Credit Cards in India · Page 10

Best for: Mobile-first consumers who want an instant, zero-maintenance virtual credit card to earn rewards on everyday UPI QR code payments at local stores without carrying a plastic card.

Rewards: 2 RPs for Every ₹200 on Non-UPI Spends

Best for: High-value LIC policyholders and IDBI Bank account holders seeking complimentary airport lounge visits, RuPay UPI convenience, and accelerated insurance reward earnings.

Rewards: 4 Delight Points for every ₹100 spent on eligible transactions

Lounge access: 8 Domestic visits/year

Best for: LIC policyholders paying regular premiums who desire a lifetime free credit card with UPI payments and airport lounge access.

Rewards: 10X RPs for LIC Insurance Spends. 5X RPs for Spends on Utilities, Education, Groceries, and Railways

Lounge access: 8 Domestic visits/year · ₹20k monthly spend required

Best for: Affluent globetrotters, international shoppers, and metal card connoisseurs seeking zero foreign currency exchange fees, exceptional global lounge/spa coverage, and never-expiring reward points.

Rewards: 10X on international spends and spends > ₹20,000/month; 5X on retail spends <= ₹20,000

Lounge access: 4 Domestic + 4 International visits/quarter · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

Renewal fee waived on ₹9,00,000 annual spend

Best for: High-spending professionals, executive travelers, and golf enthusiasts looking for non-expiring reward points and international lounge visits.

Rewards: 10X on spends above ₹20,000/month; 5X on retail below ₹20,000

Lounge access: 2 Domestic visits/quarter + 8 International visits/year · ₹20k monthly spend required (Domestic)

Forex markup: 0% (Zero Forex)

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

Best for: Moderate-to-High Spenders, Zero-Forex Shoppers, Weekend Moviegoers & Domestic Travelers

Rewards: 3X on offline retail; 6X on online shopping up to ₹20,000/month; 10X on incremental spends > ₹20,000

Lounge access: 2 Domestic visits/quarter · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

Best for: International travelers, overseas online shoppers, and affluent consumers seeking a luxury metal card with guaranteed approval and zero forex markup.

Rewards: 4X points on online, offline, and international spends; 1X on utilities/insurance

Lounge access: 1 Domestic visits/quarter · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

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

Best for: IndiGo flight rewards & dual-network flexibility against IDFC FIRST Fixed Deposit

Rewards: Up to 22 BluChips/₹100 for Flight Bookings Via the IndiGo Website/App. 0.5 BluChips/₹100 for UPI, Rent, Utility, Insurance, and Wallet Spends, and 3 BluChips/₹100 for Other Elig...

Forex markup: 0% (Zero Forex)

Best for: Punjab & Sind Bank clients looking for luxury airline and hotel memberships, grocery savings, and comprehensive airport lounge access.

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: City Union Bank customers and frequent domestic travelers looking for comprehensive lifestyle memberships and airport lounge access.

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: Karnataka Bank customers seeking a flagship premium credit card for dining, travel, and international airport lounge privileges.

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: Karur Vysya Bank account holders wanting luxury airline/hotel memberships, grocery savings, and international travel convenience.

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: South Indian Bank account holders seeking elite airline and hotel tier privileges, grocery rewards, and domestic & international airport lounge access.

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: UCO Bank patrons and frequent flyers seeking luxury hotel memberships, grocery savings, and domestic & international airport lounge access.

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: C-suite executives, senior corporate partners, and international business travel

Rewards: 4 RP per Rs 100 on corporate travel/dining, 1 RP on other commercial spends

Lounge access: 8 Domestic + 4 International visits/year

Forex markup: 2% Low Forex

Best for: High-spending urban shoppers and frequent flyers seeking maximum cashback on digital spending paired with domestic and international airport lounge comfort.

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

Best for: Zomato Food Delivery, Dining Out on District, Blinkit Orders & Quick-Commerce Spends

Rewards: 1% base statement cashback on all other eligible retail transactions

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

Best for: Appreciating 24K Gold Rewards, UPI Scan & Pay, and Zero Forex International Spends

Rewards: 1.00

Forex markup: 0% (Zero Forex)