Find Your Perfect Credit Card

Lifetime free with no spend conditions

Zero forex markup on international spends

Up to 3% back on online shopping when points are redeemed for flights and hotels

2% forex markup, lower than the 3.5% most cards charge

Lifetime free, with no joining or annual fee

Switch on only the benefits you want, from accelerated rewards to category cashback, lounge visits and memberships

10X Reward Points on dining, movies, departmental stores and grocery

2,000 bonus Reward Points (worth ₹500) for spending ₹2,000 in the first 60 days, which covers the joining fee

3% cashback on UPI QR payments made through the super.money app

1% unlimited cashback on all other UPI and non-UPI spends

12% rewards on Amazon, Flipkart, Zomato & BigBasket via the CheQ app

5% rewards across 10,000+ brands for online shopping, travel, food delivery & grocery

10% cashback on online shopping across Amazon, Flipkart, Myntra, Ajio & Nykaa

5% cashback on online travel bookings

2% flat cashback on all spends, including UPI transactions

"Slice in 3" splits eligible spends of ₹2,000+ into 3 interest-free EMIs

1% cashback on your top 2 spend categories, auto-detected by the app

4 domestic lounge visits/quarter via Visa Signature

10 Reward Points per ₹200 on dining and travel spends

4 railway lounge visits per quarter on ₹20,000 monthly spend

10 Reward Points per ₹200 on dining, travel & international spends

Up to 20% dining discount at 1,500+ partner restaurants

10 Reward Points per ₹200 on dining, travel & international spends

1 domestic lounge visit/quarter plus 4 railway lounge visits/quarter

10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend

8 complimentary domestic + international lounge visits/year

6 Reward Points per ₹200 on domestic online spends

Up to 45 interest-free days plus EMI conversion on purchases above ₹1,500

Up to 10% value-back on hotel bookings, 6.6% on flights via the IDFC FIRST app

2 domestic + 2 international lounge visits per quarter, plus 4 railway lounge visits

Zero forex markup fee on international transactions

2% cashback on online shopping spends

₹20,000 Taj Experiences e-Gift Card on ₹7 Lakh annual spend

8 domestic lounge visits/year (conditional on ₹1 lakh spend in the preceding quarter, effective Oct 2026) plus a complimentary Priority Pass membership

2 complimentary golf rounds/month at 32 premium courses (up to 24/year) on ₹50,000 monthly spend

12 domestic lounge visits/year plus a complimentary Priority Pass membership worth $99

2,000 bonus Membership Rewards Points on crossing ₹20,000 in monthly spend

1,000 points for 4+ transactions of ₹1,500 or more in a month

10X Membership Rewards Points on Flipkart & Uber, 5X on Amazon

Also earns 10X points on Zomato, EaseMyTrip, Myntra, PVR, BookMyShow, Ajio, Nykaa & BlinkIt

20% off at Myntra, up to ₹700, once a month

10% off at Zomato, up to ₹150/transaction, 5 times a month

5% cashback on supermarket, grocery & department store purchases

5,000 Reward Points welcome bonus on joining

5% cashback on fuel, telecom & utility bill payments

100% cashback up to ₹1,500 on fuel transactions within the first 90 days

5 Reward Points per ₹150 on hotels, restaurants & fuel, with no monthly cap

Complimentary Priority Pass membership covering 1,200+ airport lounges worldwide

2% cashback on all online spends, capped at ₹1,000/month

Low-interest EMI conversion at 0.99%/month with zero processing fee

4 Reward Points per ₹150 on all retail spends, doubling above ₹20,000 monthly spend

4 domestic lounge visits/year (1 per quarter)

2 Reward Points per ₹100 on online spends (redemption value cut from ₹0.25 to ₹0.10/point, effective Jun 2025)

1% fuel surcharge waiver, capped at ₹3,500/year

Fuel surcharge waiver on corporate fuel spends

Railway surcharge waiver included

Lifetime free virtual RuPay card that works on UPI

Earns reward points on UPI payments, which many cards exclude

Free ₹300 movie ticket for every ₹10,000 spent in a month, uncapped

5% savings on PVR movie tickets

Up to 5% total value-back on IndianOil fuel (4% rewards + 1% surcharge waiver)

