travelwith.cc

Best of · September 2026

Your first travel card, called.

see the ranked list ↓

First card, real rules: ₹5,000 or under to get in, no invite, no banking-relationship gate — a card you can actually walk in and get. At a ₹1L-a-month spend, BOBCARD Etihad Guest Premium nets ₹70,000 a year after its fee. That's the call. The rest of the field is below, same spend, same engine.

the call, and how it's made fold that back up

What is the best first travel credit card in India?

BOBCARD Etihad Guest Premium. At a ₹1L-a-month spend it nets ₹70,000 a year after its fee (₹5,000/yr) — the most among cards you can walk in and get for ₹5,000 or less, with no invite and no banking-relationship gate. 584 cards clear those rules; the 61 that don't are listed with the reason.

Eligibility isn't modelled on this board, but the pattern holds: most issuers open the door at 21 — SBI Card's own issuance policy sets salaried applicants at 21 (self-employed at 25), HDFC's minimum is 21 too — and Axis is the outlier, from 18. All three want income proof: salary slips and a bank statement if you're salaried, ITR and a bank statement if you're self-employed. No income to show at all? A secured, FD-backed card skips that check entirely — see the cards that cost nothing, where that route lives too.

The ₹ here is net annual value — earn, milestones and monthly bonuses, net of the fee. The board on /compare runs the ranking model, which also credits ~20% of spend at each card's best accelerator, so its ₹ reads higher for the same card (both models, side by side →).

Verified through · The records behind this board — the card records this ranks and the house valuations their points are priced at — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build.

