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
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 36 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
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
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
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
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 CRED Credit Card
Invite-led lifetime-free card managed inside the CRED app with coin-based rewards.
Up to 5% CRED coinsLounge access
Annual fee
Lifetime free
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 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 IPL RuPay Credit Card
Match-linked cashback events, RuPay UPI earning and food delivery accelerators.
Up to 5% on food & 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
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
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
Federal Bank
Data verifiedFi-Federal Amplifi Credit Card
Digital-first card from the Fi app with partner cashback and no annual fee.
Up to 3% on partner brands
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
IDFC FIRST Bank
Data verifiedIDFC FIRST Millennia
Entry lifetime-free card with welcome vouchers and one railway lounge visit each quarter.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
IDFC FIRST Bank
Data verifiedIDFC FIRST Power+
HPCL co-brand on RuPay, so fuel and UPI spend both earn rewards.
Up to 5% on HPCL fuelLounge access
Annual fee
₹499 + GST
Indian Bank
Data verifiedIndian Bank RuPay Select
Lounge access and UPI rewards for Indian Bank savings customers.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹500 + GST
RBL Bank
Data verifiedIndianOil RBL Bank Fuel Lite
A cheap fuel card that suits two-wheeler and small-car owners refuelling weekly.
5% value back on fuel
Annual fee
₹350 + GST
IndusInd Bank
Data verifiedIndusInd Samman RuPay
Designed for government staff, lifetime free, and it earns on UPI transactions.
1 pt per ₹100 on UPI tooLounge access
Annual fee
Lifetime free
HDFC Bank
Data verifiedIRCTC HDFC Bank Credit Card
RuPay card that earns on UPI and returns 5% on IRCTC rail bookings with railway lounge access.
5% on IRCTC bookingsLounge access
Annual fee
₹500 + GST
AU Small Finance Bank
Data verifiedixigo AU Bank RuPay Card
Lifetime-free RuPay travel card that earns on UPI and refunds cancellation charges.
Up to 10% on ixigo bookingsLounge access
Annual fee
Lifetime free
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