Compare credit cards side by side

All 77 cards we compare, from 18 banks. Filter by bank, fee, lounge or UPI.

Last verified 20 Oct 2026 · how we compare

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BankCard nameAnnual feeGood forAirport loungeNetwork

Works on UPI (RuPay)Lounge with no spend condition

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Works on UPI (RuPay)Lounge with no spend condition

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Showing 77 of 77 cards

Credit cards we compare, filtered and sorted as chosen above
Card	Fees	Base rate	Best rate	Airport lounge	UPI	Forex	Apply
CheQ AU Credit Card (AU Small Finance Bank)AU Small Finance Bank	Lifetime free	0.5%	6% on bills and utilitiescaps apply	None	Yes	Not published	Apply nowVia our referral partner. We may earn a commission.
Airtel Axis Bank Credit CardAxis Bank	₹500 joining, ₹500 a year	1%	1% on online shopping	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
Axis Bank Horizon Credit CardAxis Bank	₹3,000 joining, ₹3,000 a year	2%	5% on travel	24 domestic + 8 international a year · no spend condition published	No	3.5%	View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank Magnus Credit CardAxis Bank	₹12,500 joining, ₹12,500 a year	1.2%	1.2% on online shopping	Unlimited domestic + unlimited international · after ₹50,000 in the previous 3 months	No	2%	Apply nowVia our referral partner. We may earn a commission.
Axis Bank Magnus for Burgundy Credit CardAxis Bank	₹30,000 joining, ₹30,000 a year	1.2%	1.2% on online shopping	Unlimited domestic + unlimited international · after ₹50,000 in the previous 3 months	No	2%	View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank MY ZONE Credit CardAxis Bank	₹500 joining, ₹500 a year	0.4%	0.4% on online shopping	4 domestic a year · after ₹50,000 in the previous 3 months	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
Axis Bank MY Zone Easy Credit CardAxis Bank	₹500 joining, ₹500 a year	Not published	Not published	None	No	3.5%	View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank Neo Credit CardAxis Bank	₹250 joining, ₹250 a year	Not published	Not published	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
Axis Bank Select Credit CardAxis Bank	₹3,000 joining, ₹3,000 a year	1%	2% on groceriescaps apply	8 domestic + 6 international a year · after ₹50,000 in the previous 3 months	No	3.5%	View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank SUPERMONEY RuPay Credit CardAxis Bank	Lifetime free	1%	3% on UPIcaps apply	None	Yes	3.5%	View on Axis Bank siteIssuer's site. We don't earn from this card.
Flipkart Axis Bank Credit CardAxis Bank	₹500 joining, ₹500 a year	1%	4% on dining and food delivery	None	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
IndianOil Axis Bank Credit CardAxis Bank	₹500 joining, ₹500 a year	0.2%	4% on fuelcaps apply	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
LIC Axis Bank Platinum Credit CardAxis Bank	Lifetime free	0.66%	0.66% on online shopping	None	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
LIC Axis Bank Signature Credit CardAxis Bank	Lifetime free	1%	1% on online shopping	8 domestic a year · after ₹50,000 in the previous 3 months	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
Uni GoldX Credit Card (BOBCARD)BOBCARD (Bank of Baroda)	Lifetime free	1%	1% on online shopping	None	Yes	0%	Apply nowVia our referral partner. We may earn a commission.
SalarySe Level UP Credit Card (City Union Bank)City Union Bank	Lifetime free	1%	1% on online shoppingcaps apply	12 domestic a year · after ₹10,000 in a billing cycle	Yes	2%	Apply nowVia our referral partner. We may earn a commission.
Jupiter Edge+ RuPay Credit Card (CSB Bank)CSB Bank	₹999 joining, no annual fee	1%	1% on UPI	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
OneCard (One Credit Card)Federal Bank	Lifetime free	Not published	Not published	None	No	1%	View on OneCard siteIssuer's site. We don't earn from this card.
Scapia Federal Bank Credit Card (Visa + complimentary RuPay)Federal Bank	Lifetime free	2%	4% on travel	Unlimited domestic · after ₹20,000 in the previous month	Yes	0%	Apply nowVia our referral partner. We may earn a commission.
HDFC Bank Diners Club Black Metal Edition Credit CardHDFC Bank	₹10,000 joining, ₹10,000 a year	3.33%	3.33% on online shoppingcaps apply	Unlimited domestic + unlimited international · no spend condition published	No	2%	View on HDFC Bank siteIssuer's site. We don't earn from this card.
HDFC Bank Diners Club Privilege Credit CardHDFC Bank	₹1,000 joining, ₹1,000 a year	Not published	Not published	8 domestic + 4 international a year · after ₹60,000 in the quarter	No	3.5%	View on HDFC Bank siteIssuer's site. We don't earn from this card.
HDFC Bank INFINIA Credit Card Metal EditionHDFC Bank	₹12,500 joining, ₹12,500 a year	3.33%	3.33% on online shoppingcaps apply	Unlimited domestic + unlimited international · no spend condition published	No	2%	View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
HDFC Bank Millennia Credit CardHDFC Bank	₹1,000 joining, ₹1,000 a year	1%	5% on online shoppingcaps apply	4 domestic a year · after ₹1,00,000 in the quarter	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
