Showing 94 cards
Best for: Frequent travelers wanting unlimited lounge access, Rs.1/point SmartBuy redemption, complimentary golf, and premium memberships like Club Marriott and Amazon Prime.
HDFC Diners Club Black
Annual fee
₹10,000
#277Rewards rate
₹3.33 - ₹19.16/₹100
#4Joining fee
₹10,000
#275Interest rate
43.20%
#237 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Travel
CardNitty's take
Pros
- Unlimited domestic and international lounge access for primary and add-on cardholders
- Industry-best reward redemption at Rs.1 per point on SmartBuy (flights/hotels)
- 10X rewards on SmartBuy bookings offering exceptional travel value
- 6 complimentary golf games per quarter at 150+ premium courses worldwide
- Complimentary Club Marriott, Times Prime, Amazon Prime memberships on Rs.8L spend
- Low 2% forex markup - one of the best among Indian credit cards
- 2X reward points on weekend dining at participating restaurants
Cons
- Currently not accepting new applications - upgrade or invitation only
- High annual fee of Rs.10,000 (waived at Rs.5L spend)
- Diners Club network has limited acceptance at smaller merchants
- High eligibility threshold - Rs.2.5L monthly income required
- No welcome bonus or joining benefits
Best for: High-income professionals, frequent travelers, premium lifestyle seekers
HDFC Diners Club Black Metal Edition
APPLY NOW
on HDFC Bank's website
Annual fee
₹10,000
#277Rewards rate
₹3.33 - ₹19.16/₹100
#4Joining fee
₹10,000
#275Interest rate
23.88%
#20 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 5 reward points per Rs 150 spent (3.33% base reward rate)
- Up to 10X rewards on SmartBuy (33% on hotels)
- Monthly cap of 75,000 reward points (9L annually)
- Unlimited lounge access to 1,300+ lounges worldwide
- Premium metal card construction
- 6 complimentary golf games per quarter (24/year)
- Rs 2 crore air accident insurance
- Rs 50 lakh emergency overseas medical cover
- 5X rewards on Swiggy and Zomato
- 2X rewards on weekend dining
- 10,000 bonus points on Rs 4L quarterly spend
- Welcome benefits: Club Marriott + Amazon Prime + Swiggy One
- BookMyShow Buy 1 Get 1 offer
- Low forex markup of 2%
Cons
- High annual fee of Rs 10,000 + GST
- Very high income requirement (Rs 2.5L/month salaried)
- Limited Diners Club network acceptance
- No rewards on fuel, rent, utility, government transactions
- Requires Rs 8L spend for fee waiver
- SmartBuy capped at 10,000 points monthly
- Weekend dining capped at 1,000 points/day
Best for: Frequent domestic/international travelers, airline miles collectors
Axis Atlas
APPLY NOW
on Axis Bank's website
Annual fee
₹5,000
#266Rewards rate
₹0.80 - ₹2.00/₹100
#143Joining fee
₹5,000
#263Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 5 EDGE Miles per Rs 100 on travel bookings
- 2 EDGE Miles per Rs 100 on all other spends
- Tier-based lounge access (up to 18 domestic + 12 international)
- Transfer to 20+ airline partners (5:2 ratio)
- Rs 2.5 Cr air accident insurance
- 2,500 welcome EDGE Miles
- Up to 5,000 anniversary EDGE Miles
- Lost baggage cover up to $500
Cons
- High forex markup of 3.5%
- No fee waiver option
- Many excluded categories (fuel, rent, utilities, gold)
- Rs 2L monthly cap on accelerated miles
- High interest rate at 45% annual
- Concierge service discontinued
Best for: High-income travelers, frequent flyers, Rs 25L+ annual spenders
Axis Magnus
APPLY NOW
on Axis Bank's website
Annual fee
₹12,500
#290Rewards rate
₹2.40 - ₹8.50/₹100
#13Joining fee
₹12,500
#290Interest rate
42.58%
#234 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Dining, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited domestic and international lounge access
- Excellent rewards on Travel Edge portal (up to 12% value)
- Welcome benefit worth Rs 12,500 (flight ticket/voucher)
- Accelerated rewards above Rs 1.5L monthly spend
- Transfer to airline/hotel partners at 5:2 ratio
- Low 2% forex markup
- No cash withdrawal fee
- Up to 30% dining discounts via EazyDiner
Cons
- High annual fee of Rs 12,500
- Very high spend threshold (Rs 25L) for fee waiver
- Lounge access requires Rs 50K spend in previous 3 months
- BOGO movies and concierge removed in 2024
- 5:2 transfer ratio (not the best)
- Guest lounge visits reduced to 4/year
- NO rewards on: Insurance, Fuel, Gold/Jewelry, Government, Utility/Telecom
- Rent payments capped at Rs 50K/month for rewards
- Transfer cap: 1L to Group A partners, 4L to Group B partners annually
American Express Platinum
APPLY NOW
on American Express's website
Annual fee
₹60,000
#304Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹60,000
#303Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1900000
- Unlimited international lounge access
- Unlimited domestic lounge access
- Comprehensive insurance coverage up to ₹11 crore
- Complimentary golf privileges
- Spa and wellness benefits
Cons
- High annual fee of ₹60000 may not suit everyone
- Significant joining fee of ₹60000
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹150K per month
Best for: Ultra-premium lifestyle, travel concierge, exclusive access
American Express Platinum Charge
APPLY NOW
on American Express's website
Annual fee
₹60,000
#304Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹60,000
#303Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
0/year
International Lounge
0/year
Min Credit Score
780+
#268
Categories Lifestyle, Lounge Access, Premium, Travel
CardNitty's take
Pros
- Exceptional travel benefits, Centurion lounge access, hotel elite status, concierge
Cons
- Highest fee in market, charge card not credit card, limited acceptance
Best for: Premium spenders, frequent travelers, SmartBuy shoppers
HDFC Regalia
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.33 - ₹9.16/₹100
#12Joining fee
₹2,500
#228Interest rate
41.88%
#88 Card details
Forex Markup
2.00%
#38
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 4 RP per Rs 150 (2.67% return), 10X on SmartBuy, Priority Pass international lounge, Rs 15K milestone rewards, Good forex 2%
Cons
- Lounge access now spend-based (Rs 1L/quarter), High income requirement Rs 1L/month, 4K cap on accelerated rewards
Best for: Moderate travelers, lifestyle shoppers, professionals earning Rs 1.5L+/month
HDFC Regalia Gold
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.33 - ₹5.83/₹100
#40Joining fee
₹2,500
#228Interest rate
43.20%
#237 Card details
Forex Markup
2.00%
#38
Domestic Lounge
12/year
#23
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
CardNitty's take
Pros
- Affordable annual fee of Rs 2,500
- Rs 2,500 welcome voucher covers first year fee
- 12 domestic lounge visits per year
- 6 international Priority Pass visits
- 5X rewards on lifestyle brands (Myntra, Nykaa, Reliance Digital)
- Up to Rs 16,000 milestone benefits annually
- Swiggy One + MMT Black Gold on Rs 1L spend
- Rs 1 crore air accident insurance
- Rs 15 lakh overseas medical cover
- Low 2% forex markup
Cons
- Lower base reward rate (4 points per Rs 150)
- Point value only Rs 0.50 (vs Rs 1 for premium cards)
- Priority Pass visits charged if used in India
- Limited to 6 international lounge visits
- 5,000 points cap on lifestyle brands monthly
- 50,000 points monthly redemption cap on SmartBuy
- Rs 99 redemption fee per transaction
Best for: Ultra HNIs, frequent international travelers, luxury lifestyle seekers, golf enthusiasts
Axis Bank Reserve
APPLY NOW
on Axis Bank's website
Annual fee
₹50,000
#300Rewards rate
₹1.50 - ₹3.00/₹100
#101Joining fee
₹50,000
#298Interest rate
42.58%
#234 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited domestic & international lounge access. 50 complimentary golf rounds annually. Premium memberships (Club Marriott, EazyDiner Prime, Accor Plus). 3% rewards on international spends. VIP airport assistance & luxury transfers. Metal card design
