Compare 34 of India's most popular credit cards by annual fee, cashback, reward rate, forex markup and lounge access. Then find out exactly how much each one would earn you, based on how you spend.
Filter by bank, fee or card type, sort any column, and tick up to three cards to compare them side by side.
34 cards
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| Fee waiver | Lounge | Best for | Compare | ||||
|---|---|---|---|---|---|---|---|
SBI Card Cashback SBI Card · Visa |
₹999 | ₹2,00,000 spend | Up to 5% | 3.5% | None | Online shoppers spending up to ₹40,000 a month online | |
HDFC Bank Millennia HDFC Bank · Visa / Mastercard |
₹1,000 | ₹1,00,000 spend | Up to 5% | 3.5% | Domestic lounge access on quarterly spend milestones | Shoppers on Amazon, Flipkart, Swiggy and Zomato | |
Amazon Pay ICICI Bank ICICI Bank · Visa |
Free | – | Up to 5% | 1.99% | None | Amazon Prime members who want a no-fee card | |
Flipkart Axis Bank Axis Bank · Visa / Mastercard |
₹500 | ₹3,50,000 spend | Up to 5% | 3.5% | None | Regular Flipkart and Myntra shoppers | |
Swiggy BLCK HDFC Bank HDFC Bank · Mastercard |
₹1,000 | ₹2,00,000 spend | Up to 10% | 3.5% | None | Heavy Swiggy, Instamart and Dineout users | |
Swiggy ORNGE HDFC Bank HDFC Bank · Mastercard |
₹500 | ₹1,50,000 spend | Up to 5% | 3.5% | None | Moderate Swiggy and online spenders who want a low fee | |
Axis Bank ACE Axis Bank · Visa |
₹499 | ₹2,00,000 spend | Up to 5% | 3.5% | 4 domestic visits a year (spend-linked) | Paying bills and earning flat cashback everywhere | |
HSBC Live+ HSBC · Visa Infinite |
₹999 | ₹2,00,000 spend | Up to 10% | 1.99% | 2 domestic + 1 international visit a year | Families spending on dining, groceries, shopping and bills | |
Federal Bank Paisabazaar Paisaback Federal Bank · RuPay |
₹500 | ₹1,50,000 spend | Up to 7.5% | 3.5% | None | Grocery and quick commerce shoppers (Blinkit, Zepto, Instamart, BigBasket, DMart) | |
Airtel Axis Bank Axis Bank · Mastercard |
₹500 | ₹2,00,000 spend | Up to 10% | 3.5% | None (removed in April 2026) | Airtel customers who also spend regularly on the card | |
SBI Card SimplyCLICK SBI Card · Visa |
₹499 | ₹1,00,000 spend | Up to 2.5% | 3.5% | None | First-time card users who shop online | |
Tata Neu Infinity HDFC Bank HDFC Bank · RuPay / Visa |
₹1,499 | ₹3,00,000 spend | Up to 1.5% | 2% | 8 domestic + 4 international visits a year | Shoppers loyal to Tata brands | |
IDFC FIRST Wealth IDFC FIRST Bank · Visa |
Free | – | Up to 0.38% | 0% | Domestic and international lounge access with ₹20,000 monthly spend | High spenders who want premium perks without a fee | |
IDFC FIRST Millennia IDFC FIRST Bank · Visa |
Free | – | Up to 0.38% | 0% | Railway lounge access | Young professionals who want a no-fee card with zero forex markup | |
Scapia Federal Bank Federal Bank · Visa |
Free | – | Up to 4% | 0% | Domestic lounge access with ₹20,000 monthly spend | International travellers who want zero forex markup | |
HDFC Bank Regalia Gold HDFC Bank · Visa / Mastercard |
₹2,500 | ₹4,00,000 spend | Up to 1.25% | 2% | 12 domestic + 6 international visits a year; domestic access needs ₹60,000 quarterly spend | Mid-level travellers who want lounge access | |
Axis Bank Atlas Axis Bank · Visa |
₹5,000 | None | Up to 5% | 3.5% | Domestic and international visits based on tier | Travellers who transfer miles to airline partners | |
