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Best Rewards in India 2026

Compare the best rewards in India. 55 cards ranked by our experts.

Showing 55 cards

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: Young professionals and online shoppers who frequently use Amazon, Flipkart, Swiggy, Zomato, and other popular platforms
HDFC Millennia

HDFC Millennia

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

Annual fee

₹1,000

#45

Rewards rate

₹1.00 - ₹3.00/₹100

#32

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Attractive 5% cashback on 10 popular online brands
  • Low annual fee of Rs 1,000 easily waived on Rs 1L spend
  • 1 CashPoint = Rs 1 for statement credit - simple redemption
  • Quarterly milestone vouchers worth Rs 1,000 each
  • Dining discount via Swiggy Dineout

Cons

  • Monthly cashback cap of only 2,000 CashPoints (Rs 2,000)
  • High 3.5% forex markup for international transactions
  • Lounge access now requires quarterly spend milestone
  • No insurance or premium lifestyle benefits
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: Online shoppers who frequently buy from Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart. First-time credit card users seeking an affordable entry-level rewards card with low annual fee.
HDFC MoneyBack Plus

HDFC MoneyBack Plus

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

Annual fee

₹500

#21

Rewards rate

₹0.33 - ₹3.33/₹100

#52

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
650+ #1
Categories Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 3.33% valueback on 5 popular online merchants
  • Low annual fee of Rs. 500 with easy waiver
  • Quarterly milestone vouchers worth Rs. 500 each
  • Multiple redemption options including SmartBuy
  • Flexible CashPoints redeemable as cashback, travel, airmiles
  • Contactless payment enabled

Cons

  • No airport lounge access
  • Reward points expire after 2 years
  • No rewards on fuel, rent, government, EMI transactions
  • Grocery rewards capped at 1,000 points per month
  • 10X CashPoints capped at 2,500 per month
  • High forex markup of 3.5%
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 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: Individuals seeking an affordable rewards credit card with dining benefits, insurance coverage, and milestone bonus points at a low annual fee of Rs 1,000.
HDFC Regalia First

HDFC Regalia First

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

Annual fee

₹1,000

#45

Rewards rate

₹0.60 - ₹2.00/₹100

#68

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Min Credit Score
700+ #3
Categories Dining, Lifestyle, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 1,000 waivable on Rs 1L spend
  • Generous milestone bonuses up to Rs 2,250 per year
  • Up to 20% dining savings via Swiggy Dineout
  • Rs 1 Crore air accident insurance cover
  • Fuel surcharge waiver on all fuel stations

Cons

  • Airport lounge access discontinued since Dec 2023
  • Low base reward rate (0.6% effective)
  • Grocery and utility reward points capped at 2,000/month
  • High forex markup of 2%
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: Online shoppers who frequently buy from Myntra, BookMyShow, Cleartrip, and other partner brands seeking high reward rates at a low annual fee.
SimplyCLICK SBI Card

SimplyCLICK SBI Card

3.6 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹0.25 - ₹2.50/₹100

#63

Joining fee

₹499

#10

Interest rate

45.00%

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

Pros

  • Excellent 10X rewards on 8+ partner brands covering shopping, travel, dining and entertainment
  • Low annual fee of Rs. 499 with easy waiver on Rs. 1L spend
  • 5X reward points on all online spends beyond partner brands
  • Up to Rs. 4,000 in milestone e-vouchers per year

Cons

  • No airport lounge access
  • High forex markup of 3.5% makes it unsuitable for international use
  • Reward point value of Rs. 0.25 is relatively low
  • No rewards on fuel, rent, government, and utility payments
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: 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: 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 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 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: First-time credit card users, everyday spenders on groceries, dining and entertainment, those seeking low annual fee cards with decent rewards
HDFC Freedom

HDFC Freedom

3.2 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.10 - ₹1.00/₹100

#78

Joining fee

₹500

#21

Interest rate

43.20%

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

Pros

  • Low annual fee of Rs. 500 with easy Rs. 50,000 waiver
  • 10X CashPoints on popular merchants like Swiggy, BigBasket, Uber
  • Accessible eligibility with Rs. 12,000 monthly income requirement
  • 1% fuel surcharge waiver on transactions Rs. 400-5,000
  • Contactless payment enabled

Cons

  • Low base reward rate of 0.1% (1 point per Rs. 150 at Rs. 0.15/point)
  • No airport lounge access
  • High forex markup of 3.5% making it unsuitable for international use
  • 10X merchant cap of 2,500 points per month limits high spenders
Read full review
Best for: Frequent UPI users, existing HDFC cardholders wanting rewards on UPI spends, budget-conscious users seeking cashback on groceries and utilities.
HDFC Bank UPI RuPay

