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
AU Small Finance Bank · RuPay / Visa
AU Bank Altura
A ₹199 card that still pays cashback on groceries and fuel — a fine first card.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹199 + GST, renewal ₹199 + GST.
- Annual fee waives once you spend ₹50,000 in a card year.
- Headline earn rate: 1.5% on groceries & fuel.
- No complimentary airport lounge access on this card.
Also worth comparing for cheapest cashback card
IDFC FIRST Bank
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Lifetime free with never-expiring points and a 10x rate above ₹20,000 monthly spend.
Up to 10x reward pointsLounge access
Annual fee
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SBI Card
Data verifiedBPCL SBI Card
Low-fee BPCL co-brand for drivers who spend ₹5,000-10,000 a month on fuel.
4.25% value back on fuel
Annual fee
₹499 + GST
Ready to apply for the AU Bank Altura?
Takes under a minute. We hand you off to AU Small Finance Bank's official secure application — no middlemen, no data resold.