Compare the best credit card credit cards in India — rewards, cashback, lounge access, and more.
Axis Bank
Axis Bank Flipkart credit card is a co-branded cashback card launched in partnership with Flipkart Group, India's largest e-commerce company. With 5% cashback on Flipkart and Myntra purchases (India's two largest fashion and general e-commerce platforms), capped at ₹1,500 per month, the card delivers exceptional value for regular online shoppers within the Flipkart Group ecosystem. For a household spending ₹30,000 per month on Flipkart and Myntra (electronics, fashion, home, groceries, and daily essentials are all available on Flipkart), the 5% cashback translates to ₹1,500 per month or ₹18,000 per year — a remarkable return that dwarfs the ₹500 annual fee. The ₹1,500 monthly cap is reached at ₹30,000 of Flipkart/Myntra purchases, meaning the card provides maximum benefit up to that threshold. The welcome Flipkart gift voucher of ₹500 — provided upon payment of the ₹500 joining fee — effectively makes the first year free. This is an exceptional welcome offer for a card with such a low annual fee structure. Beyond Flipkart and Myntra, the card earns 1.5% cashback on grocery and supermarket spends, 1% on dining and food delivery, and 0.5% on all other transactions. The 1% fuel surcharge waiver at BPCL pumps adds a modest saving for commuters. The card requires a minimum annual income of ₹2 lakhs and is available to individuals aged 21-55 years. The ₹50,000 annual spending threshold for annual fee reversal is approximately ₹4,167 per month — easily achievable for most working individuals. Source: Axis Bank official website, updated May 2026.
Axis Bank
Axis Bank Neo is a no-frills, entry-level credit card designed for first-time credit card users and young professionals who want meaningful cashback on online shopping without paying high annual fees. With zero joining fee and an annual fee of just ₹250 — reversed on spending ₹25,000 per year — the card is one of the most affordable cashback cards available in India. The card's 2% cashback on online shopping across Amazon, Flipkart, Myntra, and other major e-commerce platforms provides meaningful savings for digital natives who do most of their shopping online. For someone spending ₹10,000 per month on online shopping, this translates to ₹200 per month or ₹2,400 per year in cashback — a 9.6x return on the annual fee. Dining and food delivery cashback of 1% on Swiggy, Zomato, and restaurant spends addresses another high-frequency spending category for urban professionals. The 0.5% cashback on grocery and supermarket spends provides modest but consistent value for daily household purchases. The card's minimum income requirement of ₹1.5 lakhs per annum makes it accessible to young professionals starting their careers, students with part-time income, and gig workers with seasonal earnings. The ₹25,000 annual spending threshold for annual fee reversal is approximately ₹2,083 per month — highly achievable for most working individuals. While the card offers no airport lounge access, fuel surcharge waiver, or premium travel benefits, its value proposition is simplicity and affordability: a straightforward cashback card with no annual fee pressure and decent returns on online shopping and dining. Source: Axis Bank official website, updated May 2026.
Axis Bank
Axis Bank Privilege is a straightforward, all-round rewards credit card that earns 1% Edge Reward Points on all spends without any category restrictions, caps, or conditions. This simplicity is its primary appeal — unlike category-specific cards that require careful spending management to maximise rewards, the Axis Privilege card delivers 1% back on everything, everywhere. For a cardholder spending ₹1 lakh per month across categories (grocery, dining, shopping, bills, travel), the 1% reward translates to ₹1,000 per month or ₹12,000 per year in Edge Points. Over the card's ₹1,000 annual fee (reversed on spending ₹1 lakh per year), the net annual value is ₹11,000 — exceptional for a card with no category complexity. The 4 complimentary domestic airport lounge visits per year (through the Visa Lounge Access program) provide meaningful value for occasional travellers. While not unlimited, 4 visits per year is sufficient for most occasional flyers who take 2-3 domestic flights per year. The 1% fuel surcharge waiver across all fuel stations provides consistent savings for commuters. Combined with the 1% reward on the fuel transaction itself, users effectively earn 2% value on fuel spends — making the card competitive even against fuel-specific cards for moderate fuel spenders. The ₹1 lakh annual spending threshold for annual fee reversal is approximately ₹8,333 per month — easily achievable for most working professionals. The card's minimum income requirement of ₹2.5 lakhs per annum makes it accessible to a wide range of Indian consumers. Source: Axis Bank official website, updated May 2026.
