HDFC Bank
Credit Card Issuer27Active Cards
HDFC Bank is one of India's leading private-sector banks, offering a wide range of credit cards across shopping, travel, dining, rewards, cashback and premium lifestyle categories.
CREDIT CARD ISSUER DIRECTORY
Explore Credit Card Issuers in India
Browse issuer portfolios and explore active credit cards using CardRecommend's independently researched database.
31 Active Issuers·399 Cards Tracked·28 Categories
All Credit Card Issuers
31 issuersBrowse card issuers to view credit card portfolios, reward structures, fee waivers, and airport lounge access.
SBI Card
Credit Card Issuer43Active Cards
SBI Card offers credit cards for cashback, shopping, travel, fuel, rewards and everyday spending, with options ranging from entry-level to premium cards.
ICICI Bank
Credit Card Issuer22Active Cards
ICICI Bank offers credit cards across shopping, rewards, travel, fuel, lifestyle and co-branded categories for a wide range of customers.
Axis Bank
Credit Card Issuer34Active Cards
Axis Bank offers credit cards covering cashback, travel, shopping, dining, fuel, rewards and premium lifestyle benefits.
American Express
Credit Card Issuer7Active Cards
American Express offers premium credit and charge cards in India with Membership Rewards, travel, lifestyle and service-focused benefits.
IDFC FIRST Bank
Credit Card Issuer19Active Cards
IDFC FIRST Bank offers credit cards with rewards, lifestyle, travel and everyday-spending benefits across multiple customer segments.
AU Small Finance Bank
Credit Card Issuer25Active Cards
AU Small Finance Bank offers credit cards designed around rewards, lifestyle, travel and everyday spending needs.
HSBC India
Credit Card Issuer9Active Cards
HSBC India offers credit cards focused on cashback, rewards, travel, dining and premium lifestyle benefits.
BOBCARD
Credit Card Issuer24Active Cards
BOBCARD offers credit cards across rewards, shopping, travel and everyday-spending categories.
Canara Bank
Credit Card Issuer10Active Cards
Canara Bank is a public-sector bank offering credit cards and payment products for shopping, travel and everyday expenses.
DBS Bank
Credit Card Issuer4Active Cards
DBS Bank India provides digital banking and financial products with a focus on technology-driven banking experiences.
Equitas Small Finance Bank
Credit Card Issuer3Active Cards
Equitas Small Finance Bank provides retail banking and financial services to customers across India.
Federal Bank
Credit Card Issuer13Active Cards
Federal Bank offers credit cards and banking products covering rewards, shopping, travel and everyday spending.
IDBI Bank
Credit Card Issuer5Active Cards
IDBI Bank provides retail banking, card and payment services for customers across India.
IndusInd Bank
Credit Card Issuer22Active Cards
IndusInd Bank offers credit cards across rewards, travel, entertainment, lifestyle and premium banking categories.
Bandhan Bank
Credit Card Issuer4Active Cards
Bandhan Bank is one of India's leading universal private sector commercial banks, offering a modern portfolio of lifestyle, travel, and premium Mastercard credit cards.
Karur Vysya Bank
Credit Card Issuer3Active Cards
Karur Vysya Bank provides retail banking, card and payment services for customers in India.
Kotak Mahindra Bank
Credit Card Issuer21Active Cards
Kotak Mahindra Bank offers credit cards across cashback, rewards, shopping, travel and lifestyle categories.
Punjab National Bank
Credit Card Issuer17Active Cards
Punjab National Bank is a major public-sector bank offering credit cards and payment products to Indian customers.
RBL Bank
Credit Card Issuer27Active Cards
RBL Bank offers credit cards across shopping, entertainment, travel, rewards and lifestyle categories.
Standard Chartered Bank
Credit Card Issuer7Active Cards
Standard Chartered India offers credit cards focused on rewards, cashback, travel and everyday spending.
Union Bank of India
Credit Card Issuer14Active Cards
Union Bank of India is a public-sector bank offering retail banking, card and payment products.
Utkarsh Small Finance Bank
Credit Card Issuer5Active Cards
Utkarsh Small Finance Bank provides retail banking and financial services for customers across India.
CSB
CSB Bank
Credit Card Issuer1Active Card
CSB Bank Limited is a private sector Indian bank headquartered in Thrissur, Kerala. In partnership with fintechs such as Jupiter (Amica Financial Technologies), it issues co-branded digital and physical RuPay credit cards.
SBM Bank India
Credit Card Issuer4Active Cards
SBM Bank India is a leading universal bank and subsidiary of State Bank of Mauritius, known for powering innovative co-branded credit cards and secured digital banking solutions.
