Showing 43 cards
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: Flipkart, Myntra shoppers, online shopping enthusiasts
Flipkart Axis Bank
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
₹500
#112Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹15,000
Categories Cashback, Entry Level, Lifestyle, Shopping
CardNitty's take
Pros
- 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% unlimited on Swiggy/Uber, Low income requirement Rs 15K, Fee waiver on Rs 3.5L spend
Cons
- No lounge access (removed June 2025), Cashback caps on Flipkart/Myntra Rs 4K/quarter, 3.5% forex markup, Limited travel benefits
Best for: Flipkart and Myntra shoppers seeking high cashback on online purchases
Flipkart Axis Bank
APPLY NOW
on Axis Bank's website
Annual fee
₹500
#113Rewards rate
₹1.50 - ₹6.25/₹100
#30Joining fee
₹500
#112Interest rate
52.86%
#280 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Categories Cashback, Lounge Access, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹350000
- Direct cashback instead of points - no redemption hassle
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 52.86% on revolving credit
- High income requirement of ₹300K per month
Best for: Online shoppers, food delivery users, young professionals
HDFC Millennia
APPLY NOW
on HDFC Bank's website
Annual fee
₹1,000
#183Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹1,000
#183Interest rate
43.20%
#237 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
700+
#54
Min Monthly Income ₹25,000
Categories Cashback, Dining, Entry Level, Lifestyle, Shopping
CardNitty's take
Pros
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & more
- 1% cashback on all other spends
- Low annual fee of Rs 1,000 (waived on Rs 1L spend)
- Good for online shopping and food delivery
- Fuel surcharge waiver (1%)
- CashPoints = Rs 1 value
Cons
- High forex markup (3.5%)
- No travel insurance
- Cashback capped at 1,000 points per month on 5% category
- No lounge access by default (only via quarterly milestone)
- Age limit of 40 years
Best for: Online shoppers, e-commerce enthusiasts, simple cashback seekers
SBI Cashback
APPLY NOW
on SBI Cards's website
Annual fee
₹999
#165Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹999
#166Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Categories Cashback, Shopping
CardNitty's take
Pros
- 5% cashback on ALL online purchases. No merchant restrictions. 1% on offline. Simple auto-credited cashback. Free add-on cards
Cons
- No lounge access. No fuel cashback. Rs 5K monthly cap. 3.5% forex markup
Best for: Online shoppers who frequently shop on Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore, earning 3.3% value back on these platforms.
HDFC MoneyBack Plus
Annual fee
₹500
#113Rewards rate
₹0.33 - ₹3.33/₹100
#96Joining fee
₹500
#112Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Cashback, Entry Level, Shopping
CardNitty's take
Pros
- 10X CashPoints (3.3% value back) on Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore
- Quarterly milestone benefit of Rs.500 gift voucher on Rs.50,000 spend
- Low annual fee of Rs.500 with easy waiver at Rs.50,000 annual spend
- 1% fuel surcharge waiver on transactions between Rs.400-Rs.5,000
- 10% additional discount on Swiggy Dineout
- Welcome and renewal benefits of 500 CashPoints each
Cons
- No airport lounge access
- Maximum 2,500 CashPoints per month on 10X category (caps at Rs.18,750 spend)
- No reward points on fuel, rent, government payments, wallet loads, and EMI transactions
- Base reward rate of 0.33% is relatively low for non-partner spends
- High forex markup of 3.5% makes it unsuitable for international transactions
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: Digital natives, online shoppers, streaming/gaming enthusiasts
HDFC Pixel Play
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹3.00/₹100
#49Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Lifestyle, Shopping
CardNitty's take
Pros
- 5% cashback on 2 customizable packs (Myntra, Nykaa, Zomato, BookMyShow, etc.)