Axis Bank
Axis Bank Pro is a unique utility bill-focused credit card that rewards utility bill payments — a category that virtually every Indian household spends on but few credit cards reward specifically. With 2% cashback on utility bills including electricity, water, gas, mobile postpaid, and broadband/internet bills, capped at ₹500 per month, the card provides meaningful savings on a recurring monthly expense. For an Indian household spending ₹5,000 per month on utility bills (₹2,500 electricity + ₹500 water + ₹1,000 gas + ₹500 mobile + ₹500 internet), the 2% cashback translates to ₹100 per month or ₹1,200 per year. This is entirely passive cashback — you earn it every month simply by paying your regular bills, with no additional spending required. The ₹500 monthly cap on utility cashback means the benefit maxes out at ₹25,000 per month in utility spends — sufficient for virtually all households in India. For those with multiple properties or high-consumption households, this cap ensures consistent maximum value. The ₹500 cashback on the first transaction within 30 days of card delivery effectively covers the annual fee of ₹550, making the first year nearly free. Dining and grocery cashback of 1.5% and 1% respectively on daily spending categories ensures the card delivers value beyond bill payments. The ₹75,000 annual spending threshold for annual fee reversal is approximately ₹6,250 per month — achievable for most working professionals who also use the card for daily expenses. Source: Axis Bank official website, updated May 2026.
HDFC Bank
HDFC Bank Easy EMI is a no-frills credit card designed for Indian consumers who want the convenience of credit and EMI options without paying any annual fee. The card's primary value proposition is converting large purchases into affordable equated monthly instalments (EMIs), making it particularly useful for buying appliances, electronics, furniture, and other big-ticket items. The card converts any purchase above ₹2,500 into EMI tenures ranging from 3 to 24 months, with competitive interest rates starting from 1.5% per month. Select merchant partners offer no-cost EMI options where the interest cost is borne by the retailer, allowing you to pay only the principal amount in equal monthly instalments. With zero annual fee and a minimum income requirement of just ₹1.5 lakhs per annum, the HDFC Easy EMI card is one of the most accessible credit cards in India, making it particularly suitable for first-time credit card users, students, or individuals in semi-urban areas who are new to formal credit. The card is accepted at over 40 million merchant outlets across India through the Visa network, ensuring wide acceptance whether you're shopping at a supermarket, paying at a restaurant, or booking a flight. Contactless payments are enabled up to ₹20,000 per transaction for quick, secure in-person payments. While the card offers no rewards, cashback, or lounge access, its value lies in providing affordable access to credit for everyday Indians who need to manage large purchases without financial strain. For budget-conscious consumers or those building their credit history, the HDFC Easy EMI card is a practical starting point. Source: HDFC Bank official website, updated May 2026.
HDFC Bank
HDFC Bank Millennia is a cashback-focused credit card specifically designed for India's growing base of online shoppers who make frequent purchases from Amazon, Flipkart, Myntra, and Tata Cliq. The card's standout feature is its 5% cashback rate on these four major e-commerce platforms, capped at ₹1,500 per month — making it one of the most rewarding cards for online shopping in India. The 5% cashback applies on combined spends across Amazon.in, Flipkart.com, Myntra.com, and Tata Cliq, with no minimum transaction value required. For a regular online shopper who spends ₹15,000 per month across these platforms, this translates to ₹750 per month or ₹9,000 per year in cashback — extraordinary value from a card with a ₹1,000 annual fee. Dining and movie ticket bookings earn 1% cashback, providing additional value for entertainment spends. All other purchases earn a baseline 0.5% cashback. Cashback is credited as Reward Points to the card account and can be redeemed for statement credit or gift vouchers. Four complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide meaningful value for occasional travellers, while the 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations adds to everyday savings. The card requires a minimum annual income of ₹3 lakhs and is available to individuals aged 21-55 years. The annual fee of ₹1,000 is reversed on spending ₹1 lakh or more in the previous anniversary year, which is achievable for most working individuals who shop online regularly. Source: HDFC Bank official website, updated May 2026.
