Credit Cards in India · Page 9

Best for: Regular drivers and suburban families wanting consolidated fuel savings at HPCL pumps alongside grocery kickbacks and airport lounge travel comfort.

Rewards: 2 ICICI Reward Points per Rs 100 spent

Lounge access: 1 Domestic visits/quarter · ₹75k quarterly spend required

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

Best for: Commissioned officers of the Indian Army, Navy, Air Force, and Paramilitary seeking upgraded lifestyle perks, airport lounge visits, and zero maintenance costs.

Rewards: 5X reward points on every Rs. 100 spent on grocery, departments store, and CSDs and 2 reward points for every Rs. 100 spent on other applicable expenses, and 1 reward point on e...

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

Best for: First-Time Borrowers, Credit Score Builders & Zero-Fee Relationship Seekers

Rewards: 2 Reward Points on every retail spend of Rs. 100

Best for: High-net-worth individuals (HNIs), luxury travelers, and corporate leaders seeking concierge services, golf, and 1:1 cash valueback.

Rewards: 2.5 RPs/₹100 Spent Internationally and 1 Reward Points Spent Domestically

Lounge access: 8 Domestic + 8 International visits/year · ₹5L quarterly spend required (Domestic)

Forex markup: 1.8% Low Forex

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

Best for: Frequent domestic and international business flyers, corporate travel bookers, and frequent flyer loyalists aiming to maximize airline ticket savings.

Rewards: 4 Air Miles per Rs 100 on airlines, 2 per Rs 100 on retail

Lounge access: 8 Domestic + 4 International visits/year · ₹60k quarterly spend required (Domestic)

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

Best for: Avid cinema lovers, weekend moviegoers, and film buffs who regularly watch movies at PVR and INOX multiplexes across India.

Rewards: Up to 2 free PVR INOX movie tickets monthly on spends + 20% food cashback

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

Best for: Frequent leisure and business travelers who book flights, hotels, and holidays via EaseMyTrip and want direct booking discounts combined with RuPay UPI perks.

Rewards: Earn 4 Points per ?100 spent (Flat 20% hotel & 10% flight discount on EaseMyTrip)

Lounge access: 8 Domestic + 2 International visits/year

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

Best for: Young urban professionals and digital natives looking for recurring monthly savings on daily food delivery, cab rides, weekend movies, and fashion.

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

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

Best for: High-net-worth travelers, global business executives, and fine dining connoisseurs seeking accelerated overseas rewards, airport lounge comfort, and golf access.

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

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

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

Best for: BPCL Fuel Users, Highway Drivers & Everyday Commuters

Rewards: 1 Reward Point per Rs 100 spent

Lounge access: 1 Domestic visits/quarter

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

Best for: Value-focused fashion shoppers who frequent Lifestyle and Max Fashion stores and want an affordable ₹499 card with guaranteed store reward accelerators.

Rewards: 10 Reward Points/₹100 Spent at Online & Retail Landmark Stores; 5 Reward Points/₹100 Spent on Dining and Movies; 1 Reward Point/₹100 Spent on Other Retail Purchases

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

Best for: Ultra-High-Net-Worth Individuals, Luxury Lifestyle Seekers & Premium Movie Goers

Rewards: 4 Reward Points per Rs. 100 spent (reward rate of 1%)

Lounge access: Unlimited Domestic & International

Forex markup: 1.99% Low Forex

Renewal fee waived on ₹12,00,000 annual spend

Best for: High-Net-Worth Individuals, Movie Buffs, Luxury Shoppers & Low-Forex International Spenders

Rewards: 2 Reward Points per Rs 100 spent

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

Forex markup: 1.99% Low Forex

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

Best for: Occasional flyers and aspiring miles collectors wanting an affordable gateway into multi-partner airline transfers without high annual maintenance fees.

Rewards: Get 2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for every ₹200 on other expenses.

Lounge access: 2 Domestic visits/quarter

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

Best for: Mid-to-High Spenders, Dining & Grocery Shoppers & Domestic/International Travelers

Rewards: 2 Reward Points per Rs 100 spent

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

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

Best for: Value-seeking consumers who shop regularly on BigBasket, Croma, 1mg, Westside, and Tata CLiQ and want an affordable ₹499 card with lounge access and RuPay UPI support.

Rewards: 2% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1% Neu Coins on All Other Eligible Spends, Including UPI (RuPay Variant)

Lounge access: 1 Domestic visits/quarter

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

Best for: Titan Ecosystem Shoppers, Tanishq Jewelry Buyers & Luxury Lifestyle Enthusiasts

Rewards: 6 RPs/₹100 Spent for All Non-Titan Spends

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

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

Best for: Utkarsh SFB depositors and aspiring cardholders looking for premium airport lounge access, golf privileges, and dining multipliers at a modest fee.

Rewards: 1.25% Cashback on Eligible Spends

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