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Best Co-Branded in India 2026

Compare the best co-branded in India. 31 cards ranked by our experts.

Showing 31 cards

Best for: Frequent Amazon shoppers, especially Prime members looking for a no-fee card with unlimited cashback on Amazon purchases. Also ideal for first-time credit card users and students.
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

4.2 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

FREE

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
1/year #54
Min Credit Score
750+ #50
Categories Cashback, Co-Branded, Entry Level, Lifetime Free, Shopping
View full details
CardNitty's take

Pros

  • Lifetime free with zero joining and annual fees
  • Up to 5% unlimited cashback on Amazon for Prime members
  • No cap on cashback earnings and rewards never expire
  • Low forex markup of 1.99%
  • 1% fuel surcharge waiver
  • 15% off dining via ICICI Culinary Treats
  • Seamless auto-redemption to Amazon Pay balance

Cons

  • Cashback limited to Amazon Pay balance, not statement credit
  • No airport lounge access without Rs. 75,000 quarterly spend
  • No insurance or travel benefits
  • No cashback on fuel, rent, EMI, international, education, or wallet load spends
  • 1% base rate on non-Amazon spends is below some competitors
  • New fees from Jan 2026: wallet load, gaming, transportation surcharges
Read full review
Best for: Frequent Flipkart and Myntra shoppers who want maximum cashback on online shopping. Also great for food delivery and entertainment spenders.
Flipkart Axis Bank

Flipkart Axis Bank

3.7 CardNitty rating
APPLY NOW on Axis Bank's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹6.25/₹100

#25

Joining fee

₹500

#21

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Shopping
View full details
CardNitty's take

Pros

  • 5% cashback on Flipkart purchases
  • 7.5% cashback on Myntra - highest in category
  • 4% unlimited cashback on Swiggy, Uber, PVR
  • Low joining and annual fee of Rs. 500
  • Easy fee waiver on Rs. 3.5 lakh annual spend
  • 1% fuel surcharge waiver up to Rs. 400/month
  • EMI conversion available on purchases above Rs. 2,500

Cons

  • Lounge access removed from June 2025
  • No reward points - only cashback
  • 3.5% forex markup is higher than premium cards
  • Many excluded categories (fuel, rent, utilities, EMI)
  • Quarterly caps on Flipkart and Myntra cashback
Read full review
Best for: Frequent shoppers across Tata brands (BigBasket, Croma, Westside, Air India, Tanishq, Titan) who can maximize the 5% NeuCoins earn rate on the Tata ecosystem.
Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank

3.5 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,499

#54

Rewards rate

₹1.50 - ₹5.00/₹100

#32

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Excellent 5% reward rate on Tata partner brands
  • 1 NeuCoin = Rs 1 redemption value across Tata ecosystem
  • Welcome benefit offsets joining fee
  • 8 domestic + 4 international lounge visits per year
  • Rs 1 Crore air accident insurance
  • 2% forex markup (lower than many cards)
  • Available in both Visa and RuPay variants

Cons

  • No rewards on fuel, wallet, rent, or government spends
  • Monthly caps on grocery, utility, insurance, and telecom categories
  • Domestic lounge now requires Rs 50K quarterly spend milestone
  • NeuCoins only redeemable within Tata ecosystem
  • NeuCoins expire in 12 months
  • Education payments via 3rd-party apps (CRED, MobiKwik) excluded from rewards
Read full review
Best for: Frequent Tata brand shoppers (Croma, BigBasket, Westside, Tata CLiQ) who want to maximize cashback on everyday Tata ecosystem purchases.
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹1.50/₹100

#32

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
1/year #54
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 7% NeuCoins on Tata Neu App with NeuPass
  • 2% NeuCoins on Tata brand purchases
  • 1 NeuCoin = Rs 1 simple redemption value
  • Low annual fee of Rs 499 with easy waiver at Rs 1 lakh spend
  • Domestic lounge access on quarterly spend milestones
  • Available in both Visa and RuPay variants with UPI support

