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Best Lounge Access in India 2026

Compare the best lounge access in India. 38 cards ranked by our experts.

Showing 38 cards

Best for: High-net-worth individuals seeking unlimited lounge access, 3.33% rewards on travel, comprehensive insurance, and premium golf benefits. Ideal for Rs. 10+ lakh annual spenders.
HDFC Infinia Metal Edition

HDFC Infinia Metal Edition

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹12,500

#84

Rewards rate

₹3.33 - ₹19.16/₹100

#1

Joining fee

₹12,500

#83

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Lounge Access, Premium
View full details
CardNitty's take

Pros

  • Industry-leading 3.33% reward rate with 1:1 value on SmartBuy
  • Unlimited global lounge access via Priority Pass
  • Rs. 3 Cr air accident + Rs. 50 lakh medical insurance
  • Lowest forex markup at 2% among premium cards
  • Unlimited golf games and lessons worldwide
  • No reward redemption or cash advance fee

Cons

  • Strictly invite-only - no direct application
  • Rs. 12,500 annual fee (waived at Rs. 10L spend)
  • Monthly caps on SmartBuy rewards (15,000 points)
  • No rewards on fuel, rent, government transactions
Read full review
Best for: Frequent travellers who value unlimited lounge access, high reward rates via SmartBuy, and premium lifestyle benefits including golf and complimentary subscriptions.
HDFC Diners Club Black

HDFC Diners Club Black

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

Annual fee

₹10,000

#80

Rewards rate

₹1.67 - ₹10.84/₹100

#6

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international airport lounge access
  • 10X reward points on SmartBuy portal with Rs. 1/point value
  • Complimentary memberships: Amazon Prime, Club Marriott, Times Prime, MMT Black
  • 6 complimentary golf games per quarter worldwide
  • Rs. 2 crore air accident cover and Rs. 50 lakh emergency medical
  • Low forex markup of 2% + GST

Cons

  • High annual fee of Rs. 10,000 + GST
  • Limited Diners Club network acceptance in some countries
  • Reward points capped on utility, grocery, and insurance categories
  • No reward points on fuel, wallets, rent, and EMI
Read full review
Best for: Frequent travelers, dining enthusiasts, and high spenders looking for 3.33% base reward rate, unlimited lounge access, and complimentary golf.
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

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

Annual fee

₹10,000

#80

Rewards rate

₹3.33/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 3.33% base reward rate on all spends
  • Unlimited airport lounge access for primary and add-on cardholders
  • 10X reward points on SmartBuy hotel bookings
  • 6 complimentary golf games per quarter
  • Rs 2 crore air accident insurance
  • 24x7 global concierge service
  • Reward points worth Rs 1 each on SmartBuy

Cons

  • Diners Club network has limited offline acceptance in India
  • No fuel surcharge waiver on the Metal Edition
  • High annual fee of Rs 10,000 + GST
  • Renewal fee waiver requires Rs 8 lakh annual spend
Read full review
Best for: Frequent travelers seeking lounge access, SmartBuy shoppers wanting accelerated rewards, and those who value travel insurance and low forex markup.
HDFC Regalia

HDFC Regalia

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

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹7.33/₹100

#7

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Strong 2.67% base reward rate at best redemption
  • Up to 10x accelerated rewards via SmartBuy
  • Rs 1 crore air accident + Rs 15L medical cover
  • 8 domestic + 6 international lounge visits/year
  • Low 2% forex markup
  • Fee waiver on Rs 3L annual spend

Cons

  • Many categories excluded from earning points
  • Points expire after 2 years
  • Domestic lounge requires Rs 1L quarterly spend
  • SmartBuy accelerated rewards capped at 4,000 pts/month
  • Rs 99 redemption fee per request
Read full review
Best for: Frequent travelers and high-spenders who want premium lounge access, milestone rewards, and low forex markup at an affordable Rs. 2,500 annual fee.
HDFC Regalia Gold

HDFC Regalia Gold

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

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹5.83/₹100

#28

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
12/year #14
International Lounge
6/year #14
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access
View full details
CardNitty's take

Pros

  • 12 complimentary domestic + 6 international lounge visits
  • Low 2% forex markup (vs 3.5% industry standard)
  • Excellent milestone rewards - up to Rs. 11,500 annually
  • Best-in-class point value at Rs. 0.65 via Gold Catalogue

Cons

  • High Rs. 4 Lakh spend required for fee waiver
  • No reward points on fuel, rent, and wallet loading
  • 50,000 monthly cap on reward earning and redemption
Read full review
Best for: High-net-worth individuals seeking luxury travel benefits, unlimited lounge access, premium dining experiences, and a high 3% reward rate with excellent redemption options.
ICICI Bank Emeralde Private Metal

