Search and Filter Credit Cards

		Card	Network / Type	Best For	Point Value	Rating	Joining Fee	Annual Fee
		SBI Cashback Credit Card SBI Bank	Visa Cashback	Cashback	Cashback	4.8	₹999	₹999	Apply
APR 45% Foreign Txn Fee 3.5% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% Online 5% Fuel 1% surcharge waiver Report incorrect data
		Club Vistara IDFC FIRST Bank Credit Card IDFC First Bank	Mastercard Co-Branded	Travel	₹1/pt	4.8	₹4,999	₹4,999	Apply
APR 42% Foreign Txn Fee 2.99% Fuel Surcharge None Apply Reward Rates by Category Base 6 CV Points per ₹200 Dining 10 CV Points per ₹200 on birthday dining Fuel 1 CV Point per ₹200 Insurance 1 CV Point per ₹200 Utilities 1 CV Point per ₹200 Rent 1 CV Point per ₹200 Wallet 1 CV Point per ₹200 Report incorrect data
		IDFC FIRST Bank Select Credit Card IDFC First Bank	Visa Regular	Lifestyle	₹0.25/pt	4.8	Free to Join	Lifetime Free	Apply
APR 42% Foreign Txn Fee 1.99% Fuel Surcharge 1% Apply Reward Rates by Category Base 3 reward points per ₹150 Online 10x reward points on purchases above ₹20,000 Insurance 1 reward point per ₹150 Utilities 1 reward point per ₹150 Rent 3 reward points per ₹150 Fuel 1% surcharge waiver Report incorrect data
		Tata Neu Infinity HDFC Bank Credit Card HDFC Bank	Visa Co-Branded	Reward Points	₹1/pt	4.7	₹1,499	₹1,499	Apply
APR 41.88% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Base 1.5% NeuCoins Online 5% NeuCoins on Tata Brands Fuel 1% surcharge waiver Report incorrect data
		SBI SimplyCLICK Credit Card SBI Bank	Mastercard Regular	Rewards	₹0.25/pt	4.7	₹499	₹499	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 reward point per ₹100 Online 10x on partner stores (Cleartrip, BookMyShow, EazyDiner, Netmeds, Apollo 24/7); 5x on all other online spends Fuel 1% surcharge waiver Report incorrect data
		IDFC FIRST Bank Wow Credit Card IDFC First Bank	Visa Regular	Students	₹0.25/pt	4.7	Free to Join	Lifetime Free	Apply
APR 42% Foreign Txn Fee None Fuel Surcharge 1% Apply Reward Rates by Category Base 4x reward points per ₹150 Fuel 1% surcharge waiver Report incorrect data
		Amazon Pay ICICI Bank Credit Card ICICI Bank	Visa Co-Branded	Cashback	Cashback	4.7	Free to Join	Lifetime Free	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% Online 5% on Amazon (Prime), 3% on Amazon (non-Prime), 2% on Amazon Pay partners Fuel 1% surcharge waiver, 5% on first fuel purchase per month Dining 15% off at partner restaurants Report incorrect data
		HDFC Bank Infinia Metal Edition Credit Card HDFC Bank	Visa Premium	Travel	₹1/pt	4.7	₹12,500	₹12,500	Apply
APR 23.88% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Base 5 reward points per ₹150 Fuel 1% surcharge waiver Report incorrect data
		Axis Bank Reserve Credit Card Axis Bank	Visa Premium	Lifestyle	₹0.2/pt	4.7	₹50,000	₹50,000	Apply
APR 42.58% Foreign Txn Fee 1.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 15 EDGE reward points per ₹200 International 2x rewards Fuel 1% surcharge waiver Report incorrect data
		SBI SimplySAVE Credit Card SBI Bank	Mastercard Regular	Shopping	₹0.25/pt	4.6	₹499	₹499	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 reward point per ₹150 Dining 10 reward points per ₹150 Entertainment 10 reward points per ₹150 Groceries 10 reward points per ₹150 Fuel 1% surcharge waiver Report incorrect data
		Axis Bank Ace Credit Card Axis Bank	Visa Regular	Cashback	Cashback	4.6	₹499	₹499	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge None Apply Reward Rates by Category Base 1.5% Utilities 5% via Google Pay Dining 4% on Swiggy and Zomato Travel 4% on Ola Fuel 1% surcharge waiver Report incorrect data
		American Express Platinum Credit Card American Express	American Express Premium	Lifestyle	₹1/pt	4.6	₹60,000	₹60,000	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹40 International 3x points Online 5x via Reward Multiplier Report incorrect data
		IDFC FIRST Bank Wealth Credit Card IDFC First Bank	Visa Premium	Lifestyle	₹0.25/pt	4.6	Free to Join	Lifetime Free	Apply
APR 42% Foreign Txn Fee 1.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 3x reward points per ₹100 Online 6x reward points per ₹100 Fuel 1% surcharge waiver Report incorrect data
		HDFC Bank Regalia Credit Card HDFC Bank	Mastercard Premium	Lifestyle	₹0.2/pt	4.6	₹2,500	₹2,500	Apply
APR 43.2% Foreign Txn Fee 2% Fuel Surcharge 2.50% Apply Reward Rates by Category Base 4 reward points per ₹150 Insurance 4 reward points per ₹150 Utilities 4 reward points per ₹150 Education 4 reward points per ₹150 Fuel 1% surcharge waiver Report incorrect data
		Axis Bank Atlas Credit Card Axis Bank	Visa Travel	Travel	₹1/pt	4.6	₹5,000	₹5,000	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 EDGE Miles per ₹100 Travel 5 EDGE Miles per ₹100 Fuel 1% surcharge waiver Report incorrect data
		HPCL Super Saver Credit Card ICICI Bank	Visa Co-Branded	Fuel	₹0.25/pt	4.6	₹500	₹500	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 reward points per ₹100 Fuel 5% cashback (4% + 1% surcharge) at HPCL Utilities 5% cashback (20 points per ₹100) Groceries 5% cashback (20 points per ₹100) Report incorrect data
		American Express SmartEarn Credit Card American Express	American Express Premium	Rewards	₹0.25/pt	4.5	₹495	₹495	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹50 Online 10x on Flipkart, Amazon, Uber; 5x on Paytm Wallet, Swiggy, BookMyShow Fuel no convenience fee under ₹5,000 at HPCL Report incorrect data
		HDFC Diners Club Metal Edition Credit Card HDFC Bank	Diners Club Premium	Reward Points	₹0.3/pt	4.5	₹10,000	₹10,000	Apply
APR 23.88% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Base 5 reward points per ₹150 Dining 2x reward points (10 per ₹150) on weekend dining Online 10x via SmartBuy Fuel 1% surcharge waiver Report incorrect data
		Axis Bank MyZone Credit Card Axis Bank	Mastercard Regular	Lifestyle	₹0.2/pt	4.5	₹500	₹500	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 4 EDGE reward points per ₹200 Entertainment BOGO on movie tickets Dining 15% off up to ₹500 via EazyDiner Fuel 1% surcharge waiver Report incorrect data
		Kotak Indigo Ka-ching 6E Rewards Credit Card Kotak Bank	Visa Co-Branded	Travel	₹1/pt	4.5	₹700	₹700	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% on other spends Travel 3% on IndiGo spends, 10% at IndiGo partners Dining 2% rewards Groceries 2% rewards Entertainment 2% rewards Report incorrect data
		HSBC Premier Credit Card HSBC Bank	Mastercard Premium	Lifestyle	₹1/pt	4.5	₹12,000	₹20,000	Apply
APR 35.88% Foreign Txn Fee 0.99% Fuel Surcharge 1% Apply Reward Rates by Category Base 3 reward points per ₹100 Fuel 1% surcharge waiver Report incorrect data
		American Express Platinum Travel Credit Card American Express	American Express Travel	Travel	₹0.5/pt	4.5	₹3,500	₹5,000	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹50 Fuel 0% fee on fuel under ₹5,000 at HPCL Report incorrect data
		Swiggy HDFC Bank Credit Card HDFC Bank	Mastercard Co-Branded	Dining	Cashback	4.5	₹500	₹500	Apply
APR 43.20% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% Online 5% on online spends Dining 10% on Swiggy (food ordering, Instamart, Dineout, Genie) Report incorrect data
		IDFC FIRST Bank Millennia Credit Card IDFC First Bank	Visa Regular	Rewards	₹0.25/pt	4.5	Free to Join	Lifetime Free	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 reward point per ₹100 Online 6x reward points per ₹100 Fuel 1% surcharge waiver Report incorrect data
		American Express Membership Rewards Credit Card American Express	American Express Regular	Rewards	₹0.5/pt	4.5	₹1,000	₹4,500	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Fuel No convenience fee for transactions under ₹5,000 at HPCL Report incorrect data
		HDFC Bank Millennia Credit Card HDFC Bank	Mastercard Regular	Cashback	Cashback	4.5	₹1,000	₹1,000	Apply
APR 43.2% Foreign Txn Fee 3.50% Fuel Surcharge 2.50% Apply Reward Rates by Category Base 1% cashback Online 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato Fuel 1% surcharge waiver Report incorrect data
		IndianOil Axis Bank Credit Card Axis Bank	Visa Co-Branded	Fuel	₹0.2/pt	4.5	₹500	₹500	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 EDGE Point per ₹100 Online 5 Reward Points per ₹100 Fuel 1% surcharge waiver; 20 Reward Points per ₹100 at IOCL fuel outlets Report incorrect data
		SBI Elite Credit Card SBI Bank	Mastercard Premium	Rewards	₹0.25/pt	4.5	₹4,999	₹4,999	Apply
APR 42% Foreign Txn Fee 1.99% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 Reward Points per ₹100 Dining 5X Reward Points Groceries 5X Reward Points Fuel 1% surcharge waiver Report incorrect data
		RBL Bank World Safari Credit Card RBL Bank	Mastercard Lifestyle	Travel	₹0.25/pt	4.5	₹3,000	₹3,000	Apply
APR 47.88% Foreign Txn Fee None Fuel Surcharge 1% Apply Reward Rates by Category Base 2 Travel Points per ₹100 Travel 5 Travel Points per ₹100 Fuel ₹250 surcharge waiver per month Report incorrect data
		Axis Bank Neo Credit Card Axis Bank	Mastercard Regular	Lifestyle	₹0.2/pt	4.5	₹250	₹250	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge None Apply Reward Rates by Category Base 1 EDGE reward point per ₹200 Report incorrect data
		Standard Chartered Ultimate Credit Card Standard Chartered	Mastercard Travel	Rewards	₹1/pt	4.5	₹5,000	₹5,000	Apply
APR 45% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Base 5 reward points per ₹150 International 2% foreign currency markup fee Fuel 1% surcharge waiver Report incorrect data
