Rewards Credit Cards

Points-earning cards where every swipe builds a balance you can redeem for vouchers, products, flights or statement credit.

Axis Bank ATLAS Credit Card

Axis Bank

4.8

Joining fee: ₹5,000 + 18% GST
Annual fee: ₹5,000 + 18% GST

High 5 EDGE Miles per ₹100 earned on direct airline and hotel bookings
1:2 transfer ratio to major international airline & hotel partner programs (Accor, KrisFlyer, Qatar, etc.)
Generous tier-based airport lounge access (up to 18 domestic and 12 international visits per year)

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AU Ixigo Credit Card

AU Small Finance Bank

4.7

Joining fee: Nil (Lifetime Free)
Annual fee: Nil (Lifetime Free)

Genuinely Lifetime Free card with zero joining and zero annual renewal fees
0% Foreign Currency Markup fee on all international purchases and online foreign currency spends
Exclusive instant discounts on flight, train, and hotel bookings via the Ixigo travel platform

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HDFC INFINIA (Metal Edition)

HDFC Bank

4.7

Joining fee: ₹12,500 + GST
Annual fee: ₹12,500 + GST

High base earn of 5 reward points per ₹150, roughly 3.33% before any accelerators
Up to 10X reward points on HDFC SmartBuy, with points worth ₹1 each on flights and hotels
Unlimited complimentary domestic and international lounge access for the cardholder and add-on cards

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HDFC Bank Diners Club Black Metal Edition Credit Card

HDFC Bank

4.6

Joining fee: ₹10,000 + GST
Annual fee: ₹10,000 + GST

High base earn of 5 Reward Points per ₹150 (about 3.33%), climbing to 10X on partner brands through SmartBuy
Unlimited domestic and international airport lounge access
Strong welcome benefits: Club Marriott, Amazon Prime and Swiggy One memberships

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ICICI Bank

ICICI Bank Emeralde Private Metal Credit CardMastercard

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank

4.5

Joining fee: ₹12,499 + GST
Annual fee: ₹12,499 + GST

Strong flat rate of 6 reward points per ₹200 (around 3% value) on most retail spends
Unlimited domestic and international airport lounge access via ICICI and Priority Pass
Accelerated earning on iShop: 6X on flights and vouchers, 12X on hotels

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HDFC Bank Millennia Credit Card

HDFC Bank

4.4

Joining fee: ₹1,000 + GST
Annual fee: ₹1,000 + GST

5% CashPoints on ten popular brands like Amazon, Flipkart, Myntra, Swiggy, Zomato and Uber covers most urban online spending
Low ₹1,000 + GST fee that is fully waived on ₹1 lakh of spends in the previous year
CashPoints redeem against the statement at roughly ₹1 per point, so there is no complicated points math

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SBI Card

BPCL SBI Card OCTANEVisa

BPCL SBI Card OCTANE

SBI Card

4.3

Joining fee: ₹1,499 + GST
Annual fee: ₹1,499 + GST

Best in class fuel value back: 25 reward points per ₹100 (around 7.25%) on fuel at BPCL pumps, plus a 1% fuel surcharge waiver
10 reward points per ₹100 on dining, groceries, departmental stores and movies widens earning well beyond fuel
Welcome benefit of 6,000 reward points worth ₹1,500 offsets most of the first year fee

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HDFC Regalia Gold Credit Card

HDFC Bank

4.3

Joining fee: ₹2,500 + GST
Annual fee: ₹2,500 + GST

Complimentary domestic and international airport lounge access via Priority Pass
5X reward points at Nykaa, Myntra, Marks & Spencer and Reliance Digital
Welcome ₹2,500 voucher plus MakeMyTrip Black and Swiggy One memberships on early spends

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Scapia Federal Bank Credit Card

Federal Bank

4.3

Joining fee: Nil (Lifetime Free)
Annual fee: Nil (Lifetime Free)

Truly lifetime free: no joining fee and no annual fee, ever, so there is no spend target to chase for a waiver
Zero forex markup on all international transactions, which is rare on a free card and usually reserved for premium products
Strong travel rewards: about 20% back as Scapia Coins on flights and hotels booked in the Scapia app, worth roughly 4% in value

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YES Bank

YES Bank Marquee Credit CardVisa

YES Bank Marquee Credit Card

YES Bank

4.3

Joining fee: ₹9,999 + GST
Annual fee: ₹4,999 + GST (2nd year onwards)

Effective 4.5% reward rate on online spends is among the best on any Indian premium card
Unlimited complimentary international lounge access, rare at this fee level
Low forex markup of about 1% makes it strong for overseas and international online spends

