Best Best Credit Cards Credit Cards in India

Compare and apply for top Best Credit Cards credit cards.

Best Best Credit Cards Credit Cards in India 2026

HDFC Millennia Credit Card

4.3/5

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Joining Fee ₹1,000 + Taxes

Annual Fee ₹1,000 + Taxes

Best Suited For Urban Millennials & Online Spenders

Rewards Type Cashback

Rewards Rate

5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & 5 more brands; 1% on other spends

Welcome Benefits

₹1,000 cashback on spending ₹1,000+ in first 90 days

Card Details +

Key Advantages

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

Limitations

✕ Only 1% cashback on offline/in-store purchases
✕ 5% cashback capped at ₹750/month (₹9,000/year)
✕ ₹1,000 annual fee (consistent spend needed for waiver)
✕ Cashback credited quarterly, not immediately

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ICICI Amazon Pay Credit Card

4.5/5

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ICICI Amazon Pay Credit Card by ICICI Bank

Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Amazon Shoppers & Digital Payments

Rewards Type Cashback

Rewards Rate

5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay merchants; 1% everywhere else

Welcome Benefits

Up to ₹2,000 in Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on joining

Card Details +

Key Advantages

✓ Zero annual fee, genuinely lifetime free
✓ 5% cashback on Amazon for Prime members
✓ Up to ₹2,000 Amazon Pay balance + EazyDiner & Ixigo vouchers on joining
✓ 2% cashback on 100+ Amazon Pay partner merchants
✓ Cashback credited directly to Amazon Pay balance, with no minimum redemption threshold

Limitations

✕ Only 1% cashback on non-Amazon/non-Amazon Pay spends
✕ Best value tied to an Amazon Prime subscription
✕ No lounge access benefits
✕ Purely cashback, with no travel miles or reward point option

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HSBC Live+ Credit Card

4.0/5

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback

Rewards Type Cashback

Rewards Rate

10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends

Welcome Benefits

N/A

Card Details +

Key Advantages

✓ 10% cashback on dining, food delivery, grocery, utility & shopping spends (shopping category excludes Amazon, Flipkart & Myntra)
✓ Unlimited 1.5% cashback on all other eligible retail spends
✓ Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
✓ Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users

Limitations

✕ Accelerated cashback is capped at ₹1,200 per month
✕ Lounge access reduced to 2 domestic visits/year (from 4) as of July 2026
✕ Wallet loads and cash advances are excluded from cashback

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Cashback SBI Credit Card

4.7/5

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Joining Fee ₹999 + Taxes

Annual Fee ₹999 + Taxes

Best Suited For Online Shopping, E-commerce, Food Delivery & General Outlays

Rewards Type Cashback

Rewards Rate

5% cashback on online spends, capped ₹2,000/statement cycle; 1% cashback on offline spends, capped ₹2,000/statement cycle (revised 1 Apr 2026, previously combined ₹5,000/cycle); excludes gaming, toll, government and other standard-excluded transactions

Welcome Benefits

Auto-credited statement cashback on online and offline transactions

Card Details +

Key Advantages

✓ Flat 5% cashback on eligible online purchases across e-commerce platforms
✓ 1% cashback on offline retail transactions
✓ Auto-credited statement balance cashback without manual redemption steps or fees
✓ Cashback auto-credited to statement, no manual redemption needed
✓ Annual renewal fee waived on reaching ₹2 Lakh in annual spends

Limitations

✕ Excludes utility, insurance, rent, wallet, fuel, jewelry, school fee, digital gaming, toll and government transactions from cashback (gaming/toll/government added April 2026)
✕ Does not offer instant merchant bank discounts during major e-commerce sales
✕ Airport lounge access and travel perks are excluded from the card portfolio

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HDFC Infinia Credit Card Metal Edition

4.9/5

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HDFC Infinia Credit Card Metal Edition by HDFC Bank

Joining Fee ₹12,500 + Taxes

Annual Fee ₹12,500 + Taxes

Best Suited For High-Net-Worth Individuals & Frequent Luxury Travelers

Rewards Type Reward Points

Rewards Rate

5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings

Welcome Benefits

12,500 Reward Points upon fee payment and card activation

Card Details +

Key Advantages

✓ Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)
✓ 10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)
✓ Unlimited complimentary lounge access worldwide for primary & add-on cardholders
✓ Complimentary Club Marriott membership and golf games globally
✓ Low foreign currency markup fee of 2% + Taxes

Limitations

✕ Strict invite-only eligibility criteria and high income threshold
✕ ₹12,500 annual fee charged upfront (offset by 12,500 points on payment)
✕ SmartBuy rewards capped at 15,000 points/month; brand vouchers sub-capped at 3,000 points/month (from Jul 2026)

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Flipkart Axis Bank Credit Card

4.5/5

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Flipkart Axis Bank Credit Card by Axis Bank

Joining Fee ₹500 + Taxes

Annual Fee ₹500 + Taxes

Best Suited For Regular Flipkart Shoppers & E-commerce Spenders

Rewards Type Reward Points

Rewards Rate

7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart & Cleartrip (capped ₹4,000/quarter each); 4% on Swiggy, Uber, PVR & Fitpass; 1% on other spends

