Best Credit Cards with Airport Lounge Access (2026)

Key Advantages

• ✓ 4 reward points per ₹150, a solid base earn rate
• ✓ 12X points on partner airlines & travel via HDFC SmartBuy
• ✓ 3 domestic lounge visits/quarter (conditional on ₹60,000 quarterly spend)
• ✓ Annual fee waived on ₹4 lakh annual spends, achievable for most cardholders
• ✓ Travel insurance up to ₹1 crore air accident cover

Key Advantages

• ✓ Unlimited complimentary domestic & international airport lounge access
• ✓ 25,000 EDGE Miles welcome bonus
• ✓ 35 EDGE Miles per ₹200 on travel bookings
• ✓ 1 EDGE Mile converts to 2 airline miles on transfer
• ✓ 8 complimentary golf rounds per year globally

Key Advantages

• ✓ 5% cashback across 10 popular online platforms
• ✓ Covers Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow & more
• ✓ 2.5% cashback on all other online transactions
• ✓ 1 domestic lounge visit (or ₹1,000 gift voucher) per quarter on ₹1L spend
• ✓ Straightforward cashback, credited directly as statement credit

Key Advantages

• ✓ 5% cashback on Google Pay, among the highest UPI cashback rates available
• ✓ 3% on utility bills: electricity, water, gas, and phone payments
• ✓ One of the lowest regular APRs at 2.99%/month
• ✓ Low ₹499 annual fee (waived on ₹1.5 Lakh spend)
• ✓ 4 complimentary domestic airport lounge visits/year

Key Advantages

• ✓ 0.99% forex markup, among the lowest available
• ✓ 16 complimentary international airport lounge visits/year via Priority Pass
• ✓ Buy 1 Get 1 Free movie tickets via BookMyShow (up to 16/year)
• ✓ Air accident cover up to ₹2 Crore
• ✓ Complimentary golf games & lessons (8/year)

Key Advantages

• ✓ Unlimited complimentary airport lounge visits worldwide (primary + add-on)
• ✓ Up to 10X reward points via HDFC SmartBuy platform
• ✓ 6 complimentary golf games every quarter globally (24/year)
• ✓ 1 point equals ₹1 when redeemed for air miles or hotel bookings, among the best redemption rates available
• ✓ Complimentary Club Marriott, Amazon Prime & Swiggy One membership

Key Advantages

• ✓ Unlimited complimentary international & domestic lounge access
• ✓ Dedicated personal butler service & 24x7 Pinnacle concierge
• ✓ Golf membership & unlimited rounds at 9 premium courses in India
• ✓ Exclusive Pinnacle experiences, including luxury hotel upgrades and chef's table access
• ✓ Travel insurance up to ₹2 crore air accident cover

Key Advantages

• ✓ Complimentary MakeMyTrip BLACK membership, with exclusive travel discounts
• ✓ 10X travel points on MakeMyTrip, Yatra & other travel portals
• ✓ 6 complimentary domestic airport lounge visits/year
• ✓ 2 complimentary international lounge visits/year via Priority Pass
• ✓ Dedicated travel concierge assistance

Key Advantages

• ✓ 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
• ✓ 2% forex markup on international spends, lower than most premium cards
• ✓ 1.99% monthly interest rate if you carry a balance, competitive for this card tier
• ✓ Dedicated concierge service for travel and lifestyle bookings

Key Advantages

• ✓ 7.5% cashback on Myntra, capped at ₹4,000 per quarter
• ✓ 5% cashback on Flipkart and Cleartrip, capped at ₹4,000 per quarter each
• ✓ 4% cashback on Swiggy, Uber, PVR and Cult.fit

Key Advantages

• ✓ Strong combined fuel savings from reward points plus surcharge waivers
• ✓ 2X points on groceries and dining
• ✓ An achievable annual spend target to waive the fee entirely

Key Advantages

• ✓ 10% cashback on Swiggy Food, Instamart, Dineout and Genie
• ✓ 5% cashback across 1,000+ other online platforms including Amazon, Myntra and Nykaa
• ✓ Cashback credited directly to your Swiggy Money wallet

