HDFC Bank
ReviewedHDFC Bank Millennia
5% cashback across ten popular online brands with a fee most users waive on spend.
5% on select merchantsLounge access
Annual fee
₹1,000 + GST
American Express · American Express
American Express SmartEarn
10x points on Amazon, Flipkart, Swiggy, Zomato and Uber at the lowest Amex fee.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹495 + GST, renewal ₹495 + GST.
- No spend-based waiver, so the rewards have to cover the fee.
- Headline earn rate: 10x on select partners.
- No complimentary airport lounge access on this card.
Also worth comparing for low-fee online rewards
SBI Card
Top pickSBI Cashback Card
5% cashback on almost every online merchant with no category list to memorise.
5% online, 1% offline
Annual fee
₹999 + GST
ICICI Bank
Best valueAmazon Pay ICICI Credit Card
Lifetime-free card with 5% back for Prime members — the default first card for online shoppers.
5% on Amazon (Prime)
Annual fee
Lifetime free
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