HDFC Bank MoneyBack+ Credit CardHDFC Bank	₹500 joining, ₹500 a year	0.2%	2% on online shoppingcaps apply	None	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
HDFC Bank PIXEL Play Credit CardHDFC Bank	₹500 joining, ₹500 a year	1%	5% on groceriescaps apply	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
HDFC Bank Regalia Gold Credit CardHDFC Bank	₹2,500 joining, ₹2,500 a year	1.25%	1.25% on online shoppingcaps apply	12 domestic + 6 international a year · after ₹60,000 in the quarter	No	2%	View on HDFC Bank siteIssuer's site. We don't earn from this card.
HDFC Bank UPI RuPay Credit CardHDFC Bank	₹99 joining, ₹99 a year	0.25%	0.75% on groceriescaps apply	None	Yes	3.5%	View on HDFC Bank siteIssuer's site. We don't earn from this card.
Marriott Bonvoy HDFC Bank Credit CardHDFC Bank	₹3,000 joining, ₹3,000 a year	Not published	Not published	12 domestic + 12 international a year · no spend condition published	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
Swiggy BLCK HDFC Bank Credit CardHDFC Bank	₹1,000 joining, ₹1,000 a year	1%	10% on dining and food deliverycaps apply	None	No	3.5%	View on HDFC Bank siteIssuer's site. We don't earn from this card.
Tata Neu Infinity HDFC Bank Credit CardHDFC Bank	₹1,499 joining, ₹1,499 a year	1.5%	1.5% on online shoppingcaps apply	8 domestic + 4 international a year · after ₹50,000 in the quarter	Yes	2%	Apply nowVia our referral partner. We may earn a commission.
Tata Neu Plus HDFC Bank Credit CardHDFC Bank	₹499 joining, ₹499 a year	1%	1% on online shoppingcaps apply	4 domestic a year · after ₹50,000 in the quarter	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
HSBC Live+ Credit CardHSBC India	₹999 joining, ₹999 a year	1.5%	10% on groceriescaps apply	2 domestic + 1 international a year · no spend condition published	No	1.99%	Apply nowVia our referral partner. We may earn a commission.
HSBC Premier Credit CardHSBC India	₹12,000 joining, ₹20,000 a year	3%	3% on online shoppingcaps apply	Unlimited domestic + unlimited international · no spend condition published	No	0.99%	View on HSBC siteIssuer's site. We don't earn from this card.
HSBC RuPay Cashback Credit CardHSBC India	₹499 joining, ₹499 a year	1%	10% on groceriescaps apply	8 domestic + 2 international a year · no spend condition published	Yes	3.5%	View on HSBC siteIssuer's site. We don't earn from this card.
HSBC RuPay Platinum Credit CardHSBC India	Lifetime free	Not published	Not published	None	Yes	3.5%	View on HSBC siteIssuer's site. We don't earn from this card.
HSBC TravelOne Credit CardHSBC India	₹4,999 joining, ₹4,999 a year	Not published	Not published	6 domestic + 4 international a year · no spend condition published	No	3.5%	View on HSBC siteIssuer's site. We don't earn from this card.
HSBC Visa Platinum Credit CardHSBC India	Lifetime free	Not published	Not published	None	No	3.5%	View on HSBC siteIssuer's site. We don't earn from this card.
Amazon Pay ICICI Bank Credit CardICICI Bank	Lifetime free	1%	2% on bills and utilities	None	No	1.99%	View on Amazon siteIssuer's site. We don't earn from this card.
ICICI Bank Coral RuPay Credit CardICICI Bank	₹500 joining, ₹500 a year	Not published	Not published	4 domestic a year · after ₹75,000 in the quarter	Yes	3.5%	View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Emeralde Credit CardICICI Bank	₹12,000 joining, ₹12,000 a year	Not published	Not published	Unlimited domestic + unlimited international · no spend condition published	No	2%	View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Emeralde Private Metal Credit CardICICI Bank	₹12,499 joining, ₹12,499 a year	3%	3% on online shoppingcaps apply	Unlimited domestic + unlimited international · no spend condition published	No	2%	View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
ICICI Bank Instant Platinum Credit CardICICI Bank	Lifetime free	Not published	Not published	None	No	3.5%	View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Rubyx Credit CardICICI Bank	₹3,000 joining, ₹2,000 a year	Not published	Not published	8 domestic a year · after ₹75,000 in the quarter	Yes	3.5%	View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Sapphiro Credit CardICICI Bank	₹6,500 joining, ₹3,500 a year	Not published	Not published	16 domestic + 2 international a year · after ₹75,000 in the quarter	Yes	3.5%	View on ICICI Bank siteIssuer's site. We don't earn from this card.
Times Black ICICI Bank Credit CardICICI Bank	₹20,000 joining, ₹20,000 a year	2%	2% on online shoppingcaps apply	Unlimited domestic + unlimited international · no spend condition published	No	1.49%	View on ICICI Bank siteIssuer's site. We don't earn from this card.
