platform
- No travel or accident insurance
- 3.5% forex markup
- High APR of 47.88%
- No international lounge access
- Rewards locked to Practo ecosystem
Best for: UHNIs, executives, luxury travelers
Times Black ICICI Bank
APPLY NOW
on ICICI Bank's website
Annual fee
₹20,000
#295Rewards rate
₹0.50 - ₹1.25/₹100
#238Joining fee
₹20,000
#295Interest rate
42.00%
#108 Card details
Forex Markup
1.49%
#17
International Lounge
Unlimited
#1
Min Credit Score
780+
#268
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- 2% reward points on all domestic transactions
- Unlimited international airport lounge access
- Exclusive luxury stays and experiences
- Low forex markup of 1.49%
- Fee waiver at Rs 25L annual spend
- Premium concierge service
- Times Internet ecosystem benefits
- Designed for UHNIs
Cons
- Very high annual fee of Rs 20,000 + GST
- Extremely high income requirement
- Very high fee waiver threshold (Rs 25L)
- Lower point value (Rs 0.25)
Best for: Union Bank customers, domestic travelers, UPI users
Union Bank RuPay Select Credit Card
APPLY NOW
on Union Bank of India's website
Annual fee
₹1,000
#183Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹1,000
#183Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Domestic Lounge
3/year
#87
International Lounge
2/year
#41
Min Credit Score
725+
#176
Min Monthly Income ₹50
Categories Lounge Access, RuPay
CardNitty's take
Pros
- 3 domestic + 2 international lounge visits per quarter
- 1-2 reward points per Rs.100 spent
- Rs.5 lakh personal accident insurance
- UPI credit line support
- NCMC functionality for transit
- 1% fuel surcharge waiver
- 24x7 concierge services
Cons
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5L spend
- 3.5% forex markup
- High APR of 36%
Best for: High fuel spenders, BPCL loyalists, frequent travelers
BPCL SBI Octane
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.25 - ₹3.25/₹100
#41Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Fuel, Lounge Access
CardNitty's take
Pros
- 7.25% value back on BPCL fuel (25X points + 1% surcharge waiver)
- 25X rewards on BPCL Lubricants and Bharat Gas
- 10X rewards on dining, departmental stores, grocery, movies
- 6,000 welcome bonus points (Rs 1,500 value)
- 4 domestic airport lounge visits per year
- Rs 2,000 voucher on Rs 3L annual spend
- 1% fuel surcharge waiver up to Rs 4,000
- RuPay variant for UPI rewards
- Fraud liability cover Rs 1 lakh
Cons
- Higher annual fee of Rs 1,499
- Fuel rewards capped at 2,500 points/cycle
- Fee waiver requires Rs 2L spend
- Rs 99 redemption fee
- Best value only at BPCL pumps
- No rewards on non-BPCL fuel
IndusInd Celesta
APPLY NOW
on IndusInd Bank's website
Annual fee
₹1,499
#195Rewards rate
₹0.35 - ₹1.05/₹100
#189Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
730+
#180
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹120000
- Good insurance coverage up to ₹50 lakh
- 24x7 dedicated concierge service
- 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
IndusInd EazyDiner
APPLY NOW
on IndusInd Bank's website
Annual fee
₹999
#165Rewards rate
₹0.35 - ₹1.75/₹100
#161Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹25
Categories Dining, Lounge Access, 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
- 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
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
Best for: Adani ecosystem users and frequent travelers through Adani airports
Adani One ICICI Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
₹750
#158Rewards rate
₹0.12 - ₹0.75/₹100
#219Joining fee
₹750
#158Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Good reward rate of up to ₹3.00 per ₹100
- Generous 8 domestic lounge visits per year
Cons
- Reward rates vary significantly across categories
- High forex markup of 3.50% on international transactions
- High income requirement of ₹240K per month
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
Kotak Solitaire
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹25,000
#297Rewards rate
₹2.67 - ₹5.17/₹100
#48Joining fee
₹25,000
#296Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1500000
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹25000 may not suit everyone
- Significant joining fee of ₹25000
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Travelers, high spenders seeking luxury vouchers
Kotak White
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹3,000
#248Rewards rate
₹1.00/₹100
#190Joining fee
₹3,000
#248Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- 8 domestic + 4 intl lounge visits. White Pass rewards up to Rs 27K. National Geographic travel experiences. Rs 3,500 fuel waiver/year. Rs 1,500 welcome voucher
Cons
- Rewards only after Rs 2L spend. Not accepting new applications. Complex redemption. 2% rent fee
