Skip to content
Compare Cards

Directory

All credit cards

Browse our full directory of 148 active credit cards. Filter by bank, network, or category to find cards that match your spend pattern and eligibility bar.

Directory at a glance

Active cards
148
Updated weekly
Issuers
23
Banks and fintechs
Networks
4
Visa, Mastercard, RuPay, Amex
Lifetime-free
43
No annual fee, ever

Editor's pick

Three cards spanning different issuers and spend patterns — a starting point if you want a default before you filter.

Browse by category

Cards are tagged by the spend category they reward best — fuel, dining, online shopping, travel, lifetime-free, and more. Pick the category that matches your top monthly spend.

Browse by network

Five card networks are active in India: Visa and Mastercard run on partner-bank rails; RuPay is the domestic alternative operated by NPCI; Amex and Diners Club are premium networks with narrower everyday acceptance.

How to choose a credit card

A good card rewards you on the spend you actually do, charges a fee you can clear, and meets your eligibility bar. Use these four checks before you apply.

  1. Step 1

    Map your top spend

    Look at last month's statement split. Fuel, dining, online shopping, and travel each have specialised cards that pay 5–10x the base reward rate.

  2. Step 2

    Check the eligibility bar

    Minimum income ranges from ₹3 lakh for entry-tier cards to ₹25 lakh+ for super-premium. Self-employed applicants usually face a higher threshold.

  3. Step 3

    Compare fee vs reward

    A ₹10,000 annual fee is only worth it if your yearly rewards exceed ₹10,000. Most paid cards waive the fee on minimum annual spends.

  4. Step 4

    Match the network

    Pick RuPay for India-only spend with zero forex markup, Visa or Mastercard for international travel, and Amex only where you know it's accepted.

Browse all cards

Sort by: Featured Top rewards Lowest fee Lifetime-free A→Z

5 cards tracked

Frequently asked questions

How many credit cards does FinWiz24 track?
FinWiz24 tracks every credit card we can source from Indian issuers (HDFC, ICICI, SBI, Axis, Kotak, and others) and networks (Visa, Mastercard, RuPay, Amex, Diners). The live count sits at the top of the /credit-cards page and updates as we add or retire cards. Discontinued and sourcing-stopped cards stay on the site as reference for existing cardholders.

Which credit card is best in India?
There is no single best card — it depends on your top spend category. Cashback cards suit everyday shopping, rewards cards suit dining and groceries, travel cards suit flights and hotels, and fuel cards waive the 1% surcharge at fuel stations. Use the category filters or the Compare tool to match a card to your monthly spend pattern.

What is a lifetime-free credit card?
A lifetime-free credit card carries no annual or joining fee for the life of the account, so every reward you earn is net value. Lifetime-free cards usually have lower reward ceilings than paid cards but avoid the fee-vs-reward calculation you need to do for a card with a ₹500–₹30,000 annual fee.

How do I pick the right credit card?
Identify your top spend categories (dining, fuel, online shopping, travel, EMI), check your eligibility bar (income, age, credit score), then compare fee against reward on each card's detail page. A good rule of thumb: pick a lifetime-free option if the fee would exceed one year of rewards, and pick a fee-charging premium card if your annual spend is high enough to clear the issuer's waiver threshold.

How is FinWiz24 different from issuer sites?
We list every Indian credit card in one place with side-by-side fees, reward rates, eligibility, lounge access, and forex markup. Every quantitative claim cites a primary source (issuer T&Cs, RBI circulars, SEBI filings) and is reviewed against the latest fee schedule. Some cards carry an apply CTA; where it does, we mark it as a sponsored affiliate link and disclose the relationship.