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Best of · September 2026

Where ₹5L a month should live.

see the ranked list ↓

At ₹60L a year, fees are noise and earn curves are everything: tiers kick in, milestones clear, waivers trigger. Price every card at ₹5L a month, at the everyday mix, and Axis Magnus for Burgundy pays ₹5,40,000 a year net — the biggest number on the desk. All 645 priced cards, ranked on the same spend and the same mix, below.

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

Which travel credit card is best for high spenders in India?

Axis Magnus for Burgundy. Run all 645 priced cards through the one value engine at ₹5L a month — ₹60L a year — at the everyday mix, and it pays ₹5,40,000 net of its fee, the biggest number on the desk. At this spend the fee stops mattering and the earn curve is everything: tiers, milestones and waivers are all priced in, welcome bonuses deliberately are not.

The ₹ here is the one value engine — everyday mix, each card's published category rules, no portal accelerator, priced at ₹5L a month. That is not the ₹2L floor the over-₹2L band prints (all three models →).

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

#1 the call Keep

Axis Magnus for Burgundy

₹5,40,000

net ₹/yr at ₹5L/mo

9.00% net of fee at ₹5L/mo, the everyday mix · ₹30,000/yr

#2 Keep

Axis Magnus

₹2,70,000

net ₹/yr at ₹5L/mo

4.50% net of fee at ₹5L/mo, the everyday mix · ₹12,500/yr

The rest of the field

Ranks 4–15 of 645

# Card net ₹/yr at ₹5L/mo The math
4 IndusInd Tiger ₹2,19,300 3.65% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
5 KrisFlyer SBI Card APEX ₹1,70,600 2.84% net of fee at ₹5L/mo, the everyday mix · ₹9,999/yr
6 IDFC FIRST Mayura ₹1,67,900 2.80% net of fee at ₹5L/mo, the everyday mix · ₹5,999/yr
7 ICICI Times Black ₹1,62,800 2.71% net of fee at ₹5L/mo, the everyday mix · ₹20,000/yr
8 BOBCARD Etihad Guest Premium ₹1,58,800 2.65% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr
9 Axis Bank Reserve ₹1,51,200 2.52% net of fee at ₹5L/mo, the everyday mix · ₹50,000/yr
10 Standard Chartered Ultimate ₹1,50,900 2.51% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr
11 Axis Miles & More World Select ₹1,50,700 2.51% net of fee at ₹5L/mo, the everyday mix · ₹10,000 joining, then ₹4,500/yr
12 Bandhan Bank Lumina Credit Card ₹1,50,000 2.50% net of fee at ₹5L/mo, the everyday mix · ₹9,999/yr
13 HSBC Premier (Metal) ₹1,49,200 2.49% net of fee at ₹5L/mo, the everyday mix · ₹12,000 joining, then ₹20,000/yr
14 RBL Nova ₹1,40,800 2.35% net of fee at ₹5L/mo, the everyday mix · ₹12,500/yr
15 IDFC FIRST Ashva ₹1,33,200 2.22% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr
the other 630 cards — ranks 16 to 645 fold the other 630 back up
# Card net ₹/yr at ₹5L/mo The math
16 Kotak Solitaire ₹1,26,200 2.10% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹25,000/yr
17 YES Bank Marquee ₹1,20,900 2.02% net of fee at ₹5L/mo, the everyday mix · ₹9,999 joining, then ₹4,999/yr
18 Scapia (Axis Bank) ₹1,20,000 2.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
19 Kotak White Reserve ₹1,20,000 2.00% net of fee at ₹5L/mo, the everyday mix · ₹12,500/yr
20 CUB SalarySe Level UP ₹1,17,600 1.96% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
21 CUB SalarySe Level UP Virtual ₹1,17,600 1.96% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
22 IndusInd Avios Visa Infinite ₹1,14,600 1.91% net of fee at ₹5L/mo, the everyday mix · ₹10,000 joining, then ₹5,000/yr
23 HSBC TravelOne ₹1,10,800 1.85% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr
24 SBI AURUM ₹1,09,400 1.82% net of fee at ₹5L/mo, the everyday mix · ₹9,999/yr
25 HDFC Regalia Gold ₹1,07,900 1.80% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr
26 Kotak Air+ Prime ₹1,00,800 1.68% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
27 Kotak Air+ ₹1,00,800 1.68% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
28 Scapia (Federal Bank) ₹1,00,800 1.68% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
29 Axis Miles & More World ₹1,00,300 1.67% net of fee at ₹5L/mo, the everyday mix · ₹3,500/yr
30 Axis Horizon ₹99,300 1.65% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
31 IndiGo IDFC FIRST Secured ₹97,500 1.63% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹4,999/yr
32 Google Pay Flex Axis Bank ₹96,000 1.60% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
33 Bandhan Bank Flare Credit Card ₹90,000 1.50% net of fee at ₹5L/mo, the everyday mix · ₹2,499/yr
34 KVB Eternis Credit Card ₹90,000 1.50% net of fee at ₹5L/mo, the everyday mix · ₹29,999/yr
35 Emirates Skywards ICICI Bank Emeralde ₹89,700 1.50% net of fee at ₹5L/mo, the everyday mix · ₹10,000/yr
36 IndiGo IDFC FIRST Dual Credit Card ₹88,000 1.47% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr
37 Equitas PowerMiles Secured ₹85,000 1.42% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr
38 Tata Neu Infinity HDFC Bank ₹84,600 1.41% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr
39 HSBC Live+ ₹84,600 1.41% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
40 Equitas PowerMiles ₹84,600 1.41% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr
41 Axis Bank ACE ₹84,600 1.41% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
42 IDFC FIRST Diamond Reserve ₹82,500 1.38% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
43 BOBCARD Etihad Guest ₹79,400 1.32% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr
44 ESAF INORI RuPay Platinum ₹75,000 1.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
45 SBI Card MILES ELITE ₹70,400 1.17% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr
46 ixigo AU ₹70,000 1.17% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
47 Tata Neu Infinity SBI Card ₹64,800 1.08% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr
48 DBS Spark 20 Credit Card ₹64,000 1.07% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr
49 Axis Bank Privilege Easy ₹64,000 1.07% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr
50 DBS Spark 10 Credit Card ₹62,800 1.05% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
51 HDFC Diners Club Privilege ₹62,400 1.04% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
52 DBS Spark 5 Credit Card ₹62,000 1.03% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
53 SBI Card MILES PRIME ₹60,400 1.01% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr
54 Edge+ CSB Bank RuPay Credit Card ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹999 joining (one-time)
55 Niyo Global SBM Credit Card ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
56 Union Bank RuPay Select ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹550/yr
57 Union Sparsh ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹550/yr
58 slice UPI Credit Card ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
59 Utkarsh superCard ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
60 YES PaisaSave ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr
61 YES PaisaSave RuPay ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
62 Airtel Axis Bank Credit Card ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
63 SBM MobiKwik First Credit Card ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
64 Snapdeal BOBCARD ₹59,800 1.00% net of fee at ₹5L/mo, the everyday mix · ₹249/yr
65 BOBCARD Cashback ₹59,500 0.99% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
66 IDBI Bank LIC Eclat Select ₹57,300 0.95% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
67 LIC Axis Bank Signature ₹57,000 0.95% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
68 Tata Neu Plus HDFC Bank ₹56,400 0.94% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
69 HDFC PIXEL Go ₹56,400 0.94% net of fee at ₹5L/mo, the everyday mix · ₹250/yr
70 HDFC Bank PIXEL Play ₹56,400 0.94% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
71 LIC IDFC FIRST Select ₹56,400 0.94% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
72 Flipkart SBI Card ₹56,400 0.94% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
73 IndianOil RBL Bank XTRA Credit Card ₹56,000 0.93% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr
74 KrisFlyer SBI Card ₹55,700 0.93% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr
75 IndiGo Kotak Premium Credit Card ₹55,400 0.92% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
76 MakeMyTrip ICICI Bank ₹54,000 0.90% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
77 Shoppers Stop Black HDFC Bank ₹51,900 0.86% net of fee at ₹5L/mo, the everyday mix · ₹4,500/yr
78 Marriott Bonvoy HDFC Bank ₹51,600 0.86% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
79 Kotak Air ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
80 BOBCARD Uni GoldX ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
81 Axis Bank SuperMoney RuPay ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
82 CUB CSK Master World ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹4,000/yr
83 CUB SRH Master World ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹4,000/yr
84 IndusInd Legend ₹47,500 0.79% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹5,000 joining (one-time)
85 IDBI Bank LIC Lumine ₹45,600 0.76% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
86 IRCTC SBI Card Premier ₹45,100 0.75% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr
87 IRCTC SBI Platinum Card ₹45,100 0.75% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
88 IndusInd Pinnacle World ₹45,100 0.75% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹15,000 joining (one-time)
89 Tata Neu Plus SBI Card ₹44,400 0.74% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
90 Standard Chartered Rewards ₹43,600 0.73% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,000/yr
91 IDBI Bank Euphoria World ₹43,200 0.72% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr
92 IDBI Bank Royale Signature ₹43,200 0.72% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
93 Equitas Selfe Credit Card ₹42,000 0.70% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
94 Axis Bank Cashback ₹40,800 0.68% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
