Credit Cards in India · Page 18

Best for: Shopping

Rewards: 4 Edge Rewards on every spend of Rs. 200.

Best for: Daily city commuters and budget two-wheeler or four-wheeler owners fueling regularly at HPCL pumps.

Rewards: 2 Reward points per Rs. 100 spent

Renewal fee waived on ₹50,000 annual spend

Best for: First-time cardholders and budget-conscious spenders seeking a dependable entry-level card from a trusted public sector institution.

Rewards: 2 Delight Points on every Rs 150 spent

Renewal fee waived on ₹75,000 annual spend

Best for: Online wallet reloads, Amex dining offers, and contactless daily spends

Rewards: 4 RPs from 1st to 4th Transaction, 8 RPs from 5th to 10th Transaction and After That 10 RPs for Each Transaction

Renewal fee waived on ₹50,000 annual spend

Best for: Everyday consumers and young professionals who want customizable reward categories aligned with their specific spending habits.

Rewards: Up to 8X Reward Points for Select Spends

Best for: Budget-conscious consumers, first-time credit cardholders, and retail shoppers seeking a cost-free credit card with dining privileges and cinema perks.

Rewards: 1.5 RPs per Rs. 100 spent and 1.2 RPs per Rs. 100 spent on utilities & insurance categories.

Best for: First-time cardholders, Kotak811 mobile banking users, credit builders, and everyday UPI micro-transactors.

Rewards: Up to 1.5% cashback on super.money app, 0.5% on other retail

Best for: Corporate professionals and SMEs managing bifurcated business and personal expenses

Rewards: 10 Reward Points on Every ₹300 Spent

Lounge access: 8 Domestic + 2 International visits/year

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

Best for: First-time cardholders, students, and entry-level professionals seeking affordable reward points and entertainment savings.

Rewards: For Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories

Renewal fee waived on ₹50,000 annual spend

Best for: Account holders seeking seamless debit-to-credit switching in one wallet card

Rewards: N/A

Lounge access: 1 Domestic visits/quarter

Renewal fee waived on ₹50,000 annual spend

Best for: Enterprise employee travel, client entertainment, and procurement

Rewards: 2 RP per Rs 100 on travel & entertainment, 1 RP on other commercial spends

Lounge access: 8 Domestic visits/year

Best for: Budget-conscious shoppers and entry-level cardholders seeking consistent everyday savings and low annual fee maintenance.

Rewards: Up to 1.5% Cashback on Online Spends (>₹10k FD) & 1.0% on Offline/UPI Spends

Renewal fee waived on ₹50,000 annual spend

Best for: Salaried individuals and families looking for a low-cost, dependable everyday payment card from a trusted public sector bank.

Renewal fee waived on ₹50,000 annual spend

Best for: First-time cardholders, college graduates, and budget-conscious retail shoppers seeking an affordable credit card with minimal spending hurdles.

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

Renewal fee waived on ₹25,000 annual spend

Best for: First-time applicants, contactless mobile payments, and online grocery runs

Rewards: 1 Reward Point per ₹100 spent offline (0.25% return; 1 RP = ₹0.25)

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

Best for: Budget Shoppers, Zomato Food Delivery & Utility Bill Discounts

Rewards: 1 EDGE REWARD Point/₹200 on All Eligible Spends (Reward Rate 0.10%)

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

Best for: Government undertakings, public sector employees, and corporate expense tracking

Rewards: N/A

Best for: DBS digibank users, online food delivery, and digital bill payments

Rewards: 2 Cash Points/₹200 Across All Three Variants

Lounge access: 4 Domestic visits/year

Renewal fee waived on ₹75,000 annual spend