The top three

#2 Keep

IndusInd Tiger

₹44,800

net ₹/yr at ₹1L/mo

3.73% net of fee at ₹1L/mo spend · ₹0 — lifetime free

The rest of the field

Ranks 4–15 of 584

# Card net ₹/yr at ₹1L/mo The math
4 HDFC Regalia Gold ₹35,560 2.96% net of fee at ₹1L/mo spend · ₹2,500/yr
5 BOBCARD Etihad Guest ₹35,000 2.92% net of fee at ₹1L/mo spend · ₹2,500/yr
6 Standard Chartered Ultimate ₹34,960 2.91% net of fee at ₹1L/mo spend · ₹5,000/yr
7 HSBC TravelOne ₹34,000 2.83% net of fee at ₹1L/mo spend · ₹4,999/yr
8 Bandhan Bank Flare Credit Card ₹30,000 2.50% net of fee at ₹1L/mo spend · ₹2,499/yr
9 IDFC FIRST Ashva ₹28,807 2.40% net of fee at ₹1L/mo spend · ₹2,999/yr
10 IndiGo IDFC FIRST Dual Credit Card ₹28,001 2.33% net of fee at ₹1L/mo spend · ₹4,999/yr
11 SBI Card MILES ELITE ₹27,001 2.25% net of fee at ₹1L/mo spend · ₹4,999/yr
12 Kotak White ₹27,000 2.25% net of fee at ₹1L/mo spend · ₹3,000/yr
13 IndiGo IDFC FIRST Secured ₹25,501 2.13% net of fee at ₹1L/mo spend · ₹0 joining, then ₹4,999/yr
14 ixigo AU ₹25,000 2.08% net of fee at ₹1L/mo spend · ₹0 — lifetime free
15 Kotak Air+ Prime ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹3,000/yr
the other 569 cards — ranks 16 to 584 fold the other 569 back up
# Card net ₹/yr at ₹1L/mo The math
16 Kotak Air+ ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹3,000/yr
17 Scapia (Federal Bank) ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
18 Scapia (Axis Bank) ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
19 Axis Miles & More World ₹23,500 1.96% net of fee at ₹1L/mo spend · ₹3,500/yr
20 Axis Horizon ₹22,500 1.88% net of fee at ₹1L/mo spend · ₹3,000/yr
21 SBI Card MILES PRIME ₹22,000 1.83% net of fee at ₹1L/mo spend · ₹2,999/yr
22 CUB SalarySe Level UP ₹21,600 1.80% net of fee at ₹1L/mo spend · ₹500/yr
23 CUB SalarySe Level UP Virtual ₹21,600 1.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free
24 RBL World Safari ₹19,250 1.60% net of fee at ₹1L/mo spend · ₹3,000/yr
25 Google Pay Flex Axis Bank ₹19,200 1.60% net of fee at ₹1L/mo spend · ₹0 — lifetime free
26 SBI Card ELITE ₹18,500 1.54% net of fee at ₹1L/mo spend · ₹4,999/yr
27 HDFC Diners Club Privilege ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹1,000/yr
28 Tata Neu Infinity HDFC Bank ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹1,499/yr
29 Tata Neu Infinity SBI Card ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹1,499/yr
30 HSBC Live+ ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹999/yr
31 Equitas PowerMiles ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹5,000/yr
32 Axis Bank ACE ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹499/yr
33 IDFC FIRST Diamond Reserve ₹17,208 1.43% net of fee at ₹1L/mo spend · ₹3,000/yr
34 IndiGo Kotak Premium Credit Card ₹17,000 1.42% net of fee at ₹1L/mo spend · ₹3,000/yr
35 SBI Card PRIME ₹17,000 1.42% net of fee at ₹1L/mo spend · ₹2,999/yr
36 DBS Spark 20 Credit Card ₹16,000 1.33% net of fee at ₹1L/mo spend · ₹1,499/yr
37 HDFC Bank Millennia ₹16,000 1.33% net of fee at ₹1L/mo spend · ₹1,000/yr
38 Axis Bank Privilege Easy ₹16,000 1.33% net of fee at ₹1L/mo spend · ₹1,500/yr
39 ESAF INORI RuPay Platinum ₹15,000 1.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
40 DBS Spark 10 Credit Card ₹14,800 1.23% net of fee at ₹1L/mo spend · ₹999/yr
41 Union Bank UNICORN ₹14,500 1.21% net of fee at ₹1L/mo spend · ₹2,400/yr
42 DBS Spark 5 Credit Card ₹14,000 1.17% net of fee at ₹1L/mo spend · ₹499/yr
43 BOBCARD Eterna ₹14,000 1.17% net of fee at ₹1L/mo spend · ₹2,499/yr
44 Paytm HDFC Bank Select ₹14,000 1.17% net of fee at ₹1L/mo spend · ₹1,000/yr
45 IRCTC HDFC Bank Credit Card ₹14,000 1.17% net of fee at ₹1L/mo spend · ₹500/yr
46 IndianOil RBL Bank XTRA Credit Card ₹14,000 1.17% net of fee at ₹1L/mo spend · ₹1,500/yr
47 Standard Chartered Rewards ₹13,998 1.17% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,000/yr
48 Kotak Zen Signature ₹13,740 1.15% net of fee at ₹1L/mo spend · ₹1,500/yr
49 KrisFlyer SBI Card ₹13,501 1.13% net of fee at ₹1L/mo spend · ₹2,999/yr
50 Axis Bank SELECT ₹13,000 1.08% net of fee at ₹1L/mo spend · ₹3,000/yr
51 Equitas PowerMiles Secured ₹13,000 1.08% net of fee at ₹1L/mo spend · ₹5,000/yr
52 IDBI Bank LIC Eclat Select ₹12,875 1.07% net of fee at ₹1L/mo spend · ₹0 — lifetime free
53 Edge+ CSB Bank RuPay Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0/yr · ₹999 joining (one-time)
54 Kotak Air ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹999/yr
55 Niyo Global SBM Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
56 Tata Neu Plus HDFC Bank ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹499/yr
57 Tata Neu Plus SBI Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹499/yr
58 MakeMyTrip ICICI Bank ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹999/yr
59 IndusInd Legend ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0/yr · ₹5,000 joining (one-time)
60 HDFC PIXEL Go ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹250/yr
61 Union Bank RuPay Select ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹550/yr
62 Union Sparsh ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹550/yr
63 BOBCARD Uni GoldX ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
64 slice UPI Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
65 Fibe Axis Bank Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
66 HDFC Bank PIXEL Play ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr
67 LIC IDFC FIRST Select ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
68 Flipkart SBI Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr
69 CASHBACK SBI Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹999/yr
70 Axis Bank SuperMoney RuPay ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
71 Swiggy Ornge HDFC Bank Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr
72 Swiggy BLCK HDFC Bank Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹1,000/yr
73 Utkarsh superCard ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
74 YES PaisaSave ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr
75 YES PaisaSave RuPay ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
76 IDFC FIRST Hello Cashback ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹1,000/yr
77 Airtel Axis Bank Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr
78 SBM MobiKwik First Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free
79 Paisabazaar Paisa Plus Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr
80 CUB CSK Master World ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹4,000/yr
81 CUB SRH Master World ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹4,000/yr
82 Snapdeal BOBCARD ₹11,751 0.98% net of fee at ₹1L/mo spend · ₹249/yr
83 BOBCARD Cashback ₹11,501 0.96% net of fee at ₹1L/mo spend · ₹499/yr
84 LIC Axis Bank Signature ₹11,400 0.95% net of fee at ₹1L/mo spend · ₹0 — lifetime free
85 RBL Platinum Maxima Plus ₹11,000 0.92% net of fee at ₹1L/mo spend · ₹2,500/yr
86 Kotak Solitaire ₹11,000 0.92% net of fee at ₹1L/mo spend · ₹0 joining, then ₹25,000/yr
87 IDBI Bank Euphoria World ₹9,875 0.82% net of fee at ₹1L/mo spend · ₹1,499/yr
88 IDBI Bank Royale Signature ₹9,875 0.82% net of fee at ₹1L/mo spend · ₹0 — lifetime free
89 IDBI Bank LIC Lumine ₹9,625 0.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free
90 Bandhan Bank Ignite Credit Card ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹0 joining, then ₹999/yr
91 IRCTC SBI Card Premier ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹1,499/yr
92 IRCTC SBI Platinum Card ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹500/yr
93 Axis Bank Pride Signature ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹500/yr
94 BOBCARD Tiara ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹2,499/yr
95 RBL Platinum Maxima ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹2,000/yr
96 YES Bank Zagg Credit Card ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹0 — lifetime free
97 Union JCB Health ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹499/yr
98 Axis Bank Cashback ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹1,000/yr
99 LIC Axis Bank Platinum ₹8,550 0.71% net of fee at ₹1L/mo spend · ₹0 — lifetime free
100 Equitas Selfe Credit Card ₹8,400 0.70% net of fee at ₹1L/mo spend · ₹1,000/yr
101 RBL Cookies ₹8,400 0.70% net of fee at ₹1L/mo spend · ₹1,200/yr
102 IDFC FIRST WOW! Black ₹8,010 0.67% net of fee at ₹1L/mo spend · ₹750/yr
103 HSBC Platinum ₹8,004 0.67% net of fee at ₹1L/mo spend · ₹0 — lifetime free
104 HSBC RuPay Platinum ₹8,004 0.67% net of fee at ₹1L/mo spend · ₹0 — lifetime free
105 TVS Credit RBL Bank Gold ₹8,000 0.67% net of fee at ₹1L/mo spend · ₹1,500/yr
106 RBL Apex ₹8,000 0.67% net of fee at ₹1L/mo spend · ₹1,000/yr
107 IndianOil Axis Bank Premium ₹7,992 0.67% net of fee at ₹1L/mo spend · ₹1,000/yr
108 IndianOil HDFC Bank Credit Card ₹7,680 0.64% net of fee at ₹1L/mo spend · ₹500/yr
109 Shoppers Stop Black HDFC Bank ₹7,500 0.63% net of fee at ₹1L/mo spend · ₹4,500/yr
110 IRCTC RBL Bank Credit Card ₹7,500 0.63% net of fee at ₹1L/mo spend · ₹500/yr
111 IndusInd Platinum ₹7,200 0.60% net of fee at ₹1L/mo spend · ₹0 — lifetime free
112 LIC IDFC FIRST Classic ₹7,200 0.60% net of fee at ₹1L/mo spend · ₹0 — lifetime free
113 Union JCB Wellness ₹7,125 0.59% net of fee at ₹1L/mo spend · ₹999/yr
114 MakeMyTrip ICICI Bank Platinum ₹7,000 0.58% net of fee at ₹1L/mo spend · ₹0/yr · ₹500 joining (one-time)
115 AU Bank NOMO Credit Card ₹7,000 0.58% net of fee at ₹1L/mo spend · ₹0/yr · ₹199 joining (one-time)
116 RBL Movies and More ₹6,750 0.56% net of fee at ₹1L/mo spend · ₹1,000/yr