95 SBI Card ELITE ₹40,700 0.68% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr
96 Axis Bank Pride Signature ₹40,300 0.67% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
97 SBI Card PRIME ₹39,200 0.65% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr
98 RBL World Safari ₹38,500 0.64% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
99 YES Bank Zagg Credit Card ₹37,800 0.63% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
100 IndianOil Axis Bank Premium ₹36,000 0.60% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
101 LIC IDFC FIRST Classic ₹36,000 0.60% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
102 Paisabazaar Paisa Plus Credit Card ₹36,000 0.60% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr
103 LIC Axis Bank Platinum ₹35,900 0.60% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
104 Axis Bank SELECT ₹35,800 0.60% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
105 IDFC FIRST WOW! Black ₹34,600 0.58% net of fee at ₹5L/mo, the everyday mix · ₹750/yr
106 BOBCARD Eterna ₹33,800 0.56% net of fee at ₹5L/mo, the everyday mix · ₹2,499/yr
107 IndusInd Platinum ₹33,800 0.56% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
108 IndusInd Platinum RuPay ₹33,800 0.56% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹10,000 joining (one-time)
109 Bandhan Bank Ignite Credit Card ₹33,600 0.56% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹999/yr
110 HSBC Platinum ₹33,600 0.56% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
111 HSBC RuPay Platinum ₹33,600 0.56% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
112 Union Bank UNICORN ₹32,500 0.54% net of fee at ₹5L/mo, the everyday mix · ₹2,400/yr
113 Union JCB Health ₹31,200 0.52% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
114 Union UNI-CARBON ₹30,700 0.51% net of fee at ₹5L/mo, the everyday mix · ₹499 joining, then ₹550/yr
115 AU CA Metal ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
116 AU CS ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
117 AU Bank Traverse Credit Card (NRI) ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr
118 IndusInd Duo ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
119 AU Laksya Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
120 Paytm AU Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
121 CheQ AU Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
122 Standard Chartered Manhattan ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
123 Aditya Birla Capital AU Pro ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
124 PNB Kiwi ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹750/yr
125 BOBCARD Premier (FD Backed) ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
126 AU Prathama Credit Card ₹29,900 0.50% net of fee at ₹5L/mo, the everyday mix · ₹100/yr
127 Union JCB Wellness ₹29,300 0.49% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
128 MakeMyTrip ICICI Bank Platinum ₹29,200 0.49% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹500 joining (one-time)
129 BOBCARD Tiara ₹28,800 0.48% net of fee at ₹5L/mo, the everyday mix · ₹2,499/yr
130 IDBI Bank Winnings ₹28,800 0.48% net of fee at ₹5L/mo, the everyday mix · ₹899/yr
131 ICICI Bank HPCL Coral Credit Card ₹28,500 0.47% net of fee at ₹5L/mo, the everyday mix · ₹199/yr
132 AU Bank NOMO Credit Card ₹27,700 0.46% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹199 joining (one-time)
133 TVS Credit RBL Bank Gold ₹27,200 0.45% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr
134 Kotak NRI Royale Signature ₹27,200 0.45% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
135 Kotak White ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr
136 Kotak Cashback+ ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹750/yr
137 Kotak Cashback+ Prime ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹750/yr
138 ICICI Bank Parakram Select ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
139 IndianOil RBL Bank Credit Card ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
140 IRCTC RBL Bank Credit Card ₹26,700 0.45% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
141 ICICI Bank Platinum Chip Credit Card ₹26,700 0.45% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
142 IDFC FIRST WOW! ₹26,000 0.43% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
143 Paytm HDFC Bank Select ₹26,000 0.43% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
144 EazyDiner IndusInd Platinum ₹25,600 0.43% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
145 Axis Bank Shoppers Stop Credit Card ₹25,200 0.42% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
146 IndianOil HDFC Bank Credit Card ₹25,000 0.42% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
147 Edge CSB Bank RuPay Credit Card ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
148 CASHBACK SBI Card ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
149 Kotak Zen Signature ₹23,200 0.39% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr
150 RBL Platinum Maxima Plus ₹21,800 0.36% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr
151 IDBI Bank Aspire Platinum ₹20,600 0.34% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
152 IndianOil Kotak Credit Card ₹20,300 0.34% net of fee at ₹5L/mo, the everyday mix · ₹449/yr
153 IDFC FIRST HPCL Power+ ₹20,000 0.33% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
154 IDFC FIRST HPCL Power ₹20,000 0.33% net of fee at ₹5L/mo, the everyday mix · ₹199/yr
155 RBL Platinum Maxima ₹19,800 0.33% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr
156 IDFC FIRST Wealth ₹19,700 0.33% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
157 IDFC FIRST Select ₹19,700 0.33% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
158 IDFC FIRST Millennia ₹19,700 0.33% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
159 IDFC FIRST Classic ₹19,700 0.33% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
160 EazyDiner IndusInd Signature ₹19,600 0.33% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr
161 PNB VISA Platinum ₹19,500 0.32% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
162 BOBCARD Premier ₹19,200 0.32% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
163 Suryoday SFB RuPay Platinum ₹19,200 0.32% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹150/yr
164 Suryoday SFB RuPay Select ₹19,200 0.32% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹150/yr
165 Fibe Axis Bank Credit Card ₹18,000 0.30% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
166 IDFC FIRST Hello Cashback ₹18,000 0.30% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
167 CUB CSK RuPay Platinum ₹16,600 0.28% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
168 CUB SRH RuPay Platinum ₹16,600 0.28% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
169 BPCL SBI Card OCTANE ₹16,400 0.27% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr
170 RBL Movies and More ₹16,400 0.27% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
171 RBL Cookies ₹16,100 0.27% net of fee at ₹5L/mo, the everyday mix · ₹1,200/yr
172 HDFC Bank Millennia ₹16,000 0.27% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
173 BPCL SBI Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
174 Kotak811 Dream Different ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹424 joining (one-time)
175 YES Bank FinBooster ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
176 YES FinBooster RuPay ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
177 YES Bank anQ Pi ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
178 AU Tejas Credit Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
179 PNB VISA Classic ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
180 YES BANK RuPay Virtual ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
181 Aditya Birla Capital AU Flex ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
182 Aditya Birla Capital AU Nxt ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
183 PNB VISA Gold ₹14,700 0.24% net of fee at ₹5L/mo, the everyday mix · ₹300/yr
184 Federal Bank Celesta ₹14,100 0.24% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
185 SimplyCLICK SBI Card ₹14,100 0.24% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
186 HDFC Bank MoneyBack+ ₹14,100 0.24% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
187 Reliance SBI Card ₹14,100 0.24% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
188 IRCTC HDFC Bank Credit Card ₹14,000 0.23% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
189 ICICI Bank Parakram ₹13,500 0.22% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
190 HPCL ENERGIE BOBCARD ₹13,000 0.22% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
191 RBL Platinum Choice ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
192 RBL Binge ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
193 RBL Shoprite ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
194 RBL Patanjali Vishisht ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
195 RBL BankBazaar SaveMax ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
196 AU Altura Plus Credit Card ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
197 RBL Platinum Advantage ₹12,100 0.20% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
198 Swiggy Ornge HDFC Bank Credit Card ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
199 Swiggy BLCK HDFC Bank Credit Card ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
200 YES Bank POP-CLUB ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹399/yr
201 IndianOil Easy Axis Bank ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
202 BOBCARD Easy (FD Backed) ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
203 BOBCARD Select (FD Backed) ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
204 Federal Bank Imperio ₹11,300 0.19% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
205 AU LIT Credit Card ₹11,100 0.18% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
206 RBL Bank SalarySe UP ₹10,100 0.17% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