Welcome Benefits

₹500 Flipkart joiner e-voucher + up to ₹600 worth of merchant activation offers

Card Details +

Key Advantages

✓ 7.5% cashback on Myntra, capped at ₹4,000 per quarter
✓ 5% cashback on Flipkart and Cleartrip, capped at ₹4,000 per quarter each
✓ 4% cashback on Swiggy food delivery, Uber, PVR and Fitpass

Limitations

✕ No airport lounge access — this benefit was discontinued in June 2025
✕ No cashback on fuel, wallet loads, or EMI transactions
✕ No reward-point option for travelers who prefer airline miles over cashback

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HSBC TravelOne Credit Card

4.7/5

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Joining Fee ₹5,000 + Taxes

Annual Fee ₹5,000 + Taxes

Best Suited For Instant Airline & Hotel Loyalty Transfers Globally

Rewards Type Reward Points

Rewards Rate

4 reward points per ₹100 on flights, travel aggregators & foreign currency (capped 50,000 points/month); 2 points per ₹100 on other spends

Welcome Benefits

₹1,000 cashback + ₹3,000 PostCard voucher + 3 months EazyDiner Prime on ₹25,000 spend in 30 days

Card Details +

Key Advantages

✓ Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)
✓ 4 reward points per ₹100 on flights, travel aggregators and foreign currency
✓ 4 complimentary domestic & 4 international airport lounge visits per year
✓ 20,000 bonus points on joining fully offsets the ₹5,000 joining fee

Limitations

✕ ₹5,000 annual fee charged upfront
✕ 2 reward points per ₹100 on non-travel domestic spends
✕ High spend requirement (₹6 Lakh) for annual fee waiver

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Axis Bank ATLAS Credit Card

4.8/5

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Axis Bank ATLAS Credit Card by Axis Bank

Joining Fee ₹5,000 + Taxes

Annual Fee ₹5,000 + Taxes

Best Suited For Frequent Travelers & Airline/Hotel Miles Transfers

Rewards Type Reward Points

Rewards Rate

5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends

Welcome Benefits

5,000 EDGE Miles upon completing 1st transaction within 30 days

Card Details +

Key Advantages

✓ 1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)
✓ 5 EDGE Miles per ₹100 spent on flight & hotel bookings
✓ Tiered privileges (Silver, Gold, Platinum) with milestone bonus miles up to 10,000 miles
✓ Complimentary domestic & international airport lounge visits
✓ Flexible redemption directly on airline/hotel loyalty programs

Limitations

✕ ₹5,000 annual fee non-waivable via spend milestone (offset by tier miles)
✕ 5X travel miles apply only up to ₹2,00,000 monthly spend; drops to 2X beyond that
✕ Reward redemption requires transferring to partner loyalty accounts

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HDFC Diners Club Black

4.5/5

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Joining Fee ₹10,000 + Taxes

Annual Fee ₹10,000 + Taxes

Best Suited For Premium Luxury, Travel & High Reward Redemption

Rewards Type Reward Points

Rewards Rate

5 reward points per ₹150 on retail; up to 10X via HDFC SmartBuy; 2X on weekend dining

Welcome Benefits

Complimentary Club Marriott, Amazon Prime & Swiggy One membership on joining

Card Details +

Key Advantages

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

Limitations

✕ ₹10,000 annual fee, a high cost of ownership
✕ Requires very high income (₹2.5 Lakh/month for salaried)
✕ Best reward rates are only available through the HDFC SmartBuy portal
✕ Diners Club acceptance lower than Visa/Mastercard internationally

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Best Credit Cards Cards at a Glance

Best Best Credit Cards Credit Cards Comparison Table
Card	Fee	Rating	Best For
1. HDFC Millennia Credit Card	₹1,000 + Taxes	★ 4.3	Urban Millennials & Online Spenders	View →
2. ICICI Amazon Pay Credit Card	Free	★ 4.5	Amazon Shoppers & Digital Payments	View →
3. HSBC Live+ Credit Card	Free	★ 4.0	Everyday Spending, Food...	View →
4. Cashback SBI Credit Card	₹999 + Taxes	★ 4.7	Online Shopping, E-commerce,...	View →
5. HDFC Infinia Credit Card Metal Edition	₹12,500 + Taxes	★ 4.9	High-Net-Worth Individuals &...	View →
6. Flipkart Axis Bank Credit Card	₹500 + Taxes	★ 4.5	Regular Flipkart Shoppers &...	View →
7. HSBC TravelOne Credit Card	₹5,000 + Taxes	★ 4.7	Instant Airline & Hotel Loyalty...	View →
8. Axis Bank ATLAS Credit Card	₹5,000 + Taxes	★ 4.8	Frequent Travelers &...	View →
9. HDFC Diners Club Black	₹10,000 + Taxes	★ 4.5	Premium Luxury, Travel & High...	View →

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