Skip to content

Credit cards in India

Every card ranked by what it pays you back a year, after its fee. Our top pick you can apply for today is HDFC Diners Club Black Metal, worth ₹28,200 a year at ₹75,000 a month, plus ₹11,900 from its bonus category.

Filters
Reset

Showing 20 of 397 cards at ₹75,000 a month. Best first by what each card pays back. Bonus categories count; vouchers count at half. How we rank

  1. HDFC Diners Club Black Metal credit card

    HDFC Diners Club Black Metal

    HDFC Bank

    ₹28,200 a year, after fees

    ₹10,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%–33.3%

    Ranked higher: its bonus category adds ₹11,900 a year

    Keep

  2. IndusInd Tiger credit card

    IndusInd Tiger

    IndusInd Bank

    ₹32,000 a year, after fees

    ₹0 fee · Lounges in India and abroad · 1.5% forex markup · Reward rate 1%–6%

    Keep

  3. HSBC TravelOne credit card

    HSBC TravelOne

    HSBC

    ₹25,200 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · 20 transfer partners · Reward rate 4%–8%

    Keep

  4. KrisFlyer SBI Card APEX credit card

    KrisFlyer SBI Card APEX

    SBI Card

    ₹25,900 a year, after fees

    ₹9,999 fee · Lounges in India and abroad · Reward rate 3.3%–5.5%

    Keep

  5. HDFC Regalia Gold credit card

    HDFC Regalia Gold

    HDFC Bank

    ₹29,800 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1.6%–16.3%

    Keep

  6. HSBC Premier (Metal) credit card

    HSBC Premier (Metal)

    HSBC

    ₹30,800 a year, after fees

    ₹12,000 joining + ₹20,000/yr · Lounges in India and abroad · 0.99% forex markup · Reward rate 6%

    Keep

  7. BOBCARD Etihad Guest credit card

    BOBCARD Etihad Guest

    BOBCARD (Bank of Baroda)

    ₹31,500 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · 1% forex markup · Reward rate 1%–3%

    Its milestone pays only from ₹7.5 lakh a year — the low end of this range

    Keep

  8. BOBCARD Etihad Guest Premium credit card

    BOBCARD Etihad Guest Premium

    BOBCARD (Bank of Baroda)

    ₹22,900 a year, after fees

    ₹5,000 fee · Lounges in India and abroad · No forex markup · Reward rate 2%–6%

    Keep

  9. IndusInd Avios Visa Infinite credit card

    IndusInd Avios Visa Infinite

    IndusInd Bank

    ₹29,800 a year, after fees

    ₹10,000 joining + ₹5,000/yr · Lounges in India and abroad · 1.5% forex markup · Reward rate 1.5%–3%

    Its milestone pays only from ₹8 lakh a year — the low end of this range

    Keep

  10. HSBC Live+ credit card

    HSBC Live+

    HSBC

    ₹12,700 a year, after fees

    ₹999 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 1.5%–10%

    Ranked higher: its bonus category adds ₹10,400 a year

    Keep

  11. Bandhan Bank Flare Credit Card

    Bandhan Bank

    ₹26,300 a year, after fees

    ₹2,499 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 1.3%–2.5%

    Keep

  12. Swiggy BLCK HDFC Bank Credit Card

    Swiggy BLCK HDFC Bank Credit Card

    HDFC Bank

    ₹8,500 a year, after fees

    ₹1,000 fee · Reward rate 1%–10%

    Ranked higher: its bonus category adds ₹14,300 a year

    Keep

  13. Axis Miles & More World Select credit card

    Axis Miles & More World Select

    Axis Bank

    ₹22,200 a year, after fees

    ₹10,000 joining + ₹4,500/yr · Lounges in India and abroad · Reward rate 3%

    Keep

  14. YES Bank Marquee credit card

    YES Bank Marquee

    YES Bank

    ₹18,100 a year, after fees

    ₹9,999 joining + ₹4,999/yr · Lounges in India and abroad · 1% forex markup · Reward rate 2.3%–4.5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Keep

  15. Marriott Bonvoy HDFC Bank credit card

    Marriott Bonvoy HDFC Bank

    HDFC Bank

    ₹17,600 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · Reward rate 0.7%–2.7%

    Keep

  16. Axis Magnus for Burgundy

    Axis Bank

    ₹6,300 a year, after fees

    ₹30,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 4.8%–24%

    Ranked higher: its bonus category adds ₹13,800 a year

    Keep

  18. Kotak Air+ Prime

    Kotak Mahindra Bank

    ₹15,100 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 2%–5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Keep

  19. Kotak Air+

    Kotak Mahindra Bank

    ₹15,100 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 2%–5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Keep

  20. Tata Neu Infinity HDFC Bank credit card

    Tata Neu Infinity HDFC Bank

    HDFC Bank

    ₹12,700 a year, after fees

    ₹1,499 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1.5%–10%

    Ranked higher: its bonus category adds ₹6,300 a year

    Keep

See every card, by bank

How we rank

Each card is priced at the monthly spend you pick, on a typical Indian spending mix: its own published earn rate on each kind of spend, plus its milestone and bonus payouts, minus its fee. That is the ₹ a year on each tile. Cards we say to keep come first, then downgrade, then cancel. 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. Where that moves a card well away from its ₹ figure, the tile says why.

