Best premium credit cards in October 2026

Axis Magnus comes first: it is worth ₹2,70,000 a year at ₹5 lakh a month after the fee.

Verified 26 Oct 2026 1385 sources

The top 3

Axis Magnus

Axis Bank

−₹5,200₹5,600₹23,800₹1,28,900₹2,70,000 a year at the spend you picked

Ranked higher: its bonus category adds ₹46,100 a year

Keep Reward rate 2.4%–12%

Axis Magnus for Burgundy

Axis Bank

−₹15,500₹6,300₹42,600₹2,57,800₹5,40,000 a year at the spend you picked

Ranked higher: its bonus category adds ₹92,200 a year

Keep Reward rate 4.8%–24%

HSBC Premier (Metal)

HSBC

₹300₹30,800₹81,500₹1,83,000₹3,18,400 a year at the spend you picked

Keep Reward rate 6%

The full ranking

651 cards, best first. Ranked by what each is worth a year at ₹5 lakh a month, on a typical spending mix, after the fee. Bonus categories count; vouchers count at half. How we rank

Premium, high spend: ranks 1 to 25

Card	₹ a year	Fee
1. Axis MagnusAxis Bank · 4.50% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹46,100 a year	−₹5,200 ₹5,600 ₹23,800 ₹1,28,900 ₹2,70,000	₹12,500 fee
2. Axis Magnus for BurgundyAxis Bank · 9.00% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹92,200 a year	−₹15,500 ₹6,300 ₹42,600 ₹2,57,800 ₹5,40,000	₹30,000 fee
3. HSBC Premier (Metal)HSBC · 5.31% net of fee at ₹5L/mo, the everyday mix	₹300 ₹30,800 ₹81,500 ₹1,83,000 ₹3,18,400	₹12,000 joining + ₹20,000/yr
4. HDFC Diners Club Black MetalHDFC Bank · 3.80% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹79,000 a year	₹1,300 ₹28,200 ₹96,300 ₹1,52,700 ₹2,27,800	₹10,000 fee
5. IndusInd TigerIndusInd Bank · 4.57% net of fee at ₹5L/mo, the everyday mix	₹7,100 ₹32,000 ₹78,200 ₹1,70,700 ₹2,74,100	₹0 fee, lifetime free
6. HDFC Infinia MetalHDFC Bank · Invite only · 3.13% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹79,000 a year	₹11,300 ₹28,200 ₹56,300 ₹1,12,700 ₹1,87,800	₹12,500 fee
7. HSBC TravelOneHSBC · 3.69% net of fee at ₹5L/mo, the everyday mix	₹7,100 ₹25,200 ₹80,500 ₹1,41,000 ₹2,21,600	₹4,999 fee
8. Axis OlympusAxis Bank · Invite only · 3.36% net of fee at ₹5L/mo, the everyday mix	₹12,100 ₹30,200 ₹60,500 ₹1,21,000 ₹2,01,600	₹20,000 fee
9. ICICI Emeralde Private MetalICICI Bank · Invite only · 2.12% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹90,000 a year	₹10,200 ₹31,400 ₹52,600 ₹87,100 ₹1,27,200	₹12,499 fee
10. Axis Burgundy PrivateAxis Bank · Invite only · 3.37% net of fee at ₹5L/mo, the everyday mix	−₹81,900 −₹54,600 −₹9,300 ₹81,400 ₹2,02,400	₹1,00,000 fee
11. Kotak SolitaireKotak Mahindra Bank · Invite only · 2.10% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹63,000 a year	−₹15,900 −₹2,300 ₹20,400 ₹65,700 ₹1,26,200	₹0 joining + ₹25,000/yr
12. KrisFlyer SBI Card APEXSBI Card · 2.84% net of fee at ₹5L/mo, the everyday mix	₹0 ₹25,900 ₹54,200 ₹1,04,100 ₹1,70,600	₹9,999 fee
13. BOBCARD Etihad Guest PremiumBOBCARD (Bank of Baroda) · 2.65% net of fee at ₹5L/mo, the everyday mix	₹1,800 ₹22,900 ₹79,800 ₹1,13,700 ₹1,58,800	₹5,000 fee
14. YES Private PrimeYES Bank · Invite only · 2.50% net of fee at ₹5L/mo, the everyday mix	−₹1,000 ₹12,500 ₹35,000 ₹90,000 ₹1,50,000	₹20,000 joining + ₹10,000/yr
15. YES PrivateYES Bank · Invite only · 2.50% net of fee at ₹5L/mo, the everyday mix	−₹1,000 ₹12,500 ₹35,000 ₹90,000 ₹1,50,000	₹50,000 joining + ₹10,000/yr
16. Axis Bank ReserveAxis Bank · 2.52% net of fee at ₹5L/mo, the everyday mix	−₹40,900 −₹27,300 −₹4,600 ₹40,700 ₹1,51,200	₹50,000 fee
17. RBL NovaRBL Bank · 2.35% net of fee at ₹5L/mo, the everyday mix	−₹6,500 ₹2,600 ₹70,200 ₹1,00,500 ₹1,40,800	₹12,500 fee
18. IndusInd PIONEER PrivateIndusInd Bank · Invite only · 2.59% net of fee at ₹5L/mo, the everyday mix	−₹15,700 −₹1,700 ₹46,600 ₹93,200 ₹1,55,400	₹25,000 fee
19. Bandhan Bank Lumina Credit CardBandhan Bank · 2.50% net of fee at ₹5L/mo, the everyday mix	−₹2,800 ₹8,000 ₹66,000 ₹1,02,000 ₹1,50,000	₹9,999 fee
20. Standard Chartered UltimateStandard Chartered · 2.51% net of fee at ₹5L/mo, the everyday mix	₹4,400 ₹18,400 ₹41,800 ₹88,500 ₹1,50,900	₹5,000 fee
21. Axis Miles & More World SelectAxis Bank · 2.51% net of fee at ₹5L/mo, the everyday mix	₹8,600 ₹22,200 ₹44,900 ₹90,200 ₹1,50,700	₹10,000 joining + ₹4,500/yr
22. YES Bank MarqueeYES Bank · 2.02% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹27,000 a year	₹7,300 ₹18,100 ₹36,300 ₹72,500 ₹1,20,900	₹9,999 joining + ₹4,999/yr
23. ICICI Times BlackICICI Bank · 2.71% net of fee at ₹5L/mo, the everyday mix	−₹3,200 ₹16,900 ₹43,800 ₹1,17,700 ₹1,62,800	₹20,000 fee
24. Standard Chartered BeyondStandard Chartered · Invite only · 2.18% net of fee at ₹5L/mo, the everyday mix	−₹15,600 −₹1,600 ₹21,800 ₹68,500 ₹1,30,900	₹15,000 joining + ₹25,000/yr
25. HDFC Regalia GoldHDFC Bank · 1.80% net of fee at ₹5L/mo, the everyday mix · Ranked higher: its bonus category adds ₹29,200 a year	₹3,000 ₹29,800 ₹43,600 ₹71,200 ₹1,07,900	₹2,500 fee