Cons
- Very high annual fee of Rs 50,000. Invite-only availability. Requires Rs 35L spend for fee waiver. Not suitable for domestic-focused users. Complex reward redemption
Best for: Ultra-premium benefits, unlimited lounge, concierge
IndusInd Legend
APPLY NOW
on IndusInd Bank's website
Annual fee
₹10,000
#277Rewards rate
₹2.00 - ₹5.00/₹100
#49Joining fee
₹10,000
#275Interest rate
42.00%
#108 Card details
Forex Markup
1.80%
#26
Domestic Lounge
0/year
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Exceptional rewards, unlimited Priority Pass, personal concierge, golf access
Cons
- Very high fee, invite-only, limited availability
Best for: Premium travel, airline miles, international travel
Standard Chartered Ultimate
APPLY NOW
on Standard Chartered's website
Annual fee
₹5,000
#266Rewards rate
₹3.75 - ₹6.25/₹100
#30Joining fee
₹5,000
#263Interest rate
41.40%
#82 Card details
Forex Markup
2.50%
#63
Domestic Lounge
0/year
Min Credit Score
780+
#268
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Excellent miles earning, unlimited lounge, travel benefits, golf
Cons
- Invite-only, moderate forex markup
Kotak Privy League Signature
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹10,000
#277Rewards rate
₹1.00 - ₹4.00/₹100
#91Joining fee
₹10,000
#275Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
12/year
#23
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹400000
- 4 complimentary international lounge visits per year
- Generous 12 domestic lounge visits per year
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹100K per month
Best for: Premium lifestyle users seeking high rewards and international lounge access
HDFC Diners Club Privilege Plus
APPLY NOW
on HDFC Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.33 - ₹3.33/₹100
#96Joining fee
₹2,500
#228Interest rate
N/A
Card details
Forex Markup
3.50%
#75
International Lounge
8/year
#21
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Good reward rate of up to ₹6.67 per ₹100
- 8 complimentary international lounge visits per year
- Comprehensive insurance coverage up to ₹1 crore
Cons
- Reward rates vary significantly across categories
- High forex markup of 3.50% on international transactions
- High income requirement of ₹480K per month
American Express Centurion
APPLY NOW
on American Express's website
Annual fee
₹2,50,000
#306Rewards rate
₹2.00/₹100
#143Joining fee
₹8,00,000
#307Interest rate
N/A
#1 Card details
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Unlimited international lounge access
- Comprehensive insurance coverage up to ₹15 crore
- Complimentary golf privileges
- Spa and wellness benefits
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹250000 may not suit everyone
- Significant joining fee of ₹800000
- High income requirement of ₹1000K per month
- Invite-only card - not available for direct application
Best for: Burgundy Private clients, international travelers, golf enthusiasts, luxury hotel lovers
Axis Bank Burgundy Private
APPLY NOW
on Axis Bank's website
Annual fee
₹50,000
#300Rewards rate
₹1.50/₹100
#166Joining fee
₹50,000
#298Interest rate
19.56%
#18 Card details
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 0% forex markup - first in India
- 15 EDGE Points per Rs.200 (1.5% base, up to 6% on travel)
- Unlimited Priority Pass for primary + add-on cards
- 50 complimentary golf rounds per year
- Rs.4.5 crore air accident insurance
- Zero cash withdrawal interest until due date
- No late payment charges
- 8 airport concierge visits
- Club Marriott + Taj Epicure + ALL Accor memberships
Cons
- Rs.50,000 fees (waived for Burgundy clients only)
- Requires Rs.5 crore relationship or Rs.10L monthly salary
- 15L annual points transfer cap
- Points expire 30 days after card closure
- Rent rewards capped at Rs.1L/month
- Insurance capped at 6,000 points/month
Best for: Frequent travelers, ixigo users, international spenders
AU Ixigo Credit Card
APPLY NOW
on AU Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹1.25 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Domestic Lounge
4/year
#61
International Lounge
1/year
#55
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Co-Branded, Lifetime Free, Lounge Access, Travel, Zero Forex
CardNitty's take
Pros
- Zero forex markup on international transactions
- 16 domestic + 1 international lounge access per year
- 16 complimentary railway lounge visits annually
- 10% discount on flights, hotels, buses via ixigo
- 1000 welcome points + Rs.1,000 ixigo vouchers
- Up to 10 points per Rs.100 on train bookings
- Zero joining and annual fee (lifetime free)
- 1% fuel surcharge waiver (max Rs.250/month)
- 48 days interest-free credit period
- Up to Rs.2L comprehensive insurance coverage
Cons
- Low base reward rate of 2.5 points per Rs.100
- Points valued at only Rs.0.50 each for redemption
- Quarterly spend of Rs.20K needed for lounge access
- 10,000 points monthly cap limits earnings
- Points expire after 2 years from earning date
- Reward redemption fee of Rs.99 + GST
- No points on fuel, rent, insurance, jewellery
- High 41.88% APR interest rate
- Minimum Rs.25,000 monthly income required
- Only one AU card allowed per customer
AU Zenith
APPLY NOW
on AU Small Finance Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.50 - ₹6.25/₹100
#30Joining fee
₹2,999
#236Interest rate
39.00%
#64 Card details
Forex Markup
2.00%
#38
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Good insurance coverage up to ₹50 lakh
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Best for: Credit beginners, students, frequent international travelers on budget
OneCard (Plastic)
APPLY NOW
on FPL Technologies's website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
1.00%
#14
Min Credit Score
750+
#186
Categories Entry Level, Lifetime Free, Rewards, Student, Travel
CardNitty's take
Pros
- Lifetime free with zero joining and annual fees
- Industry-lowest 1% forex markup fee
- 5X rewards on top 2 spending categories
- Fractional reward points on all spends
- Fully app-based with instant virtual card
- No reward points expiry or redemption fees
- FD-backed option for credit beginners
- MyFamily feature for up to 5 add-on cards
- Excellent app control and transaction tracking
Cons
- Low base reward rate of only 0.2%
- No airport lounge access benefits
- No travel or insurance coverages
- 5X rewards require minimum 3 categories spending
- High interest rate of 36% per annum
- Rs 3000 early closure fee within 6 months
- Limited customer support availability
- Lower credit limits compared to premium cards
Best for: IndusInd premium customers, international travelers, luxury lifestyle seekers
IndusInd Pioneer Heritage
APPLY NOW
on IndusInd Bank's website
Annual fee
₹25,000
#297Rewards rate
₹1.00 - ₹2.50/₹100
#114Joining fee
₹1,00,000
#305Interest rate
46.00%
#260 Card details
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 0% forex markup on international transactions
- 1 RP = Rs.1 or 1 Airmile value
- 2.5X rewards on international spends
- Welcome vouchers worth Rs.1 lakh
- Rs.2.5 crore personal accident cover
- Rs.5,000 Luxe gift card for luxury brands
- Priority Pass (Visa variant)
- No late payment or overlimit fees
- Free cash advances
Cons
- Rs.1 lakh joining fee is highest in category
- Requires Rs.10L AQB or Rs.30L NRV
- Only 2 lounge visits per quarter (non-metal)
- InterMiles redemption discontinued
- Golf benefits reduced from March 2025
- ITC Club Culinaire discontinued Oct 2025
Best for: Travelers seeking international lounge access and travel benefits
RBL World Safari
APPLY NOW
on RBL Bank's website
Annual fee
₹3,000
#248Rewards rate
₹1.00 - ₹2.50/₹100
#114Joining fee
₹3,000