Key Advantages

• ✓ 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
• ✓ 4 complimentary domestic lounge visits per year across India

Key Advantages

• ✓ Deep integration with Taj, SeleQtions and Vivanta properties, including room upgrades and stay discounts
• ✓ Domestic and international airport lounge access included
• ✓ Accelerated point earning on Taj Group hotel bookings

Key Advantages

• ✓ 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
• ✓ Unlimited complimentary domestic and international lounge access for cardholder and guests

Key Advantages

• ✓ Up to 10% value back on Tata Neu, BigBasket, Croma, and other Tata brand purchases
• ✓ Welcome bonus fully offsets the first-year joining fee
• ✓ 1.5% value back on day-to-day UPI transactions via RuPay variant
• ✓ 2 domestic + 1 international lounge visit per quarter, on ₹50,000 spend in the preceding quarter
• ✓ Low foreign currency markup fee of 2%

Key Advantages

• ✓ 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
• ✓ Zero forex markup on international spends

Key Advantages

• ✓ Instant discount and rewards on travel bookings at EaseMyTrip
• ✓ No minimum booking value condition on flight and hotel discounts
• ✓ Accelerated reward points on travel spends made directly on standalone brand websites other than EaseMyTrip
• ✓ No capping on the earned reward points
• ✓ Complimentary domestic lounge access at an exceptionally low annual fee threshold

Key Advantages

• ✓ Lifetime free, with zero joining or renewal fees
• ✓ Direct discounts on flight, hotel and bus bookings made through Ixigo
• ✓ Highly competitive base reward rate covering generalized online transactions
• ✓ 8 domestic airport lounge visits and 8 railway lounge visits a year

Key Advantages

• ✓ 10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles
• ✓ Zero forex markup on international transactions
• ✓ Unlimited domestic lounge access via DreamFolks and unlimited international access via Priority Pass, for primary and add-on cardholders
• ✓ Discounted stays and free nights at ITC Hotels, Elivaas Villas and Alaya Stays

Key Advantages

• ✓ Fee waived on a low ₹50,000 annual spend threshold
• ✓ 8X Reward Points per ₹150 on special categories (airlines, travel, electronics, departmental stores)
• ✓ Milestone offer: 4 free PVR movie tickets or 10,000 Reward Points every 6 months on ₹1.25 Lakh spends
• ✓ 1% fuel surcharge waiver and railway booking surcharge waiver
• ✓ Zero lost card liability protection up to ₹1,25,000

Key Advantages

• ✓ 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
• ✓ Generous guest allowance for lounge visits
• ✓ Zero forex markup on international spends
• ✓ Companion airfare offers on select bookings

Key Advantages

• ✓ Unlimited complimentary domestic airport lounge access
• ✓ 15 reward points per ₹100 on dining, travel and international spends
• ✓ 2% forex markup on overseas transactions, better than most cards at this fee
• ✓ Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
• ✓ Preventive health checkup package for women cardholders

Key Advantages

• ✓ 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 and international lounge access, plus 8 guest visits a year
• ✓ 12X points on hotel bookings and 6X on flights through HSBC's Rewards Marketplace

Key Advantages

• ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
• ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
• ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
• ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
• ✓ Trip cancellation insurance included at no extra cost

Key Advantages

• ✓ 36 reward points per ₹200 on online spends, one of the higher online earn rates available
• ✓ 1% forex markup, among the lowest available
• ✓ Points redeemable across airlines and a range of luxury vouchers
• ✓ Allows a generous allocation of up to 3 separate complimentary add-on cards

Key Advantages

• ✓ 5 reward points per ₹150 spent, a 3.33% return rate across all categories
• ✓ 2% forex markup on international spends
• ✓ Complimentary golf games and coaching sessions
• ✓ Welcome benefits worth roughly ₹5,000, close to offsetting the joining fee

Key Advantages

• ✓ 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 30% discount on Zomato
• ✓ Fee waived on ₹1 lakh in annual spend

