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 140 credit 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.

Cards: 140
Banks: 14+
Networks: 4
Categories: 13

Data as of 26 Jun 2026

Can't find your card?

We're always adding new cards. If a card is missing from this catalog, suggest it for review — we'll verify the fees and reward rate with the bank, then publish it for everyone.

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How to use this credit card catalog

Every card on this page is editor-verified and scored on a transparent rubric — reward value, fee-to-reward ratio, lounge access quality, and acceptance. Use the filter sidebar to narrow by bank, network, category, or fee structure. Click any card to see its full fee schedule, reward rate, eligibility, and user reviews. When you've picked two to four cards, hit "Compare" to see them side-by-side on a single table.

If you're new to credit cards, our beginner guides cover rewards, fees, and how to maximise value. Confused by a term? The glossary explains over 1,000 banking and credit-card terms in plain English. For the math behind the rankings, our free calculators convert reward points, EMI costs, and lifetime savings into rupees. Not sure which card you qualify for? The eligibility checker matches you to cards based on your income, credit score, and city.

All Credit Cards in India — Compare & Filter

HDFC Bank Regalia Gold Credit Card

AU LifeTime Free Credit Card

PNB Global Gold Credit Card (Visa)

ICICI Sapphiro Credit Card

HDFC Bank MoneyBack Credit Card

Amex Membership Rewards Credit Card

Amex SmartEarn Credit Card

ICICI Bank Tata Neu Credit Card

SBI BPCL Credit Card

Kotak 811 Dream Different Credit Card

Axis Bank RuPay Credit Card

Standard Chartered Platinum Credit Card

ICICI Coral Credit Card

IndusInd Bank Celeste Credit Card

Axis Select Credit Card

Canara Bank Select Credit Card

DBS Live Fresh Credit Card

Jupiter Prime Credit Card

Punjab National Bank Rakshak Credit Card

Axis Bank Burgundy Private Credit Card (The One Card)

Axis Bank Pride Platinum Credit Card

Bank of Baroda Select Credit Card

ICICI HPCL Coral Credit Card

SBI Card MILES

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