2% value-back on grocery and dining spends

1,000 Air Miles welcome bonus, plus 1,000 more on each renewal

3 Air Miles per ₹100 on flights & hotels via Kotak Unbox

6% BluChips on IndiGo bookings (rebranded from 6E Rewards)

3% BluChips on dining, movies & groceries

5% cashback on food delivery, entertainment & groceries

3% cashback on fuel spends

8 domestic lounge visits/year (2/quarter) on ₹15,000 quarterly spend

2 Reward Points per ₹100 on all regular spends

Choose a reward plan (Home, Shop, Travel or Party) matched to your spending pattern

Up to 8X Reward Points in your chosen category, redeemable at ₹0.40/point

2 free movie/event tickets every month on ₹5,000 monthly spend

₹500 welcome discount on BookMyShow bookings

10% cashback (up to ₹300/month/brand) on Myntra, Uber & Zomato

₹1,000 welcome voucher redeemable at Croma, Amazon, Myntra & Flipkart

10 Reward Points per ₹100 on dining, entertainment, utilities & international spends

8,000-10,000 Reward Points welcome bonus on annual fee payment

20,000 Reward Points (worth ₹5,000) welcome bonus

20 points per ₹100 on international spends and weekend dining

Unlimited 4% cashback on Flights, Hotels & Shop via the RBL Rewards Portal

2 domestic lounge visits/quarter + 2 international visits/year via Priority Pass

Unlimited 3% cashback when shopping via the RBL Rewards Portal

Extra cashback up to ₹4,500 on ₹5 Lakh+ annual spends

5 Reward Points per ₹200 on IRCTC train bookings plus a 1% transaction charge waiver

8 railway lounge visits/year at select stations

12 domestic + 12 international lounge visits per year, plus 4 guest visits

Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee

Unlimited domestic and international lounge access for cardholder and guests

Golf privileges for the primary cardholder

₹1,500 MMT MyCash bonus on joining, plus complimentary MMTBLACK Gold membership

Extra myCash on MakeMyTrip hotel and flight bookings, plus MMTBLACK Platinum membership

Customizable card design from 175+ options across Zodiac, Sports & Travel themes

3 PAYBACK Points per ₹100 spent on all categories

Up to 3.5% total savings on HPCL fuel (cashback + surcharge waiver)

25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month

6% myCash on MMT hotel bookings, 3% on flights/holidays/cabs/bus

Complimentary 1-year MMTBLACK Gold membership with zero cancellation fees

7% Adani Reward Points on Adani One ecosystem spends

4 domestic lounge visits/quarter plus 2 international visits/year via Priority Pass

3% Adani Reward Points on Adani One ecosystem spends

8 domestic lounge visits/year plus porter services & car parking at Adani airports

Unlimited complimentary domestic and international airport lounge access

Complimentary golf round/lesson per ₹50,000 monthly spend, up to 4/month

Dual card: linked Mastercard/Amex or Visa/RuPay pair on one account

1 golf round per ₹50,000 monthly spend, up to 2 rounds/month

15%+ dining discount at 2,500+ Culinary Treats partner restaurants

25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month

Complimentary golf: 1 round per ₹50,000 monthly spend, up to 48 rounds/year

4 domestic lounge visits/quarter + 2 international visits/year

Up to 25% cashback on Apollo 24|7 medicine purchases via Apollo Circle integration

Complimentary 1-year FITPASS PRO membership after joining fee payment

RuPay variant links directly to UPI for credit-on-UPI payments

Stars redeem 1:1 for cashback, avoiding confusing point-conversion math

₹20 Lakh professional indemnity insurance, unmatched by other Indian credit cards

5X reward points on all transactions made on Doctor's Day (July 1)

Up to 7.5% cashback at World of Titan, Fastrack, Helios & Skinn stores

8 domestic + 4 international lounge visits per year

Complimentary Air India Flying Returns membership on fee payment within 15 days

8 domestic lounge visits/year plus Priority Pass access to 600+ lounges worldwide