HDFC Bank Diners Club Black Metal HDFC Bank · Diners Club |
₹10,000 | ₹8,00,000 spend | Up to 3.33% | 2% | Unlimited domestic and international lounge access | High spenders who can use Diners Club acceptance | |
HDFC Bank Infinia Metal HDFC Bank · Visa |
₹12,500 | ₹10,00,000 spend | Up to 3.33% | 2% | Unlimited domestic and international lounge access | Very high spenders who want India’s top reward rate | |
BPCL SBI Card OCTANE SBI Card · Visa |
₹1,499 | ₹2,00,000 spend | Up to 7.25% | 3.5% | 4 domestic visits a year | Daily commuters who fuel at BPCL | |
BPCL SBI Card SBI Card · Visa / Mastercard |
₹499 | ₹1,00,000 spend | Up to 4.25% | 3.5% | None | Budget fuel savings at BPCL pumps for a ₹499 fee | |
IndianOil HDFC Bank HDFC Bank · Mastercard |
₹500 | ₹50,000 spend | Up to 5% | 3.5% | None | Low-cost fuel savings at IndianOil pumps | |
Axis Bank Magnus Axis Bank · Visa |
₹12,500 | ₹25,00,000 spend | Up to 2.4% | 2% | Unlimited domestic and international (Priority Pass) lounge access | Very high spenders who transfer points to airline partners | |
ICICI Bank Sapphiro ICICI Bank · Visa / Mastercard / Amex |
₹3,500 | ₹6,00,000 spend | Up to 1% | 3.5% | 4 domestic visits a year (needs ₹75,000 spend in the previous quarter) + 2 international | ICICI customers who want lounge access and milestone points | |
ICICI Bank Coral ICICI Bank · Visa / Mastercard / RuPay |
₹500 | ₹1,50,000 spend | Up to 0.5% | 3.5% | 1 domestic visit a quarter (needs ₹75,000 spend in the previous quarter) + railway lounge | A low-fee starter card from ICICI | |
American Express Membership Rewards American Express · American Express |
₹4,500 | ₹1,50,000 spend | Up to 1% | 3.5% | None | Regular monthly spenders who can hit the Amex bonuses | |
American Express Platinum Travel American Express · American Express |
₹5,000 | None | Up to 1% | 3.5% | 2 domestic visits a quarter after eligible spend in the previous quarter (₹1 lakh from Q4 2026) | Spenders who will reach the ₹4–7 lakh milestones | |
SBI Card ELITE SBI Card · Visa / Mastercard |
₹4,999 | ₹10,00,000 spend | Up to 2.5% | 1.99% | Priority Pass with 6 international visits a year | High spenders on dining and groceries who travel abroad | |
SBI Card PRIME SBI Card · Visa / Mastercard |
₹2,999 | ₹3,00,000 spend | Up to 2.5% | 3.5% | Domestic lounge access (SBI reduced visits in 2026) | Mid-range spenders on dining, groceries and movies | |
HDFC Bank MoneyBack+ HDFC Bank · Visa / Mastercard |
₹500 | ₹50,000 spend | Up to 2.5% | 3.5% | None | Low-cost starter card for Amazon, Flipkart and Swiggy | |
IDFC FIRST Select IDFC FIRST Bank · Visa |
Free | – | Up to 0.38% | 0% | 1 domestic visit a quarter with ₹20,000 monthly spend, plus railway lounges | Salaried professionals who want a free card with zero forex | |
OneCard Metal OneCard (partner banks) · Visa |
Free | – | Up to 0.2% | 1% | None | A free metal card with a low 1% forex markup | |
IRCTC SBI Card Premier SBI Card · Visa / Mastercard |
₹1,499 | ₹2,00,000 spend | Up to 2.4% | 3.5% | Railway lounge access (up to 8 visits a year) | Frequent AC train travellers who book on IRCTC | |
Kotak 811 #DreamDifferent Kotak Mahindra Bank · Visa |
Free | – | Up to 0.5% | 2% | None | Building credit history with a small FD, no income proof |
Pick up to three credit cards to see their fees, reward rates, caps and estimated yearly value in one table.