117 Union UNI-CARBON ₹6,650 0.55% net of fee at ₹1L/mo spend · ₹499 joining, then ₹550/yr
118 IDBI Bank Winnings ₹6,625 0.55% net of fee at ₹1L/mo spend · ₹899/yr
119 EazyDiner IndusInd Platinum ₹6,400 0.53% net of fee at ₹1L/mo spend · ₹0 — lifetime free
120 AU CA Metal ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
121 AU CS ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
122 IDFC FIRST WOW! ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
123 BOBCARD Premier ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,000/yr
124 AU Bank Traverse Credit Card (NRI) ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹4,999/yr
125 IDFC FIRST HPCL Power+ ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹499/yr
126 Paytm HDFC Bank Digital ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹149/yr
127 Paytm HDFC Bank Mobile ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹149/yr
128 Kotak Cashback+ ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹750/yr
129 Kotak Cashback+ Prime ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹750/yr
130 ICICI Bank HPCL Coral Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹199/yr
131 ICICI Bank Platinum Chip Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
132 IndianOil Kotak Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹449/yr
133 ICICI Bank Parakram Select ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
134 IndusInd Duo ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
135 Axis Bank Shoppers Stop Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹500/yr
136 RBL Paisabazaar Duet ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
137 Swiggy HDFC Bank Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹500/yr
138 AU Laksya Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,000/yr
139 Paytm AU Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
140 CheQ AU Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
141 AU Zaggle Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
142 IDFC FIRST Quantum+ ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
143 Standard Chartered Smart ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹499/yr
144 Standard Chartered Manhattan ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹999/yr
145 Suryoday SFB RuPay Platinum ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹150/yr
146 Suryoday SFB RuPay Select ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹150/yr
147 Aditya Birla Capital AU Pro ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹999/yr
148 IndianOil RBL Bank Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹500/yr
149 PNB Kiwi ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹750/yr
150 BOBCARD Premier (FD Backed) ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free
151 AU Prathama Credit Card ₹5,850 0.49% net of fee at ₹1L/mo spend · ₹100/yr
152 AU SPONT Credit Card ₹5,701 0.48% net of fee at ₹1L/mo spend · ₹299/yr
153 Kotak NRI Royale Signature ₹5,000 0.42% net of fee at ₹1L/mo spend · ₹1,000/yr
154 BPCL SBI Card OCTANE ₹5,000 0.42% net of fee at ₹1L/mo spend · ₹1,499/yr
155 Edge CSB Bank RuPay Credit Card ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹0 — lifetime free
156 HSBC RuPay Cashback ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹499/yr
157 IDBI Bank Aspire Platinum ₹4,624 0.39% net of fee at ₹1L/mo spend · ₹0 — lifetime free
158 IDFC FIRST Wealth ₹4,500 0.38% net of fee at ₹1L/mo spend · ₹0 — lifetime free
159 IDFC FIRST Select ₹4,500 0.38% net of fee at ₹1L/mo spend · ₹0 — lifetime free
160 IDFC FIRST Millennia ₹4,500 0.38% net of fee at ₹1L/mo spend · ₹0 — lifetime free
161 IDFC FIRST Classic ₹4,500 0.38% net of fee at ₹1L/mo spend · ₹0 — lifetime free
162 AU Altura Plus Credit Card ₹4,500 0.38% net of fee at ₹1L/mo spend · ₹499/yr
163 DCB PayLess Select Credit Card ₹4,000 0.33% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,000/yr
164 HPCL ENERGIE BOBCARD ₹3,999 0.33% net of fee at ₹1L/mo spend · ₹499/yr
165 IDFC FIRST HPCL Power ₹3,990 0.33% net of fee at ₹1L/mo spend · ₹199/yr
166 CUB CSK RuPay Platinum ₹3,960 0.33% net of fee at ₹1L/mo spend · ₹0 — lifetime free
167 CUB SRH RuPay Platinum ₹3,960 0.33% net of fee at ₹1L/mo spend · ₹0 — lifetime free
168 RBL Bank DMI Finance ₹3,701 0.31% net of fee at ₹1L/mo spend · ₹499/yr
169 RBL Bank Shoppers Stop Gold ₹3,500 0.29% net of fee at ₹1L/mo spend · ₹1,000/yr
170 PNB VISA Platinum ₹3,499 0.29% net of fee at ₹1L/mo spend · ₹500/yr
171 Federal Bank Imperio ₹3,210 0.27% net of fee at ₹1L/mo spend · ₹0 — lifetime free
172 PVR INOX Kotak ₹3,101 0.26% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr
173 Federal Bank Celesta ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
174 SimplyCLICK SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr
175 BPCL SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr
176 HDFC Bank MoneyBack+ ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr
177 Reliance SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr
178 ICICI Bank Parakram ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
179 Kotak811 Dream Different ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0/yr · ₹424 joining (one-time)
180 RBL Platinum Choice ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr
181 RBL Binge ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹999/yr
182 RBL Shoprite ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr
183 RBL Patanjali Vishisht ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr
184 RBL BankBazaar SaveMax ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
185 YES Bank FinBooster ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
186 YES FinBooster RuPay ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
187 YES Bank anQ Pi ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
188 AU LIT Credit Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
189 AU Tejas Credit Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr
190 PNB VISA Classic ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
191 YES BANK RuPay Virtual ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
192 Aditya Birla Capital AU Flex ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
193 Aditya Birla Capital AU Nxt ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free
194 RBL World Safari Lite ₹2,750 0.23% net of fee at ₹1L/mo spend · ₹1,000/yr
195 Shoppers Stop HDFC Bank ₹2,701 0.23% net of fee at ₹1L/mo spend · ₹299/yr
196 PNB VISA Gold ₹2,700 0.22% net of fee at ₹1L/mo spend · ₹300/yr
197 RBL Platinum Advantage ₹2,501 0.21% net of fee at ₹1L/mo spend · ₹499/yr
198 Federal RuPay Wave Credit Card ₹2,500 0.21% net of fee at ₹1L/mo spend · ₹0 — lifetime free
199 RBL Bank SalarySe UP ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹499/yr
200 IndusInd Samman RuPay ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 joining, then ₹199/yr
201 YES Bank POP-CLUB ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 joining, then ₹399/yr
202 IndianOil Easy Axis Bank ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free
203 Utkarsh Wish Credit Card ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free
204 BOBCARD Easy (FD Backed) ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free
205 BOBCARD Select (FD Backed) ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free
206 SimplySAVE SBI Card ₹2,010 0.17% net of fee at ₹1L/mo spend · ₹499/yr
207 Standard Chartered Super Value Titanium ₹2,004 0.17% net of fee at ₹1L/mo spend · ₹750/yr
208 RBL Bank Shoppers Stop Platinum ₹2,000 0.17% net of fee at ₹1L/mo spend · ₹5,000/yr
209 BOBCARD Swavlamban ₹1,920 0.16% net of fee at ₹1L/mo spend · ₹250/yr
210 EazyDiner IndusInd Signature ₹1,801 0.15% net of fee at ₹1L/mo spend · ₹2,999/yr
211 Equitas Tiga ₹1,800 0.15% net of fee at ₹1L/mo spend · ₹500/yr
212 Standard Chartered Platinum Rewards ₹1,754 0.15% net of fee at ₹1L/mo spend · ₹250/yr
213 Federal Bank Signet ₹1,500 0.13% net of fee at ₹1L/mo spend · ₹0 — lifetime free
214 HDFC Bank UPI RuPay ₹1,500 0.13% net of fee at ₹1L/mo spend · ₹99/yr
215 HDFC Bank UPI RuPay Mega Saver ₹1,500 0.13% net of fee at ₹1L/mo spend · ₹99/yr
216 AU Altura Credit Card ₹1,200 0.10% net of fee at ₹1L/mo spend · ₹199/yr
217 AU InstaPay RuPay Credit Card ₹1,200 0.10% net of fee at ₹1L/mo spend · ₹0 — lifetime free
218 Dhanlaxmi Bank RuPay Dhan Samriddhi ₹1,200 0.10% net of fee at ₹1L/mo spend · ₹0 joining, then ₹800/yr
219 Dhanlaxmi Bank RuPay Dhan Vriddhi ₹1,200 0.10% net of fee at ₹1L/mo spend · ₹0 joining, then ₹400/yr
220 IndusInd ePay Amex ₹1,080 0.09% net of fee at ₹1L/mo spend · ₹0 — lifetime free
221 DCB PayLess Platinum Credit Card ₹1,000 0.08% net of fee at ₹1L/mo spend · ₹0 joining, then ₹350/yr
222 PhonePe HDFC Bank Ultimo ₹0 0.00% net of fee at ₹1L/mo spend · ₹999/yr
223 Titan SBI Card ₹33,000 2.75% net of fee at ₹1L/mo spend · ₹2,999/yr · the desk's own verdict is downgrade
224 Unity Bank BharatPe Credit Card ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free · the desk's own verdict is downgrade
225 SpiceJet Axis Bank Voyage Black ₹22,000 1.83% net of fee at ₹1L/mo spend · ₹2,000/yr · the desk's own verdict is downgrade
226 IndiGo SBI Card ELITE ₹21,501 1.79% net of fee at ₹1L/mo spend · ₹4,999/yr · the desk's own verdict is downgrade
227 IndiGo Axis Bank Premium Credit Card ₹19,500 1.63% net of fee at ₹1L/mo spend · ₹5,000/yr · the desk's own verdict is downgrade
228 AU Ananta ₹18,500 1.54% net of fee at ₹1L/mo spend · ₹2,000/yr · the desk's own verdict is cancel
229 Adani One ICICI Bank Signature ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹5,000/yr · the desk's own verdict is downgrade
