Refpo Credit Cards

Best Credit Cards in India

Browse country-specific cards and compare fees, rewards, and benefits.

HDFC bank

HDFC infinia metal credit card

Get the HDFC Infinia Metal Credit Card — a premium rewards credit card with luxury travel benefits, unlimited lounge access, SmartBuy rewards, and exclusive lifestyle privileges.

Premium metal credit card
Unlimited airport lounge access
Up to 10X SmartBuy rewards

Joining fees

₹12,500 + gst

Renewal fees

₹12,500 + gst

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IDFC bank

IDFC FIRST millennia credit card

Get the IDFC FIRST Millennia Credit Card — a lifetime free credit card with rewards on everyday spending, shopping, dining, and lifestyle benefits.

Lifetime free credit card
Reward points never expire
Accelerated rewards on select spends

Joining fees

Renewal fees

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SBI

SBI Cashback Credit Card

Discover the SBI Cashback Credit Card, India's top choice for online shoppers—enjoy 5% cashback on online spends and 1% on offline purchases.

5% cashback on online spends.
1% cashback on offline spends.
Cashback auto-credited to statement.

Joining fees

₹999 + GST

Renewal fees

₹999 + GST

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HSBC bank

HSBC TravelOne Credit Card

The HSBC TravelOne Credit Card is a premium travel credit card designed for frequent travelers who want airline miles, hotel rewards, and airport lounge access.

Exclusive privileges at The Bicester Collection.
15% off flights, hotel bookings with many platform
Access to the top golf courses in India

Joining fees

₹4,999

Renewal fees

₹4,999

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IDFC FIRST bank

IDFC FIRST classic credit card

Get the IDFC FIRST Classic Credit Card — a lifetime free credit card with rewards on everyday spending, railway lounge access, fuel benefits, and no annual fee forever.

Lifetime free credit card
Reward points never expire
Up to 10X reward points on select spends

Joining fees

Renewal fees

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Bank of Baroda / YES BANK

UNI GoldX Credit Card

UNI GoldX Credit Card is a lifetime-free RuPay credit card that rewards users with 24K digital gold on UPI and card spends while also offering zero forex markup for international transactions.

Earn real 24K digital gold on spends
Zero forex markup on international transactions
Lifetime free card

Joining fees

₹0

Renewal fees

₹0

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IDFC First Bank

IDFC FIRST WOW Credit Card

FD-backed lifetime free credit card with 0% forex markup, UPI support, reward points, and easy approval even for users with low or no credit history. Best suited for beginners and international spending.

Lifetime free credit card
0% forex markup fee
FD-backed approval

Joining fees

₹0

Renewal fees

₹0

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SBM bank

SBM MobiKwik FIRST FD Credit Card

An FD-backed RuPay credit card offered by SBM Bank India in partnership with MobiKwik. Designed mainly for beginners, students, and users without credit history. Provides cashback on UPI and online spends with guaranteed approval against fixed deposit.

Lifetime free FD-backed credit card
Guaranteed approval against FD
No income proof needed

Joining fees

₹0

Renewal fees

₹0

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Axis Bank

Axis Bank super.money RuPay Credit Card

A lifetime free RuPay credit card from Axis Bank and super.money focused mainly on UPI cashback. It offers high cashback on QR Scan & Pay transactions done via the super.money app along with basic rewards and RuPay UPI support.

Lifetime free RuPay credit card
3% cashback on UPI via super.money
1% cashback on other spends

Joining fees

Nil

Renewal fees

Nil

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SBM Bank

SBM ZET Credit Card

FD-backed RuPay credit card launched by ZET in partnership with SBM Bank India. Designed mainly for beginners, students, and users with low or no credit history. Offers UPI payments, cashback, and lifetime free membership.

Lifetime free credit card
FD-backed secured approval
UPI-enabled RuPay card

Joining fees

₹0

Renewal fees

₹0

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Suryodaya Small finance Bank

Stable Money – Suryoday Bank FD Backed Credit Card

An FD-backed RuPay credit card offered through Stable Money in partnership with Suryoday Small Finance Bank. It is designed for beginners, students, low-credit-score users, and people wanting a lifetime free secured credit card with cashback and UPI support.

Lifetime free FD-backed credit card
No income proof required
0.5% cashback on spends

Joining fees

₹0

Renewal fees

₹0

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SBI

SBI Unnati Credit Card

An entry-level FD-backed secured credit card from SBI Card designed mainly for beginners and users wanting to build credit history. It offers basic reward points, milestone cashback, and fuel surcharge waiver with no fee for the first four years.

No annual fee for first 4 years
FD-backed secured credit card
Helps build credit score

Joining fees

₹0

Renewal fees

₹499 from 5th year onwards

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ICICI Bank

ICICI Bank Instant Platinum Credit Card

An FD-backed lifetime free credit card from ICICI Bank designed mainly for beginners and users with no credit history. It offers instant issuance against a Fixed Deposit along with reward points, movie discounts, and fuel surcharge waiver.

