Credit Cards in India · Page 5

Best for: High-spending diners, grocery shoppers, and leisure travelers looking for accelerated dining returns, global lounge comfort, and BookMyShow movie ticket discounts.

Rewards: 5 Reward Points per ₹100 spent (1.25% return; 1 RP = ₹0.25)

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

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

Best for: Airtel Subscribers, Utility Bill Payers & Routine Food Delivery

Rewards: 25% on Airtel, 10% on utilities, 10% on Swiggy/Zomato/BigBasket, 1% others

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

Best for: UPI Power Users, Small-Ticket Daily Spenders & QR Code Cashback Seekers

Rewards: 2 EDGE RPs per Rs. 200 spent with the card on domestic and international spends

Best for: Flipkart Ecosystem Shoppers & Regular Swiggy/Uber Users

Rewards: 5% on Flipkart, 4% on partners, 1% on other spends

Renewal fee waived on ₹3,50,000 annual spend

Best for: IKEA shoppers and home furnishing enthusiasts in metro cities who want a dedicated zero-fee card for furniture, décor, and kitchen purchases with dining rewards.

Rewards: 3 EDGE Reward Points/₹100 for Spends With IKEA. 2 EDGE Reward Points/₹100 Spent on Dining.

Best for: Travel

Rewards: 7 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 3 IndiGo BluChips Per ₹100 Spent On Grocery & Hotel Categories. 2 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends

Lounge access: 1 Domestic visits/quarter + 2 International visits/year · ₹50k quarterly spend required (Domestic)

Best for: Samsung ecosystem enthusiasts and urban shoppers looking for high direct cashback on electronics, food delivery, and groceries.

Rewards: 10 EDGE Points/₹100 Spent on Zomato, UrbanCompany, Tata 1MG, Myntra, and BigBasket. 5 EDGE Points/₹100 on Other Domestic and International Eligible Spends. Up to ₹10,000 Cashbac...

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

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

Best for: Frequent domestic fliers, fine dining enthusiasts, movie lovers, and premium lifestyle spenders

Rewards: 10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International

Lounge access: 16 Domestic + 4 International visits/year

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

Best for: Modern women executives and lifestyle enthusiasts who spend frequently on dining, wellness, salon services, and fashion apparel and desire strong lounge benefits.

Rewards: 15 RPs/₹100 Spent on Travel, Dining, and International Spends. 3 RPs/₹100 on All Other Eligible Spends

Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required

Forex markup: 2% Low Forex

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

Best for: Motorists, daily commuters, and vehicle owners looking to maximize fuel savings at HPCL outlets while earning accelerated rewards on groceries.

Rewards: Get 24 Reward Points per Rs. 150 spent on fuel transactions at all the HPCL fuel stations. 10 Reward Points per Rs. 150 spent on groceries and departmental spends. 2 Reward Poin...

Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required

Renewal fee waived on ₹50,000 annual spend

Best for: Serving and retired Indian Navy officers and sailors seeking transparent public-sector credit perks with zero recurring charges.

Rewards: Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.

Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required

Best for: High-net-worth Canara Bank clients and international travelers seeking top-tier Mastercard World privileges with public sector transparency.

Rewards: 2 RP for every ₹100 spent on e-commerce transactions

Lounge access: 12 Domestic + 2 International visits/year

Best for: Frequent Emirates and flydubai international flyers seeking direct airline tier status, priority airport check-in and boarding, accelerated Skywards miles, and unlimited global lounge access.

Rewards: 2 Skyward Miles/₹100 Spent on All Transactions

Lounge access: Unlimited Domestic & International

Forex markup: 1.5% Low Forex

Best for: Frequent international flyers and Emirates passengers seeking direct airline miles accrual, international lounge access, and low forex fees at a moderate annual fee tier.

Rewards: 1.5 Skyward Miles/₹100 Spent

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

Forex markup: 2% Low Forex

Best for: Frequent Domestic & International Travelers, Golfers & Premium Cinema Goers

Rewards: 4 points/₹100 intl, 2 points/₹100 domestic

Lounge access: 4 Domestic visits/quarter + 2 International visits/year · ₹75k quarterly spend required (Domestic)

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

Best for: Tech-savvy daily digital spenders, CRED ecosystem power users, and mobile-first shoppers who want to earn credit card rewards on small merchant UPI QR codes.

Rewards: 5 CRED Points/₹100 for E-commerce Transactions, CRED UPI, and Transactions at CRED Store, CRED Travel, and CRED Pay

Renewal fee waived on ₹50,000 annual spend

Best for: Casual diners, food enthusiasts, and budget-conscious restaurant patrons looking for guaranteed restaurant bill discounts with zero annual maintenance fees forever.

Rewards: 2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends

Best for: Affluent travelers, avid golfers, and high-frequency online shoppers seeking unlimited domestic transit lounge access with high reward conversion rates.

Rewards: Earn 2.5 reward points per Rs. 100 spent online, 1.5 reward points per Rs. 100 spent on online travel and flight bookings, 1 RP for spends of Rs. 100 on other purchases.

Lounge access: 4 Domestic + 8 International visits/year · ₹1.5L quarterly spend required (Domestic)