Credit cards · Updated 5 November 2026
Find the right credit card for how you spend
Compare 42 popular credit cards by category – cashback, lifetime free, fuel, travel, UPI and FD-backed. Fees, benefits aur best-for sab ek jagah, simple language mein.
42cards & card ranges listed
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Fees shown upfront No guaranteed approval claims Updated 5 November 2026
42 cards & ranges
15 lifetime free options
14 UPI / RuPay cards
Fees & caps shown upfront
Roarbank RuPay UPI Credit Card
Unity Small Finance Bank
Joining feeNil
Annual feeNil
Best for: UPI users & first credit card
- Up to 20% cashback on 2 categories you choose (monthly cap)
- 1% cashback on other eligible spends
- RuPay card – pay by scanning any UPI QR
Jupiter Edge+ CSB Bank RuPay Credit Card
CSB Bank
Joining fee₹0 (offer; regular ₹999)
Annual feeNil
Best for: UPI & online shopping rewards
- Rewards as Jewels on shopping, Jupiter Flights & UPI spends
- RuPay card for UPI payments via the Jupiter app
- Convert spends to EMI in the app
IndusInd Bank Platinum RuPay Credit Card
IndusInd Bank
Joining feeNil
Annual feeNil
Best for: Lifetime free UPI credit card
- 2 reward points per ₹100 on UPI spends
- 1 reward point per ₹100 on other card spends
- Fuel surcharge waiver and travel cover (as per terms)
Indus Easy Credit Card
IndusInd Bank
Joining feeCheck on application page
Annual feeCheck on application page
Best for: Easy entry-level IndusInd card
- Entry-level card from IndusInd Bank
- Rewards on everyday spends (as per terms)
- Digital application
BOBCARD Uni GoldX Credit Card
BOBCARD (with Uni)
Joining feeNil
Annual feeNil
Best for: Flat 1% back in 24K gold, zero forex
- 1% back on eligible spends as Uni Coins (24K digital gold)
- Zero forex markup on international spends
- RuPay card – rewards on UPI spends too
AU LIT Credit Card
AU Small Finance Bank
Joining feeNil
Annual feeNil
Best for: Pick only the features you want
- Customise benefits – cashback, rewards, lounge – in 90-day packs
- Pay only for packs you switch on (₹49–₹399 per pack)
- Manage everything in the AU 0101 app
Scapia Federal Bank Credit Card
Federal Bank
Joining feeNil
Annual feeNil
Best for: Travellers – zero forex markup
- Zero forex markup on international spends
- Scapia Coins on spends, redeemable for travel in the app
- Lounge access linked to monthly spend (as per terms)
Scapia Axis Bank Credit Card
Axis Bank
Joining feeNil
Annual feeNil
Best for: New Scapia card from Axis Bank (2026)
- Zero forex markup on international spends
- Scapia Coins on spends, redeemable in the Scapia app
- Mastercard and RuPay variants (RuPay works on UPI)
Flipkart SBI Credit Card
SBI Card
Joining fee₹500 + GST
Annual fee₹500 + GST
Best for: Flipkart, Myntra & Cleartrip shoppers
- 7.5% cashback on Myntra
- 5% cashback on Flipkart, Shopsy & Cleartrip
- 4% on preferred partners, 1% on other spends
HDFC Bank PIXEL Play Credit Card
HDFC Bank
Joining fee₹500 + GST (LTF offers at times)
Annual fee₹500 + GST
Best for: Digital card – choose your cashback
- 5% cashback on 2 packs you choose (capped monthly)
- 3% on one e-commerce merchant of your choice
- 1% unlimited cashback on other spends
Airtel Axis Bank Credit Card
Axis Bank
Joining fee₹500 + GST
Annual fee₹500 + GST
Best for: Airtel users & bill payments
- 25% cashback on Airtel bills via Airtel Thanks app (cap linked to other spends)
- 10% cashback on utility bills via Airtel Thanks app
- 1% cashback on other eligible spends