Ranks 26 to 651 626 cards

Standard Chartered Priority Visa Infinite ₹1,20,000 · Invite only
Kotak Air+ Prime ₹1,00,800 · Ranked higher: its bonus category adds ₹27,000 a year
Kotak Air+ ₹1,00,800 · Ranked higher: its bonus category adds ₹27,000 a year
HSBC Privé ₹1,24,600 · Invite only
Tata Neu Infinity HDFC Bank ₹81,600 · Ranked higher: its bonus category adds ₹42,000 a year
Tata Neu Infinity SBI Card ₹81,600 · Ranked higher: its bonus category adds ₹42,000 a year
IndusInd Avios Visa Infinite ₹1,14,600
DBS Altitude ₹1,07,800 · Invite only
Axis Horizon ₹99,300 · Ranked higher: its bonus category adds ₹18,000 a year
Scapia (Federal Bank) ₹1,00,800
Scapia (Axis Bank) ₹1,00,800
IDFC FIRST Diamond Reserve ₹82,500 · Ranked higher: its bonus category adds ₹29,800 a year
Equitas PowerMiles ₹84,600 · Ranked higher: its bonus category adds ₹27,000 a year
RBL Lumière ₹62,800 · Invite only · Ranked higher: its bonus category adds ₹48,000 a year
IDFC FIRST Ashva ₹1,33,200 · Ranked lower: includes points worth full value only in one app
IDFC FIRST Mayura ₹1,67,900 · Ranked lower: includes points worth full value only in one app
IndiGo IDFC FIRST Secured ₹97,500
HSBC Platinum ₹67,200 · Ranked higher: its bonus category adds ₹40,000 a year
Equitas PowerMiles Secured ₹79,600 · Ranked higher: its bonus category adds ₹27,000 a year
Bandhan Bank Flare Credit Card ₹90,000
Axis Miles & More World ₹1,00,300
IDFC FIRST Private ₹3,15,000 · Invite only · Ranked lower: includes points worth full value only in one app
CUB SalarySe Level UP Virtual ₹99,900
CUB SalarySe Level UP ₹99,900
IndiGo IDFC FIRST Dual Credit Card ₹88,000
KVB Eternis Credit Card ₹90,000
Emirates Skywards ICICI Bank Emeralde ₹89,700
Shoppers Stop Black HDFC Bank ₹51,900 · Ranked higher: its bonus category adds ₹36,000 a year
RBL iGlobe ₹72,500 · Invite only · Ranked higher: its bonus category adds ₹15,000 a year
BOBCARD Etihad Guest ₹79,400
SBI Card MILES ELITE ₹70,400 · Ranked higher: its bonus category adds ₹14,400 a year
Axis Bank ACE ₹84,600
HSBC Live+ ₹84,600
SBI AURUM ₹1,09,400 · Invite only · Ranked lower: includes ₹53,000 in vouchers
RBL Insignia Preferred Banking World Card ₹78,500 · Invite only
LIC IDFC FIRST Select ₹56,400 · Ranked higher: its bonus category adds ₹24,000 a year
YES PaisaSave RuPay ₹50,400 · Ranked higher: its bonus category adds ₹30,000 a year
Flipkart SBI Card ₹56,400 · Ranked higher: its bonus category adds ₹24,000 a year
AU Xcite Credit Card ₹39,300 · Invite only · Ranked higher: its bonus category adds ₹39,600 a year
IDFC FIRST Gaj ₹1,72,000 · Invite only · Ranked lower: includes points worth full value only in one app
HDFC Diners Club Privilege ₹62,400 · Ranked higher: its bonus category adds ₹19,200 a year
Axis Bank Freecharge Plus ₹56,400 · Invite only · Ranked higher: its bonus category adds ₹21,600 a year
IDFC FIRST WOW! Black ₹34,600 · Ranked higher: its bonus category adds ₹43,200 a year
YES PaisaSave ₹50,400 · Ranked higher: its bonus category adds ₹27,000 a year
AU Xcite Ultra Credit Card ₹54,700 · Invite only · Ranked higher: its bonus category adds ₹21,000 a year
ESAF INORI RuPay Platinum ₹75,000
Amazon Pay ICICI Bank ₹50,400 · Invite only · Ranked higher: its bonus category adds ₹24,000 a year
Axis Bank SuperMoney RuPay ₹50,400 · Ranked higher: its bonus category adds ₹24,000 a year
Axis Bank Cashback ₹40,800 · Ranked higher: its bonus category adds ₹32,300 a year
Tata Neu Plus HDFC Bank ₹50,400 · Ranked higher: its bonus category adds ₹21,600 a year
Airtel Axis Bank Credit Card ₹60,000 · Ranked higher: its bonus category adds ₹10,800 a year
Kotak Air ₹50,400 · Ranked higher: its bonus category adds ₹18,000 a year
SBI Card MILES PRIME ₹60,400
KrisFlyer SBI Card ₹55,700 · Ranked higher: its bonus category adds ₹11,900 a year
HSBC RuPay Platinum ₹67,200
IndiGo Kotak Premium Credit Card ₹55,400 · Ranked higher: its bonus category adds ₹10,800 a year
SBI Card ELITE ₹40,700 · Ranked higher: its bonus category adds ₹24,000 a year
Utkarsh Rhodium Credit Card ₹63,000 · Invite only
BOBCARD Uni GoldX ₹50,400 · Ranked higher: its bonus category adds ₹12,000 a year
Tata Neu Plus SBI Card ₹50,400 · Ranked higher: its bonus category adds ₹12,000 a year
LIC Axis Bank Signature ₹53,600 · Ranked higher: its bonus category adds ₹8,600 a year
HDFC PIXEL Go ₹56,400
Axis Bank Privilege Easy ₹60,400
IndusInd Pioneer Legacy ₹46,900 · Invite only · Ranked higher: its bonus category adds ₹13,400 a year
SBI Card PRIME ₹39,200 · Ranked higher: its bonus category adds ₹26,400 a year
SBM MobiKwik First Credit Card ₹60,000
Union Bank RuPay Select ₹60,000
Union Sparsh ₹60,000
Kotak White Reserve ₹1,20,000 · Ranked lower: includes ₹1,20,000 in vouchers
HDFC Bank PIXEL Play ₹56,400
CUB CSK Master World ₹50,400
CUB SRH Master World ₹50,400
IDBI Bank LIC Eclat Select ₹57,300
LIC IDFC FIRST Classic ₹36,000 · Ranked higher: its bonus category adds ₹21,100 a year
IndusInd Pinnacle World ₹43,700 · Ranked higher: its bonus category adds ₹13,200 a year
slice UPI Credit Card ₹56,400
Edge+ CSB Bank RuPay Credit Card ₹50,400
PNB Kiwi ₹25,200 · Ranked higher: its bonus category adds ₹30,000 a year
IndusInd Legend ₹46,100 · Ranked higher: its bonus category adds ₹8,400 a year
Utkarsh superCard ₹50,400
Utkarsh SmartGen Credit Card ₹50,400 · Invite only
CRED IndusInd Bank RuPay Credit Card ₹55,900 · Invite only
CASHBACK SBI Card ₹24,000 · Ranked higher: its bonus category adds ₹24,000 a year
Swiggy BLCK HDFC Bank Credit Card ₹12,000 · Ranked higher: its bonus category adds ₹36,000 a year
IDBI Bank Euphoria World ₹43,200
Marriott Bonvoy HDFC Bank ₹39,000 · Ranked higher: its bonus category adds ₹6,000 a year
IndusInd Platinum RuPay ₹33,800 · Ranked higher: its bonus category adds ₹10,800 a year
BOBCARD Cashback ₹37,900 · Ranked higher: its bonus category adds ₹6,000 a year
Standard Chartered Rewards ₹43,600
IDBI Bank Royale Signature ₹43,200
Paytm HDFC Bank Select ₹26,000 · Ranked higher: its bonus category adds ₹18,000 a year
IDBI Bank LIC Lumine ₹42,900
LIC Axis Bank Platinum ₹35,900 · Ranked higher: its bonus category adds ₹6,500 a year
IDFC FIRST Select ₹19,700 · Ranked higher: its bonus category adds ₹22,200 a year
IDFC FIRST Millennia ₹19,700 · Ranked higher: its bonus category adds ₹22,200 a year
IDFC FIRST Classic ₹19,700 · Ranked higher: its bonus category adds ₹22,200 a year
IDFC FIRST Wealth ₹19,700 · Ranked higher: its bonus category adds ₹22,200 a year
MakeMyTrip ICICI Bank ₹54,000 · Ranked lower: includes points worth full value only in one app
Bandhan Bank Ignite Credit Card ₹33,600 · Ranked higher: its bonus category adds ₹7,500 a year
Axis Bank Pride Signature ₹40,300
RBL Signature Banking ₹21,500 · Invite only · Ranked higher: its bonus category adds ₹21,600 a year
Fibe Axis Bank Credit Card ₹18,000 · Ranked higher: its bonus category adds ₹21,600 a year