Key Advantages

• ✓ Up to 7.25% value back on BPCL fuel purchases
• ✓ 10X points on groceries, department stores, dining and movies
• ✓ Domestic airport lounge access included
• ✓ Points redeem directly for BPCL fuel

Key Advantages

• ✓ Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)
• ✓ 2.5% back on groceries, utilities and department stores
• ✓ Welcome bonus offsets the joining fee
• ✓ Fee waived on ₹1.5 lakh in annual spend
• ✓ Includes complimentary domestic airport lounge access

Key Advantages

• ✓ Up to 6.5% combined savings on HPCL fuel spends
• ✓ Bonus rewards on groceries and utility bills
• ✓ Rewards on FASTag toll recharges too
• ✓ Domestic airport lounge access included
• ✓ Low cash conversion reward redemption parity threshold

Key Advantages

• ✓ Up to 21 BluChips per ₹100 spent on IndiGo bookings
• ✓ Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones
• ✓ Up to 8 domestic lounge visits a year with achievable quarterly targets

Key Advantages

• ✓ 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)
• ✓ Domestic and international airport lounge access, including companion entry
• ✓ Highly valuable milestone achievement rewards up to ₹14,500 per year
• ✓ Low cash conversion reward redemption parity threshold

Key Advantages

• ✓ Welcome brand vouchers fully offset the upfront first-year joining fee barrier
• ✓ Excellent complimentary movie ticket benefit worth ₹6,000 every year via BookMyShow
• ✓ Airport lounge access covering both domestic and international terminals
• ✓ Competitive low foreign currency exchange transaction markup fee of 1.99%

Key Advantages

• ✓ 0% forex markup on international spends
• ✓ Unlimited complimentary airport lounge access worldwide
• ✓ 3X reward points on dining and travel
• ✓ Issued as a metal card

Key Advantages

• ✓ Lifetime Free credit card with zero joining and zero annual maintenance charges
• ✓ RuPay variant available for UPI payments
• ✓ 100% cashback up to ₹300 on first utility bill payment made via Paytm
• ✓ Instant discounts up to 40% on Zomato, Blinkit, BookMyShow, Myntra, and Paytm
• ✓ Minimum 15% discount on dining out at partner restaurants via Axis Dining Delights

Key Advantages

• ✓ 2X reward points on weekend spending
• ✓ Lifetime free, with no joining or annual fee
• ✓ Competitive low foreign currency markup handling fee of 1.8%
• ✓ 1:1 points transfer to airline miles, and points never expire
• ✓ Earns rewards on typically excluded baseline bills like rent, utility, and insurance premium payments

Key Advantages

• ✓ Lifetime free, with no onboarding or annual fee
• ✓ 10X reward points on dining, travel and international spends
• ✓ 1.5% forex markup
• ✓ Earns points on categories many cards exclude, like rent, education, utilities and insurance
• ✓ Lounge access, spa visits and golf rounds included

Key Advantages

• ✓ 6 Etihad Guest Miles per ₹100 on direct etihad.com bookings
• ✓ 12 domestic + 8 international lounge visits per year
• ✓ Milestone bonuses: 1,000 Miles at ₹50K/month, 2,000 at ₹1.5L/quarter, 12,000 at ₹6L/year

Key Advantages

• ✓ Premium metal card design offering high status value
• ✓ Zero foreign exchange markup fee applied on international spends
• ✓ Generous international airport lounge policy providing 16 complimentary visits per year
• ✓ Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold

Key Advantages

• ✓ High-frequency reward potential offering up to 10X reward multipliers on everyday spends
• ✓ Highly competitive, low foreign exchange markup fee optimized at just 1%
• ✓ Generous domestic travel integration providing up to 16 complimentary lounge visits per year

Key Advantages

• ✓ Up to 7% back in IndiGo BluChips
• ✓ Up to 20,000 bonus rewards on activation
• ✓ Complimentary airport lounge access included

