Best Credit Cards in India (2026)
Our best-card lists rank cards by estimated yearly value after fees for a typical spender in each category. Pick the list that matches how you spend.
Best Cashback Credit Cards in India
- HSBC Live+: ₹15,840/yr
- Swiggy BLCK HDFC Bank: ₹11,760/yr
- SBI Card Cashback: ₹9,960/yr
Best Travel Credit Cards in India
- HDFC Bank Diners Club Black Metal: ₹23,142/yr
- Scapia Federal Bank: ₹20,880/yr
- Axis Bank Atlas: ₹18,024/yr
Best Lifetime Free Credit Cards in India
- Scapia Federal Bank: ₹7,200/yr
- Amazon Pay ICICI Bank: ₹5,400/yr
- IDFC FIRST Wealth: ₹1,995/yr
Best Fuel Credit Cards in India
- BPCL SBI Card OCTANE: ₹8,655/yr
- BPCL SBI Card: ₹6,585/yr
- IndianOil HDFC Bank: ₹5,285/yr
Best Credit Cards for Online Shopping in India
- Swiggy BLCK HDFC Bank: ₹17,580/yr
- SBI Card Cashback: ₹15,180/yr
- HDFC Bank Millennia: ₹12,060/yr
Best Credit Cards for Dining & Food Delivery in India
- Swiggy BLCK HDFC Bank: ₹15,840/yr
- HSBC Live+: ₹15,480/yr
- HDFC Bank Millennia: ₹13,360/yr
Best Premium Credit Cards in India
- HDFC Bank Diners Club Black Metal: ₹56,891/yr
- HDFC Bank Infinia Metal: ₹56,891/yr
- Axis Bank Atlas: ₹45,866/yr
Best Credit Cards for Beginners in India
- HDFC Bank Millennia: ₹3,360/yr
- Swiggy ORNGE HDFC Bank: ₹3,130/yr
- IndianOil HDFC Bank: ₹2,443/yr