Credit Cards in India · Page 14

Best for: Daily commuters, highway drivers, and vehicle owners spending regularly on fuel at IndianOil retail outlets nationwide.

Rewards: 6X EDGE Miles/₹150 at IndianOil Outlets. 2X EDGE Miles/₹150 on Grocery Spends. 1X EDGE Miles on All Other Eligible Spends

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

Renewal fee waived on ₹30,000 annual spend

Best for: IndianOil Petrol/Diesel Buyers & RuPay UPI Convenience

Rewards: 1 EDGE Point per Rs 100 spent

Renewal fee waived on ₹50,000 annual spend

Best for: Users looking for effortless UPI QR payments, zero recurring annual fee, and public-sector banking reliability.

Rewards: Earn 2 reward points on every Rs. 100 spent on this card including on e-commerce transactions.

Best for: Frequent international flyers, Gulf travelers, and loyal Emirates passengers aiming to accelerate Skywards Miles towards flight upgrades and reward tickets.

Rewards: 1 Skyward Miles/₹100 on All International and Domestic Spends

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

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

Best for: IDBI Bank priority customers looking for airport lounge comfort, travel insurance protection, and accessible spend-based fee reversals.

Rewards: 3 Delight Points per Rs. 100 spent using the card

Lounge access: 4 Domestic visits/year

Best for: Affluent IDBI Bank account holders seeking travel comfort, domestic airport lounge visits, and curated golf privileges.

Rewards: 3 Reward Points per Rs. 100 spent & 6 Reward Points per Rs. 100 spent on hotels, Airlines, Bus bookings, etc. You can save up to 1.5% using this card.

Lounge access: 8 Domestic + 2 International visits/year

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

Best for: Students, first-time credit card applicants, homemakers, freelancers, and individuals repairing low credit scores who want a zero-fee card backed by FD interest.

Rewards: 2 RP per Rs 100 online, 1 RP per Rs 100 offline

Best for: Regular fashion, lifestyle, and beauty shoppers at Shoppers Stop stores and digital platforms seeking direct discounts and milestone shopping vouchers.

Rewards: 2 First Citizen Points per Rs 200 on general retail spends (0.5% value back)

Renewal fee waived on ₹4,00,000 annual spend

Best for: Frequent urban diners, domestic business flyers, and lifestyle spenders seeking lounge privileges and accelerated dining points.

Rewards: 2 Reward Points per Rs 100 on general retail spends (0.5% value back)

Lounge access: 8 Domestic visits/year · ₹35k quarterly spend required

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

Best for: International travelers, students abroad, and global online shoppers seeking to eliminate foreign currency markup fees.

Rewards: 1 Travel Point per Rs 100 on general retail spends (0.25% value back)

Lounge access: 4 Domestic + 4 International visits/year · ₹35k quarterly spend required (Domestic)

Forex markup: 0% (Zero Forex)

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

Best for: Entry-Level Online Shoppers & Digital Voucher Seekers

Rewards: 10X points (2.5%) on partners, 5X points (1.25%) on all online shopping

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

Best for: Dining out, weekend grocery and departmental shopping, zero-annual-fee entry, and RuPay UPI payments.

Rewards: 5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions

Renewal fee waived on ₹50,000 annual spend

Best for: Online Shoppers, Mid-Tier Lifestyle Spenders, Golfers & Domestic Flyers

Rewards: 8 RPs/₹200 Spent Online, 4 RPs/₹200 Spent Offline and 2 RPs/₹200 for Select Category

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

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

Best for: Axis Bank Affluent and Wealth banking customers seeking a zero-fee privilege card with airport lounge privileges and fine dining discounts.

Rewards: See issuer terms

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

Best for: Young professionals, online shopping enthusiasts, and milestone spenders seeking accelerated rewards with non-expiring points and an accessible fee waiver.

Rewards: 1% cashback on UPI via IDFC app; 0.5% cashback on general retail and other UPI

Forex markup: 0% (Zero Forex)

Renewal fee waived on ₹50,000 annual spend

Best for: Karur Vysya Bank clients seeking domestic airport lounge access, dining points acceleration, and reliable merchant acceptance.

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

Lounge access: 2 Domestic visits/quarter

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

Best for: South Indian Bank customers looking for domestic airport lounge comfort, grocery points acceleration, and accessible spend waivers.

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

Lounge access: 2 Domestic visits/quarter

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

Best for: Women business owners, boutique proprietors, and independent SME executives seeking targeted business rewards, airport lounges, and working capital.

Rewards: 10 RP per Rs 100 on business travel & office supplies, 1 RP on other retail

Lounge access: 8 Domestic + 4 International visits/year

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