IDFC FIRST Bank HPCL FIRST Power Credit CardIDFC FIRST Bank	₹199 joining, ₹199 a year	0.33%	3.5% on fuelcaps apply	None	Yes	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Bank HPCL FIRST Power+ Credit CardIDFC FIRST Bank	₹499 joining, ₹499 a year	0.5%	5% on groceriescaps apply	4 domestic a year · after ₹20,000 in the previous month	Yes	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Classic Credit CardIDFC FIRST Bank	Lifetime free	0.38%	1.25% on travel	Railway lounges only	No	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Mayura Credit CardIDFC FIRST Bank	₹5,999 joining, ₹5,999 a year	1.67%	1.67% on online shopping	16 domestic + 16 international a year · after ₹20,000 in the previous month	No	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Millennia Credit CardIDFC FIRST Bank	Lifetime free	0.38%	1.25% on travel	Railway lounges only	No	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Select Credit CardIDFC FIRST Bank	Lifetime free	0.38%	1.25% on travel	4 domestic a year · after ₹20,000 in the previous month	No	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST SWYP Credit CardIDFC FIRST Bank	₹499 joining, ₹499 a year	Not published	Not published	Railway lounges only	No	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Wealth Credit CardIDFC FIRST Bank	Lifetime free	0.38%	1.25% on travel	4 domestic + 4 international a year · after ₹20,000 in the previous month	No	0%	Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST WOW! Credit CardIDFC FIRST Bank	Lifetime free	0.5%	0.5% on online shopping	None	No	0%	Apply nowVia our referral partner. We may earn a commission.
EazyDiner IndusInd Bank Platinum Credit CardIndusInd Bank	Lifetime free	0.4%	0.4% on online shopping	None	Yes	3.5%	View on IndusInd Bank siteIssuer's site. We don't earn from this card.
IndusInd Bank Platinum RuPay Credit CardIndusInd Bank	₹10,000 joining, no annual fee	0.6%	1.2% on UPI	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
IndusInd Bank Tiger Credit CardIndusInd Bank	Lifetime free	0.4%	0.4% on dining and food delivery	8 domestic + 2 international a year · no spend condition published	No	1.5%	Apply nowVia our referral partner. We may earn a commission.
Kotak League Platinum Credit CardKotak Mahindra Bank	₹499 joining, ₹499 a year	0.27%	0.53% on travelcaps apply	None	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
Kotak811 Dream Different Credit CardKotak Mahindra Bank	₹424 joining, no annual fee	2%	2% on online shoppingcaps apply	None	Yes	2%	View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
Kotak811 super.money Credit CardKotak Mahindra Bank	₹249 joining, no annual fee	1%	1% on online shoppingcaps apply	None	Yes	2%	View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
Kiwi RuPay Credit Card (PNB)Punjab National Bank	Lifetime free	Not published	1.5% on UPIcaps apply	Not published	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
IndianOil RBL Bank XTRA Credit CardRBL Bank	₹1,500 joining, ₹1,500 a year	1%	7.5% on fuelcaps apply	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
RBL Bank ShopRite Credit CardRBL Bank	₹500 joining, ₹500 a year	0.25%	5% on groceriescaps apply	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
BPCL SBI Card OCTANESBI	₹1,499 joining, ₹1,499 a year	0.25%	6.25% on fuelcaps apply	4 domestic a year · no spend condition published	Yes	3.5%	View on SBI Card siteIssuer's site. We don't earn from this card.
CASHBACK SBI CardSBI	₹999 joining, ₹999 a year	1%	5% on online shoppingcaps apply	None	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
PhonePe SBI Card PURPLESBI	₹499 joining, ₹499 a year	1%	3% on bills and utilitiescaps apply	None	Yes	3.5%	View on PhonePe siteIssuer's site. We don't earn from this card.
PhonePe SBI Card SELECT BLACKSBI	₹1,499 joining, ₹1,499 a year	1%	10% on bills and utilitiescaps apply	4 domestic a year · no spend condition published	Yes	3.5%	View on PhonePe siteIssuer's site. We don't earn from this card.
SBI Card ELITESBI	₹4,999 joining, ₹4,999 a year	0.5%	2.5% on groceriescaps apply	8 domestic + 6 international a year · no spend condition published	No	1.99%	Apply nowVia our referral partner. We may earn a commission.
SBI Card MILES ELITESBI	₹4,999 joining, ₹4,999 a year	0.5%	1.5% on travelcaps apply	8 domestic + 6 international a year · no spend condition published	Yes	1.99%	Apply nowVia our referral partner. We may earn a commission.
SBI Card PRIMESBI	₹2,999 joining, ₹2,999 a year	0.5%	2.5% on groceriescaps apply	8 domestic + 4 international a year · no spend condition published	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
SBI Card PULSESBI	₹1,499 joining, ₹1,499 a year	0.5%	2.5% on dining and food delivery	4 domestic a year · no spend condition published	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
SimplyCLICK SBI CardSBI	₹499 joining, ₹499 a year	Not published	Not published	None	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
SimplySAVE SBI CardSBI	₹499 joining, ₹499 a year	0.17%	1.67% on groceriescaps apply	None	No	3.5%	Apply nowVia our referral partner. We may earn a commission.
Suryoday SFB Stable Money RuPay Platinum Credit CardSuryoday Small Finance Bank	Lifetime free	0.5%	0.5% on online shoppingcaps apply	8 domestic + 2 international a year · no spend condition published	Yes	0%	View on Stable Money siteIssuer's site. We don't earn from this card.
Roarbank UPI Credit Card (Unity Small Finance Bank)Unity Small Finance Bank	Lifetime free	Not published	1% on bills and utilitiescaps apply	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
Kiwi RuPay Credit Card (YES Bank Klick)YES Bank	Lifetime free	Not published	1.5% on UPIcaps apply	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.
YES BANK POP-CLUB Credit CardYES Bank	Free joining, ₹399 a year	Not published	Not published	None	Yes	3.5%	Apply nowVia our referral partner. We may earn a commission.