Axis Bank MY Zone Credit Card
Axis Bank
Joining fee₹500 + GST (LTF offers at times)
Annual fee₹500 + GST
Best for: Movies, dining & lifestyle
- Buy-one-get-one movie tickets on District (monthly cap)
- Dining discounts on partner platforms
- RuPay variant can be used on UPI
YES BANK POP-CLUB RuPay Credit Card
YES BANK
Joining feeNil
Annual fee₹399 + GST
Best for: UPI shoppers on POP app
- Welcome vouchers worth up to ₹5,000 (as per offer)
- POPcoins on spends, extra on POP UPI
- RuPay card – works on UPI
CUB SalarySe Level UP Credit Card
City Union Bank
Joining feeVirtual: Nil · Physical: ₹500 + GST
Annual feeVirtual: Nil · Physical: ₹500 + GST
Best for: Salaried employees using UPI
- Extra ‘Salary Day’ rewards on SalarySe UPI spends (conditions apply)
- Reward points on other UPI & card spends
- Lounge access on spend conditions (as per terms)
Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
Joining fee₹1,499 + GST
Annual fee₹1,499 + GST
Best for: Tata Neu, BigBasket, Croma users
- 5% back as NeuCoins on Tata Neu & partner Tata brands
- 1.5% NeuCoins on other eligible spends
- RuPay variant can be used for UPI
SBI SimplySAVE Credit Card
SBI Card
Joining fee₹499 + GST
Annual fee₹499 + GST
Best for: Dining, movies & grocery
- 10X reward points on dining, movies, grocery & departmental stores
- 1 reward point per ₹150 on other spends
- 1% fuel surcharge waiver (as per terms)
SBI SimplyCLICK Credit Card
SBI Card
Joining fee₹499 + GST
Annual fee₹499 + GST
Best for: Online shopping at partner sites
- 10X reward points at exclusive online partners
- 5X reward points on other online spends
- Welcome e-voucher on joining fee (as per offer)
Swiggy HDFC Bank Credit Card
HDFC Bank
Joining fee₹500 + GST (Ornge)
Annual fee₹500 + GST
Best for: Regular Swiggy users
- High cashback on Swiggy food, Instamart & Dineout
- Cashback on select online brands
- Swiggy One membership on activation (as per offer)
Shoppers Stop HDFC Bank Credit Card
HDFC Bank
Joining feeCheck on HDFC site
Annual feeCheck on HDFC site
Best for: Shoppers Stop shoppers
- First Citizen points on Shoppers Stop spends
- Welcome vouchers / membership (as per offer)
- Rewards on other eligible spends
Snapdeal BOBCARD
BOBCARD
Joining feeCheck on BOBCARD site
Annual feeCheck on BOBCARD site
Best for: Snapdeal shoppers
- Extra rewards on Snapdeal shopping
- Reward points on everyday spends
- Fuel surcharge waiver (as per terms)
IndianOil RBL Bank XTRA Credit Card
RBL Bank
Joining fee₹1,500 + GST
Annual fee₹1,500 + GST
Best for: High fuel spend at IndianOil
- 15 Fuel Points per ₹100 at IndianOil (about 7.5% value)
- 1% fuel surcharge waiver (as per terms)
- 3,000 welcome Fuel Points after fee payment
HPCL ENERGIE BOBCARD
BOBCARD
Joining fee₹499 + GST
Annual fee₹499 + GST
Best for: Drivers who fill fuel at HPCL
- 24 reward points per ₹150 at eligible HPCL outlets, LPG & HP Pay
- 1% fuel surcharge waiver at eligible HPCL outlets
- Domestic lounge access (as per terms)
ZET FD-backed Credit Cards
Partner banks via ZET app
Joining feeNil on most cards
Annual feeNil on most cards
Best for: No credit history? Start with an FD
- Open an FD with a partner bank in the ZET app and get a card against it
- Credit limit about 90% of your FD; FD keeps earning interest
- No income proof needed; helps build CIBIL
IDFC FIRST Bank Credit Cards (incl. WOW! FD card)
IDFC FIRST Bank
Joining feeNil on many variants
Annual feeNil on many variants
Best for: Lifetime free cards & FD-backed WOW!
