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Indian Credit Cards Directory

26 cards audited against official RBI MITC documents. Filter by category or bank, compare up to 3.

26 card(s) found

HDFC Infinia Metal Edition
98/100
HDFC Bank
The undisputed monarch of Indian super-premium credit cards.
Annual Fee₹12,500 + GST
Reward3.3% Base to 33.3% via SmartBuy Portal
LoungeUnlimited Domestic & International visits (Priority Pass with free guest access)
Apply Now →
Detailed Review
Axis Bank Atlas Credit Card
96/100
Axis Bank
The premier choice for direct airline and hotel spend optimization.
Annual Fee₹5,000 + GST
Reward5 EDGE Miles per ₹100 on direct Airlines & Hotels
LoungeUp to 12 Domestic + 6 International visits per year (Tier-based: Silver, Gold, Platinum)
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Detailed Review
SBI Cashback Credit Card
95/100
SBI Card
The ultimate zero-hassle online shopping card in India.
Annual Fee₹999 + GST
Reward5% Flat Cashback on online merchant spends
LoungeNo complimentary lounge access
Apply Now →
Detailed Review
Airtel Axis Bank Credit Card
94/100
Axis Bank
The undisputed heavyweight champion for utility bills and food apps.
Annual Fee₹500 + GST
Reward25% on Airtel DTH/Wi-Fi + 10% on Swiggy/Zomato/BigBasket
Lounge4 Domestic Lounge visits per calendar year (Spend-linked: ₹50k in prev quarter)
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Detailed Review
Axis Bank Olympus
94/100
Axis Bank
Ultra-luxury travel with extraordinary international miles accrual.
Annual Fee₹20,000 + GST
Reward4 EDGE Miles per ₹100 domestic + 8 EDGE Miles per ₹100 international
LoungeUnlimited Domestic & International visits + 8 guest visits
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Detailed Review
Amazon Pay ICICI Credit Card
93/100
ICICI Bank
The most popular Lifetime Free card in Indian banking history.
Annual Fee₹0 LTF
Reward5% unlimited Amazon cashback for Prime members
LoungeNo complimentary lounge access
Apply Now →
Detailed Review
AU Small Finance Bank Zenith+
93/100
AU Small Finance Bank
Ultra-low 0.99% forex markup with 32 airport lounge visits per year.
Annual Fee₹4,999 + GST
Reward2.5% to 5% reward on dining and international spends + Low 0.99% Forex
Lounge16 Domestic + 16 International airport lounge visits per year
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Detailed Review
ICICI Emeralde Private Metal
92/100
ICICI Bank
ICICI Bank’s premier invitation-only luxury metal card.
Annual Fee₹12,500 + GST
Reward6 Reward Points per ₹200 (3% uncapped return on all retail spends)
LoungeUnlimited Domestic & International airport lounge visits with free guest access
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Detailed Review
Tata Neu Infinity HDFC RuPay
92/100
HDFC Bank
The gold standard for RuPay UPI QR payments.
Annual Fee₹1,499 + GST
Reward1.5% NeuCoins on UPI QR payments + 10% on Tata Neu App
Lounge8 Domestic + 4 International lounge visits per year
Apply Now →
Detailed Review
American Express Platinum Travel
91/100
American Express
The milestone king: unmatched rewards when hitting ₹4 Lakh spend.
Annual Fee₹5,000 + GST
Reward48,000 MR points + ₹10,000 Taj Stay voucher on ₹4,00,000 spend
Lounge8 Domestic Lounges/year
Apply Now →
Detailed Review
Axis Bank ACE Credit Card
91/100
Axis Bank
The undisputed bill payment powerhouse on Google Pay.
Annual Fee₹499 + GST
Reward5% on Google Pay Bill Payments + 4% on Swiggy/Zomato/Ola
Lounge4 Domestic Lounge visits per year (spend-linked)
Apply Now →
Detailed Review
HSBC Live+ Credit Card
91/100
HSBC India
10% direct statement cashback on dining, food apps, and supermarkets.
Annual Fee₹999 + GST
Reward10% Accelerated Cashback on Dining, Food Delivery, and Groceries
Lounge4 Domestic Lounge visits per year
Apply Now →
Detailed Review
Scapia Federal Credit Card
91/100
Federal Bank
The undisputed king of zero forex markup travel cards.
Annual Fee₹0 LTF
