Showing 172 cards
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: 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
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
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
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
Best for: Credit beginners, students, frequent international travelers on budget
OneCard (Plastic)
APPLY NOW
on FPL Technologies's website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
1.00%
#14
Min Credit Score
750+
#186
Categories Entry Level, Lifetime Free, Rewards, Student, Travel
CardNitty's take
Pros
- Lifetime free with zero joining and annual fees
- Industry-lowest 1% forex markup fee
- 5X rewards on top 2 spending categories
- Fractional reward points on all spends
- Fully app-based with instant virtual card
- No reward points expiry or redemption fees
- FD-backed option for credit beginners
- MyFamily feature for up to 5 add-on cards
- Excellent app control and transaction tracking
Cons
- Low base reward rate of only 0.2%
- No airport lounge access benefits
- No travel or insurance coverages
- 5X rewards require minimum 3 categories spending
- High interest rate of 36% per annum
- Rs 3000 early closure fee within 6 months
- Limited customer support availability
- Lower credit limits compared to premium cards
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: Online shoppers, e-commerce enthusiasts, beginners
SBI SimplyCLICK
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹2.50/₹100
#114Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Categories Entry Level, Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- 10X on Amazon/partner brands, 5X on all online, Rs 500 Amazon welcome voucher, Low annual fee, Rs 4K Cleartrip milestones
Cons
- No lounge access, 0.25 per point value is low, 10K points monthly cap, Offline earn rate only 1%
Best for: New credit card users, budget-conscious, movie lovers
ICICI Coral
APPLY NOW
on ICICI Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50/₹100
#238Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹30
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low Rs 500 fee. Lounge access. 25% off movies. 15% off dining. Rs 1 Cr air cover
Cons
- Low 0.5% rewards. Lounge needs Rs 75K spend. 3.5% forex
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: 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
IndianOil Axis Bank Premium
APPLY NOW
on Axis Bank's website
Annual fee
₹1,500
#206Rewards rate
₹0.25 - ₹5.00/₹100
#49Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Fuel, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- 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
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
HSBC Visa Platinum
APPLY NOW
on HSBC's website
Annual fee
₹1,500
#206Rewards rate
₹0.40 - ₹0.80/₹100
#217Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Dining, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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
Best for: IndiGo frequent flyers, domestic travelers, budget airline users
6E Rewards IndiGo HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹1.75/₹100
#114Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Rewards, Travel
CardNitty's take
Pros
- 2.5% 6E Rewards on IndiGo flight bookings
- 2% 6E Rewards on dining, entertainment, groceries
- 1% 6E Rewards on all other spends
- 1 6E Reward = Rs 1 redemption value
- Free IndiGo ticket worth Rs 1,500 as welcome benefit
- Complimentary 6E Prime Add-on with welcome
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- Low annual fee of Rs 500
- 6E Rewards valid for 2 years
- Contactless payments enabled
- Free add-on cards
Cons
- No airport lounge access
- Higher forex markup of 3.5%
- Rs 200 redemption fee per person
- No rewards on group/corporate/agent bookings
- Higher income requirement (Rs 50K/month)
- Welcome benefit requires transactions in first 3 months
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: 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
American Express MRCC
APPLY NOW
on American Express's website
Annual fee
₹1,000
#183Rewards rate
₹1.00/₹100
#190Joining fee
₹1,000
#183Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Amex enthusiasts wanting lifetime-free Membership Rewards credit card
American Express Membership Rewards
APPLY NOW
on American Express's website
Annual fee
₹4,500
#258Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
₹1,000
#183Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Good insurance coverage up to ₹50 lakh
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
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
Best for: Entry-level Amex users seeking high rewards on online shopping
American Express SmartEarn
APPLY NOW
on American Express's website
Annual fee
₹495
#74Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
₹495
#77Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹495
- Annual fee waiver on spending ₹40000
- Good reward rate of up to ₹5.00 per ₹100
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹360K per month
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
IndusInd Platinum Select
APPLY NOW
on IndusInd Bank's website
Annual fee
₹750
#158Rewards rate
₹0.30 - ₹0.60/₹100
#236Joining fee
₹750
#158Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: First-time credit card users, students, or anyone wanting to build credit without income proof
SimpliFi
APPLY NOW
on Fi Money's website
Annual fee
FREE
#1Rewards rate
₹1.25 - ₹3.75/₹100
#94Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
0 3.50%
#75
Categories Entry Level, Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: 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
Best for: Weekend spenders, young professionals, online shoppers
MagniFi
APPLY NOW
on Fi Money's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
730+
#180
Min Monthly Income ₹25
Categories Dining, Entry Level, Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - zero joining or annual fee|5% back on weekend spends across dining, shopping, travel, cabs, groceries|20% discount at Zomato, Zepto, BookMyShow, Amazon on weekends|Save up to Rs 20,000 annually|Fi-Points redeemable for vouchers, miles, bill payments|App-based management with spend insights
Cons
- No lounge access|3.5% forex markup on international transactions|No cash withdrawals allowed|Excludes fuel, utilities, insurance, gold from rewards|Lower weekday rewards at 0.5%
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 Fun+
APPLY NOW
on RBL Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹1.25/₹100
#175Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Dining, Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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 Prosperity Edge
APPLY NOW
on Yes Bank's website
Annual fee
₹499
#75Rewards rate
₹0.17/₹100
#297Joining fee
₹499
#78Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES Prosperity Rewards
APPLY NOW
on Yes Bank's website
Annual fee
₹999
#165Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹999
#166Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
YES Elite
APPLY NOW
on Yes Bank's website
Annual fee
₹3,999
#255Rewards rate
₹0.67 - ₹2.00/₹100
#143Joining fee
₹3,999
#255Interest rate
41.88%
#88 Card details
Forex Markup
2.50%
#63
Domestic Lounge
6/year
#59
Min Credit Score
730+
#180
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹250000
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- Limited lounge access (6 visits per year)
- High interest rate of 41.88% on revolving credit
YES Premia
APPLY NOW
on Yes Bank's website
Annual fee
₹1,999
#215Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹1,999
#216Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- 2 complimentary international lounge visits per year
- Good insurance coverage up to ₹50 lakh
Cons
- Limited lounge access (6 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Kotak Veer Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
#113Rewards rate
₹0.33 - ₹0.67/₹100
#232Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Silk Inspire
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹999
#165Rewards rate
₹0.33 - ₹0.83/₹100
#215Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Mojo Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50/₹100
#238Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Essentia Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25/₹100
#276Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Federal Bank Imperio
APPLY NOW
on Federal Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25/₹100
#276Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Fuel, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Federal Bank Visa Platinum
APPLY NOW
on Federal Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.50 - ₹0.75/₹100
#219Joining fee
₹1,000
#183Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Fuel, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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
Axis Bank Rewards
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50 - ₹1.25/₹100
#175Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Axis Bank Horizon
APPLY NOW
on Axis Bank's website
Annual fee
₹1,500
#206Rewards rate
₹0.25 - ₹0.62/₹100
#234Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Regular fuel users seeking cashback at HPCL stations
ICICI HPCL Super Saver
APPLY NOW
on ICICI Bank's website
Annual fee
₹500
#113Rewards rate
₹2.00 - ₹12.50/₹100
#8Joining fee
₹500
#112Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Categories Fuel, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹150000
- Good reward rate of up to ₹5.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High income requirement of ₹300K per month
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: Indian Army personnel, veterans, defense families, grocery shoppers, frequent flyers
BOBCARD Yoddha
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifestyle, Lifetime Free, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free credit card with no joining or annual fees
- 5X reward points (10 RP per Rs 100) on grocery and departmental stores
- Welcome benefits: 1,000 reward points + 6-month FITPASS Pro membership (Rs 15,000 value)
- 8 complimentary domestic airport lounge visits per year
- Free Amazon Prime membership for 12 months on Rs 1 lakh spend in 90 days
- Accidental death insurance coverage of Rs 20 lakhs
- 4 complimentary golf lessons or games per year
- 1% fuel surcharge waiver (up to Rs 250/month)
- 24x7 domestic and international concierge services
- Exclusively designed for Indian Army personnel and veterans
Cons
- Low base reward rate of only 2 points per Rs 100 (0.5%)
- 5X rewards capped at 1,000 reward points per month
- Lounge access requires Rs 20,000 quarterly spend (effective Jan 2025)
- High forex markup of 3.5% on international transactions
- High interest rate of 41.88% per annum
- Limited to Indian Army personnel, veterans, Veer Nari, and cadets only
- Fuel transactions not eligible for reward points
- UPI transactions don't qualify for bonus rewards
- Relatively low point value at Rs 0.25 per point
Best for: Students, first-time cardholders, and credit score beginners
Super Card
APPLY NOW
on Slice Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹100.00 - ₹152.50/₹100
#2Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
0
View full details
Categories Cashback, Entry Level, Lifetime Free, Rewards, Student
CardNitty's take
Pros
- Lifetime free with no joining or annual fees
- Up to 3% cashback on all spends
- No credit score required - perfect for beginners
- Instant digital onboarding via app
- Slice in 3 feature: 0% interest EMI for 3 months
- Slice Sparks partner offers and discounts
- Credit limit up to Rs.10 lakh
- Fuel surcharge waiver up to Rs.200/month
- UPI-enabled RuPay credit card
Cons
- No lounge access benefits
- No insurance coverage
- Lower rewards compared to premium cards
- Domestic use only - no international transactions
- High interest on delayed payments (36% p.a.)