5,000 Reward Points welcome gift on card activation

Complimentary Air India Flying Returns frequent flyer membership

8 domestic lounge visits/year, with up to 8 more unlockable via spend milestones

Complimentary 2-year Priority Pass membership worth $99

No minimum spend condition for complimentary airport lounge access

1 extra domestic lounge visit per ₹1 Lakh spent, capped at 12 extra visits/year

Up to 3X BluChips value-back on IndiGo ticket bookings

4 domestic lounge visits/year on ₹50,000 spend in the preceding quarter

4 complimentary 6E Prime Passes on ₹1 Lakh spend within 90 days of issuance

8 domestic + 6 international lounge visits per year

2.5% value-back on Reliance Retail, AJIO, Trends & JioMart purchases

Low ₹499 fee with an easily reachable ₹1 Lakh waiver threshold

Discount vouchers worth up to ₹11,999, including a ₹8,750 milestone voucher on ₹3 Lakh spends

8 domestic + 4 international lounge visits/year with no spend condition

₹1,500 PhonePe gift voucher on joining fee payment, more than offsetting the fee

4 domestic lounge visits/year with no minimum spend condition

₹500 welcome gift card that offsets the year-one fee

Yatra voucher worth ₹3,000 on ₹3 Lakh annual spends

Up to 10% NeuCoins on select Tata Neu category purchases

8 domestic lounge visits/year plus a complimentary Priority Pass membership

Up to 7% value-back on select Tata Neu ecosystem brands like Tata 1mg, BigBasket & Croma

499 bonus NeuCoins on joining, offsetting the fee in year one

Complimentary 1-year FITPASS PRO membership with up to 12 fitness sessions/month

Complimentary 1-year Netmeds Plus membership included

40,000 Reward Points welcome benefit on card activation

Unlimited international airport lounge access plus 4 domestic visits per quarter

Lifetime free — no joining fee, no annual fee

2 reward points per ₹150 spent, instantly convertible to airline miles and hotel loyalty points

Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)

4 reward points per ₹100 on flights, travel aggregators and foreign currency

Lifetime free credit card with ₹0 joining fee and ₹0 annual fee

5X reward points on spending above ₹4,000,000 milestone

5% cashback on HDFC SmartBuy bookings, capped at 500 points/month

Digital card issuance with customizable widget controls in PayZapp

5% cashback on 2 chosen merchant packs, capped at 500 points/month

3% cashback on 1 chosen e-commerce merchant like Amazon or Flipkart, capped at 500 points/month

Highest tier First Citizen Black membership status at Shoppers Stop

20 First Citizen Points per ₹200 spent on Shoppers Stop private brand products

12 complimentary airport lounge visits worldwide (Domestic + International)

Buy 1 Get 1 free movie ticket offer on BookMyShow

5 CashPoints per ₹100 spent on train ticket bookings via IRCTC app/website

1% transaction charges waiver on IRCTC website and ticketing portals

1 Complimentary Free Night Award annually (valid up to 15,000 Bonvoy points)

Automatic Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits per year

2% Reward Points on PhonePe recharges, bills, travel & Pincode spends, capped at 500 RP/month

1% Reward Points on select online platforms like Amazon, Flipkart & Swiggy

10% Reward Points on PhonePe recharges, bills, travel & Pincode spends, capped at 1,000 RP/month

8 complimentary domestic airport lounge visits/year (2 per quarter, on ₹75,000 quarterly spend)

10X CashPoints on major online merchants (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart)

5X CashPoints on EMI purchases

Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)

10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)

10X CashPoints on popular merchant partners (Swiggy, Uber, BigBasket, BookMyShow)

5X CashPoints on EMI spends

Earn up to 50 Liters of free fuel annually via Fuel Points

5% Fuel Points at IndianOil outlets, groceries, and utility bills

100% Lifetime Free credit card with zero joining and annual fees

Earn up to 5% cashback on all eligible UPI transactions

100% Lifetime Free credit card with zero joining and annual fees

2 Reward Points per ₹100 spent on LIC insurance premium payments and international transactions

Lifetime Free Virtual Card option available with ZERO joining and annual fees

Up to 37.5% Salary Day Bonus Rewards on 1st & last day of the month via SalarySe UPI