#248Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
0/year
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Generous 8 domestic lounge visits per year
- Good insurance coverage up to ₹50 lakh
Cons
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
Best for: Premium lifestyle, low forex markup, excellent travel
YES First Exclusive
APPLY NOW
on Yes Bank's website
Annual fee
₹2,500
#227Rewards rate
₹2.00 - ₹4.00/₹100
#91Joining fee
₹2,500
#228Interest rate
42.00%
#108 Card details
Forex Markup
1.75%
#24
Domestic Lounge
0/year
International Lounge
8/year
#21
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Excellent reward rate, low forex markup, unlimited lounge, golf
Cons
- Higher annual fee, YES Bank perception
Best for: International travelers, travel app users, budget-conscious users wanting premium benefits
Federal Bank Scapia
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹10.00 - ₹12.50/₹100
#8Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Cashback, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime FREE - zero joining and annual fee
- 0% forex markup - saves 2-3.5% on international transactions
- 10% Scapia Coins on all spends (2% effective cashback)
- 20% Scapia Coins on travel bookings (4% cashback)
- Unlimited domestic lounge access (with Rs.10K spend)
- Dual network: Visa + RuPay for UPI credit
- No-cost EMI on travel bookings
- Virtual card activated instantly
Cons
- No rewards on international transactions (forex benefit only)
- No international lounge access
- Coins redeemable only for travel on Scapia app
- Categories excluded: rent, fuel, utilities, gift cards
- Standard 45% APR interest rate
- Airport benefits limited to domestic
FIRST Wealth
APPLY NOW
on IDFC First Bank's website
Annual fee
₹10,000
#277Rewards rate
₹3.00 - ₹7.50/₹100
#14Joining fee
₹10,000
#275Interest rate
9.00%
#3 Card details
Domestic Lounge
Unlimited
#1
International Lounge
12/year
#17
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹500000
- 12 complimentary international lounge visits per year
- Unlimited domestic lounge access
- Good insurance coverage up to ₹52 lakh
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- High income requirement of ₹100K per month
- Invite-only card - not available for direct application
Best for: Frequent IndiGo flyers, premium travelers, lounge users
6E Rewards XL IndiGo HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹1,500
#206Rewards rate
₹1.00 - ₹2.00/₹100
#101Joining fee
₹1,500
#207Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 3% 6E Rewards on IndiGo flight bookings
- 2% 6E Rewards on dining, entertainment, groceries
- 1% 6E Rewards on all other spends
- 8 domestic lounge visits per year (2/quarter)
- 1 6E Reward = Rs 1 redemption value
- Enhanced welcome benefits vs base card
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- 6E Rewards valid for 2 years
- Access to 17 lounges across India
- Contactless payments enabled
Cons
- Higher annual fee of Rs 1,500
- Higher forex markup of 3.5%
- Rs 200 redemption fee per person
- No rewards on group/corporate/agent bookings
- Higher income requirement (Rs 1L/month)
- Limited to domestic lounges only
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
Best for: HNIs, luxury lifestyle seekers, frequent international travelers, high spenders
SBI Aurum
APPLY NOW
on SBI Cards's website
Annual fee
₹9,999
#276Rewards rate
₹1.00/₹100
#190Joining fee
₹9,999
#273Interest rate
42.00%
#108 Card details
Forex Markup
1.99%
#33
Domestic Lounge
4/year
#61
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited international lounge access. Up to Rs 35,000 in milestone vouchers. 16 golf rounds + 12 lessons annually. Low 1.99% forex markup. 4 BookMyShow tickets monthly. Club Marriott and WSJ memberships
Cons
- Only 1% base reward rate. High Rs 12L spend for fee waiver. Invite-only availability. No rewards on fuel and utilities. Annual fee of Rs 9,999
Best for: Frequent travelers, iShop users, luxury lifestyle seekers, those booking hotels/flights often
ICICI Emeralde
APPLY NOW
on ICICI Bank's website
Annual fee
₹12,000
#288Rewards rate
₹1.00 - ₹3.00/₹100
#101Joining fee
₹12,000
#287Interest rate
23.88%
#20 Card details
Forex Markup
1.50%
#18
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited domestic & international lounge access. Up to 12X rewards on hotel bookings via iShop. Low 1.5% forex markup. Rs 750 off on BookMyShow. Golf rounds based on spend. Rs 3 Cr air accident cover. Cancellation refund up to Rs 12,000
Cons
- High income requirement (Rs 2L/month salaried). Low base reward value of Rs 0.25. Annual fee of Rs 12,000. Requires Rs 10L spend for fee waiver. Lounge access only for primary cardholder
Best for: Vistara frequent flyers, premium lounge, miles earning
Axis Bank Vistara Infinite
APPLY NOW
on Axis Bank's website
Annual fee
₹10,000
#277Rewards rate
₹2.00 - ₹5.50/₹100
#42Joining fee
₹10,000
#275Interest rate
40.80%
#68 Card details
Forex Markup
2.00%
#38
Domestic Lounge
0/year
International Lounge
8/year
#21
Min Credit Score
780+
#268
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Excellent miles earning, complimentary flights, lounge access, club vistara upgrades
Cons
- High fee, miles only valuable for Vistara travel
Best for: Frequent Air India/Vistara domestic travelers seeking complimentary tickets
Vistara Signature
APPLY NOW
on Axis Bank's website
Annual fee
₹3,000
#248Rewards rate
₹1.50 - ₹2.25/₹100
#141Joining fee
₹3,000
#248Interest rate
40.80%
#68 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- ['Complimentary Premium Economy ticket as welcome benefit', 'Up to 4 additional tickets through milestone spends', 'Maharaja Club Silver membership included', '8 domestic lounge visits per year', '3 complimentary golf rounds annually']
Cons
- ['Not accepting new applications currently', 'Lounge access requires Rs 50,000 quarterly spend', 'Limited international travel benefits', 'Lower point value compared to premium cards']
American Express Platinum Reserve
APPLY NOW
on American Express's website
Annual fee
₹5,000
#266Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Dining, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Comprehensive insurance coverage up to ₹1 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹5000 may not suit everyone
- Significant joining fee of ₹5000
- Limited lounge access (6 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Domestic travelers, Taj Hotels users, milestone spenders
American Express Platinum Travel
APPLY NOW
on American Express's website
Annual fee
₹5,000
#266Rewards rate
₹1.00/₹100
#190Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 10K welcome points. 8 domestic lounge visits. Priority Pass. Taj voucher Rs 10K on Rs 4L spend. Points never expire
Cons
- Rs 5,900 fee not waivable. Limited Amex acceptance. Intl lounge costs USD 35
YES First Preferred Plus
APPLY NOW
on Yes Bank's website
Annual fee
₹4,999
#260Rewards rate
₹0.75 - ₹3.00/₹100
#101Joining fee
₹4,999
#258Interest rate
41.88%
#88 Card details
Forex Markup
2.00%
#38
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
- Extended interest-free period of 50 days
Cons
- High interest rate of 41.88% on revolving credit
- Reward points may have limited redemption options
Best for: Business owners, self-employed professionals, frequent travelers
HDFC BizBlack
APPLY NOW
on HDFC Bank's website
Annual fee
₹10,000
#277Rewards rate
₹3.33 - ₹10.00/₹100
#11Joining fee
₹10,000
#275Interest rate
23.88%
#20 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Business, Lounge Access, Premium, Travel
CardNitty's take
Pros
- 5 reward points per Rs 150 spent (3.33% base reward rate)
- 5X accelerated rewards on spends over Rs 50K/cycle
- Up to 150,000 reward points per statement cycle