207 Standard Chartered Platinum Rewards ₹9,800 0.16% net of fee at ₹5L/mo, the everyday mix · ₹250/yr
208 SimplySAVE SBI Card ₹9,400 0.16% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
209 Standard Chartered Super Value Titanium ₹9,100 0.15% net of fee at ₹5L/mo, the everyday mix · ₹750/yr
210 Equitas Tiga ₹9,000 0.15% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
211 Federal RuPay Wave Credit Card ₹8,500 0.14% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
212 RBL Apex ₹8,000 0.13% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
213 Federal Bank Signet ₹7,500 0.13% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
214 Paytm HDFC Bank Digital ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹149/yr
215 Paytm HDFC Bank Mobile ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹149/yr
216 RBL Paisabazaar Duet ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
217 Swiggy HDFC Bank Credit Card ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹500/yr
218 AU Zaggle Credit Card ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
219 IDFC FIRST Quantum+ ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
220 Standard Chartered Smart ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
221 Dhanlaxmi Bank RuPay Dhan Samriddhi ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹800/yr
222 Dhanlaxmi Bank RuPay Dhan Vriddhi ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹400/yr
223 AU SPONT Credit Card ₹5,700 0.10% net of fee at ₹5L/mo, the everyday mix · ₹299/yr
224 DCB PayLess Select Credit Card ₹4,000 0.07% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,000/yr
225 RBL Bank DMI Finance ₹3,700 0.06% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
226 RBL Bank Shoppers Stop Gold ₹3,500 0.06% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
227 HSBC RuPay Cashback ₹3,300 0.06% net of fee at ₹5L/mo, the everyday mix · ₹499/yr
228 PVR INOX Kotak ₹3,100 0.05% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr
229 RBL World Safari Lite ₹2,800 0.05% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr
230 Shoppers Stop HDFC Bank ₹2,700 0.05% net of fee at ₹5L/mo, the everyday mix · ₹299/yr
231 IndusInd Samman RuPay ₹2,400 0.04% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹199/yr
232 Utkarsh Wish Credit Card ₹2,400 0.04% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
233 RBL Bank Shoppers Stop Platinum ₹2,000 0.03% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr
234 BOBCARD Swavlamban ₹1,900 0.03% net of fee at ₹5L/mo, the everyday mix · ₹250/yr
235 HDFC Bank UPI RuPay Mega Saver ₹1,500 0.03% net of fee at ₹5L/mo, the everyday mix · ₹99/yr
236 AU Altura Credit Card ₹1,200 0.02% net of fee at ₹5L/mo, the everyday mix · ₹199/yr
237 AU InstaPay RuPay Credit Card ₹1,200 0.02% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
238 HDFC Bank UPI RuPay ₹1,100 0.02% net of fee at ₹5L/mo, the everyday mix · ₹99/yr
239 IndusInd ePay Amex ₹1,100 0.02% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free
240 DCB PayLess Platinum Credit Card ₹1,000 0.02% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹350/yr
241 PhonePe HDFC Bank Ultimo ₹0 0.00% net of fee at ₹5L/mo, the everyday mix · ₹999/yr
242 DBS Vantage ₹1,32,800 2.21% net of fee at ₹5L/mo, the everyday mix · ₹20,000/yr · the desk's own verdict is downgrade
243 Unity Bank BharatPe Credit Card ₹1,20,000 2.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · the desk's own verdict is downgrade
244 SpiceJet Axis Bank Voyage Black ₹88,600 1.48% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr · the desk's own verdict is downgrade
245 YES Bank RESERV ₹80,100 1.33% net of fee at ₹5L/mo, the everyday mix · ₹2,499/yr · the desk's own verdict is downgrade
246 Adani One ICICI Bank Signature ₹78,600 1.31% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · the desk's own verdict is downgrade
247 Emirates Skywards ICICI Bank Sapphiro ₹67,500 1.13% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · the desk's own verdict is downgrade
248 Samsung Axis Bank Signature ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
249 Union Bank VISA Signature ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,999/yr · the desk's own verdict is downgrade
250 IndiGo SBI Card ELITE ₹59,900 1.00% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · the desk's own verdict is downgrade
251 IndiGo Axis Bank Premium Credit Card ₹57,900 0.97% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · the desk's own verdict is downgrade
252 YES Bank BYOC (Rewards) ₹55,800 0.93% net of fee at ₹5L/mo, the everyday mix · ₹588/yr · the desk's own verdict is downgrade
253 Adani One ICICI Bank Platinum ₹53,400 0.89% net of fee at ₹5L/mo, the everyday mix · ₹750/yr · the desk's own verdict is downgrade
254 Axis Bank Privilege ₹52,400 0.87% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr · the desk's own verdict is downgrade
255 ICICI Bank Emeralde ₹51,900 0.86% net of fee at ₹5L/mo, the everyday mix · ₹12,000/yr · the desk's own verdict is downgrade
256 Flipkart Axis Bank Credit Card ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
257 SpiceJet Axis Bank Voyage ₹44,600 0.74% net of fee at ₹5L/mo, the everyday mix · ₹750/yr · the desk's own verdict is downgrade
258 YES Prosperity Cashback+ ₹43,500 0.73% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is cancel
259 AU Zenith ₹42,300 0.70% net of fee at ₹5L/mo, the everyday mix · ₹7,999/yr · the desk's own verdict is cancel
260 YES Bank ELITE+ ₹40,800 0.68% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · the desk's own verdict is downgrade
261 YES Bank Wellness Plus ₹40,800 0.68% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
262 Equitas Selfe Secured ₹40,000 0.67% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr · the desk's own verdict is downgrade
263 ICICI Bank Expressions ₹39,300 0.66% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
264 AU Ananta ₹39,200 0.65% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr · the desk's own verdict is cancel
265 Reliance SBI Card PRIME ₹37,000 0.62% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · the desk's own verdict is downgrade
266 Axis Bank Platinum ₹36,000 0.60% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹200/yr · the desk's own verdict is downgrade
267 RBL Icon ₹34,500 0.57% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · the desk's own verdict is downgrade
268 Union Bank NEXTERIA ₹33,800 0.56% net of fee at ₹5L/mo, the everyday mix · ₹12,499/yr · the desk's own verdict is downgrade
269 Apollo SBI Card SELECT ₹33,400 0.56% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
270 Titan SBI Card ₹33,000 0.55% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · the desk's own verdict is downgrade
271 IndusInd Bank Nexxt Credit Card ₹32,000 0.53% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹10,000 joining (one-time) · the desk's own verdict is downgrade
272 ICICI Sapphiro ₹31,700 0.53% net of fee at ₹5L/mo, the everyday mix · ₹6,500 joining, then ₹3,500/yr · the desk's own verdict is downgrade
273 ICICI Bank Rubyx ₹30,500 0.51% net of fee at ₹5L/mo, the everyday mix · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade
274 ICICI Bank Rubyx against FD ₹30,500 0.51% net of fee at ₹5L/mo, the everyday mix · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade
275 SBI Card MILES ₹30,200 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
276 Landmark Rewards SBI Card PRIME ₹30,200 0.50% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · the desk's own verdict is downgrade
277 CUB CSK Master Platinum ₹30,200 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,000/yr · the desk's own verdict is downgrade
278 CUB SRH Master Platinum ₹30,200 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,000/yr · the desk's own verdict is downgrade
279 Union Bank DIVAA ICON ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
280 Union Bank RuPay Platinum ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹350/yr · the desk's own verdict is downgrade
281 Union Bank VISA Platinum ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹450/yr · the desk's own verdict is downgrade
282 SBI Card PULSE ₹29,700 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
283 Landmark Rewards SBI Card SELECT ₹29,700 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
284 YES Bank Wellness ₹29,500 0.49% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
285 AU Vetta ₹29,200 0.49% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · the desk's own verdict is cancel
286 ICICI Bank Coral ₹29,200 0.49% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
287 ICICI Bank Coral against FD ₹29,200 0.49% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
288 RBL Platinum Edge ₹29,000 0.48% net of fee at ₹5L/mo, the everyday mix · ₹1,999/yr · the desk's own verdict is downgrade
289 YES Prosperity Cashback ₹29,000 0.48% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · the desk's own verdict is cancel
290 IndiGo SBI Card ₹28,700 0.48% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
291 IndiGo Kotak Credit Card ₹28,700 0.48% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr · the desk's own verdict is downgrade
292 YES Bank ACE ₹28,500 0.47% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
293 YES Essence ₹28,200 0.47% net of fee at ₹5L/mo, the everyday mix · ₹799/yr · the desk's own verdict is downgrade
294 Standard Chartered EaseMyTrip ₹28,200 0.47% net of fee at ₹5L/mo, the everyday mix · ₹350/yr · the desk's own verdict is downgrade
295 ICICI Bank HPCL Super Saver ₹28,200 0.47% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
296 IRCTC BOBCARD ₹27,900 0.46% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹350/yr · the desk's own verdict is downgrade
297 YES Bank SELECT ₹26,700 0.45% net of fee at ₹5L/mo, the everyday mix · ₹599/yr · the desk's own verdict is downgrade
298 ICICI Bank NRI Coral ₹26,700 0.45% net of fee at ₹5L/mo, the everyday mix · ₹1,000 joining, then ₹500/yr · the desk's own verdict is downgrade
