Credit cards with the lowest APR for revolving credit users, balance carriers, and EMI purchases.
282 cards ranked | Updated January 2026
Annual percentage rate
Interest-free days
Rate relative to fee
23.88% APR
23.88% APR
55.55% APR
45.00% APR
45.00% APR
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If you ever carry a balance or use EMI conversion, interest rate becomes the most important factor. A 40% APR can quickly negate all reward earnings.
Most Indian credit cards charge 24-42% APR. Finding lower rates can save thousands annually if you occasionally carry balances.
Lower APR = Better. We also consider:
In India, APRs typically range from 24-42%. Anything under 30% is competitive. Some bank-specific cards for existing customers offer rates as low as 12-18%.
Low interest rates matter most if you carry balances. For those paying in full monthly, rewards and benefits matter more than APR. Know your usage pattern before prioritizing interest rates.