Key Advantages

• ✓ 10X EDGE Points on apparel & department store purchases, capped at ₹7,000 spend/month
• ✓ Instant savings on food delivery platforms including Swiggy
• ✓ Complimentary airport lounge access included
• ✓ Dining discounts at partner restaurants

Key Advantages

• ✓ Discounts on movie tickets and food delivery apps
• ✓ Complimentary domestic airport lounge access

Key Advantages

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

Key Advantages

• ✓ 10% cashback on dining, groceries and food delivery
• ✓ 1% cashback on UPI payments via the RuPay network
• ✓ Zero foreign exchange transaction markup fees until 30 June 2026
• ✓ Cashback credited directly to your statement, no point conversion needed
• ✓ Fee waived on ₹2 lakh in annual spend

Key Advantages

• ✓ Lifetime free, with no ongoing annual fee
• ✓ 1.5% forex markup
• ✓ Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
• ✓ Domestic and international lounge access, plus seasonal golf access
• ✓ Points convert to airline miles at up to a 1:1 ratio

Key Advantages

• ✓ 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
• ✓ 2% CashPoints on utility payments
• ✓ Issued digitally as a virtual card without physical card maintenance hassles
• ✓ Low annual fee of ₹99 with easily reachable spend waiver of ₹25,000

Key Advantages

• ✓ Flat 5% cashback on eligible online purchases across e-commerce platforms
• ✓ 1% cashback on offline retail transactions
• ✓ Auto-credited statement balance cashback without manual redemption steps or fees
• ✓ Generous monthly cashback cap of up to ₹4,000 per statement cycle
• ✓ Annual renewal fee waived on reaching ₹2 Lakh in annual spends

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and zero renewal fees
• ✓ 0% foreign currency markup fee on international transactions
• ✓ Instant 100% credit limit issuance against your IDFC FIRST Bank Fixed Deposit (Min ₹20,000)
• ✓ Earn 4 Reward Points per ₹200 spent with lifetime validity and no expiration
• ✓ No income proof or credit score documentation required for approval

Key Advantages

• ✓ 100% Lifetime Free travel credit card with zero joining and annual fees
• ✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
• ✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
• ✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
• ✓ RuPay credit card variant available with native UPI payment support

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and annual fees
• ✓ RuPay network support for direct UPI payments
• ✓ Generous welcome package worth ₹5,000 across Zomato, Cleartrip, Blinkit, Cult.sport & Rapido
• ✓ Accelerated 10 POPcoins per ₹100 spent online and 5% POPcoins on POP UPI app transactions
• ✓ Quarterly milestone bonus of 1,500 POPcoins on crossing ₹1.5 Lakhs in spends

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and annual fees
• ✓ Accelerated 20 Reward Points per ₹100 spent on grocery purchases (5% value back)
• ✓ Welcome benefit of 2,000 Reward Points on first transaction within 30 days
• ✓ 10% discount on movie tickets via BookMyShow up to 15 times per year
• ✓ RuPay variant available for convenient UPI payments

Key Advantages

• ✓ 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
• ✓ Low 1% foreign currency markup fee on international spends
• ✓ Earn up to 10X rewards on daily UPI QR payments using RuPay credit card integration
• ✓ 1 complimentary domestic airport lounge access per month on ₹10,000 previous billing cycle spend

Key Advantages

• ✓ 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
• ✓ 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year)
• ✓ Extensive complimentary insurance package: ₹1 Crore air accident cover, ₹5 Lakh personal accident cover & ₹1 Lakh purchase protection
• ✓ Zero liability protection against lost/stolen cards up to ₹5 Lakh

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and annual fees
• ✓ Earn up to 5% cashback on all eligible UPI transactions
• ✓ Native RuPay credit card integration directly linked to Kiwi UPI App
• ✓ Direct cashback redemption as statement credit balance (1 Kiwi = ₹0.25)
• ✓ Domestic airport lounge access available via Neon spend milestones

Key Advantages

• ✓ 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
• ✓ Tiered privileges (Silver, Gold, Platinum) with milestone bonus miles up to 10,000 miles
• ✓ Complimentary domestic & international airport lounge visits
• ✓ Flexible redemption directly on airline/hotel loyalty programs