- Lifetime free variants like Millennia, Classic, Select & Wealth
- WOW! card against FD – zero forex markup (as per terms)
- Reward points that don’t expire (as per terms)
SBM GILD Credit Card (FD-backed)
SBM Bank India
Joining feeCheck KFS
Annual feeCheck KFS
Best for: Build credit with an FD
- Secured card backed by your FD (min. ₹10,000)
- Credit limit up to about 90% of FD
- Rewards as digital gold / cashback (as per terms)
Bajaj Finserv Insta EMI Card
Bajaj Finance (NBFC)
Joining feeCheck on application page
Annual feeCheck on application page
Best for: Buy now, pay in EMIs at partner stores
- Convert purchases into EMIs at partner stores & online
- Pre-approved limit based on profile
- Digital application
BOBCARD Credit Cards
BOBCARD
Joining feeVaries by card
Annual feeVaries by card
Best for: Bank of Baroda card range
- Range from entry-level to premium and co-branded cards
- Many RuPay variants for UPI
- Choose the card on the application page
RBL Bank Credit Cards
RBL Bank
Joining feeVaries by card
Annual feeVaries by card
Best for: RBL Bank card range
- Cards for shopping, fuel, travel and rewards
- Co-branded options available
- Choose the card on the application page
Bajaj Finserv RBL Bank SuperCard
RBL Bank
Joining feeVaries by variant
Annual feeVaries by variant
Best for: Rewards + emergency cash features
- Multiple variants for different spend levels
- Reward points and milestone benefits
- Cash withdrawal features with conditions – read terms
YES BANK Credit Cards
YES BANK
Joining feeVaries by card
Annual feeVaries by card
Best for: Rewards & RuPay UPI options
- Range of reward and lifestyle cards
- RuPay options for UPI on select cards
- Choose the card on the application page
Axis Bank Credit Cards
Axis Bank
Joining feeVaries by card
Annual feeVaries by card
Best for: Wide range from entry to premium
- Cards for cashback, shopping, travel and premium lifestyle
- Dining discounts on partner programs (as per terms)
- Choose the card on the application page
IndusInd Bank Credit Cards
IndusInd Bank
Joining feeVaries by card
Annual feeVaries by card
Best for: Lifetime free & lifestyle cards
- Range includes lifetime free and premium cards
- Rewards on everyday spends (as per variant)
- Dining and travel benefits on select cards
Amazon Pay ICICI Bank Credit Card
ICICI Bank
Joining feeNil
Annual feeNil
Best for: Amazon shoppers (lifetime free)
- 5% back on Amazon for Prime members (3% for non-Prime)
- 2% back on Amazon Pay partner merchants
- 1% back on other eligible spends
OneCard Credit Card
OneCard (with partner banks)
Joining feeNil
Annual feeNil
Best for: Lifetime free metal card with app control
- Lifetime free metal card
- Extra rewards on your top spend categories (as per terms)
- Full app-based control
HDFC Bank Regalia Gold Credit Card
HDFC Bank
Joining fee₹2,500 + GST
Annual fee₹2,500 + GST
Best for: Frequent travellers (premium)
- Domestic & international lounge access (as per terms)
- Reward points on spends, extra on partner brands
- Milestone vouchers on spend targets
SBI Cashback Credit Card
SBI Card
Joining fee₹999 + GST
Annual fee₹999 + GST
Best for: Online shopping on any site
- 5% cashback on eligible online spends
- 1% cashback on eligible offline spends
- Cashback auto-credited to the statement
Flipkart Axis Bank Credit Card
Axis Bank
Joining fee₹500 + GST
Annual fee₹500 + GST
Best for: Flipkart and Myntra shoppers
- 7.5% cashback on Myntra (capped)
- 5% cashback on Flipkart and Cleartrip (capped)
- 1% cashback on other eligible spends
HDFC Bank Millennia Credit Card
HDFC Bank
Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Best for: Amazon, Flipkart, Swiggy & partner brands
- 5% cashback (CashPoints) on 10 partner merchants
- 1% cashback on other eligible spends
- Welcome 1,000 CashPoints on fee payment
Axis Bank ACE Credit Card
Axis Bank
Joining fee₹499 + GST
Annual fee₹499 + GST