Best for: Frequent travelers seeking air miles and premium travel benefits
SBI Miles
APPLY NOW
on SBI Cards's website
Annual fee
₹4,999
#260Rewards rate
₹0.50 - ₹1.00/₹100
#190Joining fee
₹4,999
#258Interest rate
N/A
Card details
Forex Markup
1.99%
#33
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good insurance coverage up to ₹50 lakh
- Low forex markup of 1.99% - great for international spends
Cons
- No complimentary lounge access
- High income requirement of ₹1200K per month
YES First Business
APPLY NOW
on Yes Bank's website
Annual fee
₹2,499
#225Rewards rate
₹0.50 - ₹1.50/₹100
#166Joining fee
₹2,499
#226Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Business, 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
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Axis Bank Pride Signature
APPLY NOW
on Axis Bank's website
Annual fee
₹1,999
#215Rewards rate
₹0.75/₹100
#219Joining fee
₹1,999
#216Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Business, 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
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: Die-hard Manchester United fans, entertainment enthusiasts, moderate spenders
Manchester United Signature
APPLY NOW
on ICICI Bank's website
Annual fee
₹2,499
#225Rewards rate
₹0.75 - ₹1.25/₹100
#175Joining fee
₹2,499
#226Interest rate
44.04%
#242 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Dining, Lounge Access, Rewards
CardNitty's take
Pros
- Manchester United branded Holdall and Football on joining
- 3-5 Reward Points per Rs.100 (up to 1.25% base reward rate)
- 4 RP per Rs.100 on international transactions
- Extra rewards on Manchester United match days
- 2 domestic lounge visits per quarter
- 25% discount on BookMyShow (up to Rs.100)
- 15% discount at 2500+ restaurants
- Up to 20% off on Manchester United museum & tour
Cons
- Rs.2499 annual fee is on the higher side
- Limited lounge access requires Rs.75,000 quarterly spend
- High forex markup of 3.5%
- Reward points value at just Rs.0.25
- Manchester United merchandise discounts limited
- No international lounge access
Best for: Ultra-HNI customers seeking exclusive invite-only premium benefits
ICICI Emeralde Private Metal
APPLY NOW
on ICICI Bank's website
Annual fee
₹12,499
#289Rewards rate
₹3.00 - ₹5.50/₹100
#42Joining fee
₹12,499
#289Interest rate
N/A
Card details
Forex Markup
2.00%
#38
Domestic Lounge
0/year
International Lounge
0/year
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good reward rate of up to ₹6.00 per ₹100
- Comprehensive insurance coverage up to ₹3 crore
- Complimentary golf privileges
- Spa and wellness benefits
- Low forex markup of 2.00% - great for international spends
Cons
- High annual fee of ₹12499 may not suit everyone
- Significant joining fee of ₹12499
- High income requirement of ₹4200K per month
Best for: Premium users seeking high value rewards and low forex markup
IndusInd Crest
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.05 - ₹1.75/₹100
#161Joining fee
₹2,999
#236Interest rate
N/A
Card details
Forex Markup
1.80%
#26
Domestic Lounge
8/year
#30
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Generous 8 domestic lounge visits per year
- Good insurance coverage up to ₹50 lakh
- Low forex markup of 1.80% - great for international spends
Cons
- High income requirement of ₹600K per month
- Reward points may have limited redemption options
Best for: Ultra-HNI customers seeking premium metal card with exclusive experiences
Kotak White Reserve
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹15,000
#293Rewards rate
₹3.00 - ₹5.00/₹100
#49Joining fee
₹15,000
#293Interest rate
N/A
Card details
Forex Markup
2.00%
#38
Domestic Lounge
0/year
International Lounge
0/year
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1500000
- Good reward rate of up to ₹5.00 per ₹100
- Comprehensive insurance coverage up to ₹2 crore
- Complimentary golf privileges
- Spa and wellness benefits
- Low forex markup of 2.00% - great for international spends
Cons
- High annual fee of ₹15000 may not suit everyone
- Significant joining fee of ₹15000
- High income requirement of ₹4200K per month
Best for: Premium lifestyle seekers with high online spending and travel needs
Yes Bank Marquee
APPLY NOW
on Yes Bank's website
Annual fee
₹4,999
#260Rewards rate
₹2.25 - ₹4.50/₹100
#88Joining fee
₹9,999
#273Interest rate
N/A
Card details
Forex Markup
1.00%
#14
Domestic Lounge
6/year
#59
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good reward rate of up to ₹4.50 per ₹100
- Low forex markup of 1.00% - great for international spends
Cons
- Significant joining fee of ₹9999
- Limited lounge access (6 visits per year)
- High income requirement of ₹2400K 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