Cons

  • No international lounge access
  • No movie or dining benefits
  • Lounge access requires Rs 50,000 quarterly spend milestone
  • NeuCoins valid only for 12 months
  • Only 1% rewards on non-Tata spends
Read full review
Best for: Frequent Marriott hotel guests who want to earn free night stays, Silver Elite status, and maximize hotel rewards at an affordable annual fee.
Marriott Bonvoy HDFC Bank

Marriott Bonvoy HDFC Bank

3.3 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹3,000

#71

Rewards rate

₹0.67 - ₹2.67/₹100

#62

Joining fee

₹3,000

#69

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
12/year #14
International Lounge
12/year #10
Min Credit Score
720+ #42
Categories Co-Branded, Lifestyle, Lounge Access, Travel
View full details
CardNitty's take

Pros

  • Affordable joining and annual fee of Rs. 3,000 + GST with excellent value
  • Up to 4 Free Night Awards per year including welcome and milestones
  • Complimentary Marriott Bonvoy Silver Elite Status with priority late checkout
  • 12 domestic and 12 international airport lounge visits per year
  • 8 complimentary golf rounds and lessons per year via Diners Club

Cons

  • Diners Club network has limited acceptance at many merchants in India and internationally
  • No annual fee waiver option based on spending
  • Reward rates on non-hotel spends are relatively low at 0.67% to 1.33%
  • Forex markup of 3.5% makes it expensive for international transactions
Read full review
Best for: Regular BPCL fuel users seeking 7.25% value-back, commuters wanting fuel surcharge waiver, and everyday spenders on dining, grocery and movies.
BPCL SBI Card OCTANE

BPCL SBI Card OCTANE

2.9 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹5.62/₹100

#29

Joining fee

₹1,499

#52

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Co-Branded, Fuel, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Up to 7.25% value-back on BPCL fuel purchases
  • 10X rewards on dining, grocery, departmental stores and movies
  • 4 complimentary domestic airport lounge visits per year
  • Annual fee waived on Rs. 2 Lakh spend
  • Instant reward point redemption at BPCL pumps

Cons

  • Only 0.25% reward rate on non-category spends
  • Fuel rewards limited to BPCL stations only
  • 3.5% forex markup is on the higher side
  • No international lounge access
Read full review
Best for: Frequent Flipkart and Myntra shoppers seeking direct cashback on online purchases with a low annual fee card.
Flipkart SBI Card

Flipkart SBI Card

3.9 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹6.25/₹100

#25

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • High 7.5% cashback on Myntra and 5% on Flipkart
  • Unlimited 1% cashback on all other eligible spends
  • Low annual fee of Rs. 500, easily waivable at Rs. 3.5L spend
  • Cleartrip integration with instant discounts plus cashback
  • 4% cashback on Netmeds, Uber, Zomato, and PVR

Cons

  • No complimentary airport lounge access
  • Quarterly caps of Rs. 4,000 on each accelerated cashback category
  • High 3.5% forex markup on international transactions
  • Many spending categories excluded from cashback
Read full review
Best for: PhonePe users, UPI payments, online shopping, beginners in credit cards, utility bill payments
PhonePe HDFC Bank Uno

PhonePe HDFC Bank Uno

3.3 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹1.50/₹100

#68

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fintech, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs.499 with easy fee waiver
  • Welcome benefits effectively cover joining fee
  • 2% rewards on PhonePe categories
  • 1% rewards on popular online brands
  • UPI Scan & Pay rewards
  • RuPay network enables UPI payments

Cons

  • No airport lounge access
  • No insurance or lifestyle benefits
  • Limited international acceptance (RuPay network)
  • Reward points capped at 500 per category per month
  • Low redemption value (Rs.0.30) for non-cashback options
Read full review
Best for: Airtel users (mobile, broadband, DTH) paying via Airtel Thanks app, Swiggy/Zomato/BigBasket shoppers, utility bill payers seeking cashback.
Axis Bank Airtel

Axis Bank Airtel

3.8 CardNitty rating
APPLY NOW on Axis Bank's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹15.00/₹100

#4

Joining fee

₹500

#21

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 25% cashback on Airtel bills via Airtel Thanks app
  • 10% cashback on utility bills and food delivery partners
  • Low annual fee of Rs 500 with easy waiver at Rs 2 lakh spend
  • 4 complimentary domestic airport lounge visits per year
  • 1% unlimited cashback on all other retail spends

