Compare Credit Cards in India (2026)

Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.

Rewards: 5 Reward Points per ₹150 spent

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

Renewal fee waived on ₹10,00,000 annual spend

Best for: Ultra-premium customers seeking premium travel, lounge and concierge benefits.

Lounge access: Unlimited Domestic & International

Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.

Rewards: 1 EDGE Mile/₹100 Spent on All Transactions

Lounge access: Unlimited Domestic & International

Forex markup: 1.5% Low Forex

Best for: Amazon Prime subscribers, everyday online shoppers, and utility bill payers seeking unconditional zero-annual-fee rewards without minimum redemption hurdles.

Rewards: 5% for Prime on Amazon, 3% for non-Prime, 2% on bills, 1% elsewhere

Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.

Rewards: 5% on 10 online merchants, 1% on other spends

Lounge access: 4 Domestic visits/year · ₹1L quarterly spend required

Renewal fee waived on ₹1,00,000 annual spend

Best for: Utility Bill Payers, Google Pay Users & Everyday Dining, Grocery and Cab Spenders

Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere

Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required

Renewal fee waived on ₹2,00,000 annual spend

Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives

Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends

Lounge access: 32 Domestic visits/year + Unlimited International

Forex markup: 1.99% Low Forex

Renewal fee waived on ₹12,00,000 annual spend

Best for: Serving and retired Indian Army officers and personnel seeking top-tier lifestyle luxury with zero annual maintenance fees.

Rewards: 2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.

Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required

Best for: Ultra-high-net-worth individuals, business magnates, and top corporate leaders seeking peerless bespoke luxury, unlimited worldwide lounge comfort, and fine dining.

Rewards: 1.5 Reward Points/₹100 Spent

Lounge access: 24 Domestic + 16 International visits/year · ₹5L quarterly spend required (Domestic)

Forex markup: 1.8% Low Forex

Renewal fee waived on ₹10,00,000 annual spend

Best for: Flipkart and Myntra loyalists who want automatic statement cashback on everyday e-commerce, food delivery, and entertainment spends.

Rewards: 5% Cashback for Spends on Flipkart and Cleartrip. 7.5% Cashback for Myntra Spends and 4% Cashback for Spends on Other Partners, Such as Zomato, Netmeds, PVR, and Uber

Renewal fee waived on ₹3,50,000 annual spend

Best for: Global family offices, private wealth patrons, and multinational business leaders seeking bespoke international banking privileges and global airport convenience.

Rewards: Bespoke high-yield rewards on global luxury spends

Lounge access: Unlimited Domestic & International

Forex markup: 1.5% Low Forex

Best for: Serving and retired Indian Navy officers and defense personnel seeking top-tier lifestyle luxury with zero annual fee.

Rewards: 3 RP / ₹100 base; 15 RP / ₹100 on travel, dining, and online

Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required

Forex markup: 2% Low Forex

Best for: Affluent corporate executives, luxury hotel loyalists, and frequent flyers seeking maximum travel reward multipliers paired with premium lifestyle memberships.

Rewards: 5 Reward Points per ₹150 spent

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

Renewal fee waived on ₹8,00,000 annual spend

Best for: Disciplined Monthly Spenders, Reward Point Maximizers & Marriott Bonvoy Loyalty Enthusiasts

Rewards: 1 MR point per ₹50 spent + 1,000 bonus points on 4x ₹1,500 spends + 1,000 on ₹20k monthly spend

Renewal fee waived on ₹1,50,000 annual spend

Best for: Chartered Accountants and ICAI certified finance leaders looking for zero annual fee metal exclusivity, unlimited airport lounges, and low forex fees.

Rewards: 2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)

Lounge access: 1 Domestic visits/quarter + 4 International visits/year · ₹50k quarterly spend required (Domestic)

Forex markup: 1.99% Low Forex

Best for: Frequent leisure and business travelers seeking accelerated airline booking multipliers, 1:1 airline transfer flexibility, and moderate annual fee overhead.

Rewards: 5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends

Lounge access: 2 Domestic + 2 International visits/quarter

Forex markup: 2% Low Forex

Renewal fee waived on ₹5,00,000 annual spend

Best for: Ultra-high-net-worth frequent flyers, global executives, and luxury travelers seeking direct 1:1 airline conversions, international lounge privileges with guests, and bespoke concierge hospitality.

Rewards: 1 EDGE Mile/₹100 on Domestic and 2 EDGE Mile/₹100 on International Spends

Lounge access: Unlimited Domestic & International

Forex markup: 1.8% Low Forex

Renewal fee waived on ₹15,00,000 annual spend

Best for: Ultra-high-net-worth individuals, golf aficionados, luxury diners, and international executives seeking bespoke concierge services and unlimited airport lounge luxury.

Rewards: 1 Reward Point for every Rs. 100 you spend on domestic purchases. 3 Reward Points for every Rs. 100 you spend on international purchases.

Lounge access: 12 Domestic + 8 International visits/year · ₹1.5L quarterly spend required (Domestic)

Forex markup: 1.8% Low Forex

Renewal fee waived on ₹10,00,000 annual spend