A growing shortlist of cards, with the fees, limits and details that help you compare.
First Year Free – Limited-Time Offer
Annual fee Rs 2499 + GST
Up to 15 Reward points per Rs 100 spent on dining, travel, online shopping, and international spends (capped at 5,000 per statement cycle and 1 point = Rs 0.25) Unlimited Complimentary Domestic Airport lounge access (on meeting spend criteria)
Lifetime FREE - No Joining or Annual fee
Annual fee Lifetime free
Enjoy 0% forex markup fees on all international transactions Earn 3X Reward Points on eligible online and offline spends up to Rs 20,000 per statement cycle. Earn 10X Reward Points on Dining, Travel and International spends, as well as on Birthday spends. Utility, Insurance, IDFC FASTag and Railway transactions earn 1X Reward Points, while Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: Rs 0.25 per point
Enjoy a lifetime-free credit card with no renewal fees. No documents or income verification required. Just a simple application and guaranteed approval
Annual fee Lifetime free
Earn 5% Cashback on Amazon & Flipkart and up to 15% on Nykaa, Domino’s & 80+ top brand vouchers - real Cashback you can transfer directly to your bank account Earn Flat 2% Cashback on UPI payments via ZET with a Rs 99/monthly subscription required to activate this benefit using your RuPay Credit Card (Rs 500 p.m capping)
Lifetime free (No Joining/Annual fees)
Annual fee Lifetime free
Enjoy the flexibility to choose from multiple networks including Visa, MasterCard, and RuPay Get 10% off on Blinkit (up to Rs 250 per month), 10% off on BookMyShow movie tickets (up to Rs 100 per month), and Rs 150 off on Myntra on spends above Rs 999
Enjoy a Lifetime Free Credit Card
Annual fee Lifetime free
Earn 10 POPcoins for every Rs 100 spent on online transactions and 2 POPcoins for every Rs 100 spent on offline transactions Earn extra 5% POPcoins on POP UPI with POP RuPay Credit Card*
Enjoy a lifetime-free credit card with no renewal fees
Annual fee Lifetime free
Earn up to 20% Cashback on 2 selected categories every month (categories can be changed monthly) Unique 2-in-1 setup that combines the benefit of a Savings Account, a credit card, and UPI payment
No Joining or Annual Fees
Annual fee Annual Fees: Nil
Enjoy International Transactions without any additional foreign currency markup fees Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs 20,000 on the card every month
Enjoy a Lifetime-free credit card with no renewal fees
Annual fee Annual Fees: Nil
Earn rewards as real 24K Digital Gold on eligible online & offline spends. Rewards are credited as Uni Coins, which can be converted into Digital Gold or redeemed for physical gold coins via the Uni platform Get accelerated rewards of up to 8% on brand vouchers purchased via Uni Store across popular brands like Amazon, Myntra, Zomato, Blinkit, MakeMyTrip, Swiggy, Cleartrip & more
Enjoy a Lifetime Free Credit Card with No Joining or Renewal fees
Annual fee Lifetime free
5% Cashback on choice of any 2 Brand Packs of Your Choice, capped at 500 cash points/month per category. 1- Dining & Entertainment BookMyShow & Zomato, 2-Travel– MakeMyTrip & Uber, 3-Grocery– Blinkit & Reliance Smart Bazaar, 4- Electronics– Croma & Reliance Digital, 5- Fashion– Nykaa & Myntra 3% Cashback on choice of any one e-commerce platform, capped at 500 cash points/month - Amazon, Flipkart or PayZapp
Enjoy a Lifetime Free Credit Card with No Joining or Renewal fees
Annual fee Lifetime free
Earn 1% cashback on all eligible transactions. Cashback is excluded on fuel, rent, EMI, e-wallet loading, and government-related spends 5% Cashback on Smartbuy capped at 500 points monthly. Offer is valid on Successful Transactions completed on SmartBuy under categories like IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor only. This Offer is not valid on offers given by individual merchants under offers section
Enjoy a lifetime-free credit card with no renewal fees
Annual fee Lifetime free
Earn up to 8 Reward Points per Rs 150 on select categories like travel, electronics, and departmental stores. Base earning is 4 points per Rs 150 (up to Rs 2 lakh annual spend), increasing to 8 points beyond that Spend Rs 1.25 lakh every 6 months and get 4 PVR tickets or 10,000 bonus points (up to 8 tickets/year)
Enjoy a Lifetime Free Credit Card with No Joining or Renewal fees
Annual fee Annual Fees: Nil
Earn 2 Reward Points for every Rs 150 spent on the card Instantly convert Reward Points to Air Miles or Hotel Loyalty Points via HSBC India Mobile Banking App and earn up to 6X on hotels, flights, and car rentals with the Travel With Points program