- No add-on cards available
- ATM withdrawal charges apply
- Rewards not earned on split EMI payments
Best for: High spenders seeking lifetime free card with premium benefits and low forex markup
Tiger Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.40 - ₹2.40/₹100
#138Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
1.50%
#18
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Lifestyle, Lifetime Free, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- Tiered rewards up to 6X (6 points per Rs.100)
- Good point value at Rs.0.40 per point
- Low forex markup of only 1.5% (vs 3.5% industry standard)
- 8 domestic lounge visits per year (2/quarter via DreamFolks)
- 2 international lounge visits per year (Priority Pass)
- 1 complimentary golf game/lesson per quarter
- 1 free movie ticket (up to Rs.500) every 6 months
- 1% fuel surcharge waiver (Rs.400-4,000 transactions)
- Personal accident insurance up to Rs.25 lakhs
- Total Protect fraud protection program
- 24/7 concierge service
- 50-day interest-free period
Cons
- Rewards capped at spending tiers (need Rs.5L+ annual spend for 6X)
- Reward points expire after 24 months
- No rewards on fuel, utilities, insurance, EMI, education, govt payments
- Cash redemption limited to Rs.5,000 per month
- InterMiles redemption discontinued from Jan 21, 2025
- Redemption fee: Rs.149 for cash, Rs.100 for other categories (from April 2025)
- High APR of 42% per annum
- 1% + GST fee on rent payments
- Lower reward rates below Rs.1 lakh annual spend (only 1X)
- Requires Rs.30K monthly income (higher than some LTF cards)
Myntra Kotak
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Existing cardholders with high departmental store spending
Platinum Aura
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.35 - ₹2.80/₹100
#112Joining fee
₹899
#165Interest rate
47.40%
#266 Card details
Forex Markup
3.50%
#75
Domestic Lounge
0/year
International Lounge
8/year
#21
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Discontinued, Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Flexible reward plans (Shop, Home, Travel, Party)
- 4X rewards on departmental store shopping
- No annual/renewal fee (only Rs.899 joining)
- Comprehensive travel insurance (Rs.1L baggage)
- 24/7 concierge service
- 1% fuel surcharge waiver (save up to Rs.1,200/year)
- Personal air accident cover Rs.25 lakhs
- Auto Assist roadside help
- Welcome vouchers from multiple brands
- Zero liability on lost/stolen card fraud
Cons
- Card discontinued for new applications
- Reward value reduced to Rs.0.35 per point (March 2024)
- Monthly cash redemption capped at 2,500 points
- Fuel spends don't earn reward points
- InterMiles redemption discontinued (Jan 2025)
- Travel Plus lounge access costs Rs.5,000/year extra
- International lounge visits charged $27 each
- Domestic lounge visits not free on base card
- High APR of 47.40%
- Lower rewards compared to modern lifestyle cards
Best for: Domestic travelers, dining enthusiasts, mid-income professionals
BOBCARD Premier Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards, RuPay, Travel
CardNitty's take
Pros
- Lifetime free till 31st Dec 2025
- 5X rewards on travel, dining & international spends
- 10 reward points per Rs.100 on accelerated categories
- 2,000 bonus points monthly cap on 5X rewards
- 16,000 bonus points on annual spend milestone
- 1 complimentary domestic lounge access per quarter
- 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
- Rs.50 lakh air accident insurance coverage
- Rs.10 lakh non-air accident insurance
- 500 welcome bonus points on Rs.5K spend in 60 days
- Zero lost card liability protection
- RuPay network with UPI support
- Annual fee waiver on Rs.1.2L annual spend
Cons
- High Rs.1,000 joining and annual fee (after free period)
- Lounge access requires Rs.20,000 quarterly spend
- 5X rewards capped at 2,000 points per month
- High 3.5% forex markup fee
- No rewards on fuel transactions
- Limited to 1 lounge visit per quarter
- High 41.88% p.a. interest rate
- Point value only Rs.0.25 (4 points = Rs.1)
- No international lounge access
- No Priority Pass membership
- Minimum Rs.7.2 lakh annual income requirement
- No concierge or golf benefits
Best for: Weekend shoppers, online shopping enthusiasts, users seeking lifetime free cards, Amazon/Zomato regulars, budget-conscious millennials
Fi MagniFi Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
730+
#180
Min Monthly Income ₹20
Categories Cashback, Lifestyle, No Annual Fee, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - zero joining and annual fees forever
- 5% cashback on all weekend spends (Saturday & Sunday)
- 20% instant discount on Amazon, Zomato, Zepto, BookMyShow (weekends)
- Up to 50% off on gift vouchers
- 1,000 Fi-Points welcome bonus on first Rs 1,000 spend
- Monthly reward cap of 2,000 Fi-Points (Rs 500 value) protects profitability
- Fi-Points never expire - redeem for cash, flights, miles, vouchers
- Fully digital app-based card management via Fi Money app
- Easy redemption - no minimum threshold or redemption fees
- Perfect for weekend warriors and online shoppers
Cons
- Very low weekday rewards - only 0.5% cashback
- No lounge access benefits whatsoever
- No travel or personal accident insurance coverage
- High forex markup of 3.5% (poor for international travel)
- High interest rate of 45% per annum on unpaid balances
- Monthly reward cap of 2,000 Fi-Points limits high spenders
- Partner discounts limited to 4 brands (Amazon, Zomato, Zepto, BookMyShow)
- Cash withdrawals not permitted on this card
- Fuel, utilities, wallets, rent excluded from rewards
- 20% partner discount capped at Rs 100 per brand per month
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: CRED members, online shoppers, e-commerce enthusiasts, UPI users