- Unlimited domestic and international lounge access
- Priority Pass membership (1,000+ lounges)
- 6 complimentary golf games per quarter (24/year)
- 24/7 exclusive concierge service
- Club Marriott + Taj vouchers worth Rs 5K welcome benefit
- Rs 5K voucher for every Rs 5L spend
- Low forex markup of 2%
- 55 days interest-free period
- Rs 9L credit liability cover
Cons
- High annual fee of Rs 10,000 + GST
- High income requirement (ITR Rs 30L+)
- For business/self-employed only (not salaried)
- Limited Diners Club merchant acceptance
- No rewards on fuel, wallet, rent, education, EMI
- 1% charge on gaming spends over Rs 10K/month (from July 2025)
Primus
APPLY NOW
on Axis Bank's website
Annual fee
₹3,54,000
#307Rewards rate
₹5.00/₹100
#49Joining fee
₹5,90,000
#306Interest rate
12.68%
#17 Card details
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lifestyle, Lounge Access, Premium, Travel
CardNitty's take
Pros
- Unlimited international lounge access
- Unlimited domestic lounge access
- Comprehensive insurance coverage up to ₹6 crore
- Complimentary golf privileges
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹354000 may not suit everyone
- Significant joining fee of ₹590000
- High income requirement of ₹1000K per month
- Invite-only card - not available for direct application
HSBC TravelOne
APPLY NOW
on HSBC's website
Annual fee
₹2,999
#236Rewards rate
₹1.00 - ₹2.50/₹100
#114Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
2.00%
#38
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
740+
#184
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Good insurance coverage up to ₹75 lakh
- 24x7 dedicated concierge service
- Low forex markup of 2.00% - great for international spends
Cons
- High interest rate of 42.00% on revolving credit
- Reward points may have limited redemption options
Best for: Premium lifestyle seekers, frequent travelers, dining enthusiasts, high-income professionals
BOBCARD Eterna Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.75 - ₹3.75/₹100
#94Joining fee
FREE
#1Interest rate
39.00%
#64 Card details
Forex Markup
2.00%
#38
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹100
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free till 31st Dec 2025
- 5X rewards on dining, travel, online shopping & international spends
- 15 reward points per Rs.100 on accelerated categories (3.75% value)
- Unlimited complimentary domestic airport lounge access
- Rs.1 crore air accident insurance coverage
- Rs.10 lakh non-air accident insurance
- Low 2% forex markup fee
- 10,000 bonus points on Rs.50K spend in 60 days
- 20,000 bonus points on Rs.5L annual spend
- 6-month FitPass Pro membership worth Rs.15,000
- Buy-one-get-one movie tickets (up to Rs.250/month)
- 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
- Up to 3 lifetime free add-on cards
- Zero lost card liability protection
- Smart EMI conversion (6-48 months)
- Available on Visa, Mastercard & RuPay networks
- Lower interest rate at 39% p.a.
Cons
- High Rs.2,499 joining and annual fee (after free period)
- Lounge access requires Rs.40,000 quarterly spend from Jan 2025
- 5X rewards capped at 5,000 points per statement cycle
- High Rs.12 lakh annual income requirement
- Minimum CIBIL score of 750 required
- No rewards on fuel, wallet loads, rent & utility payments
- Joining fee refund requires Rs.25K spend in 60 days
- Annual fee waiver needs Rs.2.5L annual spend
- Cash advance fee 2.5% or Rs.500, whichever higher
- No international lounge access or Priority Pass
- No concierge services for premium tier
- Movie offer limited to once per month
- Limited to Rs.5 lakh maximum credit limit
Best for: HSBC Jade Private Banking clients seeking luxury perks
Prive
APPLY NOW
on HSBC's website
Annual fee
FREE
#1Rewards rate
₹1.60 - ₹6.50/₹100
#28Joining fee
FREE
#1Interest rate
23.88%
#20 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Lifetime free for HSBC Jade customers
- Unlimited airport lounge access worldwide
- 5X rewards on travel and dining
- Dedicated relationship manager
- Visa Infinite benefits included
- Complimentary golf and spa access
- Meet and greet at airports
Cons
- Invite-only for Jade banking customers
- Requires very high net worth
- Limited to HSBC relationship
- Standard forex markup of 3.5%
- Lower point value compared to competitors
Best for: Indian Army personnel, veterans, defense families, grocery shoppers, frequent flyers
BOBCARD Yoddha
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifestyle, Lifetime Free, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free credit card with no joining or annual fees
- 5X reward points (10 RP per Rs 100) on grocery and departmental stores
- Welcome benefits: 1,000 reward points + 6-month FITPASS Pro membership (Rs 15,000 value)
- 8 complimentary domestic airport lounge visits per year
- Free Amazon Prime membership for 12 months on Rs 1 lakh spend in 90 days
- Accidental death insurance coverage of Rs 20 lakhs
- 4 complimentary golf lessons or games per year
- 1% fuel surcharge waiver (up to Rs 250/month)
- 24x7 domestic and international concierge services
- Exclusively designed for Indian Army personnel and veterans
Cons
- Low base reward rate of only 2 points per Rs 100 (0.5%)
- 5X rewards capped at 1,000 reward points per month
- Lounge access requires Rs 20,000 quarterly spend (effective Jan 2025)
- High forex markup of 3.5% on international transactions
- High interest rate of 41.88% per annum
- Limited to Indian Army personnel, veterans, Veer Nari, and cadets only
- Fuel transactions not eligible for reward points
- UPI transactions don't qualify for bonus rewards
- Relatively low point value at Rs 0.25 per point
Best for: High spenders seeking lifetime free card with premium benefits and low forex markup
Tiger Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.40 - ₹2.40/₹100
#138Joining fee
FREE
#1Interest rate
42.00%
#108 Card details
Forex Markup
1.50%
#18
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Lifestyle, Lifetime Free, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- Tiered rewards up to 6X (6 points per Rs.100)
- Good point value at Rs.0.40 per point
- Low forex markup of only 1.5% (vs 3.5% industry standard)
- 8 domestic lounge visits per year (2/quarter via DreamFolks)
- 2 international lounge visits per year (Priority Pass)
- 1 complimentary golf game/lesson per quarter
- 1 free movie ticket (up to Rs.500) every 6 months
- 1% fuel surcharge waiver (Rs.400-4,000 transactions)
- Personal accident insurance up to Rs.25 lakhs
- Total Protect fraud protection program
- 24/7 concierge service
- 50-day interest-free period
Cons
- Rewards capped at spending tiers (need Rs.5L+ annual spend for 6X)
- Reward points expire after 24 months
- No rewards on fuel, utilities, insurance, EMI, education, govt payments
- Cash redemption limited to Rs.5,000 per month
- InterMiles redemption discontinued from Jan 21, 2025
- Redemption fee: Rs.149 for cash, Rs.100 for other categories (from April 2025)
- High APR of 42% per annum
- 1% + GST fee on rent payments
- Lower reward rates below Rs.1 lakh annual spend (only 1X)
- Requires Rs.30K monthly income (higher than some LTF cards)
Best for: Priority Banking customers seeking travel benefits
Priority Visa Infinite
APPLY NOW
on Standard Chartered Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹1.25/₹100
#175Joining fee
FREE
#1Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Lifetime free for Priority Banking customers
- 16 domestic + 24 international lounges per year
- Complimentary Priority Pass
- 2 golf games + 1 coaching per month
- 24/7 Global Concierge
- Rs.1.2 Cr air accident + USD 25k medical
- 5X on international and fashion spends
Cons
- Exclusive to Priority Banking only
