Which credit card is best in India?

The 'best' credit card depends on how you spend. HDFC Infinia and Axis Atlas dominate for premium travel; SBI Cashback and HDFC Cashback lead cashback; Amazon Pay ICICI and Axis ACE are top lifetime-free picks.

How do I get my first credit card?

Start with a lifetime-free card from a bank where you already hold a salary or savings account. Approval odds are dramatically higher for existing customers, and you'll usually get a higher credit limit on day one.

What credit score do I need?

Most Indian credit cards require a CIBIL score of 700+ for approval, and 750+ for premium cards. A score below 650 will likely be declined. Use our free eligibility checker for a soft estimate without affecting your credit score.

How do reward points work?

Reward points are the issuer's way of giving back a percentage of your spend. Each point is worth a fixed value when redeemed — typically 0.25 to 1 rupee per point. Premium cards often have higher point values and category bonuses. Our free reward points calculator converts your spending into actual rupee value.

What's a lifetime-free credit card?

A lifetime-free (LTF) credit card has zero annual fee and zero renewal fee for the entire life of the card. Most entry-level and mid-tier cards from Indian banks have an LTF version if you spend above a threshold (typically ₹10,000-20,000 per year).

All Credit Cards in India — Compare & Filter

Compare 140credit cards from India's top banks — HDFC, ICICI, SBI, Axis, Kotak, American Express, and more. Filter by rewards, fees, network, and benefits to find the card that fits your spending pattern.

Every card on FinWiz24 is editor-verified on a 30-day rolling cycle. We never accept payment for inclusion or ranking position — our editor's pick is the single best card for the average user, not the highest-paying partner. Use the filters below to narrow by bank, network (Visa, Mastercard, RuPay, Amex), category (travel, cashback, fuel, shopping, dining, premium, lifetime-free), or fee structure.

Data as of 19 Jun 2026

HDFC Bank

HDFC Infinia Credit Card

5 reward points per ₹150 — Best for premium · lounge-access · travel.

premiumlounge-accesstravel

Annual Fee₹12,500

Reward Rate5 reward points per ₹150

All Credit Cards in India — Compare & Filter

HDFC Infinia Credit Card

Axis Flipkart Credit Card

ICICI Coral Credit Card

ICICI Emeralde Credit Card

ICICI Platinum Credit Card

ICICI Sapphiro Credit Card

SBI Card ELITE

SBI Cashback Credit Card

Axis Atlas Credit Card

AU LifeTime Free Credit Card

Amex Membership Rewards Credit Card

Amex SmartEarn Credit Card

Yes Bank YES Premia Credit Card

IDFC FIRST Select Credit Card

OneCard Metal Credit Card

HDFC Bank MoneyBack Credit Card

IndiGo SBI Card

HDFC Bank MoneyBack Plus Credit Card

Flipkart SBI Card

IndiGo SBI Card ELITE

Tata Neu Infinity SBI Card

Tata Neu Plus SBI Card

Apollo SBI Card SELECT

HDFC Bank Tata Neu Plus Credit Card

HDFC Bank Tata Neu Infinity Credit Card

HDFC Bank Shopper's Stop Credit Card

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HDFC Bank IRIS Credit Card

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HDFC Bank PayZapp Credit Card

HDFC Bank RuPay Credit Card

Myntra HDFC Bank Credit Card

ICICI Bank Rubyx Credit Card

HDFC Bank Regalia Gold Credit Card

ICICI HPCL Coral Credit Card

ICICI Bank Femina Credit Card

ICICI Bank Gemstone Credit Card

ICICI Bank Tata Neu Credit Card

ICICI Bank Bvlgari Credit Card

SBI Card PRIME

SBI Card Pulse

SBI Card Aurion

SBI Card Signature

SBI Card Tata Neu

SBI Unnati Credit Card

SBI BPCL Credit Card

SBI Card Yatra

SBI Doctor's Credit Card

SBI ApL Platinum Credit Card

Standard Chartered Journey Credit Card

Axis Reserve Credit Card

Axis Select Credit Card

Axis MyZone Credit Card

Axis Pride Credit Card

Axis Neo Credit Card

Axis Aura Credit Card

Axis Swiggy Credit Card

Axis Bank RuPay Credit Card

Amex Platinum Reserve Credit Card

Amex Gold Credit Card

Kotak League Platinum Credit Card

Kotak Zenith Credit Card

Kotak 811 Dream Different Credit Card

Axis Magnus Credit Card

Kotak White Reserve Credit Card

Kotak RuPay Credit Card

Yes Bank YES First Preferred Credit Card

Yes Bank YES First Exclusive Credit Card

Yes Bank YES Prosperity Credit Card

Yes Bank Marvel Plus Credit Card

AU Aldiyar Credit Card

AU RuPay Credit Card

IDFC FIRST Millennia Credit Card

IDFC FIRST Wealth Credit Card

IDFC FIRST Ashva Credit Card

OneCard RuPay Credit Card

Standard Chartered Platinum Credit Card

Standard Chartered Titanium Credit Card

Standard Chartered Super ValueTitanium Credit Card