CRED IndusInd RuPay Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories E-commerce, Rewards, Shopping, UPI
CardNitty's take
Pros
- Zero joining fee, first year free
- 5% rewards on e-commerce, CRED Pay, CRED Travel, CRED Store, CRED UPI
- High reward redemption value (1 CRED Point = Rs 1 for flights/hotels)
- RuPay network with UPI compatibility on CRED platform
- 1% fuel surcharge waiver up to Rs 300 per month
- Complimentary personal accident and travel insurance
- Card protection with liability cover
- Low annual fee of just Rs 499 from second year
- UPI compatibility on PhonePe, Google Pay (no rewards though)
- Designed for high-creditworthy CRED members
Cons
- Invite-only card, not open for public application
- 5% rewards limited to specific categories with caps
- Monthly cap of 5,000 points for 5% categories
- UPI Scan & Pay rewards capped at 500 points per month
- CRED Points valid only for 24 months
- Rewards only on CRED platform, limited redemption options
- Lower value on bill payments (1 point = Rs 0.5)
- No lounge access benefits
- No fee waiver option available
- 3.5% forex markup not competitive for international spends
- Offline spending earns only 1% rewards
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: Frequent train travelers, IRCTC bookers, railway commuters
IRCTC BOBCARD Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
₹350
#71Rewards rate
₹0.50 - ₹7.50/₹100
#14Joining fee
₹500
#112Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, Railway, Rewards, RuPay, Travel
CardNitty's take
Pros
- Up to 40 reward points per Rs.100 on peak season IRCTC bookings
- 16 points per Rs.100 on off-peak train bookings (1AC-EC class)
- Up to 10% value back on railway tickets during peak periods
- 4 complimentary railway lounge visits per year (1 per quarter)
- 1% IRCTC transaction surcharge waiver on all bookings
- 1% fuel surcharge waiver (max Rs.100 per statement)
- 500 welcome bonus points on Rs.5K spend in 60 days
- Low annual fee of Rs.350 (Rs.500 joining fee)
- 4 points per Rs.100 on grocery & departmental stores
- Redeem points as IRCTC travel points or cashback
- UPI-enabled RuPay credit card
- Up to 3 lifetime free add-on cards
- Zero liability on fraudulent transactions
- EMI conversion on purchases above Rs.2,500
Cons
- Low point value at Rs.0.25 per reward point
- High 3.5% forex markup fee for international transactions
- High 45% p.a. interest rate (3.75% per month)
- No air accident or travel insurance coverage
- No international lounge access
- Limited to railway lounge access only
- Grocery rewards capped at 1,000 points monthly
- Peak season rewards limited to specific date ranges
- Lower rewards (2 points) on general spends
- No rewards on fuel transactions
- Railway lounge access limited to select stations
- Requires Rs.5K minimum spend for welcome bonus
- Peak rewards only on premium train classes (1AC-EC)
Best for: UPI users seeking lifetime-free card with travel insurance
Platinum RuPay
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.60 - ₹1.20/₹100
#186Joining fee
FREE
#1Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
0/year
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifetime Free, Rewards, RuPay, UPI-enabled
CardNitty's take
Pros
- Lifetime free - No joining or annual fees
- 2X rewards on UPI spending (best for UPI users)
- Comprehensive travel insurance (Rs.2.25L total)
- Personal air accident cover Rs.25 lakhs
- 1% fuel surcharge waiver (Rs.400-4000)
- RuPay domestic lounge access (2 visits/quarter on Rs.5K spend)
- Lost baggage cover Rs.1 lakh
- Lost card protection up to 48 hours
- Zero liability on fraud transactions
- UPI integration for easy payments
Cons
- Low base reward rate (1 point/Rs.100)
- Reward value reduced to Rs.0.60 per point (Dec 2024)
- Monthly cash redemption capped at 2,500 points
- Lounge access requires Rs.5,000 quarterly spend
- Limited to RuPay exclusive lounges only
- No international lounge access
- Fuel spends don't earn reward points
- Select merchants earn only 0.70 points/Rs.100
- High APR of 46% on unpaid balances
- No concierge or premium services
Best for: 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
Best for: Entry-level users, students, young professionals seeking LTF dining card with basic lounge access
EazyDiner Platinum Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.40/₹100
#267Joining fee
FREE
#1Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
650+
#13
Min Monthly Income ₹15
Categories Dining, Entry Level, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime free with zero joining or annual fees
- 3-month EazyDiner Prime membership on activation (Rs.1,095 value)
- Renewable Prime membership on Rs.30K quarterly spend
- 25-50% dining discounts at 2000+ restaurants nationwide
- Extra 20% PayEazy discount (up to Rs.500, 3 times/month)
- 500 welcome bonus EazyPoints (worth Rs.100)
- 2,000 milestone bonus points every 90 days on Rs.30K spend
- 2 complimentary domestic airport lounge visits per quarter
- 2 reward points per Rs.100 spent (0.4% return)
- 1% fuel surcharge waiver on Rs.400-4,000 transactions
- Personal air accident insurance up to Rs.25 lakhs
- Total Protect fraud insurance coverage
- Low entry barrier - suitable for beginners
- Contactless payment enabled
Cons
- Lower reward rate compared to Signature variant
- Prime membership only for 3 months initially
- Prime renewal requires Rs.30K quarterly spend
- PayEazy discount capped at 3 uses per month
- Limited to Rs.500 per PayEazy transaction
- No international lounge access
- Limited lounge access (2 domestic per quarter only)
- Rewards expire within 12 months
- Fuel, insurance, rent, utilities earn reduced points (0.7 per Rs.100)
- Dining spends excluded from milestone calculation
- High interest rate of 46% p.a.
