Find Your Perfect Credit Card

4 reward points per ₹150, a solid base earn rate

12X points on partner airlines & travel via HDFC SmartBuy

10X rewards on Amazon

₹500 Amazon Gift Card as welcome bonus

Unlimited complimentary domestic & international airport lounge access

25,000 EDGE Miles welcome bonus

Zero annual fee, genuinely lifetime free

5% cashback on Amazon for Prime members

5% cashback across 10 popular online platforms

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

No annual fee, genuinely lifetime free

Simple flat 2 PAYBACK points on every ₹100 spend

5% cashback on Google Pay, among the highest UPI cashback rates available

3% on utility bills: electricity, water, gas, and phone payments

0.99% forex markup, among the lowest available

16 complimentary international airport lounge visits/year via Priority Pass

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

Up to 10X reward points via HDFC SmartBuy platform

Unlimited complimentary international & domestic lounge access

Dedicated personal butler service & 24x7 Pinnacle concierge

Complimentary MakeMyTrip BLACK membership, with exclusive travel discounts

10X travel points on MakeMyTrip, Yatra & other travel portals

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

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

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

Strong combined fuel savings from reward points plus surcharge waivers

2X points on groceries and dining

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

4% cashback on Swiggy, Zomato and Ola

10% cashback on Swiggy Food, Instamart, Dineout and Genie

5% cashback across 1,000+ other online platforms including Amazon, Myntra and Nykaa

5% cashback on Flipkart orders

Cashback applied automatically to your statement, no manual redemption

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

10% cashback on electricity, gas and water bills, plus Swiggy, Zomato and BigBasket

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

Domestic and international airport lounge access included

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

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

Welcome bonus fully offsets the first-year joining fee

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

Instant discount and rewards on travel bookings at EaseMyTrip

No minimum booking value condition on flight and hotel discounts

Lifetime free, with zero joining or renewal fees

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

No joining fee

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

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

Zero forex markup on international transactions

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

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

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

Unlimited complimentary domestic airport lounge access

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

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

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

Ultra-low foreign currency markup fee of 1.49%

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

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

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

1% forex markup, among the lowest available

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

2% forex markup on international spends

1:1 redemption ratio when used for IndianOil fuel purchases

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

Up to 7.25% value back on BPCL fuel purchases

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

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 6.5% combined savings on HPCL fuel spends

Bonus rewards on groceries and utility bills

Up to 21 BluChips per ₹100 spent on IndiGo bookings

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

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)

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

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

0% forex markup on international spends

Unlimited complimentary airport lounge access worldwide

Up to 16.7% value back on travel bookings

0% forex markup on international spends

Up to 5% cashback on online shopping

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

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

RuPay variant available for UPI payments

2X reward points on weekend spending

Lifetime free, with no joining or annual fee

Lifetime free, with no onboarding or annual fee

10X reward points on dining, travel and international spends

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

12 domestic + 8 international lounge visits per year

Premium metal card design offering high status value

Zero foreign exchange markup fee applied on international spends

High-frequency reward potential offering up to 10X reward multipliers on everyday spends

Highly competitive, low foreign exchange markup fee optimized at just 1%

Up to 7% back in IndiGo BluChips

Up to 20,000 bonus rewards on activation

10% cashback on dining, food delivery, grocery, shopping & utility spends

Unlimited 1.5% cashback on all other eligible retail spends

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

Instant savings on food delivery platforms including Swiggy

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

Welcome bonus offsets the first-year fee

Discounts on movie tickets and food delivery apps

Complimentary domestic airport lounge access

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

10% cashback on dining, groceries and food delivery

1% cashback on UPI payments via the RuPay network

Lifetime free, with no ongoing annual fee

1.5% forex markup

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

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

1% cashback on offline retail transactions

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

0% foreign currency markup fee on international transactions

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 annual fees

RuPay network support for direct UPI payments

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

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

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

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

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

Earn up to 5% cashback on all eligible UPI transactions

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

Direct points transfer to partner airline and hotel loyalty programs

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)