- 3% cashback on 1 e-commerce (Amazon/Flipkart/PayZapp)
- 1% unlimited cashback on all other spends
- 1% on UPI spends (RuPay variant) - 500 points/month cap
- Digital-first card managed via PayZapp app
- Instant digital card issuance
- Customize cashback categories every 3 months
- Low annual fee of Rs 500, waiver at Rs 1L
- 1% fuel surcharge waiver (capped Rs 250/month)
- 10% off via Swiggy Dineout
- RuPay variant available for UPI rewards
Cons
- 5% cashback capped at 500 points/month per pack
- 3% e-commerce capped at 500 points/month
- No airport lounge access
- Higher forex markup of 3.5%
- No rewards on fuel, rent, EMI, wallet, govt spends
- Requires PayZapp app for management
- Not a physical card by default
Best for: Shopping rewards, lifestyle offers
RBL ShopRite
APPLY NOW
on RBL Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Categories Entry Level, Shopping
CardNitty's take
Pros
- Low fee, shopping rewards, easy approval
Cons
- Basic reward rate, limited premium benefits
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%
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
Best for: Fashion enthusiasts seeking rewards on apparel and lifestyle shopping
SBI StyleUp
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹499
#78Interest rate
N/A
Card details
Categories Lifestyle, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹100000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹300K per month
Best for: 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: Amazon shoppers, Prime members, cashback seekers
Amazon Pay ICICI
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
#1Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
45.60%
#259 Card details
Forex Markup
1.99%
#33
Min Credit Score
700+
#54
Categories Cashback, Entry Level, Lifetime Free, Shopping
CardNitty's take
Pros
- 5% cashback on Amazon for Prime, Lifetime free, Low forex markup 1.99%, No reward expiry, Instant virtual card
Cons
- No lounge access, No travel benefits, Cashback excluded on fuel/rent/utilities, Lower rewards for non-Prime
Best for: Indian Army personnel, veterans, defense families, grocery shoppers, frequent flyers
BOBCARD Yoddha
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifestyle, Lifetime Free, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free credit card with no joining or annual fees
- 5X reward points (10 RP per Rs 100) on grocery and departmental stores
- Welcome benefits: 1,000 reward points + 6-month FITPASS Pro membership (Rs 15,000 value)
- 8 complimentary domestic airport lounge visits per year
- Free Amazon Prime membership for 12 months on Rs 1 lakh spend in 90 days
- Accidental death insurance coverage of Rs 20 lakhs
- 4 complimentary golf lessons or games per year
- 1% fuel surcharge waiver (up to Rs 250/month)
- 24x7 domestic and international concierge services
- Exclusively designed for Indian Army personnel and veterans
Cons
- Low base reward rate of only 2 points per Rs 100 (0.5%)
- 5X rewards capped at 1,000 reward points per month
- Lounge access requires Rs 20,000 quarterly spend (effective Jan 2025)
- High forex markup of 3.5% on international transactions
- High interest rate of 41.88% per annum
- Limited to Indian Army personnel, veterans, Veer Nari, and cadets only
- Fuel transactions not eligible for reward points
- UPI transactions don't qualify for bonus rewards
- Relatively low point value at Rs 0.25 per point
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: 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: 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: Online shoppers who make at least 4 transactions per month
Cashback
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Entry Level, Fuel, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹100000
- 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: Offline grocery shoppers, supermarket spends, entry-level users
Manhattan Platinum Credit Card
APPLY NOW
on Standard Chartered's website
Annual fee
₹999
#165Rewards rate
₹2.00 - ₹5.00/₹100
#49Joining fee
₹999
#166Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Beginner, Cashback, Grocery, Shopping
CardNitty's take
Pros
- 5% cashback on groceries, supermarkets & departmental stores
- 5,000 bonus reward points on joining (worth Rs.1,500)
- BookMyShow vouchers worth Rs.2,000 on first transaction
- Contactless tap & pay feature
- Annual fee waiver on Rs.1.2L spend
- Easy redemption via 360-degree Rewards portal
- Standard Chartered Good Life programme discounts
- Accepted at merchant outlets globally
- Zero liability on lost/stolen card fraud
- Up to 50 days interest-free period
Cons
- No airport/railway lounge access
- Cashback capped at Rs.500/month and Rs.150/transaction
- 5% cashback only on offline grocery stores (min Rs.1,000)
- Low reward rate of 2% on general spends
- High annual fee of Rs.999
- High 3.5% forex markup
- Very high interest rate at 45% p.a.
