2 cards
2 cards
1 card
2 cards
6 cards
1 card
1 card
1 card
1 cardSBI Card
Cashback SBI Card
•••• 5764Visa
Cashback SBI Card
SBI Card
5% online cashback
- 5% cashback on online spends
- 1% cashback on offline spends
- Cashback auto-credited to your statement
Joining fee₹999
Annual fee₹999
Updated October 2026 · 17 cards · Free
Best Credit Cards in India: Compare & Apply Online
Compare credit cards from Amex, HDFC, SBI, Axis, ICICI, Scapia, Kiwi and more. Tell us how you spend and see which card puts the most money back in your pocket.
0Cards compared
0Banks & issuers
0Lifetime free
Apply on the official bank site
Catches shown upfront
No sign-up, no personal data
30-second recommendation
What do you spend on most?
Top picks
The best card for every need
Our pick of the strongest cards in each category.
#1
ICICI Bank
Amazon Pay ICICI Credit Card
•••• 7352Visa
Amazon Pay ICICI Credit CardICICI Bank 5% on Amazon
Annual feeFree
#2
Scapia
Scapia Credit Card
•••• 3382Visa / RuPay
Scapia Credit CardFederal Bank / Axis Bank / BOBCARD 0% forex
Annual feeFree
#3
super.money
super.money RuPay Credit Card
•••• 6955RuPay
super.money RuPay Credit CardAxis Bank 3% on UPI
Annual feeFree
#1
super.money
super.money RuPay Credit Card
•••• 6955RuPay
super.money RuPay Credit CardAxis Bank 3% on UPI
Annual feeFree
#2
HDFC Bank
Tata Neu Infinity HDFC Bank
•••• 7749RuPay / Visa
Tata Neu Infinity HDFC BankHDFC Bank 5% on Tata brands
Annual fee₹1,499
#3
Kiwi
Kiwi RuPay Credit Card
•••• 4970RuPay
Kiwi RuPay Credit CardYES Bank / AU / PNB 1.5% on scan & pay
Annual feeFree
#1
SBI Card
Cashback SBI Card
•••• 5764Visa
Cashback SBI CardSBI Card 5% online cashback
Annual fee₹999
#2
Axis Bank
Flipkart Axis Bank Credit Card
•••• 6161Mastercard
Flipkart Axis Bank Credit CardAxis Bank 7.5% on Myntra
Annual fee₹500
#3
ICICI Bank
Amazon Pay ICICI Credit Card
•••• 7352Visa
Amazon Pay ICICI Credit CardICICI Bank 5% on Amazon
Annual feeFree
#1
HDFC Bank
Swiggy HDFC Bank Credit Card
•••• 5367Mastercard
Swiggy HDFC Bank Credit CardHDFC Bank 10% on Swiggy
Annual fee₹500
#2
Axis Bank
Airtel Axis Bank Credit Card
•••• 5367Mastercard
Airtel Axis Bank Credit CardAxis Bank 25% on Airtel
Annual fee₹500
#3
Axis Bank
Flipkart Axis Bank Credit Card
•••• 6161Mastercard
Flipkart Axis Bank Credit CardAxis Bank 7.5% on Myntra
Annual fee₹500
#1
SBI Card
BPCL SBI Card OCTANE
•••• 6955Visa
BPCL SBI Card OCTANESBI Card 7.25% on BPCL fuel
Annual fee₹1,499
#2
IDFC FIRST Bank
IDFC FIRST Power+
•••• 9337RuPay
IDFC FIRST Power+IDFC FIRST Bank 6.5% on HPCL fuel
Annual fee₹499
#1
Scapia
Scapia Credit Card
•••• 3382Visa / RuPay
Scapia Credit CardFederal Bank / Axis Bank / BOBCARD 0% forex
Annual feeFree
#2
American Express
Amex Platinum Travel Credit Card
•••• 8940Amex
Amex Platinum Travel Credit CardAmerican Express Taj voucher at ₹7L
Annual fee₹5,000
#3
American Express
Amex Platinum Reserve℠ Credit Card
•••• 9337Amex
Amex Platinum Reserve℠ Credit CardAmerican Express Lounges + golf
Annual fee₹10,000
#1
American Express
Amex Membership Rewards® Credit Card
•••• 4573Amex
Amex Membership Rewards® Credit CardAmerican Express 1,000 bonus pts / month
Annual fee₹4,500
#2
American Express
Amex Gold Charge Card
•••• 7352Amex
Amex Gold Charge CardAmerican Express 1,000 bonus pts / month
Annual fee₹4,500
#3
American Express
The Amex Platinum Card®
•••• 8940Amex
The Amex Platinum Card®American Express Unlimited lounges
Annual fee₹66,000
Card finder
Tell us how you spend
Pick a profile or drag the sliders. We'll work out how much each card would earn you in a year, after fees.