299 ICICI Bank NRI Sapphiro ₹26,700 0.45% net of fee at ₹5L/mo, the everyday mix · ₹6,500 joining, then ₹3,500/yr · the desk's own verdict is downgrade
300 IndiGo Axis Bank Credit Card ₹26,200 0.44% net of fee at ₹5L/mo, the everyday mix · ₹799/yr · the desk's own verdict is downgrade
301 AU Zenith+ ₹24,600 0.41% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · the desk's own verdict is cancel
302 RBL Platinum Max ₹24,200 0.40% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · the desk's own verdict is downgrade
303 RBL Platinum Prime ₹24,200 0.40% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · the desk's own verdict is downgrade
304 Axis Bank My Wings ₹23,500 0.39% net of fee at ₹5L/mo, the everyday mix · ₹1,200 joining, then ₹500/yr · the desk's own verdict is cancel
305 Axis Bank My Zone Easy ₹23,500 0.39% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
306 IDBI Bank Imperium Platinum ₹20,600 0.34% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · the desk's own verdict is downgrade
307 Axis Bank Pride Platinum ₹20,200 0.34% net of fee at ₹5L/mo, the everyday mix · ₹250/yr · the desk's own verdict is downgrade
308 RBL Platinum ShopGain ₹20,100 0.34% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
309 Axis Bank My Zone ₹19,900 0.33% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
310 Kotak UPI RuPay ₹16,900 0.28% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · the desk's own verdict is downgrade
311 Kotak League Platinum ₹16,600 0.28% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
312 Kotak 811 Credit Card ₹16,200 0.27% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
313 RBL Bank Blockbuster ₹15,900 0.26% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr · the desk's own verdict is downgrade
314 Landmark Rewards SBI Card ₹15,600 0.26% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
315 Bandhan Bank Sparks Credit Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · the desk's own verdict is downgrade
316 Union Bank VISA Gold ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹350/yr · the desk's own verdict is cancel
317 Axis Bank REWARDS ₹14,200 0.24% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · the desk's own verdict is downgrade
318 TVS Credit RBL Bank ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
319 RBL Platinum Plus ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · the desk's own verdict is downgrade
320 Paisabazaar Step-Up SBM Credit Card ₹12,600 0.21% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹500 joining (one-time) · the desk's own verdict is downgrade
321 Paytm HDFC Bank ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
322 BOBCARD Select ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹750/yr · the desk's own verdict is downgrade
323 BOBCARD Easy ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
324 IDFC FIRST SWYP ₹11,500 0.19% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
325 IndusInd Platinum Aura Edge ₹11,300 0.19% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · the desk's own verdict is downgrade
326 Axis Bank Kwik ₹11,300 0.19% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · the desk's own verdict is downgrade
327 RBL Bank Patanjali Swarn ₹11,100 0.19% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
328 YES Bank BYOC (Cashback) ₹10,800 0.18% net of fee at ₹5L/mo, the everyday mix · ₹1,188/yr · the desk's own verdict is downgrade
329 IndianOil Axis Bank Credit Card ₹10,200 0.17% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
330 Axis Bank Titanium Smart Traveller ₹10,100 0.17% net of fee at ₹5L/mo, the everyday mix · ₹250 joining, then ₹100/yr · the desk's own verdict is downgrade
331 RBL Platinum Delight ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · the desk's own verdict is downgrade
332 IDFC FIRST EA₹N ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
333 YES BANK EMI ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is cancel
334 Axis Bank NEO ₹4,800 0.08% net of fee at ₹5L/mo, the everyday mix · ₹250/yr · the desk's own verdict is downgrade
335 HDFC Bank Freedom ₹4,200 0.07% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · the desk's own verdict is downgrade
336 RBL Paisabazaar Duet Plus ₹3,600 0.06% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · the desk's own verdict is downgrade
337 RBL EasySaver ₹3,000 0.05% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is cancel
338 RBL MyFirst ₹2,500 0.04% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · the desk's own verdict is cancel
339 RBL Platinum LifeEasy ₹1,000 0.02% net of fee at ₹5L/mo, the everyday mix · ₹1,999/yr · the desk's own verdict is downgrade
340 PhonePe HDFC Bank Uno ₹0 0.00% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · the desk's own verdict is downgrade
341 RBL Bank Shoppers Stop Black ₹0 0.00% net of fee at ₹5L/mo, the everyday mix · ₹10,000/yr · the desk's own verdict is downgrade
342 IDFC FIRST Private ₹3,15,000 5.25% net of fee at ₹5L/mo, the everyday mix · ₹50,000 joining, then ₹25,000/yr · invite-only — not on open application
343 Air India SBI Signature Card ₹2,59,500 4.32% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · closed to new applicants
344 British Airways ICICI Bank Premium ₹2,33,000 3.88% net of fee at ₹5L/mo, the everyday mix · ₹7,000/yr · closed to new applicants
345 Axis Atlas ₹2,26,600 3.78% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · closed to new applicants
346 HDFC Bank Diners Club Black (non-metal) ₹2,03,800 3.40% net of fee at ₹5L/mo, the everyday mix · ₹10,000/yr · closed to new applicants
347 Axis Burgundy Private ₹2,02,400 3.37% net of fee at ₹5L/mo, the everyday mix · ₹1,00,000/yr · invite-only — not on open application
348 Axis Olympus ₹2,01,600 3.36% net of fee at ₹5L/mo, the everyday mix · ₹20,000/yr · invite-only — not on open application
349 HDFC Infinia Metal ₹1,87,800 3.13% net of fee at ₹5L/mo, the everyday mix · ₹12,500/yr · invite-only — not on open application
350 IDFC FIRST Gaj ₹1,72,000 2.87% net of fee at ₹5L/mo, the everyday mix · ₹12,500/yr · invite-only — not on open application
351 YES Private ₹1,50,000 2.50% net of fee at ₹5L/mo, the everyday mix · ₹50,000 joining, then ₹10,000/yr · invite-only — not on open application
352 YES Private Prime ₹1,50,000 2.50% net of fee at ₹5L/mo, the everyday mix · ₹20,000 joining, then ₹10,000/yr · invite-only — not on open application
353 Diners Club International British Airways ₹1,47,000 2.45% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹3,000/yr · closed to new applicants
354 Standard Chartered Beyond ₹1,30,900 2.18% net of fee at ₹5L/mo, the everyday mix · ₹15,000 joining, then ₹25,000/yr · invite-only — not on open application
355 ABN AMRO Smart Miles Titanium ₹1,30,000 2.17% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr · closed to new applicants
356 Kotak Infinite ₹1,29,600 2.16% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
357 Axis Bank Vistara Infinite Credit Card ₹1,29,600 2.16% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
358 ICICI Emeralde Private Metal ₹1,27,200 2.12% net of fee at ₹5L/mo, the everyday mix · ₹12,499/yr · invite-only — not on open application
359 Etihad Guest SBI Premier Card ₹1,26,000 2.10% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · closed to new applicants
360 IndusInd PIONEER Private ₹1,24,300 2.07% net of fee at ₹5L/mo, the everyday mix · ₹25,000/yr · invite-only — not on open application
361 Standard Chartered Priority Visa Infinite ₹1,20,000 2.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
362 HDFC Bank Diners Club Miles ₹1,20,000 2.00% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
363 Hutch Citibank Credit Card ₹1,20,000 2.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
364 Bajaj Finserv DBS 10X Signature SuperCard ₹1,17,000 1.95% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · closed to new applicants
365 British Airways ICICI Bank Classic ₹1,16,500 1.94% net of fee at ₹5L/mo, the everyday mix · ₹3,500/yr · closed to new applicants
366 Bajaj Finserv DBS 10X Plus SuperCard ₹1,15,000 1.92% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · closed to new applicants
367 DBS Altitude ₹1,07,800 1.80% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · invite-only — not on open application
368 Club Vistara SBI Card PRIME ₹1,06,000 1.77% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹2,999 joining (one-time) · closed to new applicants
369 Standard Chartered Emirates World ₹1,05,000 1.75% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr · closed to new applicants
370 Scapia (BOBCARD) ₹1,00,800 1.68% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
371 Club Vistara IDFC FIRST ₹1,00,600 1.68% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · closed to new applicants
372 Air India SBI Platinum Card ₹92,700 1.55% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · closed to new applicants
373 Axis Bank Vistara Signature Credit Card ₹86,400 1.44% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
374 Deutsche Bank Miles & More Signature ₹85,500 1.43% net of fee at ₹5L/mo, the everyday mix · ₹7,500 joining, then ₹4,500/yr · closed to new applicants
375 IndusInd Bank Miles & More Signature ₹85,500 1.43% net of fee at ₹5L/mo, the everyday mix · ₹7,500 joining, then ₹4,500/yr · closed to new applicants
376 Bajaj Finserv DBS 7X SuperCard ₹82,500 1.38% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · closed to new applicants
377 Bajaj Finserv DBS 7X Plus SuperCard ₹82,000 1.37% net of fee at ₹5L/mo, the everyday mix · ₹1,999/yr · closed to new applicants
378 Pine Labs HDFC Bank Pro ₹80,000 1.33% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
379 HSBC Advance Platinum ₹80,000 1.33% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
380 RBL Insignia Preferred Banking World Card ₹78,500 1.31% net of fee at ₹5L/mo, the everyday mix · ₹7,000/yr · invite-only — not on open application