Get benefits worth up to Rs 23,000 with the Lifetime Free DCB novio RuPay Credit Card
Annual fee Lifetime free
Start with a Fixed Deposit of Rs 2,000 and get a RuPay Credit Card—virtual for FDs between Rs 2,000 and Rs 9,999, or physical for Rs 10,000 and above—with a credit limit of up to 90% of your FD, which can be increased anytime by topping up your deposit Earn up to 15% Novio Coins on eligible UPI spends through Novio UPI
First Year Free - till 31st Oct'2026
Annual fee Rs 500 + GST, from second year onwards
5% Cashback with every transaction on Flipkart (excluding Flipkart Health) and Cleartrip transactions (With a Rs 4,000 Cashback cap per merchant per quarter 7.5% Cashback with every transaction on Myntra (With a Rs 4,000 Cashback cap per quarter)
No Joining or Annual Fees
Annual fee Lifetime free
Unlock up to 6X reward multipliers based on your annual spending, earning rewards worth up to Rs 8,000 each year. Plus, convert your Reward Points to Maharaja Points at a 1:1 ratio (100 Reward Points = 100 Maharaja Points) Enjoy 10 Complimentary airport lounge visits annually, including 8 Domestic Lounge visits (2 per quarter) and 2 International Lounge visits via Priority Pass membership
Lifetime Free Card - till 30th Oct'2026
Annual fee Lifetime free
Get 8 free visits per year (2 per quarter) to domestic airport lounges. Just spend Rs 50,000 in the previous 3 months Enjoy 1 complimentary movie ticket per month (up to Rs 250) via District App using the promo code AXISPRIVILEGE
Earn Reward Points or Cashback on everyday spends such as groceries, fuel, dining, and bill payments (varies by specific card variant)
Annual fee Rs 99 + GST. The Annual Fee is waived, if you spend Rs 25,000 or more in the previous year
Enjoy fast, secure tap-to-pay transactions with RuPay’s contactless technology, along with wide acceptance across retail stores, online merchants, and ATMs throughout India Access offers at partner restaurants, movie tickets, retail brands, and lifestyle merchants
Buy 1 Get 1 Free On Movie Tickets - Get 100% discount on 2nd movie ticket booked via District app (Max. discount upto Rs 200/month/user)
Annual fee Rs 500 + GST, waived off on spending Rs 1.5 Lakh in the preceding year
Save Rs 2,880 annually on Swiggy! Enjoy flat Rs 120 off on food orders twice a month on a minimum spend of Rs 500 per order. Offer not applicable on Haldiram's Restaurants 1 Complimentary Lounge access* per calendar quarter on select airports on spends of Rs 50,000 in previous 3 months
Get 12,500 Edge Reward Points worth Rs 2,500 on spending Rs 2.5L within your card anniversary year
Annual fee Rs 1500 + GST
Get two complimentary domestic lounge accesses per quarter (eight annually) with a Rs 50,000 spend in the past three months Enjoy exclusive Wednesday Offers with 15% off on flights & hotels (Goibibo, MMT) and 10% off on Swiggy, Amazon Fresh, & Tira (up to Rs 1,000)
Enjoy 0% forex markup fees on all international transactions
Annual fee Rs 499 + GST, from second year onwards
Save up to 6.5% on fuel purchases at authorised HPCL fuel stations. Earn 30 Reward Points for every Rs 150 spent (up to 5% value back) and 6 Happy Coins for every Rs 100 spent when payment is made through the HP Pay App (additional 1.5% value back) Earn 30 Reward Points for every Rs 150 spent on grocery purchases, utility bill payments and IDFC FIRST FASTag recharges, offering up to 5% value back
Earn up to Rs 4,000 cashback monthly on online spends with 2% on the first Rs 5,000, 5% on the next Rs 35,000, and 7% on spends above Rs 40,000
Annual fee Rs 1000 + GST, waived on Rs 4L+ spends annually
You earn 5,000 EDGE Reward points (worth Rs 1,000) upon the first transaction within 30 days of card issuance Earn 0.75% unlimited cashback on offline and travel spends, along with 0.5% cashback on online utility bill payments (capped at Rs 100 per month)*
Enjoy 0% forex markup on all international transactions, helping you save the foreign currency conversion fee usually charged on overseas spends
Annual fee Rs 5999 + GST, from second year onwards
Get 32 complimentary lounge visits annually, including 4 domestic airport lounge visits per quarter (with 1 complimentary guest visit), 4 international airport lounge visits per quarter, and 4 railway lounge visits per quarter. Lounge access is subject to the card being active and the bank's applicable terms Enjoy Buy 1 Get 1 movie tickets on BookMyShow twice every month, with up to Rs 500 off on the second ticket. Applicable on spending Rs 20,000 or more in the previous calendar month