CheQ AU Credit Card (AU Small Finance Bank)AU Small Finance Bank
Fees
Lifetime free
Base rate
0.5%
Best rate
6% on bills and utilities (caps apply)
Lounge
None
UPI · Forex
Yes · Not published
Apply nowVia our referral partner. We may earn a commission.
Airtel Axis Bank Credit CardAxis Bank
Fees
₹500 joining, ₹500 a year
Base rate
1%
Best rate
1% on online shopping
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Axis Bank Horizon Credit CardAxis Bank
Fees
₹3,000 joining, ₹3,000 a year
Base rate
2%
Best rate
5% on travel
Lounge
24 domestic + 8 international a year · no spend condition published
UPI · Forex
No · 3.5%
View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank Magnus Credit CardAxis Bank
Fees
₹12,500 joining, ₹12,500 a year
Base rate
1.2%
Best rate
1.2% on online shopping
Lounge
Unlimited domestic + unlimited international · after ₹50,000 in the previous 3 months
UPI · Forex
No · 2%
Apply nowVia our referral partner. We may earn a commission.
Axis Bank Magnus for Burgundy Credit CardAxis Bank
Fees
₹30,000 joining, ₹30,000 a year
Base rate
1.2%
Best rate
1.2% on online shopping
Lounge
Unlimited domestic + unlimited international · after ₹50,000 in the previous 3 months
UPI · Forex
No · 2%
View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank MY ZONE Credit CardAxis Bank
Fees
₹500 joining, ₹500 a year
Base rate
0.4%
Best rate
0.4% on online shopping
Lounge
4 domestic a year · after ₹50,000 in the previous 3 months
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Axis Bank MY Zone Easy Credit CardAxis Bank
Fees
₹500 joining, ₹500 a year
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
No · 3.5%
View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank Neo Credit CardAxis Bank
Fees
₹250 joining, ₹250 a year
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Axis Bank Select Credit CardAxis Bank
Fees
₹3,000 joining, ₹3,000 a year
Base rate
1%
Best rate
2% on groceries (caps apply)
Lounge
8 domestic + 6 international a year · after ₹50,000 in the previous 3 months
UPI · Forex
No · 3.5%
View on Axis Bank siteIssuer's site. We don't earn from this card.
Axis Bank SUPERMONEY RuPay Credit CardAxis Bank
Fees
Lifetime free
Base rate
1%
Best rate
3% on UPI (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
View on Axis Bank siteIssuer's site. We don't earn from this card.
Flipkart Axis Bank Credit CardAxis Bank
Fees
₹500 joining, ₹500 a year
Base rate
1%
Best rate
4% on dining and food delivery
Lounge
None
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
IndianOil Axis Bank Credit CardAxis Bank
Fees
₹500 joining, ₹500 a year
Base rate
0.2%
Best rate
4% on fuel (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
LIC Axis Bank Platinum Credit CardAxis Bank
Fees
Lifetime free
Base rate
0.66%
Best rate
0.66% on online shopping
Lounge
None
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
LIC Axis Bank Signature Credit CardAxis Bank
Fees
Lifetime free
Base rate
1%
Best rate
1% on online shopping
Lounge
8 domestic a year · after ₹50,000 in the previous 3 months
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Uni GoldX Credit Card (BOBCARD)BOBCARD (Bank of Baroda)
Fees
Lifetime free
Base rate
1%
Best rate
1% on online shopping
Lounge
None
UPI · Forex
Yes · 0%
Apply nowVia our referral partner. We may earn a commission.
SalarySe Level UP Credit Card (City Union Bank)City Union Bank
Fees
Lifetime free
Base rate
1%
Best rate
1% on online shopping (caps apply)
Lounge
12 domestic a year · after ₹10,000 in a billing cycle
UPI · Forex
Yes · 2%
Apply nowVia our referral partner. We may earn a commission.
Jupiter Edge+ RuPay Credit Card (CSB Bank)CSB Bank
Fees
₹999 joining, no annual fee
Base rate
1%
Best rate
1% on UPI
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
OneCard (One Credit Card)Federal Bank
Fees
Lifetime free
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
No · 1%
View on OneCard siteIssuer's site. We don't earn from this card.
Scapia Federal Bank Credit Card (Visa + complimentary RuPay)Federal Bank
Fees
Lifetime free
Base rate
2%
Best rate
4% on travel
Lounge
Unlimited domestic · after ₹20,000 in the previous month
UPI · Forex
Yes · 0%
Apply nowVia our referral partner. We may earn a commission.
HDFC Bank Diners Club Black Metal Edition Credit CardHDFC Bank
Fees
₹10,000 joining, ₹10,000 a year
Base rate
3.33%
Best rate
3.33% on online shopping (caps apply)
Lounge
Unlimited domestic + unlimited international · no spend condition published
UPI · Forex
No · 2%
