Travel

Best Credit Card for International spends

Paying in a foreign currency: card payments abroad and on foreign websites that bill in dollars, euros and so on. Cards are ranked by what's left after the forex markup and 18% GST on it. We ranked 149 cards by what you get back paying on International spends directly; 16 of them give a boosted rate there.

Already have credit cards? Add them and we'll tell you which one to use on International spends.

Scapia Credit Card

Top pick for International spends

Scapia Credit Card

2% net on international spends: 2% back, minus a 0% forex markup (with GST). Free.

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All cards ranked for International spends

Net value per ₹100, after markup

  1. #1
    Scapia Credit Card

    Federal Bank · Free

    2%

    2% back − 0% markup

    Apply now Full review Conditions

    Flat 2% everywhere; 4% only on travel booked inside the Scapia app (not MMT/Cleartrip/IndiGo direct). Coins usable only on Scapia travel.

    Caps & rules

    • 10% Scapia Coins on card spends (2% at 5 coins = ₹1), 20% coins (4%) on flights, hotels, buses and trains booked in the Scapia app.
    • RuPay card: 5% coins (1%) on UPI spends of ₹500+.
    • Coins redeemable only for Scapia travel bookings (100% of booking value).
    • Zero forex markup.
    • Unlimited domestic lounges on ₹20,000 monthly spend.

    No rewards on: Scapia publishes a list of ineligible transactions (typically fuel, rent, wallet, utilities, insurance, education, government)

    Bank terms Checked 2026-10-03

  2. #2
    BOBCARD Eterna Credit Card

    Bank of Baroda · ₹2,499 + Taxes (first year free)

    Max ₹1,250 per statement cycle (5,000 accelerated points, shared by online, dining, travel and international)

    1.39%

    3.75% back − 2.36% markup

    Apply now Full review Conditions

    15 points per ₹100 (3.75% at ₹0.25 a point as cashback) on online, dining, travel and international spends until 5,000 points a cycle; 3 points (0.75%) after that and elsewhere. UPI spends earn only the base rate. Grocery apps earn nothing (BOBCARD excludes supermarket MCCs).

    Caps & rules

    • 5X (15 RP per ₹100) on online (e-commerce flag), dining (MCC 5812), travel (MCC 4722) and international spends, capped at 5,000 RP per statement cycle.
    • 3 RP per ₹100 on other spends.
    • 1 RP = ₹0.25 as cashback; points never expire.
    • Transactions under ₹100 earn nothing.

    No rewards on: Fuel, utilities (MCC 4900) for 5X, UPI for 5X, and the MCCs in BOBCARD's annexure

    Bank terms Checked 2026-10-18

  3. #3
    BOBCARD Tiara Credit Card

    Bank of Baroda · ₹2,499* Plus Applicable Taxes

    Max ₹1,250 per statement cycle (5,000 points)

    1.39%

    3.75% back − 2.36% markup

    Apply now Full review Conditions

    3.75% on dining and travel (5X), 0.75% elsewhere, at ₹0.25 a point. The 5X rate stops at 5,000 points a cycle.

    Caps & rules

    • 15 reward points per ₹100 on dining, travel and international spends, capped at 5,000 points per cycle; 3 per ₹100 elsewhere.
    • 1 point = ₹0.25.
    • ₹2,499 fee waived at ₹2.5 Lakh annual spend.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  4. #4
    IDFC FIRST Mayura Credit Card

    IDFC FIRST Bank · ₹5,999* Plus Applicable Taxes

    1.67%

    1.67% back − 0% markup

    Apply now Full review Conditions

    About 1% on the first ₹20,000 a cycle and up to 3.33% above it (10X), valuing points at ₹0.50 on flights and hotels in the IDFC FIRST app (₹0.25 elsewhere). Extra 30X on hotels and 15X on flights booked in the app.

    Caps & rules

    • 1X = 1 reward point per ₹150.
    • Up to 10X on incremental spends above ₹20,000 in a statement cycle; 30X bonus on hotel and 15X on flight bookings in the IDFC FIRST app.
    • 1 point = ₹0.50 on app travel bookings, ₹0.25 elsewhere.
    • 7,500 points at ₹8 Lakh and 15,000 at ₹15 Lakh annual spend.

    No rewards on: Fuel, EMI, ATM cash withdrawals

    Bank terms Checked 2026-10-11

  5. #5
    IDFC FIRST Select Credit Card

    IDFC FIRST Bank · Free

    1.25%

    1.25% back − 0% markup

    Apply now Full review Conditions

    Same as Millennia.

    Caps & rules

    • 1 point per ₹200 = 1X, 1 point = ₹0.25.
    • 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
    • Same reward structure as Millennia.

    No rewards on: Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.

    Bank terms Checked 2026-10-03

  6. #6
    IDFC FIRST Millennia Credit Card

    IDFC FIRST Bank · Free

    1.25%

    1.25% back − 0% markup

    Apply now Full review Conditions

    Swiggy/Zomato get 10X only if coded as dining; travel sites and airlines count as travel.

    Caps & rules

    • 1 point per ₹200 = 1X, 1 point = ₹0.25.
    • 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
    • Lifetime free.
    • Points valid 24 months.

    No rewards on: Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.

    Bank terms Checked 2026-10-03

  7. #7
    IDFC FIRST Classic Credit Card

    IDFC FIRST Bank · Free

    1.25%

    1.25% back − 0% markup

    Apply now Full review Conditions

    10X (1.25%) on dining, travel and international spends and on your birthday; 3X (0.375%) on most spends; 1X on utilities, insurance and railways. Swiggy and Zomato get 10X if coded as dining.

    Caps & rules

    • 1X = 1 reward point per ₹200; 1 point = ₹0.25.
    • 10X on dining, travel, international and birthday spends; 3X on other eligible spends and UPI; 1X on some categories.
    • Points earned only on spends up to your credit limit each cycle; valid 24 months.
    • 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app.
    • ₹99 + GST per redemption.
    • Lifetime free.

    No rewards on: Fuel, EMI, ATM cash withdrawals

    Bank terms Checked 2026-10-11

  8. #8
    IDFC FIRST Wealth Credit Card

    IDFC FIRST Bank · Free

    1.25%

    1.25% back − 0% markup

    Apply now Full review Conditions

    Same rates as Millennia/Select. Flights/hotels booked in the IDFC FIRST app get 20% bonus points on top.

    Caps & rules

    • 1 point per ₹200 = 1X, 1 point = ₹0.25.
    • 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
    • Plus 20% bonus points every month on flights and hotels booked in the IDFC FIRST app.
    • Zero forex markup since 18 Sep 2026.

    No rewards on: Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.

    Bank terms Checked 2026-10-03

  9. #9
    HSBC Premier Credit Card

    HSBC Bank · 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes

    1.83%

    3% back − 1.17% markup

    Apply now Full review Conditions

    Flat 3% at ₹1 per point (Apple store or 1:1 miles). No merchant accelerators.

    Caps & rules

    • 3 points per ₹100, never expire.
    • 1 point = ₹1 at the Apple online store, or 1:1 to airline miles/hotel points.
    • Up to 12X via HSBC's Travel with Points portal.
    • 0.99% forex markup.
    • For HSBC Premier banking customers.

    No rewards on: Fuel

    Bank terms Checked 2026-10-03

  10. #10
    Axis Bank Reserve Credit Card

    Axis Bank · ₹50,000 + Taxes

    1.23%

    3% back − 1.77% markup

    Apply now Full review Conditions

    1.5% domestically and 3% on international spends at ₹0.20 per EDGE point. Partner transfers at 5:2 can be worth about twice as much.

    Caps & rules

    • 15 EDGE reward points per ₹200 domestic, 30 per ₹200 international (one source says the 2X international rate applies up to your monthly credit limit).
    • 1 EDGE point = ₹0.20; transfers at 5:2.

    No rewards on: Fuel, rent, wallet loads, government, EMI conversions, tolls (from 28 Aug 2026)

    Bank terms Checked 2026-10-11

Show all 149 cards
  1. #11
    IndiGo IDFC First Dual FD Credit Card

    IDFC FIRST Bank · Free

    1.5%

    1.5% back − 0% markup

    Apply now Full review Conditions

    The card gives 6 BluChips per ₹100 on IndiGo (3% at ₹0.50 a BluChip) and up to 3 per ₹100 elsewhere (1.5%); UPI, fuel and bills earn 0.5 per ₹100.

    Caps & rules

    • Up to 22 BluChips per ₹100 on IndiGo bookings (6 from the card, up to 16 from IndiGo's tier earn); up to 3 per ₹100 on other spends; 0.5 per ₹100 on UPI, fuel, insurance, utilities, rent and wallet loads.
    • Up to 25,000 milestone BluChips a year.
    • FD-backed option available.

    No rewards on: Cash withdrawals

    Bank terms Checked 2026-10-11

  2. #12
    IDFC FIRST WOW! Black Credit Card

    IDFC FIRST Bank · 1st Year Fee: ₹750* Plus Applicable Taxes

    1.33%

    1.33% back − 0% markup

    Apply now Full review Conditions

    4 points per ₹150 on online, offline and international spends, worth 1.33% when points go to flights or hotels in the IDFC FIRST app (₹0.50 each), or 0.67% elsewhere (₹0.25). UPI under ₹2,000 earns 1 point per ₹150.

    Caps & rules

    • 4 reward points per ₹150 online, offline and international; 3 per ₹150 on UPI above ₹2,000, 1 per ₹150 below.
    • 1 point = ₹0.50 on flights and hotels in the IDFC FIRST app ('FIRST Rewards Gallery'), ₹0.25 elsewhere.
    • Extra 16.7% bonus points on hotels and 10% on flights booked in the app.
    • Zero forex markup.

    No rewards on: Fuel, EMI, ATM cash withdrawals

    Bank terms Checked 2026-10-11

  3. #13
    IDFC FIRST Ashva Credit Card

    IDFC FIRST Bank · 1st Year Fee: ₹2,999* Plus Applicable Taxes

    1.33%

    1.33% back − 0% markup

    Apply now Full review Conditions

    About 0.8% on the first ₹20,000 a cycle and up to 2.67% above it (10X), valuing points at ₹0.40 on flights and hotels in the IDFC FIRST app (₹0.25 elsewhere). Extra 30X on hotels and 15X on flights booked in the app.

    Caps & rules

    • 1X = 1 reward point per ₹150.
    • Up to 10X on incremental spends above ₹20,000 in a statement cycle; 30X bonus on hotel and 15X on flight bookings in the IDFC FIRST app.
    • 1 point = ₹0.40 on app travel bookings, ₹0.25 elsewhere.
    • Points earned only up to your credit limit each cycle.
    • 7,500 points at ₹8 Lakh annual spend.

    No rewards on: Fuel, EMI, ATM cash withdrawals

    Bank terms Checked 2026-10-11

  4. #14
    IDFC FIRST Quantum+ Credit Card

    IDFC FIRST Bank · Lifetime Free

    1%

    1% back − 0% markup

    Apply now Full review Conditions

    1% cashback on online, offline and IDFC-app UPI spends, 2% on online spends above ₹10,000 a cycle; total capped at ₹500 a cycle. UPI through Google Pay or PhonePe earns nothing. FD-backed, lifetime free.

    Caps & rules

    • 1% cashback on online spends up to ₹10,000 in a statement cycle and 2% above that; 1% on offline and UPI Scan & Pay in the IDFC FIRST app.
    • 1% bonus on hotels and flights booked in the app.
    • Total cashback capped at ₹500 per statement cycle.
    • Credit limit = 100% of your FD.

    No rewards on: EMI, ATM cash, UPI through third-party apps

    Bank terms Checked 2026-10-11

  5. #15
    PNB LUXURA Visa Credit Card

    Punjab National Bank · Free

    1%

    1% back − 0% markup

    Apply now Full review Conditions

    1% everywhere (4 points per ₹100) and 3% on travel and dining (3X), at ₹0.25 a point.

    Caps & rules

    • 4 reward points per ₹100; 3X (12 per ₹100) on travel and dining.
    • 4 points = ₹1.
    • 20,000 points welcome on ₹50,000 spend in 90 days; 10,000 at ₹5 Lakh annual spend.
    • ₹4,999 joining and ₹1,999 annual fee, waived at ₹6 Lakh.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  6. #16
    IDFC FIRST Hello Cashback Credit Card

    IDFC FIRST Bank · ₹1,000* Plus Applicable Taxes

    1%

    1% back − 0% markup

    Apply now Full review Conditions

    3% cashback on online spends up to ₹10,000 a cycle, more on online spends above that, 1% on UPI scan and pay in the IDFC FIRST app. Online cashback stops at ₹1,000 a cycle (₹1,500 overall). UPI through Google Pay, PhonePe or Paytm earns nothing. FD-backed card.

    Caps & rules

    • 3% cashback on online spends up to ₹10,000 in a statement cycle, higher on incremental online spends above ₹10,000 (up to 5%).
    • 1% on UPI via the IDFC FIRST app.
    • Extra 1% on hotels and flights booked in the app.
    • Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle.
    • Zero forex markup.
    • Credit limit is 100% of your fixed deposit.

    No rewards on: Fuel, ATM cash, EMI, UPI through other apps (Google Pay, PhonePe, Paytm)

    Bank terms Checked 2026-10-11

  7. #17
    Standard Chartered Ultimate Credit Card

    Standard Chartered · Rs. 5,000 + Taxes

    0.97%

    3.33% back − 2.36% markup

    Apply now Full review Conditions

    3.33% everywhere: 5 points per ₹150, and Standard Chartered values Ultimate points at ₹1 each. 5% cashback at airport duty-free.

    Caps & rules

    • 5 reward points per ₹150 on spends; 1 reward point = ₹1 on the Standard Chartered 360° Rewards catalogue.
    • 5% cashback at duty-free stores (₹1,000, twice a year).
    • 2% forex markup.
    • ₹5,000 fee, with 6,000 points on paying it.
    • 1% fee on rent payments.

    No rewards on: Cash withdrawals; check SC's terms for other exclusions

    Bank terms Checked 2026-10-11

  8. #18
    BOBCARD Etihad Guest Premium Credit Card

    Bank of Baroda · ₹5,000 + Taxes

    1%

    1% back − 0% markup

    Apply now Full review Conditions

    2 Etihad Guest Miles per ₹100 (1% at ₹0.50 a mile) and 6 per ₹100 on etihad.com. Miles can only be used with Etihad.

    Caps & rules

    • 6 Etihad Guest Miles per ₹100 on etihad.com, 2 per ₹100 on other domestic and international spends.
    • Miles are redeemable only with Etihad.
    • 0% forex markup.
    • ₹5,000 + GST fee.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  9. #19
    YES Bank Marquee Credit Card

    YES Bank · ₹4,999 + Taxes

    1.07%

    2.25% back − 1.18% markup

    Apply now Full review Conditions

    4.5% on online spends and 2.25% offline, at ₹0.25 a point on flights and hotels (vouchers are worth less).

