Credit Cards in India · Page 12

Best for: Mid-Tier Spenders, Movie Enthusiasts, Weekend Diners & Domestic Travelers

Rewards: 4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities

Lounge access: 2 Domestic visits/quarter · ₹75k quarterly spend required

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

Best for: Frequent domestic holidaymakers, hotel bookers, and flight travelers who regularly use MakeMyTrip for personal or family travel.

Rewards: 6 myCash/₹200 on Hotel Spends, 3 myCash/₹200 on Flight, Bus, and Cab Bookings, and 1 myCash/₹200 on Other Spends

Lounge access: 1 Domestic visits/quarter + 1 International visits/year · ₹75k quarterly spend required (Domestic)

Forex markup: 0.99% Low Forex

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

Best for: IDBI Bank account holders seeking lifestyle wellness perks, golf rounds, and domestic airport lounge comfort combined with RuPay credit on UPI integration.

Rewards: Earn 500 delight points or more on making 5 transactions worth Rs. 1000 per month. Earn 2 delight points on every Rs. 100 spent on this card.

Lounge access: 8 Domestic + 2 International visits/year

Renewal fee waived on ₹90,000 annual spend

Best for: Corporate leadership, senior business executives, and corporate entertainment

Rewards: 1 RP on Each Spend of Rs. 100. 0.70 RPs on Select Spends of Insurance, Utilities, Education and Rental Payments

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

Forex markup: 2% Low Forex

Best for: Young professionals, occasional travelers, and leisure spenders looking for a zero-fee credit card with complimentary airport lounges and movie discounts.

Rewards: 1 Reward Point per Rs 100 on weekdays, 2 Reward Points on weekends

Best for: Moviegoers, Department Store Shoppers, UPI Spenders & Budget Cardholders

Rewards: 4 RP per Rs 150 on special categories, 2 RP per Rs 150 on retail

Renewal fee waived on ₹50,000 annual spend

Best for: High-Volume Spenders, Luxury Brand Shoppers & Domestic/International Travelers

Rewards: Milestone-based White Pass vouchers up to Rs 27,000 per year

Lounge access: 8 Domestic + 4 International visits/year · ₹1L quarterly spend required (Domestic)

Forex markup: 2% Low Forex

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

Best for: Daily digital spenders, mobile UPI QR payments, and consumers looking for a lifetime free RuPay credit card with direct cashback conversion.

Rewards: 1.5% Cashback on UPI Scan & Pay + 0.5% Cashback on Online Spends

Best for: High-spending fashion shoppers, departmental retail buyers, and luxury wardrobe curators who regularly shop across Shoppers Stop retail stores and app.

Rewards: 4 pts/Rs 200 on other retail (cap 500/mo); 15 pts/Rs 200 at Shoppers Stop (cap 1500/mo); 1 pt = Rs 1

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

Best for: Ultra-high-net-worth individuals, Private Wealth banking clients, global jet-setters, and luxury lifestyle connoisseurs

Rewards: 4 Reward Points per Rs 200 on domestic retail spends (2% value back)

Lounge access: Unlimited Domestic & International

Forex markup: 1.99% Low Forex

Best for: Train Commuters, IRCTC AC Ticket Bookers & RuPay UPI Everyday Spenders

Rewards: 1 Reward Point on every spend of Rs. 125.

Lounge access: 4 Domestic visits/year

Renewal fee waived on ₹50,000 annual spend

Best for: Heavy PhonePe users, utility bill payers, and urban spenders seeking accelerated reward velocity on digital transactions.

Rewards: 1 Reward Point per Rs. 100 spent on other eligible retail transactions

Lounge access: 2 Domestic visits/quarter

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

Best for: International holidaymakers, digital nomads, study-abroad students, and global business travelers looking to eliminate the standard 3.5% foreign transaction fee.

Rewards: 4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App

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

Forex markup: 0% (Zero Forex)

Best for: Corporate executives and frequent domestic travelers looking for balanced travel rewards, low forex markups, and accessible annual spend waivers.

Rewards: 4 reward points per Rs. 200 spent on Select categories utilities, groceries, tax payments, insurance sales, etc.8 reward points per Rs. 200 you spent on every other retail purch...

Lounge access: 2 Domestic visits/quarter + 4 International visits/year · ₹75k quarterly spend required (Domestic)

Forex markup: 1.75% Low Forex

Renewal fee waived on ₹2,50,000 annual spend

Best for: Active online shoppers and food app users looking for straightforward statement cashback without point expiry or catalogue redemption hassles.

Rewards: 0.75% cashback on all retail spends, 5% cashback on movies & groceries.

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

Best for: Young salaried professionals seeking a zero-maintenance international credit card with reliable dining discounts and movie perks.

Rewards: 2 Reward Points per ₹150 spent

Best for: Women executives, professionals, and entrepreneurs seeking curated wellness privileges, airport lounge comfort, and shopping rewards.

Rewards: 2 Reward Points/₹100 Spent

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

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

Best for: Spenders looking for wellness perks, golf, and domestic airport lounge access combined with RuPay credit on UPI integration.

Rewards: You can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobi...

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

Renewal fee waived on ₹50,000 annual spend