Cons

  • Cashback caps are low (Rs 250/month on Airtel and utility)
  • Utility cashback only works through Airtel Thanks app
  • No international lounge access
  • High forex markup of 3.5%
  • New surcharges on fuel, education, wallet loads from Dec 2024
Read full review
Best for: Regular IndianOil fuel station users who also spend on groceries and utility bills. Best suited for individuals looking for a low-fee fuel credit card with UPI support via RuPay network.
IndianOil HDFC Bank

IndianOil HDFC Bank

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹0.64 - ₹7.30/₹100

#22

Joining fee

₹500

#21

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Accelerated 5% Fuel Points at IndianOil outlets, groceries, and bill payments
  • Fuel surcharge waiver of 1% at all petrol pumps across India
  • Excellent redemption rate of Rs. 0.96 per Fuel Point via XTRAREWARDS
  • Low annual fee of Rs. 500 with easy waiver on Rs. 50,000 spend
  • RuPay network enables UPI-linked credit card payments
  • Complimentary IndianOil XTRAREWARDS Program membership
  • Up to 50 litres of free fuel annually

Cons

  • Low monthly caps on Fuel Points (150 FP after 6 months)
  • Complex redemption process requiring XTRAREWARDS conversion
  • No lounge access, travel, dining, or shopping benefits
  • High forex markup of 3.5% makes it poor for international use
  • Fuel Points value drops to Rs. 0.20 for non-fuel redemptions
Read full review
Best for: Regular Shoppers Stop customers who want to earn First Citizen Points on their shopping and enjoy Silver Edge membership benefits.
Shoppers Stop HDFC Bank

Shoppers Stop HDFC Bank

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹299

#6

Rewards rate

₹1.00/₹100

#78

Joining fee

₹299

#7

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs.299 with complimentary Silver Edge Membership worth Rs.350
  • Good 2.4% reward rate on Shoppers Stop private label brands
  • Rs.500 welcome voucher redeemable at Shoppers Stop
  • RuPay variant available for UPI payments
  • 1% fuel surcharge waiver across all fuel stations

Cons

  • No airport lounge access
  • No insurance coverage
  • Low 0.8% reward rate on non-Shoppers Stop spends
  • High 3.5% forex markup
  • Reward points value drops significantly for non-SS redemptions (Rs.0.20-0.25 per point)
Read full review
Best for: Frequent Shoppers Stop shoppers who want to maximize First Citizen Points and enjoy complimentary airport lounge access
Shoppers Stop Black HDFC Bank

Shoppers Stop Black HDFC Bank

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹4,500

#72

Rewards rate

₹2.00 - ₹6.50/₹100

#24

Joining fee

₹4,500

#70

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
16/year #11
International Lounge
8/year #12
Min Credit Score
700+ #3
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 8% rewards on Shoppers Stop private label brands
  • Complimentary First Citizen Black membership worth Rs 4,500
  • 16 domestic and 8 international lounge visits annually
  • Rs 3 crore air accident cover and Rs 50 lakh overseas medical
  • 1% fuel surcharge waiver at all fuel stations

Cons

  • High annual fee of Rs 4,500+GST with no spend-based waiver
  • No dining or movie benefits
  • Reward points excluded on fuel, rent, wallet, EMI, and many categories
  • Grocery rewards capped at 1,000 points per month
Read full review
Best for: Frequent domestic travelers who want to earn airline miles on everyday spending and redeem for flights and hotels.
InterMiles Platinum HDFC Bank

InterMiles Platinum HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹1.33 - ₹3.33/₹100

#52

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
700+ #3
Categories Co-Branded, Rewards, Travel
View full details
CardNitty's take

Pros

  • Earn InterMiles on every purchase redeemable for flights and hotels
  • 8 complimentary domestic lounge visits per year
  • 5% discount on Etihad Airways economy tickets
  • Low annual fee of Rs 1,000 with spend-based waiver
  • Welcome bonus of up to 3,000 InterMiles plus travel vouchers