Ranked by estimated yearly value for a typical spender in each category.
Top pick: HSBC Live+
Top pick: HDFC Diners Black
Top pick: Scapia Federal
Top pick: BPCL SBI Octane
Top pick: Swiggy BLCK HDFC
Top pick: Swiggy BLCK HDFC
Top pick: HDFC Diners Black
Top pick: HDFC Millennia
Estimated yearly value after fees for someone spending ₹33,000 a month across shopping, food, bills and fuel. Enter your own spends →
Work out EMIs, interest, forex charges and reward values before you swipe.
Answer 5 questions and get your top 3 cards.
Get your wallet graded A–F and see what you're missing.
Track points balances and expiry dates.
Enter your monthly spends and see which card earns you the most each year.
Work out the monthly EMI, interest and GST before converting a purchase.
See the real cost of paying only the minimum due.
Calculate foreign-currency charges and compare them across cards.
Turn points into rupees and find your real reward rate.
Devaluations, launches and practical guides, updated as banks change their cards.
This month's winners in every category, ranked by real yearly value, plus what changed.
Paying hefty monthly electricity and utility bills? Discover the best credit cards in India offering up to 25% cashback on utility payments, and learn key MCC exclusions.
Ordering food daily on Swiggy or Zomato, or dining out on weekends? Learn which Indian credit cards deliver 10% instant cashback and premium restaurant discounts.
With dozens of cards on offer, picking one can feel overwhelming. The best credit card is simply the one that returns the most for your spending, after fees. Here is what to compare.
Fees range from zero on lifetime free cards to ₹12,500+ on super-premium cards, plus 18% GST. Most banks waive the renewal fee if you spend a set amount in a year. If you will easily cross that threshold, the card is effectively free.
A card's headline "5% cashback" usually applies only to certain merchants or categories. Compare the reward rate on the places where you actually spend: Amazon, Flipkart, Swiggy, groceries, fuel or travel. Convert points to rupees using a realistic redemption value. Our reward points calculator can help.
Accelerated rewards are often capped at ₹500–₹5,000 a month. Rent, fuel, wallet loads, insurance, utilities and EMIs are commonly excluded. A card with a lower headline rate but no caps can beat a capped 5% card for big spenders.
If you travel or shop on foreign websites, the forex markup (0–3.5% plus GST) can wipe out your rewards. Use the forex markup calculator to see the difference.
Airport lounge visits, movie offers, golf and insurance add real value, but only if you use them. Many banks now require a minimum spend before you can use lounge access.
Most Indian credit cards charge around 3–3.75% interest a month (about 36–45% a year) on unpaid balances. If you might carry a balance, no reward programme will make up for that. See the interest calculator.
Compare five things: the annual fee and the spend needed to waive it, the reward rate on the categories where you spend most, reward caps and exclusions, forex markup if you spend abroad, and extras like lounge access. Our credit card finder does this for you using your own monthly spends.
There is no single best card. It depends on where you spend. For broad online spending SBI Card Cashback leads, Amazon Pay ICICI is best for Amazon, Scapia Federal Bank is strong for international travel, and HDFC Infinia leads for very high spenders.
No. Comparing cards on CardPicker does not involve a credit check. Only a formal application to a bank triggers a hard enquiry on your credit report.
Yes, if their rewards suit you. A lifetime free card costs nothing to hold and helps build credit history, but paid cards often return more if you spend enough to cover the fee.
We multiply your spend in each category by the card's effective reward rate, apply monthly caps, add annual milestone benefits, then subtract the annual fee (plus GST) if you do not meet the waiver threshold, and forex costs on international spends.
Most people do well with two or three: one card for broad everyday rewards, one for their most-used platform (Amazon, Flipkart or Swiggy) and optionally a travel card. Pay every card in full each month.