Aditya Birla Capital AU Pro ₹28,200 · Ranked higher: its bonus category adds ₹11,300 a year
Equitas Selfe Credit Card ₹39,500
Kotak NRI Royale Signature ₹27,200 · Ranked higher: its bonus category adds ₹12,000 a year
AU CA Metal ₹30,000 · Ranked higher: its bonus category adds ₹9,000 a year
AU CS ₹30,000 · Ranked higher: its bonus category adds ₹9,000 a year
RBL World Safari ₹38,500
Snapdeal BOBCARD ₹38,200
IDFC FIRST WOW! ₹26,000 · Ranked higher: its bonus category adds ₹12,000 a year
YES Bank Zagg Credit Card ₹37,800
BOBCARD Eterna ₹33,800
Axis Bank PRIMUS ₹75,000 · Invite only · Ranked lower: includes ₹75,000 in vouchers
Union JCB Wellness ₹29,300 · Ranked higher: its bonus category adds ₹7,500 a year
Paisabazaar Paisa Plus Credit Card ₹36,000
Axis Bank Shoppers Stop Credit Card ₹25,200 · Ranked higher: its bonus category adds ₹10,800 a year
TVS Credit RBL Bank Gold ₹27,200 · Ranked higher: its bonus category adds ₹9,600 a year
Axis Bank SELECT ₹35,800
SimplyCLICK SBI Card ₹14,100 · Ranked higher: its bonus category adds ₹20,300 a year
IndusInd Platinum ₹33,800
BPCL SBI Card OCTANE ₹16,400 · Ranked higher: its bonus category adds ₹18,000 a year
ixigo AU ₹66,600 · Ranked lower: includes points worth full value only in one app
ICICI Bank Parakram Select ₹27,000 · Ranked higher: its bonus category adds ₹6,000 a year
BOBCARD Tiara ₹28,800
Kotak Zen Signature ₹23,200 · Ranked higher: its bonus category adds ₹9,000 a year
Edge CSB Bank RuPay Credit Card ₹20,200 · Ranked higher: its bonus category adds ₹11,500 a year
Union JCB Health ₹33,000
Union Bank UNICORN ₹32,500
Union UNI-CARBON ₹30,700
CheQ AU Credit Card ₹28,200
Standard Chartered Manhattan ₹30,000
EazyDiner IndusInd Signature ₹19,600 · Ranked higher: its bonus category adds ₹10,800 a year
Indus Solitaire ₹30,100 · Invite only
IndusInd Duo ₹30,000
Swiggy Ornge HDFC Bank Credit Card ₹12,000 · Ranked higher: its bonus category adds ₹18,000 a year
Kotak Cashback+ ₹27,000
RBL Movies and More ₹16,400 · Ranked higher: its bonus category adds ₹13,500 a year
AU Bank Traverse Credit Card (NRI) ₹26,700
Kotak Cashback+ Prime ₹27,000
IDBI Bank Winnings ₹28,800
Varunah Premium BOBCARD ₹28,800 · Invite only
ICICI Bank HPCL Coral Credit Card ₹28,500
AU Laksya Credit Card ₹28,200
AU Prathama Credit Card ₹28,100
AU Bank NOMO Credit Card ₹27,700
RBL Aspire Banking ₹15,000 · Invite only · Ranked higher: its bonus category adds ₹14,400 a year
RBL BankBazaar SaveMax Pro ₹27,000 · Invite only
IndianOil Axis Bank Premium ₹24,400
ICICI Bank Platinum Chip Credit Card ₹26,700
HDFC Bank Millennia ₹16,000 · Ranked higher: its bonus category adds ₹12,000 a year
PhonePe SBI Card PURPLE ₹15,000 · Invite only · Ranked higher: its bonus category adds ₹12,000 a year
IndianOil HDFC Bank Credit Card ₹25,000
DBS Spark 20 Credit Card ₹25,000
YES Bank POP-CLUB ₹10,100 · Ranked higher: its bonus category adds ₹14,400 a year
IDFC FIRST HPCL Power+ ₹20,000 · Ranked higher: its bonus category adds ₹4,200 a year
Niyo Global SBM Credit Card ₹0 · Ranked higher: its bonus category adds ₹24,000 a year
Aditya Birla Capital AU Flex ₹15,000 · Ranked higher: its bonus category adds ₹9,000 a year
Aditya Birla Capital AU Nxt ₹15,000 · Ranked higher: its bonus category adds ₹9,000 a year
RBL Cookies ₹16,100 · Ranked higher: its bonus category adds ₹10,100 a year
ICICI Bank Parakram ₹13,500 · Ranked higher: its bonus category adds ₹9,000 a year
SimplySAVE SBI Card ₹9,400 · Ranked higher: its bonus category adds ₹12,500 a year
SimplySAVE UPI SBI Card ₹9,400 · Invite only · Ranked higher: its bonus category adds ₹12,500 a year
EazyDiner IndusInd Platinum ₹22,600
RBL Bank SalarySe UP ₹10,100 · Ranked higher: its bonus category adds ₹11,700 a year
RBL Platinum Maxima Plus ₹21,800
CUB CSK RuPay Platinum ₹16,600 · Ranked higher: its bonus category adds ₹5,100 a year
CUB SRH RuPay Platinum ₹16,600 · Ranked higher: its bonus category adds ₹5,100 a year
IndianOil Kotak Credit Card ₹20,300
IDFC FIRST HPCL Power ₹20,000
RBL Platinum Maxima ₹19,800
PNB VISA Platinum ₹19,500
IDBI Bank Aspire Platinum ₹19,400
MakeMyTrip ICICI Bank Platinum ₹29,200 · Ranked lower: includes points worth full value only in one app
Indian Army YODDHA BOBCARD ₹19,200 · Invite only
Assam Rifles SENTINEL BOBCARD ₹19,200 · Invite only
Coast Guard RAKSHAMAH BOBCARD ₹19,200 · Invite only
UJJIVAN SFB Elite BOBCARD ₹19,200 · Invite only
BOBCARD Premier (FD Backed) ₹19,200
Suryoday SFB RuPay Platinum ₹19,200
Suryoday SFB RuPay Select ₹19,200
BOBCARD Premier ₹19,200
Varunah Plus BOBCARD ₹19,200 · Invite only
IRCTC HDFC Bank Credit Card ₹14,000 · Ranked higher: its bonus category adds ₹12,000 a year
HDFC Bank MoneyBack+ ₹14,100 · Ranked higher: its bonus category adds ₹4,800 a year
Paytm AU Credit Card ₹18,000
YES BANK RuPay Virtual ₹15,000 · Ranked higher: its bonus category adds ₹3,000 a year
Standard Chartered Smart ₹6,000 · Ranked higher: its bonus category adds ₹12,000 a year
IDFC FIRST Hello Cashback ₹18,000
RBL Patanjali Vishisht ₹12,600 · Ranked higher: its bonus category adds ₹5,300 a year
DBS Spark 10 Credit Card ₹17,800
Federal Bank Celesta ₹14,100 · Ranked higher: its bonus category adds ₹3,600 a year
YES Bank FinBooster ₹12,600 · Ranked higher: its bonus category adds ₹4,800 a year
YES FinBooster RuPay ₹14,100 · Ranked higher: its bonus category adds ₹3,000 a year
YES Bank anQ Pi ₹14,100 · Ranked higher: its bonus category adds ₹3,000 a year
BPCL SBI Card ₹14,400 · Ranked higher: its bonus category adds ₹2,400 a year
AU Tejas Credit Card ₹14,100 · Ranked higher: its bonus category adds ₹2,600 a year
IRCTC SBI Card Premier ₹45,100 · Ranked lower: includes points worth full value only in one app
PNB VISA Classic ₹15,000
Indian Overseas Bank RuPay Platinum ₹15,000
Indian Overseas Bank RuPay Select ₹15,000
PNB VISA Gold ₹14,700
Standard Chartered Super Value Titanium ₹9,100 · Ranked higher: its bonus category adds ₹5,000 a year
RBL Apex ₹8,000 · Ranked higher: its bonus category adds ₹7,200 a year
ICAI Exclusive BOBCARD ₹13,600 · Invite only
ICSI Diamond BOBCARD ₹13,600 · Invite only
CMA One BOBCARD ₹13,600 · Invite only
HPCL ENERGIE BOBCARD ₹13,000
Kotak White ₹27,000 · Ranked lower: includes ₹27,000 in vouchers
RBL BankBazaar SaveMax ₹12,600
IRCTC SBI Platinum Card ₹45,100 · Ranked lower: includes points worth full value only in one app
RBL Shoprite ₹12,600
Federal Bank Imperio ₹10,600 · Ranked higher: its bonus category adds ₹3,000 a year
Standard Chartered Platinum Rewards ₹9,800 · Ranked higher: its bonus category adds ₹3,200 a year
AU Altura Plus Credit Card ₹12,600
RBL Platinum Choice ₹12,600
RBL Binge ₹12,600
IndianOil RBL Bank XTRA Credit Card ₹56,000 · Ranked lower: includes points worth full value only in one app
RBL Platinum Advantage ₹12,100
PM SVANidhi BOBCARD ₹12,000 · Invite only
Paytm HDFC Bank Digital ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
