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 68 cards
HDFC Bank
Best valueTata Neu Infinity HDFC Bank
The strongest RuPay option, earning NeuCoins on UPI plus 5% across Tata brands.
Up to 5% NeuCoinsLounge access
Annual fee
₹1,499 + GST
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
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 Signature
Reward points across Adani airports, Adani One travel bookings and partner brands.
Up to 7% Adani reward pointsLounge access
Annual fee
₹1,000 + GST
Axis Bank
Data verifiedAirtel Axis Bank Credit Card
25% cashback on Airtel recharges and broadband, 10% on utilities and quick commerce.
25% on Airtel billsLounge access
Annual fee
₹500 + GST
American Express
Data verifiedAmex Membership Rewards Card
Milestone bonus points and a voucher-led catalogue that suits steady monthly spenders.
1 MR point per ₹50
Annual fee
₹4,500 + 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
AU Small Finance Bank
Data verifiedAU Bank Altura Plus
Cashback on grocery, departmental store and fuel spend with a low waivable fee.
2% on groceries & fuelLounge access
Annual fee
₹499 + GST
AU Small Finance Bank
Data verifiedAU Bank Business Advantage
Flat cashback on vendor, utility and fuel spend for proprietors and small firms.
2% on business spend
Annual fee
₹999 + GST
Axis Bank
Data verifiedAxis Bank ACE
5% cashback on utility and recharge payments made through Google Pay, 2% flat elsewhere.
5% on bills via Google PayLounge access
Annual fee
₹499 + GST
Axis Bank
Data verifiedAxis Bank Cashback (ex-Citi)
Cashback on telephone, electricity bills and movie tickets from the migrated Citi range.
5% on bills & movies
Annual fee
₹500 + GST
Axis Bank
Data verifiedAxis Bank Rewards (ex-Citi)
Migrated Citi Rewards card, still one of the better apparel and department store earners.
10x on apparel & department stores
Annual fee
₹1,000 + GST
Axis Bank
Data verifiedAxis Bank Rewards Card
Accelerated points on apparel, departmental stores and jewellery spend.
10 EDGE points per ₹200Lounge access
Annual fee
₹1,000 + GST
Axis Bank
Data verifiedAxis Bank SELECT
BigBasket and Swiggy vouchers each month with domestic and international lounge visits.
10 EDGE points per ₹200Lounge access
Annual fee
₹3,000 + 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
SBI Card
Data verifiedBigBasket SBI Card SELECT
5% back on BigBasket orders plus vouchers that offset the annual fee.
5% on BigBasketLounge access
Annual fee
₹1,499 + GST
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 Eterna Credit Card
5% accelerated earning on travel, dining and international spend plus lounge access.
5% on travel & diningLounge access
Annual fee
₹2,499 + GST
Bank of Baroda
Data verifiedBoB Premier Credit Card
Low renewal fee with accelerated dining and travel rewards and a lounge visit each quarter.
4% on travel & diningLounge access
Annual fee
₹500 + GST
Bank of Baroda
Data verifiedBoB Select Credit Card
Movie ticket discounts and dining accelerators at a fee that waives on modest spend.
5% on movies & diningLounge access
Annual fee
₹750 + 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
SBI Card
Data verifiedBPCL SBI Card Octane
The strongest fuel card in India for BPCL customers, with a surcharge waiver included.
7.25% value back on fuelLounge access
Annual fee
₹1,499 + GST
Canara Bank
Data verifiedCanara Bank RuPay Select
RuPay Select benefits include lounge visits, gym offers and rewards on UPI spend.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹500 + GST
Not sure where to start?
Tell us your profile on the home page and we'll cut 181 cards down to the three worth your time.
Get my shortlist