381 Club Vistara SBI Card ₹77,000 1.28% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹1,499 joining (one-time) · closed to new applicants
382 RBL India Startup Club World ₹76,300 1.27% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · closed to new applicants
383 Axis Bank PRIMUS ₹75,000 1.25% net of fee at ₹5L/mo, the everyday mix · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application
384 Dhi CUB Visa Signature ₹75,000 1.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
385 RBL iGlobe ₹72,500 1.21% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr · invite-only — not on open application
386 PNB LUXURA Metal (RuPay) ₹72,500 1.21% net of fee at ₹5L/mo, the everyday mix · ₹9,000 joining, then ₹7,500/yr · availability not published
387 PNB LUXURA Metal (Visa Infinite) ₹72,500 1.21% net of fee at ₹5L/mo, the everyday mix · ₹4,999 joining, then ₹1,999/yr · availability not published
388 Myntra Kotak ₹72,500 1.21% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
389 Amex Platinum Travel ₹70,400 1.17% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · issuance paused
390 Etihad Guest SBI Card ₹65,000 1.08% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · closed to new applicants
391 HDFC Regalia ₹63,900 1.06% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr · closed to new applicants
392 HDFC Regalia Activ ₹63,900 1.06% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr · closed to new applicants
393 Utkarsh Eternal Credit Card ₹63,000 1.05% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,999/yr · invite-only — not on open application
394 Utkarsh Rhodium Credit Card ₹63,000 1.05% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹4,999/yr · invite-only — not on open application
395 HDFC Bank Superia ₹63,000 1.05% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
396 RBL Lumière ₹62,800 1.05% net of fee at ₹5L/mo, the everyday mix · ₹50,000/yr · invite-only — not on open application
397 AU Xcite Ultra Credit Card ₹62,800 1.05% net of fee at ₹5L/mo, the everyday mix · ₹749/yr · invite-only — not on open application
398 Amex Membership Rewards Card ₹62,400 1.04% net of fee at ₹5L/mo, the everyday mix · ₹1,000 joining, then ₹4,500/yr · issuance paused
399 Amex Platinum Reserve ₹62,400 1.04% net of fee at ₹5L/mo, the everyday mix · ₹10,000/yr · issuance paused
400 Paytm SBI Card SELECT ₹62,400 1.04% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · availability not published
401 RBL Edition Black ₹62,000 1.03% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · closed to new applicants
402 Amex SmartEarn ₹61,500 1.03% net of fee at ₹5L/mo, the everyday mix · ₹495/yr · issuance paused
403 IB-VISA-Gold ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · availability not published
404 IB-VISA-Platinum ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · availability not published
405 IB-RuPay-Platinum ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · availability not published
406 IB-RuPay-Select ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · availability not published
407 Samsung Axis Bank Infinite ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · closed to new applicants
408 HDFC Bank Diners Club Premium ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr · closed to new applicants
409 HSBC Smart Value ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
410 Maruti Suzuki AutoCard ₹60,000 1.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
411 Standard Chartered Landmark Rewards Platinum ₹59,800 1.00% net of fee at ₹5L/mo, the everyday mix · ₹250/yr · closed to new applicants
412 IndusInd Iconia Amex ₹59,600 0.99% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants
413 CRED IndusInd Bank RuPay Credit Card ₹59,500 0.99% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · invite-only — not on open application
414 Bajaj Finserv DBS 5X SuperCard ₹59,500 0.99% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
415 HDFC Bank Idea International Silver ₹59,300 0.99% net of fee at ₹5L/mo, the everyday mix · ₹300 joining, then ₹700/yr · closed to new applicants
416 InterMiles HDFC Bank Diners Club ₹59,000 0.98% net of fee at ₹5L/mo, the everyday mix · ₹5,000/yr · closed to new applicants
417 Bajaj Finserv DBS 5X Plus SuperCard ₹59,000 0.98% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · closed to new applicants
418 Deutsche Bank Miles & More Platinum ₹58,000 0.97% net of fee at ₹5L/mo, the everyday mix · ₹3,000 joining, then ₹2,000/yr · closed to new applicants
419 IndusInd Bank Miles & More Platinum ₹58,000 0.97% net of fee at ₹5L/mo, the everyday mix · ₹3,000 joining, then ₹2,000/yr · closed to new applicants
420 BOB Financial Paytm Credit Card ₹58,000 0.97% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr · closed to new applicants
421 Amex Gold Charge ₹57,900 0.97% net of fee at ₹5L/mo, the everyday mix · ₹1,000 joining, then ₹4,500/yr · issuance paused
422 Axis Bank Freecharge Plus ₹56,400 0.94% net of fee at ₹5L/mo, the everyday mix · ₹350/yr · invite-only — not on open application
423 Paytm SBI Card ₹55,900 0.93% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · availability not published
424 Jet Airways Amex Platinum ₹54,000 0.90% net of fee at ₹5L/mo, the everyday mix · ₹5,000 joining, then ₹10,000/yr · closed to new applicants
425 PNB Premium Metal LUXURA ₹52,000 0.87% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,999/yr · availability not published
426 RBL Bank Practo Plus Credit Card ₹52,000 0.87% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹2,000/yr · closed to new applicants
427 Amazon Pay ICICI Bank ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
428 Utkarsh SmartGen Credit Card ₹50,400 0.84% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹199/yr · invite-only — not on open application
429 PNB Zaggle Twin ₹50,000 0.83% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · availability not published
430 Yatra Barclaycard Platinum ₹48,000 0.80% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
431 Barclaycard Gold ₹48,000 0.80% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
432 Barclays Premier League Barclaycard ₹48,000 0.80% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
433 Times Card from Barclaycard and TimesofMoney ₹48,000 0.80% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
434 SBI Maruti Card ₹48,000 0.80% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
435 SBI Railway Card ₹47,700 0.80% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹300/yr · closed to new applicants
436 IndusInd Pioneer Legacy ₹46,900 0.78% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹50,000 joining (one-time) · invite-only — not on open application
437 InterMiles HDFC Bank Signature ₹45,500 0.76% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr · closed to new applicants
438 Jet Airways Citibank Platinum ₹45,500 0.76% net of fee at ₹5L/mo, the everyday mix · ₹2,000 joining, then ₹2,500/yr · closed to new applicants
439 IndusInd Pioneer Heritage ₹45,100 0.75% net of fee at ₹5L/mo, the everyday mix · ₹1,00,000 joining, then ₹25,000/yr · invite-only — not on open application
440 Flipkart Axis Bank Super Elite ₹45,100 0.75% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · issuance paused
441 Varunah Premium BOBCARD ₹45,000 0.75% net of fee at ₹5L/mo, the everyday mix · ₹2,499/yr · invite-only — not on open application
442 AU Xcite Credit Card ₹45,000 0.75% net of fee at ₹5L/mo, the everyday mix · ₹249/yr · invite-only — not on open application
443 HSBC Spencer's Retail Classic ₹44,800 0.75% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · closed to new applicants
444 YES First Preferred ₹44,400 0.74% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · closed to new applicants
445 Emirates Skywards ICICI Bank Rubyx ₹44,400 0.74% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
446 Axis Bank Vistara Credit Card ₹43,200 0.72% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
447 SBI Card ELITE Advantage ₹42,500 0.71% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · closed to new applicants
448 SBI Advantage Signature Card ₹42,500 0.71% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · closed to new applicants
449 Standard Chartered Bajaj Finserv World ₹42,000 0.70% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · closed to new applicants
450 Delhi Metro Citibank ₹42,000 0.70% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
451 SBI Card PRIME Advantage ₹41,000 0.68% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · closed to new applicants
452 MakeMyTrip ICICI Bank Signature ₹40,400 0.67% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹2,500 joining (one-time) · closed to new applicants
453 First Citizen Citibank Platinum Credit Card ₹38,500 0.64% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr · closed to new applicants
454 Taj Epicure Diners Club ₹38,200 0.64% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr · closed to new applicants
455 SBI Signature Card ₹37,500 0.63% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · closed to new applicants
456 SBI Platinum Card (2007) ₹37,500 0.63% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
457 Shaurya Select SBI Card ₹37,200 0.62% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,499/yr · availability not published
458 Amex Platinum Charge ₹36,500 0.61% net of fee at ₹5L/mo, the everyday mix · ₹66,000/yr · issuance paused
459 Best Price Save Smart HDFC Bank ₹36,000 0.60% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
460 KVB SBI Signature Card ₹35,700 0.60% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · availability not published
461 Kotak Privy League Signature ₹35,700 0.60% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr · closed to new applicants
462 Amex PAYBACK Credit Card ₹35,500 0.59% net of fee at ₹5L/mo, the everyday mix · ₹750 joining, then ₹1,500/yr · closed to new applicants
463 Amex MakeMyTrip Credit Card ₹35,500 0.59% net of fee at ₹5L/mo, the everyday mix · ₹750 joining, then ₹1,500/yr · closed to new applicants