Paytm HDFC Bank Mobile ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
Federal Bank Paisabazaar Paisaback Credit Card ₹12,000
HDFC Bank PIXEL Times Credit Card (Move) ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
PhonePe HDFC Bank Ultimo ₹0 · Ranked higher: its bonus category adds ₹12,000 a year
HDFC Bank PIXEL Times Credit Card (Rush) ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
IndianOil Easy Axis Bank ₹10,200
AU LIT Credit Card ₹11,100
DBS Spark 5 Credit Card ₹11,000
UJJIVAN SFB Platinum BOBCARD ₹9,600 · Invite only
PRAGATI BOBCARD (RRB) ₹9,600 · Invite only
Nainital Bank RENAISSANCE BOBCARD ₹9,600 · Invite only
RBL World Safari Lite ₹2,800 · Ranked higher: its bonus category adds ₹7,500 a year
Federal Bank Signet ₹7,100 · Ranked higher: its bonus category adds ₹1,800 a year
Shoppers Stop HDFC Bank ₹2,700 · Ranked higher: its bonus category adds ₹6,000 a year
Equitas Tiga ₹8,500
IRCTC RBL Bank Credit Card ₹26,700 · Ranked lower: includes points worth full value only in one app
BOBCARD Easy (FD Backed) ₹7,700
RBL Bank Shoppers Stop Platinum ₹2,000 · Ranked higher: its bonus category adds ₹9,000 a year
Federal RuPay Wave Credit Card ₹8,100
BOBCARD Select (FD Backed) ₹7,700
RBL Bank QuickPay ₹7,400 · Invite only
AU Xcite Ace Credit Card ₹7,200 · Invite only
RBL Bank Shoppers Stop Gold ₹3,500 · Ranked higher: its bonus category adds ₹4,500 a year
RBL Paisabazaar Duet ₹6,000
AU Zaggle Credit Card ₹6,000
IDFC FIRST Quantum+ ₹6,000
Dhanlaxmi Bank RuPay Dhan Vriddhi ₹6,000
Dhanlaxmi Bank RuPay Dhan Samriddhi ₹6,000
IndianOil RBL Bank Credit Card ₹27,000 · Ranked lower: includes points worth full value only in one app
AU SPONT Credit Card ₹5,700
1838 Reserve ICICI Bank Credit Card ₹5,000 · Invite only
HSBC RuPay Cashback ₹4,800
Google Pay Flex Axis Bank ₹18,000 · Ranked lower: includes a promotional reward rate
Utkarsh Wish Credit Card ₹2,400 · Ranked higher: its bonus category adds ₹1,800 a year
RBL Bank DMI Finance ₹3,700
PVR INOX Kotak ₹3,100
HDFC Bank UPI RuPay ₹1,500 · Ranked higher: its bonus category adds ₹1,500 a year
HDFC Bank UPI RuPay Mega Saver ₹1,500 · Ranked higher: its bonus category adds ₹1,500 a year
IndusInd Samman RuPay ₹2,400
DCB PayLess Select Credit Card ₹4,000 · Ranked lower: includes ₹4,000 in vouchers
BOBCARD Swavlamban ₹1,900
AU Altura Credit Card ₹1,200
AU InstaPay RuPay Credit Card ₹1,200
IndusInd ePay Amex ₹1,100
DCB PayLess Platinum Credit Card ₹1,000
Dhi CUB Visa Signature ₹70,500 · Invite only · Ranked lower: includes a promotional reward rate
Reliance SBI Card ₹14,100 · Ranked lower: includes points worth full value only in one app
DBS Vantage ₹1,32,800 · Invite only · Ranked higher: its bonus category adds ₹24,000 a year
Unity Bank BharatPe Credit Card ₹1,20,000
YES Bank RESERV ₹80,100 · Ranked higher: its bonus category adds ₹18,000 a year
SpiceJet Axis Bank Voyage Black ₹88,600
IndiGo SBI Card ELITE ₹59,900 · Ranked higher: its bonus category adds ₹18,000 a year
IndiGo Axis Bank Premium Credit Card ₹57,900 · Ranked higher: its bonus category adds ₹18,000 a year
Landmark Rewards SBI Card PRIME ₹30,200 · Ranked higher: its bonus category adds ₹41,400 a year
Flipkart Axis Bank Credit Card ₹50,400 · Ranked higher: its bonus category adds ₹19,200 a year
Emirates Skywards ICICI Bank Sapphiro ₹67,500
Utkarsh Eternal Credit Card ₹63,000 · Invite only
Union Bank VISA Signature ₹60,000
IndusInd Pioneer Heritage ₹45,100 · Invite only · Ranked higher: its bonus category adds ₹10,800 a year
YES Bank BYOC (Rewards) ₹55,800
Samsung Axis Bank Signature ₹50,400
Landmark Rewards SBI Card SELECT ₹29,700 · Ranked higher: its bonus category adds ₹23,400 a year
ICICI Bank Emeralde ₹51,900
YES Bank Wellness Plus ₹40,800 · Ranked higher: its bonus category adds ₹10,800 a year
Axis Bank Privilege ₹52,400
YES Bank ELITE+ ₹40,800 · Ranked higher: its bonus category adds ₹9,000 a year
SpiceJet Axis Bank Voyage ₹44,600
PhonePe SBI Card SELECT BLACK ₹29,000 · Invite only · Ranked higher: its bonus category adds ₹18,000 a year
YES Essence ₹28,200 · Ranked higher: its bonus category adds ₹15,000 a year
Apollo SBI Card SELECT ₹33,400 · Ranked higher: its bonus category adds ₹20,500 a year
SBI Card PULSE ₹29,700 · Ranked higher: its bonus category adds ₹12,000 a year
IndusInd Indulge ₹39,900 · Invite only
Axis Bank My Zone ₹19,900 · Ranked higher: its bonus category adds ₹19,800 a year
ICICI Bank Expressions ₹39,300
RBL Icon ₹36,300
Axis Bank NEO ₹4,800 · Ranked higher: its bonus category adds ₹33,100 a year
Standard Chartered EaseMyTrip ₹28,200 · Ranked higher: its bonus category adds ₹9,600 a year
Equitas Selfe Secured ₹37,500
IDFC FIRST SWYP ₹11,500 · Ranked higher: its bonus category adds ₹24,700 a year
YES Bank ACE ₹28,500 · Ranked higher: its bonus category adds ₹7,500 a year
IndiGo SBI Card ₹28,700 · Ranked higher: its bonus category adds ₹7,200 a year
IndiGo Kotak Credit Card ₹28,700 · Ranked higher: its bonus category adds ₹7,200 a year
CUB CSK Master Platinum ₹30,200 · Ranked higher: its bonus category adds ₹5,400 a year
CUB SRH Master Platinum ₹30,200 · Ranked higher: its bonus category adds ₹5,400 a year
YES Bank Wellness ₹29,500 · Ranked higher: its bonus category adds ₹6,000 a year
Axis Bank Platinum ₹30,200
SBI Card MILES ₹30,200
ICICI Sapphiro ₹31,700
IndiGo Axis Bank Credit Card ₹26,200 · Ranked higher: its bonus category adds ₹7,200 a year
ICICI Bank Rubyx ₹30,500
ICICI Bank Rubyx against FD ₹30,500
YES Bank SELECT ₹26,700 · Ranked higher: its bonus category adds ₹6,000 a year
IndusInd Bank Nexxt Credit Card ₹32,000
Union Bank NEXTERIA ₹33,800
Landmark Rewards SBI Card ₹15,600 · Ranked higher: its bonus category adds ₹16,200 a year
ICICI Bank NRI Sapphiro ₹26,700 · Ranked higher: its bonus category adds ₹4,500 a year
Union Bank RuPay Platinum ₹30,000
Union Bank VISA Platinum ₹30,000
Union Bank DIVAA ICON ₹30,000
IRCTC BOBCARD ₹27,900
RBL Platinum Edge ₹29,000
ICICI Bank HPCL Super Saver ₹28,200
ICICI Bank Coral ₹29,200
ICICI Bank Coral against FD ₹29,200
ICICI Bank NRI Coral ₹26,700
Adani One ICICI Bank Signature ₹78,600 · Ranked lower: includes points worth full value only in one app
RBL Platinum Max ₹24,200
RBL Platinum Prime ₹24,200
RBL World Safari Plus ₹26,600 · Invite only · Ranked lower: includes ₹20,000 in vouchers
RBL Bank Blockbuster ₹15,900 · Ranked higher: its bonus category adds ₹5,100 a year
Axis Bank Pride Platinum ₹20,200
RBL Platinum ShopGain ₹20,100
IndusInd Celesta ₹14,900 · Invite only · Ranked higher: its bonus category adds ₹5,000 a year
Axis Bank My Zone Easy ₹19,700
Bandhan Bank Sparks Credit Card ₹15,000 · Ranked higher: its bonus category adds ₹4,500 a year
IDBI Bank Imperium Platinum ₹19,400
Kotak 811 Credit Card ₹14,900 · Ranked higher: its bonus category adds ₹4,500 a year
IndusInd Crest ₹14,900 · Invite only · Ranked higher: its bonus category adds ₹3,800 a year