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Axis Bank ACE Credit Card

Axis Bank

4.2

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST

5% cashback on utility bills and mobile or DTH recharges paid through Google Pay
4% cashback on Swiggy, Zomato and Ola
Flat 1.5% unlimited cashback on all other spends, with no cap

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Axis Bank

Axis Bank Horizon Credit CardVisa

Axis Bank Horizon Credit Card

Axis Bank

4.2

Joining fee: ₹3,000 + GST (nil for eligible Axis Burgundy Savings Account customers)
Annual fee: ₹3,000 + GST

Strong 5 EDGE Miles per ₹100 on direct airline and Axis Travel Edge bookings, one of the better direct-travel earn rates around
Generous lounge access: up to 8 domestic visits a quarter on Visa (6 on Mastercard) and 2 international visits a quarter
EDGE Miles transfer 1:1 to a wide list of airline and hotel partners, useful for high-value redemptions

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BOBCARD (Bank of Baroda)

BOBCARD Eterna Credit CardVisa

BOBCARD Eterna Credit Card

BOBCARD (Bank of Baroda)

4.2

Joining fee: ₹2,499 + GST (a limited period Lifetime Free offer is currently available for eligible applicants)
Annual fee: ₹2,499 + GST

Strong 15 RP per ₹100 (about 3.75%) on online, dining, travel and movie spends
Unlimited complimentary domestic airport lounge access on ₹40,000 of spends in the previous calendar quarter
Low 2% forex markup, one of the better rates on an Indian card

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IDFC FIRST Bank

IDFC FIRST Mayura Credit CardVisa

IDFC FIRST Mayura Credit Card

IDFC FIRST Bank

4.2

Joining fee: ₹5,999 + GST
Annual fee: ₹5,999 + GST

Zero forex markup, which is rare in India and ideal for spending abroad
Up to 16 domestic and 16 international airport lounge visits a year
Strong earning at 5X per ₹150 up to ₹20,000 a month and 10X above that

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IndusInd Bank

IndusInd Bank Tiger Credit CardVisa

IndusInd Bank Tiger Credit Card

IndusInd Bank

4.2

Joining fee: Nil (Lifetime Free)
Annual fee: Nil (Lifetime Free)

Genuinely lifetime free, with no joining fee, no annual fee and no spend condition to keep it active
8 complimentary domestic airport lounge visits a year, plus 2 international visits via Priority Pass
Low 1.5% + GST forex markup, unusual for a free card and handy for foreign spends

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Kotak Mahindra Bank

Kotak White Reserve Credit CardVisa

Kotak White Reserve Credit Card

Kotak Mahindra Bank

4.2

Joining fee: ₹12,500 + GST
Annual fee: ₹12,500 + GST

Unlimited domestic and international airport lounge access for both primary and add-on cardholders, a rare perk even among super-premium cards.
White Pass rewards worth up to ₹2.5 lakh a year, redeemable at up to 1:1 for catalogue items.
Complimentary Club Marriott membership with dining and hotel savings across Asia Pacific.

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SBI Card

SBI Card ELITEVisa

SBI Card ELITE

SBI Card

4.2

Joining fee: ₹4,999 + GST
Annual fee: ₹4,999 + GST

10 reward points per ₹100 (around 2.5%) on dining, groceries and departmental stores covers big everyday categories
Low 1.99% forex markup makes it genuinely useful for international spends
8 complimentary domestic lounge visits a year plus 6 international visits via Priority Pass

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Axis Magnus

Axis Bank

4.1

Joining fee: ₹12,500 + GST
Annual fee: ₹12,500 + GST

Strong EDGE Miles earn rate with transfers to 15+ airline and hotel partners
Unlimited complimentary domestic lounge access for the primary cardholder
International lounge access via Priority Pass, with guest visits included

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IDFC FIRST Bank

IDFC FIRST Select Credit CardVisa

IDFC FIRST Select Credit Card

IDFC FIRST Bank

4.1

Joining fee: Nil (lifetime free)
Annual fee: Nil (lifetime free)

Genuinely lifetime free, with no joining fee and no annual fee ever charged
Earns 10 RP per ₹200 (about 1.25% back) on dining, travel and international spends
Low 1.99% forex markup, unusually good for a card that costs nothing to hold

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Kotak Mahindra Bank

IndianOil Kotak Credit CardRuPay

IndianOil Kotak Credit Card

Kotak Mahindra Bank

4.1

Joining fee: ₹449 + GST
Annual fee: ₹449 + GST

Strong fuel savings at IndianOil outlets, up to 5% value back plus a 1% fuel surcharge waiver
Low joining and annual fee of just ₹449 + GST, easily waived on ₹50,000 of yearly spends
Bonus reward points on everyday grocery and dining, not only on fuel

