Credit Cards in India · Page 6

Best for: IndusInd Pioneer Banking patrons looking for a zero-annual-cost luxury credit card with quarterly international lounge access and weekend spending perks.

Rewards: Get 2 Reward Points on every Rs 100 spent on weekends and 1 Reward Point on every Rs 100 spent on weekdays.

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

Forex markup: 2% Low Forex

Best for: International holidaymakers, weekend fine-dining spenders, and frequent flyers seeking discounted forex markups and airport lounge comfort on an affordable budget.

Rewards: 1.5 Reward Points per Rs 100 spent

Lounge access: 8 Domestic + 2 International visits/year · ₹35k quarterly spend required (Domestic)

Forex markup: 1.5% Low Forex

Best for: Daily city commuters, two-wheeler owners, and budget-conscious car drivers spending ₹3,000 to ₹7,500 monthly on fuel who want low annual fees and easy waivers.

Rewards: 3 Reward Points per Rs 150 on retail spends (0.5% value back)

Renewal fee waived on ₹50,000 annual spend

Best for: Frequent domestic flyers, business travelers, and family vacationers loyal to IndiGo seeking automatic flight vouchers, priority airport services, and quarterly lounge access.

Rewards: 2% on retail, 3% on dining/grocery, 5% on IndiGo

Lounge access: 8 Domestic visits/year · ₹75k quarterly spend required

Best for: Women professionals and avid shoppers looking for accelerated rewards on fashion, jewelry, and groceries, combined with domestic lounge visits and movie milestones.

Rewards: 10 RP per Rs 100 on shopping/dining, 1 RP per Rs 100 on other retail

Lounge access: 8 Domestic + 4 International visits/year

Renewal fee waived on ₹50,000 annual spend

Best for: High-net-worth individuals, luxury boutique shoppers, and affluent frequent flyers seeking bespoke lifestyle redemption currency and unlimited transit comfort.

Rewards: Milestone-based White Pass vouchers up to Rs 2,50,000 per year

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

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

Best for: Fashion & Apparel Shoppers, Jewelry Buyers, Lifestyle Spenders & Domestic Travelers

Rewards: 10 Zen Points per Rs 150 on apparel/jewelry, 5 Zen Points on other retail

Lounge access: 8 Domestic + 3 International visits/year · ₹75k quarterly spend required (Domestic)

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

Best for: Gen-Z, college graduates, and young urban professionals looking for accelerated points on digital lifestyle apps combined with RuPay UPI payments and lounge perks.

Rewards: Earn 2 reward points on every other Rs. 150 spent on this card. Earn 50 extra bonus reward points on registering for E-bill facility.

Lounge access: 8 Domestic + 2 International visits/year

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

Best for: Value-seeking professionals who want the premium lifestyle privileges of the RuPay Select tier (domestic + international lounges, wellness perks, spa) combined with everyday UPI payments.

Rewards: 2 Reward Points on every spend of Rs. 150.

Lounge access: 8 Domestic + 2 International visits/year

Best for: Avid moviegoers, theatre enthusiasts, concert attendees, and leisure entertainment spenders who watch 1 to 2 movies a month via BookMyShow.

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

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

Best for: High-mileage commuters, road trip enthusiasts, and highway drivers spending ₹5,000+ monthly on fuel at IndianOil stations who desire domestic airport lounge access.

Rewards: 2 Fuel Points per Rs 100 on other retail spends (1% value back)

Lounge access: 4 Domestic visits/year · ₹35k quarterly spend required

Renewal fee waived on ₹2,75,000 annual spend

Best for: High-net-worth RBL Signature Banking customers seeking premium concierge, golf privileges, and complimentary airport lounge access.

Rewards: 2 Reward Points per Rs 100 on general retail spends (0.5% value back)

Lounge access: 8 Domestic visits/year · ₹35k quarterly spend required

Best for: International globetrotters, foreign business travelers, and overseas online shoppers seeking zero forex charges and airport lounge comfort.

Rewards: 2 Travel Points per Rs 100 on general retail spends (0.5% value back)

Lounge access: 8 Domestic + 2 International visits/year · ₹35k quarterly spend required (Domestic)

Forex markup: 0% (Zero Forex)

Best for: Affluent international travelers, Star Alliance frequent flyers, and corporate executives who regularly fly Singapore Airlines across Southeast Asia, Australia, and North America.

Rewards: 5 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 5 KrisFlyer/₹200 Spend Abroad

Lounge access: 2 Domestic + 2 International visits/quarter

Forex markup: 2% Low Forex

Best for: Heavy shoppers and families who buy clothing, footwear, furniture, and groceries across Landmark Group chains (Lifestyle, Max, Home Centre, SPAR) and want airport lounge comfort.

Rewards: 25 RPs/₹100 Spent at Landmark Stores. 10 RPs/₹100 Spent for Dining, Movies & International Spends. 2 RPs/₹100 Spent for Other Eligible Purchases

Lounge access: 2 Domestic visits/quarter

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

Best for: Fashion and home décor enthusiasts who regularly shop at Landmark Group stores (Lifestyle, Max, Home Centre, SPAR) and want accelerated points plus lounge perks.

Rewards: 15 RPs/₹100 Spent at Landmark Stores. 10 RPs/₹100 Spent for Dining, Movies & International Spends. 2 RPs/₹100 Spent for Other Eligible Purchases

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

Best for: Frequent Flyers, Global Travelers & Direct Air Mile Accumulators

Rewards: 6 Travel Credits for Every ₹200 Spent on Travel. 2 Travel Credits/₹200 Spent on All Other Purchases

Lounge access: 2 Domestic visits/quarter + 6 International visits/year

Forex markup: 1.99% Low Forex

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

Best for: Frequent domestic and international travelers seeking direct 1:1 air mile conversions across multiple global airline and hotel partners without high luxury card fees.

Rewards: Get 4 Travel Credits for every ₹200 spent on travel and 2 Travel Credits for every ₹200 on other expenses.

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

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