- Forex markup of 3.5% on international transactions
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 Zomato and Blinkit users
Zomato Edition Black
APPLY NOW
on RBL Bank's website
Annual fee
₹1,499
#195Rewards rate
₹1.00 - ₹7.50/₹100
#14Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
1.50%
#18
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Dining, Lifestyle, Rewards
CardNitty's take
Pros
- 10% cashback on Zomato and Blinkit orders
- Low forex markup of just 1.5%
- 8 domestic lounge visits per year (2 per quarter)
- 2 international lounge visits via Priority Pass
- Complimentary Zomato Gold membership
- Welcome Rs.1000 Zomato voucher
- Fee waiver on Rs.4 lakh annual spend
Cons
- Only 1% rewards on non-Zomato spends
- Limited use case outside food delivery
- Annual fee of Rs.1499 not waived easily
- Daily cap of Rs.1000 on Zomato cashback
- No insurance benefits included
Best for: 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: Movie enthusiasts, weekend diners, students, first-time credit card users
Fun+ Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹5.00/₹100
#49Joining fee
₹499
#78Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Dining, Entertainment, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of ₹499 (waived on ₹1.5L spend)
- Monthly BookMyShow voucher worth ₹500 on ₹5K spend
- 20 reward points per ₹100 on weekend dining
- ₹3,000 milestone vouchers on ₹4 lakh annual spend
- 10% discount on BookMyShow (up to 15 transactions/year)
- 10 points per ₹100 at Pizza Hut, KFC, BookMyShow
- Fuel surcharge waiver up to ₹100/month
- Accepted at 25 million Mastercard outlets worldwide
- EMV chip security + OTP for online transactions
- Zero fraud liability protection
Cons
- No longer accepting new applications (replaced by RBL Play)
- No lounge access benefits
- No travel insurance coverage
- High interest rate of 47.88% annually
- 3.5% forex markup on international transactions
- Low base reward rate (1 point per ₹100 = 0.25%)
- 1,000 points monthly cap on bonus categories
- ₹99 + GST redemption fee (one-time per day)
- Limited credit limit range (₹30K-₹2L)
- Requires ₹5K monthly spend for BookMyShow voucher
Best for: Frequent train travelers booking AC tickets
IRCTC SBI Platinum
APPLY NOW
on SBI Cards's website
Annual fee
₹300
#70Rewards rate
₹0.80 - ₹7.50/₹100
#14Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Min Monthly Income ₹20
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- ['10% value back on AC1, AC2, AC3 and AC Chair Car train tickets', '1.8% transaction charge waiver on IRCTC bookings', '4 complimentary railway lounge visits per year', 'Very low annual fee of just Rs 500 + GST', '1% fuel surcharge waiver across all petrol pumps']
Cons
- ['Very low base rewards (1 point per Rs 125 = 0.8%)', 'No airport lounge access', 'No value on non-train travel or daily spends', 'Railway lounge network is limited']
IndiGo IDFC FIRST Secured
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹1.50/₹100
#166Joining fee
FREE
#1Interest rate
9.00%
#3 Card details
Forex Markup
3.50%
#75
Min Credit Score
600+
#8
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: 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: 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: Frequent railway travelers who book via IRCTC
IRCTC SBI Card Premier
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.80 - ₹7.50/₹100
#14Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Rewards, Travel
CardNitty's take
Pros
- Up to 10% value back on IRCTC railway bookings
- 8 complimentary railway lounge visits per year
- 1.8% transaction charge waiver on IRCTC bookings
- 1 Reward Point = Rs 1 value
- Fee waiver on Rs 2 lakh annual spend
Cons
- Limited to railway travel benefits
- Insurance coverage discontinued from July 2025
- No international lounge access
- Not suitable for non-train travelers
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
Best for: Budget Tata ecosystem users, BigBasket shoppers, entry-level card seekers
Tata Neu Plus HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹4.00/₹100
#37Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards, Shopping
CardNitty's take
Pros
- Up to 7% NeuCoins on select Tata Neu purchases with Neu Pass
- 2% NeuCoins on Tata Neu transactions
- 1% NeuCoins on all other spends
- 1 NeuCoin = Rs 1 (excellent redemption value)
- RuPay variant available for UPI credit card
- Low joining/annual fee of Rs 499
- Fee waiver at just Rs 1L annual spend
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- Welcome benefit of 499 NeuCoins offsets joining fee
- NeuCoins redeemable across Tata brands (BigBasket, Air India, etc.)
- Earn on UPI spends (up to 500 NeuCoins/month)
Cons
- Higher forex markup of 3.5%
- No international lounge access
- Domestic lounge requires Rs 50K quarterly spend
- Grocery NeuCoins capped at 1,000/month
- Utility/Telecom NeuCoins capped at 2,000/month each
- No rewards on fuel, rent, govt, EMI transactions
- NeuCoins expire in 12 months
- Lower reward rates than Infinity variant
ICICI Coral Against FD
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
0 3.50%
#75
Categories Entry Level, Rewards
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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: Existing cardholders, frequent BookMyShow users, movie enthusiasts, milestone chasers
Movies & More Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.25 - ₹5.00/₹100
#49Joining fee
₹1,000
#183Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, Entertainment, Lifestyle, Rewards
CardNitty's take
Pros
- Rs.1,000 welcome discount on BookMyShow
- 2 free movie tickets monthly on Rs.15,000 spend
- 1 free movie ticket monthly on Rs.10,000 spend
- 5,000 bonus points at Rs.2 lakh annual spend
- 10,000 bonus points at Rs.3.5 lakh annual spend
- 20 reward points per Rs.100 on Wednesday dining (5% value)
- 10 points per Rs.100 at BookMyShow, KFC, Pizza Hut
- 10% discount on BookMyShow (15 times/year, max Rs.100)
- Annual fee waiver on Rs.1.5 lakh spend
- 1% fuel surcharge waiver (max Rs.100/month)
- Comprehensive milestone rewards structure
- Good for regular moviegoers and entertainment lovers
Cons
- No longer accepting new applications
- No lounge access benefits
- No travel or accident insurance coverage
- High annual fee of Rs.1,000 + GST
- High APR of 47.88% annually (3.99% monthly)
- 3.5% forex markup on international transactions
- Rs.15,000 monthly spend for 2 free tickets
- Low base reward rate (1 point per Rs.100 = 0.25%)
- Rs.99 + GST reward redemption fee
- Limited credit limit range (Rs.50K-Rs.5L)
- No rewards on fuel, utilities, insurance, wallet loads
- Replaced by RBL Play Credit Card with better value
Best for: New credit users, international shoppers, budget-conscious premium seekers, FD-backed applicants
OneCard Metal
APPLY NOW
on OneCard (FPL Technologies)'s website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
1.00%
#14
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime FREE metal card - no fees ever
- Low 1% forex markup (industry lowest for free cards)
- 5X rewards on top 2 spending categories (1% cashback)
- 100% fuel surcharge waiver up to Rs.400/month
- Points never expire
- Instant digital card activation in 5 minutes
- MyFamily feature - share limit with 5 family members