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Kotak Mahindra Bank

Kotak Zen Signature Credit CardVisa

Kotak Zen Signature Credit Card

Kotak Mahindra Bank

4.1

Joining fee: ₹1,500 + GST
Annual fee: ₹1,500 + GST

10 Zen Points per ₹150 on apparel, lifestyle and jewellery works out to roughly 1.7% back on fashion spends
Generous lounge programme for the price: 8 domestic and 3 international complimentary visits a year
Annual fee of ₹1,500 + GST is fully waived once you spend ₹1.5 lakh in a year

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SBM Bank India

SBM OneCard Credit Card (OneCard Metal)Visa

SBM OneCard Credit Card (OneCard Metal)

SBM Bank India

4.1

Joining fee: Nil (lifetime free)
Annual fee: Nil (lifetime free)

Genuinely lifetime free, with no joining fee, no annual fee and no spend conditions to track
5X reward points apply automatically on your top two spending categories every calendar month, with nothing to enrol or select
Reward points never expire and you earn fractional points on every transaction, so nothing is rounded away

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AU Small Finance Bank

AU Zenith Credit CardVisa

AU Zenith Credit Card

AU Small Finance Bank

4.0

Joining fee: ₹7,999 + GST
Annual fee: ₹7,999 + GST

Strong lounge access with 8 domestic and 8 international (Priority Pass) visits every year
Both the joining fee and the renewal fee can be waived on reasonable spends
Welcome benefit of a ₹1,000 voucher plus 10,000 bonus points on ₹1 lakh of spends

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Axis Bank

Axis Bank SELECT Credit CardVisa

Axis Bank SELECT Credit Card

Axis Bank

4.0

Joining fee: ₹3,000 + GST (NIL for Axis Burgundy customers)
Annual fee: ₹3,000 + GST

Two complimentary domestic lounge visits every quarter plus up to 12 international lounge visits a year via Priority Pass, which is generous at this fee level
Accelerated 2X earning of 20 EDGE Reward Points per ₹200 on retail shopping, up to ₹20,000 of retail spends a month
Welcome benefit of 10,000 EDGE Reward Points worth about ₹2,000 on your first transaction within 30 days (paid cards only)

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BOBCARD (Bank of Baroda)

BOBCARD Etihad Guest Premium Credit CardMastercard

BOBCARD Etihad Guest Premium Credit Card

BOBCARD (Bank of Baroda)

4.0

Joining fee: ₹5,000 + GST
Annual fee: ₹5,000 + GST

Strong 6 Etihad Guest miles per ₹100 on Etihad.com bookings, ideal for frequent Etihad flyers
0% foreign currency markup makes overseas spending genuinely cheap
Automatic Etihad Guest Silver status on your first card transaction, moving to Gold on your first Etihad.com purchase

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CSB Bank

Edge+ CSB Bank RuPay Credit CardRuPay

Edge+ CSB Bank RuPay Credit Card

CSB Bank

4.0

Joining fee: ₹999 + GST, waived in the ongoing promotional period (effectively ₹0 as of July 2026)
Annual fee: Nil (lifetime free)

Genuinely lifetime free: no annual or renewal fee, and the ₹999 joining fee is waived in the current promo
10% back as Jewels on online shopping at Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma and other partner brands
Runs on RuPay, so you can link it to UPI apps and still earn 1% on scan-and-pay

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Equitas Small Finance Bank

Equitas PowerMiles Credit CardVisa

Equitas PowerMiles Credit Card

Equitas Small Finance Bank

4.0

Joining fee: ₹5,000 + GST
Annual fee: ₹5,000 + GST

3X reward points on international POS and online spends (9 points per ₹100, about 4.5% value)
Points transfer 1:1 to partner airline miles and hotel points through the Equitas Xchange program
Complimentary Club Marriott and EazyDiner memberships from day one

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Equitas Small Finance Bank

Equitas Selfe Credit CardVisa

Equitas Selfe Credit Card

Equitas Small Finance Bank

4.0

Joining fee: ₹1,000 + GST (first year free under a limited-period offer)
Annual fee: ₹1,000 + GST

Accelerated 5X rewards on any 2 categories you pick yourself, so the card fits your actual spending
Two complimentary OTT memberships every year from a choice of five platforms
One domestic airport lounge visit per quarter with no minimum spend attached