		RBL Bank Shoprite Credit Card RBL Bank	Mastercard Regular	Lifestyle	₹0.25/pt	4.5	₹500	₹500	Apply
APR 47.88% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 Reward Point per ₹100 Groceries 20 Reward Points per ₹100 Fuel 1% surcharge waiver up to ₹100/month Report incorrect data
		Axis Bank Magnus Credit Card Axis Bank	Mastercard Premium	Travel	₹0.2/pt	4.5	₹12,500	₹12,500	Apply
APR 42.58% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Base 12 EDGE Reward Points per ₹200 up to ₹1.5 lakh; 35 EDGE Reward Points per ₹200 above ₹1.5 lakh Travel 5X EDGE Rewards via Travel Edge Fuel 1% surcharge waiver International 2% foreign currency markup fee Report incorrect data
		IDFC FIRST Bank Classic Credit Card IDFC First Bank	Visa Regular	Rewards	₹0.25/pt	4.5	Free to Join	Lifetime Free	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Online 6X Reward Points Base 3X Reward Points on offline purchases Fuel 1% surcharge waiver up to ₹200/month Report incorrect data
		ICICI Bank Coral Credit Card ICICI Bank	Mastercard Regular	Lifestyle	₹0.25/pt	4.5	₹500	₹500	Apply
APR 40.80% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 Reward Points per ₹100 Utilities 1 Reward Point per ₹100 Insurance 1 Reward Point per ₹100 Fuel 1% surcharge waiver Report incorrect data
		Federal Bank Scapia Credit Card Federal Bank	Visa Co-Branded	Travel	₹0.2/pt	4.4	Free to Join	Lifetime Free	Apply
APR 45% Foreign Txn Fee None Fuel Surcharge 1% Apply Reward Rates by Category Base 10% rewards on every eligible online and offline spending Travel 20% rewards on travel bookings via Scapia app International Zero forex markup Report incorrect data
		Standard Chartered Digi Smart Credit Card Standard Chartered	Visa Cashback	Shopping	Cashback	4.4	₹49	₹49	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Report incorrect data
		Axis Bank Vistara Signature Credit Card Axis Bank	Visa Co-Branded	Travel	--	4.3	₹3,000	₹3,000	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 4 Club Vistara Points per ₹200 Report incorrect data
		HDFC Bank Moneyback Credit Card HDFC Bank	Mastercard Cashback	Business	₹0.2/pt	4.3	₹500	₹500	Apply
APR 43.2% Foreign Txn Fee 3.50% Fuel Surcharge 2.50% Apply Reward Rates by Category Base 2 Reward Points per ₹150 Online 4 Reward Points per ₹150 Fuel 1% surcharge waiver Report incorrect data
		Standard Chartered EaseMyTrip Credit Card Standard Chartered	Visa Co-Branded	Travel	₹0.25/pt	4.3	₹350	₹350	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2x reward points per ₹100 Travel 10x reward points per ₹100 on hotel and airline bookings via EaseMyTrip Report incorrect data
		Reliance SBI PRIME Credit Card SBI Bank	Rupay Co-Branded	Shopping	₹0.25/pt	4.3	₹2,999	₹2,999	Apply
APR 42.00% Foreign Txn Fee 3.5% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 Reward Points per ₹100 Online 10 Reward Points per ₹100 at selected Reliance Retail Stores Dining 5 Reward Points per ₹100 Entertainment 5 Reward Points per ₹100 Travel 5 Reward Points per ₹100 on domestic airlines International 5 Reward Points per ₹100 Fuel 1% surcharge waiver Report incorrect data
		HDFC Regalia Gold Credit Card HDFC Bank	Mastercard Premium	Travel	₹0.2/pt	4.3	₹2,500	₹2,500	Apply
APR 43.20% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Base 4 Reward Points per ₹150 Online 20 Reward Points per ₹150 at Marks & Spencer, Myntra, Reliance Digital, and Nykaa Utilities 4 Reward Points per ₹150 Insurance 4 Reward Points per ₹150 Education 4 Reward Points per ₹150 Report incorrect data
		Standard Chartered Smart Credit Card Standard Chartered	Visa Cashback	Cashback	Cashback	4.3	₹499	₹499	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% cashback Online 2% cashback Report incorrect data
		HDFC MoneyBack Plus Credit Card HDFC Bank	Rupay Regular	Shopping	₹0.25/pt	4.3	₹500	₹500	Apply
APR 43.20% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 CashPoints per ₹150 Online 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy Fuel 1% surcharge waiver Report incorrect data
		Myntra Kotak Credit Card Kotak Bank	Mastercard Co-Branded	Cashback	Cashback	4.3	₹500	₹500	Apply
APR 44.4% Foreign Txn Fee 3.5% Fuel Surcharge 1% Apply Reward Rates by Category Base 1.25% Online 5% on Swiggy, Swiggy Instamart, PVR, Clear Trip and Urban Company; 7.5% on Myntra Fuel 1% surcharge waiver up to ₹300/month Report incorrect data
		AU Bank Zenith+ Credit Card AU Small Finance Bank	Visa Premium	Lifestyle	₹1/pt	4.3	₹4,999	₹4,999	Apply
APR 23.88% Foreign Txn Fee 0.99% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 Reward Point per ₹100 Travel 2 Reward Points per ₹100 Dining 2 Reward Points per ₹100 International 2 Reward Points per ₹100 Fuel 1% surcharge waiver up to ₹1000 per statement cycle Report incorrect data
		American Express Platinum Reserve Credit Card American Express	American Express Premium	Lifestyle	₹0.5/pt	4.3	₹10,000	₹10,000	Apply
APR 42.00% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹50 Fuel 0% convenience fee for HPCL transactions under ₹5,000 Report incorrect data
		Standard Chartered Super Value Titanium Credit Card Standard Chartered	Mastercard Regular	Cashback	₹0.25/pt	4.3	₹750	₹750	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹150 Fuel 5% cashback up to ₹200 per month Utilities 5% cashback up to ₹100 per month Report incorrect data
		Axis Bank Select Credit Card Axis Bank	Visa Premium	Lifestyle	₹0.2/pt	4.3	₹3,000	₹3,000	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge None Apply Reward Rates by Category Base 10 points per ₹200 Online 2x points per ₹200 on retail shopping Fuel 1% surcharge refund Report incorrect data
		Axis Bank Rewards Credit Card Axis Bank	Mastercard Regular	Reward Points	₹0.2/pt	4.3	₹1,000	₹1,000	Apply
APR 52.86% Foreign Txn Fee 3.5% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 points per ₹125 Online 10x points per ₹125 on apparel and departmental stores Fuel 1% fuel surcharge waiver Dining 30% off on Swiggy, 15% off at partner restaurants Report incorrect data
		BPCL SBI Credit Card SBI Bank	Visa Co-Branded	Fuel	₹0.25/pt	4.3	₹499	₹499	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹100 Fuel 13 points per ₹100 at BPCL, 1% surcharge waiver Dining 5x points per ₹100 Entertainment 5x points per ₹100 on movies Groceries 5x points per ₹100 Report incorrect data
		ICICI Bank Rubyx Credit Card ICICI Bank	Mastercard Lifestyle	Rewards	₹0.25/pt	4.2	₹3,000	₹2,000	Apply
APR 40.8% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 points per ₹100 on domestic spends International 4 points per ₹100 Utilities 1 point per ₹100 Insurance 1 point per ₹100 Fuel 1% fuel surcharge waiver Report incorrect data
		IDFC FIRST SWYP Credit Card IDFC First Bank	Mastercard Lifestyle	Lifestyle	₹0.25/pt	4.2	₹499	₹499	Apply
APR -- Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 200 points on ₹5,000 monthly spend Fuel 1% surcharge waiver Report incorrect data
		AU Bank Vetta Credit Card AU Small Finance Bank	Visa Regular	Lifestyle	₹0.25/pt	4.2	₹2,999	₹2,999	Apply
APR 41.88% Foreign Txn Fee 2.99% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 points per ₹100 Groceries 4 points per ₹100 Utilities 10 points per ₹100 Fuel 1% surcharge waiver Report incorrect data
		SBI Prime Credit Card SBI Bank	Mastercard Premium	Rewards	₹0.25/pt	4.2	₹2,999	₹2,999	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 points per ₹100 Dining 10 points per ₹100 Groceries 10 points per ₹100 Entertainment 10 points per ₹100 on movies Fuel 1% surcharge waiver Report incorrect data
		Reliance SBI Credit Card SBI Bank	Rupay Co-Branded	Shopping	₹0.25/pt	4.2	₹499	₹499	Apply
APR 42.00% Foreign Txn Fee 3.5% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹100 Online 5 points per ₹100 at Reliance Retail stores Dining 5 points per ₹100 Entertainment 5 points per ₹100 on movies Fuel 1% surcharge waiver Report incorrect data
		ICICI Bank MakeMyTrip Platinum Credit Card ICICI Bank	Visa Co-Branded	Lounge	₹1/pt	4.2	₹500	Lifetime Free	Apply
APR 40.8% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Fuel 1% surcharge waiver at HPCL Report incorrect data
		Flipkart Axis Bank Credit Card Axis Bank	Mastercard Co-Branded	Cashback	Cashback	4.2	₹500	₹500	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge None Apply Reward Rates by Category Base 1.5% Online 5% on Flipkart, 4% on preferred merchants Fuel 1% surcharge waiver Report incorrect data
		Indian Oil HDFC Bank Credit Card HDFC Bank	Visa Co-Branded	Fuel	₹0.96/pt	4.1	₹500	₹500	Apply
APR 43.2% Foreign Txn Fee 3.50% Fuel Surcharge 2.50% Apply Reward Rates by Category Base 1 point per ₹150 Fuel 5% as Fuel Points at IndianOil, 1% surcharge waiver Groceries 5% as Fuel Points Utilities 5% as Fuel Points on bill payments Report incorrect data
		6E - Rewards Indigo HDFC Bank Credit Card HDFC Bank	Mastercard Co-Branded	Travel	₹1/pt	4.1	₹500	₹500	Apply
APR 43.2% Foreign Txn Fee 3.50% Fuel Surcharge 2.50% Apply Reward Rates by Category Fuel 1% 6E Rewards per ₹100 Report incorrect data
		BPCL SBI Octane Credit Card SBI Bank	Visa Co-Branded	Fuel	₹0.25/pt	4	₹1,499	₹1,499	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹100 Fuel 25 points per ₹100 at BPCL, 1% surcharge waiver Groceries 10 points per ₹100 Dining 10 points per ₹100 Entertainment 10 points per ₹100 on movies Report incorrect data
		HPCL IDFC FIRST Power+ Credit Card IDFC First Bank	Rupay Co-Branded	Fuel Expenses	₹0.25/pt	4	₹499	₹499	Apply