HDFC Bank UPI RuPay

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

Annual fee

₹99

#1

Rewards rate

₹1.00 - ₹8.50/₹100

#57

Joining fee

₹99

#2

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Earn CashPoints on both UPI and regular transactions
  • Up to 3% rewards on groceries, supermarket and dining
  • 2% rewards on utility bill payments (rare benefit)
  • Very low annual fee of Rs. 99 with easy waiver at Rs. 25,000 spend
  • Seamless integration with all major UPI apps

Cons

  • Low effective reward rate of 0.25% to 0.75% in INR terms
  • Monthly caps of 500 CashPoints per category limit earning potential
  • Virtual card only - no physical card issued
  • Only available as add-on to existing HDFC Bank card
  • No airport lounge access or premium perks
  • Limited international acceptance with RuPay network
Read full review
Best for: First-time credit card users, students, and beginners looking for a simple cashback card with low fees and digital-first experience via PayZapp
HDFC Pixel Go

HDFC Pixel Go

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

Annual fee

₹250

#3

Rewards rate

₹1.00/₹100

#14

Joining fee

₹250

#4

Interest rate

45.00%

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

Pros

  • Low annual fee of Rs. 250 with easy waiver at Rs. 50,000 annual spend
  • 1% unlimited cashback on all eligible spends with no monthly cap
  • 5% cashback on SmartBuy platform (flights, hotels, vouchers)
  • Dual network (Visa + RuPay) with UPI credit card functionality
  • Fully digital card management via PayZapp app
  • FD-backed option available for those with no credit history

Cons

  • No airport or railway lounge access
  • High forex markup of 3.5% makes it poor for international use
  • 5% SmartBuy cashback capped at 500 CashPoints per month
  • No concierge or premium lifestyle benefits
  • Minimum 500 CashPoints needed to redeem rewards
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: Budget-conscious travellers who want to earn reward points on everyday spending, access Diners Club lounges, and have a 24x7 concierge at a low annual fee.
HDFC Diners Club Rewardz

HDFC Diners Club Rewardz

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹1,000

#45

Rewards rate

₹0.60 - ₹5.50/₹100

#30

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.00% #25
Domestic Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Entry Level, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 1,000 with spend-based waiver at Rs. 1 lakh
  • 10X Reward Points on partner brand shopping
  • Unlimited access to 1,000+ Diners Club lounges in India
  • 24x7 Global Personal Concierge Service
  • 1% fuel surcharge waiver on transactions Rs. 400-5,000
  • Reward Points redeemable for flights, hotels, AirMiles, and more

Cons

  • Low base reward rate (3 RPs per Rs. 150 = 0.60% return)
  • Reward cap of 15,000 points per statement cycle
  • 10X partner rewards capped at just 2,000 points per month
  • No complimentary movie tickets or dining offers
  • No insurance coverage
  • Card no longer accepting new applications
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
Read full review
Best for: First-time credit card users looking for an affordable card with basic rewards and dining benefits.
HDFC Titanium Edge

HDFC Titanium Edge

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

Annual fee

₹500

#21

Rewards rate

₹0.13 - ₹0.20/₹100

#91

Joining fee

FREE

Interest rate

41.88%

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

Pros

  • Zero joining fee
  • Annual fee waived on Rs. 50,000 yearly spend
  • 50% extra reward points on dining
  • 1% fuel surcharge waiver
  • Contactless payment enabled
  • Complimentary accidental death insurance up to Rs. 50 lakh

Cons

  • Very low base reward rate (0.13%)
  • No lounge access
  • No welcome bonus
  • 3.5% forex markup is high
  • Card is now discontinued for new applications
Read full review
Best for: Women looking for an affordable credit card with accelerated rewards on grocery and dining spends
HDFC Solitaire

HDFC Solitaire

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.40 - ₹0.53/₹100

#89

Joining fee

₹500

#21

Interest rate

43.20%

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

Pros

  • Accelerated 50% extra reward points on grocery and dining
  • Shoppers Stop vouchers worth up to Rs. 2,000 per year on milestone spends
  • Low annual fee of Rs. 500 with spend-based waiver at Rs. 50,000
  • 1% fuel surcharge waiver on transactions Rs. 400 to Rs. 5,000
  • Zero liability protection on fraudulent transactions

Cons

  • No lounge access or travel benefits
  • Low reward point redemption value (Re. 0.20 per point)
  • No welcome bonus of monetary value
  • Foreign currency markup of 3.5% is on the higher side
  • Rs. 99 fee charged per reward redemption request
Read full review
Best for: Medical professionals who want a dedicated credit card with professional indemnity insurance, dining rewards, and air miles conversion.
HDFC Doctors Superia