Key Advantages

• ✓ 5 EDGE Horizon points per ₹100 spent on flight and hotel bookings
• ✓ Direct points transfer to partner airline and hotel loyalty programs
• ✓ 8 complimentary domestic airport lounge access visits per year
• ✓ Annual fee waiver on achieving ₹3.5 Lakh retail spend milestone

Key Advantages

• ✓ 10 EDGE reward points per ₹200 spent on all retail transactions
• ✓ Double reward points (20 EDGE points per ₹200) on domestic & international travel
• ✓ ₹5,000 worth of shopping vouchers on card activation & milestone completion
• ✓ 2 complimentary domestic airport lounge access visits per quarter
• ✓ Annual fee waiver on ₹2.5 Lakh annual spends

Key Advantages

• ✓ 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)
• ✓ Unlimited complimentary lounge access worldwide for primary & add-on cardholders
• ✓ Complimentary Club Marriott membership and golf games globally
• ✓ Low foreign currency markup fee of 2% + Taxes

Key Advantages

• ✓ 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)
• ✓ 1.5% uncapped cashback on all other online spends
• ✓ Joining fee fully offset by welcome cashback vouchers

Key Advantages

• ✓ 5% cashback on PhonePe bill payments, recharges, and in-app transactions
• ✓ 1.5% cashback on general online shopping
• ✓ Affordable ₹499 annual fee with fee waiver on ₹1 Lakh spend
• ✓ 1% fuel surcharge waiver across all fuel stations

Key Advantages

• ✓ 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
• ✓ 8 Bonvoy Points per $1 spent at participating Marriott Bonvoy properties worldwide
• ✓ 12 airport lounge access visits per year (8 Domestic + 4 International)
• ✓ Annual fee of ₹3,000 effectively offset by Free Night Award

Key Advantages

• ✓ 12 complimentary airport lounge visits worldwide (Domestic + International)
• ✓ Buy 1 Get 1 free movie ticket offer on BookMyShow
• ✓ Complimentary premium subscriptions (Swiggy One, Times Prime) on fee payment
• ✓ 20 reward points per ₹150 on SmartBuy flights & hotel bookings
• ✓ Annual fee waiver on ₹3 Lakh annual spends

Key Advantages

• ✓ Highest tier First Citizen Black membership status at Shoppers Stop
• ✓ 20 First Citizen Points per ₹200 spent on Shoppers Stop private brand products
• ✓ Complimentary airport lounge access: 16 domestic + 8 international visits/year
• ✓ ₹1,500 welcome voucher + milestone discount vouchers

Key Advantages

• ✓ Instant PayZapp app-based purchase-to-EMI conversion at attractive interest rates
• ✓ Digital card issuance with customizable widget controls in PayZapp
• ✓ Low fee waiver threshold of ₹50,000 annual retail spends
• ✓ 1% fuel surcharge waiver across all fuel stations

Key Advantages

• ✓ Lifetime free credit card with ₹0 joining fee and ₹0 annual fee
• ✓ 5X reward points on spending above ₹4,000,000 milestone
• ✓ 1% fuel surcharge waiver across all fuel pumps
• ✓ Complimentary Amazon gift voucher welcome benefit

Key Advantages

• ✓ 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
• ✓ 4 complimentary domestic & 4 international airport lounge visits per year
• ✓ 20,000 bonus points on joining fully offsets the ₹5,000 joining fee

Key Advantages

• ✓ 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
• ✓ ₹500 welcome cashback on initial UPI transactions
• ✓ Achievable annual fee waiver threshold of ₹1 Lakh

Key Advantages

• ✓ 40,000 Reward Points welcome benefit on card activation
• ✓ Unlimited international airport lounge access plus 4 domestic visits per quarter
• ✓ 4 complimentary international lounge visits/year for an accompanying guest
• ✓ Fee waiver threshold (Annual fee waived on ₹12 Lakh annual retail spends)