APR 42.00% Foreign Txn Fee 3.5% Fuel Surcharge None Apply Reward Rates by Category Base 3x points per ₹150 Fuel 24x points per ₹150 on HPCL Fuel & LPG Groceries 30x points per ₹150 Utilities 30x points per ₹150 Report incorrect data
		ICICI Bank Sapphiro Credit Card ICICI Bank	Mastercard Premium	Lifestyle	₹0.25/pt	4	₹6,500	₹3,500	Apply
APR 44% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 points per ₹100 on domestic International 4 points per ₹100 Fuel 1% surcharge waiver Report incorrect data
		Adani One Signature Credit Card ICICI Bank	Visa Co-Branded	Travel	₹0.25/pt	4	₹5,000	₹5,000	Apply
APR 40.80% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1.5% Travel 7% on Adani One ecosystem International 2% Utilities 0.5% Insurance 0.5% Fuel 1% surcharge waiver Report incorrect data
		American Express Gold Credit Card American Express	American Express Travel	Rewards	₹0.5/pt	4	₹1,000	₹4,500	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 5x points via Reward Multiplier Fuel 1 point per ₹50, 0% fee at HPCL under ₹5,000 Utilities 1 point per ₹50 Report incorrect data
		Citi Bank Rewards Credit Card Citi Bank	Mastercard Regular	Rewards	₹0.3/pt	4	₹1,000	₹1,000	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹125 Online 10 points per ₹125 on apparel and department stores Fuel 1% surcharge waiver at Indian Oil Report incorrect data
		Kotak League Platinum Credit Card Kotak Bank	Visa Lifestyle	Rewards	₹0.25/pt	4	₹499	₹499	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 4x points per ₹150 Online 8x points per ₹150 on special categories Fuel 1% surcharge waiver Report incorrect data
		AU Bank LIT Credit Card AU Small Finance Bank	Visa Regular	Lifestyle	₹0.25/pt	4	Free to Join	Lifetime Free	Apply
APR 43.08% Foreign Txn Fee 3.49% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹100 Online 10x or 5x points on online domestic & international transactions Travel 5% cashback Dining 5% cashback Groceries 5% cashback Fuel 1% surcharge waiver Report incorrect data
		HDFC Diners Club Black Credit Card HDFC Bank	Diners Club Premium	Lifestyle	₹0.3/pt	4	₹10,000	₹10,000	Apply
APR 23.88% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Base 5 points per ₹150 Online up to 10x points via SmartBuy Dining 2x points on weekend dining Fuel 1% surcharge waiver Report incorrect data
		IndusInd Bank Legend Credit Card IndusInd Bank	Mastercard Premium	Lifestyle	₹0.75/pt	4	₹9,999	Lifetime Free	Apply
APR 46% Foreign Txn Fee 1.8% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 reward point per ₹150 on weekdays Fuel 2.5% surcharge waiver Report incorrect data
		IndusInd Bank Indulge Credit Card IndusInd Bank	Visa Premium	Travel	₹1/pt	4	₹2,00,000	Lifetime Free	Apply
APR 46% Foreign Txn Fee 1.8% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 reward point per ₹100 on weekdays, 2 reward points per ₹100 on weekends Report incorrect data
		Citi Bank Cashback Credit Card Citi Bank	Mastercard Cashback	Cashback	Cashback	4	₹500	₹500	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 0.5% Entertainment 5% on movie tickets Utilities 5% on telephone and utility bill payments Report incorrect data
		SBI Aurum Credit Card SBI Bank	Visa Co-Branded	Travel	₹0.25/pt	4	₹9,999	₹9,999	Apply
APR 45% Foreign Txn Fee 1.99% Fuel Surcharge 1% Apply Reward Rates by Category Base 4 Reward Points per ₹100 spent Fuel surcharge waiver capped at ₹400 per statement cycle Report incorrect data
		Axis Bank PRIMUS Credit Card Axis Bank	Visa Premium	Lifestyle	₹0.2/pt	4	₹1,80,000	₹1,80,000	Apply
APR 12.68% Foreign Txn Fee None Fuel Surcharge 1% Apply Reward Rates by Category Base 1 EDGE Mile per ₹100 spent International zero forex markup fee Fuel 1% surcharge waiver on ₹400-₹10,000 Report incorrect data
		Air India SBI Signature Credit Card SBI Bank	Visa Co-Branded	Travel	₹1/pt	4	₹4,999	₹4,999	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 4 Reward Points per ₹100 spent Fuel 1% surcharge waiver on ₹500-₹4,000, max ₹250 per cycle Report incorrect data
		Marriott Bonvoy HDFC Bank Credit Card HDFC Bank	Diners Club Co-Branded	Travel	₹0.8/pt	4	₹3,000	₹3,000	Apply
APR 43.20% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 Marriott Bonvoy Points per ₹150 spent Travel 4 Marriott Bonvoy Points per ₹150 spent Dining 4 Marriott Bonvoy Points per ₹150 spent Entertainment 4 Marriott Bonvoy Points per ₹150 spent Report incorrect data
		Axis Bank Privilege Credit Card Axis Bank	Mastercard Travel	Lifestyle	₹0.2/pt	4	₹1,500	₹1,500	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Fuel 1% surcharge waiver on ₹400-₹4,000, max ₹400/month Report incorrect data
		YES Prosperity Rewards Plus Credit Card Yes Bank	Mastercard Regular	Reward Points	₹0.25/pt	4	₹399	₹399	Apply
APR 45.60% Foreign Txn Fee 3.40% Fuel Surcharge 1% Apply Reward Rates by Category Base 4 Reward Points per ₹200 Travel 8 Reward Points per ₹200 Dining 8 Reward Points per ₹200 Fuel 1% surcharge waiver on ₹400-₹5,000 Report incorrect data
		Induslnd Bank Platinum Visa Credit Card IndusInd Bank	Visa Regular	Lifestyle	₹0.85/pt	3.9	₹3,000	Lifetime Free	Apply
APR 46% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1.5 reward points per ₹150 spent Fuel 1% surcharge waiver on ₹400-₹4,000 Report incorrect data
		IndusInd Bank Duo Credit Card IndusInd Bank	Visa Regular	Lifestyle	₹0.5/pt	3.9	₹249	Lifetime Free	Apply
APR 46% Foreign Txn Fee 2% Fuel Surcharge 1% Apply Reward Rates by Category Fuel 1% surcharge waiver on ₹400-₹4,000 Report incorrect data
		Airtel Axis Bank Credit Card Axis Bank	Visa Co-Branded	Utility	Cashback	3.8	₹500	₹500	Apply
APR 52.86% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% Utilities 10% on utility bill payments Dining 10% on Swiggy and Zomato Groceries 10% on BigBasket Fuel 1% surcharge waiver on ₹400-₹4,000 Report incorrect data
		Fibe Axis Bank Credit Card Axis Bank	Rupay Co-Branded	Cashback	Cashback	3.8	Free to Join	Lifetime Free	Apply
APR 52.86% Foreign Txn Fee 3.5% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% Dining up to 3% Entertainment up to 3% Fuel 1% surcharge waiver on ₹400-₹5,000 Report incorrect data
		HSBC Live+ Credit Card HSBC Bank	Visa Cashback	Cashback	Cashback	3.8	₹999	₹999	Apply
APR 41.88% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1.5% Dining 10% Groceries 10% Report incorrect data
		IndianOil Citi Bank Credit Card Citi Bank	Mastercard Co-Branded	Fuel	₹1/pt	3.7	₹1,000	₹1,000	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1 point per ₹150 spent Fuel 1% surcharge reversal + 4 points per ₹150 on fuel Groceries 2 points per ₹150 spent Report incorrect data
		AU Bank Zenith Credit Card AU Small Finance Bank	Visa Premium	Lifestyle	₹0.25/pt	3.7	₹7,999	₹7,999	Apply
APR 23.88% Foreign Txn Fee 1.99% Fuel Surcharge 1% Apply Reward Rates by Category Base 5 Reward Points per ₹100 Dining 20 Reward Points per ₹100 International 10 Reward Points per ₹100 Groceries 10 Reward Points per ₹100 Fuel 1% surcharge waiver, max ₹1,000 per statement cycle Report incorrect data
		Kotak Royale Signature Credit Card Kotak Bank	Visa Premium	Travel	₹0.18/pt	3.5	Free to Join	₹999	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2X rewards per ₹150 Dining 4X rewards per ₹150 Travel 4X rewards per ₹150 International 4X rewards per ₹150 Fuel surcharge waiver on ₹500-₹3,000, max ₹3,500/year Report incorrect data
		Citi Bank PremierMiles Credit Card Citi Bank	Mastercard Travel	Travel	₹0.2/pt	3.5	₹3,000	₹3,000	Apply
APR 45% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Report incorrect data
		Club Vistara SBI Credit Card SBI Bank	Mastercard Co-Branded	Travel	₹1/pt	3.5	₹1,499	₹1,499	Apply
APR 42% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 3 CV Points per ₹200 spent Report incorrect data
		RBL Bank Platinum Maxima Credit Card RBL Bank	Mastercard Travel	Rewards	₹0.25/pt	3.5	₹2,000	₹2,000	Apply
APR 47.88% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 Reward Points per ₹100 spent Dining 10 Reward Points per ₹100 Entertainment 10 Reward Points per ₹100 Utilities 10 Reward Points per ₹100 International 10 Reward Points per ₹100 Report incorrect data
		HSBC TravelOne Credit Card HSBC Bank	Mastercard Travel	Travel	₹1/pt	3.5	₹4,999	₹4,999	Apply
APR 45% Foreign Txn Fee 3.75% Fuel Surcharge 1% Apply Reward Rates by Category Base 2 reward points per ₹100 spent Travel 4 reward points per ₹100 spent on flights and travel aggregators International 4 reward points per ₹100 spent on foreign currency transactions Report incorrect data
		ixigo AU Credit Card AU Small Finance Bank	Visa Co-Branded	Travel	₹0.25/pt	3.5	₹999	₹999	Apply
APR 45% Foreign Txn Fee None Fuel Surcharge Upto ₹250 Apply Reward Rates by Category Base 5 reward points per ₹200 offline Online 10 reward points per ₹200 on online purchases Travel 20 reward points per ₹200 on train bookings via ixigo International 0% forex markup Fuel 1% surcharge waiver up to ₹250 on ₹400-₹5,000 Report incorrect data
		AU Bank Altura Credit Card AU Small Finance Bank	Visa Cashback	Cashback	Cashback	3.5	₹199	₹199	Apply
APR 43.08% Foreign Txn Fee 3.49% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% Groceries 2% Utilities 2% Fuel 1% surcharge waiver on ₹400-₹5,000 Report incorrect data
		Adani One ICICI Bank Platinum Credit Card ICICI Bank	Visa Co-Branded	Travel	₹0.25/pt	3.5	₹750	₹750	Apply
APR 40.80% Foreign Txn Fee 3.50% Fuel Surcharge 1% Apply Reward Rates by Category Base 1% International 1.5% Utilities 0.5% Insurance 0.5% Fuel 1% surcharge waiver on transactions up to ₹4,000 Report incorrect data

