Utkarsh SFB Wish Credit Card

Best for: Entry-level salaried professionals, homemakers, and budget-conscious households seeking 1.25% savings on grocery and cinema spending with an easy fee waiver hurdle.

Rewards: 5X reward points on every Rs. 100 spent on movies, groceries, and departmental stores. 1 reward point on every Rs. 100 spent on other categories.

Renewal fee waived on ₹35,000 annual spend

Best for: First-time cardholders seeking accessible credit limits and fuel surcharge waivers

Rewards: 2 RP for every ₹100

Renewal fee waived on ₹25,000 annual spend

Best for: Digital natives, fast-food delivery, fashion retail, and cinema tickets

Rewards: 1% Cashback on Eligible Spends

Renewal fee waived on ₹40,000 annual spend

Best for: UPI Scan & Pay, Accelerated Shopping on Amazon/Flipkart/Myntra (>₹15k Monthly Spend), and Jupiter Flights

Rewards: 5% Jewels (5 Jewels per ₹100 spend; up to 1% effective value at ₹0.20/Jewel, 0.7% as statement credit)

Best for: Loyal Reliance ecosystem shoppers (Reliance Digital, Trends, Smart Bazaar, JioMart) who spend ₹10,000+ monthly and travel domestically and internationally.

Rewards: 2 Reward Points per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend

Best for: Tech-savvy daily digital spenders, CRED ecosystem power users, and mobile-first shoppers who want to earn credit card rewards on small merchant UPI QR codes.

Rewards: 5 CRED Points/₹100 for E-commerce Transactions, CRED UPI, and Transactions at CRED Store, CRED Travel, and CRED Pay

Renewal fee waived on ₹50,000 annual spend