Key Advantages

• ✓ ₹500 welcome gift card that offsets the year-one fee
• ✓ Yatra voucher worth ₹3,000 on ₹3 Lakh annual spends
• ✓ Reward points redeem 1:1 for cashback or vouchers
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ 2.5% value-back on Reliance Retail, AJIO, Trends & JioMart purchases
• ✓ Low ₹499 fee with an easily reachable ₹1 Lakh waiver threshold
• ✓ 1.25% base reward rate, above SBI's typical entry-card floor
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ No minimum spend condition for complimentary airport lounge access
• ✓ 1 extra domestic lounge visit per ₹1 Lakh spent, capped at 12 extra visits/year
• ✓ Travel Credits transfer up to 1:1 with 20+ airline and hotel partners
• ✓ Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Key Advantages

• ✓ RuPay variant links directly to UPI for credit-on-UPI payments
• ✓ Stars redeem 1:1 for cashback, avoiding confusing point-conversion math
• ✓ Up to ₹18,000 in annual rewards achievable on regular spends
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ Unlimited complimentary domestic and international airport lounge access
• ✓ Complimentary golf round/lesson per ₹50,000 monthly spend, up to 4/month
• ✓ 4 Reward Points per ₹100 spent across all categories
• ✓ Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)

Key Advantages

• ✓ 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
• ✓ Very low ₹199 annual fee, among the cheapest fuel cards on the market
• ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Key Advantages

• ✓ ₹1,500 MMT MyCash bonus on joining, plus complimentary MMTBLACK Gold membership
• ✓ 6% myCash on MMT hotel bookings, 3% on flights/holidays/cabs/bus
• ✓ International airport lounge access included
• ✓ Fee waiver threshold (Includes ₹1,500 MMT MyCash bonus on joining)

Key Advantages

• ✓ 5 Reward Points per ₹200 on IRCTC train bookings plus a 1% transaction charge waiver
• ✓ 8 railway lounge visits/year at select stations
• ✓ Trip cancellation protection cover up to ₹5,000 on IRCTC-cancelled trains
• ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Key Advantages

• ✓ 10% cashback (up to ₹300/month/brand) on Myntra, Uber & Zomato
• ✓ ₹1,000 welcome voucher redeemable at Croma, Amazon, Myntra & Flipkart
• ✓ 10% BookMyShow discount, up to ₹300/month
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ 2 free movie/event tickets every month on ₹5,000 monthly spend
• ✓ ₹500 welcome discount on BookMyShow bookings
• ✓ ₹100 off food & beverages when booking tickets via the card
• ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Key Advantages

• ✓ 8 domestic lounge visits/year (2/quarter) on ₹15,000 quarterly spend
• ✓ 2 Reward Points per ₹100 on all regular spends
• ✓ Fuel surcharge waiver and lost card liability cover included
• ✓ Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Key Advantages

• ✓ 5% cashback on food delivery, entertainment & groceries
• ✓ 3% cashback on fuel spends
• ✓ Unlimited 0.5% cashback on all other eligible purchases
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ 1,000 Air Miles welcome bonus, plus 1,000 more on each renewal
• ✓ 3 Air Miles per ₹100 on flights & hotels via Kotak Unbox
• ✓ 4 domestic lounge visits/year on ₹60,000 quarterly spend
• ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Key Advantages

• ✓ Free ₹300 movie ticket for every ₹10,000 spent in a month, uncapped
• ✓ 5% savings on PVR movie tickets
• ✓ 20% savings on food & beverages at PVR cinemas
• ✓ Fee waiver threshold (Includes free PVR/INOX movie ticket vouchers every month)

Key Advantages

• ✓ Flat 3% Reward Points on every spend, domestic and international
• ✓ Lifetime free virtual RuPay card usable for UPI and QR payments
• ✓ Reward points redeemable across the Kotak Rewards catalogue
• ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Key Advantages

• ✓ Fuel surcharge waiver on corporate fuel spends
• ✓ Railway surcharge waiver included
• ✓ Airport lounge access for corporate travel
• ✓ Fee waiver threshold (Corporate card with zero annual fee)