View on HDFC Bank siteIssuer's site. We don't earn from this card.
HDFC Bank Diners Club Privilege Credit CardHDFC Bank
Fees
₹1,000 joining, ₹1,000 a year
Base rate
Not published
Best rate
Not published
Lounge
8 domestic + 4 international a year · after ₹60,000 in the quarter
UPI · Forex
No · 3.5%
View on HDFC Bank siteIssuer's site. We don't earn from this card.
HDFC Bank INFINIA Credit Card Metal EditionHDFC Bank
Fees
₹12,500 joining, ₹12,500 a year
Base rate
3.33%
Best rate
3.33% on online shopping (caps apply)
Lounge
Unlimited domestic + unlimited international · no spend condition published
UPI · Forex
No · 2%
View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
HDFC Bank Millennia Credit CardHDFC Bank
Fees
₹1,000 joining, ₹1,000 a year
Base rate
1%
Best rate
5% on online shopping (caps apply)
Lounge
4 domestic a year · after ₹1,00,000 in the quarter
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
HDFC Bank MoneyBack+ Credit CardHDFC Bank
Fees
₹500 joining, ₹500 a year
Base rate
0.2%
Best rate
2% on online shopping (caps apply)
Lounge
None
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
HDFC Bank PIXEL Play Credit CardHDFC Bank
Fees
₹500 joining, ₹500 a year
Base rate
1%
Best rate
5% on groceries (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
HDFC Bank Regalia Gold Credit CardHDFC Bank
Fees
₹2,500 joining, ₹2,500 a year
Base rate
1.25%
Best rate
1.25% on online shopping (caps apply)
Lounge
12 domestic + 6 international a year · after ₹60,000 in the quarter
UPI · Forex
No · 2%
View on HDFC Bank siteIssuer's site. We don't earn from this card.
HDFC Bank UPI RuPay Credit CardHDFC Bank
Fees
₹99 joining, ₹99 a year
Base rate
0.25%
Best rate
0.75% on groceries (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
View on HDFC Bank siteIssuer's site. We don't earn from this card.
Marriott Bonvoy HDFC Bank Credit CardHDFC Bank
Fees
₹3,000 joining, ₹3,000 a year
Base rate
Not published
Best rate
Not published
Lounge
12 domestic + 12 international a year · no spend condition published
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Swiggy BLCK HDFC Bank Credit CardHDFC Bank
Fees
₹1,000 joining, ₹1,000 a year
Base rate
1%
Best rate
10% on dining and food delivery (caps apply)
Lounge
None
UPI · Forex
No · 3.5%
View on HDFC Bank siteIssuer's site. We don't earn from this card.
Tata Neu Infinity HDFC Bank Credit CardHDFC Bank
Fees
₹1,499 joining, ₹1,499 a year
Base rate
1.5%
Best rate
1.5% on online shopping (caps apply)
Lounge
8 domestic + 4 international a year · after ₹50,000 in the quarter
UPI · Forex
Yes · 2%
Apply nowVia our referral partner. We may earn a commission.
Tata Neu Plus HDFC Bank Credit CardHDFC Bank
Fees
₹499 joining, ₹499 a year
Base rate
1%
Best rate
1% on online shopping (caps apply)
Lounge
4 domestic a year · after ₹50,000 in the quarter
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
HSBC Live+ Credit CardHSBC India
Fees
₹999 joining, ₹999 a year
Base rate
1.5%
Best rate
10% on groceries (caps apply)
Lounge
2 domestic + 1 international a year · no spend condition published
UPI · Forex
No · 1.99%
Apply nowVia our referral partner. We may earn a commission.
HSBC Premier Credit CardHSBC India
Fees
₹12,000 joining, ₹20,000 a year
Base rate
3%
Best rate
3% on online shopping (caps apply)
Lounge
Unlimited domestic + unlimited international · no spend condition published
UPI · Forex
No · 0.99%
View on HSBC siteIssuer's site. We don't earn from this card.
HSBC RuPay Cashback Credit CardHSBC India
Fees
₹499 joining, ₹499 a year
Base rate
1%
Best rate
10% on groceries (caps apply)
Lounge
8 domestic + 2 international a year · no spend condition published
UPI · Forex
Yes · 3.5%
View on HSBC siteIssuer's site. We don't earn from this card.
HSBC RuPay Platinum Credit CardHSBC India
Fees
Lifetime free
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
Yes · 3.5%
View on HSBC siteIssuer's site. We don't earn from this card.
HSBC TravelOne Credit CardHSBC India
Fees
₹4,999 joining, ₹4,999 a year
Base rate
Not published
Best rate
Not published
Lounge
6 domestic + 4 international a year · no spend condition published
UPI · Forex
No · 3.5%
View on HSBC siteIssuer's site. We don't earn from this card.
HSBC Visa Platinum Credit CardHSBC India
Fees
Lifetime free
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
No · 3.5%
View on HSBC siteIssuer's site. We don't earn from this card.
Amazon Pay ICICI Bank Credit CardICICI Bank
Fees
Lifetime free
Base rate
1%
Best rate
2% on bills and utilities
Lounge
None
UPI · Forex
No · 1.99%