- EMI at low 1.33% monthly interest
- FD-backed option for low credit score users
Cons
- Low base reward rate (0.2%)
- No lounge access (domestic or international)
- 5X rewards require multi-category spending
- Rs.3000 cancellation fee if closed within 6 months
- No welcome bonus without referral code
- Excluded categories: rent, fuel (for rewards), wallets
Best for: 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: Budget shoppers, Wednesday grocery/pizza spenders, entry-level users (discontinued)
Titanium Delight Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹750
#158Rewards rate
₹0.25 - ₹5.00/₹100
#49Joining fee
₹750
#158Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, Entry Level, Grocery, Rewards
CardNitty's take
Pros
- Low annual fee of Rs.750 (free on Rs.1.5L spend)
- 20 reward points/Rs.100 on pizza (Wednesdays) - 5% return
- 10 reward points/Rs.100 on grocery (Wednesdays) - 2.5% return
- 2,000 welcome bonus points on first transaction
- 1,000 bonus points on Rs.10K spend in 60 days
- 4,000 milestone bonus on Rs.1.5L annual spend
- 1+1 movie tickets or Rs.200 off on BookMyShow (monthly)
- 100% fuel surcharge waiver (Rs.500-4,000, max Rs.100/month)
- Wednesday-focused benefits for groceries and dining
- Low entry barrier - ideal for first credit card
Cons
- Card no longer accepting new applications (discontinued)
- Very low base reward rate (0.25% on regular spends)
- Limited rewards to specific categories and days
- Reward redemption fee of Rs.99 + GST per day
- No complimentary airport lounge access
- No travel insurance or comprehensive coverage
- 3.5% forex markup higher than premium cards
- High APR of 47.88% on outstanding balances
- Monthly caps on Wednesday bonus rewards (1,000 points)
- Rewards not earned on fuel, utilities, insurance
Best for: First-time credit card users, basic spenders, PNB account holders
Visa Classic Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
FREE
#1Rewards rate
₹0.25/₹100
#276Joining fee
FREE
#1Interest rate
35.89%
#44 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Beginner, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- 1 reward point per Rs.100 spent (Rs.0.25 value)
- Accepted at 3.80 lakh+ merchants in India
- Global acceptance at 29 million merchants worldwide
- Interest-free credit period of 20-50 days
- Balance transfer facility at lower interest rates
- EMI conversion available on big purchases
- Up to 2 add-on cards for family members
- Zero redemption fee on reward points
- Fuel surcharge waiver (1% on Rs.400-Rs.3,000)
- Contactless payment enabled
- Easy eligibility - Rs.2.4 lakh annual income
Cons
- No lounge access (domestic or international)
- Basic rewards rate at 1 point per Rs.100
- High interest rate at 35.89% per annum
- High forex markup at 3.5% + GST
- No welcome bonus or joining benefits
- No milestone benefits or accelerated rewards
- Limited insurance coverage
- No premium perks or lifestyle benefits
- Cash advance fee 2% (minimum Rs.150)
- 20% cash withdrawal limit only
- No fuel surcharge waiver on transactions above Rs.3,000
- Minimum CIBIL score of 700-900 recommended
Best for: Entry-level users, movie & grocery spenders, new to credit
BOBCARD Easy Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
₹500
#113Rewards rate
₹0.20 - ₹2.00/₹100
#143Joining fee
₹500
#112Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Beginner, Grocery, Lifestyle, Movies, Rewards
CardNitty's take
Pros
- Lifetime free offer till 31st Dec 2025
- 5X rewards on movies, groceries & departmental stores
- Up to 10X rewards on travel bookings via BOBCARD SmartDeal
- Low annual fee of Rs.500 with Rs.35K spend waiver
- 1% fuel surcharge waiver up to Rs.250/month
- 0.5% cashback on timely bill payments
- Up to 3 lifetime free add-on cards
- Interest-free credit up to 50 days
- Available on Visa, Mastercard & RuPay platforms
- Zero liability on fraudulent transactions
Cons
- 5X rewards capped at 1,000 points per statement cycle
- Lounge access requires Rs.40K quarterly spend from 2025
- No reward points on fuel transactions
- High 3.5% forex markup for international use
- 3.75% monthly interest rate (45% p.a.)
- Limited lounge access for entry-level card
- High cash advance fees (2.5%-3%)
- Select categories excluded from rewards
- Minimum Rs.25,000 credit limit
- Limited premium benefits
Best for: BPCL fuel users, daily commuters, petrol spenders
BPCL SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹1.75/₹100
#100Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Fuel, Rewards
CardNitty's take
Pros
- 4.25% value-back on BPCL fuel (13X points + 1% surcharge waiver)
- 5X rewards on dining, departmental stores, grocery, movies
- 2,000 welcome bonus points (Rs 500 value)
- Instant redemption at 1,200+ BPCL outlets
- No minimum points for redemption
- Low fee of Rs 499, waiver at Rs 50K
- 1% fuel surcharge waiver up to Rs 4,000
- Flexipay EMI conversion available
Cons
- Fuel rewards capped at 1,300 points/cycle
- Dining/grocery rewards capped at 5,000 points/month
- Lower point value (Rs 0.25)
- No airport lounge access
- Best value only at BPCL pumps
- Higher forex markup of 3.5%
Fabindia SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Online shoppers, frequent travelers, fintech-savvy users, Amazon/Flipkart/Swiggy regulars
Fi AmpliFi Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
₹2,000
#221Rewards rate
₹0.60 - ₹3.00/₹100
#101Joining fee
₹2,000
#223Interest rate
41.88%
#88 Card details
Domestic Lounge
1/year
#120
Min Credit Score
750+
#186
Min Monthly Income ₹20
Categories Cashback, Lifestyle, Rewards, Shopping, Travel
CardNitty's take
Pros
- 3% value back on top 20+ brands (Amazon, Flipkart, Swiggy, etc.)
- Zero forex markup on international transactions
- Welcome benefits worth Rs 4,250 against Rs 2,000 joining fee
- No monthly cap on earning and redemption of Fi-coins
- Fi-coins never expire (2-year validity, auto-renewed on usage)
- Quarterly lounge access with low Rs 10,000 spend criteria
- Annual fee waiver on Rs 2.5 lakh spend
- Monthly BookMyShow BOGO offer up to Rs 200
- Milestone benefits worth Rs 7,000 on Rs 4 lakh annual spend
- Fully digital app-based card management
Cons
- Low base reward rate of only 0.6% on most spends
- High joining and annual fee of Rs 2,000 each
- 5X rewards (3%) requires Rs 15,000 monthly spend
- Only 4 lounge access visits per year (quarterly)
- No travel insurance or personal accident coverage
- High interest rate of 41.88% per annum
- Limited lounge access compared to premium cards
- Rent, wallet, and gold spends excluded from milestones
Best for: 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
IndiGo 6E Rewards
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50 - ₹3.00/₹100
#101Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹25
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹100000
- 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: Daily commuters, fuel spenders, IndianOil customers
IndianOil HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹0.64 - ₹2.72/₹100
#86Joining fee
₹500
#112Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Fuel, Rewards
CardNitty's take
Pros
- 5% fuel points on IndianOil fuel purchases
- 5% fuel points on grocery spends
- 5% fuel points on bill payments
- 1% fuel surcharge waiver (no upper limit, min Rs 400)