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

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

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

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

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

5X CashPoints on EMI spends

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 major online merchants (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart)

5X CashPoints on EMI purchases

High 10% cashback on PhonePe app utility, recharge & travel bookings

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

5% cashback on PhonePe bill payments, recharges, and in-app transactions

1.5% cashback on general online shopping

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

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

1% transaction charges waiver on IRCTC website and ticketing portals

12 complimentary airport lounge visits worldwide (Domestic + International)

Buy 1 Get 1 free movie ticket offer on BookMyShow

Highest tier First Citizen Black membership status at Shoppers Stop

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

Customizable 5% cashback on 2 key merchants of your choice (Amazon, Flipkart, Zomato, Swiggy, Blinkit)

3% cashback on 1 dining or entertainment category of choice

Instant PayZapp app-based purchase-to-EMI conversion at attractive interest rates

Digital card issuance with customizable widget controls in PayZapp

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

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

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

4 reward points per ₹150 on foreign currency and travel transactions

Link card to BHIM, Google Pay, PhonePe, Paytm for RuPay UPI merchant QR payments

1.5% cashback on all UPI merchant transactions and online shopping

40,000 Reward Points welcome benefit on card activation

Unlimited international airport lounge access plus 4 domestic visits per quarter

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

Complimentary 1-year Netmeds Plus membership included

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

Up to 10% NeuCoins on select Tata Neu category purchases

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

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

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

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

4 domestic lounge visits/year with no minimum spend condition

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

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

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

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

8 domestic + 6 international lounge visits per year

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

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

No minimum spend condition for complimentary airport lounge access

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

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

Complimentary 2-year Priority Pass membership worth $99

5,000 Reward Points welcome gift on card activation

Complimentary Air India Flying Returns frequent flyer membership

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

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

8 domestic + 4 international lounge visits per year

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

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

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

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

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

Complimentary 1-year FITPASS PRO membership after joining fee payment

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

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

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

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

Unlimited complimentary domestic and international airport lounge access

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

3% Adani Reward Points on Adani One ecosystem spends

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

7% Adani Reward Points on Adani One ecosystem spends

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

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

Complimentary 1-year MMTBLACK Gold membership with zero cancellation fees

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

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

3 PAYBACK Points per ₹100 spent on all categories

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

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

Unlimited domestic and international lounge access for cardholder and guests

Golf privileges for the primary cardholder

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

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

8 railway lounge visits/year at select stations

Unlimited 3% cashback when shopping via the RBL Rewards Portal

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

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

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

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

20 points per ₹100 on international spends and weekend dining

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

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

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

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

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

₹500 welcome discount on BookMyShow bookings

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

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

2 Reward Points per ₹100 on all regular spends

5% cashback on food delivery, entertainment & groceries

3% cashback on fuel spends

6% 6E Rewards on IndiGo bookings

3% 6E Rewards on dining, movies & groceries

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

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

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

2% value-back on grocery and dining spends

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

5% savings on PVR movie tickets

Flat 3% Reward Points on every spend, domestic and international

Lifetime free virtual RuPay card usable for UPI and QR payments

Fuel surcharge waiver on corporate fuel spends

Railway surcharge waiver included

2 Reward Points per ₹100 on online spends

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

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

4 domestic lounge visits/year (1 per quarter)

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

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

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

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

5% cashback on fuel, telecom & utility bill payments

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

5% cashback on supermarket, grocery & department store purchases

5,000 Reward Points welcome bonus on joining

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

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

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

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

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

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

Zero forex markup fee on international transactions

2% cashback on online shopping spends

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

6 Reward Points per ₹200 on domestic online spends

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

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

8 complimentary domestic + international lounge visits/year

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 on dining, travel & international spends

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

10 Reward Points per ₹200 on dining and travel spends

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

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

4 domestic lounge visits/quarter via Visa Signature

2% flat cashback on all spends, including UPI transactions

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

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

5% cashback on online travel bookings

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

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