Cons

  • No international lounge access
  • Forex markup of 3.5% is high for a travel card
  • No insurance coverage beyond zero liability
  • Add-on card holders do not get card benefits
Read full review
Best for: Frequent travellers who want to earn InterMiles on everyday spends with unlimited lounge access, golf privileges, and comprehensive travel insurance.
HDFC InterMiles Diners Club

HDFC InterMiles Diners Club

4.0 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹5,000

#77

Rewards rate

₹2.67 - ₹9.16/₹100

#7

Joining fee

₹5,000

#75

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
730+ #46
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international lounge access
  • Generous welcome benefits up to 25,000 InterMiles
  • 2x InterMiles on flight and hotel bookings via intermiles.com
  • Comprehensive insurance including Rs 2 Cr air accident cover
  • Unlimited complimentary golf games and coaching

Cons

  • Card has been phased out by HDFC Bank
  • Fuel and wallet transactions excluded from rewards
  • Grocery rewards capped at 1,000 per month
  • Redemption fee of Rs 99 per transaction
Read full review
Best for: Frequent travellers who want to earn air miles on everyday spends, with complimentary domestic and international lounge access and Etihad Airways discounts.
HDFC InterMiles Signature

HDFC InterMiles Signature

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹2,500

#61

Rewards rate

₹7.00/₹100

#14

Joining fee

₹2,500

#59

Interest rate

43.80%

#36
Card details
Forex Markup
2.00% #7
Domestic Lounge
16/year #11
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Earn up to 8,000 bonus InterMiles as welcome benefits
  • 16 complimentary domestic lounge visits per year
  • 5 free international lounge visits via Priority Pass
  • Low 2% forex markup vs industry standard 3.5%
  • Exclusive Dineout Passport with up to 35% off dining
  • Etihad Airways discounts: 5% Economy, 10% Business class

Cons

  • InterMiles can only be redeemed on InterMiles website
  • No insurance benefits beyond zero liability
  • Card has been discontinued and migrated to HDFC Diners Millennia
Read full review
Best for: Business owners and self-employed individuals who frequently use Paytm for business transactions, bill payments and recharges. Also good for those wanting domestic lounge access with a low annual fee.
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
12/year #14
Min Credit Score
700+ #3
Categories Business, Cashback, Co-Branded, Lounge Access
View full details
CardNitty's take

Pros

  • Up to 5% cashback on Paytm spends
  • 12 complimentary domestic airport lounge visits per year
  • Low joining fee of Rs 1,000 with fee waiver option
  • Personal Accident Cover up to Rs 15 lakh
  • 3% cashback on Swiggy, AJIO, BigBasket and Uber

Cons

  • No international lounge access
  • High forex markup of 3.5% plus GST
  • Cashback redemption capped at 3,000 points per month
  • Cashback not applicable on fuel, wallet, EMI, rent and government spends
Read full review
Best for: Self-employed resellers and wholesalers who regularly shop on Flipkart Wholesale and want to maximize cashback on business purchases and utility payments.
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Shopping
View full details
CardNitty's take

Pros

  • Zero joining fee with Rs 499 annual fee waivable at Rs 3L spend
  • 5% cashback on Flipkart Wholesale spends up to Rs 2,000 per month
  • 5% cashback on telecom, utility, government and tax payments
  • 1% cashback on all other spends with Rs 25,000 monthly cap
  • Up to 50 days interest-free credit period
  • 1% fuel surcharge waiver at all fuel stations

Cons

  • Cashback on utility and telecom payments capped at low Rs 250 per month
  • No lounge access, insurance, or lifestyle benefits
  • 3.5% forex markup makes it poor for international use
  • Limited to self-employed individuals with Flipkart Wholesale membership
  • No cashback on rent, education, fuel, wallet, and EMI transactions
Read full review
Best for: Best Price store members and self-employed individuals who frequently shop at Best Price wholesale stores and want reward points on everyday business spends
Best Price Save Max HDFC Bank

Best Price Save Max HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹0.40 - ₹1.20/₹100

