Credit Cards in India · Page 13

Best for: First-time credit card applicants and LIC policyholders seeking an accessible lifetime free RuPay card for UPI payments and insurance payments.

Rewards: 6X RPs for LIC Spends & 3X RPs for Utilities, Education, Railway and Government Spends

Lounge access: 4 Domestic visits/year · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

Best for: LIC policyholders, annual insurance premium payments, grocery shopping, and zero-maintenance financial security.

Rewards: 3 Delight Points for every ₹100 spent on eligible transactions

Best for: Axis Bank Wealth Management clients, affluent savings account holders, and family banking customers seeking zero-cost lifestyle privileges and dining perks.

Rewards: See issuer terms

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

Best for: Existing and new IDFC FIRST Bank customers who want a virtual Lifetime Free card for instant QR code payments with non-expiring reward points.

Rewards: 3X points on UPI spends > ₹2,000; 1X on UPI spends <= ₹2,000

Renewal fee waived on ₹50,000 annual spend

Best for: Corporate leadership, business travel expense management, enterprise procurement, and corporate travelers

Rewards: 1 RP / ₹100 on retail transactions

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

Best for: Indian Armed Forces personnel, paramilitary forces, defense veterans, and military families seeking a zero-fee credit card with high insurance protection and UPI payments.

Rewards: 2 Reward Points per ₹100 spent (0.50% value) + 3% Cashback on CSD Canteen Spends

Lounge access: 4 Domestic + 1 International visits/year

Best for: Heavy Google Pay users, digital bill payers, and urban consumers seeking accelerated rewards on routine mobile recharges and merchant QR codes.

Rewards: 1 Star per ₹500 spent (0.20% value; 1 Star = ₹1), up to 8 Stars per ₹500 (1.60% value) on spend tiers

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

Best for: Growing MSME owners, startup founders, and commercial executives with substantial recurring operational and travel expenses.

Rewards: 2 CashPoints per Rs 150 spent on eligible retail spends

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

Best for: Women professionals, fitness and wellness spending, fashion and apparel purchases, and zero-surcharge fuel expenses.

Lounge access: 4 Domestic + 1 International visits/year

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

Best for: Affluent Union Bank account holders and frequent domestic travelers looking for premium airport lounge comfort and high insurance protection at low maintenance cost.

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

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

Best for: Canara Bank priority customers seeking zero-fee luxury privileges, airport lounge visits, and reliable public-sector banking security.

Lounge access: 12 Domestic visits/year

Best for: Appreciating 24K Gold Rewards, UPI Payments, and Zero Forex Travel

Rewards: 1.00

Forex markup: 0% (Zero Forex)

Best for: First-Time Cardholders, College Graduates & Daily App Spenders

Rewards: 1 CashPoint per ₹150 spent (~0.10% to 0.17% return)

Renewal fee waived on ₹50,000 annual spend

Best for: Consumers who pay household utility bills via PhonePe and order frequently from online food delivery platforms.

Rewards: 1% on UPI Scan & Pay and other retail transactions

Lounge access: 8 Domestic visits/year · ₹75k quarterly spend required

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

Best for: Affluent department store shoppers, fashion enthusiasts, and frequent domestic and international flyers.

Rewards: 2 Reward Points per ₹150 spent on all other retail transactions (1.33% return)

Lounge access: 16 Domestic + 8 International visits/year

Best for: Savvy online shoppers and frequent diners looking for reward points acceleration, low spend waiver hurdles, and airport lounge comfort.

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

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

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

Best for: Credit card bill payments via CheQ app, daily UPI QR payments, and zero-fee routine retail spending.

Rewards: 1% on all standard retail transactions

Best for: Serving and retired Indian Armed Forces personnel (Army, Navy, Air Force, Paramilitary) seeking a low-maintenance rewards card with patriotic styling and everyday dining discounts.

Rewards: For every Rs. 200 spent, you will get 8 EDGE REWARD Points.

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

Renewal fee waived on ₹40,000 annual spend