Which card pays you at ₹40,000 a month?

244 cards you can apply for todaykeep-rated first

Keep-rated cards first, then downgrade, then cancel; inside a tier, the higher net value sits higher; a tie goes to our editorial rank. Priced at ₹40,000 a month, the the low end of this band. Under each figure, b/e is the spend a month at which that card pays for itself, at the everyday mix.

153 more pay you in rupees, not miles — the cashback board →

Which of my own cards earn here? →

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

224 more cards, in the same order

318 cards we rank that you cannot be issued here — and why

These are priced at the same spend and carry the rank the desk gives them, but none of them takes a number on the board above: the issuer has paused it, it is withdrawn, we cannot confirm it is still issued, or it is sold to a business rather than to a person. Each row says which. A card the bank has to invite you to is not here — those are numbered above, and marked.

Carried, but not published

69 cards

You could be issued these today — some of them invitation only, and those rows say so. No issuer document we could find states the fee, the earn or both, so there is no figure — the desk prints the absence rather than a guess.

We carry 875 more cards that take no number here — the shelf above, plus every card whose fee or earn nobody published — every one of them, and why →