SBI Cashback Credit Card

SBI Bank

Cashback Visa Cashback Cashback

★★★★★

4.8

Joining Fee ₹999

Annual Fee ₹999

Point Value Cashback

APR 45%

Foreign Txn 3.5%

Fuel Surcharge 1%

Reward Rates

Base 1%

Online 5%

Fuel 1% surcharge waiver

Apply

Club Vistara IDFC FIRST Bank Credit Card

IDFC First Bank

Co-Branded Mastercard Travel ₹1/pt

★★★★★

4.8

Joining Fee ₹4,999

Annual Fee ₹4,999

Point Value ₹1/pt

APR 42%

Foreign Txn 2.99%

Fuel Surcharge None

Reward Rates

Base 6 CV Points per ₹200

Dining 10 CV Points per ₹200 on birthday dining

Fuel 1 CV Point per ₹200

Insurance 1 CV Point per ₹200

Utilities 1 CV Point per ₹200

Rent 1 CV Point per ₹200

Wallet 1 CV Point per ₹200

Apply

IDFC FIRST Bank Select Credit Card

IDFC First Bank

Regular Visa Lifestyle ₹0.25/pt

★★★★★

4.8

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value ₹0.25/pt

APR 42%

Foreign Txn 1.99%

Fuel Surcharge 1%

Reward Rates

Base 3 reward points per ₹150

Online 10x reward points on purchases above ₹20,000

Insurance 1 reward point per ₹150

Utilities 1 reward point per ₹150

Rent 3 reward points per ₹150

Fuel 1% surcharge waiver

Apply

Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank

Co-Branded Visa Reward Points ₹1/pt

★★★★★

4.7

Joining Fee ₹1,499

Annual Fee ₹1,499

Point Value ₹1/pt

APR 41.88%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Base 1.5% NeuCoins

Online 5% NeuCoins on Tata Brands

Fuel 1% surcharge waiver

Apply

SBI SimplyCLICK Credit Card

SBI Bank

Regular Mastercard Rewards ₹0.25/pt

★★★★★

4.7

Joining Fee ₹499

Annual Fee ₹499

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 reward point per ₹100

Online 10x on partner stores (Cleartrip, BookMyShow, EazyDiner, Netmeds, Apollo 24/7); 5x on all other online spends