ICICI Bank Emeralde Private Metal

3.6 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

₹12,499

#83

Rewards rate

₹3.00/₹100

#57

Joining fee

₹12,499

#82

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Categories Lounge Access, Premium
View full details
CardNitty's take

Pros

  • 3% reward rate with 1 RP = Rs. 1 redemption value
  • Unlimited domestic and international lounge access
  • Unlimited complimentary golf rounds worldwide
  • Taj Epicure Plus and EazyDiner Prime memberships
  • Zero late payment charges
  • Rs. 3 Crore Air Accident Insurance

Cons

  • High annual fee of Rs. 12,499 + GST
  • Invite-only - not available for direct application
  • Limited transfer partner (only Air India Maharaja Club)
  • Rs. 3,500 card replacement fee for metal card
Read full review
Best for: Dining enthusiasts, SmartBuy shoppers, and domestic travellers seeking a well-rounded rewards card with quarterly milestone vouchers and lounge access at a moderate annual fee.
HDFC Diners Club Privilege

HDFC Diners Club Privilege

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

Annual fee

₹1,000

#45

Rewards rate

₹1.33 - ₹9.16/₹100

#7

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
International Lounge
2/year #19
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Up to 10X reward points on SmartBuy partners with 13.3% effective reward rate
  • 5X accelerated rewards on Swiggy and Zomato dining orders
  • 8 complimentary airport lounge visits per year across 1000+ lounges worldwide
  • Quarterly milestone voucher of Rs 1,500 on Rs 1.5 lakh spend
  • Comprehensive insurance cover including Rs 1 Cr air accident and Rs 25 Lakh medical
  • BookMyShow Buy 1 Get 1 Free on weekend movie tickets

Cons

  • Limited merchant acceptance due to Diners Club network compared to Visa/Mastercard
  • High forex markup of 3.5% plus GST makes it poor for international spends
  • No fuel surcharge waiver and fuel transactions earn zero reward points
  • Lounge access requires Rs 15,000 spend in previous quarter
Read full review
Best for: Frequent diners and grocery shoppers who spend Rs. 5-10 lakh annually and value movie tickets, lounge access, and low forex markup
SBI Card Elite

SBI Card Elite

3.1 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹4,999

#73

Rewards rate

₹0.50 - ₹1.00/₹100

#63

Joining fee

₹4,999

#71

Interest rate

45.00%

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

Pros

  • Free movie tickets worth Rs. 6,000/year
  • Up to 50,000 bonus milestone points/year worth Rs. 12,500
  • 5X rewards on dining, grocery and departmental stores
  • 6 international + 8 domestic lounge visits/year
  • Low 1.99% forex markup
  • Fee waiver on Rs. 10 lakh spend

Cons

  • Low base reward rate of 0.5%
  • 5X reward points capped at 10,000/month
  • High annual fee of Rs. 4,999
  • Air accident insurance discontinued
  • Reward redemption value only Rs. 0.25/point
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 travellers who want airline-agnostic miles with flexible transfer partners and tier-based lounge access.
Axis Bank Atlas

Axis Bank Atlas

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

Annual fee

₹5,000

#77

Rewards rate

₹2.00/₹100

#32

Joining fee

₹5,000

#75

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
International Lounge
4/year #17
Min Credit Score
750+ #50
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 1:2 transfer ratio to 20+ airline and hotel partners
  • 5 EDGE Miles per Rs. 100 on travel (5% return)
  • Tier-based lounge access up to 18 domestic + 12 international
  • Flexible redemption via Travel EDGE Portal at Rs. 1/mile
  • Welcome benefit of 2,500 EDGE Miles worth Rs. 5,000+

Cons

  • High forex markup of 3.5% despite being a travel card
  • No insurance benefits
  • No golf benefits
  • No annual fee waiver option
  • Transfer partner caps (Group A: 30K, Group B: 1.2L per year)
Read full review
Best for: Google Pay users who pay utility bills, Swiggy/Zomato/Ola users, people seeking strong base cashback with no cap
Axis Bank Ace

Axis Bank Ace

3.7 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹5.00/₹100

#32

Joining fee

₹499

#10

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Lifetime Free, Lounge Access
View full details
CardNitty's take

Pros

  • Highest cashback (5%) on utility bills via Google Pay
  • Uncapped 1.5% base cashback on all other spends
  • 4 complimentary domestic airport lounge visits per year
  • Low annual fee of Rs. 499, waivable on Rs. 2 lakh annual spend
  • 4% cashback on Swiggy, Zomato and Ola
  • Free card replacement
  • 1% fuel surcharge waiver up to Rs. 500 per cycle

