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
The catalogue
Every card we track in India, in one place.
181 cards from 33 issuers, with published fees, reward rates and waiver thresholds. 8 carry a full written review; the rest are data-verified entries you can filter and compare.
Showing 24 of 45 cards
IDFC FIRST Bank
ReviewedIDFC FIRST Select
Lifetime free with never-expiring points and a 10x rate above ₹20,000 monthly spend.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
ICICI Bank
Data verifiedAdani One ICICI Platinum
Lifetime-free co-brand with airport-linked rewards and a complimentary lounge visit each quarter.
Up to 5% Adani reward pointsLounge access
Annual fee
Lifetime free
American Express
Data verifiedAmerican Express SmartEarn
10x points on Amazon, Flipkart, Swiggy, Zomato and Uber at the lowest Amex fee.
10x on select partners
Annual fee
₹495 + GST
AU Small Finance Bank
Data verifiedAU Bank Altura
A ₹199 card that still pays cashback on groceries and fuel — a fine first card.
1.5% on groceries & fuel
Annual fee
₹199 + GST
Axis Bank
Data verifiedAxis Bank Insta Easy
Secured against a fixed deposit with instant approval and no income documentation.
6 EDGE points per ₹200Lounge access
Annual fee
Lifetime free
Axis Bank
Data verifiedAxis Bank MY ZONE
SonyLIV membership, Paytm movie offers and a lounge visit each quarter at a low fee.
4 EDGE points per ₹200Lounge access
Annual fee
₹500 + GST
Axis Bank
Data verifiedAxis Bank NEO
The cheapest Axis card, aimed at students and first-timers who want discount vouchers.
1 EDGE point per ₹200
Annual fee
₹250 + GST
Bank of India
Data verifiedBank of India RuPay Platinum
Lifetime-free RuPay card that lets you pay by UPI and still earn points.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
Bank of Baroda
Data verifiedBoB Assure Credit Card
Secured against a Bank of Baroda deposit with no income proof and no annual fee.
1 pt per ₹100
Annual fee
Lifetime free
Bank of Baroda
Data verifiedBoB Easy Credit Card
Fee waives at just ₹25,000 of annual spend, so it is effectively free for most users.
5% on groceries & movies
Annual fee
₹500 + GST
Bank of Baroda
Data verifiedBoB Snapdeal Credit Card
A ₹249 co-brand that returns Snapdeal vouchers on everyday shopping.
Snapdeal cashback vouchers
Annual fee
₹249 + GST
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
Deutsche Bank
Data verifiedDeutsche Bank Lifestyle Card
Lifetime-free card with dining discounts for Deutsche Bank customers in India.
1 pt per ₹100
Annual fee
Lifetime free
Equitas Small Finance Bank
Data verifiedEquitas Elegance Credit Card
Flat 1% cashback with no categories to track and no annual fee, plus lounge visits.
1% cashback on all spendLounge access
Annual fee
Lifetime free
ESAF Small Finance Bank
Data verifiedESAF Bank RuPay Platinum
A straightforward lifetime-free option when large private banks decline the application.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
HDFC Bank
Data verifiedHDFC Freedom Card
A basic rewards card aimed at first-time cardholders with a low, waivable fee.
10x CashPoints
Annual fee
₹500 + GST
HDFC Bank
Data verifiedHDFC MoneyBack+
Low-fee starter card with 10x CashPoints on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart.
10x on select merchants
Annual fee
₹500 + GST
HSBC
Data verifiedHSBC Visa Platinum Credit Card
Lifetime-free card with fuel surcharge waiver and instant EMI conversion.
2 points per ₹150
Annual fee
Lifetime free
ICICI Bank
Data verifiedICICI Bank Coral Credit Card
Buy-one-get-one movie tickets and quarterly lounge visits at a modest fee.
2 pts per ₹100Lounge access
Annual fee
₹500 + GST
ICICI Bank
Data verifiedICICI Bank Expressions Card
Choose your own card face; benefits mirror the entry lifestyle range with movie offers.
2 pts per ₹100Lounge access
Annual fee
₹500 + GST
ICICI Bank
Data verifiedICICI Bank Platinum Chip
A no-frills lifetime-free card that keeps a credit line open without any annual cost.
2 pts per ₹100
Annual fee
Lifetime free
IDBI Bank
Data verifiedIDBI Bank Aspire RuPay
Lifetime-free RuPay card for IDBI customers who want UPI-linked credit.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
IDBI Bank
Data verifiedIDBI Bank Imperium Platinum
Straightforward everyday card for IDBI customers with fuel surcharge waiver.
2 pts per ₹100
Annual fee
₹499 + GST
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