- Requires Rs.30-50L AUM or Rs.3L salary
- High 3.5% forex markup
- Low point value of Rs.0.25
- Modest 2X base rate
Best for: Domestic travelers, dining enthusiasts, mid-income professionals
BOBCARD Premier Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
FREE
#1Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Forex Markup
3.50%
#75
Domestic Lounge
1/year
#120
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards, RuPay, Travel
CardNitty's take
Pros
- Lifetime free till 31st Dec 2025
- 5X rewards on travel, dining & international spends
- 10 reward points per Rs.100 on accelerated categories
- 2,000 bonus points monthly cap on 5X rewards
- 16,000 bonus points on annual spend milestone
- 1 complimentary domestic lounge access per quarter
- 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
- Rs.50 lakh air accident insurance coverage
- Rs.10 lakh non-air accident insurance
- 500 welcome bonus points on Rs.5K spend in 60 days
- Zero lost card liability protection
- RuPay network with UPI support
- Annual fee waiver on Rs.1.2L annual spend
Cons
- High Rs.1,000 joining and annual fee (after free period)
- Lounge access requires Rs.20,000 quarterly spend
- 5X rewards capped at 2,000 points per month
- High 3.5% forex markup fee
- No rewards on fuel transactions
- Limited to 1 lounge visit per quarter
- High 41.88% p.a. interest rate
- Point value only Rs.0.25 (4 points = Rs.1)
- No international lounge access
- No Priority Pass membership
- Minimum Rs.7.2 lakh annual income requirement
- No concierge or golf benefits
Best for: IDFC Private customers, international travelers, low-interest seekers, golf enthusiasts
IDFC FIRST Private
APPLY NOW
on IDFC First Bank's website
Annual fee
₹50,000
#300Rewards rate
₹6.67 - ₹22.50/₹100
#3Joining fee
₹50,000
#298Interest rate
9.00%
#3 Card details
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Industry-lowest 9% APR interest rate
- 0% forex markup on international transactions
- 10X rewards (up to 60X on hotel bookings via app)
- 1 RP = Rs.1 value on travel redemptions
- Unlimited domestic + international lounge access
- Unlimited golf in India + international
- 0% cash advance interest (up to 48 days)
- No late payment or overlimit fees
- Club ITC Culinaire + Accor Plus memberships
Cons
- Rs.50,000 joining + annual fee (Rs.1 lakh first year)
- Invite-only for Private Banking customers
- Rs.40L annual spend needed for ITC membership renewal
- Redemption capped at 70% of booking value
- 3L points annual/1.5L monthly redemption cap
- Spa access discontinued Dec 2025
Best for: Frequent domestic travelers, those seeking comprehensive insurance, moderate spenders
Canara Bank Mastercard World Credit Card
APPLY NOW
on Canara Bank's website
Annual fee
FREE
#1Rewards rate
₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
30.00%
#26 Card details
Forex Markup
3.00%
#71
Domestic Lounge
3/year
#87
International Lounge
2/year
#41
Min Credit Score
700+
#54
Categories Lifetime Free, Lounge Access, Mastercard, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - zero joining and annual fees (with Rs.1L annual spend)
- 2 reward points per Rs.100 on all PoS and e-commerce transactions
- Enhanced lounge access: 3 domestic visits per quarter + 2 guest visits
- International lounge access: 2 visits per year + 2 guest visits
- Comprehensive insurance: Rs.8L air accident cover (self), Rs.4L (spouse)
- Rs.25,000 baggage insurance + Rs.25,000 purchase protection
- Fraud protection up to Rs.5 lakhs on unauthorized transactions
- 1% fuel surcharge waiver on transactions (Rs.400-5,000 range)
- Up to 50 days interest-free credit period
- Higher credit limit potential (up to Rs.50 lakh)
Cons
- Low base reward rate of 0.5% (Rs.0.25 per point)
- High 3% forex markup for international transactions
- 30% p.a. interest rate on revolving balances
- Inactivity fee of Rs.300 + GST if annual spend below Rs.1 lakh
- High income requirement: Rs.10 lakh gross per annum
- No milestone benefits or accelerated reward categories
- Reward points valid only for 3 years from accrual
- No premium perks like golf, concierge, or priority customer care
- Late payment fee of Rs.250 plus GST
- Domestic lounge access requires Rs.10,000 quarterly spend activation
Best for: 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: 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: Travel, international transactions, dining, movies
Mastercard Celesta
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
32.28%
#32 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
- Exclusive Mastercard cashback offers
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: Travel, international transactions, dining, movies
Visa Celesta
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
32.28%
#32 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 international lounge visits per year (no spend criteria)
- 2 domestic lounge visits per quarter (on Rs.60K spend)
- Rs.600 Amazon voucher on Rs.10K spend in 30 days
- Low forex markup at only 2%
- 1% fuel surcharge waiver (up to Rs.150/month)
- BOGO movie tickets on INOX (once per month)
- 15% dining discount via FedDelights program
- Reward points valid for 3 years
Cons
- Very low base reward rate (0.17% on general spends)
- Reward redemption fee of Rs.99 per request
- Minimum 250 points required for redemption
- Limited domestic lounge access (requires quarterly spend)
- Only 2 international lounge visits per year
- Higher APR at 32.28% per annum
- Lower point value (Rs.0.25) vs competitors
- No milestone benefits beyond welcome offer
Best for: Frequent British Airways/Qatar Airways travelers with high international spend
Avios Visa Infinite (British Airways)
APPLY NOW
on IndusInd Bank's website
Annual fee
₹5,000
#266Rewards rate
₹0.32 - ₹1.95/₹100
#159Joining fee
₹10,000
#275Interest rate
36.00%
#45 Card details
Forex Markup
1.50%
#18
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 20,000 Avios welcome bonus on card activation
- Up to 36,000 milestone bonus Avios annually
- 6X Avios at preferred international destinations
- 5X Avios on British Airways and Qatar Airways bookings
- Low 1.5% forex markup at preferred destinations
- International meet & greet at 30+ major airports
- Priority Pass with 8 lounge visits per year
- Comprehensive travel insurance (USD 25,000 medical)
- 24/7 concierge with elderly care assistance
- 10% discount on Qatar Airways flights
- Fuel surcharge waiver of 1% (uncapped)
- Metal card with premium design
Cons
- High joining fee of Rs.10,000 despite reduction
- Limited to British Airways and Qatar Airways Avios only
- Requires Rs.16 lakh annual spend for full milestone benefits
- Air accident insurance discontinued from Dec 2025
- Qatar Gold membership benefit removed
- Priority Pass limited to 2 visits per quarter
- Low base earning rate (1 Avios per Rs.200)
- High taxes and surcharges on Avios redemptions
- Complex eligibility criteria
- Customer service issues reported by users
Best for: 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: 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: HSBC Premier customers, frequent international travelers
Premier Mastercard
APPLY NOW
on HSBC Bank's website
Annual fee
₹20,000
#295Rewards rate
₹1.20 - ₹4.80/₹100
#86Joining fee
₹12,000
#287Interest rate
41.88%
#88 Card details
Forex Markup
0.99%
#13
Domestic Lounge
Unlimited
#1
International Lounge
Unlimited
#1
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Extremely low 0.99% forex markup - best for intl
- Unlimited domestic and international lounge access
- High 3% base reward rate on all spends
- 1:1 transfer to 20+ airline/hotel programs
- Welcome benefits worth Rs.30,000+
- Premium metal card with Mastercard World benefits
