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CreditParakh

Type a card, bank or topic, for example “Infinia”, “lounge” or “personal loan”.

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Credit card finder

Tell us how you spend. We'll show the three cards that give you the most back in a year, after fees.

1. Your monthly spend on the card

Filled in with an example of ₹30,000 a month. Replace it with your own numbers.

Total: ₹30,000 a month

2. You and your income
You are

Cards whose published minimum salary is above this are left out.

3. Fees
Joining or annual fee you'd pay

Your top 3 cards

  1. 1. HSBC Live+ Credit Card

    ₹13,161 a year*

    • 10% on your ₹6,000 groceries spend
    • ₹999 annual fee taken off

    ₹999 joining, ₹999 a year (+GST) · ₹14,160 value back before the fee

    Apply nowVia our referral partner. We may earn a commission.

  2. 2. PhonePe SBI Card SELECT BLACK

    ₹10,861 a year*

    • 5% on your ₹8,000 online shopping spend
    • ₹1,499 annual fee taken off

    ₹1,499 joining, ₹1,499 a year (+GST) · ₹12,360 value back before the fee

    View on PhonePe siteIssuer's site. We don't earn from this card.

  3. 3. HDFC Bank PIXEL Play Credit Card

    ₹8,500 a year*

    • 5% on your ₹6,000 groceries spend
    • ₹500 annual fee taken off

    ₹500 joining, ₹500 a year (+GST) · ₹9,000 value back before the fee

    Apply nowVia our referral partner. We may earn a commission.

*Estimated value back in a year at the bank's published rates and monthly caps, minus the annual fee. Excluded spends earn nothing; minimum-spend rules aren't modelled. 62 more cards fit your choices: compare all cards in one table.

How we estimate

  • Value back = your monthly spend in each category × 12 × the card's published rate, minus the annual fee (joining fee not included).
  • “Everything else”, and any category without its own rate, uses the card's base rate. Where the bank publishes neither, we say “rate not published” and list the card last.
  • Published monthly reward caps and excluded spends are applied. Minimum-spend rules and merchant-specific offers aren't modelled. Fees exclude GST.
  • Ranking never depends on what we earn. Read our methodology.

Questions people ask

How do you work out the value back a year?

For each card we multiply your monthly spend in each category by 12 and by the card's published value-back rate for that category, using the card's base rate where the bank doesn't publish a category rate. We apply each bank's published monthly reward caps, earn nothing on spends the bank excludes (such as fuel or utility bills on many cards), add those up and take off the annual fee. Minimum-spend conditions and merchant-specific offers aren't modelled.

Why isn't a card I know in the results?

We compare 77 cards, not every card in India. A card is also left out if its fee is above your limit, its published minimum salary is above yours, or, if you're self-employed, its bank doesn't say it accepts self-employed applicants.

Does using the card finder affect my CIBIL score?

No. It runs in your browser, doesn't ask for your PAN or phone number and doesn't pull your credit report. Your score is only checked when you apply for a card with a bank.

Does what CreditParakh earns change the order?

No. Cards are ordered only by the estimated ₹ value for your spend. Some cards have a partner link that may earn us a commission; that never moves a card up or down.

Will I be approved for the cards shown?

Not necessarily. We only filter on the minimum income the bank publishes. Approval depends on the bank's own checks, including your credit history, and is at the bank's discretion.

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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