    Caps & rules

    • 36 YES Rewardz points per ₹200 online, 18 per ₹200 offline, 10 per ₹200 on other selected categories.
    • Points capped at 1 lakh per statement cycle.
    • ₹0.25 per point on flights and hotels, about ₹0.15 on vouchers.
    • ₹9,999 fee.

    No rewards on: Fuel, rent, wallet loads, UPI, government payments, EMI

    Bank terms Checked 2026-10-11

  10. #20
    IDFC FIRST Diamond Reserve Credit Card

    IDFC FIRST Bank · ₹3,000 + Taxes

    0.5%

    0.5% back − 0% markup

    Apply now Full review Conditions

    0.5% on the first ₹20,000 a cycle (3X) and 1.67% on spends above that (10X), at ₹0.25 a point. Points never expire and can pay for purchases directly.

    Caps & rules

    • 1X = 1 reward point per ₹150; 1 point = ₹0.25.
    • 3X on spends up to ₹20,000 a statement cycle; 10X on incremental spends above ₹20,000 and on your birthday.
    • 3X on education, wallet loads, government, rent and property.
    • Points never expire; earned only up to your credit limit each cycle.
    • Bonus points on travel booked in the IDFC FIRST app.
    • Zero forex markup.

    No rewards on: Fuel, EMI, ATM cash withdrawals

    Bank terms Checked 2026-10-11

  11. #21
    IDFC FIRST WOW! Credit Card

    IDFC FIRST Bank · Free

    0.5%

    0.5% back − 0% markup

    Apply now Full review Conditions

    Flat 0.5% almost everywhere; bills and railway 0.125%.

    Caps & rules

    • 4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway.
    • 1 point = ₹0.25.
    • FD-backed, lifetime free, zero forex.

    No rewards on: Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.

    Bank terms Checked 2026-10-03

  12. #22
    IDFC FIRST Power+ Credit Card

    IDFC FIRST Bank · Free

    0.5%

    0.5% back − 0% markup

    Apply now Full review Conditions

    Grocery apps and bill payments earn 5% (assuming they code as grocery/utility; telecom assumed to count as utility). 5% fuel only at HPCL, so IndianOil shows 0.

    Caps & rules

    • 30 points per ₹150 (5%) on HPCL fuel, grocery, utilities and IDFC FASTag; 3 per ₹150 (0.5%) on other retail.
    • Extra 6 HP Happy Coins per ₹100 via HP Pay app.

    No rewards on: EMI, cash withdrawals; fuel outside HPCL

    Bank terms Checked 2026-10-03

  13. #23
    RBL Bank World Safari Credit Card

    RBL Bank · ₹3,000 + Taxes

    0.5%

    0.5% back − 0% markup

    Apply now Full review Conditions

    Travel 1.25% assumes travel agencies and cabs count as 'transportation'; railways are excluded.

    Caps & rules

    • 5 points per ₹100 on travel (airlines, hotels, transportation), 2 per ₹100 on other domestic spends.
    • No points on international non-travel spends (0% forex markup instead).
    • Milestones: 10,000 and 15,000 bonus points.
    • Point value assumed ₹0.25 (RBL rewards); not stated in T&C.

    No rewards on: Fuel & auto, utilities, wallet, insurance, railways, rent, miscellaneous

    Bank terms Checked 2026-10-03

  14. #24
    HDFC Infinia Credit Card Metal Edition

    HDFC Bank · ₹12,500 + Taxes

    0.97%

    3.33% back − 2.36% markup

    Apply now Full review Conditions

    No direct merchant accelerators. Higher rates only by buying through SmartBuy (e.g. vouchers for Amazon/Flipkart). Grocery sites (Instamart, Blinkit, Zepto, BigBasket, JioMart) earn base until the 2,000-point grocery cap. Education earns only when paid directly to the institution, not through apps like CRED.

    Caps & rules

    • 5 points per ₹150.
    • Up to 10X via SmartBuy (portal only, 15,000 accelerated points per month).
    • Grocery, utilities and telecom capped at 2,000 points per month each; insurance 10,000.
    • Max 2,00,000 points per cycle.
    • Point value ₹1 on SmartBuy flights/hotels (max 70% of booking).

    No rewards on: Fuel, rent, government, wallet loads, EasyEMI, third-party education payments

    Bank terms Checked 2026-09-27

  15. #25
    HDFC Diners Club Black

    HDFC Bank · ₹10,000 + Taxes

    0.97%

    3.33% back − 2.36% markup

    Apply now Full review Conditions

    Same base as Infinia. No direct merchant accelerators; SmartBuy for more. Diners Club acceptance is patchy at some merchants and payment gateways. Dining out: 2X only on weekends at standalone restaurants.

    Caps & rules

    • 5 points per ₹150.
    • 2X on weekend dining at standalone restaurants.
    • Up to 10X via SmartBuy (portal only).
    • 10,000 bonus points on ₹4 Lakh spend per quarter.
    • Point value up to ₹1 on SmartBuy.
    • Diners Club isn't accepted at every merchant.

    No rewards on: Fuel, rent, government, wallet loads, EMI

    Bank terms Checked 2026-09-27

  16. #26
    ICICI Bank Emeralde Private Metal Credit Card

    ICICI Bank · ₹12,499 + Taxes

    0.64%

    3% back − 2.36% markup

    Apply now Full review Conditions

    Flat 3% everywhere when points go to flights, hotels or vouchers at ₹1 a point. As statement credit a point is worth about ₹0.25, so 0.75%. Grocery apps (Instamart, Blinkit, Zepto, BigBasket, JioMart) and utility bills stop earning after 1,000 points per cycle.

    Caps & rules

    • 6 Reward Points per ₹200 on retail.
    • Grocery, utilities and education capped at 1,000 points each per statement cycle; insurance 5,000.
    • Points are worth ₹1 on flight and hotel vouchers, about ₹0.25 as statement credit.

    No rewards on: Fuel, rent, government, EMI, cash advances

    Bank terms Checked 2026-09-28

  17. #27
    Uni GoldX Credit Card

    Bank of Baroda · Lifetime Free

    0%

    0% back − 0% markup

    Apply now Full review Conditions

    Flat 1% when paying directly. Buying the merchant's voucher in the Uni Store first gets 5%.

    Caps & rules

    • 1% value back as Uni Coins on every eligible card transaction, no cap; coins don't expire and can be redeemed as cashback or digital gold.
    • 5% value back on vouchers bought in the Uni Store.
    • Zero forex markup.
    • 1% fuel surcharge waiver up to ₹500 on transactions up to ₹7,500.
    • Lifetime free, issued by BOBCARD.

    No rewards on: Money transfers, rent, fuel, cash, wallet loads, international transactions

    Bank terms Checked 2026-10-11

  18. #28
    Ixigo AU Credit Card

    AU Small Finance Bank · Free

    0%

    0% back − 0% markup

    Apply now Full review Conditions

    Bills/telecom 1 point per ₹100 = 1%. Flights/hotels on ixigo get 10% off as a discount.

    Caps & rules

    • 5 points per ₹200 on online, offline and RuPay UPI spends = 2.5% at ₹1 per point.
    • Points capped at 10,000 a month.
    • 5,000 bonus points on ₹75,000 spend per quarter.
    • Utilities, telecom and insurance earn 1 point per ₹100.
    • 10% off ixigo flights and hotels (up to ₹3,000 a month each) and buses (up to ₹300).
    • 0% forex markup on the Visa variant.
    • Lifetime free.

    No rewards on: Fuel, EMI, government and tax payments, rent via third-party apps, wallet loads, jewellery, cash advances, international spends

    Bank terms Checked 2026-10-11

  19. #29
    HSBC RuPay Cashback Credit Card

    HSBC Bank · 1st Year Fee: ₹499* Plus Applicable Taxes

    0%

    0% back − 0% markup

    Apply now Full review Conditions

    10% on food delivery and grocery apps, but the whole card caps at ₹400 cashback a month (≈₹4,000 of 10% spends). Zero forex markup until 31 December 2026, but international spends earn no cashback.

    Caps & rules

    • 10% on dining, food delivery and grocery; 1% elsewhere; total cashback capped at ₹400 a month.
    • Works on UPI.
    • 0% forex markup until 31 Dec 2026.

    No rewards on: Fuel, e-wallets, rent, B2B, education, government, insurance, jewellery, gambling, tolls, cash, money transfers, wholesale clubs, hospitals

    Bank terms Checked 2026-10-03

  20. #30
    AU Zenith+ Credit Card

    AU Small Finance Bank · ₹4,999 + Taxes

    −0.17%

    1% back − 1.17% markup

    Apply now Full review Conditions

    2% on dining and travel, 1% elsewhere, valuing points at ₹1 as AU states. One reviewer values AU points at ₹0.25 in the catalogue, so check the redemption route you'd use.

    Caps & rules

    • 2 reward points per ₹100 on dining, travel and international spends; 1 per ₹100 on other retail.
    • 1,000 bonus points a month on ₹75,000 retail spend in a cycle.
    • AU says each point is worth ₹1.
    • 0.99% forex markup.
    • Metal card.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  21. #31
    CUB SalarySe Level Up Credit Card

    City Union Bank · ₹0 (Virtual) / ₹500 + GST (Physical)

    −0.18%

    1% back − 1.18% markup

    Apply now Full review Conditions

    1% on card and SalarySe UPI spends (5 SCoins per ₹100 at ₹0.20), rising to 2% on monthly spend above ₹20,000. Paying through other UPI apps earns only 0.2%. The 37.5% salary-day rate is in SCoins and much smaller in rupees.

    Caps & rules

    • 5 SCoins per ₹100 via SalarySe UPI, online checkout or in-store card use on the first ₹20,000 a month; 10 per ₹100 above ₹20,000.
    • 1 SCoin per ₹100 on other UPI apps, rent, railways, insurance and education.
    • Monthly rewards capped at 10% of your credit limit.
    • 5 SCoins = ₹1.

    No rewards on: Fuel, wallet loads, cash

    Bank terms Checked 2026-10-11

  22. #32
    MakeMyTrip ICICI Credit Card

    ICICI Bank · ₹500 + Taxes

    −0.17%

    1% back − 1.17% markup

    Apply now Full review Conditions

    3% myCash on MakeMyTrip flights, holidays, cabs and buses and 6% on MakeMyTrip hotels (shown at the flights rate); 1% elsewhere. myCash spends on MakeMyTrip.

    Caps & rules

    • 6% myCash on MakeMyTrip hotels; 3% on flights, holidays, cabs and buses via MakeMyTrip; 1% on other spends.
    • 1 myCash = ₹1 on MakeMyTrip.
    • 0.99% forex markup.
    • ₹999 fee waived at ₹3 Lakh.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  23. #33
    Times Black ICICI Bank Credit Card

    ICICI Bank · ₹20,000 + Applicable Taxes

    −0.76%

    1% back − 1.76% markup

    Apply now Full review Conditions

    About 0.8% on domestic spends and 1% international (2 and 2.5 points per ₹100 at ₹0.40). Some categories capped at 5,000 points a cycle.

    Caps & rules

    • 2 reward points per ₹100 domestic, 2.5 per ₹100 international.
    • Points about ₹0.40 each.
    • 5,000 points per cycle cap on some categories.
    • ₹20,000 fee waived at ₹25 Lakh.
    • 1.49% forex markup.

    No rewards on: Fuel, rent, EMI

    Bank terms Checked 2026-10-11

  24. #34
    OneCard Metal Credit Card

    Federal Bank · Free

    −0.98%

    0.2% back − 1.18% markup

    Apply now Full review Conditions

    5X points (about 1%) on your top 2 spend categories each month, picked automatically; about 0.2% elsewhere. OneCard doesn't publish a fixed point value.

    Caps & rules

    • 1 reward point per ₹50; 5X on your top 2 spend categories in a month (needs spend across 3+ categories, with a monthly cap).
    • Points valued at about ₹0.25.
    • Lifetime free metal card.

    No rewards on: Cash withdrawals, transfers, wallet loads

    Bank terms Checked 2026-10-11

  25. #35
    Axis Bank Magnus Credit Card

    Axis Bank · ₹12,500 + Taxes

    −1.16%

    1.2% back − 2.36% markup

    Apply now Full review Conditions

    1.2% is the rate on the first ₹1.5 Lakh a month at ₹0.20 per point. Above ₹1.5 Lakh it's 3.5% (about 7% if points go to airline miles).

    Caps & rules

    • 12 EDGE Reward Points per ₹200 on the first ₹1.5 Lakh a month, 35 per ₹200 on spends above that (up to your credit limit + ₹1.5 Lakh).
    • 5X via Travel EDGE.
    • Valued at ₹0.20 per point; transferring 5 points to 2 airline/hotel miles is worth roughly double.

    No rewards on: Utilities & telecom, rent (capped ₹50,000/month), wallet, government, insurance, gold/jewellery, fuel, gift cards, tolls

    Bank terms Checked 2026-09-27

  26. #36
    YES Bank RESERV Credit Card

    YES Bank · ₹2,499 + Taxes

    −0.86%

    1.5% back − 2.36% markup

    Apply now Full review Conditions

    Online 3% at ₹0.25/point (36,000 points per cycle max). Utility bills are a 'select' category at 0.75%.

    Caps & rules

    • 24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle).
    • Max 36,000 points per statement cycle.
    • ₹0.25 per point on flights/hotels.
    • Forex markup 2% from 15 Jun 2026.

    No rewards on: From 15 Jun 2026: rent, wallet, fuel, UPI, government, marketing/advertising, insurance, education, railways, toll, ferry, cash, EMI

    Bank terms Checked 2026-10-03

  27. #37
    Tata Neu Infinity HDFC Bank Credit Card

    HDFC Bank · ₹1,499 + Taxes

    −0.86%

    1.5% back − 2.36% markup

    Apply now Full review Conditions

    5% at Tata brands paid directly (list: Tata 1mg, bigbasket, Croma, Air India Express, Tata CLiQ, IHCL, Westside, Qmin, Tata Play, Cult, Titan, Tanishq, Air India). Buying on the Tata Neu app with NeuPass adds another 5%. Grocery NeuCoins capped at 2,000/month. Tata Neu app shows up to 10% (5% plus 5% with NeuPass on select categories). Air India and Air India Express bookings earn 5% NeuCoins as a Tata brand.

    Caps & rules

    • Extra 5% NeuCoins on selected categories when bought on the Tata Neu app/website with NeuPass (so up to 10% there).
    • NeuCoins on grocery, utilities, telecom and insurance each capped at 2,000 per month.
    • UPI: 0.5% (+1% with Tata Neu UPI ID), capped at 500 NeuCoins per month.

    No rewards on: Fuel, wallet, rent, government, online gaming, third-party education payments

    Bank terms Checked 2026-09-27

  28. #38
    SBI Aurum Card

    SBI Card · ₹9,999 + Taxes

    −1.35%

    1% back − 2.35% markup

    Apply now Full review Conditions

    Flat 1% (4 points per ₹100); the real value is in monthly and yearly milestone vouchers, which can take it towards 3.7% at ₹20 Lakh a year.

