SahiChuno Cards

Best Credit Cards in India (2026)

Every card below is reviewed on what actually matters: joining and annual fees, real reward rates, fee-waiver conditions and welcome benefits, so you can compare India's top credit cards and sahi chuno (choose right). Filter by category or open any card for the full, unbiased review.

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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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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 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 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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IDFC FIRST Wealth Credit Card

IDFC FIRST Bank

4.3

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

Premium Visa Signature card that is genuinely lifetime free, with no joining or annual fee ever
Forex markup of just 1.5%, among the lowest on any Indian card, ideal for international spends
Accelerated 10X reward points on dining, travel and international spends, plus high monthly spends

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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 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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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 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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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 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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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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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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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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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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