- Complimentary Taj Epicure and EazyDiner Prime
- 24 golf lessons and premium course access
- 52 days interest-free period
Cons
- Exclusive to HSBC Premier customers only
- High fees: Rs.12K joining + Rs.20K annual
- Monthly cap on utility/tax/insurance rewards
- No spending-based fee waiver
- Point value lower than Infinia
- Limited transfer partners vs HDFC/Axis
Best for: Travel, dining, international transactions
Visa Imperio
APPLY NOW
on Federal Bank's website
Annual fee
FREE
#1Rewards rate
₹0.17 - ₹0.50/₹100
#238Joining fee
FREE
#1Interest rate
8.28%
#2 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, International, Lifetime Free, Travel
CardNitty's take
Pros
- Lifetime free card - zero joining and annual fees
- 3x rewards on travel and international spending
- 2x rewards on dining transactions
- 2 domestic lounge visits per quarter
- Rs.400 Amazon voucher on Rs.5K spend in 30 days
- Rs.300 BigBasket voucher on Rs.50K quarterly spend
- 1% fuel surcharge waiver (up to Rs.100/month)
- BOGO movie tickets on INOX (once per quarter)
- Very low APR starting from 0.69% per month
- 15% dining discount via FedDelights program
Cons
- Very low base reward rate (0.17% on general spends)
- Annual fee waiver requires Rs.1.5L spend/year
- Reward redemption fee of Rs.99 per request
- Higher forex markup at 3.5%
- Limited lounge access vs premium cards
- Reward points valid for only 1 year
- Quarterly spend threshold for lounge access
- No international lounge access
- Lower point value vs competitors
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: Existing cardholders using Maharaja Points for Air India
Club Vistara IDFC FIRST
APPLY NOW
on IDFC First Bank's website
Annual fee
₹4,999
#260Rewards rate
₹3.00 - ₹5.00/₹100
#49Joining fee
₹4,999
#258Interest rate
42.00%
#108 Card details
Forex Markup
2.99%
#69
Domestic Lounge
2/year
#92
International Lounge
1/year
#55
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Airlines, Discontinued, Lounge Access, Travel
CardNitty's take
Pros
- 5 Premium Economy ticket vouchers (now discontinued)
- Low 2.99% forex markup
- 6 Maharaja Points per Rs.200
- Free Premium Economy ticket on joining
- Maharaja Club Silver membership
- 8 airport + 4 international lounges/year
- 4 golf rounds + 12 lessons annually
- Rs.1 Cr air accident + Rs.10L personal accident
- 10X rewards on birthday dining
Cons
- Card discontinued - no new applications
- Annual fee Rs.4,999 (now waived)
- Lounge access needs Rs.20K monthly spend
- Milestone benefits discontinued April 2025
- Valid only till March 31, 2026
- No fuel surcharge waiver
Best for: Frequent Emirates flyers, international travelers, golf enthusiasts
Emirates World Credit Card
APPLY NOW
on Standard Chartered's website
Annual fee
₹3,000
#248Rewards rate
₹1.40 - ₹2.80/₹100
#112Joining fee
₹3,000
#248Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 4,000 welcome bonus Skywards miles on activation
- 1,500 renewal bonus Skywards miles annually
- 6 Skywards miles per Rs.150 on Emirates transactions (4% return)
- 3 Skywards miles per Rs.150 on all other spends (2% return)
- Automatic monthly transfer of miles to Emirates Skywards account
- 2 Priority Pass lounge visits per month on Rs.10K spend
- 25+ domestic lounge access via Mastercard program
- 5% cashback on duty-free shopping (max Rs.1,000/month)
- 1 free golf lesson per month + 50% discount on games
- 4 complimentary green fees per calendar year
- Rs.1 Crore air accident insurance for overseas travel
- Comprehensive travel insurance (flight delay, baggage, hijacking)
Cons
- High annual fee of Rs.3,000 with no waiver option
- Limited to Emirates Skywards miles only
- Requires Rs.10,000 monthly spend for lounge access
- High forex markup at 3.5% + GST
- Low base earning rate (3 miles per Rs.150 = 2%)
- Priority Pass limited to 2 visits per month
- Golf benefits restricted to 1 green fee per month
- High interest rate at 45% p.a.
- No milestone benefits beyond renewal bonus
- Limited value for non-Emirates flyers
Best for: Frequent train travelers, IRCTC users, railway commuters
IRCTC HDFC Bank
APPLY NOW
on HDFC Bank's website
Annual fee
₹500
#113Rewards rate
₹1.00 - ₹3.00/₹100
#49Joining fee
₹500
#112Interest rate
43.20%
#237 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
700+
#54
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 5% rewards on IRCTC train bookings (5 RP per Rs 100)
- 1% rewards on all other spends
- 1 RP = Rs 1 redemption value on train tickets
- 1% transaction charges waiver on IRCTC (max Rs 1,000/cycle)
- 8 IRCTC Executive Lounge visits per year
- Rs 500 welcome voucher on 1st transaction
- Rs 500 voucher on Rs 30K spend every 90 days
- Low fee of Rs 500, waiver at Rs 1.5L
- RuPay variant for UPI rewards (500 RP/month cap)
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- 5% additional cashback on SmartBuy train booking
Cons
- Accelerated rewards capped at 1,000 points/month
- Higher forex markup of 3.5%
- Rs 99 + GST charged on reward redemption
- Can only redeem against max 70% of ticket fare
- 1% charge on utility spends over Rs 50K/month
- 1% charge on wallet loads over Rs 10K/month
- Limited to IRCTC lounge access only
Best for: Weekend diners, international travelers, golf enthusiasts, movie buffs
Icon Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹5,000
#266Rewards rate
₹0.50 - ₹5.00/₹100
#49Joining fee
₹5,000
#263Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 20,000 welcome bonus reward points (Rs.5,000 value)
- 20 reward points per Rs.100 on international & weekend dining (5% return)
- 45,000 milestone bonus points per year (worth Rs.11,250)
- 2 domestic lounge visits per quarter (8 per year)
- 1,400+ international lounges via Priority Pass
- 12 complimentary golf lessons annually (1 per month)
- 4 complimentary golf rounds + 50% off beyond 4 rounds
- 1+1 BookMyShow movie tickets (up to Rs.200, twice monthly)
- Rs.200/month fuel surcharge waiver
- 24/7 concierge services
- Comprehensive travel insurance coverage
- Flight delay and lost baggage insurance
Cons
- Rs.5,000 + GST joining and annual fee
- Lounge access requires Rs.35,000 quarterly spend
- 10X rewards capped at 2,000 points/month per category
- High APR of 47.88% per annum
- Forex markup of 3.5%
- Rs.99 + GST reward redemption fee
- Welcome bonus not equal to annual fee (only Rs.5,000 value)
- International lounge access charged at $35 per visit
- Limited reward rate on base spends (2 points/Rs.100)
- No annual fee waiver option available
Best for: Discontinued card - existing cardholders only (historical reference)
InterMiles Odyssey Visa
APPLY NOW
on IndusInd Bank's website
Annual fee
₹4,000
#257Rewards rate
₹0.90 - ₹2.40/₹100
#138Joining fee
₹10,000
#275Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 15,000 welcome InterMiles + vouchers worth Rs.3,000
- 5,000 renewal bonus InterMiles annually
- Up to 8 InterMiles per Rs.100 on weekend bookings
- 6 InterMiles per Rs.100 on flights & hotels (weekdays)
- 4 InterMiles per Rs.100 on weekend retail spends
- Priority Pass membership with access to 600+ lounges
- 2 complimentary Visa lounge visits per quarter
- Complimentary air accident insurance up to Rs.25 lakhs
- 24/7 concierge and auto assist services
- 1% fuel surcharge waiver across India
- BookMyShow 1+1 movie ticket offer (2 tickets/month)
- Travel insurance: lost baggage, delayed baggage
- Zero liability on unauthorized transactions
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- High joining fee of Rs.10,000 + GST (Rs.11,800 total)
- Annual fee of Rs.4,000 + GST (Rs.4,720 total)
- InterMiles earning capped at 75,000 per year
- Uncapping fee of Rs.10,000 + GST is very expensive
- High interest rate of 46% annually (3.83% p.m.)