#77

Joining fee

₹1,000

#43

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
International Lounge
8/year #12
Min Credit Score
700+ #3
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 6 reward points per Rs.150 on Best Price spends
  • 8 complimentary lounge visits per year
  • Rs.50 lakh air accident cover
  • Fuel surcharge waiver at all stations
  • Low annual fee of Rs.1,000 with easy waiver

Cons

  • Card sourcing has been stopped for new applicants
  • Reward point value is low at Rs.0.30 per point
  • Available only to Best Price store members
  • 3.5% forex markup is high
Read full review
Best for: Frequent Taj Hotels guests, luxury travellers, high-net-worth individuals who value premium hotel privileges, exclusive lounge access, and concierge services
HSBC Taj

HSBC Taj

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹1,10,000

#87

Rewards rate

₹1.01 - ₹3.35/₹100

#51

Joining fee

₹1,10,000

#85

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Co-Branded, Dining, Lounge Access, Premium, Travel
View full details
CardNitty's take

Pros

  • Unlimited global airport lounge access via Priority Pass
  • Complimentary Taj Palace stay and 2 IHCL hotel nights on activation
  • 25% off on stays, dining, spa, and Qmin at Taj properties
  • Exclusive Chambers Lounge and Taj Club Lounge access
  • 4 Blacklane chauffeur-driven airport transfers per year
  • NeuPass Taj InnerCircle Platinum Tier membership
  • BookMyShow BOGO and Starbucks 50% off

Cons

  • Very high joining and annual fee of Rs 1.1 Lakh + GST
  • Base reward rate of 1% is low for the fee bracket
  • Benefits are primarily useful for Taj Hotel guests
  • Forex markup of 3.5% unless you are an HSBC executive banking client
  • Limited to select cities for eligibility
Read full review
Best for: Frequent domestic travelers who book through EaseMyTrip and want an affordable entry-level travel card with instant discounts
Standard Chartered EaseMyTrip

Standard Chartered EaseMyTrip

3.0 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹350

#8

Rewards rate

₹0.50 - ₹2.50/₹100

#63

Joining fee

₹350

#9

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Lounge Access, Travel
View full details
CardNitty's take

Pros

  • Affordable annual fee of ₹350 waived at ₹50K spend
  • Flat 20% discount on hotel bookings via EaseMyTrip
  • 10X reward points on standalone hotel and airline bookings
  • No minimum spend threshold for EaseMyTrip discounts

Cons

  • International lounge access discontinued from Oct 2024
  • Only 2 domestic lounge visits per year
  • No fuel surcharge waiver or dining benefits
  • Limited to EaseMyTrip platform for discount benefits
Read full review
Best for: Young professionals who shop on Myntra, order from Zomato, use Ola, and buy groceries on Blinkit. Ideal for entry-level users wanting instant discounts.
Standard Chartered DigiSmart

Standard Chartered DigiSmart

3.4 CardNitty rating
APPLY NOW on Standard Chartered Bank's website

Annual fee

FREE

Rewards rate

Varies

Joining fee

₹49

#1

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 20% discount on Myntra (max ₹700/month)
  • 15% cashback on Ola rides (max ₹600/month)
  • 10% off on Zomato and Blinkit
  • Buy 1 Get 1 at INOX on weekends
  • Monthly fee waived on ₹5,000 spend
  • Contactless payment enabled
  • Instant approval with video KYC
  • No reward points complexity

Cons

  • Card discontinued for new applications since Dec 2022
  • No reward points system
  • No airport lounge access
  • High interest rate (45% annually)
  • Limited to specific partner merchants
  • Monthly fee structure (₹49/month)
  • No fuel surcharge waiver
  • Entry-level benefits only
Read full review
Best for: Practicing doctors who travel frequently and want professional indemnity insurance coverage
Doctor's SBI Card (IMA)

Doctor's SBI Card (IMA)

3.2 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹1.25/₹100

#75

Joining fee

₹1,499

#52

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unique professional indemnity insurance of Rs. 20 Lakhs
  • 12 complimentary airport lounge visits per year (8 domestic + 4 international)
  • Complimentary Priority Pass membership worth $99
  • 5X rewards on medical supplies, travel and international spends
  • Renewal fee waiver on Rs. 2 Lakh annual spend

