Verified 3 Aug
Compare 141 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
141
Banks
15+
Networks
4
Categories
13
Data as of 04 Aug 2026
All cards
141 cards from India's top banks
ICICI Bank
Ultra-premium metal card — unlimited global lounge access (1,300+ lounges, 600+ cities), 1.49% forex markup, 12X points on hotels via iShop (verified 2026).
Annual Fee
₹20,000
Reward Rate
12X on hotels; 6X on flights & shopping; 2.5% on international; 2% on domestic (verified from Times Black, 2026)
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
AU Small Finance Bank
Premium AU card — 5X reward points, 1.99% forex markup, 2 domestic + 2 international lounge visits/quarter (verified from AU Bank, 2026).
Annual Fee
₹7,999
Reward Rate
5X on top merchants; 1 RP per ₹100 on others (verified from AU Bank, 2026)
Punjab National Bank
1 Reward Point per ₹100 spent — Best for rewards · everyday.
Annual Fee
₹300
Reward Rate
1 Reward Point per ₹100 spent (per BankBazaar; pnbcard.in)
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
American Express
Amex MR — 1,000 bonus points on 4× ₹1,500 transactions/month, additional 1,000 bonus on ₹20K monthly spend, 5,000 points on first-year renewal (verified from Amex, 2026).
Annual Fee
₹4,500
Reward Rate
1 MR point per ₹50 (excl. fuel/insurance/utilities/EMI) (verified from Amex, 2026)
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
IDFC FIRST Bank
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
American Express
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
American Express
Amex super-premium — 11,000 welcome MR points, complimentary Priority Pass, Accor+ Explorer & Taj Epicure memberships, up to ₹12K monthly vouchers (verified from Amex, 2026).
Annual Fee
₹10,000
Reward Rate
1 MR point per ₹50 (excl. fuel/insurance/utilities/EMI) (verified from Amex, 2026)
ICICI Bank
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata spends
SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL fuel
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
ICICI Bank
Premium ICICI card — welcome vouchers ₹15K+ from Tata CLiQ/Croma/EazyDiner, 2 quarterly domestic lounges, 8 annual railway lounges, 25% off movies (verified from ICICI Bank, 2026).
Annual Fee
₹2,000
Reward Rate
2 reward points per ₹100; 4X international; 1X utility/insurance (verified from ICICI Bank, 2026)
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
Annual Fee
₹500
Reward Rate
1 reward point per ₹100
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Annual Fee
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
Canara Bank
4 reward points per ₹100 — Best for rewards · premium.
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Jupiter (Federal Bank)
5X rewards on top categories — Best for rewards · premium.
Annual Fee
₹1,000
Reward Rate
5X rewards on top categories
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Quick orientation for first-time visitors — filters, compare, and how scoring works.
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.