230 YES Bank RESERV ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹2,499/yr · the desk's own verdict is downgrade
231 Emirates Skywards ICICI Bank Sapphiro ₹15,700 1.31% net of fee at ₹1L/mo spend · ₹5,000/yr · the desk's own verdict is downgrade
232 Reliance SBI Card PRIME ₹14,750 1.23% net of fee at ₹1L/mo spend · ₹2,999/yr · the desk's own verdict is downgrade
233 Axis Bank Privilege ₹14,000 1.17% net of fee at ₹1L/mo spend · ₹1,500/yr · the desk's own verdict is downgrade
234 AU Zenith+ ₹13,500 1.13% net of fee at ₹1L/mo spend · ₹4,999/yr · the desk's own verdict is cancel
235 Apollo SBI Card SELECT ₹13,399 1.12% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
236 RBL Icon ₹12,250 1.02% net of fee at ₹1L/mo spend · ₹5,000/yr · the desk's own verdict is downgrade
237 Adani One ICICI Bank Platinum ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹750/yr · the desk's own verdict is downgrade
238 Samsung Axis Bank Signature ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
239 Flipkart Axis Bank Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
240 Paytm HDFC Bank ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
241 Union Bank VISA Signature ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,999/yr · the desk's own verdict is downgrade
242 IDFC FIRST SWYP ₹11,501 0.96% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
243 YES Bank BYOC (Rewards) ₹11,412 0.95% net of fee at ₹1L/mo spend · ₹588/yr · the desk's own verdict is downgrade
244 SpiceJet Axis Bank Voyage ₹11,250 0.94% net of fee at ₹1L/mo spend · ₹750/yr · the desk's own verdict is downgrade
245 SBI Card MILES ₹11,000 0.92% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
246 YES Bank BYOC (Cashback) ₹10,812 0.90% net of fee at ₹1L/mo spend · ₹1,188/yr · the desk's own verdict is downgrade
247 RBL Platinum Edge ₹9,750 0.81% net of fee at ₹1L/mo spend · ₹1,999/yr · the desk's own verdict is downgrade
248 ICICI Bank Rubyx ₹9,750 0.81% net of fee at ₹1L/mo spend · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade
249 ICICI Bank Rubyx against FD ₹9,750 0.81% net of fee at ₹1L/mo spend · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade
250 IndiGo SBI Card ₹9,501 0.79% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
251 IndiGo Kotak Credit Card ₹9,500 0.79% net of fee at ₹1L/mo spend · ₹1,500/yr · the desk's own verdict is downgrade
252 YES Bank ELITE+ ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹999/yr · the desk's own verdict is downgrade
253 ICICI Bank Expressions ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
254 RBL Platinum ShopGain ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
255 AU Vetta ₹8,500 0.71% net of fee at ₹1L/mo spend · ₹2,999/yr · the desk's own verdict is cancel
256 ICICI Bank Coral ₹8,500 0.71% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
257 ICICI Bank Coral against FD ₹8,500 0.71% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
258 Landmark Rewards SBI Card PRIME ₹8,001 0.67% net of fee at ₹1L/mo spend · ₹2,999/yr · the desk's own verdict is downgrade
259 YES Bank Wellness Plus ₹7,501 0.63% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
260 Landmark Rewards SBI Card SELECT ₹7,501 0.63% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
261 YES Prosperity Cashback+ ₹7,501 0.63% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is cancel
262 SBI Card PULSE ₹7,500 0.63% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
263 Axis Bank REWARDS ₹7,440 0.62% net of fee at ₹1L/mo spend · ₹1,000/yr · the desk's own verdict is downgrade
264 Axis Bank Platinum ₹7,200 0.60% net of fee at ₹1L/mo spend · ₹500 joining, then ₹200/yr · the desk's own verdict is downgrade
265 CUB CSK Master Platinum ₹7,200 0.60% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,000/yr · the desk's own verdict is downgrade
266 CUB SRH Master Platinum ₹7,200 0.60% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,000/yr · the desk's own verdict is downgrade
267 IndiGo Axis Bank Credit Card ₹7,001 0.58% net of fee at ₹1L/mo spend · ₹799/yr · the desk's own verdict is downgrade
268 Equitas Selfe Secured ₹6,400 0.53% net of fee at ₹1L/mo spend · ₹2,000/yr · the desk's own verdict is downgrade
269 RBL Bank Blockbuster ₹6,250 0.52% net of fee at ₹1L/mo spend · ₹3,000/yr · the desk's own verdict is downgrade
270 YES Essence ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹799/yr · the desk's own verdict is downgrade
271 Union Bank DIVAA ICON ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
272 Standard Chartered EaseMyTrip ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹350/yr · the desk's own verdict is downgrade
273 YES Bank SELECT ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹599/yr · the desk's own verdict is downgrade
274 ICICI Bank HPCL Super Saver ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
275 Union Bank RuPay Platinum ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹350/yr · the desk's own verdict is downgrade
276 ICICI Bank NRI Coral ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,000 joining, then ₹500/yr · the desk's own verdict is downgrade
277 RBL Platinum Delight ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,000/yr · the desk's own verdict is downgrade
278 YES Bank ACE ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
279 Union Bank VISA Platinum ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹450/yr · the desk's own verdict is downgrade
280 IDFC FIRST EA₹N ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
281 YES BANK EMI ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is cancel
282 IRCTC BOBCARD ₹5,650 0.47% net of fee at ₹1L/mo spend · ₹500 joining, then ₹350/yr · the desk's own verdict is downgrade
283 YES Bank Wellness ₹5,501 0.46% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
284 Kotak League Platinum ₹5,210 0.43% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
285 RBL Platinum Max ₹5,001 0.42% net of fee at ₹1L/mo spend · ₹999/yr · the desk's own verdict is downgrade
286 RBL Platinum Prime ₹5,001 0.42% net of fee at ₹1L/mo spend · ₹999/yr · the desk's own verdict is downgrade
287 YES Prosperity Cashback ₹5,001 0.42% net of fee at ₹1L/mo spend · ₹999/yr · the desk's own verdict is cancel
288 Axis Bank Pride Platinum ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹250/yr · the desk's own verdict is downgrade
289 IDBI Bank Imperium Platinum ₹4,624 0.39% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · the desk's own verdict is downgrade
290 Landmark Rewards SBI Card ₹4,501 0.38% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
291 Axis Bank My Zone ₹4,500 0.38% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
292 Axis Bank My Wings ₹4,300 0.36% net of fee at ₹1L/mo spend · ₹1,200 joining, then ₹500/yr · the desk's own verdict is cancel
293 Axis Bank My Zone Easy ₹4,300 0.36% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
294 Kotak 811 Credit Card ₹4,200 0.35% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
295 Kotak UPI RuPay ₹3,600 0.30% net of fee at ₹1L/mo spend · ₹0 — lifetime free · the desk's own verdict is downgrade
296 RBL Paisabazaar Duet Plus ₹3,600 0.30% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
297 Bandhan Bank Sparks Credit Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · the desk's own verdict is downgrade
298 TVS Credit RBL Bank ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
299 RBL Platinum Plus ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹999/yr · the desk's own verdict is downgrade
300 Union Bank VISA Gold ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹350/yr · the desk's own verdict is cancel
301 Paisabazaar Step-Up SBM Credit Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0/yr · ₹500 joining (one-time) · the desk's own verdict is downgrade
302 IndusInd Platinum Aura Edge ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free · the desk's own verdict is downgrade
303 Axis Bank Kwik ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free · the desk's own verdict is downgrade
304 Axis Bank Titanium Smart Traveller ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹250 joining, then ₹100/yr · the desk's own verdict is downgrade
305 IndianOil Axis Bank Credit Card ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
306 BOBCARD Select ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹750/yr · the desk's own verdict is downgrade
307 BOBCARD Easy ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
308 RBL Bank Patanjali Swarn ₹1,501 0.13% net of fee at ₹1L/mo spend · ₹1,499/yr · the desk's own verdict is downgrade
309 RBL Platinum LifeEasy ₹1,000 0.08% net of fee at ₹1L/mo spend · ₹1,999/yr · the desk's own verdict is downgrade
310 Axis Bank NEO ₹950 0.08% net of fee at ₹1L/mo spend · ₹250/yr · the desk's own verdict is downgrade
311 HDFC Bank Freedom ₹900 0.07% net of fee at ₹1L/mo spend · ₹500/yr · the desk's own verdict is downgrade
312 RBL EasySaver ₹251 0.02% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is cancel
313 PhonePe HDFC Bank Uno ₹0 0.00% net of fee at ₹1L/mo spend · ₹499/yr · the desk's own verdict is downgrade
314 RBL MyFirst −₹249 −0.02% net of fee at ₹1L/mo spend · ₹999/yr · the desk's own verdict is cancel
315 Air India SBI Signature Card ₹77,401 6.45% net of fee at ₹1L/mo spend · ₹4,999/yr · closed to new applicants
316 Axis Atlas ₹58,000 4.83% net of fee at ₹1L/mo spend · ₹5,000/yr · closed to new applicants
317 Kotak Infinite ₹33,600 2.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