    Caps & rules

    • 4 Aurum Reward Points per ₹100; 1 point = ₹0.25.
    • ₹1,500 Tata CLiQ voucher on ₹1 Lakh spend in a calendar month, plus vouchers at ₹5, ₹10 and ₹20 Lakh annual spend.
    • ₹99 + taxes per voucher redemption.

    No rewards on: Fuel, rent, government payments, wallet loads

    Bank terms Checked 2026-10-11

  29. #39
    HDFC Regalia Gold Credit Card

    HDFC Bank · ₹2,500 + Taxes

    −1.11%

    1.25% back − 2.36% markup

    Apply now Full review Conditions

    Myntra/Nykaa assume 5X = 25 points per ₹200 at ₹0.50 each. HDFC's 5X terms don't say whether this includes the base 5 points, so the real rate may be lower. Base 5 per ₹200 = 1.25% at ₹0.50.

    Caps & rules

    • 5 points per ₹200 since 15 May 2026.
    • 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer, capped at 5,000 bonus points per month (min ₹200 per transaction).
    • Grocery and insurance points capped at 2,000 per month each.
    • Max 50,000 points per cycle.
    • Point value ₹0.50 on SmartBuy flights/hotels, lower as statement credit.

    No rewards on: Fuel, rent, government, wallet loads, EasyEMI

    Bank terms Checked 2026-09-27

  30. #40
    IndusInd Bank Legend Credit Card

    IndusInd Bank · Free

    −1.37%

    0.75% back − 2.12% markup

    Apply now Full review Conditions

    Weekday spends earn 0.75% and weekend spends 1.5%, valuing points at IndusInd's ₹0.75 cash value. No merchant accelerators.

    Caps & rules

    • 1 reward point per ₹100 on weekdays, 2 per ₹100 on weekends; medical, automobile and telecom always 1.
    • IndusInd values a Legend point at ₹0.75 in cash.
    • 4,000 bonus points on ₹6 Lakh spend in a financial year.
    • Lounge access discontinued 7 Mar 2025.

    No rewards on: Fuel

    Bank terms Checked 2026-10-11

  31. #41
    IndusInd Bank Tiger Credit Card

    IndusInd Bank · Free

    −1.37%

    0.4% back − 1.77% markup

    Apply now Full review Conditions

    No merchant accelerators; the rate depends on how much you spend in a year (0.4% up to 2.4%).

    Caps & rules

    • Rate rises with annual spend: first ₹1 Lakh 1 point per ₹100 (0.4%), next ₹1.5 Lakh 2 (0.8%), next ₹2.5 Lakh 4 (1.6%), above ₹5 Lakh 6 (2.4%).
    • 1 point = ₹0.40 cash credit or 4 points = 1 KrisFlyer mile.
    • Cash redemption capped at 5,000 points a month.
    • 1.5% forex markup.

    No rewards on: Fuel

    Bank terms Checked 2026-10-11

  32. #42
    Icon Credit Card

    RBL Bank · ₹5,000 + Taxes

    Max ₹500 a month (2,000 points)

    0.87%

    5% back − 4.13% markup

    Apply now Full review Conditions

    0.5% on most spends; 5% (20 points per ₹100) on international purchases and weekend dining, up to 2,000 points a month each. Dining out: 5% on weekends only.

    Caps & rules

    • 2 reward points per ₹100; 20 per ₹100 on international purchases and weekend dining, max 2,000 points a month each.
    • Milestones: 10,000 at ₹3 Lakh, 15,000 at ₹5 Lakh, 20,000 at ₹8 Lakh.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  33. #43
    HDFC Diners Club Privilege Credit Card

    HDFC Bank · ₹2,500 + Taxes

    −1.36%

    1% back − 2.36% markup

    Apply now Full review Conditions

    5X on Swiggy and Zomato food orders, valuing points at ₹0.50 on SmartBuy flights and hotels (₹0.20 as statement credit). Diners Club isn't accepted everywhere.

    Caps & rules

    • 4 reward points per ₹200 (from 15 May 2026; per ₹150 before).
    • 5X on Swiggy and Zomato online food orders, bonus capped around 2,500 points a month (some sources say 4,000).
    • Up to 10X via SmartBuy, capped at 4,000 points a month.
    • Points worth ₹0.50 on SmartBuy flights and hotels, ₹0.35 on the catalogue, ₹0.20 as statement credit.

    No rewards on: Fuel, rent, government payments, wallet loads, EMI

    Bank terms Checked 2026-10-11

  34. #44
    BOBCARD Premier Credit Card

    Bank of Baroda · ₹1,000 + Taxes (first year free)

    Max ₹500 per statement cycle (2,000 accelerated points, shared by travel, dining and international)

    −1.63%

    2.5% back − 4.13% markup

    Apply now Full review Conditions

    10 points per ₹100 (2.5% at ₹0.25) on travel agencies (MCC 4722, like MakeMyTrip), dining (MCC 5812) and international spends. Airline websites and food delivery apps aren't assumed to qualify. 0.5% elsewhere.

    Caps & rules

    • 5X (10 RP per ₹100) on travel (MCC 4722), dining (MCC 5812) and international spends, capped at 2,000 RP per statement cycle.
    • 2 RP per ₹100 on other spends.
    • 1 RP = ₹0.25 as cashback.

    No rewards on: Fuel, UPI for 5X, and the MCCs in BOBCARD's annexure

    Bank terms Checked 2026-10-18

  35. #45
    PVR INOX Kotak Credit Card

    Kotak Bank · ₹499 + Taxes

    −1.13%

    3% back − 4.13% markup

    Apply now Full review Conditions

    Flat ~3% as PVR INOX tickets on every ₹10,000 block of monthly spend (spend of ₹9,999 earns nothing). Only useful if you watch movies at PVR INOX regularly. At PVR INOX itself: 3% plus 5% off tickets (8%), and 20% off food.

    Caps & rules

    • No points.
    • 1 PVR INOX ticket (worth up to ₹300) for every ₹10,000 of billed spend in a monthly cycle, uncapped; only worth ~3% if you use the tickets within 60 days.
    • Plus 5% off PVR INOX tickets and 20% off F&B every time.

    No rewards on: Rent, wallet funding and online skill gaming don't count towards ticket milestones

    Bank terms Checked 2026-09-28

  36. #46
    SBI Card ELITE

    SBI Card · ₹4,999* Plus Applicable Taxes

    −1.85%

    0.5% back − 2.35% markup

    Apply now Full review Conditions

    Grocery apps count as grocery (5X). Swiggy/Zomato earn 5X only if the merchant codes as dining/fast food, which is typical but not guaranteed.

    Caps & rules

    • 5X (10 points per ₹100) on dining, departmental stores and grocery; 2 points per ₹100 on everything else except fuel.
    • 4 points = ₹1.
    • Milestones: 10,000 bonus points at ₹3L and ₹4L annual spend, 15,000 at ₹5L and ₹8L.
    • SBI's product page doesn't state a current monthly cap on 5X points.

    No rewards on: Fuel, rent, wallet loads, government, gaming, education, EMI/Flexipay

    Bank terms Checked 2026-09-27

  37. #47
    HSBC TravelOne Credit Card

    HSBC Bank · ₹5,000 + Taxes

    Max ₹25,000 a month (50,000 points)

    −2.13%

    2% back − 4.13% markup

    Apply now Full review Conditions

    Travel sites and airlines 2% (4 points at ₹0.50). Utility bills earn nothing; telecom recharges (Airtel/Jio) are not excluded.

    Caps & rules

    • 4 points per ₹100 on airlines, travel aggregators (MCC 4722/4723/4111/4131) and foreign currency, capped at 50,000 points a month; 2 per ₹100 elsewhere, uncapped.
    • Points convert 1:1 to airline miles/hotel points instantly; valued at ₹0.50 here.
    • 10,000 bonus points on ₹12 Lakh a year.

    No rewards on: Fuel, utilities (4900), e-wallets, rent, education, government, insurance, jewellery, tax, money transfers

    Bank terms Checked 2026-10-03

  38. #48
    Axis Bank ATLAS Credit Card

    Axis Bank · ₹5,000 + Taxes

    −2.13%

    2% back − 4.13% markup

    Apply now Full review Conditions

    5% only on direct airline/hotel bookings and Travel EDGE. MakeMyTrip, Cleartrip and Goibibo earn 2%.

    Caps & rules

    • 5 EDGE Miles per ₹100 on Travel EDGE, direct airline and direct hotel spends, on up to ₹2 Lakh per month (2 per ₹100 after that).
    • Online travel agencies (MakeMyTrip, Cleartrip, Goibibo) earn only 2.
    • 1 EDGE Mile = ₹1, or 2 partner points (transfers capped at 1,50,000 miles a year).
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: Utilities & telecom (except the card's own bill channel), rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI

    Bank terms Checked 2026-09-27

  39. #49
    Axis Bank Horizon Credit Card

    Axis Bank · ₹3,000 + Taxes

    −2.13%

    2% back − 4.13% markup

    Apply now Full review Conditions

    5% on direct airline bookings (like IndiGo) and Travel EDGE, 2% elsewhere, at ₹1 per EDGE Mile on Travel EDGE. Travel sites like MakeMyTrip get only 2%. Utilities, insurance and rent earn nothing.

    Caps & rules

    • 5 EDGE Miles per ₹100 on Travel EDGE and direct airline websites, 2 per ₹100 on other spends.
    • 1 EDGE Mile = ₹1 on Travel EDGE, or transfer to airline partners (capped at 5,00,000 miles a year).
    • 5,000 miles welcome bonus.
    • ₹3,000 fee.

    No rewards on: Utilities, fuel, insurance, rent, wallet loads, government, tolls (from 28 Aug 2026)

    Bank terms Checked 2026-10-11

  40. #50
    Shoppers Stop Black HDFC Bank Credit Card

    HDFC Bank · ₹4,500 + Taxes

    −2.13%

    2% back − 4.13% markup

    Apply now Full review Conditions

    2% back on everything outside Shoppers Stop and 7% at Shoppers Stop, in reward points used for Shoppers Stop vouchers, so the value is best if you shop there.

    Caps & rules

    • 7% reward points on every Shoppers Stop purchase and 2% on all other purchases, per HDFC.
    • Points are redeemed for Shoppers Stop vouchers.
    • ₹1,500 Shoppers Stop voucher as a welcome benefit.
    • 16 domestic and 8 international lounge visits a year.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI (HDFC standard exclusions)

    Bank terms Checked 2026-10-11

  41. #51
    Nova Credit Card

    RBL Bank · ₹12,500 + Taxes

    −2.13%

    2% back − 4.13% markup

    Apply now Full review Conditions

    2% everywhere (4 points per ₹200 at ₹1 each) and 6% on flights and hotels.

    Caps & rules

    • 4 reward points per ₹200 on all purchases, 12 per ₹200 on flight bookings and hotel stays.
    • 1 point = ₹1 on RBL's catalogue (luxury, travel, jewellery); transfers to airline partners at 2:1.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  42. #52
    SBI Card MILES PRIME

    SBI Card · ₹2,999 + Taxes

    −2.45%

    0.5% back − 2.95% markup

    Apply now Full review Conditions

    Travel Credits valued at ₹0.50 on travel bookings (₹0.25 on the catalogue). Converting 1:1 to airline and hotel partners can be worth about twice as much.

    Caps & rules

    • 4 Travel Credits per ₹200 on travel, 2 per ₹200 on other spends.
    • Travel Credits are worth ₹0.50 on travel bookings, ₹0.25 on the catalogue, or convert 1:1 to airline and hotel partners.
    • 10,000 bonus credits at ₹8 Lakh annual spend; fee waived at ₹10 Lakh.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  43. #53
    Platinum Maxima Credit Card

    RBL Bank · ₹2,000 + Taxes

    Max ₹250 a month (1,000 points, shared with dining, entertainment and grocery)

    −1.63%

    2.5% back − 4.13% markup

    Apply now Full review Conditions

    2.5% (10 points per ₹100) on dining, entertainment, grocery and international spends, up to 1,000 points a month; 0.5% elsewhere.

    Caps & rules

    • 2 reward points per ₹100; 10 per ₹100 on dining, entertainment, grocery and international, max 1,000 a month.
    • 10,000 points each at ₹2, ₹3.5 and ₹5 Lakh annual spend.
    • ₹2,500 fee.
    • ₹99 + GST per redemption.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  44. #54
    KIWI UPI RuPay Credit Card

    YES Bank · Free

    −2.63%

    1.5% back − 4.13% markup

    Apply now Full review Conditions

    1.5% is for scan-and-pay UPI at shops (6 Kiwis per ₹100). Online payments, which is how you pay these apps and sites, earn 0.5%. Telecom and utility bills earn nothing.

    Caps & rules

    • 6 Kiwis per ₹100 on UPI scan and pay (1.5%) and 2 Kiwis per ₹100 on online spends (0.5%), for cards issued since 4 Jul 2024.
    • 1 Kiwi = ₹0.25, redeemed to your bank account in multiples of 500.
    • Monthly Kiwis capped at 1% of your credit limit.
    • RuPay card issued by YES Bank, used through the Kiwi app.
    • Lifetime free.

    No rewards on: Fuel, telecom and utility bills, government, rent-type and other excluded MCCs listed in Kiwi's rewards policy; refunded transactions

    Bank terms Checked 2026-10-11

  45. #55
    Axis Bank ACE Credit Card

    Axis Bank · ₹499 + Taxes

    −2.63%

    1.5% back − 4.13% markup

    Apply now Full review Conditions

    Google Pay 5% only for bills and recharges paid by this card inside Google Pay on Android. Paying Airtel/Jio directly earns nothing. Instamart isn't named, so treat it as 1.5%. Electricity 5% only when paid through Google Pay on Android.

    Caps & rules

    • 5% on bills and recharges paid through Google Pay (Android) and 4% on Swiggy, Zomato and Ola share one cap of ₹500 per statement.
    • 1.5% elsewhere is uncapped.
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: Utility and telecom spends outside Google Pay, rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI

    Bank terms Checked 2026-09-27

  46. #56
    HSBC Live+ Credit Card

    HSBC Bank · Free

    −2.63%

    1.5% back − 4.13% markup

    Apply now Full review Conditions

    Amazon/Flipkart 1.5% since 26 Jul 2026. Myntra 10% only until 31 Oct 2026. Tata CLiQ/AJIO assumed to code as 'shopping' (apparel); Nykaa, Meesho and Croma not assumed. Telecom assumed to count as utility. All 10% shares the ₹1,200 monthly cap.

    Caps & rules

    • 10% on dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200 cashback a month; 1.5% unlimited elsewhere.
    • From 26 Jul 2026 Amazon and Flipkart earn only 1.5%.
    • Myntra 10% launch offer until 31 Oct 2026.
    • Categories by MCC per HSBC's service guide.

