’50,000+ / month on travel
You spend on travel & hotels
Spend over ₹50,000/month on flights and stays? A premium travel card with lounge access and milestone benefits pays for itself in two trips.
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Compare credit cards from HDFC, ICICI, SBI, Axis, and more — with real rewards, real fees, and no bias.
Data as of 26 Jun 2026
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
Decision guide
The right card is the one that matches how you actually spend. Pick your spending pattern below — we'll point you to the right category, then to the cards themselves.
’50,000+ / month on travel
Spend over ₹50,000/month on flights and stays? A premium travel card with lounge access and milestone benefits pays for itself in two trips.
See travel cardsBrowse
We track every credit card in India across 24+ issuers and all four card networks. Use the tools below to go deeper than the home page.
Data as of 26 Jun 2026
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across 24+ issuers
public + private
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Calculators
Editor's picks, refreshed weekly.
Data as of 26 Jun 2026
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
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Every fee, reward rate, and benefit on every card is re-verified by our editorial team on a rolling 30-day cycle. The 'Data as of' date on each card surfaces the last verification.
Banks cannot pay for inclusion, ranking position, or review prominence. We score cards on rewards value, fee-to-reward ratio, lounge access, and acceptance — in that order.
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Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
Groceries · fuel · utilities · dining
Groceries, fuel, utilities, dining? A cashback or accelerated-rewards card with 5%+ on those categories out-earns any premium card at the same fee.
No prior card · first application
Start with a lifetime-free card from a bank you already hold a salary or savings account with — approval odds are dramatically higher and there's no fee risk.
See lifetime-free cardsrewards, EMI, eligibility
no signup, no paywall
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
Super-premium travel: lifetime-free vs points transfer
The RBI's 2026 changes to interchange, late fees, dispute timelines, and card-tokenisation — what they mean for you.
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Compare cards by network — acceptance, forex markup, and lounge access.
Reward-rate optimisations, statement-cycle timing, and tricks issuers hope you don't know.