Reward0% Forex Markup on international transactions + Unlimited domestic lounges (spend-linked)
LoungeComplimentary Domestic Lounges upon spending ₹5,000 in previous billing cycle
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Detailed Review
Swiggy HDFC Bank Credit Card
90/100
HDFC Bank
10% direct cashback across the entire Swiggy super app.
Annual Fee₹500 + GST
Reward10% Cashback on Swiggy (Food, Instamart, Dineout, Genie)
LoungeNo complimentary lounge access
Apply Now →
Detailed Review
BPCL SBI Card Octane
90/100
SBI Card
India’s most rewarding fuel credit card by net percentage return.
Annual Fee₹1,499 + GST
Reward7.25% value back on BPCL Fuel & Lubricants + 1% surcharge waiver
Lounge4 Domestic Lounge visits per year
Apply Now →
Detailed Review
Standard Chartered Ultimate
90/100
Standard Chartered
A veteran high-reward powerhouse with flat 3.3% return across everything.
Annual Fee₹5,000 + GST
Reward3.3% Flat Reward Rate on all retail spends (5 RP per ₹150)
Lounge4 Domestic + 4 International visits per quarter via Priority Pass
Apply Now →
Detailed Review
HDFC Millennia Credit Card
89/100
HDFC Bank
HDFC’s flagship cashback card for young professionals.
Annual Fee₹1,000 + GST
Reward5% Cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra
Lounge4 Domestic Lounge visits per year (spend-linked)
Apply Now →
Detailed Review
IDFC FIRST Wealth Credit Card
89/100
IDFC FIRST Bank
The most feature-packed Lifetime Free premium card in India.
Annual Fee₹0 LTF
RewardUp to 10X reward points (2.5% return) + Low 1.5% Forex markup
Lounge4 Domestic + 4 International airport lounges per quarter (Spend-linked: ₹20k/mo)
Apply Now →
Detailed Review
HDFC Regalia Gold
88/100
HDFC Bank
The upgraded gold standard of HDFC’s popular Regalia lineage.
Annual Fee₹2,500 + GST
Reward4 Reward Points per ₹150 + 5X on Marks & Spencer, Myntra, Nykaa
Lounge12 Domestic (Priority Pass for international upon 4 flights)
Apply Now →
Detailed Review
OneCard Metal Credit Card
88/100
FPL (Federal/BOB/CSB)
App-first metallic card with an ultra-low 1% foreign exchange markup.
Annual Fee₹0 LTF
Reward5X rewards on top 2 monthly spending categories
LoungeNo complimentary lounge access
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Detailed Review
RBL World Safari Credit Card
88/100
RBL Bank
Pioneering zero foreign exchange markup on Visa Signature.
Annual Fee₹3,000 + GST
Reward0% Forex Markup on all international currency spends
Lounge2 Domestic visits per quarter + 2 International via Priority Pass
Apply Now →
Detailed Review
IDFC FIRST Classic
87/100
IDFC FIRST Bank
The dependable Lifetime Free starter card with non-expiring reward points.
Annual Fee₹0 LTF
Reward10X points (2.5% return) on spends above ₹20,000 monthly
Lounge4 Domestic Lounge visits per quarter (spend-linked)
Apply Now →
Detailed Review
IndusInd Bank Tiger Credit Card
87/100
IndusInd Bank
Co-branded travel power with an industry-low 1.5% forex markup.
Annual Fee₹0 LTF
RewardUp to 6 Magnifi Points per ₹100 on dining and flights
Lounge2 Domestic & 2 International visits per year
Apply Now →
Detailed Review
SBI Card PRIME
86/100
SBI Card
An all-round mid-premium lifestyle card with Priority Pass lounge access.
Annual Fee₹2,999 + GST
Reward10 Reward Points per ₹100 on dining, groceries, and movies
Lounge8 Domestic + 4 International visits per year via Priority Pass
Apply Now →
Detailed Review
Kotak White Credit Card
85/100
Kotak Mahindra Bank
Clean milestone voucher passes for luxury retail brands.
Annual Fee₹3,000 + GST
RewardWhite Pass vouchers worth up to ₹27,000 on spending ₹12 Lakhs
Lounge4 Domestic Lounge visits per year
Apply Now →
Detailed Review
ICICI Sapphiro Credit Card
84/100
ICICI Bank
Premium entertainment perks with generous BookMyShow privileges.
Annual Fee₹3,500 + GST
RewardBuy 1 Get 1 Free on BookMyShow (Up to ₹500 twice a month)
Lounge4 Domestic + 2 International visits per quarter (Spend-linked: ₹50k/prev quarter)
Apply Now →
Detailed Review