Best Best Credit Cards Credit Cards in India

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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 & more; 2.5% all other online; 1% offline

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
✓ 2.5% cashback on all other online transactions
✓ 1 domestic lounge visit (or ₹1,000 gift voucher) per quarter on ₹1L spend
✓ Straightforward cashback, credited directly as statement credit

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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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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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; 1% cashback on offline spends

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
✓ Generous monthly cashback cap of up to ₹4,000 per statement cycle
✓ Annual renewal fee waived on reaching ₹2 Lakh in annual spends

Limitations

✕ Excludes utility, insurance, rent, wallet, fuel, jewelry, and school fee spends from cashback
✕ 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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Scapia Credit Card

4.7/5

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access

Rewards Type Reward Points

Rewards Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

Welcome Benefits

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

Card Details +

Key Advantages

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

Limitations

✕ Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
✕ No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
✕ Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold

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KIWI UPI RuPay Credit Card

4.7/5

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends

Rewards Type Cashback

Rewards Rate

Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)

Welcome Benefits

Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback

Card Details +

Key Advantages

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

Limitations

✕ Top 5% cashback requires optional Kiwi Neon subscription and annual spend milestones
✕ Minimum balance of 500 Kiwis (₹125) required to trigger cashback redemption
✕ No reward points earned on fuel, rent, wallet, insurance, telecom, or utility spends

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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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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 ₹150 on foreign currency & travel; 2 points per ₹150 on local spend

Welcome Benefits

20,000 bonus reward points on payment of joining fee

Card Details +

Key Advantages

✓ Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)
✓ 4 reward points per ₹150 on foreign currency and travel transactions
✓ 4 complimentary domestic & 4 international airport lounge visits per year
✓ 20,000 bonus points on joining fully offsets the ₹5,000 joining fee

Limitations

✕ ₹5,000 annual fee charged upfront
✕ 2 reward points per ₹150 on non-travel domestic spends
✕ High spend requirement (₹6 Lakh) for annual fee waiver

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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 & Cult.fit; 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, Uber, PVR and Cult.fit

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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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. Axis Bank ATLAS Credit Card	₹5,000 + Taxes	★ 4.8	Frequent Travelers &...	View →
4. Cashback SBI Credit Card	₹999 + Taxes	★ 4.7	Online Shopping, E-commerce,...	View →
5. Scapia Credit Card	Free	★ 4.7	Frequent Travelers, Zero Forex...	View →
6. KIWI UPI RuPay Credit Card	Free	★ 4.7	Daily UPI Payments, Scan & Pay...	View →
7. HDFC Infinia Credit Card Metal Edition	₹12,500 + Taxes	★ 4.9	High-Net-Worth Individuals &...	View →
8. HSBC TravelOne Credit Card	₹5,000 + Taxes	★ 4.7	Instant Airline & Hotel Loyalty...	View →
9. Flipkart Axis Bank Credit Card	₹500 + Taxes	★ 4.5	Regular Flipkart Shoppers &...	View →

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