Best for: Bill payments and food delivery
- 5% cashback on bill payments via Google Pay
- 4% cashback on Swiggy, Zomato and Ola
- 1.5% cashback on other eligible spends
HSBC Live+ Credit Card
HSBC
Joining fee₹999 + GST
Annual fee₹999 + GST
Best for: Dining, food delivery & grocery
- 10% cashback on dining, food delivery & grocery (monthly cap)
- 1.5% cashback on other eligible spends
- Complimentary lounge visits (as per terms)
BPCL SBI Card OCTANE
SBI Card
Joining fee₹1,499 + GST
Annual fee₹1,499 + GST
Best for: High fuel spends at BPCL
- High value-back on BPCL fuel (as per terms)
- Accelerated rewards on dining, movies & grocery
- Domestic lounge access (as per terms)
Aspire Credit Card
Issuer shown on application page
Joining feeCheck on application page
Annual feeCheck on application page
Best for: Check details on the partner page
- Card details, issuer and fees are shown on the partner application page
- Read the KFS and MITC before applying
No card found. Try another category or search word.
Card images are our own illustrations, not the actual card design. Fees and benefits are from issuer/public pages as checked on 5 November 2026 and change often – always confirm on the bank’s website, Key Fact Statement (KFS) and MITC before applying. “Partner link” means we may earn referral compensation if you apply through it.
4 simple checks
How to choose the right credit card
Sabse zyada reward wala card nahi, aapke kharch ke hisaab se sahi card chuno.
Check your spend
Online shopping, food, fuel or travel – choose a card that rewards your top category.
Compare fees vs value
Annual fee should be lower than the rewards you will really earn, or waived by your spend.
Read caps & exclusions
Most cashback has monthly caps; rent, fuel, wallet and government payments are often excluded.
Apply on official pages
Apply only on the bank’s or authorised partner’s page. Never share OTP or card PIN with anyone.
Eligibility
Who can get a credit card?
- Indian resident, usually 21–60 years (varies by bank)
- Regular income – salaried or self-employed (limit depends on income)
- Good credit score helps (often 700+ for regular cards)
- PAN and Aadhaar for KYC; income proof for most unsecured cards
- New to credit? An FD-backed card needs no income proof
Use it smartly
Credit card tips
- Pay the full bill by the due date – avoid ‘minimum due’ trap
- Keep usage below about 30% of your limit for a healthy CIBIL score
- Don’t withdraw cash on a credit card – interest starts from day one
- Set up AutoPay for at least the full statement amount
- Check the statement every month and report unknown transactions immediately
Quick view
All credit cards at a glance
| Card | Annual fee | Best for | Top benefit |
|---|---|---|---|
| Roarbank RuPay UPI Credit Card Unity Small Finance Bank | Nil | UPI users & first credit card | Up to 20% cashback on 2 categories you choose (monthly cap) |
| Jupiter Edge+ CSB Bank RuPay Credit Card CSB Bank | Nil | UPI & online shopping rewards | Rewards as Jewels on shopping, Jupiter Flights & UPI spends |
| IndusInd Bank Platinum RuPay Credit Card IndusInd Bank | Nil | Lifetime free UPI credit card | 2 reward points per ₹100 on UPI spends |
| Indus Easy Credit Card IndusInd Bank | Check on application page | Easy entry-level IndusInd card | Entry-level card from IndusInd Bank |
| BOBCARD Uni GoldX Credit Card BOBCARD (with Uni) | Nil | Flat 1% back in 24K gold, zero forex | 1% back on eligible spends as Uni Coins (24K digital gold) |
| AU LIT Credit Card AU Small Finance Bank | Nil | Pick only the features you want | Customise benefits – cashback, rewards, lounge – in 90-day packs |
| Scapia Federal Bank Credit Card Federal Bank | Nil | Travellers – zero forex markup | Zero forex markup on international spends |
| Scapia Axis Bank Credit Card Axis Bank | Nil | New Scapia card from Axis Bank (2026) | Zero forex markup on international spends |