    No rewards on: Fuel, e-wallets, rent, B2B, education, government, insurance, jewellery, gambling, tolls, cash, money transfers, wholesale clubs, hospitals

    Bank terms Checked 2026-10-03

  47. #57
    Tata Neu Infinity SBI Card

    SBI Card · ₹1,499 + Taxes

    −2.63%

    1.5% back − 4.13% markup

    Apply now Full review Conditions

    Same structure as the HDFC version. Buying on the Tata Neu app with NeuPass adds up to 5% more. BigBasket grocery NeuCoins capped at 2,000/month. Tata Neu app shows up to 10% (5% plus up to 5% with NeuPass on select categories). Air India and Air India Express bookings earn 5% NeuCoins as a Tata brand.

    Caps & rules

    • 5% NeuCoins at Tata Neu and partner Tata brands (Air India, Air India Express, BigBasket, Tata CLiQ, Taj, Tata 1mg, Titan, Tanishq, Croma, Westside, Qmin); up to 5% extra on select categories on the Tata Neu app with NeuPass.
    • Monthly caps: grocery, insurance, utility and telecom 2,000 NeuCoins each; UPI 500.

    No rewards on: Fuel, wallet, rent, gift/prepaid card loads, government, education, gaming, Merchant EMI/Flexipay

    Bank terms Checked 2026-09-27

  48. #58
    Adani One ICICI Signature Credit Card

    ICICI Bank · ₹5,000 + Taxes

    −2.63%

    1.5% back − 4.13% markup

    Apply now Full review Conditions

    1.5% on everyday domestic spends and 7% across the Adani ecosystem (Adani One app flights and hotels, Adani airports, Adani Electricity), valuing Adani Reward Points at ₹1 as ICICI's '7%' headline implies. Points can only be used in the Adani One app; one reviewer values them at about ₹0.25.

    Caps & rules

    • 7 Adani Reward Points per ₹100 on Adani One ecosystem spends, 2 per ₹100 international, 1.5 per ₹100 other domestic, 0.5 on utilities and insurance.
    • Rewards are uncapped.
    • Points are credited to the Adani One app as Adani OneApp Rewards each billing cycle.
    • ₹5,000 fee waived at ₹6 Lakh annual spend.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  49. #59
    Titan SBI Card

    SBI Card · ₹2,999 + Taxes

    −2.63%

    1.5% back − 4.13% markup

    Apply now Full review Conditions

    1.5% everywhere and 2.5% on dining, movies and pharmacy, in points usable only as Titan brand vouchers. 7.5% cashback at Titan, Fastrack, Titan Eye+ and other Titan brands.

    Caps & rules

    • 6 reward points per ₹100 on non-Titan spends, 10 per ₹100 on chemist, pharmacy, sports, dining and movies (per CardAdvisor 2026).
    • 1 point = ₹0.25, redeemable only for Titan brand vouchers.
    • 7.5% cashback at Titan brands (up to ₹10,000 a quarter), 5% at CaratLane and Mia, 3% voucher at Tanishq.
    • ₹2,999 fee waived at ₹3 Lakh.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  50. #60
    ICICI Bank Emeralde Credit Card

    ICICI Bank · ₹12,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    1% at ₹0.25 a point, the value ICICI points usually get. One reviewer says points can be worth up to ₹1 on ICICI's iShop and vouchers, which would make it 4%; ICICI doesn't publish a value.

    Caps & rules

    • 4 ICICI Rewards points per ₹100 on domestic and international spends, 1 per ₹100 on utilities and insurance.
    • Points redeem for vouchers, travel, electronics and more.
    • ₹12,000 + GST fee, waived at ₹10 Lakh annual spend.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  51. #61
    Cashback SBI Credit Card

    SBI Card · ₹999 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    5% on any online merchant (no partner list), until the ₹2,000 per cycle cap. Railways (IRCTC), telecom and utility bills earn nothing.

    Caps & rules

    • From 1 Apr 2026: 5% on online spends capped at ₹2,000 per statement cycle, 1% offline capped at ₹2,000; ₹4,000 total per cycle.
    • Cashback auto-credited within 2 days of the next statement.

    No rewards on: Utilities, telecom (MCC 4814), DTH, insurance, jewellery, education, railways, gift/novelty shops, quasi-cash, gaming, tolls, government, fuel, rent, wallet, Merchant EMI/Flexipay

    Bank terms Checked 2026-09-27

  52. #62
    Airtel Axis Bank Credit Card

    Axis Bank · ₹500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    Airtel 25% only via the Airtel Thanks app, and capped at twice the base cashback you earn elsewhere that cycle. Zomato/Blinkit 10% arrives as wallet credit (max ₹200 each per month). Electricity 10% only via the Airtel Thanks app.

    Caps & rules

    • From 12 Apr 2026: 25% on Airtel mobile, broadband, WiFi and DTH via Airtel Thanks, capped at 2x the 1% base cashback you earn that cycle; 10% on other utility bills via Airtel Thanks, capped at 1x base cashback.
    • 10% value back at Zomato, Blinkit and District Movies as partner wallet credit, max ₹200 per partner per month, min order ₹499 on Zomato/Blinkit.
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: Utility and telecom spends outside Airtel Thanks, rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI

    Bank terms Checked 2026-09-27

  53. #63
    Signature Banking Credit Card

    RBL Bank · ₹3,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    1% cashback on eligible purchases (up to ₹1,500 a month); 4% on the RBL Rewards portal (flights, hotels, vouchers). For Signature Banking customers.

    Caps & rules

    • 1% cashback on eligible purchases, up to ₹1,500 a billing month.
    • 4% unlimited on the RBL Bank Rewards portal.
    • ₹2,000 at ₹4 Lakh and ₹4,000 more at ₹6 Lakh annual spend.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  54. #64
    Flipkart Axis Bank Credit Card

    Axis Bank · ₹500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    Swiggy 4% is food delivery only (Instamart and Genie earn 1%). Flipkart excludes Flipkart Health and gift cards. Telecom and utility bills earn nothing. PVR INOX earns 4% as a preferred merchant.

    Caps & rules

    • Myntra 7.5%, Flipkart 5% and Cleartrip 5%, each capped at ₹4,000 cashback per statement quarter.
    • 4% at preferred merchants (Swiggy food delivery, Uber, PVR, Fitpass) and 1% elsewhere are uncapped.
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: Utilities & telecom (except the card's own bill channel), rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI

    Bank terms Checked 2026-09-27

  55. #65
    PhonePe SBI Card SELECT BLACK

    SBI Card · ₹1,499 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    10% on bills, recharges and utilities paid in the PhonePe app, 5% on online merchants and 1% elsewhere, with points worth ₹1. All rewards stop at about 1,500 points a month since July 2026. Electricity and insurance 10% only when paid in the PhonePe app.

    Caps & rules

    • Up to 10% reward points on PhonePe and Pincode app spends, up to 5% on other online merchants, 1% on other eligible spends.
    • 1 point = ₹1.
    • From 1 Jul 2026 monthly caps were cut (reported as 1,500 points a month, 500 on insurance) and tolls, jewellery, education and non-PhonePe utilities were excluded.
    • ₹1,499 fee waived at ₹3 Lakh.

    No rewards on: Fuel, rent, wallet loads; from 1 Jul 2026 tolls, jewellery, education and utilities paid outside PhonePe

    Bank terms Checked 2026-10-11

  56. #66
    Aspire Banking Credit Card

    RBL Bank · ₹1,500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    Flat 1% cashback to your RBL savings account, up to ₹1,000 a cycle. 3% only through the RBL Rewards portal (flights, hotels, vouchers).

    Caps & rules

    • 1% cashback on eligible retail spends, capped at ₹1,000 per billing cycle, credited to your RBL savings account.
    • 3% on the RBL Bank Rewards portal (flights, hotels, shopping, vouchers), uncapped.
    • ₹1,500 at ₹3 Lakh and ₹3,000 more at ₹5 Lakh annual spend.
    • Lifetime free for Aspire Banking customers.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  57. #67
    HDFC Pixel Play Credit Card

    HDFC Bank · ₹500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    Shows the best rate if you pick that merchant's pack: you choose 2 of 5 packs for 5% (Dining & Entertainment: BookMyShow, Zomato; Travel: MakeMyTrip, Uber; Grocery: Blinkit; Electronics: Croma; Fashion: Nykaa, Myntra) and one of Amazon or Flipkart for 3%. Everything else earns 1%.

    Caps & rules

    • 1% CashPoints on all spends (1 CashPoint = ₹1), capped at 15,000 a month from 15 Apr 2026.
    • 5% on your 2 chosen brand packs, capped at 500 CashPoints a month.
    • 3% on your chosen e-commerce site (Amazon, Flipkart or PayZapp), capped at 500 a month.
    • 5% on SmartBuy, capped at 500.
    • Packs can be changed once every 3 months.
    • Insurance capped at 2,000 CashPoints a month.

    No rewards on: Fuel, EMI and other HDFC excluded categories

    Bank terms Checked 2026-10-11

  58. #68
    Slice Credit Card

    Slice · Free

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    About 1% cashback ('Monies') on spends and UPI scan and pay; the advertised 2% is an upper limit. Issued by slice's small finance bank.

    Caps & rules

    • Cashback as Monies on card spends and RuPay UPI QR payments; up to 2% advertised, about 1% typical.
    • Lifetime free.

    No rewards on: Cash withdrawals, transfers, wallet loads

    Bank terms Checked 2026-10-11

  59. #69
    Standard Chartered Smart Credit Card

    Standard Chartered · ₹499 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    2% cashback on online spends (up to ₹1,000 a month) and 1% on other spends (up to ₹500 a month). Fuel earns nothing.

    Caps & rules

    • 2% cashback on online spends, max ₹1,000 a month.
    • 1% on other spends, max ₹500 a month.
    • Fuel not eligible.

    No rewards on: Fuel, cash withdrawals

    Bank terms Checked 2026-10-11

  60. #70
    Swiggy HDFC Credit Card

    HDFC Bank · ₹500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    5% is by online MCC (apparel, electronics, department/discount stores, entertainment, pharmacy, local cabs) and only for merchants the bank has mapped. Amazon, Flipkart, Meesho, AJIO, Ola, Uber and Cleartrip are named in the T&C; Tata CLiQ, Myntra, Nykaa, 1mg, Apollo and Croma depend on MCC mapping. Zomato, Blinkit, Zepto, travel sites and telecom earn 1%. Dining out earns 10% only when you pay through Swiggy Dineout.

    Caps & rules

    • 10% on Swiggy (Food, Instamart, Dineout) capped at ₹1,500 per billing cycle.
    • 5% on eligible online categories capped at ₹1,500 per cycle.
    • 1% capped at ₹500 per cycle.
    • Being migrated to Swiggy Ornge / BLCK variants.

    No rewards on: Fuel, rent, jewellery, government, gift cards, wallet, EMI, SmartBuy and SmartPay transactions

    Bank terms Checked 2026-09-27

  61. #71
    Axis Bank Privilege Credit Card

    Axis Bank · ₹1,500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    Flat 1%: 10 EDGE points per ₹200 at ₹0.20 each. 10,000 bonus points at ₹2.5 Lakh annual spend.

    Caps & rules

    • 10 EDGE reward points per ₹200 on domestic and international spends.
    • 10,000 bonus points on ₹2.5 Lakh spend in a card year.
    • Fee waived at ₹5 Lakh.
    • 1 EDGE point = ₹0.20.
    • Axis-wide from 28 Aug 2026: no rewards on tolls.

    No rewards on: Fuel, cash advances, EMI conversions, tolls (from 28 Aug 2026)

    Bank terms Checked 2026-10-11

  62. #72
    Flipkart SBI Credit Card

    SBI Card · ₹499 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    4% select merchants per third-party sites: Zomato, Uber, PVR, Netmeds (SBI shows the list as an image). PVR INOX 4% as a select merchant.

    Caps & rules

    • 5% on Flipkart (incl. Shopsy, Flipkart Travel), 7.5% on Myntra, 5% on Cleartrip and 4% at select merchants; each capped at ₹4,000 per quarter (counted from your first transaction).
    • 1% elsewhere, uncapped.
    • Cleartrip currently also has a 12% off coupon offer.

    No rewards on: Fuel, wallet, rent, jewellery, government, gaming, education, insurance, bills paid via SBI Card standing instructions/fetch-and-pay, Merchant EMI/Flexipay

    Bank terms Checked 2026-09-27

  63. #73
    HDFC Millennia Credit Card

    HDFC Bank · ₹1,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    5% only on the 10 named brands (also Sony LIV, Cult.fit), non-EMI. Uber counts only for rides. Instamart isn't one of the 10.

    Caps & rules

    • 5% on 10 brands capped at 1,000 CashPoints per calendar month.
    • 1% on other spends capped at 1,000 CashPoints per month.
    • 1 CashPoint = ₹1 against the statement.

    No rewards on: Fuel, rent, government, wallet/gift card loads, EMI, third-party education payments

    Bank terms Checked 2026-09-27

  64. #74
    PhonePe SBI Card PURPLE

    SBI Card · ₹499 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    3% on PhonePe bills, recharges and travel, 2% on other online spends, 1% elsewhere, with points worth ₹1. Caps cut from 1 July 2026. Electricity and insurance 3% only when paid in the PhonePe app.

    Caps & rules

    • 3 reward points per ₹100 on PhonePe spends (capped at 1,000 a month, insurance 250), 2 per ₹100 on other online spends (capped at 750 a month), 1 per ₹100 elsewhere.
    • 1 point = ₹1.
    • ₹499 fee waived at ₹1 Lakh.

    No rewards on: Fuel, rent, wallet loads; from 1 Jul 2026 tolls, jewellery, education and non-PhonePe utilities

    Bank terms Checked 2026-10-11

  65. #75
    BOBCARD Cashback Credit Card

    Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    5% on any domestic online spend (1% plus 4% extra), with the extra 4% capped at ₹1,500 a cycle; 1% after that and on other spends. Needs at least 4 transactions in the cycle. It's a Mastercard, so it can't be used for UPI. Electricity paid online counts as online spend (5%). Grocery apps earn nothing (BOBCARD excludes supermarket MCCs).

    Caps & rules

    • Domestic e-commerce: 1% plus 4% accelerated cashback, the accelerated part capped at ₹1,500 per statement.
    • POS and international: 1%, uncapped.
    • Minimum 4 transactions per cycle for the accelerated cashback.
    • Cashback credited to the next statement.

    No rewards on: Transactions under ₹100, fuel, cash withdrawals, quasi-cash and the MCCs in BOBCARD's annexure

    Bank terms Checked 2026-10-18

  66. #76
    HDFC Pixel Go Credit Card

    HDFC Bank · ₹250 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    Flat 1% everywhere when paying directly. 5% only when buying through HDFC SmartBuy (flights, hotels, vouchers), capped at 500 CashPoints a month.

    Caps & rules

    • 1% unlimited cashback as PIXEL CashPoints (1 CashPoint = ₹1).
    • 5% on HDFC SmartBuy spends, capped at 500 CashPoints a month.
    • RuPay variant: 1% on UPI.
    • Managed in PayZapp.

