Credit Cards in India · Page 16

Best for: Everyday consumers and online shoppers wanting no-nonsense statement credit cashback without points tracking.

Rewards: 5% cashback on top merchants, 0.5% on other retail

Renewal fee waived on ₹50,000 annual spend

Best for: Kotak customers seeking an effortless digital card for QR code UPI shopping, groceries, and dining.

Rewards: 3 Reward Points per Rs 100 on UPI merchant spends

Best for: Household grocery shopping at Patanjali Mega Stores, Ayurvedic wellness purchases, and zero-surcharge RuPay UPI payments.

Rewards: 1 Reward Point on every spend of Rs. 150 and 2% cashback at Patanjali stores.

Lounge access: 4 Domestic visits/year

Best for: Patanjali retail shoppers, ayurvedic wellness consumers, and families seeking health benefits, airport lounge visits, and high insurance cover.

Rewards: 2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.

Lounge access: 8 Domestic + 2 International visits/year

Best for: Vehicle owners who patronize IndianOil petrol pumps and want automated fuel points redemption.

Rewards: 1 Fuel Point per Rs 100 on other retail spends (0.5% value back)

Renewal fee waived on ₹1,75,000 annual spend

Best for: Patanjali retail shoppers, ayurvedic wellness consumers, and households purchasing organic staples and medicines regularly at Patanjali outlets.

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

Lounge access: 4 Domestic visits/year · ₹35k quarterly spend required

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

Best for: High-net-worth individuals, frequent international travelers, golf enthusiasts, and luxury lifestyle spenders

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

Lounge access: 12 Domestic + 12 International visits/year · ₹35k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

Renewal fee waived on ₹10,00,000 annual spend

Best for: Salaried individuals looking for milestone shopping rewards, regular movie discounts, and airport lounge comfort.

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

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

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

Best for: Everyday In-Store Spenders, Dining/Groceries & RuPay UPI

Rewards: 1 Reward Point/₹150 Spent (Reward Rate = 0.17%) and 10X RPs for Spends on Movies, Grocery, Dining, & Departmental Stores (Reward Rate 1.7%)

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

Best for: YES BANK customers seeking a digital card to earn rewards on daily QR code UPI payments from credit lines.

Rewards: 4 RPs per ₹200 on UPI transactions above ₹2,000, 2 RPs per ₹200 on other online spends

Best for: Health-conscious consumers, families seeking routine preventive medical checkups, and everyday shoppers who prioritize wellness perks.

Rewards: 20 RPs/₹200 Spent on Chemists and ₹4 RPs/₹200 Spent Elsewhere

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

Best for: Health-conscious individuals, fitness enthusiasts, and families wanting annual medical checkups and gym privileges.

Rewards: 6 Reward Points per Rs. 200 spent, 30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores.

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

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

Best for: Urban homemakers, female professionals, and wellness enthusiasts seeking accelerated rewards on supermarket groceries, beauty retail, and diagnostic health checkups.

Rewards: 12 YES Rewardz/₹200 on Fashion, Beauty, Dining & Grocery (1.5% value), 8 pts/₹200 on other online (1.0% value), 4 pts/₹200 offline (0.5% value)

Lounge access: 1 Domestic visits/quarter · ₹25k quarterly spend required

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

Best for: Young salaried professionals and new-to-bank customers looking for a zero-fee global bank credit card for everyday dining, food delivery, and mobile recharges.

Rewards: 1 Reward Point per ₹100 spent

Best for: Women looking for everyday shopping discounts, health benefits, and effortless UPI scan-and-pay merchant transactions.

Rewards: 2 RP for every ₹100 spent

Renewal fee waived on ₹50,000 annual spend

Best for: Fitness memberships, organic grocery shopping, and spa discounts

Rewards: 4 RP for every ₹100 spent on dining, shopping, groceries, etc. 2 RP for every ₹100 spent on other spends

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

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

Best for: Households and everyday spenders seeking predictable monthly utility savings, grocery discounts, and low interest financing.

Rewards: 5% on online spends > ₹10,000; 3% on online <= ₹10,000; 1% on retail in-store and UPI

Forex markup: 0% (Zero Forex)

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

Best for: Young professionals and smart revolvers looking for low-interest financing, lifestyle merchant offers, and zero carrying charges.

Rewards: 2% on online spends > ₹10,000; 1% on online <= ₹10,000, in-store, and UPI

Forex markup: 0% (Zero Forex)