Lifetime free credit card
Instant issuance against FD
No income proof generally needed

Joining fees

Nil

Renewal fees

Nil

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Kotak Mahindra Bank

Kotak 811 Dream Different Credit Card

An FD-backed lifetime free secured credit card from Kotak Mahindra Bank designed mainly for beginners and users without credit history. It offers accelerated rewards on online spending, RuPay UPI support, milestone vouchers, and easy approval against Fixed Deposit.

Lifetime free FD-backed credit card
Easy approval without income proof
RuPay UPI support available

Joining fees

Nil in most cases, ₹250 + GST one-time joining fee may apply if approved credit limit is below ₹18,000 or FD below ₹20,000.

Renewal fees

Nil

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Axis Bank

Axis Bank Insta Easy Credit Card

An FD-backed secured credit card from Axis Bank designed for beginners and users without credit history. It offers guaranteed approval against Fixed Deposit, reward points, fuel surcharge waiver, dining discounts, and high cash withdrawal limits.

Guaranteed approval against FD
Helps build CIBIL score
Up to 80% of FD amount as credit limit

Joining fees

Usually Nil according to Axis bank, Some third-party portals mention ₹3,000 + GST variant charges depending on card type and customer category

Renewal fees

Usually Nil for standard Insta Easy variant, Some premium Easy variants may carry fees

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HDFC bank

HDFC bizgrow business credit card

Get the HDFC BizGrow Business Credit Card — a business-focused credit card with rewards on GST payments, utility bills, tax payments, travel, and everyday business spending.

Business-focused credit card
Up to 10X CashPoints on select business spends
Rewards on GST and tax payments

Joining fees

₹500 + GST

Renewal fees

₹500 + GST

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ICICI bank

Amazon pay ICICI credit card

Get the Amazon Pay ICICI Credit Card — a lifetime free credit card with cashback on Amazon shopping, online spending, and everyday purchases.

Lifetime free credit card
5% cashback on Amazon for Prime users
3% cashback for non-Prime users

Joining fees

Renewal fees

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HDFC Bank

HDFC Diners Club Black METAL Credit Card

Unlock luxury with the HDFC Diners Club Black Metal Edition Credit Card. Enjoy premium rewards, unlimited lounge access, and exclusive benefits for travelers.

Unlimited domestic & international airport lounge access.
Up to 10X rewards on SmartBuy.
5 Reward Points per ₹150 spent.

Joining fees

₹10,000/- plus Applicable Taxes

Renewal fees

₹10,000/- plus Applicable Taxes

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HDFC Bank

HDFC Millennia Credit Card

Discover the HDFC Millennia Credit Card, your go-to cashback card for online shopping. Enjoy rewards on platforms like Amazon, Swiggy, and more!

₹1000 worth gift voucher on spends of ₹1 Lakh
Welcome benefit of 1,000 CashPoints
1% fuel surcharge waiver

Joining fees

₹1000

Renewal fees

₹1000

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RBL Bank

IndianOil RBL Bank XTRA Credit Card

Discover the IndianOil RBL Bank XTRA Credit Card, designed for fuel enthusiasts to earn up to 8.5% value-back and enjoy exclusive rewards.

Up to 8.5% savings on IndianOil fuel spends.
Welcome benefit of 3,000 Fuel Points.
Quarterly milestone bonus Fuel Points.

Joining fees

₹1,500 + GST

Renewal fees

₹1,500 + GST

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Federal Bank and BOB card

Scapia credit card

The Scapia Credit Card is a travel-focused co-branded credit card offered with Federal Bank. It is popular for its zero forex markup, making international spending cheaper.

Zero joining fees
Zero annual fees
Zero forex fees

Joining fees

Zero

Renewal fees

Zero

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Compare

Compare Cards

Card 1Card 2

Field	HDFC infinia metal credit card	IDFC FIRST millennia credit card
Bank/provider	HDFC bank	IDFC bank
Joining fee	₹12,500 + gst	0
Renewal fee	₹12,500 + gst	0
Best for	Luxury travel, premium rewards, airport lounge access, dining, and high-spending users	Online shopping, dining, everyday spending, and lifestyle rewards
Reward rate	Earn 5 Reward Points for every ₹150 spent and up to 10X rewards on SmartBuy purchases	Earn reward points on every spend with accelerated rewards on select categories and merchants
Cashback	High-value reward points redemption on flights, hotels, Apple products, vouchers, and SmartBuy bookings	Earn reward points on spending instead of direct cashback benefits
Lounge access	Unlimited Included domestic and international airport lounge access with Priority Pass membership	Included railway lounge access on eligible transactions
Fuel surcharge waiver	1% fuel surcharge waiver on eligible fuel transactions across India	1% fuel surcharge waiver on eligible fuel transactions
Welcome benefit	Get 12,500 welcome reward points and complimentary Club Marriott membership on eligible activation	Enjoy welcome offers and bonus rewards on eligible card activation and spending
Annual fee waiver condition	Annual fee waived on achieving eligible yearly spending milestones	No joining fee and no annual fee for lifetime
Eligibility	Invitation-only premium credit card High income and strong credit profile preferred Existing HDFC relationship may improve eligibility	Age: 21–65 years Salaried and self-employed applicants can apply Stable income source required
Apply link	Apply Now	Apply Now

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