India's top-rated credit cards ranked by our proprietary algorithm. Every card compared against 300+ others across rewards, benefits, fees, and value for money.
5 cards ranked | Updated January 2026
Earning rate, cashback vs points, redemption value
Benefits relative to annual fee
Annual fee, interest rate, forex markup
Lounges, insurance, lifestyle perks
3.7 ★
3.7 ★
3.1 ★
3.1 ★
3.0 ★
Choosing the right credit card can feel overwhelming with hundreds of options available. That's why we've built a data-driven ranking system that compares every card against every other card in our database.
Unlike other comparison sites that use arbitrary scores, our rankings are percentile-based. When a card ranks #1, it means it outperformed all 300+ cards we track. No guesswork, no paid placements—just transparent, algorithmic rankings.
Our overall rating weighs five key components: Rewards (27%), Value for Money (22.5%), Fees (22.5%), Benefits (18%), and User Reviews (10%). This balanced approach ensures you find cards that truly deliver value, not just flashy features.
Our algorithm evaluates every credit card across 24 specialized leaderboards, then combines these scores into five component ratings:
Key principle: Cashback gets a 35% bonus over points because it's guaranteed value. A free card delivering 80% of a premium card's benefits scores higher—because value matters.
The "best" credit card depends entirely on your spending habits and priorities. Here's what matters most:
This overall ranking is ideal for:
If you have specific needs (best for travel, lowest fees, maximum rewards), check our specialized leaderboards for more targeted recommendations.
Rankings are recalculated whenever card data changes. When banks update features or fees, our algorithm automatically adjusts all affected rankings in real-time.
Our rankings measure value, not just features. A free card delivering 80% of a premium card's benefits at zero cost is objectively better value. Premium cards must significantly outperform to justify their fees.
No. Our algorithm is purely data-driven. We may earn affiliate commissions when you apply through our links, but this never influences rankings. Editorial and business operations are completely separate.
Most sites use arbitrary 1-10 scores. We use percentile-based relative rankings—every card is compared against every other card. A 4.5-star rating means that card is genuinely in the top 12.5% of all cards we track.
The best credit card is the one that maximizes value for your specific spending patterns. Our rankings provide an objective starting point, but consider your individual needs when making your final decision.
Use our specialized leaderboards (travel, dining, rewards, etc.) if you have specific priorities, or start with these top-rated overall cards for a well-rounded option that performs across all categories.