100% Lifetime Free credit card with zero joining and annual fees

Accelerated 20 Reward Points per ₹100 spent on grocery purchases (5% value back)

100% Lifetime Free credit card with zero joining and annual fees

RuPay network support for direct UPI payments

100% Lifetime Free travel credit card with zero joining and annual fees

Absolute 0% foreign exchange transaction markup fee on international expenditures

100% Lifetime Free credit card with zero joining and zero renewal fees

0% foreign currency markup fee on international transactions

Flat 5% cashback on eligible online purchases across e-commerce platforms

1% cashback on offline retail transactions

Earn CashPoints on both regular and UPI payments made via BHIM, Paytm, PhonePe, Google Pay, etc.

3% CashPoints on grocery, supermarket, dining, and PayZapp spends

Lifetime free, with no ongoing annual fee

1.5% forex markup

10% cashback on dining, groceries and food delivery

1% cashback on UPI payments via the RuPay network

Up to 10% value-back on IRCTC train ticket bookings, plus a 1% transaction charge waiver

Discounts on movie tickets and food delivery apps

Complimentary domestic airport lounge access

Up to 7% cashback on monthly online spends above ₹40,000

Welcome bonus offsets the first-year fee

10X EDGE Points on apparel & department store purchases, capped at ₹7,000 spend/month

Instant savings on food delivery platforms including Swiggy

10% cashback on dining, food delivery, grocery, utility & shopping spends (shopping category excludes Amazon, Flipkart & Myntra)

Unlimited 1.5% cashback on all other eligible retail spends

10 EDGE reward points per ₹200 spent on all retail transactions

Double reward points (20 EDGE points per ₹200) on domestic & international travel

Up to 7% back in IndiGo BluChips

Up to 20,000 bonus rewards on activation

Up to 10X reward points on eligible spends above ₹20,000/month

Zero forex markup since 18 September 2026

Premium metal card design offering high status value

Zero foreign exchange markup fee applied on international spends

6 Etihad Guest Miles per ₹100 on direct etihad.com bookings

12 domestic + 8 international lounge visits per year

Lifetime free, with no onboarding or annual fee

10X reward points on dining, travel and international spends

2X reward points on weekend spending

Lifetime free, with no joining or annual fee

Lifetime Free credit card with zero joining and zero annual maintenance charges

RuPay variant available for UPI payments

Up to 5% cashback on online shopping

Up to 6% back on travel bookings made through the IDFC FIRST app

Up to 16.7% value-back on hotel bookings and strong value on flights, both via the IDFC FIRST app

0% forex markup on international spends

0% forex markup on international spends

Unlimited complimentary airport lounge access worldwide

Unlimited complimentary domestic and international lounge access for primary & add-on cardholders + 12 guest visits/year

50,000 EDGE reward points welcome benefit (worth up to ₹20,000+ on travel transfer)

Welcome brand vouchers fully offset the upfront first-year joining fee barrier

Excellent complimentary movie ticket benefit worth ₹6,000 every year via BookMyShow

Welcome gift voucher entirely offsets the upfront first-year joining fee barrier

Strong 10X reward points multiplier across major daily spending verticals (dining, groceries, movies, and departmental stores)

Up to 21 BluChips per ₹100 spent on IndiGo bookings

Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones

5% savings on HPCL fuel spends (30 points per ₹150), capped at 2,400 points per statement cycle

Bonus rewards on groceries and utility bills

Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)

2.5% back on groceries, utilities and department stores

Up to 7.25% value back on BPCL fuel purchases

10X points on groceries, department stores, dining and movies

1:1 redemption ratio when used for IndianOil fuel purchases

Points transfer to 15+ airline and hotel partners at a 2:1 ratio

5 reward points per ₹150 spent, a 3.33% return rate across all categories

2% forex markup on international spends

36 reward points per ₹200 on online spends, one of the higher online earn rates available

1% forex markup, among the lowest available

Unmatched 33.33% value-back yield on travel bookings via Travel & Shop

True 1:1 reward currency parity redemption ratio against flights and hotels

High-value milestone rewards including luxury resort stays fully offsetting the annual fee