Cons

  • Low base reward rate of 0.25% (1 RP per Rs. 100)
  • High forex markup of 3.5% despite 5X international rewards
  • Only available to allopathic doctors with 3+ years experience
  • Reward point value is low at Rs. 0.25 per point
Read full review
Best for: Tata brand loyalists, frequent BigBasket/Croma/Tanishq shoppers, entry-level card seekers wanting rewards on everyday spending within the Tata ecosystem.
Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

3.4 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹1.50/₹100

#27

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 7% NeuCoins on select Tata Neu categories
  • 1% NeuCoins on all other spends including UPI (RuPay variant)
  • Low annual fee of Rs. 499 with easy waiver on Rs. 1 lakh spend
  • Welcome benefit of 499 NeuCoins effectively offsets joining fee
  • 4 complimentary domestic airport lounge visits per year
  • 1 NeuCoin = Re. 1 - simple and transparent redemption value

Cons

  • Rewards limited to Tata Neu ecosystem only
  • High forex markup of 3.5% makes it unsuitable for international use
  • Lounge access requires Rs. 50,000 quarterly spend threshold
  • No insurance or lifestyle perks - strictly an entry-level card
  • SBI Card known for delayed reward deductions during sales
Read full review
Best for: Frequent Tata Neu shoppers (BigBasket, Croma, Titan, Air India, Taj Hotels), UPI users with RuPay variant, and international travellers.
Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

3.8 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹1.50 - ₹7.50/₹100

#14

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 10% NeuCoins on select Tata Neu categories
  • 5% NeuCoins on wide Tata brand ecosystem
  • 1.5% on all other spends including UPI
  • Low forex markup of 1.99%
  • Priority Pass with 4 intl lounge visits
  • Annual fee offset by welcome NeuCoins

Cons

  • Domestic lounge requires Rs. 75K quarterly spend
  • NeuCoins only redeemable in Tata ecosystem
  • No complimentary insurance
  • No fuel rewards
  • Monthly caps on grocery, utility, UPI NeuCoins
Read full review
Best for: Regular Apollo Hospitals/Pharmacy users seeking healthcare rewards and Gold Tier membership benefits with an affordable annual fee.
Apollo SBI Card

Apollo SBI Card

3.5 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹0.50 - ₹3.00/₹100

#57

Joining fee

₹499

#10

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Rewards
View full details
CardNitty's take

Pros

  • Affordable Rs. 499 annual fee waivable on Rs. 1L spend
  • 3X reward points on all Apollo healthcare services
  • 2X rewards on dining, movies and entertainment
  • Complimentary Apollo Gold Tier Membership
  • 1 Reward Point = Rs. 1 with instant POS redemption

Cons

  • Reward points only redeemable within Apollo ecosystem
  • No lounge access or travel benefits
  • Low base reward rate of 0.5% on general spends
  • No insurance coverage
Read full review
Best for: PhonePe users, bill payment enthusiasts, UPI-first digital spenders seeking an affordable rewards card with up to 3% value-back on everyday expenses.
PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE

3.6 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹3.00/₹100

#57

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Up to 3% rewards on PhonePe spends (1 RP = Re. 1)
  • Welcome gift offsets joining fee
  • RuPay variant enables UPI-linked rewards
  • Easy annual fee waiver at Rs. 1 lakh spend
  • Rewards on offline Scan & Pay transactions

Cons

  • No airport lounge access
  • Monthly reward caps of 1,000 per tier
  • High forex markup of 3.5%
  • No concierge or premium benefits
Read full review
Best for: Frequent Indian Railways travelers who book via IRCTC and want to maximize savings on train tickets with value back rewards and railway lounge access.
IRCTC SBI Card Premier

IRCTC SBI Card Premier

3.1 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.80 - ₹2.40/₹100

#14

Joining fee

₹1,499

#52

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Fuel, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Up to 10% value back on IRCTC railway bookings
  • 1 Reward Point = Rs 1 (excellent point value)
  • Welcome bonus offsets joining fee entirely
  • 8 complimentary railway lounge visits per year
  • Milestone rewards up to Rs 7,500 annually
  • 1% fuel surcharge waiver
  • Annual fee waiver on Rs 2L spend

