Credit Cards in India · Page 7

Best for: Junior commissioned officers, soldiers, and defence personnel seeking an economical credit card for monthly canteen purchases and routine household expenses with insurance protection.

Rewards: 1 Reward Points on every spend of Rs. 100 and 5x Reward Points on groceries, dining, CSD, movies, departmental stores, etc.

Renewal fee waived on ₹50,000 annual spend

Best for: Serving and retired Indian Armed Forces and Paramilitary personnel seeking accelerated rewards at CSD canteens, comprehensive accidental insurance, and military-tailored privileges.

Rewards: 10 RPs/₹100 Spent on Dining, Groceries, Departmental Stores (Including CSD Canteen), and Movies. 2 RPs/₹100 on All Other Spends

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

Best for: Tata ecosystem loyalists who shop across Croma, BigBasket, Westside, Air India, and Tata CLiQ and want combined lounge access with a low 1.99% forex markup.

Rewards: 5% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1.5% Neu Coins on All Other Eligible Spends Including UPI (RuPay Variant)

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

Forex markup: 1.99% Low Forex

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

Best for: High-net-worth banking customers of Utkarsh SFB desiring unlimited airport lounge access, complimentary golf sessions, and bespoke luxury concierge assistance.

Rewards: 1.25% Cashback on Eligible Spends

Lounge access: 16 Domestic visits/year

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

Best for: Gen-Z and millennial digital spenders who want personalized reward accelerators tailored directly to their specific spending habits rather than rigid bank-set categories.

Rewards: 1% cash back or 8 Reward Points on every retail spend of Rs. 200 (choose between rewards/cashback).

Best for: Budget-conscious consumers, home decorators, and electronics shoppers who regularly finance big-ticket purchases through EMIs and want automatic conversion without documentation.

Rewards: Get 1% cashback on all retail purchases and 3% cashback on selected transactions through YES Cart.

Best for: Frequent travelers and corporate executives looking for extensive domestic and international lounge access, golf rounds, and low forex fees under ₹2,500 annual fee.

Rewards: 24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories

Lounge access: 3 Domestic + 3 International visits/quarter · ₹1L quarterly spend required (Domestic)

Forex markup: 1.75% Low Forex

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

Best for: Urban professionals who shop online frequently, dine out, watch movies regularly, and want golf privileges and lounge access in a single mid-premium card.

Rewards: 12 RPs for every Rs. 200 spent online. 6 RPs per Rs. 200 you spend offline. 4 RPs on select categories like insurance, education, and rental payments.

Lounge access: 2 Domestic visits/quarter · ₹50k quarterly spend required

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

Best for: Regular diners and grocery shoppers who want high category-specific cashback rates combined with lounge access and UPI payment compatibility at a low ₹499 annual fee.

Rewards: 1.5% cashback on retail spends

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

Best for: Existing and new HSBC cardholders wanting a lifetime-free virtual RuPay card to earn credit card rewards on daily UPI QR code merchant spends.

Rewards: 2 Reward Points per ₹150 spent on UPI

Best for: Frequent travelers and lifestyle spenders seeking solid metal card prestige, low foreign exchange fees, and airport lounge access at an accessible fee tier.

Rewards: 5X points (5 RP per ₹150) up to ₹20,000 monthly spend; 10X points (10 RP per ₹150) on incremental spend > ₹20,000

Lounge access: 4 Domestic + 2 International visits/quarter · ₹20k monthly spend required

Forex markup: 0% (Zero Forex)

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

Best for: Everyday In-Store Spenders, Value Shoppers & Zero-Forex Budget Travelers

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: High-income earners, corporate executives, and global travelers looking for comprehensive airport lounge and golf privileges without paying recurring annual credit card maintenance fees.

Rewards: 10X on dining, travel, international & spends > ₹20,000/month; 6X on online up to ₹20,000; 3X on offline

Lounge access: 3 Domestic visits/quarter + 4 International visits/year · ₹20k monthly spend required (Domestic), ₹20k monthly spend required (International)

Forex markup: 0% (Zero Forex)

Best for: Credit builders, students, freelancers without income proof, and overseas travelers seeking a guaranteed-approval card with zero foreign exchange fees and high FD interest.

Rewards: 4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return)

Forex markup: 0% (Zero Forex)

Best for: Serving and retired Indian Coast Guard personnel seeking reliable public-sector credit benefits and airport lounge convenience without maintenance charges.

Rewards: 2 RP / ₹100 base; 10 RP / ₹100 on departmental stores & movies

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

Best for: High-frequency domestic and international business flyers seeking unlimited airport lounge comfort, accelerated flight miles, and luxury golf access.

Rewards: 6 Air Miles per Rs 100 on airlines, 3 per Rs 100 on other retail

Lounge access: 16 Domestic + 8 International visits/year · ₹75k quarterly spend required (Domestic)

Forex markup: 2% Low Forex

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

Best for: Budget Flight Bookers, EaseMyTrip Loyalists & Economy Domestic Travelers

Rewards: 2 Reward Points per Rs 100 on retail spends

Lounge access: 2 Domestic visits/year

Renewal fee waived on ₹50,000 annual spend

Best for: Urban professionals, frequent leisure flyers, and premium dining enthusiasts seeking global lounge access and accelerated rewards across flight and hotel bookings.

Rewards: 4 Reward Points per ₹150 spent

Lounge access: 8 Domestic & International visits/year · ₹60k quarterly spend required

Forex markup: 2% Low Forex

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