Credit Cards in India · Page 3

Best for: Young Urban Spenders, Food Delivery Enthusiasts & Digital Cab Commuters

Rewards: 3% Cashback on Entertainment, Food Delivery & Commute

Renewal fee waived on ₹50,000 annual spend

Best for: Utility Bill Payers, Supermarket Shoppers & Fuel Commuters Seeking Direct Statement Cashback

Rewards: 5% Cashback on Online Spending Up to ₹1,500/Month and Unlimited 1% Cashback on Everything Else

Renewal fee waived on ₹50,000 annual spend

Best for: Affluent international jet-setters and corporate executives seeking unlimited global lounge access, luxury hotel vouchers, and high-yield airline rewards.

Rewards: 4 VP/₹200 Spent in India and 8 VP/₹200 Spent Internationally

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

Renewal fee waived on ₹5,00,000 annual spend

Best for: Frequent air travelers and luxury spenders looking for high miles earning rates, unlimited airport lounge access, and premium travel insurance.

Rewards: 3 Reward Points for ₹100 Spent; 3X Reward Points for International POS and Online Purchases

Lounge access: 8 Domestic + 4 International visits/year

Forex markup: 2% Low Forex

Renewal fee waived on ₹4,80,000 annual spend

Best for: Frequent flyers and airport visitors traveling through Adani-managed airports (Mumbai, Ahmedabad, Lucknow, Jaipur, Guwahati, Thiruvananthapuram, Mangaluru) seeking airport valet, lounge comfort, and travel savings.

Rewards: 7 Adani Reward Points/₹100 on Spends Made With Adani Ecosystem

Lounge access: 1 Domestic visits/quarter + 2 International visits/year · ₹75k quarterly spend required (Domestic)

Renewal fee waived on ₹6,00,000 annual spend

Best for: Affluent travelers, luxury lifestyle seekers, and frequent flyers seeking unlimited lounge and spa access with premier golf and movie privileges.

Rewards: 4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.

Lounge access: Unlimited Domestic & International

Forex markup: 1.5% Low Forex

Renewal fee waived on ₹15,00,000 annual spend

Best for: Ultra-high-net-worth individuals, luxury hotel loyalists, and elite frequent flyers seeking a top-tier metal card with flat uncapped 3% rewards and zero reward redemption fee.

Rewards: 6 ICICI Reward Points per ₹200 spent on all retail transactions (3.0% return; 1 RP = ₹1)

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

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

Best for: Foodies, frequent restaurant diners, and socialites who want maximum direct table discounts on eating out and weekend cinema privileges.

Rewards: 10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%)

Lounge access: 8 Domestic visits/year

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

Best for: International long-haul travelers and airline loyalty enthusiasts flying on oneworld alliance carriers seeking direct Avios accumulation, low forex markup, and premium lounge comforts.

Rewards: 6X Avios/₹200 at Preferred Destinations (POS Only), 5X Avios/₹200 for Spends on Qatar/British Airways Website, 3X Avios/₹200 for Online Spends at Preferred Destinations and 1X A...

Lounge access: 8 Domestic + 8 International visits/year · ₹50k quarterly spend required (Domestic)

Forex markup: 1.5% Low Forex

Best for: Everyday digital spenders, mobile UPI users, and budget-conscious individuals seeking a cost-free credit card for daily QR code merchant payments.

Rewards: 2 RPs for Every Rs 100 Spent on UPI. 1 RP for Each Rs 100 Non-UPI Transaction

Best for: High-net-worth public sector bank patrons, overseas travelers, and corporate leaders seeking luxury metal card prestige with zero foreign exchange fees and comprehensive travel coverage.

Rewards: 3X Reward Points/₹100 Spent on Dining and Travel. 4 Reward Points/₹100 Spent

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

Renewal fee waived on ₹6,00,000 annual spend

Best for: Frequent train travelers, interstate business rail commuters, and vacationers booking AC-class train tickets on the IRCTC website or app.

Rewards: 1 Reward Point per Rs 100 on other retail spends (0.25% value back)

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

Best for: Grocery Shoppers, Supermarket Buyers, Casual Moviegoers & Budget Households

Rewards: 1 Reward Point per Rs 100 on other retail spends (0.25% value back)

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

Best for: Health-conscious families and frequent Apollo Pharmacy/24|7 users who want to earn significant rewards on medicine, diagnostics, and healthcare while enjoying lounge access and wellness perks.

Rewards: 10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Ot...

Lounge access: 2 Domestic visits/quarter

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

Best for: Daily Commuters, Two-Wheeler Owners & Budget Fuel Spenders at BPCL Outlets

Rewards: 1 Reward Point per Rs 100 spent

Renewal fee waived on ₹50,000 annual spend

Best for: PhonePe-first users who pay bills, recharges, insurance, and travel through PhonePe and want an affordable ₹499 credit card with straightforward UPI-linked rewards.

Rewards: 3 Reward Points/₹100 Spent on PhonePe, 2 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends

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

Best for: Super-Premium Spenders, Heavy Online Shoppers & Frequent International Travelers

Rewards: 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200

Lounge access: 6 Domestic visits/quarter + Unlimited International · ₹1L quarterly spend required (Domestic)

Forex markup: 1% Low Forex

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

Best for: YES Bank Private Banking patrons, CXOs, and frequent global business travelers requiring personalized 24/7 concierge and comprehensive luxury benefits.

Rewards: 24 Reward Points for every Rs. 200 spent on international spends, 16 Reward Points for every Rs. 200 spent on domestic spends.

Lounge access: Unlimited Domestic & International

Forex markup: 1.75% Low Forex