HDFC Doctors Superia

2.9 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹1,000

#45

Rewards rate

₹0.50 - ₹0.67/₹100

#86

Joining fee

₹1,000

#43

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Dining, Healthcare, Professional, Rewards
View full details
CardNitty's take

Pros

  • Professional Indemnity Insurance up to Rs.20 Lakh - unique benefit for doctors
  • Rs.50 Lakh complimentary accidental death insurance
  • 50% bonus reward points on restaurant dining
  • Low annual fee of Rs.1,000 with easy spend-based waiver
  • Air miles conversion via KrisFlyer programme

Cons

  • No airport lounge access
  • Low base reward rate (2% effective at Rs.0.25 per point)
  • Reward points convertible only to KrisFlyer miles
  • Card sourcing has been discontinued for new applicants
Read full review
Best for: Teachers looking for a low-fee credit card with weekend bonus rewards, Teachers Day special benefits, and accidental death insurance coverage.
HDFC Teachers Platinum

HDFC Teachers Platinum

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.27 - ₹0.40/₹100

#83

Joining fee

₹500

#21

Interest rate

41.88%

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

Pros

  • Exclusive card for teachers with special Teachers Day bonus
  • 3X reward points on weekend spending
  • Free accidental death insurance up to Rs. 50 Lakhs
  • Low annual fee of Rs. 500 with waiver option
  • Up to 3 free add-on cards

Cons

  • Reward points expire in just 2 years
  • No lounge access benefits
  • High forex markup of 3.5%
  • Low base reward rate of 0.27%
  • No welcome bonus
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: Small business owners, freelancers, and self-employed professionals who spend on tax payments, business software, and travel.
HDFC Biz Grow

HDFC Biz Grow

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

Annual fee

₹500

#21

Rewards rate

₹0.33 - ₹3.33/₹100

#52

Joining fee

₹500

#21

Interest rate

43.20%

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

Pros

  • Low annual fee of Rs. 500 with easy waiver
  • 10X CashPoints on key business categories like tax, GST, software
  • Quarterly milestone of 2,000 CashPoints
  • Business insurance package available
  • 1% fuel surcharge waiver

Cons

  • No airport lounge access
  • Accelerated reward cap of 1,500 CashPoints per cycle is limiting
  • 3.5% forex markup is high
  • No complimentary concierge or travel benefits
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: 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: Budget-conscious users wanting a lifetime free card with air miles conversion and fuel benefits
HSBC Visa Platinum

HSBC Visa Platinum

4.1 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹4.00/₹100

#50

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Entry Level, Fuel, Lifetime Free, Rewards
View full details
CardNitty's take

Pros

  • Lifetime free - zero joining and annual fees
  • Air miles conversion to 14+ airline partners
  • Rs.250 fuel cashback per quarter on contactless payments
  • Visa Signature perks including Times Prime membership
  • 3-year reward point validity

Cons

  • No airport lounge access
  • High 3.5% forex markup
  • Many reward exclusion categories
  • Average base reward rate of 0.67%
Read full review
Best for: First-time credit card users, UPI payment enthusiasts, and those seeking a lifetime free card with basic rewards and international usability.
HSBC RuPay Platinum

HSBC RuPay Platinum

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹0.67/₹100

#86

Joining fee

FREE

Interest rate

45.00%

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

Pros

  • Lifetime free with no joining or annual fees
  • Earn 2 reward points per ₹150 spent
  • UPI payment integration with all major apps
  • International usage via JCB network in 160+ countries
  • Fuel surcharge waiver up to ₹3,000 annually
  • 48 days interest-free period
  • Contactless payments enabled

Cons

  • No lounge access (domestic or international)
  • No milestone benefits
  • Basic reward rate compared to premium cards
  • Limited to entry-level features
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: 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: 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: Beginners and everyday spenders who shop at grocery stores, departmental stores, restaurants, and movie theaters regularly.
SimplySAVE SBI Card

SimplySAVE SBI Card

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹1.67/₹100

#71

Joining fee

₹499

#10

Interest rate

45.00%

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

Pros

  • Affordable Rs. 499 annual fee with easy waiver on Rs. 1L spend
  • 10X reward points on 4 everyday categories (dining, movies, grocery, dept stores)
  • 1% fuel surcharge waiver on all petrol pumps
  • Free add-on cards for family members
  • Flexipay EMI conversion for purchases above Rs. 2,500
  • Available on Visa, Mastercard, and RuPay networks

Cons

  • No airport lounge access
  • No insurance coverage
  • Low base reward rate of 0.17% on non-accelerated spends
  • Redemption fee of Rs. 99 + GST on reward points
  • No reward points on fuel, rent, government, or wallet transactions
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

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