    No rewards on: Fuel, EMI and other HDFC excluded categories

    Bank terms Checked 2026-10-11

  67. #77
    Axis Bank SuperMoney RuPay Credit Card

    Axis Bank · Lifetime Free

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    Card payments on any of these sites earn 1%. The 3% is only for UPI QR scans made in the super.money app.

    Caps & rules

    • 3% only on UPI QR payments made through the super.money app, capped at the cashback you earn on other spends that cycle (or ₹100 if that is lower than ₹100).
    • No cashback on any spend under ₹100.
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: Utilities, telecom, rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI

    Bank terms Checked 2026-09-27

  68. #78
    ICICI Bank Sapphiro Credit Card

    ICICI Bank · ₹3,500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    No merchant accelerators. BookMyShow buy-one-get-one up to ₹500 twice a month is an offer, not a rate.

    Caps & rules

    • 2 Reward Points per ₹100 on domestic spends, 4 per ₹100 international, 1 per ₹100 on utilities and insurance.
    • Milestones: 4,000 points at ₹4 Lakh plus 2,000 per extra ₹1 Lakh (max 20,000 a year).
    • Valued at ₹0.25 per point.

    No rewards on: Fuel, rent, government, EMI, cash advances; utilities and insurance earn at a reduced rate

    Bank terms Checked 2026-09-28

  69. #79
    ICICI Bank Rubyx Credit Card

    ICICI Bank · ₹3,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    About 0.5% on domestic spends and 1% international, at ₹0.25 a point.

    Caps & rules

    • 2 reward points per ₹100 on domestic spends (except fuel), 4 per ₹100 on international spends, 1 per ₹100 on utilities and insurance.
    • Points worth about ₹0.25.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  70. #80
    YES Bank POP CLUB Credit Card

    YES Bank · Free

    −3.01%

    1% back − 4.01% markup

    Apply now Full review Conditions

    Online 5% values POPcoins at ₹0.50. On POP partner brands where a coin is worth the full ₹1, online is up to 10%. UPI earns the offline rate (1%).

    Caps & rules

    • 10 POPcoins per ₹100 on online (e-commerce) spends and 2 per ₹100 on all other spends, including UPI.
    • Minimum ₹100 per transaction.
    • 1,500 bonus POPcoins on ₹1.5 Lakh spend in a card year, which also waives the ₹399 fee.
    • POPcoins are credited after each statement and expire after 1 year.
    • POP says a POPcoin is worth up to ₹1, but coins can only be used on POP Club and its partner brands, so they're valued at ₹0.50 here.

    No rewards on: Fuel, rent, wallet loads, government, marketing/advertising, ATM withdrawals, utilities, insurance premiums, EMI; education from 1 Jun 2026

    Bank terms Checked 2026-10-11

  71. #81
    American Express® Platinum ReserveSM Credit Card

    American Express · ₹10,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    About 1% in points plus a ₹1,000 voucher in any month you spend ₹50,000.

    Caps & rules

    • 1 Membership Rewards point per ₹50.
    • ₹1,000 voucher for spending ₹50,000 in a calendar month (up to ₹12,000 a year).
    • The 3X Reward Multiplier portal is reported to close on 30 Sep 2026.
    • Fee ₹10,000, waived at ₹10 Lakh annual spend.
    • 3.5% forex markup.

    No rewards on: Fuel, utilities, insurance, EMI conversions, cash

    Bank terms Checked 2026-10-11

  72. #82
    American Express® Platinum Travel Credit Card

    American Express · ₹5,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    About 1% on spends; most of the value is in the milestone rewards, which were cut in 2026. New applications have been reported paused since March 2025.

    Caps & rules

    • 1 Membership Rewards point per ₹50.
    • Milestones from 10 Sep 2026: 10,000 bonus points at ₹4 Lakh and a ₹20,000 Taj Experiences voucher at ₹7 Lakh annual spend (the ₹1.9 Lakh bonus was removed).
    • Lounge access from 1 Oct 2026 needs ₹1 Lakh spend in the previous quarter.

    No rewards on: Fuel, utilities, insurance, EMI conversions, cash

    Bank terms Checked 2026-10-11

  73. #83
    American Express Membership Rewards® Credit Card

    American Express · ₹1,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    About 1% plus monthly bonuses: 1,000 points for 4 spends of ₹1,500+ and 1,000 more for ₹20,000 in a month, which makes it closer to 2.5% for ₹20,000 a month. New applications have been reported paused since March 2025.

    Caps & rules

    • 1 Membership Rewards point per ₹50.
    • 1,000 bonus points for 4 transactions of ₹1,500+ in a calendar month, and 1,000 for spending ₹20,000 in a month.
    • Points worth about ₹0.50 on vouchers and Marriott transfers, about ₹0.25 as statement credit.

    No rewards on: Fuel, utilities, insurance, EMI conversions, cash

    Bank terms Checked 2026-10-11

  74. #84
    IndiGo SBI Card ELITE

    SBI Card · ₹4,999 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    7 BluChips per ₹100 on IndiGo (3.5% valuing BluChips at ₹0.50; 7% at ₹1), 2 per ₹100 elsewhere.

    Caps & rules

    • 7 IndiGo BluChips per ₹100 on IndiGo bookings, 3 per ₹100 on hotel and travel categories, 2 per ₹100 elsewhere.
    • Up to 24,000 milestone BluChips a year.
    • ₹4,999 fee.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  75. #85
    American Express SmartEarn™ Credit Card

    American Express · ₹495 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    10X Membership Rewards on Flipkart, Uber, BookMyShow and Zomato and 5X on Amazon, valuing points at ₹0.50. The caps are low: 10X stops after about ₹2,500 of spend a month.

    Caps & rules

    • 1 Membership Rewards point per ₹50 on most spends.
    • 10X on Flipkart, Uber, BookMyShow and other partners, capped at 500 points a month for them together; Zomato and EaseMyTrip have a separate 500 cap.
    • 5X on Amazon, capped at 250 points a month.
    • Points are worth about ₹0.50 on vouchers and Marriott transfers, about ₹0.25 as statement credit.

    No rewards on: Fuel, utilities, insurance, EMI conversions, cash

    Bank terms Checked 2026-10-11

  76. #86
    Jupiter Edge+ RuPay Credit Card

    CSB Bank · ₹499 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    10% at the 10 named shopping brands, but each brand stops at about ₹600 of rewards per statement cycle and ₹200 per transaction, so 10% only applies to the first ₹2,000 of each order. Reliance Digital is one of the 10 named brands.

    Caps & rules

    • 50% Jewels (10%) on Amazon, Flipkart, Myntra, Tata CLiQ, AJIO, Nykaa, Croma, Reliance Digital, Trent/Tata Retail and Reliance Retail, capped at 1,000 Jewels per transaction (about ₹200), 3,000 per merchant (about ₹600) and 10,000 per statement cycle (about ₹2,000).
    • 25% (5%) on Jupiter Flights, capped at 5,000 per cycle.
    • 5% Jewels (1%) on everything else incl. UPI, unlimited.
    • 5 Jewels = ₹1 for gold and vouchers; ₹0.14 per Jewel as statement credit from 1 Jun 2026.

    No rewards on: ATM withdrawals, rent, wallet loads, insurance premiums, fuel

    Bank terms Checked 2026-10-11

  77. #87
    HSBC Taj Credit Card

    HSBC Bank · ₹4,999 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    About 1% everywhere and 3.3% at Taj, SeleQtions and Vivanta hotels. Points can only be used with IHCL (Taj stays, dining, spas, gift cards).

    Caps & rules

    • 1.5 reward points per ₹100 on most spends, 5 per ₹100 at Taj, SeleQtions, Gateway and Vivanta.
    • 1.5 points = ₹1 within the IHCL ecosystem.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  78. #88
    IRCTC HDFC Bank Credit Card

    HDFC Bank · ₹500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    5% on IRCTC train bookings (website or Rail Connect app), valuing points at ₹1 against IRCTC tickets. Booking through HDFC SmartBuy adds another 5% cashback, also capped at ₹1,000 a month.

    Caps & rules

    • 5 reward points per ₹100 on IRCTC ticketing website and Rail Connect app; accelerated points capped at 1,000 a month and 12,000 a year.
    • 1 point per ₹100 on other spends.
    • Extra 5% cashback on IRCTC bookings made through HDFC SmartBuy.
    • Points are best redeemed against train tickets.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI (HDFC standard exclusions)

    Bank terms Checked 2026-10-11

  79. #89
    Adani One ICICI Platinum Credit Card

    ICICI Bank · ₹750 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    1% on everyday domestic spends and 3% across the Adani ecosystem, valuing Adani Reward Points at ₹1. Points can only be used in the Adani One app; one reviewer values them at about ₹0.25.

    Caps & rules

    • 3 Adani Reward Points per ₹100 on Adani One ecosystem spends, 1.5 per ₹100 international, 1 per ₹100 other domestic, 0.5 on utilities and insurance.
    • Rewards are uncapped and credited to the Adani One app.
    • ₹750 fee waived at ₹3 Lakh annual spend.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  80. #90
    Kotak Air Credit Card

    Kotak Bank · ₹1,499 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    1% everywhere in Air Miles worth ₹1 each on Kotak Unbox flights and hotels; 3% when you book travel through Kotak Unbox.

    Caps & rules

    • 3 Air Miles per ₹100 on flights and hotels booked through Kotak Unbox (capped at 5,000 miles a cycle), 1 per ₹100 elsewhere.
    • 1 Air Mile = ₹1 on Kotak Unbox travel.
    • Lounge access needs ₹60,000 spend in the previous quarter.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  81. #91
    Tata Neu Plus SBI Card

    SBI Card · ₹499 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    2% in NeuCoins at Tata brands (Tata CLiQ, BigBasket, Tata 1mg, Croma), 1% elsewhere. Buying on the Tata Neu app with NeuPass adds up to 5% on select categories. Tata Neu app shows up to 7% (2% plus up to 5% with NeuPass on select categories).

    Caps & rules

    • 2% NeuCoins on non-EMI spends at Tata Neu and partner Tata brands, 1% on other spends (including UPI on the RuPay variant, capped at 500 NeuCoins a month).
    • Extra 5% on select categories on the Tata Neu app.
    • 1 NeuCoin = ₹1.
    • ₹499 fee waived at ₹1 Lakh.

    No rewards on: Fuel, rent, wallet loads, EMI and Flexipay

    Bank terms Checked 2026-10-11

  82. #92
    IndianOil RBL Bank XTRA Credit Card

    RBL Bank · ₹1,500 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    IndianOil 7.5% in points (+1% surcharge waiver) at select IOCL stations, up to 2,000 points a month. Telecom recharges (Airtel/Jio) aren't excluded; electricity-type bills are.

    Caps & rules

    • 15 Fuel Points per ₹100 at select IndianOil stations (7.5%), capped at 2,000 points a month (≈₹13,300 of fuel); plus 1% fuel surcharge waiver (₹500-₹4,000 txns, up to ₹200/month) = 8.5% total.
    • 2 points per ₹100 elsewhere.
    • 1 Fuel Point = ₹0.50, redeemable for IndianOil XTRA rewards.
    • 1,000 bonus points on ₹75,000 per quarter.

    No rewards on: Utilities (4900), insurance, quasi-cash, rent, education, wallets, government, contracted services, cash, railways

    Bank terms Checked 2026-10-03

  83. #93
    IndiGo Axis Bank Premium Credit Card

    Axis Bank · ₹5,000 + Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    7 BluChips per ₹100 on IndiGo (3.5% valuing BluChips at ₹0.50; 7% at ₹1), 3 per ₹100 on grocery and hotels, 2 per ₹100 elsewhere.

    Caps & rules

    • 7 IndiGo BluChips per ₹100 on IndiGo, 3 per ₹100 on grocery and hotels, 2 per ₹100 on other spends.
    • BluChips spend only on IndiGo.
    • ₹5,000 fee.

    No rewards on: Fuel, rent, wallet loads, government, tolls (from 28 Aug 2026)

    Bank terms Checked 2026-10-11

  84. #94
    IndiGo Kotak XL Credit Card

    Kotak Bank · 1st Year Fee: ₹3,000* Plus Applicable Taxes

    −3.13%

    1% back − 4.13% markup

    Apply now Full review Conditions

    The card itself gives 6 BluChips per ₹100 on IndiGo (3% at ₹0.50 a BluChip); the advertised 21 includes IndiGo's own loyalty-tier earn. 3 per ₹100 on dining, grocery and entertainment, 2 elsewhere.

    Caps & rules

    • 6 BluChips per ₹100 on IndiGo from the card (up to 21 including IndiGo's tier earn), 3 per ₹100 on dining, grocery and entertainment, 2 per ₹100 on other spends.
    • BluChips spend only on IndiGo.
    • ₹3,000 fee.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  85. #95
    SBI Card MILES

    SBI Card · ₹1,499 + Taxes

    −3.29%

    0.25% back − 3.54% markup

    Apply now Full review Conditions

    Travel Credits valued at ₹0.50 on SBI's travel portal: 0.5% on travel, 0.25% elsewhere. Converting 1:1 to airline and hotel partners doubles that.

    Caps & rules

    • 2 Travel Credits per ₹200 on travel, 1 per ₹200 on other spends.
    • 1 Travel Credit = ₹1 when converted to airline or hotel partners, ₹0.50 on travel bookings, ₹0.25 on the catalogue.
    • 5,000 bonus credits at ₹5 Lakh annual spend.

    No rewards on: Fuel, rent, utilities, wallet loads, insurance

    Bank terms Checked 2026-10-11

  86. #96
    IndusInd Bank Pinnacle Credit Card

    IndusInd Bank · ₹12,999 + Taxes

    −3.38%

    0.75% back − 4.13% markup

    Apply now Full review Conditions

    About 1.9% on online shopping, 1.1% on online travel and 0.75% in store, valuing points at IndusInd's ₹0.75 cash credit.

    Caps & rules

    • 2.5 reward points per ₹100 on e-commerce, 1.5 per ₹100 on online travel and airlines, 1 per ₹100 at point of sale.
    • 1 point = ₹0.75 as cash credit (IndusInd's terms cap cash credit at 25,000 points a cycle) or 1:1 to airline miles.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  87. #97
    ICICI Bank Expression Credit Card

    ICICI Bank · ₹499 + Taxes

    −3.38%

    0.75% back − 4.13% markup

    Apply now Full review Conditions

    About 0.75% at ₹0.25 a point. The card's draw is the custom card design, not the rewards.

    Caps & rules

    • 3 reward points per ₹100 on retail spends, 1 per ₹100 on utilities and insurance.
    • Points redeem for vouchers, travel and products.
    • ₹499 + GST fee, waived at ₹1.5 Lakh annual spend.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  88. #98
    Axis Bank Cashback Credit Card

    Axis Bank · 1st Year Fee: ₹1,000* Plus Applicable Taxes

    −3.38%

    0.75% back − 4.13% markup

    Apply now Full review Conditions

    Online shows 5%, the middle tier (monthly online spend of ₹5,001 to ₹40,000). It's 2% if you spend under ₹5,000 online in the month, 7% on spend above ₹40,000. Travel sites (MMT, Cleartrip, Goibibo, IRCTC, IndiGo) earn 0.75%. Airtel/Jio bills paid online count as online spend.