Partner brands: 10X Reward Points = 2.5% back (Rs 2.50/Rs 100) at Amazon, BookMyShow, Cleartrip, Apollo24x7, Yatra, Netmeds, EazyDiner, Swiggy
Annual fee Rs 499 + GST, from second year onwards
Other online spends: 5X RP = 1.25% back Offline spends: 1 RP/Rs 100 = 0.25% back
Premium Lifestyle: Free lounges, free movies, concierge, low forex - all in one card
Annual fee Rs 4999 + GST, from second year onwards
8 complimentary domestic lounge visits/year (2/quarter) 6 complimentary international lounge visits/year + Priority Pass membership (first 2 years)
Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions (Capped at Rs 4000/month combined for both Online & Offline Spends)
Annual fee Rs 999 + GST, from second year onwards
Offline spends: Get 1% cashback on everyday purchases (eligible offline categories) Online + offline cashback combined is capped at Rs 4,000 per statement cycle - save Rs 48,000/year
Earn 10X EDGE Reward Points for every Rs 125 spent at apparel and departmental stores (up to Rs 7,000 spend per month), and enjoy unlimited 2 EDGE Reward Points per Rs 125 spent across all other categories
Annual fee Rs 1000 + GST
2 Complimentary domestic airport lounge access per quarter (minimum eligible spend of INR 50,000 in previous 3 months) Get Rs 150 off on food delivery via Swiggy twice per month on orders above Rs 500
Upto 8x Marriott Bonvoy Points per Rs 150 spent
Annual fee Rs 3000 + GST
Enjoy 12 complimentary lounge accesses in India and 12 abroad every year Complimentary Marriott Bonvoy Silver Elite Status
First Year Free - till 31st Oct'2026
Annual fee Rs 500 + GST
5% Cashback with every transaction on Flipkart (including Shopsy & Flipkart Travel) and 12% on Cleartrip transactions (With a Rs 4,000 Cashback cap per merchant per quarter) 7.5% Cashback with every transaction on Myntra (With a Rs 4,000 Cashback cap per quarter)
Entry-Level Card: Simple rewards structure, low fee, ideal for beginners
Annual fee Rs 499 + GST, from second year onwards
10 RP per Rs 150 (up to 5,000 RPs/month) on Dining, Movies, Groceries, Departmental Stores (~1.67% back) 1 RP per Rs 150 on all other spends (~0.25% back as 4 RPs = Rs 1)
Get 5% cashback on Swiggy App purchases, including Instamart, Food Delivery, and Dineout, as well as on shopping across Amazon, Flipkart, Reliance Digital, Ajio, and more. Cashback is capped at Rs 1,500 per month and applies only on transactions of Rs 249 or more (Excludes Swiggy Money Wallet, Swiggy Liquor, and certain other categories)
Annual fee Rs 500 + GST
Get Complimentary Swiggy One Membership for 12 months as Welcome Benefit on card activation Enjoy 1% Cashback on Other Categories, Capped at Rs 1000/month
Enjoy 0% forex markup fees on all international transactions
Annual fee Rs 750 + GST
Domestic airport lounge access (4 complimentary visits per year) plus higher reward value on flight and hotel bookings via the IDFC FIRST app Earn bonus points on flights/hotels booked via IDFC FIRST Mall. Redeem at Rs 0.50 per point for travel on the bank app
Get 5% cashback on non-EMI spends at Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra, Sony LIV, Tata CLiQ, BookMyShow & Cult.fit. Capped at up to Rs 1,000 per billing cycle
Annual fee Rs 1000 + GST
Get 1% cashback on all Other Spends excluding Fuel, EMI, Wallet, Rent payments, Govt related txns, capped at up to Rs 1,000 per billing cycle Get 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS
Enjoy Zero Joining Fee for limited time period
Annual fee Rs 750 + GST. The Annual Fee is waived if you spend Rs 2,00,000 or more in the previous year
Earn 5% Cashback on online grocery, food delivery, and entertainment platforms Get 3% Cashback on fuel spends across all petrol pumps, unlike many cards that exclude fuel rewards
Zero Joining Fee, spend based fee waiver from next year onwards
Annual fee Annual Fees: Nil
Earn 20 reward points for every Rs 100 spent on Grocery shopping (1 RP – Rs 0.25) Amazing Discount on merchant websites like Tata Cliq, Zomato, Swiggy, Zepto and more
Zero Joining Fee
Annual fee Neu Infinity Card - Rs.1499 + GST, Renewal Fee of Rs. 1,499 waived off on spends of Rs 3 lakh or more in the preceding year
You get up to 10% savings as Tata NeuCoins for all Tata brands like BigBasket, Air Asia, Tata 1mg, Croma, TataCliQ, Westside, Titan, Tanishq, etc. Applicable for transactions done on TataNeu app/website and registering for Tata NeuPass Up to 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends. (1% on Neu Card Plus)