318 Amex Platinum Travel ₹32,000 2.67% net of fee at ₹1L/mo spend · ₹5,000/yr · issuance paused
319 Air India SBI Platinum Card ₹31,301 2.61% net of fee at ₹1L/mo spend · ₹1,499/yr · closed to new applicants
320 Etihad Guest SBI Premier Card ₹30,000 2.50% net of fee at ₹1L/mo spend · ₹4,999/yr · closed to new applicants
321 Club Vistara SBI Card PRIME ₹29,200 2.43% net of fee at ₹1L/mo spend · ₹0/yr · ₹2,999 joining (one-time) · closed to new applicants
322 Axis Bank Vistara Infinite Credit Card ₹28,800 2.40% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
323 Diners Club International British Airways ₹27,000 2.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹3,000/yr · closed to new applicants
324 ABN AMRO Smart Miles Titanium ₹24,400 2.03% net of fee at ₹1L/mo spend · ₹2,000/yr · closed to new applicants
325 Standard Chartered Priority Visa Infinite ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
326 Amex Membership Rewards Card ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹1,000 joining, then ₹4,500/yr · issuance paused
327 Scapia (BOBCARD) ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
328 HDFC Bank Diners Club Miles ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
329 Hutch Citibank Credit Card ₹24,000 2.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
330 Club Vistara IDFC FIRST ₹23,801 1.98% net of fee at ₹1L/mo spend · ₹4,999/yr · closed to new applicants
331 Deutsche Bank Miles & More Platinum ₹22,000 1.83% net of fee at ₹1L/mo spend · ₹3,000 joining, then ₹2,000/yr · closed to new applicants
332 IndusInd Bank Miles & More Platinum ₹22,000 1.83% net of fee at ₹1L/mo spend · ₹3,000 joining, then ₹2,000/yr · closed to new applicants
333 Bajaj Finserv DBS 10X Signature SuperCard ₹21,001 1.75% net of fee at ₹1L/mo spend · ₹2,999/yr · closed to new applicants
334 HDFC Harley-Davidson Diners Club ₹20,963 1.75% net of fee at ₹1L/mo spend · ₹2,500/yr · closed to new applicants
335 British Airways ICICI Bank Classic ₹20,500 1.71% net of fee at ₹1L/mo spend · ₹3,500/yr · closed to new applicants
336 HDFC Regalia ₹19,500 1.63% net of fee at ₹1L/mo spend · ₹2,500/yr · closed to new applicants
337 HDFC Regalia Activ ₹19,500 1.63% net of fee at ₹1L/mo spend · ₹2,500/yr · closed to new applicants
338 Club Vistara SBI Card ₹19,400 1.62% net of fee at ₹1L/mo spend · ₹0/yr · ₹1,499 joining (one-time) · closed to new applicants
339 Axis Bank Vistara Signature Credit Card ₹19,200 1.60% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
340 Bajaj Finserv DBS 10X Plus SuperCard ₹19,001 1.58% net of fee at ₹1L/mo spend · ₹4,999/yr · closed to new applicants
341 Standard Chartered Emirates World ₹18,600 1.55% net of fee at ₹1L/mo spend · ₹3,000/yr · closed to new applicants
342 SBI Card ELITE Advantage ₹18,500 1.54% net of fee at ₹1L/mo spend · ₹4,999/yr · closed to new applicants
343 SBI Advantage Signature Card ₹18,500 1.54% net of fee at ₹1L/mo spend · ₹4,999/yr · closed to new applicants
344 PNB LUXURA Metal (Visa Infinite) ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹4,999 joining, then ₹1,999/yr · availability not published
345 Paytm SBI Card SELECT ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹1,499/yr · availability not published
346 Google Pay Flex SBI Card ₹18,000 1.50% net of fee at ₹1L/mo spend · ₹499/yr · availability not published
347 RBL iGlobe ₹17,000 1.42% net of fee at ₹1L/mo spend · ₹3,000/yr · invite-only — not on open application
348 PhonePe SBI Card SELECT BLACK ₹17,000 1.42% net of fee at ₹1L/mo spend · ₹1,499/yr · availability not published
349 Etihad Guest SBI Card ₹17,000 1.42% net of fee at ₹1L/mo spend · ₹1,499/yr · closed to new applicants
350 Myntra Kotak ₹17,000 1.42% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
351 SBI Card PRIME Advantage ₹17,000 1.42% net of fee at ₹1L/mo spend · ₹2,999/yr · closed to new applicants
352 RBL India Startup Club World ₹16,250 1.35% net of fee at ₹1L/mo spend · ₹5,000/yr · closed to new applicants
353 Pine Labs HDFC Bank Pro ₹15,996 1.33% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
354 HSBC Advance Platinum ₹15,996 1.33% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
355 RBL Signature Banking ₹15,500 1.29% net of fee at ₹1L/mo spend · ₹2,500/yr · invite-only — not on open application
356 Bajaj Finserv DBS 7X SuperCard ₹15,301 1.28% net of fee at ₹1L/mo spend · ₹1,499/yr · closed to new applicants
357 RBL Aspire Banking ₹15,000 1.25% net of fee at ₹1L/mo spend · ₹1,500/yr · invite-only — not on open application
358 Utkarsh Eternal Credit Card ₹15,000 1.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,999/yr · invite-only — not on open application
359 Utkarsh Rhodium Credit Card ₹15,000 1.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹4,999/yr · invite-only — not on open application
360 Dhi CUB Visa Signature ₹15,000 1.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
361 Shaurya Select SBI Card ₹15,000 1.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,499/yr · availability not published
362 PhonePe SBI Card PURPLE ₹15,000 1.25% net of fee at ₹1L/mo spend · ₹499/yr · availability not published
363 Bajaj Finserv DBS 7X Plus SuperCard ₹14,801 1.23% net of fee at ₹1L/mo spend · ₹1,999/yr · closed to new applicants
364 AU Xcite Ultra Credit Card ₹14,750 1.23% net of fee at ₹1L/mo spend · ₹749/yr · invite-only — not on open application
365 PNB Premium Metal LUXURA ₹14,001 1.17% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,999/yr · availability not published
366 RBL Edition Black ₹14,000 1.17% net of fee at ₹1L/mo spend · ₹1,499/yr · closed to new applicants
367 KVB SBI Signature Card ₹13,501 1.13% net of fee at ₹1L/mo spend · ₹4,999/yr · availability not published
368 SBI Signature Card ₹13,501 1.13% net of fee at ₹1L/mo spend · ₹4,999/yr · closed to new applicants
369 Amex SmartEarn ₹13,500 1.13% net of fee at ₹1L/mo spend · ₹495/yr · issuance paused
370 Amex Gold Charge ₹13,500 1.13% net of fee at ₹1L/mo spend · ₹1,000 joining, then ₹4,500/yr · issuance paused
371 Kotak Privy League Signature ₹13,500 1.13% net of fee at ₹1L/mo spend · ₹2,500/yr · closed to new applicants
372 IndusInd Iconia Amex ₹13,440 1.12% net of fee at ₹1L/mo spend · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants
373 MakeMyTrip ICICI Bank Signature ₹12,600 1.05% net of fee at ₹1L/mo spend · ₹0/yr · ₹2,500 joining (one-time) · closed to new applicants
374 HDFC Bank Superia ₹12,600 1.05% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
375 Utkarsh SmartGen Credit Card ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹199/yr · invite-only — not on open application
376 IB-VISA-Gold ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · availability not published
377 IB-VISA-Platinum ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · availability not published
378 IB-RuPay-Platinum ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · availability not published
379 IB-RuPay-Select ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · availability not published
380 YES First Preferred ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹999/yr · closed to new applicants
381 Samsung Axis Bank Infinite ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹5,000/yr · closed to new applicants
382 Best Price Save Smart HDFC Bank ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
383 HDFC Bank Diners Club Premium ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹2,500/yr · closed to new applicants
384 HSBC Smart Value ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
385 Maruti Suzuki AutoCard ₹12,000 1.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
386 Standard Chartered Landmark Rewards Platinum ₹11,750 0.98% net of fee at ₹1L/mo spend · ₹250/yr · closed to new applicants
387 CRED IndusInd Bank RuPay Credit Card ₹11,501 0.96% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · invite-only — not on open application
388 Paytm SBI Card ₹11,501 0.96% net of fee at ₹1L/mo spend · ₹499/yr · availability not published
389 Bajaj Finserv DBS 5X SuperCard ₹11,501 0.96% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
390 Amex PAYBACK Credit Card ₹11,500 0.96% net of fee at ₹1L/mo spend · ₹750 joining, then ₹1,500/yr · closed to new applicants
391 Amex MakeMyTrip Credit Card ₹11,500 0.96% net of fee at ₹1L/mo spend · ₹750 joining, then ₹1,500/yr · closed to new applicants
392 Kotak Royale Signature ₹11,490 0.96% net of fee at ₹1L/mo spend · ₹1,499 joining, then ₹999/yr · closed to new applicants
393 HDFC Bank Idea International Silver ₹11,300 0.94% net of fee at ₹1L/mo spend · ₹300 joining, then ₹700/yr · closed to new applicants
394 RBL World Plus ₹11,001 0.92% net of fee at ₹1L/mo spend · ₹4,999/yr · availability not published
395 Bajaj Finserv DBS 5X Plus SuperCard ₹11,001 0.92% net of fee at ₹1L/mo spend · ₹999/yr · closed to new applicants
396 BOB Financial Paytm Credit Card ₹10,000 0.83% net of fee at ₹1L/mo spend · ₹2,000/yr · closed to new applicants
397 PNB Zaggle Twin ₹9,990 0.83% net of fee at ₹1L/mo spend · ₹499/yr · availability not published
398 Emirates Skywards ICICI Bank Rubyx ₹9,800 0.82% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
399 PNB Parakram ₹9,750 0.81% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
400 Flipkart Axis Bank Super Elite ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹500/yr · issuance paused
401 Axis Bank Vistara Credit Card ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
402 Yatra Barclaycard Platinum ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
403 Barclaycard Gold ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