Fuel 1% surcharge waiver

Apply

IDFC FIRST Bank Wow Credit Card

IDFC First Bank

Regular Visa Students ₹0.25/pt

★★★★★

4.7

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value ₹0.25/pt

APR 42%

Foreign Txn None

Fuel Surcharge 1%

Reward Rates

Base 4x reward points per ₹150

Fuel 1% surcharge waiver

Apply

Amazon Pay ICICI Bank Credit Card

ICICI Bank

Co-Branded Visa Cashback Cashback

★★★★★

4.7

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value Cashback

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1%

Online 5% on Amazon (Prime), 3% on Amazon (non-Prime), 2% on Amazon Pay partners

Fuel 1% surcharge waiver, 5% on first fuel purchase per month

Dining 15% off at partner restaurants

Apply

HDFC Bank Infinia Metal Edition Credit Card

HDFC Bank

Premium Visa Travel ₹1/pt

★★★★★

4.7

Joining Fee ₹12,500

Annual Fee ₹12,500

Point Value ₹1/pt

APR 23.88%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Base 5 reward points per ₹150

Fuel 1% surcharge waiver

Apply

Axis Bank Reserve Credit Card

Axis Bank

Premium Visa Lifestyle ₹0.2/pt

★★★★★

4.7

Joining Fee ₹50,000

Annual Fee ₹50,000

Point Value ₹0.2/pt

APR 42.58%

Foreign Txn 1.50%

Fuel Surcharge 1%

Reward Rates

Base 15 EDGE reward points per ₹200

International 2x rewards

Fuel 1% surcharge waiver

Apply

SBI SimplySAVE Credit Card

SBI Bank

Regular Mastercard Shopping ₹0.25/pt

★★★★★

4.6

Joining Fee ₹499

Annual Fee ₹499

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 reward point per ₹150

Dining 10 reward points per ₹150

Entertainment 10 reward points per ₹150

Groceries 10 reward points per ₹150

Fuel 1% surcharge waiver

Apply

Axis Bank Ace Credit Card

Axis Bank

Regular Visa Cashback Cashback

★★★★★

4.6

Joining Fee ₹499

Annual Fee ₹499

Point Value Cashback

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge None

Reward Rates

Base 1.5%

Utilities 5% via Google Pay

Dining 4% on Swiggy and Zomato

Travel 4% on Ola

Fuel 1% surcharge waiver

Apply

American Express Platinum Credit Card

American Express

Premium American Express Lifestyle ₹1/pt

★★★★★

4.6

Joining Fee ₹60,000

Annual Fee ₹60,000

Point Value ₹1/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹40

International 3x points

Online 5x via Reward Multiplier

Apply

IDFC FIRST Bank Wealth Credit Card

IDFC First Bank

Premium Visa Lifestyle ₹0.25/pt

★★★★★

4.6

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value ₹0.25/pt

APR 42%

Foreign Txn 1.50%

Fuel Surcharge 1%

Reward Rates

Base 3x reward points per ₹100

Online 6x reward points per ₹100

Fuel 1% surcharge waiver

Apply

HDFC Bank Regalia Credit Card

HDFC Bank

Premium Mastercard Lifestyle ₹0.2/pt

★★★★★

4.6

Joining Fee ₹2,500

Annual Fee ₹2,500

Point Value ₹0.2/pt

APR 43.2%

Foreign Txn 2%

Fuel Surcharge 2.50%

Reward Rates

Base 4 reward points per ₹150

Insurance 4 reward points per ₹150

Utilities 4 reward points per ₹150

Education 4 reward points per ₹150

Fuel 1% surcharge waiver

Apply

Axis Bank Atlas Credit Card

Axis Bank

Travel Visa Travel ₹1/pt

★★★★★

4.6

Joining Fee ₹5,000

Annual Fee ₹5,000

Point Value ₹1/pt

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 EDGE Miles per ₹100

Travel 5 EDGE Miles per ₹100

Fuel 1% surcharge waiver

Apply

HPCL Super Saver Credit Card

ICICI Bank

Co-Branded Visa Fuel ₹0.25/pt

★★★★★

4.6

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 reward points per ₹100

Fuel 5% cashback (4% + 1% surcharge) at HPCL

Utilities 5% cashback (20 points per ₹100)

Groceries 5% cashback (20 points per ₹100)

Apply

American Express SmartEarn Credit Card

American Express

Premium American Express Rewards ₹0.25/pt

★★★★★

4.5

Joining Fee ₹495

Annual Fee ₹495

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹50

Online 10x on Flipkart, Amazon, Uber; 5x on Paytm Wallet, Swiggy, BookMyShow

Fuel no convenience fee under ₹5,000 at HPCL

Apply

HDFC Diners Club Metal Edition Credit Card

HDFC Bank

Premium Diners Club Reward Points ₹0.3/pt

★★★★★

4.5

Joining Fee ₹10,000

Annual Fee ₹10,000

Point Value ₹0.3/pt

APR 23.88%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Base 5 reward points per ₹150

Dining 2x reward points (10 per ₹150) on weekend dining

Online 10x via SmartBuy

Fuel 1% surcharge waiver

Apply

Axis Bank MyZone Credit Card

Axis Bank

Regular Mastercard Lifestyle ₹0.2/pt

★★★★★

4.5

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.2/pt

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 4 EDGE reward points per ₹200

Entertainment BOGO on movie tickets

Dining 15% off up to ₹500 via EazyDiner

Fuel 1% surcharge waiver

Apply

Kotak Indigo Ka-ching 6E Rewards Credit Card

Kotak Bank

Co-Branded Visa Travel ₹1/pt

★★★★★

4.5

Joining Fee ₹700

Annual Fee ₹700

Point Value ₹1/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1% on other spends

Travel 3% on IndiGo spends, 10% at IndiGo partners

Dining 2% rewards

Groceries 2% rewards

Entertainment 2% rewards

Apply

HSBC Premier Credit Card

HSBC Bank

Premium Mastercard Lifestyle ₹1/pt

★★★★★

4.5

Joining Fee ₹12,000

Annual Fee ₹20,000

Point Value ₹1/pt

APR 35.88%

Foreign Txn 0.99%

Fuel Surcharge 1%

Reward Rates

Base 3 reward points per ₹100

Fuel 1% surcharge waiver

Apply

American Express Platinum Travel Credit Card

American Express

Travel American Express Travel ₹0.5/pt

★★★★★

4.5

Joining Fee ₹3,500

Annual Fee ₹5,000

Point Value ₹0.5/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹50

Fuel 0% fee on fuel under ₹5,000 at HPCL

Apply

Swiggy HDFC Bank Credit Card

HDFC Bank

Co-Branded Mastercard Dining Cashback

★★★★★

4.5

Joining Fee ₹500

Annual Fee ₹500

Point Value Cashback

APR 43.20%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1%

Online 5% on online spends

Dining 10% on Swiggy (food ordering, Instamart, Dineout, Genie)

Apply

IDFC FIRST Bank Millennia Credit Card

IDFC First Bank

Regular Visa Rewards ₹0.25/pt

★★★★★

4.5

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 reward point per ₹100

Online 6x reward points per ₹100

Fuel 1% surcharge waiver

Apply

American Express Membership Rewards Credit Card

American Express

Regular American Express Rewards ₹0.5/pt

★★★★★

4.5

Joining Fee ₹1,000

Annual Fee ₹4,500

Point Value ₹0.5/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Fuel No convenience fee for transactions under ₹5,000 at HPCL

Apply

HDFC Bank Millennia Credit Card

HDFC Bank

Regular Mastercard Cashback Cashback

★★★★★

4.5

Joining Fee ₹1,000

Annual Fee ₹1,000

Point Value Cashback

APR 43.2%

Foreign Txn 3.50%

Fuel Surcharge 2.50%

Reward Rates

Base 1% cashback

Online 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato

Fuel 1% surcharge waiver

Apply

IndianOil Axis Bank Credit Card

Axis Bank

Co-Branded Visa Fuel ₹0.2/pt

★★★★★

4.5

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.2/pt

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 EDGE Point per ₹100

Online 5 Reward Points per ₹100

Fuel 1% surcharge waiver; 20 Reward Points per ₹100 at IOCL fuel outlets

Apply

SBI Elite Credit Card

SBI Bank

Premium Mastercard Rewards ₹0.25/pt

★★★★★

4.5

Joining Fee ₹4,999

Annual Fee ₹4,999

Point Value ₹0.25/pt

APR 42%

Foreign Txn 1.99%

Fuel Surcharge 1%

Reward Rates

Base 2 Reward Points per ₹100

Dining 5X Reward Points

Groceries 5X Reward Points

Fuel 1% surcharge waiver

Apply

RBL Bank World Safari Credit Card

RBL Bank

Lifestyle Mastercard Travel ₹0.25/pt

★★★★★

4.5

Joining Fee ₹3,000

Annual Fee ₹3,000

Point Value ₹0.25/pt

APR 47.88%

Foreign Txn None

Fuel Surcharge 1%

Reward Rates

Base 2 Travel Points per ₹100

Travel 5 Travel Points per ₹100

Fuel ₹250 surcharge waiver per month

Apply

Axis Bank Neo Credit Card

Axis Bank

Regular Mastercard Lifestyle ₹0.2/pt

★★★★★

4.5

Joining Fee ₹250

Annual Fee ₹250

Point Value ₹0.2/pt

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge None

Reward Rates

Base 1 EDGE reward point per ₹200

Apply

Standard Chartered Ultimate Credit Card

Standard Chartered

Travel Mastercard Rewards ₹1/pt

★★★★★

4.5

Joining Fee ₹5,000

Annual Fee ₹5,000

Point Value ₹1/pt

APR 45%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Base 5 reward points per ₹150