More ways to choose

Every card, by bank

All 1,137 cards we track, including closed ones and cards we cannot value, grouped by bank.

Show all 58 banks 1,137 cards
ABN AMRO Bank 11 cards

All ABN AMRO Bank credit cards

Allahabad Bank 1 card
American Express 20 cards

All American Express credit cards

Andhra Bank 7 cards

All Andhra Bank credit cards

AU Small Finance Bank 31 cards

All AU Small Finance Bank credit cards

Axis Bank 79 cards

All Axis Bank credit cards

Bandhan Bank 5 cards

All Bandhan Bank credit cards

Bank of India 8 cards

All Bank of India credit cards

Bank of Maharashtra 2 cards

All Bank of Maharashtra credit cards

Bank of Rajasthan 4 cards

All Bank of Rajasthan credit cards

Barclays Bank 6 cards

All Barclays Bank credit cards

BOBCARD (Bank of Baroda) 45 cards

All BOBCARD (Bank of Baroda) credit cards

Canara Bank 5 cards

All Canara Bank credit cards

Central Bank of India 7 cards

All Central Bank of India credit cards

Centurion Bank of Punjab 1 card
Citibank 39 cards

All Citibank credit cards

City Union Bank 11 cards

All City Union Bank credit cards

Corporation Bank 3 cards

All Corporation Bank credit cards

CSB Bank 3 cards

All CSB Bank credit cards

DBS Bank India 13 cards

All DBS Bank India credit cards

DCB Bank 6 cards

All DCB Bank credit cards

Dena Bank 1 card
Deutsche Bank 13 cards

All Deutsche Bank credit cards

Dhanlaxmi Bank 3 cards

All Dhanlaxmi Bank credit cards

Equitas Small Finance Bank 6 cards

All Equitas Small Finance Bank credit cards

ESAF Small Finance Bank 1 card
Federal Bank 12 cards

All Federal Bank credit cards

HDFC Bank 116 cards

All HDFC Bank credit cards

HSBC 20 cards

All HSBC credit cards

ICICI Bank 101 cards

All ICICI Bank credit cards

IDBI Bank 7 cards

All IDBI Bank credit cards

IDFC FIRST Bank 29 cards

All IDFC FIRST Bank credit cards

Indian Bank 10 cards

All Indian Bank credit cards

Indian Overseas Bank 12 cards

All Indian Overseas Bank credit cards

IndusInd Bank 51 cards

All IndusInd Bank credit cards

ING Vysya Bank 2 cards

All ING Vysya Bank credit cards

Jammu & Kashmir Bank 5 cards

All Jammu & Kashmir Bank credit cards

Karur Vysya Bank 7 cards

All Karur Vysya Bank credit cards

Kotak Mahindra Bank 58 cards

All Kotak Mahindra Bank credit cards

OneCard (issued via partner banks) 1 card
Punjab & Maharashtra Co-operative Bank 4 cards

All Punjab & Maharashtra Co-operative Bank credit cards

Punjab National Bank 31 cards

All Punjab National Bank credit cards

RBL Bank 97 cards

All RBL Bank credit cards

Saraswat Co-operative Bank 2 cards

All Saraswat Co-operative Bank credit cards

SBI Card 121 cards

All SBI Card credit cards

SBM Bank (India) 8 cards

All SBM Bank (India) credit cards

SBM Bank India (Niyo) 1 card
slice Small Finance Bank 1 card
Standard Chartered 22 cards

All Standard Chartered credit cards

Suryoday Small Finance Bank 2 cards

All Suryoday Small Finance Bank credit cards

Syndicate Bank 2 cards

All Syndicate Bank credit cards

Tamilnad Mercantile Bank 7 cards

All Tamilnad Mercantile Bank credit cards

Union Bank of India 17 cards

All Union Bank of India credit cards

United Western Bank 1 card
Unity Small Finance Bank 2 cards

All Unity Small Finance Bank credit cards

Utkarsh Small Finance Bank 5 cards

All Utkarsh Small Finance Bank credit cards

Vijaya Bank 9 cards

All Vijaya Bank credit cards

YES Bank 43 cards

All YES Bank credit cards