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ICICI Bank

ICICI Bank Sapphiro Credit CardVisa

ICICI Bank Sapphiro Credit Card

ICICI Bank

4.0

Joining fee: ₹6,500 + GST
Annual fee: ₹3,500 + GST

Welcome vouchers worth over ₹13,000 from EaseMyTrip, Tata CLiQ, Croma and Da Milano largely offset the first-year fee
Both domestic and international airport lounge access, with Priority Pass for overseas lounges
Higher earn rate of 4 reward points per ₹100 on international spends

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RBL Bank

IndianOil RBL Bank XTRA Credit CardMastercard

IndianOil RBL Bank XTRA Credit Card

RBL Bank

4.0

Joining fee: ₹1,500 + GST
Annual fee: ₹1,500 + GST

15 Fuel Points per ₹100 at IndianOil, worth up to about 8.5% back with the surcharge waiver
Welcome bonus of 3,000 Fuel Points (about ₹1,500) effectively refunds the joining fee
1% fuel surcharge waiver at IndianOil stations, up to ₹200 a month

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SBI Card

SBI SimplyCLICK Credit CardVisa

SBI SimplyCLICK Credit Card

SBI Card

4.0

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST

10X reward points on popular online partners such as Apollo 24|7, BookMyShow, Cleartrip, EazyDiner and Netmeds
5X points on all other online spends keeps non-partner internet shopping rewarding
Very low ₹499 + GST fee, waived on just ₹1 lakh of annual spend

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YES Bank

YES Bank RESERV Credit CardVisa

YES Bank RESERV Credit Card

YES Bank

4.0

Joining fee: ₹2,499 + GST (reversed on spending ₹40,000 within 30 days of issuance)
Annual fee: ₹2,499 + GST

Strong 24 reward points per ₹200 on online spends, positioned at around 3% back
Lounge access on both sides of the border, roughly 12 domestic and 6 international visits a year
Low forex markup of 1.75%, well below the usual 3.5%, so overseas and international online spends cost less

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AU Small Finance Bank

AU LIT Credit CardVisa

AU LIT Credit Card

AU Small Finance Bank

3.9

Joining fee: Nil (Lifetime Free)
Annual fee: Nil (Lifetime Free)

Genuinely lifetime free core with no joining fee, annual fee or hidden renewal conditions
Fully customizable: switch benefit packs on and off from the AU 0101 app as your spending changes
During a heavy-spend quarter, a cashback or 10X rewards pack can beat many fixed-fee cards

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BOBCARD (Bank of Baroda)

BOBCARD Premier Credit CardVisa

BOBCARD Premier Credit Card

BOBCARD (Bank of Baroda)

3.9

Joining fee: ₹1,000 + GST (currently offered lifetime free for a limited period)
Annual fee: ₹1,000 + GST (waived on ₹1,20,000 annual spend)

Strong 2.5% value (10 reward points per ₹100) on dining, travel and international spends
Currently offered lifetime free as a limited-period offer, with the paid version at just ₹1,000 plus GST
One complimentary domestic airport lounge visit every quarter

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CSB Bank

CSB Bank OneCard Credit CardVisa

CSB Bank OneCard Credit Card

CSB Bank

3.9

Joining fee: Nil (lifetime free)
Annual fee: Nil (lifetime free)

Genuinely lifetime free: no joining fee and no annual fee, ever, with no minimum-spend catch
5X reward points apply automatically to your top two spending categories each month, with no category to enrol in
Low 1% forex markup, which is rare on a free card and useful for international and foreign-currency online spends

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Federal Bank

Federal Bank Signet Credit CardVisa

Federal Bank Signet Credit Card

Federal Bank

3.9

Joining fee: Nil (lifetime free, limited-period offer)
Annual fee: Nil (lifetime free)

Genuinely lifetime free, with no joining or annual fee to worry about
Welcome benefit of a ₹500 Amazon Pay voucher on just ₹3,000 spent in 30 days
3X reward points on electronics and apparel reward regular online shoppers

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IDFC FIRST Bank

IDFC FIRST Millennia Credit CardVisa

IDFC FIRST Millennia Credit Card

IDFC FIRST Bank

3.9

Joining fee: Nil, lifetime free
Annual fee: Nil, lifetime free

Genuinely lifetime free with no joining or annual fee, ever
10X reward points on dining, travel, international spends and incremental spends above ₹20,000 a month
Joining benefits worth up to ₹1,500 through first-EMI cashback and a gift voucher

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AU Small Finance Bank

AU Vetta Credit CardVisa

AU Vetta Credit Card

AU Small Finance Bank

3.8

Joining fee: ₹2,999 + GST
Annual fee: ₹2,999 + GST

4 reward points per ₹100 on grocery and departmental store spends, which works well for family households
Welcome vouchers worth ₹2,000 that offset a large part of the joining fee
Quarterly and annual milestone rewards, plus a birthday bonus of 1,000 reward points, for regular spenders

