Verified 2 Aug
Data as of 21 Jul 2026
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
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
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
ICICI Bank
5X rewards on HPCL fuel spends — Best for fuel.
Annual Fee
₹500
Reward Rate
5X rewards on HPCL fuel spends
SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
Annual Fee
₹1,499
Reward Rate
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year — Best for travel · miles.
Annual Fee
₹5,000
Reward Rate
5 EDGE miles per ₹100 on travel; 2 elsewhere
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual Fee
₹4,999
Reward Rate
3 reward points per ₹100
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual Fee
₹2,999
Reward Rate
5 reward points per ₹100
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
Axis Bank
2X EDGE rewards on dining & movies — Best for dining · entertainment.
Annual Fee
₹500
Reward Rate
2X EDGE rewards on dining & movies
Axis Bank
2X rewards on dining — Best for dining.
Annual Fee
₹750
Reward Rate
2X rewards on dining
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
IndusInd Bank
5X rewards on dining — Best for dining.
Annual Fee
₹750
Reward Rate
5X rewards on dining
RBL Bank
5X on dining & fuel — Best for dining · fuel.
Annual Fee
₹1,000
Reward Rate
5X on dining & fuel
RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual Fee
₹10,000
Reward Rate
5X reward points on all spends
RBL Bank
2X reward points per ₹100 — Best for rewards.
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
RBL Bank
5X rewards on travel — Best for travel.
Annual Fee
₹3,000
Reward Rate
5X rewards on travel
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
Standard Chartered
5% cashback on fuel — Best for fuel.
Annual Fee
₹750
Reward Rate
5% cashback on fuel
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual Fee
₹500
Reward Rate
3X rewards on entertainment & dining
DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
Annual Fee
₹500
Reward Rate
10% cashback on online
IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual Fee
₹1,500
Reward Rate
2X rewards on all spends
Axis Bank
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
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