- InterMiles value lower than airline miles (0.25-0.40)
- Rewards discontinued effective Jan 2025
- No complimentary Priority Pass lounge visits (cost included)
- Limited to InterMiles redemption options only
- High forex markup of 3.5%
- Minimum income requirement
Best for: Discontinued card - existing cardholders only (historical reference)
InterMiles Voyage Visa
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,000
#221Rewards rate
₹0.60 - ₹1.80/₹100
#160Joining fee
₹2,000
#223Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 2,000 welcome InterMiles + discount vouchers
- 2,500 renewal bonus InterMiles annually
- Up to 6 InterMiles per Rs.100 on weekend bookings
- 4 InterMiles per Rs.100 on flights & hotels (weekdays)
- Priority Pass membership included
- Access to 600+ international airport lounges
- Complimentary air accident insurance up to Rs.25 lakhs
- 1 golf game + 1 golf lesson per quarter
- BookMyShow 1+1 movie ticket offer
- 1% fuel surcharge waiver (Rs.400-4,000)
- Zero liability on unauthorized transactions
- Golf privileges at 7 major cities
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- InterMiles earning capped at 50,000 per year
- Uncapping fee of Rs.7,500 + GST is expensive
- USD 27 fee per Priority Pass lounge visit
- No complimentary Priority Pass lounge visits
- Fuel surcharge waiver limited to Rs.4,000
- InterMiles value lower than airline miles (0.25-0.40)
- Fuel spends above Rs.50,000 charged 1% + GST
- Rewards discontinued effective Jan 2025
- Limited to InterMiles redemption options only
- No waiver on annual fee for most cardholders
Best for: RBL Signature Banking customers, cashback seekers, domestic travelers, frequent shoppers
Signature Banking Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.00 - ₹4.00/₹100
#91Joining fee
FREE
#1Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Cashback, Lounge Access, Premium, Shopping, Travel
CardNitty's take
Pros
- Lifetime free for Signature Banking customers
- 4% unlimited cashback on flights, hotels, and shopping
- 1% cashback on all other purchases (up to Rs.1,500/month)
- Rs.2,000 cashback on Rs.4 lakh annual spend
- Additional Rs.4,000 cashback on Rs.6 lakh annual spend
- Total potential Rs.6,000 milestone cashback annually
- 2 domestic lounge visits per quarter (8 per year)
- 2 international Priority Pass visits annually
- Buy 1 Get 1 movie tickets monthly on BookMyShow (up to Rs.250)
- Cashback credited directly to RBL savings account
- Annual fee Rs.2,500 waived for account holders
- Priority banking relationship benefits
Cons
- Exclusive to Signature Banking customers only
- Rs.2,500 annual fee for non-Signature customers
- 1% cashback capped at Rs.1,500 per billing month
- Limited international lounge access (2 visits/year)
- High forex markup of 3.5% (not ideal for travel)
- Very high APR of 47.88% annually (3.99% monthly)
- Cashback redemption fee of Rs.99 + GST
- Cashback expires if not redeemed within 3 months
- No cashback on groceries, dining, fuel, utilities
- No cashback on wallet loads, government payments
- Requires maintaining Signature Banking relationship
- Limited insurance coverage details available
FIRST Premia
APPLY NOW
on IDFC First Bank's website
Annual fee
₹3,999
#255Rewards rate
₹1.50 - ₹5.00/₹100
#49Joining fee
₹3,999
#255Interest rate
9.00%
#3 Card details
Forex Markup
1.50%
#18
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.50% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
Best for: 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
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: RBL Insignia Preferred Banking customers, frequent travelers, premium lifestyle seekers
Insignia Preferred Banking World Card
APPLY NOW
on RBL Bank's website
Annual fee
₹7,000
#275Rewards rate
₹1.25 - ₹2.50/₹100
#114Joining fee
₹7,000
#272Interest rate
39.00%
#64 Card details
Forex Markup
2.00%
#38
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Lifetime free for Insignia Preferred Banking customers
- 10 reward points per Rs.100 on international spend (2.5% return)
- 8 domestic lounge visits per year (2 per quarter)
- 6 international lounge visits via Priority Pass annually
- Rs.8,000 milestone vouchers on Rs.8 lakh spend
- 28,000 welcome bonus points (non-Insignia customers)
- Rs.500 BookMyShow discount twice monthly
- 4 complimentary golf rounds + 1 lesson per month
- EazyDiner Prime: 25-50% restaurant discounts
- Hotel benefits at 2,400+ premium properties
- Meet & greet at 30+ international airports
- 24/7 concierge services
- 1% fuel surcharge waiver (up to Rs.250/month)
Cons
- Exclusive to Insignia Preferred Banking customers only
- Requires Rs.30 lakh TRV or Rs.10 lakh AMB
- Rs.7,000 annual fee for non-Insignia customers
- Limited international lounge visits (6 per year)
- Additional lounge visits cost $27-$35
- Insurance benefits unclear from official sources
- Welcome bonus not available for Insignia customers
- High annual spend (Rs.10L) for fee waiver
- Lower reward rate compared to premium competitors
- 2% forex markup higher than some premium cards
Best for: 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
FIRST Vistara Signature
APPLY NOW
on IDFC First Bank's website
Annual fee
₹2,999
#236Rewards rate
₹1.50 - ₹4.50/₹100
#88Joining fee
₹2,999
#236Interest rate
9.00%
#3 Card details
Forex Markup
1.80%
#26
Domestic Lounge
8/year
#30
Min Credit Score
720+
#154
Min Monthly Income ₹50
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
IndiGo 6E Rewards XL
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹2,500
#227Rewards rate
₹1.00 - ₹5.50/₹100
#42Joining fee
₹2,500
#228Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: MakeMyTrip frequent users, travel bookings, cashback on travel
MakeMyTrip ICICI Bank
APPLY NOW
on ICICI Bank's website
Annual fee
₹500
#113Rewards rate
₹0.50 - ₹2.50/₹100
#114Joining fee
₹500
#112Interest rate
41.04%
#80 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
Min Credit Score
720+
#154
Categories Lounge Access, Travel
CardNitty's take
Pros
- Excellent travel rewards, MMT cashback, lounge access, low fee
Cons
- Rewards mainly useful for MMT, limited partner value
Best for: Affluent travelers who can maximize portal bookings
NOVA
APPLY NOW
on RBL Bank's website
Annual fee
₹12,500
#290Rewards rate
₹2.00 - ₹5.50/₹100
#42Joining fee
₹12,500
#290Interest rate
47.88%
#267 Card details
Forex Markup
2.00%
#38
Domestic Lounge
12/year
#23
International Lounge
12/year
#17
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Rs.12,500 welcome gift card (Taj/Luxe)
- 6% rewards on travel via portal
- 12 domestic + 12 international lounges
- 4 complimentary guest visits
- Rs.10,000 gift card on Rs.3L quarterly spend
- 4 golf rounds + 12 lessons per year
- Premium metal card, low 2% forex
Cons
- Invite-only availability
- High annual fee of Rs.12,500
- Many exclusions: fuel, utilities, insurance
- Portal-based spending for optimal rewards
- Limited compared to HDFC Infinia
Best for: Adani ecosystem users, Adani airport travelers
Adani One ICICI Signature
APPLY NOW
on ICICI Bank's website
Annual fee
₹5,000
#266Rewards rate
₹1.50 - ₹4.25/₹100
#37Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
750+
#186
Categories Lounge Access, Travel
CardNitty's take
Pros
- 7% rewards on Adani One ecosystem (airports, gas, electricity)
- 2% on international spends
- 1.5% on domestic spends
- 4 domestic lounge visits per quarter
- 2 international lounge visits per year
- Rs 2,000 hotel voucher on activation
- Rs 5,000 flight voucher on Rs 25K spend in 60 days
- 1% fuel surcharge waiver
- Fee waiver at Rs 6L spend
Cons
- Higher forex markup of 3.5%
