Credit Cards in India · Page 21

Best for: Entry-level cardholders, PNB account holders, and everyday shoppers wanting a low-cost credit card

Rewards: 1 Reward Points for every Rs. 100 you spend

Best for: Frequent Flyers, Hotel Loyalty Maximizers & High Spenders seeking Air Miles Transfers

Rewards: 5 EDGE Miles/₹100 on airlines/hotels, 2 EDGE Miles/₹100 on other retail

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Best for: Luxury Travelers, Frequent International Flyers, High Spenders & Golf Enthusiasts

Rewards: 2 Reward Points per ₹100 spent (1.0% return; 1 RP = ₹0.50 on travel)

Lounge access: 4 Domestic visits/quarter + 16 International visits/year

Forex markup: 0.99% Low Forex

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

Best for: Fitness enthusiasts, gym-goers, health-conscious spenders, and frequent medicine shoppers who want free gym memberships alongside airport lounge travel perks.

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: Practicing doctors, surgeons, clinic owners, and healthcare consultants requiring professional legal liability protection alongside travel perks and medical equipment procurement rewards.

Rewards: 1 Reward Point per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter

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

Best for: Loyal Reliance ecosystem shoppers (Reliance Digital, Trends, Smart Bazaar, JioMart) who spend ₹10,000+ monthly and travel domestically and internationally.

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

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

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

Best for: High-net-worth entrepreneurs, business founders, and corporate directors paying substantial advance tax, GST, vendor bills, and business travel expenses.

Rewards: 5 Reward Points per ₹150 spent (3.33% base return)

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

Renewal fee waived on ₹7,50,000 annual spend

Best for: SME owners, corporate directors, digital marketing agencies, and self-employed professionals paying statutory taxes, GST, cloud tools, and vendor invoices.

Rewards: 5 Reward Points per ₹200 spent (~0.625% base return)

Lounge access: 8 Domestic + 6 International visits/year · ₹75k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

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

Best for: Daily digital spenders, UPI power users, and frequent travelers seeking an established bank credit card for mobile QR code merchant payments.

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

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

Best for: Budget Travelers, Occasional MakeMyTrip Bookers & IRCTC Train Travelers

Lounge access: 4 Domestic visits/year

Best for: High-Net-Worth Spenders, Flat Reward Maximizers & Luxury International Travelers

Lounge access: 16 Domestic + 12 International visits/year · ₹20k monthly spend required (International)

Forex markup: 2% Low Forex

Best for: Standard Chartered Priority Banking clients and affluent travelers looking for a complimentary high-end card with generous lounge access and premier dining benefits.

Lounge access: 16 Domestic + 4 International visits/year

Best for: Retail Spenders, Monthly Shoppers & Domestic Travelers Seeking Monthly Lounges

Lounge access: 4 Domestic visits/year

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

Best for: First-time credit card holders and budget-conscious spenders who dine out regularly and want uncapped accelerated rewards on fuel and restaurants with minimal fee commitment.

Renewal fee waived on ₹60,000 annual spend

Best for: Salaried households and daily commuters looking for predictable 5% cashback on everyday fuel, household electricity, water, gas, and telephone bills.

Renewal fee waived on ₹90,000 annual spend

Best for: Credit Beginners, Mobile-First App Enthusiasts & Category Multiplier Spenders

Forex markup: 1% Low Forex

Best for: Ultra-High-Net-Worth Individuals, Luxury Global Travelers & Elite Concierge Seekers

Lounge access: Unlimited Domestic & International

Best for: Disciplined Monthly Spenders, Milestone Collectors & Gold Collection Redeemers

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