404 Barclays Premier League Barclaycard ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
405 Times Card from Barclaycard and TimesofMoney ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
406 SBI Maruti Card ₹9,600 0.80% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
407 SBI Railway Card ₹9,300 0.78% net of fee at ₹1L/mo spend · ₹500 joining, then ₹300/yr · closed to new applicants
408 KVB SBI Platinum Card ₹9,001 0.75% net of fee at ₹1L/mo spend · ₹2,999/yr · availability not published
409 South Indian Bank SBI Platinum Card ₹9,001 0.75% net of fee at ₹1L/mo spend · ₹2,999/yr · availability not published
410 Varunah Premium BOBCARD ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹2,499/yr · invite-only — not on open application
411 AU Xcite Credit Card ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹249/yr · invite-only — not on open application
412 HDFC Bank Easy EMI ₹9,000 0.75% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
413 RBL Bank Practo Plus Credit Card ₹8,800 0.73% net of fee at ₹1L/mo spend · ₹0 joining, then ₹2,000/yr · closed to new applicants
414 HSBC Spencer's Retail Classic ₹8,750 0.73% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · closed to new applicants
415 PVR Kotak Platinum ₹8,601 0.72% net of fee at ₹1L/mo spend · ₹0 joining, then ₹999/yr · closed to new applicants
416 IndusInd PAYBACK Credit Card ₹8,500 0.71% net of fee at ₹1L/mo spend · ₹0/yr · ₹249 joining (one-time) · closed to new applicants
417 RBL Monthly Treats ₹8,400 0.70% net of fee at ₹1L/mo spend · ₹1,200/yr · closed to new applicants
418 Delhi Metro Citibank ₹8,400 0.70% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
419 RBL World Prime ₹8,001 0.67% net of fee at ₹1L/mo spend · ₹2,999/yr · availability not published
420 Doctor's SBI Card ₹8,000 0.67% net of fee at ₹1L/mo spend · ₹1,499/yr · availability not published
421 InterMiles HDFC Bank Diners Club ₹7,792 0.65% net of fee at ₹1L/mo spend · ₹5,000/yr · closed to new applicants
422 RBL World Max ₹7,501 0.63% net of fee at ₹1L/mo spend · ₹2,999/yr · availability not published
423 SBI Platinum Card (2007) ₹7,500 0.63% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
424 AU Xcite Ace Credit Card ₹7,200 0.60% net of fee at ₹1L/mo spend · ₹749/yr · invite-only — not on open application
425 Poonawalla Fincorp IndusInd eLITE RuPay ₹7,200 0.60% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
426 InterMiles HDFC Bank Signature ₹7,100 0.59% net of fee at ₹1L/mo spend · ₹2,500/yr · closed to new applicants
427 Jet Airways Citibank Platinum ₹7,100 0.59% net of fee at ₹1L/mo spend · ₹2,000 joining, then ₹2,500/yr · closed to new applicants
428 ICAI Exclusive BOBCARD ₹7,000 0.58% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
429 CMA One BOBCARD ₹7,000 0.58% net of fee at ₹1L/mo spend · ₹0/yr · ₹1 joining (one-time) · invite-only — not on open application
430 RBL Bank Black ₹7,000 0.58% net of fee at ₹1L/mo spend · ₹3,000/yr · closed to new applicants
431 RBL IGU NHS Golf World Card ₹7,000 0.58% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
432 ICSI Diamond BOBCARD ₹6,999 0.58% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
433 IndusInd Iconia Visa ₹6,720 0.56% net of fee at ₹1L/mo spend · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants
434 Citibank Rewards Domestic Credit Card ₹6,720 0.56% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
435 First Citizen Citibank Platinum Credit Card ₹6,498 0.54% net of fee at ₹1L/mo spend · ₹1,500/yr · closed to new applicants
436 Kotak Solaris Platinum ₹6,490 0.54% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
437 Kotak Essentia Platinum ₹6,451 0.54% net of fee at ₹1L/mo spend · ₹1,499 joining, then ₹749/yr · closed to new applicants
438 Taj Epicure Diners Club ₹6,040 0.50% net of fee at ₹1L/mo spend · ₹2,000/yr · closed to new applicants
439 Standard Chartered Bajaj Finserv World ₹6,001 0.50% net of fee at ₹1L/mo spend · ₹2,999/yr · closed to new applicants
440 Varunah Plus BOBCARD ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,499/yr · invite-only — not on open application
441 Indian Army YODDHA BOBCARD ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
442 Assam Rifles SENTINEL BOBCARD ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
443 Coast Guard RAKSHAMAH BOBCARD ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
444 UJJIVAN SFB Elite BOBCARD ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
445 Canara Bank Select / World / Signature ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
446 Canara Bank Platinum ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
447 PNB Visa Signature ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,500 joining, then ₹2,000/yr · availability not published
448 Canara Bank Classic / Standard ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
449 Canara Bank Gold ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
450 Chennai Super Kings ICICI Bank ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
451 RBL Bank Fun+ ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
452 YES Bank anQ Phi ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · closed to new applicants
453 Standard Chartered Bandhan Plus ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹699/yr · closed to new applicants
454 Standard Chartered Bandhan Xclusive ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹2,999/yr · closed to new applicants
455 MagniFi (Federal Bank) ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
456 IndianOil Citibank Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
457 Andhra Bank VISA Platinum Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,000/yr · closed to new applicants
458 Andhra Bank VISA Gold Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹1,000/yr · closed to new applicants
459 Andhra Bank VISA Classic Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹550/yr · closed to new applicants
460 Andhra Bank MasterCard Credit Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹550/yr · closed to new applicants
461 Bajaj Finserv RBL Bank CA SuperCard ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹999/yr · closed to new applicants
462 Easyday Kotak Titanium Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · closed to new applicants
463 Easyday Kotak Silver Card ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
464 ICICI Unifare Bangalore Metro ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹299/yr · closed to new applicants
465 ICICI Unifare Mumbai Metro ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹299/yr · closed to new applicants
466 SBI Platinum Card (2010) ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,500/yr · closed to new applicants
467 BOBCARD Select Platinum ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
468 BOBCARD Signature ₹6,000 0.50% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
469 Citibank Platinum Credit Card ₹5,720 0.48% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
470 Citibank Gold Credit Card ₹5,603 0.47% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
471 Citibank Woman's Credit Card ₹5,603 0.47% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
472 MTV Citibank Credit Card ₹5,603 0.47% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
473 Reliance Gold Credit Card ₹5,603 0.47% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
474 Reliance Silver Credit Card ₹5,603 0.47% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
475 Citi Titanium Cash Rewards Credit Card ₹5,500 0.46% net of fee at ₹1L/mo spend · ₹0 joining, then ₹500/yr · closed to new applicants
476 InterMiles HDFC Bank Platinum ₹5,408 0.45% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
477 ABN AMRO One ₹5,405 0.45% net of fee at ₹1L/mo spend · ₹295 joining, then ₹595/yr · closed to new applicants
478 Apollo SBI Card ₹5,400 0.45% net of fee at ₹1L/mo spend · ₹499/yr · availability not published
479 HDFC Bank Regalia First ₹5,400 0.45% net of fee at ₹1L/mo spend · ₹1,000/yr · issuance paused
480 HDFC Bank Diners Club Rewardz ₹5,400 0.45% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
481 Kotak Urbane Gold ₹5,200 0.43% net of fee at ₹1L/mo spend · ₹0 joining, then ₹199/yr · closed to new applicants
482 Standard Chartered Bajaj Finserv Platinum ₹5,001 0.42% net of fee at ₹1L/mo spend · ₹0 joining, then ₹999/yr · closed to new applicants
483 RBL India Startup Club Platinum ₹5,000 0.42% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
484 RBL Platinum Cricket ₹5,000 0.42% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
485 BOBCARD Prime ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
486 IOB SalarySe Rise UP ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹0/yr · ₹299 joining (one-time) · availability not published
487 Best Price Save Max HDFC Bank ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
488 Edge Federal Bank Visa Credit Card ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹0 joining, then ₹999/yr · closed to new applicants
489 Jet Airways Citibank Titanium ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
490 Jet Airways Citibank Silver ₹4,800 0.40% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
491 Kotak Veer Select ₹4,500 0.38% net of fee at ₹1L/mo spend · ₹0 joining, then ₹599/yr · closed to new applicants
492 PVR Kotak Gold ₹4,301 0.36% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · closed to new applicants
493 Citibank Silver Credit Card ₹4,200 0.35% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
494 CRY Citibank Credit Card ₹4,200 0.35% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
