Credit Cards in India · Page 2

Best for: IndusInd Pioneer Wealth clients, corporate founders, and luxury travelers seeking heavy metal prestige, unlimited global lounge comfort, and luxury hotel vouchers.

Rewards: 2.5 Reward Points for Rs 100 spent on international transactions and 1 Reward Points for Rs 100 spent on domestic transactions.

Lounge access: 8 Domestic + 8 International visits/year

Forex markup: 1.8% Low Forex

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

Best for: Ultra-high-net-worth individuals and IndusInd Pioneer Private banking clients seeking unlimited global luxury travel and elite lifestyle privileges.

Rewards: 3 RPs for All Eligible Spends and 0.7 RPs on Select Categories (Utilities, Education, Government Transactions)

Lounge access: Unlimited Domestic & International

Forex markup: 1.5% Low Forex

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

Best for: Value-conscious consumers, government employees, and public-sector banking patrons seeking a reliable RuPay credit card for everyday UPI payments with airport lounge perks.

Rewards: 1 Reward Points per Rs. 100 spent

Lounge access: 4 Domestic visits/year

Renewal fee waived on ₹50,000 annual spend

Best for: Online Shoppers, Direct Statement Cashback Seekers & E-Commerce Power Users

Rewards: 5% online cashback (up to ₹2,000/cycle), 1% offline cashback (up to ₹2,000/cycle), total combined cap ₹4,000/cycle

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

Best for: Discerning patrons of Taj, SeleQtions, Vivanta, and Ginger hotels seeking VIP hospitality treatment and accelerated hotel rewards.

Rewards: Accelerated Taj Points on IHCL Stays

Forex markup: 2% Low Forex

Best for: Ultra-high-net-worth individuals and private wealth clients seeking a prestigious metal card with unlimited global lounge access and zero-interest cash liquidity.

Rewards: 5 Reward Points per ₹150 on general retail (3.33% travel return; 1 RP = ₹1.00 on travel)

Lounge access: 4 Domestic visits/quarter + 16 International visits/year · ₹20k monthly spend required (Domestic)

Forex markup: 1.5% Low Forex

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

Best for: Ultra-high-net-worth clients, global business executives, and luxury travelers demanding zero forex markups, spa privileges, and never-expiring reward points.

Rewards: 6 Reward Points per ₹150 on online; 3 RP per ₹150 on offline; 10X on birthday (1 RP = ₹1.00 on travel)

Lounge access: Unlimited Domestic & International

Forex markup: 0% (Zero Forex)

Renewal fee waived on ₹25,00,000 annual spend

Best for: Daily motorists, highway commuters, and budget-conscious suburban families looking to save up to 6.5% on HPCL fuel along with solid 5% grocery and utility returns.

Rewards: Up to 6.5% savings on HPCL fuel; 5% on grocery, utility, and FASTag; 3X on other retail

Lounge access: 1 Domestic visits/quarter · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

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

Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI

Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.

Lounge access: Unlimited Domestic visits · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

Best for: Indian Army, Navy, Air Force, CAPF, and Police personnel seeking a zero-fee public-sector credit card with substantial accidental death protection.

Lounge access: 1 Domestic visits/quarter

Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI

Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.

Lounge access: Unlimited Domestic visits · ₹20k preceding billing-cycle spend required

Forex markup: 0% (Zero Forex)

Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI

Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.

Lounge access: Unlimited Domestic visits · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

Best for: Frequent travelers, staycation enthusiasts, and hotel loyalty members who stay at Marriott properties (JW Marriott, Westin, Sheraton, Courtyard).

Rewards: 2 Marriott Bonvoy Points per ₹150 spent

Lounge access: 12 Domestic + 12 International visits/year

Best for: Existing Swiggy HDFC Cardholders & Urban Delivery Shoppers

Rewards: 10% on Swiggy, 5% on 1,000+ online partner apps, 1% elsewhere

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

Best for: Affluent Urbanites, Movie Lovers Seeking BookMyShow Perks & Golf Enthusiasts

Rewards: 1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.

Lounge access: 12 Domestic visits/year

Best for: Urban Households, BigBasket Grocery Shoppers & Swiggy Food Delivery Spenders

Rewards: 10 EDGE Points per Rs 200 spent (1% value back)

Lounge access: 2 Domestic visits/quarter + 6 International visits/year · ₹50k quarterly spend required (Domestic)

Renewal fee waived on ₹8,00,000 annual spend

Best for: UPI-first spenders who want a zero-fee credit card for everyday QR code payments at kirana stores, local shops, and online merchants with automatic cashback.

Rewards: 3% Cashback for UPI Spends Via super.money UPI and 1% Cashback on All Other Qualifying Spends

Best for: College Students, Young Professionals, Moviegoers & Weekend Dining Enthusiasts

Rewards: 4 EDGE Points per Rs 200 spent

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

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