Which card actually pays you?

Priced against what you spend, and called: keep, downgrade or cancel. No affiliate money buys a rank.

244 cards you can apply for todaytwenty of them, keep-rated first

Under each figure, b/e is the spend a month at which that card pays for itself, at the everyday mix.

Axis Olympus#5 · invitation only · Axis Bank · ₹20,000 fee · Keep₹20,000 of this is a hotel free night — ₹0 if you don't stay there.cuts utilities and fuel₹16,100a yearb/e first rupeeixigo AU#52 · AU Small Finance Bank · ₹0 fee, lifetime free · KeepIncome floor ₹25,000 a month, per the issuer.cuts fuel₹15,600a yearb/e first rupeeHDFC Infinia Metal#1 · invitation only · HDFC Bank · ₹12,500 fee · KeepIncome floor ₹5,00,000 a month, per the issuer.cuts fuel₹15,000a yearb/e first rupeeIDFC FIRST Gaj#11 · invitation only · IDFC FIRST Bank · ₹12,500 fee · Keep₹12,500 of this is a voucher — ₹0 if you don't use it.cuts fuel₹13,800a yearb/e first rupeeICICI Emeralde Private Metal#3 · invitation only · ICICI Bank · ₹12,499 fee · KeepIncome floor ₹3,00,000 a month, per the issuer.cuts fuel₹13,500a yearb/e first rupeeAxis Miles & More World Select#47 · Axis Bank · ₹10,000 joining + ₹4,500/yr · Keepcuts utilities and fuel₹11,600a yearb/e ₹2kBandhan Bank Flare Credit Card#34 · Bandhan Bank · ₹2,499 fee · Keep₹11,000a yearb/e ₹9kMarriott Bonvoy HDFC Bank#9 · HDFC Bank · ₹3,000 fee · Keep₹9,750 of this is a Marriott free night — ₹0 if you don't stay there.Income floor ₹1,00,000 a month, per the issuer.cuts fuel₹10,700a yearb/e first rupeeYES Bank Marquee#42 · YES Bank · ₹9,999 joining + ₹4,999/yr · KeepIncome floor ₹3,00,000 a month, per the issuer.cuts fuel₹9,700a yearb/e first rupeeStandard Chartered Priority Visa Infinite#32 · invitation only · Standard Chartered · ₹0 fee, lifetime free · Keep₹9,600a yearb/e first rupeeBandhan Bank Lumina Credit Card#33 · Bandhan Bank · ₹9,999 fee · Keep₹9,600a yearb/e ₹21kScapia (Axis Bank)#49 · Axis Bank · ₹0 fee, lifetime free · Keep₹9,600a yearb/e first rupeeIndusInd Tiger#17 · IndusInd Bank · ₹0 fee, lifetime free · Keepcuts fuel₹9,000a yearb/e first rupeeDBS Spark 20 Credit Card#29 · DBS Bank India · ₹1,499 fee · Keep₹8,800a yearb/e ₹20kHDFC Bank Millennia#197 · HDFC Bank · ₹1,000 fee · Keep₹4,000 of this is a voucher — ₹0 if you don't use it.Income floor ₹35,000 a month, per the issuer.cuts fuel₹8,500a yearb/e ₹9k (waiver)Kotak Air+ Prime#21 · Kotak Mahindra Bank · ₹3,000 fee · Keepcuts utilities and fuel₹8,100a yearb/e ₹15kKotak Air+#22 · Kotak Mahindra Bank · ₹3,000 fee · Keepcuts utilities and fuel₹8,100a yearb/e ₹15kScapia (Federal Bank)#48 · Federal Bank · ₹0 fee, lifetime free · Keepcuts utilities and fuel₹8,100a yearb/e first rupeeDBS Spark 10 Credit Card#28 · DBS Bank India · ₹999 fee · Keep₹7,600a yearb/e ₹15kAxis Miles & More World#68 · Axis Bank · ₹3,500 fee · Keepcuts utilities and fuel₹7,600a yearb/e ₹3k

All 244, ranked → +69 carried, not published

153 pay in rupees, not miles — that board → We carry 875 more cards we will not rank here — every one of them, and why → HDFC Biz Black Metal is #13 on our list and a business card — the shelf →

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Every fee here is read from the issuer's own document; what we could not source prints as not published. Last checked . No affiliate money buys a rank.