YES BANK
Credit Card Issuer19Active Cards
YES BANK offers credit cards across rewards, travel, shopping, lifestyle and premium categories.
SS
Slice Small Finance Bank
Credit Card Issuer1Active Card
Slice Small Finance Bank (officially Slice Small Finance Bank Ltd, formerly North East Small Finance Bank Limited - NESFB) is a scheduled digital-first small finance bank in India, offering innovative UPI-linked credit cards, zero-forex accounts, and mobile banking services.
Unity Small Finance Bank Limited
Credit Card Issuer1Active Card
Unity Small Finance Bank Limited is a scheduled commercial bank licensed by the Reserve Bank of India (RBI Licence No. MUM: 149, issued 12 October 2021). It offers digital-first banking, high-yield savings accounts, and innovative retail credit products including the Roarbank 2-in-1 credit card.
DCB Bank Limited
Credit Card Issuer2Active Cards
DCB Bank Limited is a new generation scheduled commercial bank in India with modern digital banking services, offering retail deposits, micro-business loans, SME financing, and innovative co-branded secured credit cards.
LIC
LIC Cards
Credit Card Issuer4Active Cards
Explore credit card portfolios, fee waiver criteria, reward programs, and airport lounge access benefits from LIC Cards.
SS
Suryoday Small Finance Bank
Credit Card Issuer2Active Cards
Suryoday Small Finance Bank is a scheduled commercial bank offering retail banking, fixed deposits, and secured credit cards backed by term deposits.
How to Evaluate a Credit Card Issuer
Key criteria to evaluate when selecting a credit card issuing bank or financial institution in India.
Reward Structure & Currency
Evaluate whether the issuer offers flexible transfer partners (such as airline miles and hotel programs) or focuses on direct statement cashbacks and shopping credits.
Fee & Annual Waiver Policy
Review the annual renewal fee reversal milestones. Ensure your regular annual retail spending comfortably achieves the waiver criteria to maintain positive net card value.
Lounge & Travel Benefits
Check if airport lounge access requires meeting prior-quarter retail spend criteria, and verify whether the issuer maintains domestic and international lounge network partnerships.
Digital Experience & Security
Prioritize issuers with robust mobile apps supporting instant card locking, granular transaction limits, virtual card tokenization, and rapid real-time fraud alerts.
Credit Card Decision Tools
Explore Credit Card Categories
CATEGORY HUB
Explore Credit Cards by Category
Target credit cards curated around specific spending categories with verified reward rates and fee waiver rules.
Cashback
Cards that return part of your spending as cashback.
23 CardsExplore
Travel
Credit cards with travel, flight and hotel benefits.
147 CardsExplore
Rewards
Cards that earn reward points on everyday spending.
62 CardsExplore
Fuel
Cards offering rewards and savings on fuel spends.
20 CardsExplore
Lifetime Free
Credit cards with no annual membership fee.
38 CardsExplore
Premium
Premium cards with high-end travel and lifestyle benefits.
15 CardsExplore
Business
Cards designed for business and professional expenses.
7 CardsExplore
Student
Credit cards suitable for students and first-time users.
1 CardExplore
Issuer FAQs
Clear answers regarding credit card issuers, portfolio comparison, lifetime-free policies, and card terms in India.
Does the issuer matter when choosing a credit card?
Yes. While payment networks (Visa, Mastercard, RuPay) handle transaction routing, the credit card issuer sets the annual fee structure, reward program terms, interest rates, customer service, and digital banking app experience.
How do I compare issuer portfolios?
Compare issuers based on their primary card strengths. Some issuers specialize in premium travel rewards and airline partner transfers, others lead in direct online shopping cashback, while some focus on lifetime-free cards or low foreign currency markup rates.
Can an issuer offer multiple card types?
Yes. Most major issuers offer diverse card tiers spanning entry-level cards with low or zero annual fees, mid-tier cashback and fuel cards, and super-premium travel cards with complimentary airport lounge access and concierge perks.
How often are issuer portfolios updated?
CardRecommend's research database continuously synchronizes credit card terms, reward point conversion rates, fee waiver criteria, and airport lounge access rules against official bank Most Important Terms and Conditions (MITC) schedules.
How do I compare cards from two issuers?
You can compare cards side-by-side using our Compare Tool to evaluate joining fees, annual renewal milestones, reward earning rates, airport lounge visit quotas, and excluded categories across issuers.
Looking for more credit card research?
Explore card categories, airport lounge checkers, and independent credit card comparisons.