- Up to 50 liters free fuel annually
- Redeem fuel points at 20,000+ IndianOil outlets
- Low fee of Rs 500, waiver at just Rs 50K
- RuPay variant for UPI rewards
- Complimentary IndianOil XTRAREWARDS membership
- Joining fee waiver on Rs 20K spend in 90 days
- Low income requirement (Rs 12K/month)
Cons
- Fuel points capped at 150-250/month on fuel
- Grocery/Bill payment caps at 100 points/month each
- No airport lounge access
- No rewards on rent and government payments
- Fuel point value slightly less than Rs 1 (Rs 0.96)
- Redemption capped at 50,000 points/month
- Higher forex markup of 3.5%
Best for: RBL Insignia Preferred Banking customers, frequent travelers, premium lifestyle seekers
Insignia Preferred Banking World Card
APPLY NOW
on RBL Bank's website
Annual fee
₹7,000
#275Rewards rate
₹1.25 - ₹2.50/₹100
#114Joining fee
₹7,000
#272Interest rate
39.00%
#64 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Lifetime free for Insignia Preferred Banking customers
- 10 reward points per Rs.100 on international spend (2.5% return)
- 8 domestic lounge visits per year (2 per quarter)
- 6 international lounge visits via Priority Pass annually
- Rs.8,000 milestone vouchers on Rs.8 lakh spend
- 28,000 welcome bonus points (non-Insignia customers)
- Rs.500 BookMyShow discount twice monthly
- 4 complimentary golf rounds + 1 lesson per month
- EazyDiner Prime: 25-50% restaurant discounts
- Hotel benefits at 2,400+ premium properties
- Meet & greet at 30+ international airports
- 24/7 concierge services
- 1% fuel surcharge waiver (up to Rs.250/month)
Cons
- Exclusive to Insignia Preferred Banking customers only
- Requires Rs.30 lakh TRV or Rs.10 lakh AMB
- Rs.7,000 annual fee for non-Insignia customers
- Limited international lounge visits (6 per year)
- Additional lounge visits cost $27-$35
- Insurance benefits unclear from official sources
- Welcome bonus not available for Insignia customers
- High annual spend (Rs.10L) for fee waiver
- Lower reward rate compared to premium competitors
- 2% forex markup higher than some premium cards
Ola SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹2,999
#236Rewards rate
₹1.00 - ₹7.50/₹100
#14Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Cashback, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Direct cashback instead of points - no redemption hassle
- Good insurance coverage up to ₹50 lakh
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
RBL Popcorn
APPLY NOW
on RBL Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹2.50/₹100
#114Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹40000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Entry-level users seeking basic rewards and fuel benefits with low annual fees
VISA Platinum
APPLY NOW
on Union Bank of India's website
Annual fee
₹399
#73Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.50%
#75
Domestic Lounge
0/year
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Cashback, Entry Level, Fuel, Rewards
CardNitty's take
Pros
- No joining fee (only Rs.399 annual fee)
- Annual fee waived on Rs.50K annual spend
- 2 reward points per Rs.100 spent
- 1% fuel surcharge waiver (save up to Rs.100/month)
- Personal accident insurance up to Rs.2 lakhs
- Lost card insurance up to Rs.1.5 lakhs
- Interest-free period up to 50 days
- Cashback on utility bills (Rs.50/month)
- Cashback on IRCTC bookings (Rs.25)
- Flexible EMI options (3/6/9/12 months)
- Wide acceptance - 9 lakh merchants in India, 29 million globally
- 24x7 customer support (1800 425 1515)
Cons
- No complimentary lounge access
- Low reward rate (0.5% effective return)
- Reward points valid for only 3 years
- Minimum 100 points required for redemption
- Limited cashback offers (max Rs.50/month on utilities)
- High interest rate on cash advance (30% p.a.)
- Cash advance fee of 2.5% per transaction
- No milestone rewards or bonus points
- No dedicated lifestyle or dining benefits
- Not ideal for premium lifestyle needs
- Modest insurance coverage vs premium cards
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: Regular Apollo Pharmacy and Hospital users
Apollo SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹1.00/₹100
#190Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- 10% discount at Apollo Pharmacy up to Rs 100/month. 5% discount at Apollo hospitals. 1% fuel surcharge waiver. Free annual fee on Rs 50K spend.
Cons
- Low reward rate of 1% on general spend. Benefits limited to Apollo ecosystem. Low credit limit range.
Best for: Dining enthusiasts, online shoppers, domestic travelers
BOBCARD Select Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
₹750
#158Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
₹750
#158Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
6/year
#26
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, Lifestyle, Lounge Access, Online Shopping, Rewards
CardNitty's take
Pros
- 5X rewards on dining and online transactions (max 1,000 points/month)
- 500 welcome bonus points on Rs.5,000 spend in 60 days
- 2 domestic + 6 international lounge visits per year
- Accidental insurance: Rs.15 lakh (Air) + Rs.5 lakh (Non-Air)
- 1% fuel surcharge waiver (Rs.400-5,000, max Rs.250/month)
- Low annual fee of Rs.750 (waivable on Rs.70,000 spend)
- Up to 3 lifetime free add-on cards
- Golf privileges: 4 free rounds + lessons (MasterCard)
- Concierge service for travel & lifestyle assistance
- Complimentary movie tickets and dining offers
Cons
- 5X rewards capped at 1,000 points/month (Rs.20,000 spends)
- Point value is low at Rs.0.20 per point
- Limited lounge access (only 8 total visits/year)
- High 3.5% forex markup for international use
- No lounge access benefit clarity from some sources
- High interest rate of 42% p.a.
- Minimum income requirement of Rs.4.8 lakhs p.a.
- Cash advance fee is 2.5% or Rs.300 minimum
- Joining fee waiver needs Rs.7,500 spend in 60 days
- Limited to standard reward rate on most spends
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: Heavy fuel users, IndianOil customers, daily commuters, fleet owners, frequent drivers
IndianOil XTRA Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹1,500
#206Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
₹1,500
#207Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Categories Everyday Spending, Fuel, Rewards, Shopping
CardNitty's take
Pros
- 15 fuel points per Rs.100 at IndianOil (7.5% value-back)
- 1% fuel surcharge waiver (up to Rs.200/month)
- Total 8.5% savings on fuel purchases
- 3,000 welcome fuel points on first transaction
- 1,000 fuel points on Rs.75K quarterly milestone
- Up to 250 litres of free fuel per year
- Available on both Mastercard and RuPay
- RuPay variant offers UPI and NCMC functionality
- 2 fuel points per Rs.100 on non-fuel spends
- Rs.1,500 annual fee waived on Rs.2.75L spend
- Best fuel rewards card in India
- XTRAREWARDS loyalty program enrollment
Cons
- No airport lounge access (domestic or international)
- Maximum 2,000 fuel points per month (capped)
- Rs.1,500 + GST joining and annual fee
- Annual fee waiver requires significant non-fuel spend
- High APR of 47.88% per annum
- Forex markup of 3.5%
- Rs.99 reward redemption fee
- No travel insurance coverage
- No concierge services
- Limited benefits beyond fuel rewards
- Excluded merchant categories (utilities, insurance, wallets, etc.)