464 PNB Parakram ₹33,800 0.56% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
465 IndusInd Iconia Visa ₹33,600 0.56% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants
466 Citibank Rewards Domestic Credit Card ₹33,600 0.56% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
467 Citibank Platinum Credit Card ₹32,600 0.54% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
468 IndusInd PAYBACK Credit Card ₹32,500 0.54% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹249 joining (one-time) · closed to new applicants
469 IndusInd Indulge ₹31,900 0.53% net of fee at ₹5L/mo, the everyday mix · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application
470 KVB SBI Platinum Card ₹31,200 0.52% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · availability not published
471 South Indian Bank SBI Platinum Card ₹31,200 0.52% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · availability not published
472 InterMiles HDFC Bank Platinum ₹31,000 0.52% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
473 RBL IGU NHS Golf World Card ₹31,000 0.52% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
474 RBL World Plus ₹30,200 0.50% net of fee at ₹5L/mo, the everyday mix · ₹4,999/yr · availability not published
475 Indus Solitaire ₹30,100 0.50% net of fee at ₹5L/mo, the everyday mix · ₹30,000 joining, then ₹10,000/yr · invite-only — not on open application
476 RBL BankBazaar SaveMax Pro ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · invite-only — not on open application
477 Varunah Plus BOBCARD ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · invite-only — not on open application
478 Indian Army YODDHA BOBCARD ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
479 Assam Rifles SENTINEL BOBCARD ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
480 Coast Guard RAKSHAMAH BOBCARD ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
481 UJJIVAN SFB Elite BOBCARD ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
482 Canara Bank Select / World / Signature ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
483 Canara Bank Platinum ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
484 PNB Visa Signature ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,500 joining, then ₹2,000/yr · availability not published
485 Canara Bank Classic / Standard ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
486 Canara Bank Gold ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
487 YES Bank anQ Phi ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · closed to new applicants
488 Standard Chartered Bandhan Plus ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹699/yr · closed to new applicants
489 Standard Chartered Bandhan Xclusive ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · closed to new applicants
490 IndianOil Citibank Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
491 Andhra Bank VISA Platinum Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,000/yr · closed to new applicants
492 Andhra Bank VISA Gold Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹1,000/yr · closed to new applicants
493 Andhra Bank VISA Classic Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹550/yr · closed to new applicants
494 Andhra Bank MasterCard Credit Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹550/yr · closed to new applicants
495 Easyday Kotak Titanium Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · closed to new applicants
496 Easyday Kotak Silver Card ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
497 ICICI Unifare Bangalore Metro ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹299/yr · closed to new applicants
498 ICICI Unifare Mumbai Metro ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹299/yr · closed to new applicants
499 SBI Platinum Card (2010) ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr · closed to new applicants
500 BOBCARD Select Platinum ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
501 BOBCARD Signature ₹30,000 0.50% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
502 Citi Titanium Cash Rewards Credit Card ₹29,500 0.49% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹500/yr · closed to new applicants
503 PhonePe SBI Card SELECT BLACK ₹29,000 0.48% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · availability not published
504 Standard Chartered Bajaj Finserv Platinum ₹29,000 0.48% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹999/yr · closed to new applicants
505 RBL India Startup Club Platinum ₹29,000 0.48% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
506 RBL Platinum Cricket ₹29,000 0.48% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
507 Citibank Gold Credit Card ₹28,000 0.47% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
508 Citibank Woman's Credit Card ₹28,000 0.47% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
509 MTV Citibank Credit Card ₹28,000 0.47% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
510 Reliance Gold Credit Card ₹28,000 0.47% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
511 Reliance Silver Credit Card ₹28,000 0.47% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
512 RBL World Prime ₹27,200 0.45% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · availability not published
513 HDFC Bank Regalia First ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · issuance paused
514 HDFC Bank Diners Club Rewardz ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
515 Federal Bank SBI Platinum Card ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · closed to new applicants
516 SBI Platinum Card ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · closed to new applicants
517 SBI Advantage Platinum Card ₹27,000 0.45% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · closed to new applicants
518 RBL World Max ₹26,700 0.45% net of fee at ₹5L/mo, the everyday mix · ₹2,999/yr · availability not published
519 Chennai Super Kings ICICI Bank ₹26,700 0.45% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
520 RBL World Safari Plus ₹26,600 0.44% net of fee at ₹5L/mo, the everyday mix · ₹6,000/yr · invite-only — not on open application
521 Poonawalla Fincorp IndusInd eLITE RuPay ₹26,400 0.44% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
522 Kotak Royale Signature ₹26,300 0.44% net of fee at ₹5L/mo, the everyday mix · ₹1,499 joining, then ₹999/yr · closed to new applicants
523 RBL Bank Black ₹26,200 0.44% net of fee at ₹5L/mo, the everyday mix · ₹3,000/yr · closed to new applicants
524 Kotak Essentia Platinum ₹25,700 0.43% net of fee at ₹5L/mo, the everyday mix · ₹1,499 joining, then ₹749/yr · closed to new applicants
525 Apollo SBI Card ₹25,400 0.42% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · availability not published
526 BOBCARD Prime ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
527 IOB SalarySe Rise UP ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹299 joining (one-time) · availability not published
528 Best Price Save Max HDFC Bank ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
529 Edge Federal Bank Visa Credit Card ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹999/yr · closed to new applicants
530 Standard Chartered Platinum Elite ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹4,995 joining, then ₹6,000/yr · closed to new applicants
531 Jet Airways Citibank Titanium ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
532 Jet Airways Citibank Silver ₹24,000 0.40% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
533 SBI Apna Bazaar Card ₹23,300 0.39% net of fee at ₹5L/mo, the everyday mix · ₹250 joining, then ₹750/yr · closed to new applicants
534 InterMiles ICICI Bank Coral Credit Card ₹22,800 0.38% net of fee at ₹5L/mo, the everyday mix · ₹1,250/yr · closed to new applicants
535 Kotak Veer Select ₹22,500 0.38% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹599/yr · closed to new applicants
536 Kotak Solaris Platinum ₹22,500 0.37% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
537 RBL Signature Banking ₹21,500 0.36% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr · invite-only — not on open application
538 HDFC Harley-Davidson Diners Club ₹21,000 0.35% net of fee at ₹5L/mo, the everyday mix · ₹2,500/yr · closed to new applicants
539 Citibank Silver Credit Card ₹21,000 0.35% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
540 CRY Citibank Credit Card ₹21,000 0.35% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
541 WWF Citibank Credit Card ₹21,000 0.35% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
542 PNB SALARY RuPay Select ₹20,000 0.33% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
543 PNB RuPay Millennial ₹20,000 0.33% net of fee at ₹5L/mo, the everyday mix · ₹399 joining, then ₹999/yr · availability not published
544 Doctor's SBI Card ₹20,000 0.33% net of fee at ₹5L/mo, the everyday mix · ₹1,499/yr · availability not published
545 Pine Labs HDFC Bank ₹20,000 0.33% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
546 SBI Gold & More Card ₹20,000 0.33% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
547 Kotak Urbane Gold ₹19,600 0.33% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹199/yr · closed to new applicants
548 PNB Patanjali RuPay Select ₹19,200 0.32% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹750/yr · availability not published
549 PNB RuPay Select ₹19,200 0.32% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹750/yr · availability not published
550 ICAI Exclusive BOBCARD ₹19,000 0.32% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
551 ICSI Diamond BOBCARD ₹19,000 0.32% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
552 CMA One BOBCARD ₹19,000 0.32% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹1 joining (one-time) · invite-only — not on open application
553 SBI UBI Gold Card ₹18,500 0.31% net of fee at ₹5L/mo, the everyday mix · ₹300 joining, then ₹1,500/yr · closed to new applicants
554 Google Pay Flex SBI Card ₹18,000 0.30% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · availability not published