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IndusInd Bank

EazyDiner IndusInd Bank Signature Credit CardVisa

EazyDiner IndusInd Bank Signature Credit Card

IndusInd Bank

3.8

Joining fee: ₹2,999 + GST
Annual fee: ₹2,999 + GST

Bundled EazyDiner Prime membership unlocks up to 50% off at 2,000+ partner restaurants
Strong welcome kit: 2,000 bonus EazyPoints plus a ₹7,500 Postcard Hotels stay voucher
EazyDiner Prime membership auto-renews every year, so the dining discounts keep coming

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RBL Bank

RBL Bank ShopRite Credit CardVisa

RBL Bank ShopRite Credit Card

RBL Bank

3.8

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST

Low ₹500 joining and annual fee, easily waived on ₹1.5 lakh annual spend
20 reward points per ₹100 on groceries works out to roughly 5% value back
2,000 welcome reward points for early card use and timely fee payment

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RBL Bank

RBL Bank World Safari Credit CardVisa

RBL Bank World Safari Credit Card

RBL Bank

3.8

Joining fee: ₹3,000 + GST
Annual fee: ₹3,000 + GST (second year onwards)

0% foreign currency markup on all international spends, rare at this fee level
Complimentary Priority Pass with 2 free international lounge visits a year
MakeMyTrip welcome voucher worth ₹3,000 offsets much of the first-year fee

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AU Small Finance Bank

AU Altura Plus Credit CardVisa

AU Altura Plus Credit Card

AU Small Finance Bank

3.7

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST

Low joining and annual fee of just ₹499 plus GST, easy to hold as a starter or backup card
Both the first-year and renewal fees are fully waivable on modest retail spends
Flat 1.5% cashback on every offline and POS retail purchase

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ICICI Bank

ICICI Bank Coral Credit CardVisa

ICICI Bank Coral Credit Card

ICICI Bank

3.7

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST

Low ₹500 + GST joining and annual fee, easily waived on ₹1.5 lakh of annual spend
BookMyShow buy-one-get-one offer, or 25% off up to ₹100, on movie tickets
Dining savings at partner restaurants through the ICICI Culinary Treats program

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IndusInd Bank

IndusInd Bank Legend Credit CardVisa

IndusInd Bank Legend Credit Card

IndusInd Bank

3.7

Joining fee: Nil (lifetime free as currently offered)
Annual fee: Nil (lifetime free)

Genuinely lifetime free, with no joining fee and no annual fee to earn back
Low 1.8% + GST forex markup, well below the 3.5% most Indian cards charge
Weekend spends earn double reward points at 2 per ₹100 versus 1 per ₹100 on weekdays

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IndusInd Bank

IndusInd Bank Platinum Aura Edge Credit CardVisa

IndusInd Bank Platinum Aura Edge Credit Card

IndusInd Bank

3.7

Joining fee: Nil (Lifetime Free)
Annual fee: Nil (Lifetime Free)

Genuinely lifetime free: no joining fee and no annual fee, so there is no cost to hold the card.
Category-boosted rewards: choose a Shop, Home, Travel or Party plan and earn up to 4 reward points per ₹100 in that category.
One free BookMyShow movie ticket worth up to ₹200 every six months.

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RBL Bank

RBL Bank Platinum Maxima Plus Credit CardMastercard

RBL Bank Platinum Maxima Plus Credit Card

RBL Bank

3.7

Joining fee: ₹2,500 + GST
Annual fee: ₹2,500 + GST

10 reward points per ₹100 on dining, entertainment, grocery and international spends, about 2.5% back in those categories
Three milestone bonuses of 10,000 points each at ₹2 lakh, ₹3.5 lakh and ₹5 lakh of annual spends, worth up to ₹7,500 in a year
10,000-point welcome benefit that roughly cancels out the joining fee

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Equitas Small Finance Bank

Equitas Tiga Credit CardRuPay

Equitas Tiga Credit Card

Equitas Small Finance Bank

3.5

Joining fee: ₹500 + GST (first year currently free under a limited-period offer)
Annual fee: ₹500 + GST

Earns 3X reward points (3 per ₹100) on UPI, contactless and Pay-by-3 partner spends, which covers most everyday digital payments
You can pick RuPay or Visa at application, and the RuPay option links to UPI so you earn on scan-and-pay
Low cost to hold: ₹500 + GST fee, first year currently free, and renewal waived on ₹1,20,000 annual spend

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