Verified 2 Aug
Data as of 21 Jul 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
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
5X on top merchants; 2X on others — Best for rewards · premium.
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
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
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
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
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
Jupiter (Federal Bank)
5X rewards on top categories — Best for rewards · premium.
Annual Fee
₹1,000
Reward Rate
5X rewards on top categories
Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Annual Fee
₹250
Reward Rate
4 EDGE Reward Points per Rs 200 (effective 0.4%)
Bank of Baroda
5X rewards on travel & dining — Best for travel · dining.
Annual Fee
₹750
Reward Rate
5X rewards on travel & dining
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
SBI Card
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and… — Best for .
Annual Fee
₹1,499
Reward Rate
5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands; up to 5% extra Value Back as NeuCoins on select category spends (NeuPass); 1.5% Value Back as NeuCoins on other spends, including UPI transactions (on the RuPay variant); NeuCoins auto-credited to cardholder's NeuPass account within 7 working days of monthly statement cycle
Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher on joining — Best for healthcare · lifestyle.
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
SBI Card
Welcome gift of 2,500 IndiGo BluChips — Best for airlines · travel.
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card).
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)
Bank of Baroda
Lifetime free. 2X rewards on fashion & lifestyle — Best for online-shopping · lifestyle.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fashion & lifestyle
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart — Best for flipkart · online-shopping · cashback.
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend — Best for online-shopping · rewards.
Annual Fee
₹1,499
Reward Rate
5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends
SBI Card
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .
Annual Fee
₹499
Reward Rate
10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
HDFC Bank
5X on Myntra; 2X on others — Best for online-shopping · myntra · fashion.
Annual Fee
₹500
Reward Rate
5X on Myntra; 2X on others
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
HDFC Bank
5% NeuCoins on Tata; 1.5% on others — Best for online-shopping · premium · rewards.
Annual Fee
₹5,000
Reward Rate
5% NeuCoins on Tata; 1.5% on others
HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
Annual Fee
₹1,500
Reward Rate
5% NeuCoins on Tata purchases; 1.5% on others
ICICI Bank
2 reward points per ₹100 — Best for rewards.
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Annual Fee
₹3,000
Reward Rate
2 Marriott Bonvoy points per ₹150
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
SBI Card
2 reward points per ₹100 — Best for rewards.
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual Fee
₹1,499
Reward Rate
10X reward points on health
SBI Card
5% reward on Yatra spends — Best for travel.
Annual Fee
₹999
Reward Rate
5% reward on Yatra spends
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual Fee
₹499
Reward Rate
1 reward point per ₹100
SBI Card
5X rewards on medical — Best for healthcare.
Annual Fee
₹1,500
Reward Rate
5X rewards on medical
SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata
SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Axis Bank
5X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual Fee
₹1,500
Reward Rate
5X rewards on dining & lifestyle
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X reward points on all spends
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual Fee
₹5,000
Reward Rate
12 reward points per ₹200
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual Fee
₹3,000
Reward Rate
3 reward points per ₹100
IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
IndusInd Bank
5 reward points per ₹100 — Best for premium.
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹100
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual Fee
₹750
Reward Rate
5% cashback on utilities
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual Fee
₹10,000
Reward Rate
15 reward points per ₹200
AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Jupiter (Federal 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
Canara Bank
2 reward points per ₹100 — Best for rewards.
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
HSBC India
2X reward points per ₹100 — Best for rewards.
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
HSBC India
5X on travel — Best for travel.
Annual Fee
₹3,000
Reward Rate
5X on travel
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
Punjab National Bank
10X rewards on international travel — Best for travel.
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
slice (SBM 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
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Annual Fee
₹2,000
Reward Rate
Up to 5 Reward Points per ₹100 on shopping, dining & travel
Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points for every ₹100 spent on PoS and e-commerce transactions
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup. — Best for premium · lounge-access · dining.
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Bank of Baroda
2 reward points per ₹100 — Best for rewards.
Annual Fee
₹500
Reward Rate
2 reward points per ₹100
Canara Bank
Lifetime free. 2 reward points per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
2 reward points per ₹100
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Annual Fee
₹30,000
Reward Rate
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher — Best for airlines · travel · premium.
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata — Best for online-shopping · premium · travel.
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
FAQ