495 WWF Citibank Credit Card ₹4,200 0.35% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
496 SBI Apna Bazaar Card ₹4,050 0.34% net of fee at ₹1L/mo spend · ₹250 joining, then ₹750/yr · closed to new applicants
497 RBL Titanium Delight ₹4,000 0.33% net of fee at ₹1L/mo spend · ₹750/yr · closed to new applicants
498 RBL Bank MoneyTap ₹4,000 0.33% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
499 RBL vCard ₹4,000 0.33% net of fee at ₹1L/mo spend · ₹0 joining, then ₹500/yr · closed to new applicants
500 ABN AMRO Titanium One ₹4,000 0.33% net of fee at ₹1L/mo spend · ₹500 joining, then ₹2,000/yr · closed to new applicants
501 Bajaj Finserv RBL Bank Doctor's SuperCard ₹4,000 0.33% net of fee at ₹1L/mo spend · ₹999/yr · closed to new applicants
502 PNB RuPay Millennial ₹3,999 0.33% net of fee at ₹1L/mo spend · ₹399 joining, then ₹999/yr · availability not published
503 Pine Labs HDFC Bank ₹3,996 0.33% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
504 PNB SALARY RuPay Select ₹3,990 0.33% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
505 SBI Gold & More Card ₹3,990 0.33% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
506 HDFC Bank Solitaire ₹3,600 0.30% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
507 InterMiles ICICI Bank Coral Credit Card ₹3,550 0.30% net of fee at ₹1L/mo spend · ₹1,250/yr · closed to new applicants
508 LIC Axis Bank Titanium ₹3,420 0.29% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
509 LIC Axis Bank Gold ₹3,420 0.29% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
510 RBL Bank novio ₹3,250 0.27% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
511 ETMONEY RBL Bank LoanPass Credit Card ₹3,250 0.27% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
512 PNB Patanjali RuPay Select ₹3,249 0.27% net of fee at ₹1L/mo spend · ₹500 joining, then ₹750/yr · availability not published
513 PNB RuPay Select ₹3,249 0.27% net of fee at ₹1L/mo spend · ₹500 joining, then ₹750/yr · availability not published
514 SBI Card Unnati ₹3,001 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · availability not published
515 Federal Bank SBI Platinum Card ₹3,001 0.25% net of fee at ₹1L/mo spend · ₹2,999/yr · closed to new applicants
516 SBI Platinum Card ₹3,001 0.25% net of fee at ₹1L/mo spend · ₹2,999/yr · closed to new applicants
517 SBI Advantage Platinum Card ₹3,001 0.25% net of fee at ₹1L/mo spend · ₹2,999/yr · closed to new applicants
518 Varunah BOBCARD ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
519 BOBCARD VIKRAM ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
520 PRAGATI BOBCARD (RRB) ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · invite-only — not on open application
521 Nainital Bank RENAISSANCE ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · invite-only — not on open application
522 Nainital Bank RENAISSANCE BOBCARD ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · invite-only — not on open application
523 UJJIVAN SFB Platinum BOBCARD ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
524 PNB BLISS ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹510/yr · availability not published
525 PNB SALARY RuPay Platinum ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
526 PNB EMT RuPay Platinum ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹2,000/yr · availability not published
527 Shaurya SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹250/yr · availability not published
528 Indian Overseas Bank RuPay Select ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹500/yr · availability not published
529 Indian Overseas Bank RuPay Platinum ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · availability not published
530 RBL Platinum Classic ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr · issuance paused
531 BOBCARD ConQR ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
532 Kotak Mojo Platinum ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹1,000/yr · closed to new applicants
533 RBL Bank MoCash ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
534 HDFC Bank MoneyBack (original) ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
535 YES Prosperity Rewards ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹399/yr · closed to new applicants
536 Kotak Veer Platinum ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 joining, then ₹299/yr · closed to new applicants
537 Chennai Metro SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
538 Mumbai Metro SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
539 SpiceJet SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
540 SBI Silver & More Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹250/yr · closed to new applicants
541 SimplyCLICK Advantage SBI Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
542 Toyota ICICI Bank Co-Branded ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
543 ICICI Bank Gitanjali Jewellery ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
544 IndusInd Bank Gold Credit Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0/yr · ₹500 joining (one-time) · closed to new applicants
545 BOBCARD Bombay Bullion ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500 joining, then ₹1,000/yr · closed to new applicants
546 RBL Freedom SuperCard ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹999/yr · closed to new applicants
547 SBI Student Plus Advantage Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
548 SBI Doctors Card ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
549 BOBCARD Titanium ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹250 joining, then ₹500/yr · closed to new applicants
550 BOBCARD Elite Platinum ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500 joining, then ₹1,000/yr · closed to new applicants
551 BOBCARD Assure ₹3,000 0.25% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
552 Jet Airways Amex Platinum ₹2,792 0.23% net of fee at ₹1L/mo spend · ₹5,000 joining, then ₹10,000/yr · closed to new applicants
553 SyndicateBank Global Credit Card Classic ₹2,700 0.22% net of fee at ₹1L/mo spend · ₹0 joining, then ₹300/yr · closed to new applicants
554 JetPrivilege HDFC Bank Titanium ₹2,692 0.22% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
555 Federal Bank SBI Gold 'N More ₹2,501 0.21% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
556 PNB RuPay Platinum ₹2,500 0.21% net of fee at ₹1L/mo spend · ₹0 joining, then ₹500/yr · availability not published
557 PNB Patanjali RuPay Platinum ₹2,500 0.21% net of fee at ₹1L/mo spend · ₹0 joining, then ₹500/yr · availability not published
558 ICICI Bank HPCL Gold ₹2,500 0.21% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
559 ICICI Bank HPCL Silver ₹2,500 0.21% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
560 SyndicateBank Global Credit Card Gold ₹2,500 0.21% net of fee at ₹1L/mo spend · ₹0 joining, then ₹500/yr · closed to new applicants
561 SBI UBI Gold Card ₹2,490 0.21% net of fee at ₹1L/mo spend · ₹300 joining, then ₹1,500/yr · closed to new applicants
562 PM SVANidhi BOBCARD ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free · invite-only — not on open application
563 OneCard Metal ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free · issuance paused
564 Axis Bank Signature ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹1,500 joining, then ₹1,000/yr · closed to new applicants
565 IOB Gold Credit Card ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
566 IOB Classic Credit Card ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
567 SBI Employee Card ₹2,400 0.20% net of fee at ₹1L/mo spend · ₹0 — lifetime free · closed to new applicants
568 SBI UBI Card ₹2,250 0.19% net of fee at ₹1L/mo spend · ₹250 joining, then ₹750/yr · closed to new applicants
569 SimplySAVE Advantage SBI Card ₹2,010 0.17% net of fee at ₹1L/mo spend · ₹499/yr · closed to new applicants
570 Standard Chartered Bandhan One ₹2,004 0.17% net of fee at ₹1L/mo spend · ₹299/yr · closed to new applicants
571 Indian Overseas Bank RuPay Classic ₹2,001 0.17% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
572 Hero Honda SBI Card ₹1,900 0.16% net of fee at ₹1L/mo spend · ₹250 joining, then ₹500/yr · closed to new applicants
573 SBI Mumbai Card ₹1,650 0.14% net of fee at ₹1L/mo spend · ₹250 joining, then ₹750/yr · closed to new applicants
574 SBI Advantage Card (pre-2009) ₹1,650 0.14% net of fee at ₹1L/mo spend · ₹250 joining, then ₹750/yr · closed to new applicants
575 RBL Bank QuickPay ₹1,401 0.12% net of fee at ₹1L/mo spend · ₹99/yr · invite-only — not on open application
576 HDFC Bank Titanium Times ₹1,200 0.10% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
577 SBI Gold Card (pre-2009) ₹900 0.07% net of fee at ₹1L/mo spend · ₹300 joining, then ₹1,500/yr · closed to new applicants
578 Equitas Tiga Secured ₹800 0.07% net of fee at ₹1L/mo spend · ₹1,000/yr · availability not published
579 IB-VISA-Bharat ₹0 0.00% net of fee at ₹1L/mo spend · ₹0 — lifetime free · availability not published
580 IB-RuPay-Classic ₹0 0.00% net of fee at ₹1L/mo spend · ₹0 joining, then ₹250/yr · availability not published
581 HDFC Bank Bharat ₹0 0.00% net of fee at ₹1L/mo spend · ₹500/yr · closed to new applicants
582 Standard Chartered Platinum Elite ₹0 0.00% net of fee at ₹1L/mo spend · ₹4,995 joining, then ₹6,000/yr · closed to new applicants
583 Kotak Delight Platinum −₹299 −0.02% net of fee at ₹1L/mo spend · ₹1,999 joining, then ₹299/yr · availability not published
584 Kotak Feast Gold −₹499 −0.04% net of fee at ₹1L/mo spend · ₹0 joining, then ₹499/yr · closed to new applicants

