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Credit cards we compare: the best for each spend

Pick what you spend on most, then compare fees and the value you actually get back. Every number comes from the bank's own site.

The best card we compare for each spend

The top card on each ranked page, by the value you get back on that spend (or, for lounge access, by visits). Open a page to see the full ranking and the conditions.

  1. Lifetime free

    Scapia Federal Bank Credit Card (Visa + complimentary RuPay)2% on everyday spends · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.See all 23 cards
  2. Fuel

    IndianOil RBL Bank XTRA Credit Card7.5% on fuel · ₹1,500 joining, ₹1,500 a year

    Apply nowVia our referral partner. We may earn a commission.See all 5 cards
  3. Online shopping and groceries

    CASHBACK SBI Card5% on online shopping · ₹999 joining, ₹999 a year

    Apply nowVia our referral partner. We may earn a commission.See all 23 cards
  4. UPI and RuPay

    Axis Bank SUPERMONEY RuPay Credit Card3% on UPI · Lifetime free

    View on Axis Bank siteIssuer's site. We don't earn from this card.See all 30 cards
  5. Cashback

    CASHBACK SBI Card5% on online shopping · ₹999 joining, ₹999 a year

    Apply nowVia our referral partner. We may earn a commission.See all 15 cards
  6. Movies and dining

    HSBC RuPay Cashback Credit Card10% on dining and food delivery · ₹499 joining, ₹499 a year

    View on HSBC siteIssuer's site. We don't earn from this card.See all 29 cards
  7. Bills and utilities

    HSBC Live+ Credit Card10% on bills and utilities · ₹999 joining, ₹999 a year

    Apply nowVia our referral partner. We may earn a commission.See all 16 cards
  8. Self-employed

    Amazon Pay ICICI Bank Credit Card1% on everyday spends · Lifetime free

    View on Amazon siteIssuer's site. We don't earn from this card.See all 32 cards
  9. Travel and lounges

    CheQ AU Credit Card (AU Small Finance Bank)6% on travel · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.See all 24 cards
  10. Zero forex

    Scapia Federal Bank Credit Card (Visa + complimentary RuPay)4% on travel · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.See all 14 cards
  11. Airport lounge access

    HDFC Bank Diners Club Black Metal Edition Credit CardUnlimited domestic + unlimited international lounge visits · ₹10,000 joining, ₹10,000 a year

    View on HDFC Bank siteIssuer's site. We don't earn from this card.See all 38 cards
  12. Premium

    HDFC Bank Diners Club Black Metal Edition Credit Card3.33% on everyday spends · ₹10,000 joining, ₹10,000 a year

    View on HDFC Bank siteIssuer's site. We don't earn from this card.See all 18 cards
  13. Students and beginners

    Kotak811 Dream Different Credit Card2% on everyday spends · ₹424 joining, no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.See all 5 cards
  14. Against FD

    Kotak811 Dream Different Credit Card2% on everyday spends · ₹424 joining, no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.See all 6 cards

Fees exclude GST. Ranking never depends on whether we earn from a card.

What changed lately: card changes and devaluations · Market data: credit cards by bank (RBI) · download the card data

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All 77 cards in one table

Filter every card we compare by bank, annual fee, UPI or airport lounge access, and sort by fee or value back.

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Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.