Credit Cards in India · Page 15

Best for: Digital-first professionals, tech-savvy millennials, and global travelers seeking tailored 5% brand cashback and flexible rewards.

Lounge access: 4 Domestic visits/year

Forex markup: 2% Low Forex

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

Best for: Urban professionals and digital consumers looking for direct savings on Swiggy, Zomato, BigBasket, and Netflix with low carrying costs.

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

Best for: Family grocery shopping at BigBasket, dining out, and domestic travel

Rewards: Federal Rewards

Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required

Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.

Rewards: 1x rewards for other categories

Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required

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

Best for: Frequent Indian Railways travellers, commuters, and UPI users seeking ticket savings and station lounge comfort.

Rewards: 1 CashPoint per ₹100 spent on other retail transactions (1% return)

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

Best for: Fashion-forward shoppers and professionals purchasing formal and casual apparel from Aditya Birla stores.

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

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

Best for: Young professionals, weekend diners, and apparel shoppers seeking accelerated points on lifestyle spending with an accessible ₹1 Lakh fee waiver.

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 ₹1,00,000 annual spend

Best for: Canara Bank customers seeking a reliable everyday credit card with zero recurring maintenance fees and public-sector transparency.

Rewards: 2 RP for every ₹100 spent on E-Commerce

Lounge access: 8 Domestic visits/year

Best for: Canara Bank account holders, conservative spenders, first-time credit users, and basic credit building

Rewards: 2 Reward Points on every spend of Rs. 100.

Best for: Digital shoppers, young professionals building credit history, FD-backed instant approval, and online food ordering.

Rewards: 2RPs/₹100 Spent & 5X Points for 2 Out of These Categories: Apparel, Dining, Grocery, Taxi, and Utility

Lounge access: 4 Domestic visits/year

Renewal fee waived on ₹1,20,000 annual spend

Best for: Frequent domestic travelers, dining enthusiasts, and weekend getaways

Rewards: 1RP/₹100 Spent, 3X RPs on UPI, Contactless Payments, and Pay-by-3 Merchants

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

Best for: Users who appreciate customized card aesthetics, quarterly lounge access, and regular cinema ticket discounts.

Rewards: 3 Reward Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per Rs. 100 on utility payments

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

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

Best for: Innovative digital adopters, minimalist wallet users, and account holders who want seamless switching between credit lines and debit savings on one card.

Rewards: 1 Reward Points per spend of Rs. 150

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

Best for: Motorists and EV drivers who fuel or charge at Jio-bp mobility stations across India.

Rewards: 12 Smiles/₹100 Spent at Jio-bp Stations. 5 Smiles/₹100 Spent at Dining, Supermarket & Grocery. All Other Spends Shall Be Eligible for 2 Smiles/₹100 Spent

Best for: Central/State government employees, PSU staff, and defense personnel wanting an official RuPay credit card for seamless UPI scanning.

Rewards: 1% Cashback on Spends of Rs. 20,000 in a Statement Cycle (Max Rs. 200)

Renewal fee waived on ₹75,000 annual spend

Best for: Tech enthusiasts, frequent POS in-store shoppers, and consumers seeking point-of-sale payment flexibility and BookMyShow movie savings.

Rewards: 1 Reward Point/₹150 Spent

Best for: Frequent domestic flyers, business travelers, and vacationers who routinely fly on IndiGo.

Rewards: 1% on general retail, 2% on dining/grocery/entertainment, 2.5% on IndiGo

Best for: First-time cardholders, students, freelancers, and individuals with no credit history seeking to establish or repair their CIBIL score with guaranteed issuance.

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

Renewal fee waived on ₹50,000 annual spend