Credit Cards in India · Page 11

Best for: Small business owners, commercial merchant payments, digital tax settlements, and business UPI transactions.

Rewards: Rewards Redemption

Renewal fee waived on ₹50,000 annual spend

Best for: Corporate travel, SaaS subscriptions, digital marketing expenses, and formal MSME procurement.

Rewards: Rewards Redemption

Renewal fee waived on ₹50,000 annual spend

Best for: High-net-worth retail banking customers, executive flyers, and premium online shoppers seeking low forex fees and complimentary airport lounge access.

Rewards: Federal Rewards

Lounge access: 2 Domestic visits/quarter + 2 International visits/year · ₹60k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

Best for: Discerning cardholders seeking lifetime-free or premium relationship lifestyle privileges with airport lounge access.

Rewards: 1x rewards for other categories

Lounge access: 2 Domestic visits/quarter + 2 International visits/year · ₹60k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

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

Best for: Digital natives, food delivery enthusiasts, and online shoppers wanting tailored monthly cashback.

Rewards: 1% CashPoints on all other spends

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

Best for: High Spenders with ₹4L–₹7L Annual Spends, Taj Hotel Staycationers & Domestic Travelers

Rewards: 1 MR Point per ₹50 spent + up to 40,000 bonus milestone points + ₹10,000 Taj voucher

Lounge access: 8 Domestic visits/year

Best for: Savvy consumers who want total control over their card features and pay only for benefits they actually use.

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

Best for: ICSI members, corporate legal practitioners, and domestic lounge travel

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: Credit beginners, micro-spenders, first-time credit cardholders, and budget-conscious shoppers

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

Renewal fee waived on ₹75,000 annual spend

Best for: Urban families, grocery shoppers, and domestic commuters looking for accelerated rewards on departmental purchases and dependable travel lounge access.

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

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

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

Best for: Paytm UPI spends, Paytm Travel flight bookings, and Paytm Gold

Rewards: 1 RP per ₹100 eligible spends (1% effective via Paytm Gold; ~0.5% other redemptions)

Best for: Ultra-high-net-worth individuals and family offices maintaining ₹5 Crore+ relationship balances with Axis Bank, seeking zero foreign exchange fees, unlimited global lounge comfort with guests, and bespoke hotel elite statuses.

Rewards: 15 Edge Reward Points for every Rs. 200 spent.

Lounge access: Unlimited Domestic & International

Forex markup: 0% (Zero Forex)

Best for: High-Income Executives, Luxury Travelers & Burgundy Clients

Rewards: 12 EDGE Rewards per ₹200 spent (1.2% base value; 5:2 partner transfer)

Lounge access: 2 Domestic visits/quarter + Unlimited International · ₹50k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

Renewal fee waived on ₹25,00,000 annual spend

Best for: Google Pay users who want a zero-fee UPI-linked credit card to earn cashback on everyday QR code payments at local shops, kirana stores, and online merchants.

Rewards: 1 Star/₹500 Spent (0.2%)

Best for: Entry-level cardholders, everyday household bills, local grocery shopping, and fuel savings

Rewards: 2 Reward Points per ₹200 on general spends; 4 Reward Points per ₹200 on Grocery & Apparel

Lounge access: 4 Domestic visits/year

Renewal fee waived on ₹50,000 annual spend

Best for: Frequent train commuters and railway travelers looking for ticket cashback, 0% transaction charges on IRCTC, and UPI interoperability.

Rewards: 4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets...

Lounge access: 4 Domestic visits/year

Renewal fee waived on ₹50,000 annual spend

Best for: Public sector banking clients, frequent flyers, wellness enthusiasts, and corporate executives seeking domestic/international airport lounges and comprehensive travel protection.

Rewards: 2 RP for every ₹100 spent on transactions

Lounge access: 8 Domestic + 2 International visits/year

Best for: Serving and retired personnel of the Indian Army, Navy, Air Force, and Paramilitary forces seeking a lifetime-free rewards card with comprehensive defense insurance protection.

Rewards: 5X reward points for every Rs. 100 spent on CSDs, groceries, and departmental stores and 1 reward point for every Rs. 100 spent on all other expenses

Lounge access: 1 Domestic visits/quarter · ₹75k quarterly spend required