Cons

  • Accelerated cashback (5% and 4%) capped at Rs. 500 per statement cycle combined
  • iOS users cannot use Google Pay bill pay feature for 5% cashback
  • No cashback on fuel, EMI, rent, wallet loads, insurance and gold purchases
  • 3.5% forex markup makes it poor for international transactions
  • Base cashback reduced from 2% to 1.5% in April 2024 devaluation
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: Frequent travellers who want to accumulate airmiles through everyday spending, with access to airport lounges and comprehensive travel insurance at an affordable annual fee.
HDFC Diners Club Miles

HDFC Diners Club Miles

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

Annual fee

₹1,000

#45

Rewards rate

₹9.16/₹100

#7

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.00% #25
Domestic Lounge
6/year #35
International Lounge
6/year #14
Min Credit Score
700+ #3
Categories Dining, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Best-in-class 1:1 airmile transfer ratio with Singapore Airlines, British Airways, and Club Vistara
  • 10X accelerated rewards on partner brands via SmartBuy
  • 6 complimentary domestic and international lounge visits per year
  • Comprehensive insurance coverage including Rs. 1 Crore air accident
  • Low annual fee of Rs. 1,000 with easy spend-based waiver at Rs. 1 lakh
  • 24/7 concierge service for travel assistance

Cons

  • Limited Diners Club network acceptance, especially in India - need a backup Visa/Mastercard
  • Foreign currency markup of 3% plus GST is on the higher side
  • 10X reward points capped at only 5,000 per month
  • Reward redemption fee of Rs. 99 per request
Read full review
Best for: Individuals who spend frequently on dining, groceries, and departmental stores, and want domestic and international airport lounge access at a reasonable annual fee.
SBI Card Prime

SBI Card Prime

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹2,999

#69

Rewards rate

₹0.50 - ₹5.00/₹100

#32

Joining fee

₹2,999

#67

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Dining, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Strong 2.5% reward rate on dining, groceries, departmental stores and movies
  • Generous lounge access: 8 domestic + 4 international visits annually
  • Multiple milestone vouchers up to Rs. 11,000 in value per year
  • Golf benefits with Mastercard variant
  • Complimentary Club Vistara Silver, Trident Privilege Red, and ITC Silver memberships

Cons

  • Low base reward rate of 0.5% on general spending
  • High forex markup of 3.5% makes it unsuitable for international transactions
  • Accelerated rewards capped at 7,500 RP per month
  • Rs. 3 lakh annual spend required for fee waiver is steep for the benefits offered
  • Air accident insurance being discontinued from July 2025
Read full review
Best for: Self-employed business professionals seeking lounge access, reward points on business expenses, and 24x7 concierge services with a manageable annual fee.
HDFC Business Regalia

HDFC Business Regalia

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

Annual fee

₹2,500

#61

Rewards rate

₹1.33/₹100

#72

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Business, Lifestyle, Lounge Access, Premium, Rewards
View full details
CardNitty's take

Pros

  • Strong reward rate of 4 RPs per Rs. 150 including insurance and utility spends
  • 8 domestic + 6 international lounge visits per year via Priority Pass
  • 24x7 concierge services for travel and entertainment
  • Annual fee waiver on Rs. 3 Lakh spend
  • Milestone bonus of up to 15,000 reward points annually

Cons

  • High forex markup of 3.5% makes it poor for international spending
  • Insurance benefits reportedly discontinued from April 2025
  • Domestic lounge access now requires Rs. 1 Lakh quarterly spend
  • No welcome benefits currently offered
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: HNIs and frequent travelers who want high rewards across all categories without restrictions, golf enthusiasts, and international travelers seeking low forex markup
Standard Chartered Ultimate

Standard Chartered Ultimate

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

Annual fee

₹5,000

#77

Rewards rate

₹2.00 - ₹5.00/₹100

#32

Joining fee

₹5,000

#75

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
16/year #11
Min Credit Score
750+ #50
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Uncapped 3.33% rewards on most categories
  • 6,000 welcome points worth ₹6,000
  • Low 2% forex markup fee
  • 12 complimentary golf games per year
  • Priority Pass membership
  • Comprehensive travel insurance (₹1Cr air accident)
  • 5% cashback on duty-free purchases