International 2% foreign currency markup fee

Fuel 1% surcharge waiver

Apply

RBL Bank Shoprite Credit Card

RBL Bank

Regular Mastercard Lifestyle ₹0.25/pt

★★★★★

4.5

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.25/pt

APR 47.88%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 Reward Point per ₹100

Groceries 20 Reward Points per ₹100

Fuel 1% surcharge waiver up to ₹100/month

Apply

Axis Bank Magnus Credit Card

Axis Bank

Premium Mastercard Travel ₹0.2/pt

★★★★★

4.5

Joining Fee ₹12,500

Annual Fee ₹12,500

Point Value ₹0.2/pt

APR 42.58%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Base 12 EDGE Reward Points per ₹200 up to ₹1.5 lakh; 35 EDGE Reward Points per ₹200 above ₹1.5 lakh

Travel 5X EDGE Rewards via Travel Edge

Fuel 1% surcharge waiver

International 2% foreign currency markup fee

Apply

IDFC FIRST Bank Classic Credit Card

IDFC First Bank

Regular Visa Rewards ₹0.25/pt

★★★★★

4.5

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Online 6X Reward Points

Base 3X Reward Points on offline purchases

Fuel 1% surcharge waiver up to ₹200/month

Apply

ICICI Bank Coral Credit Card

ICICI Bank

Regular Mastercard Lifestyle ₹0.25/pt

★★★★★

4.5

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.25/pt

APR 40.80%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 Reward Points per ₹100

Utilities 1 Reward Point per ₹100

Insurance 1 Reward Point per ₹100

Fuel 1% surcharge waiver

Apply

Federal Bank Scapia Credit Card

Federal Bank

Co-Branded Visa Travel ₹0.2/pt

★★★★★

4.4

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value ₹0.2/pt

APR 45%

Foreign Txn None

Fuel Surcharge 1%

Reward Rates

Base 10% rewards on every eligible online and offline spending

Travel 20% rewards on travel bookings via Scapia app

International Zero forex markup

Apply

Standard Chartered Digi Smart Credit Card

Standard Chartered

Cashback Visa Shopping Cashback

★★★★★

4.4

Joining Fee ₹49

Annual Fee ₹49

Point Value Cashback

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Apply

Axis Bank Vistara Signature Credit Card

Axis Bank

Co-Branded Visa Travel --

★★★★★

4.3

Joining Fee ₹3,000

Annual Fee ₹3,000

Point Value --

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 4 Club Vistara Points per ₹200

Apply

HDFC Bank Moneyback Credit Card

HDFC Bank

Cashback Mastercard Business ₹0.2/pt

★★★★★

4.3

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.2/pt

APR 43.2%

Foreign Txn 3.50%

Fuel Surcharge 2.50%

Reward Rates

Base 2 Reward Points per ₹150

Online 4 Reward Points per ₹150

Fuel 1% surcharge waiver

Apply

Standard Chartered EaseMyTrip Credit Card

Standard Chartered

Co-Branded Visa Travel ₹0.25/pt

★★★★★

4.3

Joining Fee ₹350

Annual Fee ₹350

Point Value ₹0.25/pt

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2x reward points per ₹100

Travel 10x reward points per ₹100 on hotel and airline bookings via EaseMyTrip

Apply

Reliance SBI PRIME Credit Card

SBI Bank

Co-Branded Rupay Shopping ₹0.25/pt

★★★★★

4.3

Joining Fee ₹2,999

Annual Fee ₹2,999

Point Value ₹0.25/pt

APR 42.00%

Foreign Txn 3.5%

Fuel Surcharge 1%

Reward Rates

Base 2 Reward Points per ₹100

Online 10 Reward Points per ₹100 at selected Reliance Retail Stores

Dining 5 Reward Points per ₹100

Entertainment 5 Reward Points per ₹100

Travel 5 Reward Points per ₹100 on domestic airlines

International 5 Reward Points per ₹100

Fuel 1% surcharge waiver

Apply

HDFC Regalia Gold Credit Card

HDFC Bank

Premium Mastercard Travel ₹0.2/pt

★★★★★

4.3

Joining Fee ₹2,500

Annual Fee ₹2,500

Point Value ₹0.2/pt

APR 43.20%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Base 4 Reward Points per ₹150

Online 20 Reward Points per ₹150 at Marks & Spencer, Myntra, Reliance Digital, and Nykaa

Utilities 4 Reward Points per ₹150

Insurance 4 Reward Points per ₹150

Education 4 Reward Points per ₹150

Apply

Standard Chartered Smart Credit Card

Standard Chartered

Cashback Visa Cashback Cashback

★★★★★

4.3

Joining Fee ₹499

Annual Fee ₹499

Point Value Cashback

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1% cashback

Online 2% cashback

Apply

HDFC MoneyBack Plus Credit Card

HDFC Bank

Regular Rupay Shopping ₹0.25/pt

★★★★★

4.3

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.25/pt

APR 43.20%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 CashPoints per ₹150

Online 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy

Fuel 1% surcharge waiver

Apply

Myntra Kotak Credit Card

Kotak Bank

Co-Branded Mastercard Cashback Cashback

★★★★★

4.3

Joining Fee ₹500

Annual Fee ₹500

Point Value Cashback

APR 44.4%

Foreign Txn 3.5%

Fuel Surcharge 1%

Reward Rates

Base 1.25%

Online 5% on Swiggy, Swiggy Instamart, PVR, Clear Trip and Urban Company; 7.5% on Myntra

Fuel 1% surcharge waiver up to ₹300/month

Apply

AU Bank Zenith+ Credit Card

AU Small Finance Bank

Premium Visa Lifestyle ₹1/pt

★★★★★

4.3

Joining Fee ₹4,999

Annual Fee ₹4,999

Point Value ₹1/pt

APR 23.88%

Foreign Txn 0.99%

Fuel Surcharge 1%

Reward Rates

Base 1 Reward Point per ₹100

Travel 2 Reward Points per ₹100

Dining 2 Reward Points per ₹100

International 2 Reward Points per ₹100

Fuel 1% surcharge waiver up to ₹1000 per statement cycle

Apply

American Express Platinum Reserve Credit Card

American Express

Premium American Express Lifestyle ₹0.5/pt

★★★★★

4.3

Joining Fee ₹10,000

Annual Fee ₹10,000

Point Value ₹0.5/pt

APR 42.00%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹50

Fuel 0% convenience fee for HPCL transactions under ₹5,000

Apply

Standard Chartered Super Value Titanium Credit Card

Standard Chartered

Regular Mastercard Cashback ₹0.25/pt

★★★★★

4.3

Joining Fee ₹750

Annual Fee ₹750

Point Value ₹0.25/pt

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹150

Fuel 5% cashback up to ₹200 per month

Utilities 5% cashback up to ₹100 per month

Apply

Axis Bank Select Credit Card

Axis Bank

Premium Visa Lifestyle ₹0.2/pt

★★★★★

4.3

Joining Fee ₹3,000

Annual Fee ₹3,000

Point Value ₹0.2/pt

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge None

Reward Rates

Base 10 points per ₹200

Online 2x points per ₹200 on retail shopping

Fuel 1% surcharge refund

Apply

Axis Bank Rewards Credit Card

Axis Bank

Regular Mastercard Reward Points ₹0.2/pt

★★★★★

4.3

Joining Fee ₹1,000

Annual Fee ₹1,000

Point Value ₹0.2/pt

APR 52.86%

Foreign Txn 3.5%

Fuel Surcharge 1%

Reward Rates

Base 2 points per ₹125

Online 10x points per ₹125 on apparel and departmental stores

Fuel 1% fuel surcharge waiver

Dining 30% off on Swiggy, 15% off at partner restaurants

Apply

BPCL SBI Credit Card

SBI Bank

Co-Branded Visa Fuel ₹0.25/pt

★★★★★

4.3

Joining Fee ₹499

Annual Fee ₹499

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹100

Fuel 13 points per ₹100 at BPCL, 1% surcharge waiver

Dining 5x points per ₹100

Entertainment 5x points per ₹100 on movies

Groceries 5x points per ₹100

Apply

ICICI Bank Rubyx Credit Card

ICICI Bank

Lifestyle Mastercard Rewards ₹0.25/pt

★★★★★

4.2

Joining Fee ₹3,000

Annual Fee ₹2,000

Point Value ₹0.25/pt

APR 40.8%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 points per ₹100 on domestic spends