IndusInd Platinum Aura Edge ₹11,300 · Ranked higher: its bonus category adds ₹7,200 a year
Kotak League Platinum ₹16,600
Paytm HDFC Bank ₹12,000 · Ranked higher: its bonus category adds ₹6,000 a year
Kotak UPI RuPay ₹16,900
Adani One ICICI Bank Platinum ₹53,400 · Ranked lower: includes points worth full value only in one app
Axis Bank REWARDS ₹14,200
RBL Bank Shoppers Stop Black ₹0 · Ranked higher: its bonus category adds ₹18,000 a year
Paisabazaar Step-Up SBM Credit Card ₹12,600
TVS Credit RBL Bank ₹12,600
RBL Platinum Plus ₹12,600
IndianOil Axis Bank Credit Card ₹10,200
Axis Bank Kwik ₹11,300
RBL Bank Patanjali Swarn ₹11,100
Axis Bank Titanium Smart Traveller ₹10,100
YES Bank BYOC (Cashback) ₹10,800
BOBCARD VIKRAM ₹9,600 · Invite only
Indian Overseas Bank RuPay Classic ₹10,000
Varunah BOBCARD ₹9,600 · Invite only
BOBCARD Easy ₹7,700
HDFC Bank Freedom ₹4,200 · Ranked higher: its bonus category adds ₹3,600 a year
BOBCARD Select ₹7,700
Titan SBI Card ₹33,000 · Ranked lower: includes points worth full value only in one app
Axis Bank Freecharge ₹6,500 · Invite only
PhonePe HDFC Bank Uno ₹0 · Ranked higher: its bonus category adds ₹6,000 a year
IDFC FIRST EA₹N ₹6,000
RBL Platinum Delight ₹6,000
RBL Paisabazaar Duet Plus ₹3,600 · Ranked higher: its bonus category adds ₹2,400 a year
Reliance SBI Card PRIME ₹37,000 · Ranked lower: includes points worth full value only in one app
RBL Platinum LifeEasy ₹1,000 · Ranked higher: its bonus category adds ₹2,400 a year
HSBC Taj −₹62,100 · Invite only · Ranked higher: its bonus category adds ₹11,900 a year
AU Zenith ₹42,300
AU Ananta ₹39,200 · Ranked higher: its bonus category adds ₹8,100 a year
YES Prosperity Cashback+ ₹40,800
AU Vetta ₹29,200
YES Prosperity Cashback ₹27,200
AU Zenith+ ₹24,600
Axis Bank My Wings ₹19,700
YES BANK EMI ₹6,000 · Ranked higher: its bonus category adds ₹12,000 a year
Union Bank VISA Gold ₹15,000
RBL EasySaver ₹3,000 · Ranked higher: its bonus category adds ₹3,900 a year
RBL MyFirst ₹2,500 · Ranked higher: its bonus category adds ₹3,900 a year
Air India SBI Signature Card ₹3,25,600 · Closed to new applicants
HDFC Bank Diners Club Black (non-metal) ₹2,11,800 · Closed to new applicants · Ranked higher: its bonus category adds ₹89,900 a year
Axis Atlas ₹2,26,600 · Closed to new applicants · Ranked higher: its bonus category adds ₹36,000 a year
British Airways ICICI Bank Premium ₹2,33,000 · Closed to new applicants
Axis Bank Vistara Infinite Credit Card ₹1,62,000 · Closed to new applicants
Kotak Infinite ₹1,29,600 · Closed to new applicants · Ranked higher: its bonus category adds ₹27,000 a year
Diners Club International British Airways ₹1,47,000 · Closed to new applicants
Etihad Guest SBI Premier Card ₹1,26,000 · Closed to new applicants
Air India SBI Platinum Card ₹1,16,300 · Closed to new applicants
ABN AMRO Smart Miles Titanium ₹1,30,000 · Closed to new applicants
Club Vistara IDFC FIRST ₹1,27,000 · Closed to new applicants
Club Vistara SBI Card PRIME ₹1,30,000 · Closed to new applicants
British Airways ICICI Bank Classic ₹1,16,500 · Closed to new applicants
Hutch Citibank Credit Card ₹1,20,000 · Closed to new applicants
Myntra Kotak ₹72,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹48,800 a year
HDFC Bank Diners Club Miles ₹1,20,000 · Closed to new applicants
Bajaj Finserv DBS 10X Signature SuperCard ₹1,17,000 · Closed to new applicants
Bajaj Finserv DBS 10X Plus SuperCard ₹1,15,000 · Closed to new applicants
Scapia (BOBCARD) ₹1,00,800 · Not confirmed on sale
Standard Chartered Emirates World ₹1,05,000 · Closed to new applicants
Axis Bank Vistara Signature Credit Card ₹1,08,000 · Closed to new applicants
RBL Edition Black ₹62,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹43,200 a year
Club Vistara SBI Card ₹95,000 · Closed to new applicants
PNB LUXURA Metal (Visa Infinite) ₹72,500 · Not confirmed on sale · Ranked higher: its bonus category adds ₹18,000 a year
PNB LUXURA Metal (RuPay) ₹72,500 · Not confirmed on sale · Ranked higher: its bonus category adds ₹18,000 a year
Deutsche Bank Miles & More Signature ₹85,500 · Closed to new applicants
IndusInd Bank Miles & More Signature ₹85,500 · Closed to new applicants
RBL India Startup Club World ₹76,300 · Closed to new applicants
Bajaj Finserv DBS 7X SuperCard ₹82,500 · Closed to new applicants
Bajaj Finserv DBS 7X Plus SuperCard ₹82,000 · Closed to new applicants
BOB Financial Paytm Credit Card ₹58,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹24,000 a year
HSBC Advance Platinum ₹80,000 · Closed to new applicants
Pine Labs HDFC Bank Pro ₹80,000 · Closed to new applicants
Paytm SBI Card SELECT ₹62,400 · Not confirmed on sale · Ranked higher: its bonus category adds ₹19,200 a year
Samsung Axis Bank Infinite ₹60,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹18,000 a year
Standard Chartered Landmark Rewards Platinum ₹59,800 · Closed to new applicants · Ranked higher: its bonus category adds ₹16,800 a year
Amex Platinum Charge ₹36,500 · Issuing paused · Ranked higher: its bonus category adds ₹57,000 a year
Flipkart Axis Bank Super Elite ₹56,400 · Issuing paused · Ranked higher: its bonus category adds ₹18,000 a year
HDFC Regalia ₹63,900 · Closed to new applicants
Etihad Guest SBI Card ₹65,000 · Closed to new applicants
Maruti Suzuki AutoCard ₹60,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
YES Bank anQ Phi ₹30,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹37,500 a year
SBI Card ELITE Advantage ₹42,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹24,000 a year
SBI Advantage Signature Card ₹42,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹24,000 a year
HDFC Bank Superia ₹63,000 · Closed to new applicants
Paytm SBI Card ₹55,900 · Not confirmed on sale · Ranked higher: its bonus category adds ₹9,600 a year
IndusInd Iconia Amex ₹59,600 · Closed to new applicants
Citibank Rewards Domestic Credit Card ₹33,600 · Closed to new applicants · Ranked higher: its bonus category adds ₹30,200 a year
Shaurya Select SBI Card ₹37,200 · Not confirmed on sale · Ranked higher: its bonus category adds ₹30,000 a year
Edge+ CSB Bank Mastercard Credit Card ₹50,400 · Not confirmed on sale · Ranked higher: its bonus category adds ₹12,000 a year
Amex Membership Rewards Card ₹62,400 · Issuing paused
Axis Bank Signature ₹56,400 · Closed to new applicants
SBI Card PRIME Advantage ₹41,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹26,400 a year
SBI Signature Card ₹37,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹24,000 a year
Taj Epicure Diners Club ₹38,200 · Closed to new applicants · Ranked higher: its bonus category adds ₹22,400 a year
Amex Platinum Travel ₹70,400 · Issuing paused
HDFC Regalia Activ ₹63,900 · Closed to new applicants
HSBC Smart Value ₹60,000 · Closed to new applicants
IB-VISA-Gold ₹60,000 · Not confirmed on sale
IB-VISA-Platinum ₹60,000 · Not confirmed on sale