View on Amazon siteIssuer's site. We don't earn from this card.
ICICI Bank Coral RuPay Credit CardICICI Bank
Fees
₹500 joining, ₹500 a year
Base rate
Not published
Best rate
Not published
Lounge
4 domestic a year · after ₹75,000 in the quarter
UPI · Forex
Yes · 3.5%
View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Emeralde Credit CardICICI Bank
Fees
₹12,000 joining, ₹12,000 a year
Base rate
Not published
Best rate
Not published
Lounge
Unlimited domestic + unlimited international · no spend condition published
UPI · Forex
No · 2%
View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Emeralde Private Metal Credit CardICICI Bank
Fees
₹12,499 joining, ₹12,499 a year
Base rate
3%
Best rate
3% on online shopping (caps apply)
Lounge
Unlimited domestic + unlimited international · no spend condition published
UPI · Forex
No · 2%
View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
ICICI Bank Instant Platinum Credit CardICICI Bank
Fees
Lifetime free
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
No · 3.5%
View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Rubyx Credit CardICICI Bank
Fees
₹3,000 joining, ₹2,000 a year
Base rate
Not published
Best rate
Not published
Lounge
8 domestic a year · after ₹75,000 in the quarter
UPI · Forex
Yes · 3.5%
View on ICICI Bank siteIssuer's site. We don't earn from this card.
ICICI Bank Sapphiro Credit CardICICI Bank
Fees
₹6,500 joining, ₹3,500 a year
Base rate
Not published
Best rate
Not published
Lounge
16 domestic + 2 international a year · after ₹75,000 in the quarter
UPI · Forex
Yes · 3.5%
View on ICICI Bank siteIssuer's site. We don't earn from this card.
Times Black ICICI Bank Credit CardICICI Bank
Fees
₹20,000 joining, ₹20,000 a year
Base rate
2%
Best rate
2% on online shopping (caps apply)
Lounge
Unlimited domestic + unlimited international · no spend condition published
UPI · Forex
No · 1.49%
View on ICICI Bank siteIssuer's site. We don't earn from this card.
IDFC FIRST Bank HPCL FIRST Power Credit CardIDFC FIRST Bank
Fees
₹199 joining, ₹199 a year
Base rate
0.33%
Best rate
3.5% on fuel (caps apply)
Lounge
None
UPI · Forex
Yes · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Bank HPCL FIRST Power+ Credit CardIDFC FIRST Bank
Fees
₹499 joining, ₹499 a year
Base rate
0.5%
Best rate
5% on groceries (caps apply)
Lounge
4 domestic a year · after ₹20,000 in the previous month
UPI · Forex
Yes · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Classic Credit CardIDFC FIRST Bank
Fees
Lifetime free
Base rate
0.38%
Best rate
1.25% on travel
Lounge
Railway lounges only
UPI · Forex
No · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Mayura Credit CardIDFC FIRST Bank
Fees
₹5,999 joining, ₹5,999 a year
Base rate
1.67%
Best rate
1.67% on online shopping
Lounge
16 domestic + 16 international a year · after ₹20,000 in the previous month
UPI · Forex
No · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Millennia Credit CardIDFC FIRST Bank
Fees
Lifetime free
Base rate
0.38%
Best rate
1.25% on travel
Lounge
Railway lounges only
UPI · Forex
No · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Select Credit CardIDFC FIRST Bank
Fees
Lifetime free
Base rate
0.38%
Best rate
1.25% on travel
Lounge
4 domestic a year · after ₹20,000 in the previous month
UPI · Forex
No · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST SWYP Credit CardIDFC FIRST Bank
Fees
₹499 joining, ₹499 a year
Base rate
Not published
Best rate
Not published
Lounge
Railway lounges only
UPI · Forex
No · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST Wealth Credit CardIDFC FIRST Bank
Fees
Lifetime free
Base rate
0.38%
Best rate
1.25% on travel
Lounge
4 domestic + 4 international a year · after ₹20,000 in the previous month
UPI · Forex
No · 0%
Apply nowVia our referral partner. We may earn a commission.
IDFC FIRST WOW! Credit CardIDFC FIRST Bank
Fees
Lifetime free
Base rate
0.5%
Best rate
0.5% on online shopping
Lounge
None
UPI · Forex
No · 0%
Apply nowVia our referral partner. We may earn a commission.
EazyDiner IndusInd Bank Platinum Credit CardIndusInd Bank
Fees
Lifetime free
Base rate
0.4%
Best rate
0.4% on online shopping
Lounge
None
UPI · Forex
Yes · 3.5%
View on IndusInd Bank siteIssuer's site. We don't earn from this card.
IndusInd Bank Platinum RuPay Credit CardIndusInd Bank
Fees
₹10,000 joining, no annual fee
Base rate
0.6%
Best rate
1.2% on UPI
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
IndusInd Bank Tiger Credit CardIndusInd Bank
Fees
Lifetime free
Base rate
0.4%
Best rate
0.4% on dining and food delivery
Lounge