International 4 points per ₹100

Utilities 1 point per ₹100

Insurance 1 point per ₹100

Fuel 1% fuel surcharge waiver

Apply

IDFC FIRST SWYP Credit Card

IDFC First Bank

Lifestyle Mastercard Lifestyle ₹0.25/pt

★★★★★

4.2

Joining Fee ₹499

Annual Fee ₹499

Point Value ₹0.25/pt

APR --

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 200 points on ₹5,000 monthly spend

Fuel 1% surcharge waiver

Apply

AU Bank Vetta Credit Card

AU Small Finance Bank

Regular Visa Lifestyle ₹0.25/pt

★★★★★

4.2

Joining Fee ₹2,999

Annual Fee ₹2,999

Point Value ₹0.25/pt

APR 41.88%

Foreign Txn 2.99%

Fuel Surcharge 1%

Reward Rates

Base 2 points per ₹100

Groceries 4 points per ₹100

Utilities 10 points per ₹100

Fuel 1% surcharge waiver

Apply

SBI Prime Credit Card

SBI Bank

Premium Mastercard Rewards ₹0.25/pt

★★★★★

4.2

Joining Fee ₹2,999

Annual Fee ₹2,999

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 points per ₹100

Dining 10 points per ₹100

Groceries 10 points per ₹100

Entertainment 10 points per ₹100 on movies

Fuel 1% surcharge waiver

Apply

Reliance SBI Credit Card

SBI Bank

Co-Branded Rupay Shopping ₹0.25/pt

★★★★★

4.2

Joining Fee ₹499

Annual Fee ₹499

Point Value ₹0.25/pt

APR 42.00%

Foreign Txn 3.5%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹100

Online 5 points per ₹100 at Reliance Retail stores

Dining 5 points per ₹100

Entertainment 5 points per ₹100 on movies

Fuel 1% surcharge waiver

Apply

ICICI Bank MakeMyTrip Platinum Credit Card

ICICI Bank

Co-Branded Visa Lounge ₹1/pt

★★★★★

4.2

Joining Fee ₹500

Annual Fee Lifetime Free

Point Value ₹1/pt

APR 40.8%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Fuel 1% surcharge waiver at HPCL

Apply

Flipkart Axis Bank Credit Card

Axis Bank

Co-Branded Mastercard Cashback Cashback

★★★★★

4.2

Joining Fee ₹500

Annual Fee ₹500

Point Value Cashback

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge None

Reward Rates

Base 1.5%

Online 5% on Flipkart, 4% on preferred merchants

Fuel 1% surcharge waiver

Apply

Indian Oil HDFC Bank Credit Card

HDFC Bank

Co-Branded Visa Fuel ₹0.96/pt

★★★★★

4.1

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹0.96/pt

APR 43.2%

Foreign Txn 3.50%

Fuel Surcharge 2.50%

Reward Rates

Base 1 point per ₹150

Fuel 5% as Fuel Points at IndianOil, 1% surcharge waiver

Groceries 5% as Fuel Points

Utilities 5% as Fuel Points on bill payments

Apply

6E - Rewards Indigo HDFC Bank Credit Card

HDFC Bank

Co-Branded Mastercard Travel ₹1/pt

★★★★★

4.1

Joining Fee ₹500

Annual Fee ₹500

Point Value ₹1/pt

APR 43.2%

Foreign Txn 3.50%

Fuel Surcharge 2.50%

Reward Rates

Fuel 1% 6E Rewards per ₹100

Apply

BPCL SBI Octane Credit Card

SBI Bank

Co-Branded Visa Fuel ₹0.25/pt

★★★★★

4

Joining Fee ₹1,499

Annual Fee ₹1,499

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹100

Fuel 25 points per ₹100 at BPCL, 1% surcharge waiver

Groceries 10 points per ₹100

Dining 10 points per ₹100

Entertainment 10 points per ₹100 on movies

Apply

HPCL IDFC FIRST Power+ Credit Card

IDFC First Bank

Co-Branded Rupay Fuel Expenses ₹0.25/pt

★★★★★

4

Joining Fee ₹499

Annual Fee ₹499

Point Value ₹0.25/pt

APR 42.00%

Foreign Txn 3.5%

Fuel Surcharge None

Reward Rates

Base 3x points per ₹150

Fuel 24x points per ₹150 on HPCL Fuel & LPG

Groceries 30x points per ₹150

Utilities 30x points per ₹150

Apply

ICICI Bank Sapphiro Credit Card

ICICI Bank

Premium Mastercard Lifestyle ₹0.25/pt

★★★★★

4

Joining Fee ₹6,500

Annual Fee ₹3,500

Point Value ₹0.25/pt

APR 44%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 points per ₹100 on domestic

International 4 points per ₹100

Fuel 1% surcharge waiver

Apply

Adani One Signature Credit Card

ICICI Bank

Co-Branded Visa Travel ₹0.25/pt

★★★★★

4

Joining Fee ₹5,000

Annual Fee ₹5,000

Point Value ₹0.25/pt

APR 40.80%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1.5%

Travel 7% on Adani One ecosystem

International 2%

Utilities 0.5%

Insurance 0.5%

Fuel 1% surcharge waiver

Apply

American Express Gold Credit Card

American Express

Travel American Express Rewards ₹0.5/pt

★★★★★

4

Joining Fee ₹1,000

Annual Fee ₹4,500

Point Value ₹0.5/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 5x points via Reward Multiplier

Fuel 1 point per ₹50, 0% fee at HPCL under ₹5,000

Utilities 1 point per ₹50

Apply

Citi Bank Rewards Credit Card

Citi Bank

Regular Mastercard Rewards ₹0.3/pt

★★★★★

4

Joining Fee ₹1,000

Annual Fee ₹1,000

Point Value ₹0.3/pt

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹125

Online 10 points per ₹125 on apparel and department stores

Fuel 1% surcharge waiver at Indian Oil

Apply

Kotak League Platinum Credit Card

Kotak Bank

Lifestyle Visa Rewards ₹0.25/pt

★★★★★

4

Joining Fee ₹499

Annual Fee ₹499

Point Value ₹0.25/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 4x points per ₹150

Online 8x points per ₹150 on special categories

Fuel 1% surcharge waiver

Apply

AU Bank LIT Credit Card

AU Small Finance Bank

Regular Visa Lifestyle ₹0.25/pt

★★★★★

4

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value ₹0.25/pt

APR 43.08%

Foreign Txn 3.49%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹100

Online 10x or 5x points on online domestic & international transactions

Travel 5% cashback

Dining 5% cashback

Groceries 5% cashback

Fuel 1% surcharge waiver

Apply

HDFC Diners Club Black Credit Card

HDFC Bank

Premium Diners Club Lifestyle ₹0.3/pt

★★★★★

4

Joining Fee ₹10,000

Annual Fee ₹10,000

Point Value ₹0.3/pt

APR 23.88%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Base 5 points per ₹150

Online up to 10x points via SmartBuy

Dining 2x points on weekend dining

Fuel 1% surcharge waiver

Apply

IndusInd Bank Legend Credit Card

IndusInd Bank

Premium Mastercard Lifestyle ₹0.75/pt

★★★★★

4

Joining Fee ₹9,999

Annual Fee Lifetime Free

Point Value ₹0.75/pt

APR 46%

Foreign Txn 1.8%

Fuel Surcharge 1%

Reward Rates

Base 1 reward point per ₹150 on weekdays

Fuel 2.5% surcharge waiver

Apply

IndusInd Bank Indulge Credit Card

IndusInd Bank

Premium Visa Travel ₹1/pt

★★★★★

4

Joining Fee ₹2,00,000

Annual Fee Lifetime Free

Point Value ₹1/pt

APR 46%

Foreign Txn 1.8%

Fuel Surcharge 1%

Reward Rates

Base 1 reward point per ₹100 on weekdays, 2 reward points per ₹100 on weekends

Apply

Citi Bank Cashback Credit Card

Citi Bank

Cashback Mastercard Cashback Cashback

★★★★★

4

Joining Fee ₹500

Annual Fee ₹500

Point Value Cashback

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 0.5%

Entertainment 5% on movie tickets

Utilities 5% on telephone and utility bill payments

Apply

SBI Aurum Credit Card

SBI Bank

Co-Branded Visa Travel ₹0.25/pt

★★★★★

4

Joining Fee ₹9,999

Annual Fee ₹9,999

Point Value ₹0.25/pt

APR 45%

Foreign Txn 1.99%

Fuel Surcharge 1%

Reward Rates

Base 4 Reward Points per ₹100 spent

Fuel surcharge waiver capped at ₹400 per statement cycle

Apply

Axis Bank PRIMUS Credit Card

Axis Bank

Premium Visa Lifestyle ₹0.2/pt

★★★★★

4

Joining Fee ₹1,80,000

Annual Fee ₹1,80,000

Point Value ₹0.2/pt

APR 12.68%

Foreign Txn None

Fuel Surcharge 1%

Reward Rates

Base 1 EDGE Mile per ₹100 spent

International zero forex markup fee

Fuel 1% surcharge waiver on ₹400-₹10,000

Apply

Air India SBI Signature Credit Card

SBI Bank

Co-Branded Visa Travel ₹1/pt

★★★★★

4

Joining Fee ₹4,999

Annual Fee ₹4,999

Point Value ₹1/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 4 Reward Points per ₹100 spent