Cons

  • Low base reward rate of 0.8% on general spends
  • High forex markup of 3.5%
  • No airport lounge access
  • Air accident and rail accident insurance discontinued from July 2025
  • Reward Points tied to IRCTC loyalty account
  • No concierge or premium lifestyle benefits
Read full review
Best for: Frequent BPCL fuel users seeking 4.25% value back, everyday spenders on grocery and dining, budget-conscious users wanting low-fee fuel card with easy annual fee waiver.
BPCL SBI Card

BPCL SBI Card

3.5 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹0.25 - ₹3.25/₹100

#56

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Strong 4.25% value back on BPCL fuel
  • 5X rewards on dining, grocery, departmental stores and movies
  • Low annual fee of Rs. 499 with easy waiver at Rs. 50K spend
  • Instant reward redemption at 1200+ BPCL outlets
  • Welcome bonus covers the joining fee

Cons

  • No airport lounge access
  • No insurance or travel benefits
  • Low 0.25% reward rate on non-category spends
  • Benefits limited to BPCL fuel stations only
  • High forex markup of 3.5%
Read full review
Best for: Regular HPCL fuel users looking for a low-fee fuel card with savings on everyday expenses including grocery, utility, and FASTag recharges.
IDFC FIRST Power

IDFC FIRST Power

3.6 CardNitty rating
APPLY NOW on IDFC First Bank's website

Annual fee

₹199

#2

Rewards rate

₹0.33 - ₹3.02/₹100

#23

Joining fee

₹199

#3

Interest rate

46.20%

#87
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Up to 5% savings on HPCL fuel with HP Pay App
  • Low annual fee of Rs.199 with easy waiver at Rs.50K spend
  • Never-expiring reward points
  • 2.5% savings on grocery, utility and FASTag
  • Interest-free ATM cash withdrawal for up to 45 days
  • Comprehensive insurance coverage including personal accident

Cons

  • No airport lounge access on base variant
  • Fuel savings limited to HPCL stations only
  • High forex markup of 3.5%
  • Reward caps on fuel, grocery and utility categories
Read full review
Best for: Frequent travellers who book through MakeMyTrip regularly and want to earn unlimited myCash rewards on flights, hotels, and holiday packages.
MakeMyTrip ICICI Bank

MakeMyTrip ICICI Bank

3.8 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

₹999

#41

Rewards rate

₹1.00 - ₹5.50/₹100

#30

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
0.99% #1
Domestic Lounge
8/year #19
International Lounge
1/year #21
Min Credit Score
700+ #3
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Up to 6% myCash on MakeMyTrip hotel bookings with no cap
  • Industry-low 0.99% forex markup on international transactions
  • 8 complimentary domestic lounge visits + 1 international per year
  • BOGO movie tickets on BookMyShow and INOX twice per month
  • Dual network (Mastercard + RuPay) with UPI earning capability
  • myCash never expires and equals Rs 1 each

Cons

  • myCash can only be redeemed on MakeMyTrip, not transferred to bank account
  • Lounge access limited to primary cardholder only
  • Only 1 international lounge visit per year
  • Fuel surcharge waiver limited to HPCL pumps only
Read full review
Best for: Frequent Swiggy users who order food, groceries via Instamart, and dine out regularly. Also great for online shoppers on Amazon, Flipkart, Myntra, and other platforms.
Swiggy HDFC Bank

Swiggy HDFC Bank

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹7.50/₹100

#14

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Dining, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on Swiggy platform spends
  • 5% cashback on popular online shopping platforms including Amazon and Flipkart
  • Low annual fee of Rs 500 with easy Rs 2 lakh waiver
  • Cashback credited directly as statement credit
  • Mastercard World tier benefits including golf and hotel discounts
  • Complimentary Swiggy One membership worth Rs 1,199 on activation

Cons

  • No airport lounge access
  • No fuel surcharge waiver and fuel spends excluded from cashback
  • High forex markup of 3.5% plus GST
  • Cashback caps limit maximum earning to Rs 3,500 per month
  • Many common categories like rent, wallet, and EMI excluded from earning
Read full review

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