- 0.5% on utility/insurance spends
- High fee waiver threshold (Rs 6L)
- Limited to Adani ecosystem benefits
British Airways Visa Signature
APPLY NOW
on IndusInd Bank's website
Annual fee
₹5,000
#266Rewards rate
₹1.20 - ₹2.40/₹100
#138Joining fee
₹5,000
#263Interest rate
42.00%
#108 Card details
Forex Markup
1.80%
#26
Domestic Lounge
4/year
#61
International Lounge
2/year
#41
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹5000 may not suit everyone
- Significant joining fee of ₹5000
- Limited lounge access (6 visits per year)
- High interest rate of 42.00% on revolving credit
Best for: Existing cardholders who still fly Vistara routes
Club Vistara SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹2,999
#236Rewards rate
₹1.50/₹100
#166Joining fee
₹2,999
#236Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Earn 4 CV Points per Rs 200 spent on all purchases
- Complimentary Premium Economy ticket voucher on joining
- Club Vistara Gold membership status with priority boarding
- 8 domestic + 4 international lounge visits per year
- Rs 1 Crore air accident insurance coverage
Cons
- Card no longer accepting new applications (Vistara-Air India merger)
- Milestone benefits discontinued from April 2025
- Annual fee of Rs 2,999 with no waiver option
- CV Points only useful for Vistara flights (limited redemption)
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
Best for: Luxury travelers, experience seekers, UHNIs wanting curated services
RBL Bank LUMIÈRE
APPLY NOW
on RBL Bank's website
Annual fee
₹50,000
#300Rewards rate
₹2.00 - ₹5.50/₹100
#42Joining fee
₹50,000
#298Interest rate
47.88%
#267 Card details
Forex Markup
2.00%
#38
Domestic Lounge
12/year
#23
International Lounge
12/year
#17
Min Credit Score
750+
#186
Categories Dining, Lounge Access, Premium, Travel
CardNitty's take
Pros
- 12 RP per Rs.200 on travel (6% reward rate)
- 4 RP per Rs.200 on regular spends (2% reward rate)
- 1 Reward Point = Rs.1 value
- Rs.12,500 welcome gift (Taj/Luxe voucher)
- 12 domestic + 12 international lounge visits
- 4 complimentary golf games per year
- Rs.10,000 quarterly gift card on Rs.3L spend
- Metal card design (18 grams)
- Select Circle exclusive concierge
Cons
- Rs.50,000 joining + annual fee (Rs.1 lakh first year)
- Invite-only for UHNIs
- Limited guest lounge access (4 international)
- 10% dining discount has blackout dates
- Insurance details not fully disclosed
- New card with limited track record
Best for: 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: 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
Best for: UHNIs, executives, luxury travelers
Times Black ICICI Bank
APPLY NOW
on ICICI Bank's website
Annual fee
₹20,000
#295Rewards rate
₹0.50 - ₹1.25/₹100
#238Joining fee
₹20,000
#295Interest rate
42.00%
#108 Card details
Forex Markup
1.49%
#17
International Lounge
Unlimited
#1
Min Credit Score
780+
#268
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- 2% reward points on all domestic transactions
- Unlimited international airport lounge access
- Exclusive luxury stays and experiences
- Low forex markup of 1.49%
- Fee waiver at Rs 25L annual spend
- Premium concierge service
- Times Internet ecosystem benefits
- Designed for UHNIs
Cons
- Very high annual fee of Rs 20,000 + GST
- Extremely high income requirement
- Very high fee waiver threshold (Rs 25L)
- Lower point value (Rs 0.25)
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: 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 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
Best for: Adani ecosystem users and frequent travelers through Adani airports
Adani One ICICI Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
₹750
#158Rewards rate
₹0.12 - ₹0.75/₹100
#219Joining fee
₹750
#158Interest rate
N/A
Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Good reward rate of up to ₹3.00 per ₹100
- Generous 8 domestic lounge visits per year
Cons
- Reward rates vary significantly across categories
- High forex markup of 3.50% on international transactions
- High income requirement of ₹240K per month
Kotak Solitaire
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹25,000
#297Rewards rate
₹2.67 - ₹5.17/₹100
#48Joining fee
₹25,000
#296Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Min Credit Score
800+
#273
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1500000
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹25000 may not suit everyone
- Significant joining fee of ₹25000
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Travelers, high spenders seeking luxury vouchers
Kotak White
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹3,000
#248Rewards rate
₹1.00/₹100
#190Joining fee
₹3,000
#248Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
8/year
#30
International Lounge
4/year
#29
Min Credit Score
750+
#186
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- 8 domestic + 4 intl lounge visits. White Pass rewards up to Rs 27K. National Geographic travel experiences. Rs 3,500 fuel waiver/year. Rs 1,500 welcome voucher
Cons
- Rewards only after Rs 2L spend. Not accepting new applications. Complex redemption. 2% rent fee
Best for: Frequent travelers seeking air miles and premium travel benefits
SBI Miles
APPLY NOW
on SBI Cards's website
Annual fee
₹4,999
#260Rewards rate
₹0.50 - ₹1.00/₹100
#190Joining fee
₹4,999
#258Interest rate
N/A
Card details
Forex Markup
1.99%
#33
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good insurance coverage up to ₹50 lakh
- Low forex markup of 1.99% - great for international spends
Cons
- No complimentary lounge access
- High income requirement of ₹1200K per month
Best for: Ultra-HNI customers seeking exclusive invite-only premium benefits
ICICI Emeralde Private Metal
APPLY NOW
on ICICI Bank's website
Annual fee
₹12,499
#289Rewards rate
₹3.00 - ₹5.50/₹100
#42Joining fee
₹12,499
#289Interest rate
N/A
Card details
Forex Markup
2.00%
#38
Domestic Lounge
0/year
International Lounge
0/year
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good reward rate of up to ₹6.00 per ₹100
- Comprehensive insurance coverage up to ₹3 crore
- Complimentary golf privileges
- Spa and wellness benefits
- Low forex markup of 2.00% - great for international spends
Cons
- High annual fee of ₹12499 may not suit everyone
- Significant joining fee of ₹12499
- High income requirement of ₹4200K per month
Best for: Ultra-HNI customers seeking premium metal card with exclusive experiences
Kotak White Reserve
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹15,000
#293Rewards rate
₹3.00 - ₹5.00/₹100
#49Joining fee
₹15,000
#293Interest rate
N/A
Card details
Forex Markup
2.00%
#38
Domestic Lounge
0/year
International Lounge
0/year
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1500000
- Good reward rate of up to ₹5.00 per ₹100
- Comprehensive insurance coverage up to ₹2 crore
- Complimentary golf privileges
- Spa and wellness benefits
- Low forex markup of 2.00% - great for international spends
Cons
- High annual fee of ₹15000 may not suit everyone
- Significant joining fee of ₹15000
- High income requirement of ₹4200K per month
Best for: Premium lifestyle seekers with high online spending and travel needs
Yes Bank Marquee
APPLY NOW
on Yes Bank's website
Annual fee
₹4,999
#260Rewards rate
₹2.25 - ₹4.50/₹100
#88Joining fee
₹9,999
#273Interest rate
N/A
Card details
Forex Markup
1.00%
#14
Domestic Lounge
6/year
#59
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good reward rate of up to ₹4.50 per ₹100
- Low forex markup of 1.00% - great for international spends
Cons
- Significant joining fee of ₹9999
- Limited lounge access (6 visits per year)
- High income requirement of ₹2400K per month