Credit Cards in India · Page 4

Best for: Dining Enthusiasts, Food Delivery & Supermarket Grocery Shoppers

Rewards: 10% on dining, food delivery, groceries, shopping, utilities (up to ₹1,200/cycle), 1.5% unlimited elsewhere

Lounge access: 1 Domestic visits/quarter + 1 International visits/year

Forex markup: 1.99% Low Forex

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

Best for: HSBC Premier Banking clients, global jet-setters, corporate executives, and international travelers wanting near-zero forex markups and bespoke hospitality perks.

Rewards: 3 Reward Points per ₹100 spent

Lounge access: Unlimited Domestic & International

Forex markup: 0.99% Low Forex

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

Best for: Frequent Airline Travelers, International Vacationers & Flexible Air Mile Transfer Enthusiasts

Rewards: 2 Reward Points per ₹100 spent

Lounge access: 6 Domestic + 4 International visits/year

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

Best for: Young salaried professionals, college graduates, and OTT subscribers seeking lifestyle perks and manageable ₹1,00,000 spend fee waivers.

Rewards: Milestone-based rewards: up to 4,000 points per month based on total spend thresholds

Forex markup: 0% (Zero Forex)

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

Best for: Millennials, Digital Shoppers, Zero-Forex Spenders & IRCTC Train Commuters

Rewards: 3X on offline retail; 6X on online shopping up to ₹20,000/month; 10X on incremental spends > ₹20,000

Forex markup: 0% (Zero Forex)

Best for: Serving and retired Indian Armed Forces and Paramilitary personnel looking for zero maintenance fees, high accident insurance, and RuPay UPI functionality.

Lounge access: 8 Domestic + 2 International visits/year

Best for: UHNI Private Club Access (The Quorum & 280+ Global Clubs), Zero Forex & Luxury International Travel

Rewards: 3% rewards on eligible domestic spending, 2% on international spending

Forex markup: 0% (Zero Forex)

Best for: Entry-Level Online Shoppers, Grocery & Essential Retail Buyers

Rewards: 2 CashPoints per ₹150 spent

Renewal fee waived on ₹50,000 annual spend

Best for: Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers

Rewards: 5 Reward Points per ₹200 spent

Lounge access: 12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

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

Best for: Daily smartphone spenders, PayZapp/UPI users, and grocery shoppers looking to link a digital credit card to Google Pay or PhonePe for small daily merchant QR transactions.

Rewards: 1% CashPoints on all other UPI retail payments

Renewal fee waived on ₹25,000 annual spend

Best for: Daily commuters, vehicle owners, and two-wheeler motorists fueling up at IndianOil outlets who desire low fee waivers and grocery savings.

Rewards: 1 Fuel Point per ₹150 spent (0.64% return)

Renewal fee waived on ₹50,000 annual spend

Best for: Fashion shoppers, departmental store buyers, and families who purchase clothing, cosmetics, and lifestyle brands at Shoppers Stop outlets.

Rewards: 1% Reward Points on all other retail transactions

Renewal fee waived on ₹50,000 annual spend

Best for: Frequent shoppers across the Tata consumer ecosystem and digital spenders wanting maximum rewards on QR code merchant UPI payments.

Rewards: 1.5% NeuCoins on Non-Tata & UPI spends

Lounge access: 8 Domestic + 4 International visits/year · ₹50k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

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

Best for: Value-conscious consumers, BigBasket/1mg shoppers, and UPI spenders seeking an affordable entry point into the Tata Neu rewards ecosystem.

Rewards: 1% NeuCoins on Non-Tata & UPI spends

Lounge access: 4 Domestic visits/year · ₹50k quarterly spend required

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

Best for: Young Earners, First-Time Amex Applicants & Regular Shoppers on Amazon, Flipkart, Swiggy & Uber

Rewards: 1 Membership Reward Point/Rs. 50 spent (with a few exceptions), 10X Reward Points on Flipkart, Uber, Zomato, AJIO, PVR, Blinkit and more.

Renewal fee waived on ₹40,000 annual spend

Best for: First-time credit cardholders, college graduates, and budget-conscious households looking for direct 2% cashback on monthly grocery and utility bills with minimal fee liability.

Rewards: 1% cashback on all retail transactions (capped at ₹50 per statement cycle)

Lounge access: 4 Domestic visits/year · ₹20k quarterly spend required

Renewal fee waived on ₹40,000 annual spend

Best for: Young salaried professionals and online shoppers looking for reliable 1.5% online rewards, domestic airport lounge access, and a very low fee waiver threshold.

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

Lounge access: 8 Domestic visits/year · ₹20k quarterly spend required

Renewal fee waived on ₹80,000 annual spend

Best for: Global travelers, international business travelers, and study-abroad families seeking zero foreign currency transaction fees paired with extensive domestic and international lounge visits.

Rewards: 2 Reward Points per ₹100 spent domestically (0.5% return; 1 RP = ₹0.25)

Lounge access: 1 Domestic visits/quarter + 8 International visits/year · ₹50k quarterly spend required (Domestic)

Forex markup: 0% (Zero Forex)

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