    Caps & rules

    • Online (non-travel) spends earn tiered cashback on the month's net online spend: 2% on the first ₹5,000, 5% from ₹5,001 to ₹40,000, 7% above ₹40,000; total capped at ₹4,000 per statement month.
    • Offline and travel (airlines, hotels, travel agencies, rail) earn 0.75% uncapped.
    • Utilities (MCC 4816/4899/4900) earn 0.5%, capped at ₹100 per statement.
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: Tolls, insurance, education, jewellery, government, wallet, rent, fuel, gift cards

    Bank terms Checked 2026-09-27

  89. #99
    Standard Chartered Rewards Credit Card

    Standard Chartered · ₹1,000 + Taxes

    −3.46%

    0.67% back − 4.13% markup

    Apply now Full review Conditions

    4 points per ₹150 on retail spends (about 0.67% at ₹0.25 a point), plus 4 bonus points per ₹150 on monthly spend above ₹20,000 (up to 2,000 bonus points a cycle).

    Caps & rules

    • 4 reward points per ₹150 on retail spends.
    • Additional 4 per ₹150 on monthly retail spend above ₹20,000, max 2,000 bonus points per statement cycle.
    • 4,000 points on paying the annual fee if not waived (waived at ₹1.5 Lakh).
    • Point value taken as ₹0.25.

    No rewards on: Fuel, cash withdrawals

    Bank terms Checked 2026-10-11

  90. #100
    IRCTC SBI Card Premier

    SBI Card · ₹1,499 + Taxes

    −3.33%

    0.8% back − 4.13% markup

    Apply now Full review Conditions

    Up to 10% back as points on AC and Chair Car train tickets booked on IRCTC (lower on other classes), with points worth ₹1 against IRCTC tickets. About 0.8% elsewhere.

    Caps & rules

    • Up to 10% value back as reward points on AC1, AC2, AC3, Executive and Chair Car tickets booked on irctc.co.in or the IRCTC app.
    • 1 point = ₹1 against IRCTC tickets.
    • 1% railway transaction charge waiver.
    • 2,500 bonus points at ₹50,000 and 5,000 at ₹1 Lakh annual travel spend.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  91. #101
    IndianOil Axis Bank Premium Credit Card

    Axis Bank · ₹1,000 + Taxes

    −3.46%

    0.67% back − 4.13% markup

    Apply now Full review Conditions

    4% at IndianOil (6 EDGE Miles per ₹150) and about 0.67% elsewhere, valuing EDGE Miles at ₹1 on Travel EDGE.

    Caps & rules

    • 6 EDGE Miles per ₹150 on fuel at IndianOil outlets, 1 per ₹150 elsewhere.
    • EDGE Miles are worth ₹1 on Travel EDGE, or transfer to partners such as IndiGo BluChips at 2:1.

    No rewards on: Rent, wallet loads, government payments, tolls (from 28 Aug 2026)

    Bank terms Checked 2026-10-11

  92. #102
    HDFC IndianOil Credit Card

    HDFC Bank · ₹500 + Taxes

    −3.49%

    0.64% back − 4.13% markup

    Apply now Full review Conditions

    5% in Fuel Points at IndianOil, on groceries and on bill payments, valuing a Fuel Point at ₹0.96 when converted to IndianOil XTRAREWARDS. The grocery and bill rates stop at about ₹96 a month each.

    Caps & rules

    • 5% as Fuel Points at IndianOil outlets (max 250 a month for the first 6 months, then 150).
    • 5% on groceries and on bill payments (POS and online), max 100 Fuel Points a month in each.
    • 1 Fuel Point per ₹150 on other spends, including UPI.
    • 1 Fuel Point = 3 XTRAREWARDS points (₹0.96); only ₹0.20 as statement credit or catalogue.

    No rewards on: Rent, wallet loads, government payments, EMI (HDFC standard exclusions)

    Bank terms Checked 2026-10-11

  93. #103
    World Prime Credit Card

    RBL Bank · ₹3,000 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    1% on online spends (2X) and 0.5% elsewhere, at RBL's ₹0.25 a point. ₹99 + GST per redemption.

    Caps & rules

    • 2 reward points per ₹100; 2X on online spends (max 1,000 reward points).
    • 10,000 points at ₹1.5 Lakh and 10,000 more at ₹3.5 Lakh annual spend.
    • 1 point worth ₹0.11 to ₹0.25 on RBL Rewards.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  94. #104
    Kotak Cashback+ Credit Card

    Kotak Bank · ₹750 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    5% is by merchant category, online only: grocery, food delivery and movies. Airtel DTH (MCC 4899) would earn 5% but mobile/broadband bills are utilities and earn nothing. Amazon Fresh or Flipkart grocery orders coded 5411 may also get 5%. Dining out earns 5% only when paid online, for example through District or Dineout.

    Caps & rules

    • 5% on online grocery (MCC 5411 etc.), online food delivery/restaurants (5812, 5814) and online entertainment (movies, OTT, DTH); 3% on fuel.
    • The 5% and 3% share one cap of ₹750 cashback per billing cycle, then 0%.
    • 0.5% elsewhere, uncapped.
    • UPI spends on the RuPay variant earn only 0.5%.
    • Redeem on Kotak Unbox; cashback expires after 1 year.

    No rewards on: Rent, B2B, utilities, insurance, education, government, wallet, online skill gaming, EMI, balance transfer

    Bank terms Checked 2026-09-28

  95. #105
    SBI Card Pulse

    SBI Card · ₹1,499 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    2.5% on pharmacy, dining and movies, assuming the merchant is coded in those categories (most food delivery and medicine apps are). No published monthly cap.

    Caps & rules

    • 10 reward points per ₹100 on chemist, pharmacy, sports, dining and movies; 2 per ₹100 on other spends.
    • 4 points = ₹1.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  96. #106
    Standard Chartered Manhattan Credit Card

    Standard Chartered · ₹999 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    5% cashback at supermarkets and grocery (online grocery counts if coded as grocery), up to ₹500 a month. About 0.5% elsewhere (3 points per ₹150).

    Caps & rules

    • 5% cashback on grocery, supermarket and department store spends, max ₹150 per transaction and ₹500 a month.
    • 3 reward points per ₹150 on other spends.
    • 5,000 reward points on paying the joining fee.

    No rewards on: Fuel, cash withdrawals

    Bank terms Checked 2026-10-11

  97. #107
    IndianOil Kotak Credit Card

    Kotak Bank · ₹499 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    4% at IndianOil (plus 1% surcharge waiver) and 2% on groceries and dining, at ₹0.25 a point on Kotak's rewards portal (about ₹0.20 as cash).

    Caps & rules

    • 24 reward points per ₹150 at IndianOil outlets, capped at 1,200 points per statement cycle.
    • 12 per ₹150 on groceries (select MCCs) and dining, capped at 800 points per cycle.
    • Points worth about ₹0.25 on the Kotak rewards portal.
    • ₹449 fee waived at ₹50,000 annual spend.

    No rewards on: Rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  98. #108
    SBI Card PRIME

    SBI Card · ₹2,999 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    Same dining caveat as ELITE for Swiggy/Zomato. Movies included on PRIME. Utility bills earn 5% only via SBI Card standing instructions, not Google Pay/PhonePe. Electricity 5% only via SBI Card standing instructions.

    Caps & rules

    • 10 points per ₹100 on dining, departmental stores, movies and grocery; 20 points per ₹100 on utility bills paid by standing instruction on the SBI Card app (first 3,000 points); 20 per ₹100 around your birthday (2,000 points a year).
    • 2 per ₹100 elsewhere.
    • 4 points = ₹1.

    No rewards on: Fuel, rent, wallet loads, government, gaming, education, EMI/Flexipay

    Bank terms Checked 2026-09-27

  99. #109
    HPCL ICICI Coral Credit Card

    ICICI Bank · ₹199 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    3.5% at HPCL pumps (2.5% cashback, max ₹100 a month, plus 1% surcharge waiver). About 0.5% on other spends. HPCL: 2.5% cashback up to ₹100 a month, plus the 1% surcharge waiver.

    Caps & rules

    • 2.5% cashback on HPCL fuel (min ₹500 per transaction), capped at ₹100 a month, plus a 1% fuel surcharge waiver.
    • 2 points per ₹100 on retail purchases, 1 per ₹100 on utilities and insurance.
    • Points worth about ₹0.25.

    No rewards on: Fuel (other than the HPCL cashback), rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  100. #110
    ICICI Bank Coral Credit Card

    ICICI Bank · ₹500 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    No merchant accelerators. Offers only: 25% off (up to ₹100) on BookMyShow and INOX twice a month.

    Caps & rules

    • 2 Reward Points per ₹100 on retail, 1 per ₹100 on utilities and insurance.
    • Milestones: 2,000 points at ₹2 Lakh annual spend plus 1,000 per extra ₹1 Lakh (max 10,000 a year).
    • Valued at ₹0.25 per point (typical ICICI redemption).

    No rewards on: Fuel, rent, government, EMI, cash advances; utilities and insurance earn at a reduced rate

    Bank terms Checked 2026-09-28

  101. #111
    ICICI Bank HPCL Super Saver Credit Card

    ICICI Bank · Joining/Annual Fee: ₹500 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    5% on groceries, department stores and utility bills, but only on about ₹2,000 a month in total. 5% at HPCL pumps (4% cashback up to ₹200 a month plus 1% surcharge waiver). HPCL: 4% cashback up to ₹200 a month, plus the 1% surcharge waiver.

    Caps & rules

    • 4% cashback on HPCL fuel, capped at ₹200 a month, plus 1% surcharge waiver.
    • 20 reward points per ₹100 (5%) on groceries, department stores and utilities, capped at 400 points a month in total.
    • About 0.5% on other spends.
    • ₹500 fee waived at ₹1.5 Lakh annual spend.

    No rewards on: Rent, wallet loads, government payments, non-HPCL fuel

    Bank terms Checked 2026-10-11

  102. #112
    ICICI Platinum Chip Credit Card

    ICICI Bank · Free

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    No merchant accelerators.

    Caps & rules

    • 2 Reward Points per ₹100 on retail, 1 per ₹100 on utilities and insurance.
    • Lifetime free.
    • Valued at ₹0.25 per point.

    No rewards on: Fuel, rent, government, EMI, cash advances; utilities and insurance earn at a reduced rate

    Bank terms Checked 2026-09-28

  103. #113
    Standard Chartered EaseMyTrip Credit Card

    Standard Chartered · ₹350 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    2.5% on airline and hotel websites (10X), 0.5% elsewhere, at ₹0.25 a point. Booking on EaseMyTrip itself gets 20% off hotels and 10% off flights as instant discounts.

    Caps & rules

    • 10 reward points per ₹100 at standalone airline and hotel websites, apps and outlets; 2 per ₹100 on other retail spends.
    • 1 point = ₹0.25.
    • 20% off hotels and 10% off flights on EaseMyTrip with code EMTSCB.
    • ₹350 fee waived at ₹50,000 annual spend.

    No rewards on: Fuel, cash withdrawals

    Bank terms Checked 2026-10-11

  104. #114
    Marriott Bonvoy HDFC Bank Credit Card

    HDFC Bank · ₹3,000 + Taxes

    −3.53%

    0.6% back − 4.13% markup

    Apply now Full review Conditions

    About 0.6% on everyday spends, valuing a Marriott Bonvoy point at ₹0.30. The card's real value is the yearly Free Night Award, not the earn rate.

    Caps & rules

    • 2 Marriott Bonvoy points per ₹150 on most spends (one source reports per ₹200 from May 2026), 4 at restaurants and outlets inside Marriott hotels, 8 at Marriott hotels.
    • A Free Night Award (up to 15,000 points) on joining and each renewal, plus more at ₹6, ₹9 and ₹15 Lakh annual spend.
    • Points are worth more on high-value hotel stays.

    No rewards on: Fuel, rent, government payments, wallet loads, EMI

    Bank terms Checked 2026-10-11

  105. #115
    Reliance SBI Card PRIME

    SBI Card · ₹2,999 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    5% on AJIO and JioMart online (reported by CardAdvisor; SBI's page lists 2.5% at Reliance Retail stores), 1.25% on dining, movies and domestic airlines, 0.5% elsewhere. Points only redeem as Reliance Retail vouchers. Reliance Digital counts as a Reliance Retail store (2.5%).

    Caps & rules

    • 10 reward points per ₹100 at participating Reliance Retail stores (not UPI); 20 per ₹100 on AJIO and JioMart online (per CardAdvisor).
    • 5 per ₹100 on dining, movies, domestic airlines and international.
    • 2 per ₹100 elsewhere.
    • 1 point = ₹0.25 in Reliance Retail vouchers.
    • Milestone vouchers at ₹1.5 and ₹3 Lakh.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  106. #116
    Apollo SBI Card SELECT

    SBI Card · ₹1,499 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    10% at Apollo 24|7 and Apollo Pharmacy, 2% on dining, movies and travel, 0.5% elsewhere. Points are worth ₹1 but can only be used as Apollo Health Credits.

    Caps & rules

    • 10 reward points per ₹100 at Apollo 24|7 and Apollo Pharmacy; 2 per ₹100 on dining, movies and entertainment, and travel; 1 per ₹200 on other spends.
    • Capped at 5,000 points per statement cycle (applied separately to two categories).
    • 1 point = 1 Apollo Health Credit = ₹1, usable only with Apollo.
    • Apollo accrual depends on Apollo's merchant list.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  107. #117
    Cheq AU Credit Card

    AU Small Finance Bank · ₹499 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    Rates for the Visa card, valuing CheQ points at ₹0.50 (2 points = ₹1, for flights, hotels and vouchers in the CheQ app). Partner brands earn 6%, other online, food, grocery and travel spends 2.5%. Bills paid in the CheQ app earn 24 points per ₹200 but redeem at 4 points = ₹1 (3%). Cashback redemption is worth ₹0.25 a point, which halves every rate. Electricity 3% when paid in the CheQ app (24 points per ₹200, 4 points = ₹1).

    Caps & rules

    • Visa variant (and UPI via the CheQ app): 24 CheQ points per ₹200 at partner brands (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn, CheQ Travel) and on bills paid in the CheQ app.
    • 10 points per ₹200 on food delivery, marketplaces, apparel, electronics, grocery and travel.
    • 5 points per ₹200 on other UPI via the CheQ app.
    • 2 points per ₹200 elsewhere.
    • Accelerated points capped at 12,000 a month (about ₹6,000).
    • Min ₹200 per transaction.
    • 2 points = ₹1 on flights, hotels and vouchers; 4 points = ₹1 for bill payments and cashback.
    • RuPay card swipes on partners earn only 2 points per ₹200.