555 RBL Monthly Treats ₹18,000 0.30% net of fee at ₹5L/mo, the everyday mix · ₹1,200/yr · closed to new applicants
556 HDFC Bank Solitaire ₹18,000 0.30% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
557 Bajaj Finserv RBL Bank CA SuperCard ₹18,000 0.30% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · closed to new applicants
558 LIC Axis Bank Titanium ₹17,100 0.29% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
559 LIC Axis Bank Gold ₹17,100 0.29% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
560 RBL Titanium Delight ₹16,000 0.27% net of fee at ₹5L/mo, the everyday mix · ₹750/yr · closed to new applicants
561 RBL Bank MoneyTap ₹16,000 0.27% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
562 Bajaj Finserv RBL Bank Doctor's SuperCard ₹16,000 0.27% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · closed to new applicants
563 JetPrivilege HDFC Bank Titanium ₹15,500 0.26% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
564 ETMONEY RBL Bank LoanPass Credit Card ₹15,300 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
565 RBL Aspire Banking ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹1,500/yr · invite-only — not on open application
566 Varunah BOBCARD ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
567 BOBCARD VIKRAM ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
568 PRAGATI BOBCARD (RRB) ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · invite-only — not on open application
569 Nainital Bank RENAISSANCE ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · invite-only — not on open application
570 Nainital Bank RENAISSANCE BOBCARD ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · invite-only — not on open application
571 UJJIVAN SFB Platinum BOBCARD ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
572 PNB BLISS ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹510/yr · availability not published
573 PNB SALARY RuPay Platinum ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
574 PNB EMT RuPay Platinum ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹2,000/yr · availability not published
575 PhonePe SBI Card PURPLE ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · availability not published
576 Indian Overseas Bank RuPay Select ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹500/yr · availability not published
577 Indian Overseas Bank RuPay Platinum ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · availability not published
578 RBL Platinum Classic ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · issuance paused
579 BOBCARD ConQR ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
580 RBL Bank MoCash ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
581 HDFC Bank MoneyBack (original) ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
582 YES Prosperity Rewards ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹399/yr · closed to new applicants
583 Kotak Veer Platinum ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹299/yr · closed to new applicants
584 Chennai Metro SBI Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
585 Mumbai Metro SBI Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
586 SpiceJet SBI Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
587 SBI Silver & More Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹250/yr · closed to new applicants
588 SimplyCLICK Advantage SBI Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
589 Toyota ICICI Bank Co-Branded ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
590 ICICI Bank Gitanjali Jewellery ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
591 IndusInd Bank Gold Credit Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0/yr · ₹500 joining (one-time) · closed to new applicants
592 BOBCARD Bombay Bullion ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹1,000/yr · closed to new applicants
593 RBL Freedom SuperCard ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹999/yr · closed to new applicants
594 SBI Student Plus Advantage Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
595 SBI Doctors Card ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
596 BOBCARD Titanium ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹250 joining, then ₹500/yr · closed to new applicants
597 BOBCARD Elite Platinum ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹1,000/yr · closed to new applicants
598 BOBCARD Assure ₹15,000 0.25% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
599 IndusInd Celesta ₹14,900 0.25% net of fee at ₹5L/mo, the everyday mix · ₹25,000 joining, then ₹5,000/yr · invite-only — not on open application
600 IndusInd Crest ₹14,900 0.25% net of fee at ₹5L/mo, the everyday mix · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application
601 SyndicateBank Global Credit Card Classic ₹14,700 0.24% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹300/yr · closed to new applicants
602 PNB RuPay Platinum ₹14,500 0.24% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹500/yr · availability not published
603 PNB Patanjali RuPay Platinum ₹14,500 0.24% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹500/yr · availability not published
604 Federal Bank SBI Gold 'N More ₹14,500 0.24% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
605 ICICI Bank HPCL Gold ₹14,500 0.24% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
606 ICICI Bank HPCL Silver ₹14,500 0.24% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
607 SyndicateBank Global Credit Card Gold ₹14,500 0.24% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹500/yr · closed to new applicants
608 SBI UBI Card ₹14,300 0.24% net of fee at ₹5L/mo, the everyday mix · ₹250 joining, then ₹750/yr · closed to new applicants
609 Shaurya SBI Card ₹14,100 0.24% net of fee at ₹5L/mo, the everyday mix · ₹250/yr · availability not published
610 SBI Card Unnati ₹14,100 0.24% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · availability not published
611 Kotak Mojo Platinum ₹14,100 0.24% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · closed to new applicants
612 PM SVANidhi BOBCARD ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · invite-only — not on open application
613 IOB Gold Credit Card ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
614 IOB Classic Credit Card ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
615 SBI Employee Card ₹12,000 0.20% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
616 Hero Honda SBI Card ₹11,500 0.19% net of fee at ₹5L/mo, the everyday mix · ₹250 joining, then ₹500/yr · closed to new applicants
617 OneCard Metal ₹11,300 0.19% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · issuance paused
618 Axis Bank Signature ₹11,300 0.19% net of fee at ₹5L/mo, the everyday mix · ₹1,500 joining, then ₹1,000/yr · closed to new applicants
619 SBI Mumbai Card ₹11,300 0.19% net of fee at ₹5L/mo, the everyday mix · ₹250 joining, then ₹750/yr · closed to new applicants
620 SBI Advantage Card (pre-2009) ₹11,300 0.19% net of fee at ₹5L/mo, the everyday mix · ₹250 joining, then ₹750/yr · closed to new applicants
621 RBL vCard ₹10,600 0.18% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹500/yr · closed to new applicants
622 SBI Gold Card (pre-2009) ₹10,500 0.18% net of fee at ₹5L/mo, the everyday mix · ₹300 joining, then ₹1,500/yr · closed to new applicants
623 SimplySAVE Advantage SBI Card ₹10,100 0.17% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
624 Indian Overseas Bank RuPay Classic ₹10,000 0.17% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
625 Standard Chartered Bandhan One ₹10,000 0.17% net of fee at ₹5L/mo, the everyday mix · ₹299/yr · closed to new applicants
626 RBL Bank novio ₹9,900 0.16% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
627 HDFC Bank Easy EMI ₹9,000 0.15% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
628 PVR Kotak Platinum ₹8,600 0.14% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹999/yr · closed to new applicants
629 Equitas Tiga Secured ₹8,000 0.13% net of fee at ₹5L/mo, the everyday mix · ₹1,000/yr · availability not published
630 RBL Bank QuickPay ₹7,400 0.12% net of fee at ₹5L/mo, the everyday mix · ₹99/yr · invite-only — not on open application
631 AU Xcite Ace Credit Card ₹7,200 0.12% net of fee at ₹5L/mo, the everyday mix · ₹749/yr · invite-only — not on open application
632 Axis Bank Freecharge ₹6,500 0.11% net of fee at ₹5L/mo, the everyday mix · ₹250/yr · invite-only — not on open application
633 RBL Bank Fun+ ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹499/yr · closed to new applicants
634 HDFC Bank Titanium Times ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
635 MagniFi (Federal Bank) ₹6,000 0.10% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · closed to new applicants
636 ABN AMRO One ₹5,400 0.09% net of fee at ₹5L/mo, the everyday mix · ₹295 joining, then ₹595/yr · closed to new applicants
637 PVR Kotak Gold ₹4,300 0.07% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · closed to new applicants
638 ABN AMRO Titanium One ₹4,000 0.07% net of fee at ₹5L/mo, the everyday mix · ₹500 joining, then ₹2,000/yr · closed to new applicants
639 IB-VISA-Bharat ₹0 0.00% net of fee at ₹5L/mo, the everyday mix · ₹0 — lifetime free · availability not published
640 IB-RuPay-Classic ₹0 0.00% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹250/yr · availability not published
641 HDFC Bank Bharat ₹0 0.00% net of fee at ₹5L/mo, the everyday mix · ₹500/yr · closed to new applicants
642 Kotak Delight Platinum −₹300 0.00% net of fee at ₹5L/mo, the everyday mix · ₹1,999 joining, then ₹299/yr · availability not published
643 Kotak Feast Gold −₹500 −0.01% net of fee at ₹5L/mo, the everyday mix · ₹0 joining, then ₹499/yr · closed to new applicants
644 HSBC Taj −₹62,100 −1.03% net of fee at ₹5L/mo, the everyday mix · ₹1,10,000/yr · invite-only — not on open application
645 HSBC Privé −₹75,200 −1.25% net of fee at ₹5L/mo, the everyday mix · ₹2,75,000/yr · invite-only — not on open application