Fuel 1% surcharge waiver on ₹500-₹4,000, max ₹250 per cycle

Apply

Marriott Bonvoy HDFC Bank Credit Card

HDFC Bank

Co-Branded Diners Club Travel ₹0.8/pt

★★★★★

4

Joining Fee ₹3,000

Annual Fee ₹3,000

Point Value ₹0.8/pt

APR 43.20%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 Marriott Bonvoy Points per ₹150 spent

Travel 4 Marriott Bonvoy Points per ₹150 spent

Dining 4 Marriott Bonvoy Points per ₹150 spent

Entertainment 4 Marriott Bonvoy Points per ₹150 spent

Apply

Axis Bank Privilege Credit Card

Axis Bank

Travel Mastercard Lifestyle ₹0.2/pt

★★★★★

4

Joining Fee ₹1,500

Annual Fee ₹1,500

Point Value ₹0.2/pt

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Fuel 1% surcharge waiver on ₹400-₹4,000, max ₹400/month

Apply

YES Prosperity Rewards Plus Credit Card

Yes Bank

Regular Mastercard Reward Points ₹0.25/pt

★★★★★

4

Joining Fee ₹399

Annual Fee ₹399

Point Value ₹0.25/pt

APR 45.60%

Foreign Txn 3.40%

Fuel Surcharge 1%

Reward Rates

Base 4 Reward Points per ₹200

Travel 8 Reward Points per ₹200

Dining 8 Reward Points per ₹200

Fuel 1% surcharge waiver on ₹400-₹5,000

Apply

Induslnd Bank Platinum Visa Credit Card

IndusInd Bank

Regular Visa Lifestyle ₹0.85/pt

★★★★★

3.9

Joining Fee ₹3,000

Annual Fee Lifetime Free

Point Value ₹0.85/pt

APR 46%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1.5 reward points per ₹150 spent

Fuel 1% surcharge waiver on ₹400-₹4,000

Apply

IndusInd Bank Duo Credit Card

IndusInd Bank

Regular Visa Lifestyle ₹0.5/pt

★★★★★

3.9

Joining Fee ₹249

Annual Fee Lifetime Free

Point Value ₹0.5/pt

APR 46%

Foreign Txn 2%

Fuel Surcharge 1%

Reward Rates

Fuel 1% surcharge waiver on ₹400-₹4,000

Apply

Airtel Axis Bank Credit Card

Axis Bank

Co-Branded Visa Utility Cashback

★★★★★

3.8

Joining Fee ₹500

Annual Fee ₹500

Point Value Cashback

APR 52.86%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1%

Utilities 10% on utility bill payments

Dining 10% on Swiggy and Zomato

Groceries 10% on BigBasket

Fuel 1% surcharge waiver on ₹400-₹4,000

Apply

Fibe Axis Bank Credit Card

Axis Bank

Co-Branded Rupay Cashback Cashback

★★★★★

3.8

Joining Fee Free to Join

Annual Fee Lifetime Free

Point Value Cashback

APR 52.86%

Foreign Txn 3.5%

Fuel Surcharge 1%

Reward Rates

Base 1%

Dining up to 3%

Entertainment up to 3%

Fuel 1% surcharge waiver on ₹400-₹5,000

Apply

HSBC Live+ Credit Card

HSBC Bank

Cashback Visa Cashback Cashback

★★★★★

3.8

Joining Fee ₹999

Annual Fee ₹999

Point Value Cashback

APR 41.88%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1.5%

Dining 10%

Groceries 10%

Apply

IndianOil Citi Bank Credit Card

Citi Bank

Co-Branded Mastercard Fuel ₹1/pt

★★★★★

3.7

Joining Fee ₹1,000

Annual Fee ₹1,000

Point Value ₹1/pt

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1 point per ₹150 spent

Fuel 1% surcharge reversal + 4 points per ₹150 on fuel

Groceries 2 points per ₹150 spent

Apply

AU Bank Zenith Credit Card

AU Small Finance Bank

Premium Visa Lifestyle ₹0.25/pt

★★★★★

3.7

Joining Fee ₹7,999

Annual Fee ₹7,999

Point Value ₹0.25/pt

APR 23.88%

Foreign Txn 1.99%

Fuel Surcharge 1%

Reward Rates

Base 5 Reward Points per ₹100

Dining 20 Reward Points per ₹100

International 10 Reward Points per ₹100

Groceries 10 Reward Points per ₹100

Fuel 1% surcharge waiver, max ₹1,000 per statement cycle

Apply

Kotak Royale Signature Credit Card

Kotak Bank

Premium Visa Travel ₹0.18/pt

★★★★★

3.5

Joining Fee Free to Join

Annual Fee ₹999

Point Value ₹0.18/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2X rewards per ₹150

Dining 4X rewards per ₹150

Travel 4X rewards per ₹150

International 4X rewards per ₹150

Fuel surcharge waiver on ₹500-₹3,000, max ₹3,500/year

Apply

Citi Bank PremierMiles Credit Card

Citi Bank

Travel Mastercard Travel ₹0.2/pt

★★★★★

3.5

Joining Fee ₹3,000

Annual Fee ₹3,000

Point Value ₹0.2/pt

APR 45%

Foreign Txn 3.50%

Fuel Surcharge 1%

Apply

Club Vistara SBI Credit Card

SBI Bank

Co-Branded Mastercard Travel ₹1/pt

★★★★★

3.5

Joining Fee ₹1,499

Annual Fee ₹1,499

Point Value ₹1/pt

APR 42%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 3 CV Points per ₹200 spent

Apply

RBL Bank Platinum Maxima Credit Card

RBL Bank

Travel Mastercard Rewards ₹0.25/pt

★★★★★

3.5

Joining Fee ₹2,000

Annual Fee ₹2,000

Point Value ₹0.25/pt

APR 47.88%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 2 Reward Points per ₹100 spent

Dining 10 Reward Points per ₹100

Entertainment 10 Reward Points per ₹100

Utilities 10 Reward Points per ₹100

International 10 Reward Points per ₹100

Apply

HSBC TravelOne Credit Card

HSBC Bank

Travel Mastercard Travel ₹1/pt

★★★★★

3.5

Joining Fee ₹4,999

Annual Fee ₹4,999

Point Value ₹1/pt

APR 45%

Foreign Txn 3.75%

Fuel Surcharge 1%

Reward Rates

Base 2 reward points per ₹100 spent

Travel 4 reward points per ₹100 spent on flights and travel aggregators

International 4 reward points per ₹100 spent on foreign currency transactions

Apply

ixigo AU Credit Card

AU Small Finance Bank

Co-Branded Visa Travel ₹0.25/pt

★★★★★

3.5

Joining Fee ₹999

Annual Fee ₹999

Point Value ₹0.25/pt

APR 45%

Foreign Txn None

Fuel Surcharge Upto ₹250

Reward Rates

Base 5 reward points per ₹200 offline

Online 10 reward points per ₹200 on online purchases

Travel 20 reward points per ₹200 on train bookings via ixigo

International 0% forex markup

Fuel 1% surcharge waiver up to ₹250 on ₹400-₹5,000

Apply

AU Bank Altura Credit Card

AU Small Finance Bank

Cashback Visa Cashback Cashback

★★★★★

3.5

Joining Fee ₹199

Annual Fee ₹199

Point Value Cashback

APR 43.08%

Foreign Txn 3.49%

Fuel Surcharge 1%

Reward Rates

Base 1%

Groceries 2%

Utilities 2%

Fuel 1% surcharge waiver on ₹400-₹5,000

Apply

Adani One ICICI Bank Platinum Credit Card

ICICI Bank

Co-Branded Visa Travel ₹0.25/pt

★★★★★

3.5

Joining Fee ₹750

Annual Fee ₹750

Point Value ₹0.25/pt

APR 40.80%

Foreign Txn 3.50%

Fuel Surcharge 1%

Reward Rates

Base 1%

International 1.5%

Utilities 0.5%

Insurance 0.5%

Fuel 1% surcharge waiver on transactions up to ₹4,000

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