Your monthly spend₹0
Only lifetime-free cards
Estimates use typical reward rates and ignore monthly caps. Actual rewards may vary.
All cards
Compare every card
Filter by category, then tick on up to 3 cards to compare them side by side.
ICICI Bank
Amazon Pay ICICI Credit Card
•••• 7352Visa
Amazon Pay ICICI Credit Card
ICICI Bank
5% on Amazon
- 5% back on Amazon for Prime members (3% otherwise)
- 2% back at Amazon Pay partner merchants
- 1% back on everything else
Joining feeFree
Annual feeFree
Scapia
Scapia Credit Card
•••• 3382Visa / RuPay
Scapia Credit Card
Federal Bank / Axis Bank / BOBCARD
0% forex
- 0% forex markup on international spends
- 20% Scapia Coins (~4%) on travel booked in the Scapia app
- 10% Scapia Coins (~2%) on other spends
Joining feeFree
Annual feeFree
super.money
super.money RuPay Credit Card
•••• 6955RuPay
super.money RuPay Credit Card
Axis Bank
3% on UPI
- Up to 3% cashback on UPI via the super.money app
- Unlimited 1% cashback on all other spends
- Link to any UPI app
Joining feeFree
Annual feeFree
Kiwi
Kiwi RuPay Credit Card
•••• 4970RuPay
Kiwi RuPay Credit Card
YES Bank / AU / PNB
1.5% on scan & pay
- 1.5% cashback on UPI scan & pay
- 0.5% on online UPI payments
- Up to 5% with Kiwi Neon (₹999/yr)
Joining feeFree
Annual feeFree
HDFC Bank
Tata Neu Infinity HDFC Bank
•••• 7749RuPay / Visa
Tata Neu Infinity HDFC Bank
HDFC Bank
5% on Tata brands
- 5% NeuCoins on BigBasket, Croma, Tata CLiQ, 1mg, Westside
- 1.5% NeuCoins on UPI via Tata Neu UPI ID (RuPay)
- 1.5% NeuCoins on all other spends
Joining fee₹1,499
Annual fee₹1,499
HDFC Bank
Swiggy HDFC Bank Credit Card
•••• 5367Mastercard
Swiggy HDFC Bank Credit Card
HDFC Bank
10% on Swiggy
- 10% cashback on Swiggy, Instamart, Dineout, Genie
- 5% cashback on other online spends
- 5% on Cleartrip travel bookings
Joining fee₹500
Annual fee₹500
Axis Bank
Flipkart Axis Bank Credit Card
•••• 6161Mastercard
Flipkart Axis Bank Credit Card
Axis Bank
7.5% on Myntra
- 7.5% cashback on Myntra
- 5% cashback on Flipkart & Cleartrip
- 4% on Swiggy, PVR, Uber, cult.fit
Joining fee₹500
Annual fee₹500
Axis Bank
Airtel Axis Bank Credit Card
•••• 5367Mastercard
Airtel Axis Bank Credit Card
Axis Bank
25% on Airtel
- 25% cashback on Airtel mobile, broadband, DTH
- 10% on utility bills via Airtel Thanks
- 10% on Zomato, Swiggy, BigBasket
Joining fee₹500
Annual fee₹500
IDFC FIRST Bank
IDFC FIRST Power+
•••• 9337RuPay
IDFC FIRST Power+
IDFC FIRST Bank
6.5% on HPCL fuel
- Up to 6.5% savings on HPCL fuel
- 5% back on groceries & utility bills
- Works on UPI (RuPay)
