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Best Credit Cards in India

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

HDFC Diners Club Black METAL Credit Card

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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IndianOil RBL Bank XTRA Credit Card

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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HDFC bizgrow business credit card

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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Amazon pay ICICI credit card

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

0

Renewal fees

0

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HDFC Millennia Credit Card

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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Scapia credit card

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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SBI Cashback Credit Card

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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HDFC infinia metal credit card

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 FIRST millennia credit card

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

0

Renewal fees

0

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HSBC TravelOne Credit Card

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 classic credit card

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

0

Renewal fees

0

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UNI GoldX Credit Card

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 WOW Credit Card

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 MobiKwik FIRST FD Credit Card

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 super.money RuPay Credit Card

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 ZET Credit Card

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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Stable Money – Suryoday Bank FD Backed Credit Card

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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ICICI Bank Instant Platinum Credit Card

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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SBI Unnati Credit Card

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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Axis Bank Insta Easy Credit Card

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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Kotak 811 Dream Different Credit Card

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

View Details

Compare

Compare Cards

FieldHDFC Diners Club Black METAL Credit CardIndianOil RBL Bank XTRA Credit Card
Bank/providerHDFC BankRBL Bank
Joining fee₹10,000/- plus Applicable Taxes₹1,500 + GST
Renewal fee₹10,000/- plus Applicable Taxes₹1,500 + GST
Best forLuxury travel, airport lounge access, and maximum reward points on high spending
  • Daily commuters and car/bike owners with high monthly fuel expenses,
  • Users who regularly refuel at IndianOil (IOCL) petrol pumps,
  • People wanting maximum savings on fuel rather than travel/lifestyle perks,
Reward rate
  • Base rewards: 5 Reward Points per ₹150 spent (~3.3% value back),
  • SmartBuy bookings: Up to 10X rewards on hotels/flights, Weekend dining: 2X reward points
  • 15 Fuel Points per ₹100 spent at IndianOil fuel stations,
  • Effective value-back: 7.5%
  • Plus 1% fuel surcharge waiver = total up to 8.5% savings on fuel
  • 2 Fuel Points per ₹100 on other eligible retail spends
CashbackCashback redemption value: around ₹0.30 per point against statement balanceUp to 250 litres of free petrol annually
Lounge accessUnlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card membersNo lounge access
Fuel surcharge waiver1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle
  • 1% fuel surcharge waiver:
  • Valid on fuel transactions between ₹500 and ₹4,000
  • Maximum waiver: ₹200 per month
Welcome benefitAnnual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 daysGet 3,000 Fuel Points (worth about ₹1,500) after paying the joining fee and completing the first eligible transaction within 30 days
Annual fee waiver conditionSpend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal yearAnnual fee is waived on spending ₹2.75 lakh or more in a year
Eligibility
  • Age: 21–60 years (salaried), 21–65 years (self-employed)
  • Salaried income: ₹2.5 lakh+ net monthly income
  • Self-employed: ₹30 lakh+ annual ITR
  • Salaried Applicants:
  • Age: 21–65 years
  • Stable income source
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FAQs

Common questions

How do I choose the best credit card?

Choose a credit card based on spending pattern, annual fees, joining benefits, reward value, eligibility, and waiver conditions.