8 domestic + 2 international a year · no spend condition published
UPI · Forex
No · 1.5%
Apply nowVia our referral partner. We may earn a commission.
Kotak League Platinum Credit CardKotak Mahindra Bank
Fees
₹499 joining, ₹499 a year
Base rate
0.27%
Best rate
0.53% on travel (caps apply)
Lounge
None
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Kotak811 Dream Different Credit CardKotak Mahindra Bank
Fees
₹424 joining, no annual fee
Base rate
2%
Best rate
2% on online shopping (caps apply)
Lounge
None
UPI · Forex
Yes · 2%
View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
Kotak811 super.money Credit CardKotak Mahindra Bank
Fees
₹249 joining, no annual fee
Base rate
1%
Best rate
1% on online shopping (caps apply)
Lounge
None
UPI · Forex
Yes · 2%
View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
Kiwi RuPay Credit Card (PNB)Punjab National Bank
Fees
Lifetime free
Base rate
Not published
Best rate
1.5% on UPI (caps apply)
Lounge
Not published
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
IndianOil RBL Bank XTRA Credit CardRBL Bank
Fees
₹1,500 joining, ₹1,500 a year
Base rate
1%
Best rate
7.5% on fuel (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
RBL Bank ShopRite Credit CardRBL Bank
Fees
₹500 joining, ₹500 a year
Base rate
0.25%
Best rate
5% on groceries (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
BPCL SBI Card OCTANESBI
Fees
₹1,499 joining, ₹1,499 a year
Base rate
0.25%
Best rate
6.25% on fuel (caps apply)
Lounge
4 domestic a year · no spend condition published
UPI · Forex
Yes · 3.5%
View on SBI Card siteIssuer's site. We don't earn from this card.
CASHBACK SBI CardSBI
Fees
₹999 joining, ₹999 a year
Base rate
1%
Best rate
5% on online shopping (caps apply)
Lounge
None
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
PhonePe SBI Card PURPLESBI
Fees
₹499 joining, ₹499 a year
Base rate
1%
Best rate
3% on bills and utilities (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
View on PhonePe siteIssuer's site. We don't earn from this card.
PhonePe SBI Card SELECT BLACKSBI
Fees
₹1,499 joining, ₹1,499 a year
Base rate
1%
Best rate
10% on bills and utilities (caps apply)
Lounge
4 domestic a year · no spend condition published
UPI · Forex
Yes · 3.5%
View on PhonePe siteIssuer's site. We don't earn from this card.
SBI Card ELITESBI
Fees
₹4,999 joining, ₹4,999 a year
Base rate
0.5%
Best rate
2.5% on groceries (caps apply)
Lounge
8 domestic + 6 international a year · no spend condition published
UPI · Forex
No · 1.99%
Apply nowVia our referral partner. We may earn a commission.
SBI Card MILES ELITESBI
Fees
₹4,999 joining, ₹4,999 a year
Base rate
0.5%
Best rate
1.5% on travel (caps apply)
Lounge
8 domestic + 6 international a year · no spend condition published
UPI · Forex
Yes · 1.99%
Apply nowVia our referral partner. We may earn a commission.
SBI Card PRIMESBI
Fees
₹2,999 joining, ₹2,999 a year
Base rate
0.5%
Best rate
2.5% on groceries (caps apply)
Lounge
8 domestic + 4 international a year · no spend condition published
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
SBI Card PULSESBI
Fees
₹1,499 joining, ₹1,499 a year
Base rate
0.5%
Best rate
2.5% on dining and food delivery
Lounge
4 domestic a year · no spend condition published
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
SimplyCLICK SBI CardSBI
Fees
₹499 joining, ₹499 a year
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
SimplySAVE SBI CardSBI
Fees
₹499 joining, ₹499 a year
Base rate
0.17%
Best rate
1.67% on groceries (caps apply)
Lounge
None
UPI · Forex
No · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Suryoday SFB Stable Money RuPay Platinum Credit CardSuryoday Small Finance Bank
Fees
Lifetime free
Base rate
0.5%
Best rate
0.5% on online shopping (caps apply)
Lounge
8 domestic + 2 international a year · no spend condition published
UPI · Forex
Yes · 0%
View on Stable Money siteIssuer's site. We don't earn from this card.
Roarbank UPI Credit Card (Unity Small Finance Bank)Unity Small Finance Bank
Fees
Lifetime free
Base rate
Not published
Best rate
1% on bills and utilities (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
Kiwi RuPay Credit Card (YES Bank Klick)YES Bank
Fees
Lifetime free
Base rate
Not published
Best rate
1.5% on UPI (caps apply)
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.
YES BANK POP-CLUB Credit CardYES Bank
Fees
Free joining, ₹399 a year
Base rate
Not published
Best rate
Not published
Lounge
None
UPI · Forex
Yes · 3.5%
Apply nowVia our referral partner. We may earn a commission.