Filtered out — and why

61 cards, each with the reason fold the 61 back up

How is this ranking computed?

Eligibility is computed, not curated: what you hand over to GET the card — its annual fee, or the joining charge where it levies one — is ₹5,000 or under, and the card's own fine print mentions no invite or banking-relationship gate. Ranking is net annual value at a ₹1L-a-month spend — real earn tiers, milestones, monthly bonuses and fee waivers at our house ₹/point — the netAnnualValue engine, the same number the card pages and the calculator show, and deliberately NOT the ranking engine (which also credits ~20% of spend at each card's best accelerator and therefore reads higher on /compare). Welcome bonuses and first-year fee offers are excluded: we rank the card you'll hold in year two.

Same engines as the calculator, the optimizer and the lounge map. When the data moves, this page moves — see the tracker.

Straight answers

How many cards are in this first travel card ranking?

584 of the 973 Indian personal cards on the desk are ranked here. 61 are listed unranked with the computed reason — filtered out — and why — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).

How up to date is this list?

The records behind this board — the card records this ranks and the house valuations their points are priced at — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

Which first travel credit card in India has no annual fee?

133 of the 584 ranked here are lifetime free. The best on net ₹/yr at ₹1L/mo is IndusInd Tiger at ₹44,800. This board's call, BOBCARD Etihad Guest Premium, costs ₹5,000/yr and reaches ₹70,000 — that gap is what the fee buys.

Is BOBCARD Etihad Guest Premium better than IndusInd Tiger?

On what this board ranks — net ₹/yr at ₹1L/mo — yes: ₹70,000 against ₹44,800. That is the whole claim, and a narrow one. IndusInd Tiger takes this desk's lifetime free board instead. No card wins overall: 23 boards, 23 questions.

More best-of calls

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