Lifetime FREE - No Joining or Annual fee
Annual fee Lifetime free
Enjoy 0% forex markup fees on all international transactions Get an assured credit card by opening an FD of Rs 20,000 or more. No income proof, salary slips or previous credit history are required. Your credit limit equals 100% of the FD amount, and you continue earning interest on the FD throughout the tenure
Earn 3% Reward points on every Shoppers Stop spends (Monthly capping of Rs 500)
Annual fee Rs 299 + GST
Earn 1% Reward points on every Non-Shoppers Stop spends (Monthly capping of Rs 1000) Welcome Benefit of Shoppers Stop voucher worth Rs 500 on card activation
13 RP/Rs 100 on BPCL fuel spends (~3.25% back) + 1% fuel surcharge waiver → total ~4.25% savings
Annual fee Annual Fees: Rs 499 + GST, from second year onwards
5 RP/Rs 100 on Dining, Groceries, Movies, Departmental Stores (~1.25% back) 1 RP/Rs 100 on other retail spends (~0.25% back)
2 Travel Credits per Rs 200 on travel spends (=1% value when converted to airline/hotel miles) – saves ~ Rs 6,000/yr on Rs 6L travel spend
Annual fee Rs 1499 + GST, the Welcome Benefit covers this cost
1 Travel Credit per Rs 200 on other spends (=0.5% value) – saves ~ Rs 3,000/yr on Rs 6L non-travel spend Best Use Case: Convert credits to airline/hotel points at Rs 1 per credit to unlock full value
No Joining and Annual fees for a limited-time period
Annual fee Lifetime free
Earn 2 Reward Points per Rs 100 spent on online retail purchases and 1 Reward Point per Rs 100 spent on utility, telecom, and insurance categories. Utility and telecom spends are capped at 100 Reward Points per transaction. 1 Reward Point = Rs 0.25 Get 1.5% Cashback on offline POS retail spends, capped at Rs 100 per month. On POS spends above Rs 6,667, earn 1 Reward Point per Rs 100 instead of Cashback
Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points)
Annual fee Rs 500 + GST, partially offset by 350 welcome Reward Points (~ Rs 350 value)
1 Reward Point per Rs 125 on other retail spends (~0.8% return rate) 4 complimentary railway lounge visits per year (1/quarter)
Enjoy 25% Cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via the Airtel Thanks app (capped at 2 x Rs 250 earned under the base category)
Annual fee Rs 500 + GST, from second year onwards
Get 10% Cashback on Zomato, Blinkit, and District Movies transactions (applicable via E-com spends; capped at Rs 200 per partner per month) Earn 10% Cashback on utility bill payments like gas and electricity when paid through the Airtel Thanks app (capped at 1 x Rs 250 earned under the base category)
Lifetime free (No Joining/Annual fees)
Annual fee Lifetime free
Earn 2 Reward Points* for every Rs 100 spent on LIC Premium payment and foreign currency transactions (1 RP = Re 1) Enjoy up to 8 complimentary domestic airport lounge visits each year at select lounges across India, with a maximum of 2 visits per quarter, on eligible spends of Rs 50,000 in the previous 3 calendar months
LIFETIME FREE Card - No Joining & Annual Fees
Annual fee Lifetime free
Rs 100 spent = 1 Reward Point on weekdays spends Rs 100 spent = 2 Reward Points on weekends spends
Enjoy 0% forex markup fees on all international transactions
Annual fee Rs 199 + GST, from second year onwards
Save up to 5% on fuel purchases at HPCL fuel stations through accelerated Reward Points and HP Pay benefits. Earn 21 Reward Points for every Rs 150 spent on HPCL fuel along with additional HP Pay benefits where applicable Earn 15 Reward Points for every Rs 150 spent on grocery purchases, utility bill payments and IDFC FIRST FASTag recharges, translating to savings of up to 2.5% on eligible spends
Hospitality Benefits : Complimentary access to Airport Lounges at Domestic and International airports
Annual fee Starting Rs 500 + GST
Smart EMI : Convert credit card spends of Rs 2,500 or more into Smart EMIs post your purchases with competitive interest rates and flexible repayment tenures Insurance Benefits : Complimentary air accidental cover and emergency overseas hospitalization cover worth several lakhs
Unlimited lounge visits globally with Priority Pass, including 4 guest visits annually and unlimited domestic lounge access
Annual fee Rs 12,500 + GST
Get Rs 12,500 Welcome Voucher from Luxe Gift Cards, The Postcard Hotels, or Yatra upon card activation (Select Any one) Get Up to 15% off on International & Domestic stays at Oberoi & Trident Hotels
AU LIT Credit Card - Customizable credit card based on your lifestyle and usage!
Annual fee Check current terms