HDFC Bank
HDFC MoneyBack+ is a value-focused credit card designed for everyday Indian consumers who want meaningful cashback on routine expenses without paying a high annual fee. With an annual fee of just ₹500 — reversed on spending ₹50,000 in the previous year — the card pays for itself with a single trip to the fuel pump or a month's worth of grocery shopping. The card's standout feature is the 2% cashback on fuel purchases at HPCL, BPCL, and IOCL fuel stations, applicable on transactions up to ₹4,000 per month. For someone who spends ₹4,000 per month on fuel, this translates to ₹80 cashback per month or ₹960 per year — well above the annual fee. The 1% fuel surcharge waiver further enhances savings at the pump. Grocery cashback of 1.5% on supermarket and kirana store purchases (via HDFC Bank's merchant network) provides daily savings for families. This is applied on spends at Foodworld, Spencer's, More, and other grocery chains, as well as spends categorized as groceries by HDFC's transaction processing. Dining and movie bookings earn 1% cashback, while all other spends earn a base 0.5% cashback. Cashback is credited as Reward Points to the cardholder's account and can be redeemed for statement credit or gift vouchers from HDFC's redemption catalogue. The card is ideal for individuals with a minimum annual income of ₹3 lakhs who want a no-frills cashback card focused on everyday spending categories. The ₹50,000 annual spending threshold for annual fee reversal is modest — approximately ₹4,167 per month — achievable for most working individuals. Source: HDFC Bank official website, updated May 2026.
ICICI Bank
ICICI Bank American Express Platinum is the most prestigious credit card in ICICI Bank's portfolio, positioned for ultra-high-net-worth individuals (UHNIs) and C-suite executives who demand the very best in travel privileges, lounge access, and international benefits. As an American Express card, it offers access to the Amex Global Lounge Collection — the world's largest network of airport lounges, covering over 1,000 airport lounges across 130+ countries. The card's unlimited domestic airport lounge access at 100+ airports in India through the Amex network is a standout feature, as most premium cards cap lounge visits at 8-12 per year. For frequent domestic travellers — particularly those who fly multiple times per month for business — unlimited lounge access can be worth lakhs of rupees annually in saved lounge entry fees. The zero forex markup on international transactions is the best in the Indian credit card market. Most credit cards charge 2-3.5% forex markup on foreign currency transactions; the Amex Platinum charges nothing, making it the default card for anyone who travels internationally or shops on international websites. On ₹5 lakhs of annual international spends, this saves ₹10,000-₹17,500 compared to other premium cards. The 1% value back on all spends — without any category restrictions, caps, or conditions — is refreshingly simple. Unlike many premium cards that offer 5% on specific categories with monthly caps, the Amex Platinum delivers 1% on everything, everywhere. For high spenders, this simplicity is a significant advantage. Premium concierge services provide 24/7 assistance for travel bookings (flights, hotels, holiday packages), restaurant reservations at exclusive establishments, and entertainment event bookings including concerts and sporting events. The complimentary golf games at prestigious courses across India and abroad — 6 per year — is a valued benefit for business executives. Source: ICICI Bank official website, updated May 2026.
ICICI Bank
ICICI Bank Coral is a lifestyle-focused credit card that rewards dining and food delivery spends with accelerated reward points, making it particularly attractive for India's growing base of food enthusiasts who regularly order from Swiggy and Zomato or dine at restaurants. At an annual fee of ₹1,500 — reversed on spending ₹2 lakhs per year — the card provides a balanced mix of dining rewards, airport lounge access, and everyday savings. The card's 2X Reward Points on dining and food delivery is its standout feature, delivering effectively 2% value back on restaurant spends, Swiggy, Zomato, and other food delivery platforms. For urban professionals who spend ₹5,000-₹10,000 per month on dining and food delivery, this can generate ₹100-₹200 per month in reward points — ₹1,200-₹2,400 per year, well above the annual fee. Six complimentary domestic airport lounge visits per year (provided through the Visa Lounge Access program) offer meaningful value for occasional travellers. These visits can be used across 100+ airports in India, making the card useful for the regular domestic flyer who doesn't travel frequently enough to justify a premium unlimited-lounge card. The 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations provides additional savings for commuters, while the Buy 1 Get 1 movie ticket offer on BookMyShow (twice per month, up to ₹200 off per ticket) adds entertainment value for couples. The ₹2 lakhs annual spending threshold for annual fee reversal is approximately ₹16,667 per month — achievable for most working professionals with reasonable dining and shopping spends. Source: ICICI Bank official website, updated May 2026.
