Public sector banks
Government-owned lenders like SBI, PNB, and Canara. Lower fees, wider small-town acceptance, modest reward rates.
3 issuers
Directory
Credit card issuers in India
Every credit card issuer we track — 24 issuers covering 147 active cards across public-sector banks, private banks, foreign banks, small finance banks, and fintechs. Pick an issuer to see its full lineup, fees, and reward rates side by side.
Directory at a glance
Issuers tracked
24
Public, private, foreign, fintech
Active cards
147
Across every issuer
Networks covered
5
Visa, Mastercard, RuPay, Amex, Diners
Lifetime-free cards
44
No annual fee, ever
Browse issuers
Issuers are sorted alphabetically. Each issuer's card count reflects the active lineup we currently track; the count updates as we add or retire cards.
Types of card issuers in India
Indian credit card issuers fall into five broad categories. Knowing which type issues a card helps you understand fee philosophy, reward structure, and the kind of customer the card is built for.
Private sector banks
HDFC, ICICI, Axis, Kotak, YES, IndusInd and similar. Larger card lineups spanning entry to super-premium, with co-brand partnerships and milestone benefits.
9 issuers
Foreign banks
HSBC, Standard Chartered, Citi, DBS. Compact India lineups focused on travel and premium segments; foreign-currency acceptance tends to be strong.
5 issuers
Small finance banks
AU Small Finance Bank and similar. Fee-conscious products aimed at tier-2/3 customers and SME owners.
1 issuer
Fintech issuers
OneCard, Slice, Jupiter, Niyo, Uni. Mobile-first cards built on partner-bank rails, often with metal finishes, app-only onboarding, and youth-focused underwriting.
5 issuers
Subsidiaries
BOBCARD and similar — dedicated card-issuing arms of larger banks (or formerly of GE Capital).
1 issuer
How we organise issuers
Every issuer page on FinWiz24 lists its active cards, a fee-and-reward snapshot, contact details, and FAQs. The card grid is sorted by name; each card opens to a full review with eligibility, fees, rewards, and the apply CTA. Discontinued and sourcing-stopped cards stay on the site as a reference for existing holders but are filtered out of active listings.
Frequently asked questions
How many credit card issuers operate in India?
India has around two dozen RBI-licensed and partner-rail card issuers spanning public-sector banks (SBI, PNB, Canara), private banks (HDFC, ICICI, Axis, Kotak), foreign banks (HSBC, Standard Chartered), small finance banks (AU), and fintech issuers (OneCard, Slice, Jupiter). FinWiz24 tracks every active issuer plus discontinued cards for existing holders.
Which bank issues the most credit cards in India?
HDFC Bank and SBI run the largest active card books in the country by number of unique products, followed by ICICI Bank and Axis Bank. Each issuer's card count is published live on its /banks/<slug>/ landing so you can compare lineup depth at a glance.
How do I pick the right bank for a credit card?
Match the issuer's lineup to your spend pattern: HDFC and ICICI for premium travel and lounge cards, SBI for low fees and small-town acceptance, Axis for aggressive reward co-brands, IDFC First for fee transparency, AU and Federal for value-tier cashback. Each bank's landing page lists every active card, fee range, and reward rate we track.
Are credit card issuers regulated by RBI?
Yes. Banks that issue cards operate under an RBI banking licence and follow RBI's card-issuance, fair-practice, and data-protection norms. Fintechs that issue cards do so on partner-bank rails, so the underlying credit activity is RBI-regulated even if the fintech brand itself is not a bank.