Joining fee₹499
Annual fee₹499
SBI Card
BPCL SBI Card OCTANE
•••• 6955Visa
BPCL SBI Card OCTANE
SBI Card
7.25% on BPCL fuel
- 7.25% value-back on BPCL fuel
- 6.25% on dining, movies, groceries & departmental stores
- Domestic lounge visits
Joining fee₹1,499
Annual fee₹1,499
American Express
Amex Membership Rewards® Credit Card
•••• 4573Amex
Amex Membership Rewards® Credit Card
American Express
1,000 bonus pts / month
- 1,000 bonus MR points on 4 transactions of ₹1,500+ a month
- Extra bonus points on ₹20,000 monthly spend
- Redeem via 18K/24K Gold Collection for high value
Joining fee₹1,000
Annual fee₹4,500
American Express
Amex SmartEarn™ Credit Card
•••• 6558Amex
Amex SmartEarn™ Credit Card
American Express
10X on Flipkart & Uber
- 10X points on Flipkart, Uber & partner brands
- 5X points on Amazon, Swiggy & Zomato
- 1 point per ₹50 on other spends
Joining fee₹495
Annual fee₹495
American Express
Amex Gold Charge Card
•••• 7352Amex
Amex Gold Charge Card
American Express
1,000 bonus pts / month
- 1,000 bonus MR points on 6 transactions of ₹1,000+ a month
- No preset spending limit
- Redeem via 18K/24K Gold Collection
Joining fee₹1,000
Annual fee₹4,500
American Express
Amex Platinum Travel Credit Card
•••• 8940Amex
Amex Platinum Travel Credit Card
American Express
Taj voucher at ₹7L
- 10,000 bonus MR points on ₹4 lakh yearly spend
- ₹20,000 Taj Experiences voucher on ₹7 lakh yearly spend
- Up to 8 domestic lounge visits a year
Joining fee₹3,500
Annual fee₹5,000
American Express
Amex Platinum Reserve℠ Credit Card
•••• 9337Amex
Amex Platinum Reserve℠ Credit Card
American Express
Lounges + golf
- Domestic & international airport lounge access
- Complimentary golf games
- Taj, Marriott & fine-dining benefits
Joining fee₹10,000
Annual fee₹10,000
American Express
The Amex Platinum Card®
•••• 8940Amex
The Amex Platinum Card®
American Express
Unlimited lounges
- Unlimited international & domestic lounge access
- Marriott Bonvoy Gold & Taj Epicure memberships
- Hotel and luxury partner benefits
Joining fee₹66,000
Annual fee₹66,000
No cards match. Try a different filter.
How it works
Your new card in 3 steps
01
Find your match
Use the card finder or browse by category, such as UPI, fuel, shopping or travel.
02
Compare honestly
See fees, rewards, lounges and the fine print. We show the catches, not just the highlights.
03
Apply securely
Tap Apply and finish on the bank's official page. Approval usually takes a few days.
Guides
Best credit cards by category
Ranked lists with the reasoning behind every pick.