- RuPay UPI spends under Rs.2K at small merchants excluded
Axis Bank LIC
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹1.25/₹100
#175Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Axis Bank Shoppers Stop
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹0.20 - ₹2.00/₹100
#143Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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
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: EaseMyTrip frequent users, budget travelers, entry-level travel enthusiasts
EaseMyTrip Credit Card
APPLY NOW
on Standard Chartered Bank's website
Annual fee
₹350
#71Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹350
#76Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- 10x rewards (2.5%) on direct airline and hotel bookings
- Up to 20% instant discount on EaseMyTrip hotel bookings
- Up to 10% instant discount on EaseMyTrip flight bookings
- 2 domestic lounge visits per year
- No cap on reward points earning
- Zero liability protection on lost/stolen card
- Kuch Bhi EMI conversion for purchases above Rs.2,000
- Loan on card facility up to Rs.5 lakhs
- Balance transfer facility available
- Contactless payments enabled
Cons
- Lounge access limited to only 2 domestic visits per year
- International lounge access discontinued from Oct 2024
- Low base reward rate of 0.5% on regular spends
- EaseMyTrip discounts limited to once per month per category
- High reward redemption fee of Rs.99
- High 3.5% forex markup on international transactions
- High 45% annual interest rate (3.75% per month)
- Reward points expire in 2 years
- Annual fee of Rs.350 (waivable with Rs.50K spend)
- No travel insurance coverage included
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
FIRST Mayura
APPLY NOW
on IDFC First Bank's website
Annual fee
₹999
#165Rewards rate
₹0.50 - ₹1.25/₹100
#175Joining fee
₹999
#166Interest rate
9.00%
#3 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Rewards, Travel
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
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
InterMiles Voyage Classic
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
#75Rewards rate
₹0.40 - ₹0.80/₹100
#217Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 52 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
LIC IDFC FIRST Classic
APPLY NOW
on IDFC First Bank's website
Annual fee
₹499
#75Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
₹499
#78Interest rate
9.00%
#3 Card details
Forex Markup
3.50%
#75
Min Credit Score
670+
#37
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
LIC IDFC FIRST Select
APPLY NOW
on IDFC First Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.00 - ₹3.00/₹100
#101Joining fee
₹2,999
#236Interest rate
9.00%
#3 Card details
Forex Markup
1.80%
#26
Domestic Lounge
8/year
#30
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
Best for: Manchester United fans, movie buffs, dining enthusiasts
Manchester United Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
₹499
#75Rewards rate
₹0.50 - ₹0.75/₹100
#219Joining fee
₹499
#78Interest rate
44.04%
#242 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, Entry Level, Rewards
CardNitty's take
Pros
- Complimentary Manchester United-branded football on joining
- 2-3 Reward Points per Rs.100 spent (up to 0.75% base reward rate)
- Extra rewards on Manchester United match days
- 1% fuel surcharge waiver at HPCL pumps
- 25% discount on BookMyShow (up to Rs.100)
- 15% discount at 2500+ restaurants
- Up to 20% off on Manchester United museum & tour
- Low annual fee of Rs.499
Cons
- Low reward rate compared to premium cards
- Limited lounge access (1 per quarter with Rs.75,000 spend)
- High forex markup of 3.5%
- Reward points value at just Rs.0.25
- No international lounge access
- Manchester United merchandise discounts limited to Old Trafford
Max SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹999
#165Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
PVR Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
#75Rewards rate
₹0.33 - ₹1.67/₹100
#163Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
PVR Kotak Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
#75Rewards rate
₹0.33 - ₹1.67/₹100
#163Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Budget-conscious PhonePe users and online shoppers
PhonePe SBI Card PURPLE
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Cashback, Entry Level, Rewards, Shopping
CardNitty's take
Pros
- 3X rewards on PhonePe and Pincode transactions
- 2X rewards on all online spends
- Low annual fee of Rs 499, easy to waive with Rs 1 lakh spend
- Rs 500 PhonePe Gift Card as welcome benefit
- Rs 3,000 Yatra voucher on Rs 3 lakh annual spend
Cons
- Lower rewards compared to SELECT BLACK variant
- No lounge access benefits
- No Priority Pass membership
- 3.5% forex markup is high for entry-level card
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
YES Divaa
APPLY NOW
on Yes Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹499
#78Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Best for: Mid-premium users seeking balanced rewards on online and offline spends
Yes Bank Elite+
APPLY NOW
on Yes Bank's website
Annual fee
₹999
#165Rewards rate
₹0.50 - ₹1.50/₹100
#166Joining fee
₹999
#166Interest rate
N/A
Card details
Forex Markup
2.75%
#68
Domestic Lounge
8/year
#30
International Lounge
2/year
#41
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
Cons
- High income requirement of ₹900K per month
- Reward points may have limited redemption options
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
InterMiles Voyage Signature
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
1.80%
#26
Domestic Lounge
4/year
#61
Min Credit Score
725+
#176
Min Monthly Income ₹50
Categories Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 52 days
Cons
- Limited lounge access (4 visits per year)
- High interest rate of 42.00% on revolving credit
Lifestyle SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹90000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Nexxt
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 52 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Platinum Aura Edge
APPLY NOW
on IndusInd Bank's website
Annual fee
₹1,499
#195Rewards rate
₹0.70 - ₹1.40/₹100
#174Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
720+
#154
Min Monthly Income ₹25
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Reliance SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Fuel, Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Air
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹999
#165Rewards rate
₹0.33 - ₹0.83/₹100
#215Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Rewards, Travel
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: Diners and movie lovers with Rs 10K+ monthly spend
Delight Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
#75Rewards rate
₹0.33/₹100
#270Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Occasional Emirates flyers and beginners
Emirates Skywards ICICI Rubyx
APPLY NOW
on ICICI Bank's website
Annual fee
₹1,000
#183Rewards rate
₹1.50/₹100
#166Joining fee
₹1,000
#183Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Entry-level Emirates miles card at just Rs 1,000
- 1.5 Skywards Miles per Rs 100 on all spends
- Emirates Blue Tier membership included
- 25% discount on BookMyShow (up to Rs 100)
- 1% fuel surcharge waiver
- 1 domestic lounge visit per quarter (on Rs 75K spend)
Cons
- Lounge access requires Rs 75,000 quarterly spend
- Only Blue tier membership (lowest)
- 3.5% forex markup
- No international lounge access
IndusInd Aura
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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
Best for: Weekend shoppers, entry-level cardholders, moderate spenders, fuel users
Platinum Delight
APPLY NOW
on RBL Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.50 - ₹1.00/₹100
#190Joining fee
₹1,000
#183Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Fuel, Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of Rs.1,000 (waivable on Rs.2L spend)
- 4,000 welcome bonus reward points (worth Rs.1,000)
- Double rewards on weekend spending (4 RP/Rs.100)
- 1,000 monthly milestone bonus on 5 transactions of Rs.1K+
- 1% fuel surcharge waiver (up to Rs.150/month)
- Low entry barrier - Rs.40,000 minimum monthly income
- Worldwide acceptance via Visa network
- Zero fraud liability protection
- EMI and balance transfer facilities available
- Simple reward structure
Cons
- Low base reward rate (0.5% on weekdays)
- Weekend bonus capped at 1,000 points per month
- No lounge access benefits
- No insurance coverage included
- High interest rate (47.88% annually)
- Rs.99 fee per reward redemption request
- Higher forex markup at 3.5%
- Many categories excluded from rewards
- No concierge or premium benefits
- Limited to domestic travelers
Best for: Online shoppers with moderate spending
Solaris Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
#75Rewards rate
₹0.33/₹100
#270Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Regular retail spenders, domestic travelers, entry-level reward seekers
Standard Chartered Rewards Credit Card
APPLY NOW
on Standard Chartered Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.67/₹100
#232Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Beginner, Lifestyle, Lounge Access, Mastercard, Rewards
CardNitty's take
Pros
- Zero joining fee, annual fee Rs.1,000 (first year free)
- 8X rewards on retail spends above Rs.20,000/month
- 4 complimentary domestic lounge visits per year
- Annual fee reversed on Rs.1.5L annual spend
- 4,000 bonus points if annual fee is charged
- 1% fuel surcharge waiver (max Rs.400/month)
- No cap on base reward points
- Zero liability on lost/stolen card fraud
- Tap & Pay contactless payments
- Annual fee waiver threshold achievable
Cons
- Low base reward rate of 0.53-0.67%
- Bonus rewards capped at 2,000 points/month
- Rs.20,000 monthly spend needed for bonus rewards
- Redemption fee of Rs.99 + GST per request
- No rewards on fuel, cash withdrawals
- Minimal rewards on insurance/govt spends (1 point per Rs.150)
- High 3.5% forex markup fee
- No international lounge access
- Point redemption ratio 4:1 for statement credit
- High 45% APR interest rate
Standard Chartered Super Value Titanium
APPLY NOW
on Standard Chartered's website
Annual fee
₹749
#157Rewards rate
₹0.25 - ₹1.25/₹100
#175Joining fee
₹749
#157Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹72000
- 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
Tigers
APPLY NOW
on IndusInd Bank's website
Annual fee
₹999
#165Rewards rate
₹0.60/₹100
#236Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Premium lifestyle users, dining enthusiasts, high monthly spenders seeking rewards and insurance
VISA Signature
APPLY NOW
on Union Bank of India's website
Annual fee
₹1,999
#215Rewards rate
₹1.00/₹100
#190Joining fee
₹1,999
#216Interest rate
30.00%
#26 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Min Monthly Income ₹75
Categories Dining, Lifestyle, Premium, Rewards
CardNitty's take
Pros
- High reward rate: 4 points per Rs.100 (1% return)
- Annual fee waived on Rs.2.7L annual spend
- 4 complimentary domestic lounge visits per year
- 10% discount at 1,200+ partner restaurants
- Rs.30 lakh accident insurance coverage
- Rs.6 lakh accidental death cover + Rs.10 lakh air accident cover
- 5-10% discount on international car rentals
- 1% fuel surcharge waiver (up to Rs.100/month)
- VISA Signature concierge services
- 50 days interest-free period
- Contactless payments enabled
- 3 add-on cards available
- Priority customer care
Cons
- High joining and annual fee of Rs.1,999
- Annual fee waiver requires Rs.2.7L spend
- Limited lounge access (4 visits/year vs unlimited)
- No international lounge access mentioned
- High interest rate of 30% p.a.