ICICI Bank
ICICI Bank Expressions is a lifestyle-focused credit card that rewards fashion and apparel shopping, targeting the large base of Indian consumers who regularly shop for clothing and accessories online at Myntra and Jabong (owned by Flipkart Group). The card's 1.5% cashback on fashion purchases makes it a worthwhile addition to a wallet for anyone with significant clothing spend. With India's fashion e-commerce market growing at 25%+ annually and Myntra being one of the largest players, the Expressions card addresses a real spending category. For someone who spends ₹5,000 per month on fashion (clothing, footwear, accessories for family), the 1.5% cashback translates to ₹75 per month or ₹900 per year. The card's zero joining fee is a key differentiator — unlike most premium cards that charge ₹500-₹6,000 as a joining fee, the Expressions card is free to apply. This makes it one of the most accessible rewards cards in India, requiring only the annual fee of ₹500 (reversed on spending ₹40,000 per year) for ongoing benefits. Dining and food delivery cashback of 1% on Swiggy, Zomato, and restaurant spends provides additional value for urban consumers, while the 1% fuel surcharge waiver at HPCL fuel stations adds a modest everyday saving for commuters. The card requires a minimum annual income of just ₹2 lakhs and is available to individuals aged 21-55 years, making it one of the most accessible lifestyle credit cards available in India. Source: ICICI Bank official website, updated May 2026.
ICICI Bank
ICICI Bank Rubyx is a travel-focused rewards credit card that delivers accelerated reward points on travel bookings, dining, and everyday spends. At an annual fee of ₹2,000 — reversed on spending ₹4 lakhs per year — the card targets frequent domestic and international travellers who want strong reward rates combined with airport lounge access on both routes. The card's 3X Reward Points on travel bookings (flights, hotels, holiday packages) is its primary differentiator, delivering 3% value back on travel spends. For someone who spends ₹2 lakhs per year on flights and hotels, this translates to ₹6,000 in reward points — 3x the annual fee in travel value alone. The accelerated dining reward of 2X (2% value back) further enhances the card's appeal for frequent diners and food delivery users. Eight complimentary domestic airport lounge visits per year (through the Visa Lounge Access program) and 4 international lounge visits per year provide meaningful travel benefits, especially for the frequent flyer who takes 2-3 domestic flights per quarter. The lounge visits can be shared with a companion in some airport lounge programs. The 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations adds a modest everyday saving for commuters, while the Rubyx card's premium positioning is reinforced by its dedicated customer service helpline and priority service at ICICI Bank branches. The ₹4 lakhs annual spending threshold for annual fee reversal is approximately ₹33,333 per month — achievable for high-earning professionals who have significant travel, dining, and lifestyle expenses. Source: ICICI Bank official website, updated May 2026.
IndusInd Bank
IndusInd Bank Neo is a no-frills entry-level credit card designed to bring credit card benefits to first-time users and budget-conscious Indians who want the convenience of credit without paying annual fees. With zero annual fee, zero joining fee, and a minimum income requirement of just ₹1 lakh per annum, the Neo card has one of the lowest barriers to entry among Indian credit cards. The card earns 0.5% value back on all spends without any category restrictions, caps, or conditions. While this is modest compared to premium cards, it is still meaningful — on ₹50,000 of monthly spending, the 0.5% return generates ₹250 per month or ₹3,000 per year in cashback, all earned passively without any category management. The card operates on the Visa network, ensuring acceptance at over 40 million merchant outlets across India, from large retail chains and supermarkets to small neighbourhood stores and restaurants. Contactless payment capability up to ₹20,000 per transaction enables quick, secure in-person payments. EMI conversion on purchases above ₹2,500 provides access to affordable credit for large purchases, allowing cardholders to convert big-ticket buys into manageable monthly instalments at competitive interest rates. The IndusInd Neo card is particularly suitable for students, first-time jobbers, and individuals in Tier 2-3 cities who are building their credit history. Consistent usage and timely payments on this card can help establish a positive credit score, enabling future access to premium credit cards and loans. Source: IndusInd Bank official website, updated May 2026.