Best Credit Cards in India
Top pickCashback SBI Card
8 cards ranked
Best Lifetime Free Credit Cards in India
Top pickAmazon Pay ICICI Credit Card
4 cards ranked
Best Credit Cards for UPI Payments (RuPay)
Top picksuper.money RuPay Credit Card
5 cards ranked
Best Cashback Credit Cards in India
Top pickCashback SBI Card
6 cards ranked
Best Fuel Credit Cards in India
Top pickBPCL SBI Card OCTANE
2 cards ranked
Best Travel Credit Cards in India
Top pickScapia Credit Card
5 cards ranked
Best Credit Cards for Online Shopping
Top pickCashback SBI Card
5 cards ranked
Best Credit Cards for Food Delivery & Groceries
Top pickSwiggy HDFC Bank Credit Card
5 cards ranked
Best First Credit Cards for Beginners
Top pickAmazon Pay ICICI Credit Card
6 cards ranked
Best Premium & American Express Credit Cards in India
Top pickAmex Membership Rewards® Credit Card
6 cards ranked
Popular comparisons:Cashback SBI Card vs Amazon Pay ICICICashback SBI Card vs Flipkart AxisAmazon Pay ICICI vs Flipkart Axissuper.money RuPay vs Kiwi RuPaysuper.money RuPay vs Tata Neu Infinity HDFCSwiggy HDFC vs Airtel AxisSwiggy HDFC vs Flipkart AxisBPCL SBI Card OCTANE vs IDFC FIRST Power+Scapia vs Amex Platinum TravelAmex Membership Rewards vs Amex GoldAmex Membership Rewards vs Cashback SBI CardAmex Platinum Reserve vs Amex Platinum Card
How to choose the best credit card in India
The best credit card for you depends on where you spend, not on which card has the flashiest ads. Start by checking your last three months of spends: how much goes on online shopping, food delivery and groceries, fuel, UPI payments and travel. Then pick the card that pays the most in your biggest category.
1. Fees vs rewards
A card's annual fee should be clearly lower than the rewards you'll earn. If you don't spend much, a lifetime free credit card is the safest choice. Many paid cards also waive the fee once you cross an annual spend target.
2. Cashback or reward points
Cashback credit cards credit money straight to your statement, which is simple and predictable. Reward-point cards like American Express can be worth more, but only if you redeem points smartly.
3. UPI on credit
RuPay credit cards can be linked to UPI, so you can earn rewards on everyday QR payments at shops. If most of your payments are UPI, a RuPay card is the biggest upgrade you can make.
4. Read the fine print
Monthly caps, excluded categories (fuel, rent, wallets, utilities) and minimum transaction sizes can cut a card's real value. We list these catches on every card page, so you know what you're getting before you apply.
Not sure where to start? Use the card finder. Enter your monthly spends and it calculates which card earns you the most each year, after fees.
FAQ
Common questions
Which is the best credit card in India?
There's no single best card, because it depends on your spending. For online shopping, Cashback SBI Card (5% online) is a top pick. Amazon Pay ICICI is the best lifetime-free card, Scapia is best for travel with zero forex, and super.money RuPay is best for UPI cashback.
Which credit card is best for UPI payments?
RuPay credit cards work on UPI. The super.money RuPay Credit Card (up to 3% on UPI), Tata Neu Infinity HDFC and Kiwi are among the best for UPI rewards.
Which is the best lifetime free credit card?
Amazon Pay ICICI, Scapia, super.money RuPay and Kiwi are lifetime free, with no joining or annual fee. Amazon Pay ICICI suits online shoppers best, and Scapia suits travellers.
Can I use a credit card for UPI payments?
Yes. RuPay credit cards can be linked to UPI apps like GPay, PhonePe and Paytm, so you can scan any merchant QR code and pay with your card. Look for cards tagged UPI ready.
What is a lifetime-free (LTF) card?
A card with no joining fee and no annual fee, ever. These are great as a first card or a backup card.
Will applying affect my credit score?
Each application triggers a hard enquiry, which can lower your score slightly for a short time. Apply only for cards you actually need.
Is it safe to apply through this website?
Yes. We never ask for your name, phone number or financial details. The Apply button takes you to the bank's or card issuer's official application page, where you complete the process directly. See our privacy policy for the basic visit data we log.
How does this site make money?
Some links are referral links. If you're approved through one, we may receive a referral reward from the issuer. It costs you nothing, and sometimes you get an extra joining bonus.
Who is eligible for a credit card?
Most banks require you to be 21 or older with a regular income. Salaried applicants typically need ₹15,000–₹25,000 or more a month depending on the card. A credit score of 750+ improves your chances.
How many credit cards should I have?
Many people use 2–3 cards: a lifetime-free card for UPI, a cashback card for online shopping, and a category card (fuel, food or travel) that matches their biggest spend.