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
Standard Chartered · Visa Titanium
Standard Chartered Super Value Titanium
Cashback on fuel, telephone bills and utility payments with a low annual fee.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹750 + GST, renewal ₹750 + GST.
- No spend-based waiver, so the rewards have to cover the fee.
- Headline earn rate: 5% on fuel & bills.
- No complimentary airport lounge access on this card.
Also worth comparing for fuel and utility bills
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
HDFC Bank
Data verifiedIndianOil HDFC Bank Credit Card
5% back as fuel points at IndianOil outlets with a surcharge waiver on most refuels.
5% fuel points
Annual fee
₹500 + GST
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