Cons

  • No annual fee waiver option
  • Limited lounge access (4 domestic/quarter, 1 intl/month with spend condition)
  • Reduced 2% rewards on utilities, supermarkets, rent
  • No airline/hotel transfer partners
  • Amazon/Flipkart vouchers not available
  • Redemption fee ₹99 + GST
Read full review
Best for: Health-conscious individuals spending on pharmacy, dining, sports and movies. Ideal with FITPASS PRO, Netmeds First memberships and domestic lounge access.
SBI Card Pulse

SBI Card Pulse

3.2 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹2.50/₹100

#63

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Excellent 10X rewards (2.5%) on health, dining, sports and movies
  • Complimentary FITPASS PRO and Netmeds First memberships renewed annually
  • Welcome gift worth Rs. 7,999 (Noise smartwatch)
  • 4 domestic lounge visits per year
  • Comprehensive travel insurance coverage
  • Renewal fee waiver on Rs. 2L annual spend

Cons

  • High forex markup of 3.5%
  • Low base reward rate of only 0.5% on non-category spends
  • No complimentary international lounge visits
  • Reward points expire in 24 months
Read full review
Best for: Regular retail shoppers who spend ₹20,000+ monthly and want straightforward rewards without category restrictions. Ideal for those seeking entry-level lounge access and fuel surcharge waivers.
Standard Chartered Rewards

Standard Chartered Rewards

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

Annual fee

₹1,000

#45

Rewards rate

₹0.17 - ₹1.00/₹100

#86

Joining fee

FREE

Interest rate

45.00%

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

Pros

  • Up to 8x reward points on retail spends above ₹20k monthly
  • No reward points expiry
  • Low annual fee waiver threshold (₹1.5L)
  • 4000 bonus points on annual fee payment
  • Quarterly domestic lounge access
  • 1% fuel surcharge waiver

Cons

  • No rewards on fuel transactions
  • Relatively low point value (₹0.20-₹0.25 per point)
  • No international lounge access
  • High forex markup (3.5%)
  • No premium benefits like golf or concierge
Read full review
Best for: Frequent travelers seeking 1:1 airline and hotel point transfers with instant redemption, travel marketplace accelerated rewards, and complimentary lounge access.
HSBC TravelOne

HSBC TravelOne

3.4 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

₹4,999

#73

Rewards rate

₹2.00 - ₹14.50/₹100

#5

Joining fee

₹4,999

#71

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
6/year #35
International Lounge
4/year #17
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Extensive 1:1 airline and hotel transfer partners (20+)
  • Accelerated rewards up to 24% via HSBC Rewards Marketplace
  • Instant point transfers via HSBC mobile app
  • 10 complimentary lounge visits per year (no min spend)
  • Golf access with 4 rounds + 12 lessons annually
  • Annual fee waiver on Rs. 8 lakh spend

Cons

  • High 3.5% forex markup negates international spend rewards
  • Many excluded categories (fuel, utilities, insurance, education)
  • Limited city availability for applications
  • Welcome benefits require app download + Rs. 10K spend in 30 days
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 travellers who want complimentary global lounge access, low forex markup, and solid reward points on everyday spends.
HDFC Diners Club Premium

HDFC Diners Club Premium

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

Annual fee

₹2,500

#61

Rewards rate

₹9.16/₹100

#7

Joining fee

₹2,500

#59

Interest rate

43.20%

#19
Card details
Forex Markup
2.00% #7
Domestic Lounge
6/year #35
International Lounge
6/year #14
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low 2% forex markup on foreign currency transactions
  • 6 complimentary lounge visits at 1000+ global airports
  • Rs 1 Crore air accident insurance cover
  • 10X reward points on international spends
  • Renewal fee waiver on Rs 3 lakh annual spend

Cons

  • Limited Diners Club network acceptance in India
  • No dining or entertainment offers
  • Reward rate of 1.3% is average for this fee range
  • Card sourcing has been stopped for new applications
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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: Self-employed professionals and SME owners with annual ITR above Rs.12 lakh who spend on GST, income tax, Google/Meta ads, business software, and travel bookings.
HDFC Biz Power

HDFC Biz Power

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

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹9.16/₹100

#7

Joining fee

₹2,500

#59

Interest rate

43.20%

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

Pros

  • Earn 5X reward points on business-essential spends like tax, GST, ads, and software
  • Up to 16 domestic + 6 international lounge visits per year
  • Strong quarterly milestone benefits (Rs.2,500 vouchers)
  • Best redemption value of Rs.0.65 per point on Business Catalogue
  • Up to 40% off on business software via SmartBuy BizDeals