IB-RuPay-Platinum ₹60,000 · Not confirmed on sale
IB-RuPay-Select ₹60,000 · Not confirmed on sale
HDFC Bank Diners Club Premium ₹60,000 · Closed to new applicants
KVB SBI Signature Card ₹35,700 · Not confirmed on sale · Ranked higher: its bonus category adds ₹24,000 a year
Citi Titanium Cash Rewards Credit Card ₹29,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹30,000 a year
Bajaj Finserv DBS 5X SuperCard ₹59,500 · Closed to new applicants
HDFC Bank Idea International Silver ₹59,300 · Closed to new applicants
Bajaj Finserv DBS 5X Plus SuperCard ₹59,000 · Closed to new applicants
InterMiles HDFC Bank Diners Club ₹59,000 · Closed to new applicants
Deutsche Bank Miles & More Platinum ₹58,000 · Closed to new applicants
IndusInd Bank Miles & More Platinum ₹58,000 · Closed to new applicants
Amex Gold Charge ₹57,900 · Issuing paused
Amex Platinum Reserve ₹62,400 · Issuing paused
SBI Student Plus Advantage Card ₹15,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹40,500 a year
Axis Bank Vistara Credit Card ₹54,000 · Closed to new applicants
Jet Airways Amex Platinum ₹54,000 · Closed to new applicants
HSBC Spencer's Retail Classic ₹44,800 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
Amex MakeMyTrip Credit Card ₹35,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹21,600 a year
PNB Premium Metal LUXURA ₹52,000 · Not confirmed on sale
Amex SmartEarn ₹51,900 · Issuing paused
First Citizen Citibank Platinum Credit Card ₹38,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹12,000 a year
PNB Zaggle Twin ₹50,000 · Not confirmed on sale
Standard Chartered Bajaj Finserv World ₹42,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹7,500 a year
Yatra Barclaycard Platinum ₹48,000 · Closed to new applicants
Barclaycard Gold ₹48,000 · Closed to new applicants
Barclays Premier League Barclaycard ₹48,000 · Closed to new applicants
Times Card from Barclaycard and TimesofMoney ₹48,000 · Closed to new applicants
SBI Maruti Card ₹48,000 · Closed to new applicants
SBI Railway Card ₹47,700 · Closed to new applicants
KVB SBI Platinum Card ₹31,200 · Not confirmed on sale · Ranked higher: its bonus category adds ₹18,000 a year
South Indian Bank SBI Platinum Card ₹31,200 · Not confirmed on sale · Ranked higher: its bonus category adds ₹18,000 a year
Jet Airways Citibank Platinum ₹45,500 · Closed to new applicants
InterMiles HDFC Bank Signature ₹45,500 · Closed to new applicants
Federal Bank SBI Platinum Card ₹27,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹18,000 a year
YES First Preferred ₹44,400 · Closed to new applicants
Emirates Skywards ICICI Bank Rubyx ₹44,400 · Closed to new applicants
Delhi Metro Citibank ₹42,000 · Closed to new applicants
Standard Chartered Bandhan Xclusive ₹30,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹14,000 a year
Citibank Platinum Credit Card ₹32,600 · Closed to new applicants · Ranked higher: its bonus category adds ₹10,800 a year
Kotak Privy League Signature ₹35,700 · Closed to new applicants · Ranked higher: its bonus category adds ₹6,800 a year
IOB SalarySe Rise UP ₹24,000 · Not confirmed on sale · Ranked higher: its bonus category adds ₹18,000 a year
IndusInd PAYBACK Credit Card ₹32,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹8,100 a year
Standard Chartered Bajaj Finserv Platinum ₹29,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹11,300 a year
HDFC Harley-Davidson Diners Club ₹21,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹21,500 a year
Easyday Kotak Silver Card ₹30,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
Easyday Kotak Titanium Card ₹30,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
SBI Platinum Card (2010) ₹30,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
SBI Gold & More Card ₹20,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹18,000 a year
SBI Platinum Card (2007) ₹37,500 · Closed to new applicants
RBL World Plus ₹30,200 · Not confirmed on sale · Ranked higher: its bonus category adds ₹6,000 a year
IndianOil Citibank Credit Card ₹30,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹6,000 a year
Best Price Save Smart HDFC Bank ₹36,000 · Closed to new applicants
Best Price Save Max HDFC Bank ₹24,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹12,000 a year
IndusInd Iconia Visa ₹33,600 · Closed to new applicants
Edge Federal Bank Visa Credit Card ₹24,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹11,500 a year
Poonawalla Fincorp IndusInd eLITE RuPay ₹26,400 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
SimplyCLICK Advantage SBI Card ₹15,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹20,300 a year
RBL India Startup Club Platinum ₹29,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹6,000 a year
RBL Platinum Cricket ₹29,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹6,000 a year
RBL Bank Practo Plus Credit Card ₹52,000 · Closed to new applicants · Ranked lower: includes points worth full value only in one app
Standard Chartered Bandhan Plus ₹30,000 · Closed to new applicants
Standard Chartered Platinum Elite ₹24,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,900 a year
PNB Parakram ₹33,800 · Not confirmed on sale
SBI Advantage Platinum Card ₹27,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹5,500 a year
Amex PAYBACK Credit Card ₹35,500 · Closed to new applicants
ICICI Unifare Bangalore Metro ₹30,000 · Closed to new applicants
ICICI Unifare Mumbai Metro ₹30,000 · Closed to new applicants
Chennai Super Kings ICICI Bank ₹26,700 · Closed to new applicants · Ranked higher: its bonus category adds ₹4,800 a year
Reliance Gold Credit Card ₹28,000 · Closed to new applicants
Reliance Silver Credit Card ₹28,000 · Closed to new applicants
Kotak Solaris Platinum ₹22,500 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
InterMiles HDFC Bank Platinum ₹31,000 · Closed to new applicants
SBI Platinum Card ₹27,000 · Closed to new applicants
RBL IGU NHS Golf World Card ₹31,000 · Closed to new applicants
Kotak Essentia Platinum ₹25,700 · Closed to new applicants · Ranked higher: its bonus category adds ₹4,800 a year
Andhra Bank VISA Classic Credit Card ₹30,000 · Closed to new applicants
Andhra Bank MasterCard Credit Card ₹30,000 · Closed to new applicants
Andhra Bank VISA Platinum Credit Card ₹30,000 · Closed to new applicants
Andhra Bank VISA Gold Credit Card ₹30,000 · Closed to new applicants
Eternal SBI Card ₹6,000 · Not confirmed on sale · Ranked higher: its bonus category adds ₹24,000 a year
Federal Bank VALUEMAX Credit Card ₹30,000 · Not confirmed on sale
BOBCARD Select Platinum ₹30,000 · Closed to new applicants
BOBCARD Signature ₹30,000 · Closed to new applicants
PNB Visa Signature ₹30,000 · Not confirmed on sale
Kotak Royale Signature ₹26,300 · Closed to new applicants
SpiceJet SBI Card ₹15,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹13,800 a year
