Best credit cards in India
Cards ranked by category using CardIQ: a data-driven rating across fees, earn rates, rewards value and more. Rankings are generated algorithmically, with no human input, and update whenever product data changes.
Best airport lounge credit cards
Lounge visits at Indian and overseas airports.
How we score this →#1
58Good
HDFC Bank
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Credit Card CompareVisa
Tata Neu Infinity HDFC Bank Credit Card
- Rewards program
- NeuCoins (Tata Neu)
- Earn rate
- 5 NeuCoins per ₹100 (Average)
- Sign-up bonus
- 1,499 pts
- Annual fee
- ₹1,499
#2
46Fair
Axis Bank
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Axis Bank Atlas Credit Card
- Rewards program
- Axis Bank EDGE Miles
- Earn rate
- 2 EDGE Miles per ₹100 (High)
- Sign-up bonus
- 2,500 pts
- Annual fee
- ₹5,000
#3
45Fair
HDFC Bank
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HDFC Bank Regalia Gold Credit Card
- Rewards program
- HDFC Bank Reward Points
- Earn rate
- 5 Reward Points per ₹200 (Average)
- Sign-up bonus
- —
- Annual fee
- ₹2,500
Best cashback credit cards
Get cashback on online and everyday spends.
How we score this →#1
87Excellent
Axis Bank
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Flipkart Axis Bank Credit Card
- Cashback offer
- 1% ongoing
- Interest-free days
- Up to 50 (Above average)
- Annual fee
- ₹0
- Est. first-year cashback
- ₹9,000 at ₹75,000/mo spend (Average)
#2
86Excellent
HDFC Bank
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HDFC Bank Millennia Credit Card
- Cashback offer
- 1% ongoing
- Interest-free days
- Up to 50 (Above average)
- Annual fee
- ₹1,000
- Est. first-year cashback
- ₹9,000 at ₹75,000/mo spend (Average)
#3
86Excellent
SBI Card
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Credit Card CompareVisa
Cashback SBI Card
- Cashback offer
- 1% ongoing
- Interest-free days
- Up to 50 (Above average)
- Annual fee
- ₹999
- Est. first-year cashback
- ₹9,000 at ₹75,000/mo spend (Average)
Best lifetime free credit cards
No joining fee and no annual fee.
How we score this →#1
73Strong
IDFC FIRST Bank
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IDFC FIRST Millennia Credit Card
- Annual fee
- ₹0
- Purchase rate
- 46.20% p.a. (Very High)
- Interest-free days
- Up to 45 (Below average)
- Foreign transaction fee
- 0% (No foreign fee)
#2
68Good
ICICI Bank
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Amazon Pay ICICI Bank Credit Card
- Annual fee
- ₹0
- Purchase rate
- 45.00% p.a. (Very Low)
- Interest-free days
- Up to 48 (Below average)
- Foreign transaction fee
- 1.99% (Average)
#3
56Good
Axis Bank
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Flipkart Axis Bank Credit Card
- Annual fee
- ₹0
- Purchase rate
- 55.55% p.a. (Very High)
- Interest-free days
- Up to 50 (Above average)
- Foreign transaction fee
- 3.5% (High)
Best rewards credit cards
Earn reward points and redeem them your way.
How we score this →#1
53Fair
HDFC Bank
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Tata Neu Infinity HDFC Bank Credit Card
- Rewards program
- NeuCoins (Tata Neu)
- Earn rate
- 5 NeuCoins per ₹100 (Average)
- Sign-up bonus
- 1,499 pts
- Annual fee
- ₹1,499
- Est. annual rewards value
- ₹7,500 at ₹5,00,000 spend (Average)
- Fee break-even
- ₹29,980 annual spend (Low spend required)
- Sign-up bonus value
- ~₹1,499 (spend 1 transaction within 30 days of card issuance (1,499 NeuCoins as reversal of the first-year fee; not for Lifetime Free and First Year Free cards)) (Below average)
#2
52Fair
ICICI Bank
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Amazon Pay ICICI Bank Credit Card
- Rewards program
- Amazon Pay ICICI Bank rewards (credited as Amazon Pay balance)
- Earn rate
- 5 reward points per ₹100 (Average)
- Sign-up bonus
- —
- Annual fee
- ₹0
- Est. annual rewards value
- ₹5,000 at ₹5,00,000 spend (Below average)
- Fee break-even
- —
- Sign-up bonus value
- —
#3
48Fair
Axis Bank
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Axis Bank Atlas Credit Card
- Rewards program
- Axis Bank EDGE Miles
- Earn rate
- 2 EDGE Miles per ₹100 (High)
- Sign-up bonus
- 2,500 pts
- Annual fee
- ₹5,000
- Est. annual rewards value
- ₹10,000 at ₹5,00,000 spend (Average)
- Fee break-even
- ₹2,50,000 annual spend (Moderate spend required)
- Sign-up bonus value
- ~₹2,500 (spend 1 transaction within 37 days of card issuance (cards sourced from 20 April 2024 onwards; paid cards only; 2,500 EDGE Miles, 1 EDGE Mile = ₹1)) (Below average)
Best travel credit cards
Earn on travel and pay less abroad.
How we score this →#1
72Strong
IDFC FIRST Bank
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IDFC FIRST Millennia Credit Card
- Rewards program
- IDFC FIRST Bank Reward Points
- Earn rate
- 10 Reward Points per ₹200 (Average)
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- ₹0
#2
68Good
HDFC Bank
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Credit Card CompareVisa
Tata Neu Infinity HDFC Bank Credit Card
- Rewards program
- NeuCoins (Tata Neu)
- Earn rate
- 5 NeuCoins per ₹100 (Average)
- Foreign transaction fee
- 2% (Average)
- Annual fee
- ₹1,499
#3
58Good
HDFC Bank
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HDFC Bank Regalia Gold Credit Card
- Rewards program
- HDFC Bank Reward Points
- Earn rate
- 5 Reward Points per ₹200 (Average)
- Foreign transaction fee
- 2% (Average)
- Annual fee
- ₹2,500
Sources
- Credit Card Compare
- How CardIQ scores cards