Cons

  • No complimentary insurance - business insurance is paid (from Rs.3,785/year)
  • 1% surcharge on rent, fuel (>Rs.30K), and utility (>Rs.75K) transactions
  • Fuel, wallet, rent, education, and EMI spends excluded from rewards
  • No concierge or priority customer care
Read full review
Best for: Business owners with Rs.30L+ ITR who make significant tax/GST payments and want premium travel benefits with unlimited lounge access and 5X rewards.
HDFC Biz Black Metal Edition

HDFC Biz Black Metal Edition

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

Annual fee

₹10,000

#80

Rewards rate

₹3.33 - ₹19.16/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Business, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Industry-first 5X rewards on Income Tax and GST payments
  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 6 complimentary golf games per quarter at 100+ global courses
  • Club Marriott membership with 20% off dining and stays
  • Up to Rs.20,000 in milestone vouchers per calendar year
  • 55-day interest-free credit period
  • Low forex markup of 2% with Global Value Program cashback

Cons

  • Diners Club network has limited acceptance at small merchants
  • Accelerated 5X rewards require minimum Rs.50,000 spend per statement cycle
  • No fuel surcharge waiver offered
  • Business insurance is a paid add-on (not complimentary)
  • High joining fee of Rs.10,000 + GST may deter small businesses
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: 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: Individuals who spend heavily on dining, food delivery and groceries looking for high cashback with no brand restrictions.
HSBC Live+

HSBC Live+

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

Annual fee

₹999

#41

Rewards rate

₹1.50 - ₹7.50/₹100

#14

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Dining, Grocery, Lounge Access
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on dining, food delivery and groceries
  • 1.5% unlimited cashback on all other eligible retail spends
  • Low annual fee of Rs 999 easily waived on Rs 2L spend
  • Automatic cashback credit, no redemption hassle
  • 4 complimentary domestic airport lounge visits per year

Cons

  • High forex markup at 3.5%
  • No fuel surcharge waiver
  • Long list of cashback exclusions including utilities, fuel, rent, insurance
  • No international lounge access
  • Available only in select Indian cities
Read full review
Best for: High-net-worth individuals with FUM Rs. 50L+, frequent travelers, golf enthusiasts, premium dining lovers, Priority Banking customers
Standard Chartered Beyond

Standard Chartered Beyond

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

Annual fee

₹25,000

#86

Rewards rate

₹2.00 - ₹3.33/₹100

#52

Joining fee

₹15,000

#84

Interest rate

N/A

Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic & international lounge access with 8 guest visits
  • 3.33% reward rate (Rs. 1 per point)
  • Rs. 15,000 welcome vouchers
  • 2 complimentary golf games per month
  • 25% dining discount via EazyDiner
  • BOGO movie tickets on BookMyShow
  • Low 2% forex markup
  • 15% duty-free cashback
  • Rs. 60,000 milestone on Rs. 20L spend

Cons

  • High FUM requirement (Rs. 50L+)
  • High annual fee (Rs. 25,000)
  • Limited to Priority Banking customers
  • Reduced rate on utilities/insurance (2%)
Read full review
Best for: Standard Chartered Priority Banking customers looking for a complimentary premium card with travel benefits, golf privileges, and comprehensive insurance coverage
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

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

Annual fee

FREE

Rewards rate

₹2.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
730+ #46
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • 24 complimentary lounge visits per year (domestic)
  • 2 golf games + 1 coaching per month
  • ₹1 Crore air accident insurance
  • Lifetime free for Priority Banking
  • 24x7 concierge services
  • Priority Pass membership worth USD 99

Cons

  • High 3.5% forex markup fee
  • Low 2% base reward rate
  • International lounge access requires ₹30L FUM
  • Only for Priority Banking customers
  • 3-year points expiry
  • ₹99 redemption fee
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: Medical professionals (allopathy doctors) who travel frequently, make medical supply purchases, and want professional indemnity insurance coverage included with their credit card.
Doctor's SBI Card

Doctor's SBI Card

3.4 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

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
700+ #3
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unique Rs. 20 Lakh Professional Indemnity Insurance at no extra cost
  • 5X rewards on medical supplies, travel, and international spends (1.25% reward rate)
  • 12 airport lounge visits per year (8 domestic + 4 international Priority Pass)
  • Complimentary Priority Pass membership worth $99
  • Renewal fee waived on Rs. 2 Lakh annual spend
  • Visa Signature privileges including 24x7 concierge and luxury hotel benefits

Cons

  • Low base reward rate of 0.25% on general spends
  • High forex markup of 3.5% despite 5X on international spends
  • Reward points value is only Rs. 0.25 per point
  • 7,500 reward point monthly cap on accelerated categories
  • Not available for non-allopathy doctors
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: 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: 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 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

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