| Flipkart SBI Credit Card SBI Card | ₹500 + GST | Flipkart, Myntra & Cleartrip shoppers | 7.5% cashback on Myntra |
| HDFC Bank PIXEL Play Credit Card HDFC Bank | ₹500 + GST | Digital card – choose your cashback | 5% cashback on 2 packs you choose (capped monthly) |
| Airtel Axis Bank Credit Card Axis Bank | ₹500 + GST | Airtel users & bill payments | 25% cashback on Airtel bills via Airtel Thanks app (cap linked to other spends) |
| Axis Bank MY Zone Credit Card Axis Bank | ₹500 + GST | Movies, dining & lifestyle | Buy-one-get-one movie tickets on District (monthly cap) |
| YES BANK POP-CLUB RuPay Credit Card YES BANK | ₹399 + GST | UPI shoppers on POP app | Welcome vouchers worth up to ₹5,000 (as per offer) |
| CUB SalarySe Level UP Credit Card City Union Bank | Virtual: Nil · Physical: ₹500 + GST | Salaried employees using UPI | Extra ‘Salary Day’ rewards on SalarySe UPI spends (conditions apply) |
| Tata Neu Infinity HDFC Bank Credit Card HDFC Bank | ₹1,499 + GST | Tata Neu, BigBasket, Croma users | 5% back as NeuCoins on Tata Neu & partner Tata brands |
| SBI SimplySAVE Credit Card SBI Card | ₹499 + GST | Dining, movies & grocery | 10X reward points on dining, movies, grocery & departmental stores |
| SBI SimplyCLICK Credit Card SBI Card | ₹499 + GST | Online shopping at partner sites | 10X reward points at exclusive online partners |
| Swiggy HDFC Bank Credit Card HDFC Bank | ₹500 + GST | Regular Swiggy users | High cashback on Swiggy food, Instamart & Dineout |
| Shoppers Stop HDFC Bank Credit Card HDFC Bank | Check on HDFC site | Shoppers Stop shoppers | First Citizen points on Shoppers Stop spends |
| Snapdeal BOBCARD BOBCARD | Check on BOBCARD site | Snapdeal shoppers | Extra rewards on Snapdeal shopping |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | ₹1,500 + GST | High fuel spend at IndianOil | 15 Fuel Points per ₹100 at IndianOil (about 7.5% value) |
| HPCL ENERGIE BOBCARD BOBCARD | ₹499 + GST | Drivers who fill fuel at HPCL | 24 reward points per ₹150 at eligible HPCL outlets, LPG & HP Pay |
| ZET FD-backed Credit Cards Partner banks via ZET app | Nil on most cards | No credit history? Start with an FD | Open an FD with a partner bank in the ZET app and get a card against it |
| IDFC FIRST Bank Credit Cards (incl. WOW! FD card) IDFC FIRST Bank | Nil on many variants | Lifetime free cards & FD-backed WOW! | Lifetime free variants like Millennia, Classic, Select & Wealth |
| SBM GILD Credit Card (FD-backed) SBM Bank India | Check KFS | Build credit with an FD | Secured card backed by your FD (min. ₹10,000) |
| Bajaj Finserv Insta EMI Card Bajaj Finance (NBFC) | Check on application page | Buy now, pay in EMIs at partner stores | Convert purchases into EMIs at partner stores & online |
| BOBCARD Credit Cards BOBCARD | Varies by card | Bank of Baroda card range | Range from entry-level to premium and co-branded cards |
| RBL Bank Credit Cards RBL Bank | Varies by card | RBL Bank card range | Cards for shopping, fuel, travel and rewards |
| Bajaj Finserv RBL Bank SuperCard RBL Bank | Varies by variant | Rewards + emergency cash features | Multiple variants for different spend levels |
| YES BANK Credit Cards YES BANK | Varies by card | Rewards & RuPay UPI options | Range of reward and lifestyle cards |
| Axis Bank Credit Cards Axis Bank | Varies by card | Wide range from entry to premium | Cards for cashback, shopping, travel and premium lifestyle |
| IndusInd Bank Credit Cards IndusInd Bank | Varies by card | Lifetime free & lifestyle cards | Range includes lifetime free and premium cards |
| Amazon Pay ICICI Bank Credit Card ICICI Bank | Nil | Amazon shoppers (lifetime free) | 5% back on Amazon for Prime members (3% for non-Prime) |
| OneCard Credit Card OneCard (with partner banks) | Nil | Lifetime free metal card with app control | Lifetime free metal card |