This table isn't ranked. For a ranked list, start with what you spend on: lifetime free, UPI, online shopping, fuel or lounge access. Or let the card finder pick 3 cards for your spending.

Download this table (free to reuse)

The same verified data as CSV (opens in Excel) or JSON, for your own analysis or a story. Every row has the bank's source link and the date we checked it. It never includes partner offers or what we earn.

Card fees and eligibility
Joining and annual fees, fee waivers, lifetime-free status, forex markup, UPI support and published minimum income. 77 rows.
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Columns
card, slug, issuer, network, joining_fee_inr, annual_fee_inr, fee_waiver, lifetime_free, forex_markup_pct, works_on_upi, min_income_salaried_inr_month, source_url, last_verified
Reward rates, caps and exclusions
Value back as % of spend by category, published reward caps and spends that earn nothing. 77 rows.
Download CSV Download JSON
Columns
card, slug, issuer, value_back_pct_default, value_back_pct_online, value_back_pct_grocery, value_back_pct_fuel, value_back_pct_upi, value_back_pct_travel, value_back_pct_bills, value_back_pct_dining, reward_summary, reward_caps, excluded_spends, source_url, last_verified
Airport and railway lounge rules
Domestic, international and railway visits a year, and the spend needed to unlock them. 42 rows.
Download CSV Download JSON
Columns
card, slug, issuer, domestic_visits_per_year, international_visits_per_year, railway_visits_per_year, spend_to_unlock_inr, spend_period, no_spend_condition, summary, source_url, last_verified

Free to reuse, including commercially, under CC BY 4.0, with credit and a link: Source: CreditParakh, https://creditparakh.in/credit-cards/compare/. Banks change terms often; each row's last_verified date and the bank's current terms win. Found an error? Email support@creditparakh.in.

More data: card changes and devaluations · credit cards by bank (RBI data)

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

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