Doctor's SBI Card ₹20,000 · Not confirmed on sale · Ranked higher: its bonus category adds ₹10,800 a year
Canara Bank Select / World / Signature ₹28,200 · Not confirmed on sale
Canara Bank Platinum ₹28,200 · Not confirmed on sale
Canara Bank Classic / Standard ₹28,200 · Not confirmed on sale
Canara Bank Gold ₹28,200 · Not confirmed on sale
Citibank Gold Credit Card ₹28,000 · Closed to new applicants
Citibank Woman's Credit Card ₹28,000 · Closed to new applicants
MTV Citibank Credit Card ₹28,000 · Closed to new applicants
RBL World Max ₹26,700 · Not confirmed on sale
RBL World Prime ₹27,200 · Not confirmed on sale
Chennai Metro SBI Card ₹15,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹12,000 a year
Mumbai Metro SBI Card ₹15,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹12,000 a year
HDFC Bank Regalia First ₹27,000 · Issuing paused
HDFC Bank Diners Club Rewardz ₹27,000 · Closed to new applicants
MakeMyTrip ICICI Bank Signature ₹40,400 · Closed to new applicants · Ranked lower: includes points worth full value only in one app
RBL Bank Black ₹26,200 · Closed to new applicants
Shaurya SBI Card ₹14,100 · Not confirmed on sale · Ranked higher: its bonus category adds ₹11,300 a year
RBL Monthly Treats ₹18,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹10,100 a year
Bajaj Finserv RBL Bank CA SuperCard ₹18,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹8,100 a year
Jet Airways Citibank Titanium ₹24,000 · Closed to new applicants
Jet Airways Citibank Silver ₹24,000 · Closed to new applicants
Swiggy HDFC Bank Credit Card ₹6,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹18,000 a year
SBI Apna Bazaar Card ₹23,300 · Closed to new applicants
InterMiles ICICI Bank Coral Credit Card ₹22,800 · Closed to new applicants
Kotak Veer Select ₹22,500 · Closed to new applicants
SimplySAVE Advantage SBI Card ₹10,100 · Closed to new applicants · Ranked higher: its bonus category adds ₹12,500 a year
Kotak Mojo Platinum ₹14,100 · Closed to new applicants · Ranked higher: its bonus category adds ₹7,900 a year
Apollo SBI Card ₹25,400 · Not confirmed on sale · Ranked lower: includes points worth full value only in one app
Citibank Silver Credit Card ₹21,000 · Closed to new applicants
CRY Citibank Credit Card ₹21,000 · Closed to new applicants
WWF Citibank Credit Card ₹21,000 · Closed to new applicants
Pine Labs HDFC Bank ₹20,000 · Closed to new applicants
PNB SALARY RuPay Select ₹20,000 · Not confirmed on sale
PNB RuPay Millennial ₹20,000 · Not confirmed on sale
RBL Bank MoneyTap ₹16,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹4,500 a year
HDFC Bank Solitaire ₹18,000 · Closed to new applicants
LIC Axis Bank Titanium ₹17,100 · Closed to new applicants · Ranked higher: its bonus category adds ₹2,600 a year
LIC Axis Bank Gold ₹17,100 · Closed to new applicants · Ranked higher: its bonus category adds ₹2,600 a year
PNB Patanjali RuPay Select ₹19,200 · Not confirmed on sale
PNB RuPay Select ₹19,200 · Not confirmed on sale
Kotak Urbane Gold ₹19,600 · Closed to new applicants
OneCard Metal ₹11,300 · Issuing paused · Ranked higher: its bonus category adds ₹7,200 a year
SBI UBI Gold Card ₹18,500 · Closed to new applicants
Standard Chartered Bandhan One ₹10,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹8,000 a year
HDFC Bank Easy EMI ₹9,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹9,000 a year
RBL Titanium Delight ₹16,000 · Closed to new applicants
ETMONEY RBL Bank LoanPass Credit Card ₹15,300 · Closed to new applicants
JetPrivilege HDFC Bank Titanium ₹15,500 · Closed to new applicants
RBL Bank MoCash ₹15,000 · Closed to new applicants
Bajaj Finserv RBL Bank Doctor's SuperCard ₹16,000 · Closed to new applicants
BOBCARD Prime ₹15,400 · Not confirmed on sale
RBL Bank novio ₹9,900 · Closed to new applicants · Ranked higher: its bonus category adds ₹5,300 a year
BOBCARD ConQR ₹15,000 · Not confirmed on sale
PNB SALARY RuPay Platinum ₹15,000 · Not confirmed on sale
Toyota ICICI Bank Co-Branded ₹15,000 · Closed to new applicants
ICICI Bank Gitanjali Jewellery ₹15,000 · Closed to new applicants
SBI Doctors Card ₹15,000 · Closed to new applicants
Kotak Veer Platinum ₹15,000 · Closed to new applicants
PNB BLISS ₹15,000 · Not confirmed on sale
SBI Silver & More Card ₹15,000 · Closed to new applicants
BOBCARD Titanium ₹15,000 · Closed to new applicants
YES Prosperity Rewards ₹15,000 · Closed to new applicants
RBL Platinum Classic ₹15,000 · Issuing paused
IndusInd Bank Gold Credit Card ₹15,000 · Closed to new applicants
HDFC Bank MoneyBack (original) ₹15,000 · Closed to new applicants
BOBCARD Assure ₹15,000 · Closed to new applicants
BOBCARD Bombay Bullion ₹15,000 · Closed to new applicants
BOBCARD Elite Platinum ₹15,000 · Closed to new applicants
RBL Freedom SuperCard ₹15,000 · Closed to new applicants
PNB EMT RuPay Platinum ₹15,000 · Not confirmed on sale
SyndicateBank Global Credit Card Classic ₹14,700 · Closed to new applicants
PNB Patanjali RuPay Platinum ₹14,500 · Not confirmed on sale
PNB RuPay Platinum ₹14,500 · Not confirmed on sale
SyndicateBank Global Credit Card Gold ₹14,500 · Closed to new applicants
Federal Bank SBI Gold 'N More ₹14,500 · Closed to new applicants
ICICI Bank HPCL Gold ₹14,500 · Closed to new applicants
ICICI Bank HPCL Silver ₹14,500 · Closed to new applicants
SBI UBI Card ₹14,300 · Closed to new applicants
SBI Card Unnati ₹14,100 · Not confirmed on sale
RBL vCard ₹10,600 · Closed to new applicants · Ranked higher: its bonus category adds ₹2,700 a year
IOB Gold Credit Card ₹12,000 · Closed to new applicants
IOB Classic Credit Card ₹12,000 · Closed to new applicants
MagniFi (Federal Bank) ₹6,000 · Closed to new applicants · Ranked higher: its bonus category adds ₹6,000 a year
SBI Employee Card ₹12,000 · Closed to new applicants
Hero Honda SBI Card ₹11,500 · Closed to new applicants
SBI Advantage Card (pre-2009) ₹11,300 · Closed to new applicants
SBI Mumbai Card ₹11,300 · Closed to new applicants
SBI Gold Card (pre-2009) ₹10,500 · Closed to new applicants
PVR Kotak Platinum ₹8,600 · Closed to new applicants
Equitas Tiga Secured ₹8,000 · Not confirmed on sale
HDFC Bank Titanium Times ₹6,000 · Closed to new applicants
Kotak Delight Platinum −₹300 · Not confirmed on sale · Ranked higher: its bonus category adds ₹7,200 a year
Kotak Feast Gold −₹500 · Closed to new applicants · Ranked higher: its bonus category adds ₹7,200 a year
RBL Bank Fun+ ₹6,000 · Closed to new applicants
ABN AMRO One ₹5,400 · Closed to new applicants
Google Pay Flex SBI Card ₹18,000 · Not confirmed on sale · Ranked lower: includes a promotional reward rate
PVR Kotak Gold ₹4,300 · Closed to new applicants
ABN AMRO Titanium One ₹4,000 · Closed to new applicants
HDFC Bank Bharat ₹0 · Closed to new applicants · Ranked higher: its bonus category adds ₹1,800 a year
IB-VISA-Bharat ₹0 · Not confirmed on sale
IB-RuPay-Classic ₹0 · Not confirmed on sale