| HDFC Bank Regalia Gold Credit Card HDFC Bank | ₹2,500 + GST | Frequent travellers (premium) | Domestic & international lounge access (as per terms) |
| SBI Cashback Credit Card SBI Card | ₹999 + GST | Online shopping on any site | 5% cashback on eligible online spends |
| Flipkart Axis Bank Credit Card Axis Bank | ₹500 + GST | Flipkart and Myntra shoppers | 7.5% cashback on Myntra (capped) |
| HDFC Bank Millennia Credit Card HDFC Bank | ₹1,000 + GST | Amazon, Flipkart, Swiggy & partner brands | 5% cashback (CashPoints) on 10 partner merchants |
| Axis Bank ACE Credit Card Axis Bank | ₹499 + GST | Bill payments and food delivery | 5% cashback on bill payments via Google Pay |
| HSBC Live+ Credit Card HSBC | ₹999 + GST | Dining, food delivery & grocery | 10% cashback on dining, food delivery & grocery (monthly cap) |
| BPCL SBI Card OCTANE SBI Card | ₹1,499 + GST | High fuel spends at BPCL | High value-back on BPCL fuel (as per terms) |
| Aspire Credit Card Issuer shown on application page | Check on application page | Check details on the partner page | Card details, issuer and fees are shown on the partner application page |
FAQ
Credit card FAQs
Which is the best credit card in India?
There is no single best card. Pick based on where you spend most – online shopping, food delivery, fuel or travel – and whether you want a lifetime free card. Compare the fee, reward caps and waiver condition before applying.
What is a lifetime free credit card?
A card with no joining fee and no annual fee for as long as you hold it. Interest, late fees, forex markup and other charges can still apply.
Can I get a credit card with a low CIBIL score or no credit history?
Approval depends on the bank. If you are new to credit or have a low score, an FD-backed (secured) card is usually easier to get and helps build your credit history with on-time payments.
Does applying for many cards hurt my credit score?
Each application can lead to a hard enquiry. Many applications in a short time can lower your score, so apply for one card that fits you.
Do you charge any fee for credit card help?
No. Our credit card guidance is free. We may receive referral compensation from banks or partners when you apply through our links.
Are you a bank or card issuer?
No. Kotadiya Enterprise is an independent advisory and assistance service. Cards are issued only by banks and regulated issuers, who decide approval and credit limit.
Can a bank issue a credit card without my consent?
No. RBI rules say a card cannot be issued or upgraded without your explicit consent, and a request to close a card must be processed within 7 working days, subject to clearing dues.
How do I avoid interest on a credit card?
Pay the full ‘Total Amount Due’ by the due date. Paying only the minimum amount due leads to high interest on the balance.
Confused which card to pick?
Use the category filters and compare up to 3 cards side by side – then apply on the bank or partner page.
Free guidance · Not a bank · Approval by issuer only · *T&C Apply
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Disclaimer: We are an independent loan & credit card advisory and assistance service provider (Kotadiya Enterprise, Udyam: UDYAM-GJ-22-0004681), not a bank, NBFC or card issuer. Credit card approval, credit limit and card issuance are subject to the respective issuer’s eligibility criteria, credit assessment and internal policies. We do not guarantee approval. We do not charge any fee for credit card guidance; we may receive referral compensation from banks, issuers or partners when you apply through our links. Card names and brands belong to their respective owners and are used only to identify their products; card images are illustrations. Information was last reviewed on 5 November 2026 and may change – please confirm fees, rewards and terms in the issuer’s KFS/MITC before applying.
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