How is this ranking computed?

Every card, one spend, one mix: ₹5L a month (₹60L a year) through the one value engine at the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — each card's published category rules applied. Real earn tiers, category caps baked into the rates, annual milestones, monthly bonuses, and the fee (waived where the spend clears the issuer's waiver bar) at our house ₹/point. Utilities and fuel in that mix do not pace Burgundy's 14% slice — those two categories earn nothing there, so they never climb the 35 EDGE RP per ₹200 increment above ₹1.5L a month. No lounge or soft-benefit garnish, and no portal-accelerator credit — this is the same engine the band board uses, not the ranking engine behind /compare. Gated and invite-only cards stay in: at this spend, you'll get the invite.

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 high spenders ranking?

Every one of the 645 priced Indian personal cards on the desk is ranked here — nothing is filtered out. 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 travel credit cards for high spenders in India have no annual fee?

134 of the 645 ranked here are lifetime free. The best on net ₹/yr at ₹5L/mo is IndusInd Tiger at ₹2,19,300. This board's call, Axis Magnus for Burgundy, costs ₹30,000/yr and reaches ₹5,40,000 — that gap is what the fee buys.

Is Axis Magnus for Burgundy better than Axis Magnus?

On what this board ranks — net ₹/yr at ₹5L/mo — yes: ₹5,40,000 against ₹2,70,000. That is the whole claim, and a narrow one. Axis Magnus takes this desk's rupay & upi board instead. No card wins overall: 23 boards, 23 questions.

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