How we rank

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. No lounge or soft-benefit garnish in the figure — this is the same engine the spend-range ranking uses. The order uses the same figures with these corrections, so a card cannot lead on money a reader rarely collects: fixed rupee vouchers count at half their face value, while a free night paid in the card’s own points counts in full, like any other points; points that are only worth their full value inside one app count at what they fetch anywhere else; a reward tier the issuer calls promotional does not count, and a base rate the issuer time-boxes counts only at the rate it publishes for afterwards, or not at all; each card’s published bonus category counts on a realistic share of spend; a card offered only by invitation from the bank’s own clients, or only to one profession, never ranks first, and below ₹1 lakh a month stays out of the top five; and a card the bank keeps only above a yearly spend it publishes ranks below every card without that bar when your spend falls short of it. Invite-only cards rank where their value puts them: at this spend, you'll get the invite — but the first place goes to a card you can apply for.

Every figure comes from each card's own published fee and earn rate. How we value cards.

Questions

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

Axis Magnus. Run all 651 priced cards through the one value engine at ₹5L a month — ₹60L a year — at the everyday mix, and it pays ₹2,70,000 net of its fee and ranks first of every card you can apply for. 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.

How many cards are in this high spenders ranking?

Every one of the 651 priced Indian personal cards we track is ranked here — nothing is filtered out. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 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 /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

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 26 Oct 2026; the ranking 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?

135 of the 651 ranked here are lifetime free. The best on net ₹/yr at ₹5L/mo is IndusInd Tiger at ₹2,74,100. This board's call, Axis Magnus, costs ₹12,500/yr and reaches ₹2,70,000 — that gap is what the fee buys.

Is Axis Magnus better than Axis Magnus for Burgundy?

On what this board ranks — net ₹/yr at ₹5L/mo — yes: ₹2,70,000 against ₹5,40,000. That is the whole claim, and a narrow one. No card wins overall: 24 boards, 24 questions.