- Higher forex markup at 3.5%
- Card replacement fee of Rs.299
- Reward points validity limited to 3 years
- No milestone benefits or bonus rewards
- Credit limit only 20% of annual income
- No dedicated travel or shopping benefits
- Minimum 100 points required for redemption
Veer Select
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
#75Rewards rate
₹0.33/₹100
#270Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Axis Bank Pride Platinum
APPLY NOW
on Axis Bank's website
Annual fee
₹999
#165Rewards rate
₹0.50/₹100
#238Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Business, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Doctor SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹999
#165Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Good insurance coverage up to ₹10 lakh
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Frequent restaurant diners in metro cities with extensive EazyDiner Prime coverage
EazyDiner Signature Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,999
#236Rewards rate
₹0.40 - ₹1.00/₹100
#190Joining fee
₹2,999
#236Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, Lifestyle, Premium, Rewards
CardNitty's take
Pros
- Complimentary EazyDiner Prime membership worth Rs.3,550
- 25-50% dining discount at 2000+ restaurants nationwide
- Postcard Hotels voucher worth Rs.7,500 on joining
- 2,000 welcome bonus EazyPoints
- 10X rewards on hotel, travel, shopping, entertainment
- Extra 25% PayEazy discount up to Rs.1,000 per transaction
- Spend-based monthly dining discount caps (up to Rs.5,000)
- 1% fuel surcharge waiver up to Rs.250 per month
- 3X EazyPoints on all card spends
- Contactless payment enabled
- Total Protect fraud insurance coverage
- Complimentary alcoholic beverage at 200+ select restaurants
Cons
- Major devaluation effective July 15, 2025
- Airport lounge access discontinued from July 2025
- BookMyShow movie benefits removed from July 2025
- Air accident insurance discontinued from Dec 21, 2025
- High annual fee of Rs.2,999 with no waiver option
- Reward point value slashed from Rs.0.20 to Rs.0.10
- Restricted to Visa network only (no RuPay/UPI payments)
- Complex monthly discount caps require Rs.30K non-dining spend
- Low base reward rate on non-category spends (0.4%)
- Rewards expire within 12 months
- High interest rate of 46% p.a.
- Forex markup of 3.5% on international transactions
FIRST Ashva
APPLY NOW
on IDFC First Bank's website
Annual fee
₹499
#75Rewards rate
₹0.20/₹100
#291Joining fee
₹499
#78Interest rate
9.00%
#3 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: PNB customers, international travelers, moderate spenders
PNB Visa Gold Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
₹750
#158Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹750
#158Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Rewards, Visa
CardNitty's take
Pros
- Moderate annual fee of Rs.750 (waived on Rs.1L spend)
- 1-2 reward points per Rs.100 spent
- Visa Gold international acceptance
- 1% fuel surcharge waiver (up to Rs.200/month)
- Up to Rs.2 lakh accidental insurance
- Interest-free period of up to 50 days
- EMI conversion facility available
- Balance transfer at lower interest rates
- Global acceptance at millions of merchants
Cons
- No airport lounge access
- Annual fee waiver requires Rs.1 lakh spend
- Basic reward rate of 0.25-0.50%
- 3.5% forex markup on international transactions
- High APR of 35.4% per annum
- Limited lifestyle benefits
- No welcome bonus or milestone rewards
- No concierge services
Platinum
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25/₹100
#276Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 52 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Standard Chartered Platinum Rewards
APPLY NOW
on Standard Chartered's website
Annual fee
₹1,499
#195Rewards rate
₹0.47 - ₹1.17/₹100
#187Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Dining, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹120000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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
HSBC Smart Value
APPLY NOW
on HSBC's website
Annual fee
₹499
#75Rewards rate
₹0.17/₹100
#297Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹60000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: New to credit users and those building credit score with secured FD card
ICICI Bank Instant Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
N/A
Card details
Categories Rewards, Secured
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Best for: Union Bank customers, basic card seekers, international transactions
Union Bank Visa Gold Credit Card
APPLY NOW
on Union Bank of India's website
Annual fee
₹500
#113Rewards rate
₹0.25/₹100
#276Joining fee
₹500
#112Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Rewards, Visa
CardNitty's take
Pros
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Visa Gold international acceptance
- 1 reward point per Rs.100 spent
- 1% fuel surcharge waiver
- Rs.2 lakh personal accident insurance
- Interest-free period up to 50 days
- EMI conversion available
Cons
- No airport lounge access
- Basic reward rate of 0.25%
- No welcome bonus
- 3.5% forex markup
- High APR of 36% per annum
YES BankBazaar
APPLY NOW
on Yes Bank's website
Annual fee
₹499
#75Rewards rate
₹0.17/₹100
#297Joining fee
₹499
#78Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
IndusInd Duo
APPLY NOW
on IndusInd Bank's website
Annual fee
₹599
#156Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹599
#156Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: 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
YES RuPay Select
APPLY NOW
on Yes Bank's website
Annual fee
₹999
#165Rewards rate
₹0.25/₹100
#276Joining fee
₹999
#166Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 41.88% on revolving credit
Best for: Young professionals seeking rewards on entertainment and lifestyle spends
HSBC Live+
APPLY NOW
on HSBC's website
Annual fee
₹999
#165Rewards rate
₹1.50 - ₹5.00/₹100
#49Joining fee
₹999
#166Interest rate
N/A
Card details
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Good reward rate of up to ₹5.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹360K per month
Best for: Lifestyle users seeking balanced rewards on dining and entertainment
IDFC FIRST Power
APPLY NOW
on IDFC First Bank's website
Annual fee
₹999
#165Rewards rate
₹0.75 - ₹2.50/₹100
#114Joining fee
₹999
#166Interest rate
N/A
Card details
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹360K per month
Best for: 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: 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