- 1% fuel surcharge not waived
- Not accepting new applications currently
- Online grocery stores excluded from cashback
Metro
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹500
#112Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Cashback, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- 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: 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: 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
Axis Bank Samsung Infinite
APPLY NOW
on Axis Bank's website
Annual fee
₹10,000
#277Rewards rate
₹0.50 - ₹7.50/₹100
#14Joining fee
₹10,000
#275Interest rate
40.80%
#68 Card details
Forex Markup
2.00%
#38
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹600000
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- No complimentary lounge access
- High interest rate of 40.80% on revolving credit
Best for: RBL Signature Banking customers, cashback seekers, domestic travelers, frequent shoppers
Signature Banking Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.00 - ₹4.00/₹100
#91Joining fee
FREE
#1Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Cashback, Lounge Access, Premium, Shopping, Travel
CardNitty's take
Pros
- Lifetime free for Signature Banking customers
- 4% unlimited cashback on flights, hotels, and shopping
- 1% cashback on all other purchases (up to Rs.1,500/month)
- Rs.2,000 cashback on Rs.4 lakh annual spend
- Additional Rs.4,000 cashback on Rs.6 lakh annual spend
- Total potential Rs.6,000 milestone cashback annually
- 2 domestic lounge visits per quarter (8 per year)
- 2 international Priority Pass visits annually
- Buy 1 Get 1 movie tickets monthly on BookMyShow (up to Rs.250)
- Cashback credited directly to RBL savings account
- Annual fee Rs.2,500 waived for account holders
- Priority banking relationship benefits
Cons
- Exclusive to Signature Banking customers only
- Rs.2,500 annual fee for non-Signature customers
- 1% cashback capped at Rs.1,500 per billing month
- Limited international lounge access (2 visits/year)
- High forex markup of 3.5% (not ideal for travel)
- Very high APR of 47.88% annually (3.99% monthly)
- Cashback redemption fee of Rs.99 + GST
- Cashback expires if not redeemed within 3 months
- No cashback on groceries, dining, fuel, utilities
- No cashback on wallet loads, government payments
- Requires maintaining Signature Banking relationship
- Limited insurance coverage details available
Best for: Lifestyle spending, electronics, apparel, entertainment, first credit card
Signet Credit Card
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.12 - ₹0.38/₹100
#269Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Entertainment, Lifestyle, Lifetime Free, Shopping
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on electronics and apparel purchases
- 2x rewards on entertainment spending
- 1 complimentary domestic lounge access per quarter
- Rs.200 Amazon voucher on Rs.3K spend in 30 days
- Complimentary Swiggy vouchers on Rs.20K quarterly spend
- BOGO movie tickets on INOX (once per quarter)
- 1% fuel surcharge waiver (up to Rs.150/month)
- Personal accident insurance cover of Rs.2 lakhs
- Low minimum income requirement
Cons
- Very low base reward rate (0.125% on general spends)
- Lower point value compared to premium cards
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access - only 1 visit per quarter
- Quarterly spend threshold required for lounge access
- No international lounge access
- Reward points valid for limited period
- No welcome bonus on card issuance
- Category benefits limited to specific MCCs
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: Big Bazaar shoppers, Fbb customers, dining enthusiasts
SBI FBB STYLEUP
APPLY NOW
on SBI Cards's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹1.38/₹100
#114Joining fee
₹499
#78Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Categories Shopping
CardNitty's take
Pros
- 10X rewards at Big Bazaar, Fbb, Food Bazaar, and all dining
- Flat 10% off on apparel at Fbb and Big Bazaar year-round
- Rs 500 gift voucher on joining fee payment
- 2,000 bonus points on annual fee payment
- 1% fuel surcharge waiver (Rs 500-3000)
- Flexipay EMI conversion
- Contactless Visa payWave
- Low annual fee of Rs 499
Cons
- Lower point value (Rs 0.25)
- Rs 99 redemption fee on products/vouchers
- No airport lounge access
- Best value limited to Future Group stores
- Higher forex markup of 3.5%
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 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
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
Best for: Patanjali loyalists, Ayurveda/wellness enthusiasts, Swadeshi supporters
PNB Patanjali RuPay Platinum
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹0.75/₹100
#219Joining fee
₹500
#112Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, RuPay, Shopping
CardNitty's take
Pros
- 3x reward points on Patanjali store purchases
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Exclusive discounts at Patanjali outlets
- 1-3 reward points per Rs.100 spent
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver
- Rs.2 lakh accidental insurance coverage
- NCMC functionality for transit payments
- Support for Made in India brand
Cons
- No airport lounge access
- Limited bonus rewards to Patanjali stores only
- Basic reward rate (0.25%) on non-Patanjali spends
- No welcome bonus
- 3.5% forex markup
- High APR of 35.4% per annum
- Niche appeal - best for Patanjali loyalists
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
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
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
Reliance SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
#195Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹1,499
#196Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Fuel, Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: 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: Flipkart and Myntra shoppers seeking high cashback on purchases
Flipkart SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
₹500
#112Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Categories Cashback, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹350000
- Good reward rate of up to ₹7.50 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹300K per month