Ultra-low foreign currency markup fee of 1.49%

0.99% forex markup, among the lowest available on any Indian credit card

1:1 point transfer to a wide range of global airline and hotel partners

Unlimited complimentary domestic airport lounge access

15 reward points per ₹100 on dining, travel and international spends

Choice of a substantial welcome bonus: EDGE Miles or an ITC Hotels e-gift card

Airport meet-and-assist and luxury vehicle transfer services included

Fee waived on a low ₹50,000 annual spend threshold

8X Reward Points per ₹150 on special categories (airlines, travel, electronics, departmental stores)

10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles

Zero forex markup on international transactions

No joining fee

Same IndiGo flight reward rates as the unsecured version of this card

Lifetime free, with zero joining or renewal fees

Direct discounts on flight, hotel and bus bookings made through Ixigo

Instant discount and rewards on travel bookings at EaseMyTrip

No minimum booking value condition on flight and hotel discounts

Points transfer at 5:4 to 20+ airline and hotel partners (5:2 for Lotusmiles, Finnair Plus & British Airways Club)

Unlimited complimentary domestic and international lounge access for primary and add-on cardholders, plus guests

Up to 10% value back on Tata Neu, BigBasket, Croma, and other Tata brand purchases

Welcome bonus fully offsets the first-year joining fee

Uncapped, accelerating reward points with 1:1 transfers to airline and hotel partners

0.75% monthly interest rate, among the lowest of any Indian credit card

Deep integration with Taj, SeleQtions and Vivanta properties, including room upgrades and stay discounts

Domestic and international airport lounge access included

25% cashback on Airtel Mobile, Broadband, Wi-Fi and DTH recharges through the Airtel Thanks app

10% value-back on Zomato, Blinkit and District Movies as partner-wallet credit (Swiggy and BigBasket removed, effective Apr 2026)

5% cashback on Flipkart and 7.5% on Myntra

Cashback applied automatically to your statement, no manual redemption

10% cashback on Swiggy Food, Instamart and Dineout orders above ₹249

5% cashback on Cleartrip flights & hotels (capped ₹1,500/cycle) plus 5% across 1,000+ other online platforms

5% cashback on mobile recharges, electricity, internet and other utilities via Google Pay

4% cashback on Swiggy, Zomato and Ola

Strong combined fuel savings from reward points plus surcharge waivers

2X points on groceries and dining

7.5% cashback on Myntra, capped at ₹4,000 per quarter

5% cashback on Flipkart and Cleartrip, capped at ₹4,000 per quarter each

Unlimited complimentary domestic and international airport lounge access, including a generous guest allowance

6 Reward Points per ₹200 spent (3% base rate) on all standard categories

Complimentary MakeMyTrip BLACK membership, with exclusive travel discounts

5 reward points per ₹100 on travel bookings

Domestic lounge access conditional on ₹1.5 lakh spend in the preceding quarter (1 visit unlocked per quarter, effective Apr 2026); international capped at 1 visit/quarter via Priority Pass

Dedicated personal butler service & 24x7 Pinnacle concierge

Unlimited complimentary airport lounge visits worldwide (primary + add-on)

Up to 10X reward points via HDFC SmartBuy platform

0.99% forex markup, among the lowest available

16 complimentary international airport lounge visits/year via Priority Pass

8 reward points per ₹200 on online shopping

Low ₹499 fee, reversed on ₹5,000 spend in the first month and ₹50,000 a year after

No annual fee, genuinely lifetime free

Simple flat 2 PAYBACK points on every ₹100 spend

5 EDGE Horizon points per ₹100 spent on flight and hotel bookings

Direct points transfer to partner airline and hotel loyalty programs

1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)

5 EDGE Miles per ₹100 spent on flight & hotel bookings

5% cashback across 10 popular online platforms

Covers Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow & more

Zero annual fee, genuinely lifetime free

5% cashback on Amazon for Prime members

Unlimited complimentary domestic & international airport lounge access

25,000 EDGE Miles welcome bonus

10X rewards at partners like Myntra, Swiggy, Tata CLiQ and BookMyShow

₹500 Amazon Gift Card as welcome bonus

5 reward points per ₹200 retail (revised May 2026)

12X points on partner airlines & travel via HDFC SmartBuy