    No rewards on: Wallets, jewellery/gold, rent, insurance, education, government, fuel, EMI, gaming, cash

    Bank terms Checked 2026-10-11

  108. #118
    Google Pay Flex SBI Card

    SBI Card · ₹499 + Taxes

    −3.73%

    0.4% back − 4.13% markup

    Apply now Full review Conditions

    0.4% normally (2 Stars per ₹500), rising to 0.8% once you spend ₹15,000 in a month and 1.6% at ₹30,000. Earns on fuel too. Stars are worth ₹1 as cashback on UPI payments in Google Pay.

    Caps & rules

    • 2 Stars per ₹500 spent cumulatively (if you spent ₹100+ the previous cycle), 1 per ₹500 otherwise.
    • Up to 4X on reaching ₹15,000 in a month and up to 8X at ₹30,000.
    • Capped at 18,000 Stars a year.
    • 1 Star = ₹1, redeemed as instant cashback on Google Pay UPI payments or vouchers.
    • ₹499 fee waived at ₹1 Lakh annual spend.

    No rewards on: SBI Card standard exclusions; fuel does earn Stars

    Bank terms Checked 2026-10-11

  109. #119
    IRCTC RBL Bank Credit Card

    RBL Bank · ₹500 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    2.5% on IRCTC train tickets (5 points per ₹200), 0.5% elsewhere, valuing points at ₹1 when used for IRCTC bookings (Point+Pay).

    Caps & rules

    • 5 reward points per ₹200 on IRCTC train bookings (capped at 1,000 points a month), 2 per ₹200 on IRCTC flights, hotels and cruises, 1 per ₹200 elsewhere.
    • 1 point = ₹1 when redeemed on IRCTC via Point+Pay.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  110. #120
    IndiGo SBI Card

    SBI Card · ₹1,499 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    3 BluChips per ₹100 on IndiGo (1.5% valuing BluChips at ₹0.50 on IndiGo flights; 3% at ₹1), 1 per ₹100 elsewhere.

    Caps & rules

    • 3 IndiGo BluChips per ₹100 on IndiGo bookings, 2 per ₹100 on travel categories, 1 per ₹100 elsewhere.
    • 2,500 BluChips welcome, up to 7,500 in milestones.
    • BluChips are IndiGo's dynamically priced currency, worth roughly ₹0.50 to ₹1.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  111. #121
    Axis Bank My Zone Credit Card

    Axis Bank · ₹500 + Taxes

    −3.73%

    0.4% back − 4.13% markup

    Apply now Full review Conditions

    Points are low (0.4%). Offers not shown as %: ₹120 off Swiggy food orders, BOGO on District movies, Cleartrip 7% flights / 18% hotels once a month.

    Caps & rules

    • 4 EDGE Reward Points per ₹200.
    • Main value is offers, not points: flat ₹120 off on Swiggy food delivery, buy-one-get-one on District movie tickets, 7% off flights and 18% off hotels on Cleartrip once a month each.
    • From 1 Apr 2026: 1,000 bonus points on ₹1.5 Lakh annual spend (Sony LIV renewal benefit ended).
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: From 1 Apr 2026: movies, fuel, insurance, utilities and telecom, rent, wallet loads, jewellery, education, government. Also gift cards, tolls (from 28 Aug 2026), EMI

    Bank terms Checked 2026-10-11

  112. #122
    YES Bank ACE Credit Card

    YES Bank · ₹499 + Taxes

    −3.63%

    0.5% back − 4.13% markup

    Apply now Full review Conditions

    Online 1%, offline 0.5% at ₹0.25/point.

    Caps & rules

    • 8 YES Rewardz points per ₹200 online (1%), 4 per ₹200 offline (0.5%), 2 per ₹200 on some other categories, at ₹0.25 per point on flights and hotels (vouchers can be worth less).
    • Points capped at 5,000 per statement cycle.
    • 3.5% forex markup.

    No rewards on: From 15 Jun 2026: rent, wallet, fuel, UPI, government, marketing/advertising, insurance, education, railways, toll, ferry, cash, EMI

    Bank terms Checked 2026-10-11

  113. #123
    HSBC RuPay Platinum Credit Card

    HSBC Bank · ₹0 (Lifetime Free)

    −3.8%

    0.33% back − 4.13% markup

    Apply now Full review Conditions

    About 0.33% at ₹0.25 a point; transfers to airline and hotel partners in the HSBC app are worth more. Works on UPI.

    Caps & rules

    • 2 reward points per ₹150, convertible to airline miles and hotel points in the HSBC app or cashed out at about ₹0.25.
    • RuPay card, so it can be used on UPI.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  114. #124
    HSBC Visa Platinum Credit Card

    HSBC Bank · Free

    −3.8%

    0.33% back − 4.13% markup

    Apply now Full review Conditions

    About 0.33% at ₹0.25 a point. Transferring points to airline and hotel partners (2 points = 1 mile) is worth more. 5X on spend above ₹4 Lakh a year.

    Caps & rules

    • 2 reward points per ₹150.
    • 5X on annual spend above ₹4 Lakh.
    • Points can be cashed out at about ₹0.25 or transferred to airline and hotel partners.

    No rewards on: Fuel, rent, wallet loads, government payments

    Bank terms Checked 2026-10-11

  115. #125
    BOBCARD HPCL Energie Credit Card

    Bank of Baroda · ₹499 + Taxes

    −3.8%

    0.33% back − 4.13% markup

    Apply now Full review Conditions

    Fuel rewards are at HPCL only: 4% in points plus 1% surcharge waiver, on about ₹6,250 of fuel a cycle. Utilities (MCC 4812, 4899) and department stores earn 1.67%. Everything else, including these apps and sites, earns 0.33%.

    Caps & rules

    • 24 RP per ₹150 at HPCL outlets, LPG and HP Pay; 10 RP per ₹150 on utilities (MCC 4812, 4899) and department stores (MCC 5311); each capped at 1,000 RP per statement.
    • 2 RP per ₹150 elsewhere.
    • 1 RP = ₹0.25.
    • Surcharge waiver at HPCL capped at ₹100 a statement.

    No rewards on: HP Pay wallet loads and direct debits, transactions under ₹150, and the MCCs in BOBCARD's annexure

    Bank terms Checked 2026-10-18

  116. #126
    Axis Bank REWARDS Credit Card

    Axis Bank · ₹1,000 + Taxes

    −3.81%

    0.32% back − 4.13% markup

    Apply now Full review Conditions

    10X (3.2%) only at apparel and department stores, so Myntra and AJIO qualify if they're coded that way. Everything else earns 0.32%.

    Caps & rules

    • 2 EDGE points per ₹125 on most spends; 20 per ₹125 at apparel and department stores, with the extra 18 capped at 1,008 points a statement month (about ₹7,000 of spend).
    • 1 EDGE point = ₹0.20.
    • Only merchants registered under apparel or department store codes qualify.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI, tolls (from 28 Aug 2026)

    Bank terms Checked 2026-10-11

  117. #127
    Kotak UPI Rupay Credit Card

    Kotak Bank · Free

    −3.83%

    0.3% back − 4.13% markup

    Apply now Full review Conditions

    Flat 0.3% everywhere at Kotak's ₹0.10 per point.

    Caps & rules

    • 3 Reward Points per ₹100 on UPI and card spends.
    • 1,000 points = ₹100 (₹0.10 each, min 1,000 to redeem); lower for cash value.
    • That works out to 0.3% back.

    No rewards on: Rent, fuel, railway, wallet, EMI, education, balance transfer. From 1 Jun 2025: wallet loads, online skill gaming, insurance, government, rent, education and fuel earn nothing; utility spends earn only up to ₹35,000 per statement cycle

    Bank terms Checked 2026-09-28

  118. #128
    Kotak League Platinum Credit Card

    Kotak Bank · Free

    −3.86%

    0.27% back − 4.13% markup

    Apply now Full review Conditions

    Special categories 8 per ₹150 (0.53%); everything else 4 per ₹150 (0.27%) until ₹2 Lakh a year, then 0.53%.

    Caps & rules

    • 8 Reward Points per ₹150 on special categories (travel agencies, airlines, electronics, durable goods, department stores); 4 per ₹150 elsewhere until ₹2 Lakh annual spend, then 8 everywhere.
    • ₹0.10 per point for vouchers/recharges; ₹0.07 to ₹0.10 as cash value (min 2,000 points).
    • 5,000 points on joining.

    No rewards on: From 1 Jun 2025: wallet loads, online skill gaming, insurance, government, rent, education and fuel earn nothing; utility spends earn only up to ₹35,000 per statement cycle

    Bank terms Checked 2026-09-28

  119. #129
    RBL Bank ShopRite Credit Card

    RBL Bank · Free

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    Grocery 5% only up to ~₹5,000 a month. RBL's T&C excludes fuel from points, even though some sites quote a fuel value-back.

    Caps & rules

    • 20 points per ₹100 on grocery (5%), capped at 1,000 points per calendar month (≈₹5,000 of grocery), then 1 per ₹100.
    • 1 point per ₹100 elsewhere.
    • 10% off BookMyShow movie tickets (max ₹100).
    • 1 point = ₹0.25.

    No rewards on: Fuel & auto, utilities, insurance, railways, real estate, cash, Bills2Pay, miscellaneous, EMI

    Bank terms Checked 2026-10-03

  120. #130
    HDFC Bank UPI RuPay Credit Card

    HDFC Bank · ₹99 + GST

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    '3% CashPoints' is 3 CashPoints per ₹100 at ₹0.25 each, so 0.75% real value on groceries and dining, 0.5% on bills and 0.25% elsewhere. Works on UPI too.

    Caps & rules

    • 3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp; 2 per ₹100 on utilities; 1 per ₹100 on other spends; each tier capped at 500 CashPoints a calendar month.
    • Applies to UPI and card spends.
    • 1 CashPoint = ₹0.25 against the statement (min ₹500).

    No rewards on: Rent, wallet loads, EMI, fuel, insurance, government

    Bank terms Checked 2026-10-11

  121. #131
    Doctor's SBI Card

    SBI Card · ₹1,499 + Taxes

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    1.25% on medical supplies and travel (5X), assuming pharmacy apps are coded as medical. 0.25% elsewhere. The main reason to hold it is the ₹20 Lakh professional indemnity cover.

    Caps & rules

    • 5 reward points per ₹100 on medical supplies, travel bookings and international spends (and all spends on 1 July, Doctors' Day), capped at 7,500 points a month for medical and travel together, and separately for international.
    • 1 point per ₹100 elsewhere.
    • 4 points = ₹1.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  122. #132
    HDFC MoneyBack+ Credit Card

    HDFC Bank · ₹500 + Taxes

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    10X = 20 CashPoints per ₹200 at ₹0.25 each = 2.5%. Reliance Smart SuperStore (Reliance Fresh/Smart stores) also gets 10X, but JioMart is not listed. Base 2 per ₹200 = 0.25%.

    Caps & rules

    • 10X (20 CashPoints per ₹200) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, capped at 2,500 CashPoints per month (about ₹25,000 of spend).
    • Max 15,000 points per statement cycle.
    • 1 CashPoint = up to ₹0.25 against the statement.

    No rewards on: Fuel, rent, government, wallet/gift card loads, EMI, third-party education payments

    Bank terms Checked 2026-10-11

  123. #133
    IndusInd Bank Platinum Aura Edge Credit Card

    IndusInd Bank · ₹500 + Taxes

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    Shows the best of the 4 plans per merchant; you only get the plan you pick: grocery apps 2% on Home, Swiggy/Zomato 2% on Party (if coded as restaurants), IndiGo 1.25% on Travel, Croma 1% on Shop. Dining out 2% needs the Party plan.

    Caps & rules

    • You choose one of 4 plans (points per ₹100, 1 point = ₹0.50 or 0.5 airline mile): Shop - department stores 4, electronics 2, restaurants/books 1.5; Home - grocery 4, medical 1.5, phone/electricity/insurance 1.4; Travel - hotels 4, airlines 2.5, car rental/rail 1.5; Party - restaurants 4, department stores/bars 2, movies 1.5.
    • Everything else 0.5 (0.25%).
    • Cash redemption capped at 2,500 points a month since Sep 2024.

    No rewards on: Fuel (since Apr 2018); some categories revised Aug 2019

    Bank terms Checked 2026-10-03

  124. #134
    SBI SimplyCLICK Credit Card

    SBI Card · ₹499 + Taxes

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    Instamart isn't named as a partner.

    Caps & rules

    • 10X (10 points per ₹100) at partners: Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, GyFTR, Tata CLiQ.
    • 5X (5 per ₹100) on other online spends, capped at 10,000 points per month.
    • 1 point per ₹100 offline.
    • 4 points = ₹1.
    • Cleartrip/Yatra via affiliate links don't get 10X.

    No rewards on: Fuel, rent, wallet loads, government, gaming, education, EMI/Flexipay; utility bills paid on the SBI Card app/website don't get 5X

    Bank terms Checked 2026-09-27

  125. #135
    AU LIT Credit Card

    AU Small Finance Bank · Lifetime Free

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    Shows the free base rate only. With paid features: up to 2.5% on online or offline spends (10X), or 5% on grocery or apparel.

    Caps & rules

    • Base 1 Reward Point per ₹100 (max 10,000 per cycle).
    • Paid 90-day features add 5X/10X on online or offline spends (up to 2.5% at ₹0.25/point), 5% cashback on grocery or apparel (max ₹500 per 30 days), milestone cashback, lounge visits.
    • Feature prices change; check the AU 0101 app.
    • Point value assumed ₹0.25.

    No rewards on: Cash, BBPS, EMI, fuel, EV charging, rent, education, government; utilities/telecom max 100 points per txn

    Bank terms Checked 2026-10-03

  126. #136
    BPCL SBI Card Octane

    SBI Card · ₹1,499* Plus Applicable Taxes

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    7.25% at BPCL fuel stations (25 points per ₹100 plus 1% surcharge waiver). 2.5% on dining, groceries and movies. 0.25% elsewhere. BPCL counts the 25 points per ₹100 (6.25%); the 1% surcharge waiver is on top.

    Caps & rules

    • 25 reward points per ₹100 on BPCL fuel, lubricants and Bharat Gas, capped at 2,500 points per billing cycle.
    • 10 points per ₹100 on dining, groceries, departmental stores and movies, capped at 7,500 a month.
    • 1 point per ₹100 elsewhere.
    • 4 points = ₹1 (₹0.25), also redeemable for BPCL fuel.

    No rewards on: Rent (from 15 Apr 2024), non-BPCL fuel, wallet loads, government payments

    Bank terms Checked 2026-10-11

  127. #137
    LIC Signature Credit Card

    LIC Cards · Free

    −3.93%

    0.2% back − 4.13% markup

    Apply now Full review Conditions

    About 0.2% on most spends and 0.4% on LIC premiums and international spends, at roughly ₹0.20 a point. ₹30 per redemption.

    Caps & rules

    • 2 reward points per ₹100 on LIC premiums and international spends, 1 per ₹100 elsewhere.
    • Points worth about ₹0.20 on the catalogue (min 1,000 to redeem, ₹30 fee).

    No rewards on: Fuel, wallet loads, EMI conversions

    Bank terms Checked 2026-10-11

  128. #138
    Cookies Credit Card

    RBL Bank · ₹500 + Taxes

    −3.93%

    0.2% back − 4.13% markup

    Apply now Full review Conditions

    10% cashback at Zomato, Myntra and Uber (orders over ₹100, max ₹300 a month each). Other online spends earn 5 points per ₹100 worth up to ₹0.20 each (1%).

    Caps & rules

    • 10% cashback on Zomato, Myntra and Uber, capped at ₹300 per brand and ₹900 a month in total, on transactions over ₹100.
    • 5 reward points per ₹100 online and 1 per ₹100 offline, redeemable at up to ₹0.20 each.
    • ₹100 monthly fee, waived if you spent ₹5,000 the previous month.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  129. #139
    Reliance SBI Card

    SBI Card · ₹499 + Taxes

    −3.88%

    0.25% back − 4.13% markup

    Apply now Full review Conditions

    2.5% on AJIO and JioMart, 1.25% at Reliance stores, dining and movies, 0.25% elsewhere. Points only redeem as Reliance Retail vouchers. Reliance Digital counts as a Reliance store (1.25%), not online AJIO/JioMart.

    Caps & rules

    • 10 reward points per ₹100 on AJIO and JioMart online, 5 per ₹100 at other Reliance Retail stores (not UPI), 5 per ₹100 on dining and movies, 1 per ₹100 elsewhere.
    • 1 point = ₹0.25 in Reliance Retail vouchers.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  130. #140
    BOBCARD Easy Credit Card

    Bank of Baroda · ₹500 + Taxes (first year free)

    −3.93%

    0.2% back − 4.13% markup

    Apply now Full review Conditions

    5 points per ₹100 (1% at ₹0.20 a point) at department stores (MCC 5311) and movie halls (MCC 7832); 0.2% elsewhere. Online shopping sites aren't department stores, so they earn 0.2%.

    Caps & rules

    • 5X (5 RP per ₹100) on department stores (MCC 5311) and movies (MCC 7832), capped at 1,000 RP per statement cycle.
    • 1 RP per ₹100 elsewhere.
    • 1 RP = ₹0.20 as cashback.

    No rewards on: Fuel, UPI for 5X, and the MCCs in BOBCARD's annexure

    Bank terms Checked 2026-10-18

  131. #141
    Standard Chartered Super Value Titanium Credit Card

    Standard Chartered · ₹750 + Taxes

    −3.96%

    0.17% back − 4.13% markup

    Apply now Full review Conditions

    5% cashback on phone bills (over ₹750), fuel (up to ₹2,000 a fill) and utility bills, each capped at ₹100 to ₹200 a cycle. About 0.17% on other spends.

    Caps & rules

    • 5% cashback on fuel at all stations (transactions up to ₹2,000), max ₹100 per transaction and ₹200 per statement cycle.
    • 5% on telephone bills over ₹750, max ₹100 per transaction and ₹200 per cycle.
    • 5% on utility bills over ₹750, max ₹100 per cycle.
    • 1 reward point per ₹150 on other spends.
    • ₹750 fee.

    No rewards on: Cash withdrawals

    Bank terms Checked 2026-10-11

  132. #142
    Standard Chartered Platinum Rewards Card

    Standard Chartered · ₹250 + Taxes

    −3.96%

    0.17% back − 4.13% markup

    Apply now Full review Conditions

    5X points (about 0.83%) on fine dining and fuel with no monthly cap; about 0.17% elsewhere.

    Caps & rules

    • 5 reward points per ₹150 at fine-dining outlets and on fuel, 1 per ₹150 elsewhere, with no monthly cap.
    • Points redeem for vouchers and products on Standard Chartered 360° Rewards.

    No rewards on: Cash withdrawals

    Bank terms Checked 2026-10-11

  133. #143
    SBI SimplySAVE Credit Card

    SBI Card · ₹499 + Taxes

    −3.96%

    0.17% back − 4.13% markup

    Apply now Full review Conditions

    1.67% (10 points per ₹150) on dining, movies, departmental stores and grocery, up to 5,000 points a month; 0.17% elsewhere.

    Caps & rules

    • 10 reward points per ₹150 on dining, movies, departmental stores and grocery, capped at 5,000 points a month; 1 per ₹150 elsewhere.
    • 4 points = ₹1.

    No rewards on: Fuel, rent, wallet loads, government payments, EMI

    Bank terms Checked 2026-10-11

  134. #144
    Kotak 811 Credit Card

    Kotak Bank · Free

    −4.03%

    0.1% back − 4.13% markup

    Apply now Full review Conditions

    0.2% online, 0.1% offline. Very low value; the card's appeal is easy approval, not rewards.

    Caps & rules

    • 2 Reward Points per ₹100 online, 1 per ₹100 offline.
    • Valued at ₹0.10 per point (Kotak's rate for recharge/shopping redemptions).
    • 500 bonus points on ₹3,000 spend in 30 days; 3 PVR tickets on ₹75,000 annual spend.

    No rewards on: From 1 Jun 2025: wallet loads, online skill gaming, insurance, government, rent, education and fuel earn nothing; utility spends earn only up to ₹35,000 per statement cycle

    Bank terms Checked 2026-09-28

  135. #145
    Axis Bank Neo Credit Card

    Axis Bank · Free

    −4.03%

    0.1% back − 4.13% markup

    Apply now Full review Conditions

    Blinkit 10% is an instant discount, max ₹250, min order ₹750, once a month. Zomato gets flat ₹120 off (not a %). Base points are tiny (0.1%).

    Caps & rules

    • 1 EDGE Reward Point per ₹200.
    • Value comes from offers: flat ₹120 off on Zomato, 10% off Blinkit (up to ₹250, min ₹750, once a month, code AXISNEO), 5% off Paytm recharges/bills, Cleartrip flight/hotel discounts.
    • The 10% BookMyShow offer ended 31 Mar 2026.
    • Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

    No rewards on: Utilities & telecom (except the card's own bill channel), rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI

    Bank terms Checked 2026-09-27

  136. #146
    HDFC Freedom Credit Card

    HDFC Bank · ₹500 + Taxes

    −4.05%

    0.07% back − 4.13% markup

    Apply now Full review Conditions

    10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber is still under 1% because a CashPoint is worth ₹0.15. Rates use the per ₹200 earn reported from 15 May 2026.

    Caps & rules

    • 1 CashPoint per ₹200 on most spends (reported from 15 May 2026; per ₹150 before).
    • 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber (non-EMI), capped at 2,500 CashPoints a calendar month.
    • Max 15,000 CashPoints per statement cycle.
    • 1 CashPoint = ₹0.15 as cashback.

    No rewards on: Fuel, EMI, rent, government payments, wallet loads and voucher purchases

    Bank terms Checked 2026-10-11

  137. #147
    ICICI Amazon Pay Credit Card

    ICICI Bank · Free

    −4.13%

    0% back − 4.13% markup

    Apply now Full review Conditions

    Amazon 5% needs Prime (3% otherwise). Paying through Amazon Pay at partner apps like Swiggy or BookMyShow earns 2%, but paying the card directly there earns 1%. Bills and recharges paid outside Amazon earn nothing since Oct 2025 (telecom assumed to count as utility). Electricity 2% when paid through Amazon Pay bills on Amazon; nothing elsewhere.

    Caps & rules

    • 5% on Amazon.in for Prime members (3% without Prime), excluding gold coins and flight/hotel bookings via Amazon Pay.
    • 2% on digital categories, when paying with Amazon Pay at partner merchants, and on physical gift cards.
    • 1% elsewhere.
    • All uncapped, credited as Amazon Pay balance.
    • From 11 Oct 2025: no rewards on education, international spends or utility bills paid outside Amazon.

    No rewards on: Fuel, gold/silver/precious metals, tax payments, rent, EMI, education, international spends, utilities outside Amazon

    Bank terms Checked 2026-09-28

  138. #148
    PhonePe HDFC Bank Ultimo Credit Card

    HDFC Bank · ₹2,999 + Taxes

    −4.13%

    0% back − 4.13% markup

    Apply now Full review Conditions

    Only listed spends earn: 10% on PhonePe recharges, bills and travel, 5% at Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, 1% on UPI scan and pay. Other card spends earn nothing. Points valued at ₹1 as statement credit (on request).

    Caps & rules

    • 10% reward points on select PhonePe categories (recharges, bills, travel), capped at 1,000 points a month.
    • 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, capped at 500 a month.
    • 1% on UPI Scan & Pay.
    • Points worth ₹1 as statement credit on request, less on the catalogue.
    • ₹999 fee waived at ₹2 Lakh annual spend.

    No rewards on: All spends outside the listed categories earn no points; fuel

    Bank terms Checked 2026-10-11

  139. #149
    PhonePe HDFC Bank Uno Credit Card

    HDFC Bank · ₹499 + Taxes

    −4.13%

    0% back − 4.13% markup

    Apply now Full review Conditions

    Only listed spends earn: 2% on PhonePe recharges, bills and travel; 1% at Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber; 1% on UPI scan and pay. Other card spends earn nothing. Points valued at ₹1 as statement credit (on request); ₹0.30 on the catalogue.

    Caps & rules

    • 2% reward points on select PhonePe categories (recharges, utilities, bills, travel), 1% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, 1% on UPI Scan & Pay; each capped at 500 points a calendar month (up to 1,500 a month).
    • Points worth ₹1 as statement credit on request, ₹0.30 on catalogue, flights and hotels.
    • Points expire after 1 year.

    No rewards on: All spends outside the listed categories earn no points; fuel (1% surcharge waiver only)

    Bank terms Checked 2026-10-11

Show 5 invite-only cards
  1. –
    IDFC FIRST Private Credit Card Invite only

    IDFC FIRST Bank · ₹50,000 + Taxes

    3.33%

    3.33% back − 0% markup

    Apply now Full review Conditions

    10X (10 points per ₹150) on domestic spends, worth 6.67% when points go to travel booked in the IDFC FIRST app at ₹1 each, or 1.67% elsewhere (₹0.25). Invite only.

    Caps & rules

    • 10X reward points on eligible domestic spends and 5X on international, per ₹150.
    • 1 point = ₹1 on travel bookings in the IDFC FIRST app, ₹0.25 elsewhere.
    • 50 bonus points on hotels and 20 on flights booked in the app.
    • 50,000 points on paying the commencement fee.
    • Points never expire.
    • Invite only.

    No rewards on: Fuel, EMI, ATM cash withdrawals

    Bank terms Checked 2026-10-11

  2. –
    IDFC FIRST Gaj Metal Credit Card Invite only

    IDFC FIRST Bank · 1st Year Fee: ₹12,500* Plus Applicable Taxes

    3.33%

    3.33% back − 0% markup

    Apply now Full review Conditions

    Up to 3.33% on card spends (5 points per ₹150) when points go to travel booked in the IDFC FIRST app at ₹1 each; 0.83% if redeemed elsewhere (₹0.25). Up to 33% back on hotels and 16.7% on flights booked in the app. Invite only.

    Caps & rules

    • Up to 5 reward points per ₹150 on card spends, 3 per ₹150 international.
    • 45 bonus points per ₹150 on hotels and 20 on flights booked in the IDFC FIRST app.
    • 1 point = ₹1 on travel bookings in the app (Tripstacc), ₹0.25 otherwise.
    • Complimentary 3rd night for every 2 paid.

    No rewards on: Fuel, EMI, ATM cash withdrawals

    Bank terms Checked 2026-10-11

  3. –
    Kotak Solitaire Credit Card Invite only

    Kotak Bank · ₹25,000 + Taxes

    3%

    3% back − 0% markup

    Apply now Full review Conditions

    3% everywhere (3 Air Miles per ₹100, worth ₹1 each on Kotak Unbox travel) and 10% on flights and hotels booked through Kotak Unbox. Invite only, for Kotak Solitaire banking members.

    Caps & rules

    • 10 Air Miles per ₹100 on flights and hotels via Kotak Unbox (accelerated miles capped at 1,00,000 a cycle), 3 per ₹100 elsewhere.
    • 1 Air Mile = ₹1 on Unbox travel, ₹0.50 on vouchers; partner transfers 2:1.
    • No miles on international or EMI transactions.

    No rewards on: International transactions, EMI, fuel, rent, wallet loads

    Bank terms Checked 2026-10-11

  4. –
    Axis Bank Burgundy Private Credit Card Invite only

    Axis Bank · ₹50,000 + Taxes

    1.5%

    1.5% back − 0% markup

    Apply now Full review Conditions

    1.5% at ₹0.20 per EDGE point. Burgundy Private keeps the 5:4 partner transfer ratio, which can be worth about 6%.

    Caps & rules

    • 15 EDGE reward points per ₹200 on retail and international spends.
    • 1 EDGE point = ₹0.20 on the catalogue; transfers to partners at 5:4.
    • For Axis Burgundy Private banking clients.

    No rewards on: Fuel, rent, wallet loads, government, EMI conversions, tolls (from 28 Aug 2026)

    Bank terms Checked 2026-10-11

  5. –
    Axis Bank Primus Credit Card Invite only

    Axis Bank · ₹50,000* Plus Applicable Taxes

    1%

    1% back − 0% markup

    Apply now Full review Conditions

    1 EDGE Mile per ₹100 on everything, including rent, fuel, utilities and insurance: 1% at ₹1 per mile, more on partner transfers.

    Caps & rules

    • 1 EDGE Mile per ₹100 on all spends, including rent, utilities, insurance, fuel and travel.
    • EDGE Miles transfer 1:5 to airline and hotel partners.
    • Invitation-only; ₹3 Lakh + GST annual fee.

    No rewards on: Cash advances

    Bank terms Checked 2026-10-11

Ranked by what each card actually returns on regular spending at International spends, after caps, so a high rate that stops early can rank below a steadier one. Rewards usable only through one channel (a travel portal, the bank's app or brand vouchers) count for a little less than cashback. Rates are from each bank's terms for paying on International spends's own site or app; bank portal discounts and vouchers aren't counted.

Questions about International spends rewards

Which credit card is best for international spends?

Scapia Credit Card leaves you the most: 2% back, minus a 0% forex markup including GST, so about 2% net, followed by BOBCARD Eterna Credit Card (1.39% net). Most Indian cards charge a 3.5% markup plus GST (4.13%), which wipes out their rewards.

What is a forex markup?

A fee your bank adds when you pay in a foreign currency, in a shop abroad or on a foreign website. GST at 18% is charged on top of it. Zero-markup cards skip it entirely, so every reward they pay is a real gain.

Should I pay in rupees when a shop abroad offers it?

No. That's dynamic currency conversion: the merchant chooses the exchange rate, usually worse than your card network's, and many banks still charge a cross-border fee. Always pay in the local currency.

Best card for other merchants

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