India’s Top Credit Cards
Embark on a seamless financial journey with India’s top credit cards. Enjoy rewards, exclusive discounts, and robust security
Most Popular Credit Cards in India
RuPay Credit CardFree JoiningLifetime FreeWelcome GiftRecommendedDiningShoppingFuelTravelingAirport LoungeMovie TicketsHigh Rewards
0 Joining Fee
0 Annual Fee
π π³οΈ
- 10X Reward Points on incremental spends above βΉ20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to βΉ20,000 per month
- Unlimited Reward points that never expire
βΉ0 Joining Fee
βΉ0 Annual Fee
π³πΈπ
21+ Age
25000+ Monthly Salary
700+ Cibil Score
- 10X or 5X Reward Points on all online domestic & international retail transactions
- 1% fuel surcharge waiver on all transactions between INR 400 to INR 5,000
- Your LIT Credit Card brings food delivery, fitness & entertainment right to your door
0 Joining fee
0 Annual fee
π³π°πΈ
18+ Age
30000+ Monthly Salary
- βοΈ Convert your points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways, and Singapore Airlines
- β½ Make annual savings of up to βΉ3,000 on fuel surcharges with credit card waiver
- π‘οΈ Enjoy insurance coverage for any misuse of your card from 24 hours before reporting it lost, up to βΉ300,000
βΉ999 Joining fee
βΉ999 Annual fee
π³π°πΈ
- π½οΈ Get 10% accelerated cashback on all dining, food delivery, and grocery spends (capped at up to βΉ1,000 per billing cycle)
- π΅ Enjoy 1.5% unlimited cashback on all other spends
- ποΈ Receive 4 complimentary domestic lounge visits per year (1 per quarter)
βΉ2,999 + GST Joining Fee
βΉ2,999 + GST Annual Fee
- 1% Forex Markup on foreign currency transactions
- 4 domestic lounge/spa visits per quarter and 2 international lounge visits per quarter
- Free Trip Cancellation Cover worth βΉ25,000 on hotel & flight bookings in a year
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
βΉ500 Joining Fee
βΉ500 Annual Fee
π³πΈπ
18+ Age
30000+ Monthly Salary
- πΈ Get Up to 4% Value Back on fuel transactions
- π Earn 20 Reward Points for every Rs. 100 spent on fuel
- π Annual Fee Waiver on spending Rs. 50,000 in a year
βΉ500 Joining Fee
βΉ500 Annual Fee
π³πΈπ
30000+ Monthly Salary
18+ Age
- ποΈ 5% Unlimited Cashback on spends on Flipkart and Myntra platforms
- π 4% Unlimited Cashback on Swiggy, Uber, PVR
- β½ 1% Fuel Surcharge Waiver up to Rs. 500 per month
βΉ1000 Joing Fees
βΉ1000 Annual Fee
π³πΈπ
30000+ Monthly Salary
18+ Age
- π 30% Off on Swiggy Orders
- ποΈ 2 Complimentary Domestic Airport Lounge Access per quarter
- π Enjoy Membership Bouquets worth up to Rs. 1000 every card anniversary year
βΉ12500 Joining Fee
βΉ12500 Annual Fee
π³πΈπ
200000+ Monthly Salary
18+ Age
- π·οΈ Annual Fee of Rs 12,500 + Taxes waived off
- π Lowered Interest Rate of 3%
- π Reduced Mark-Up Fee of 2% on foreign transactions
βΉ1500 Joining Fee
βΉ1500 Annual Fee
π³πΈπ
18+ Age
50000+ Monthly Salary
- ποΈ Access Airport Lounges for a luxurious travel experience
- π‘οΈ Purchase Protection Plan up to Rs 1 lakh
- β½ Fuel Surcharge Waiver
βΉ3000 Joining Fee
βΉ3000 Annual Fee
π³πΈπ
50000+ Monthly Salary
18+ Age
- π½οΈ Exclusive Discount Offers on Swiggy
- βοΈ Access to Airport Lounges
- π Rewards on Every Transaction
βΉ500 Joining Fee
βΉ500 Annual Fee
π³πΈπ
30000+ Monthly Salary
18+ Age
- ποΈ 4 Complimentary Domestic Lounge Visits per year
- π± 10% Cashback on Samsung Products and Services*
- π Welcome Offer of 2,500 EDGE Reward Points
βΉ0 Joining Fee
βΉ0 Annual Fee
π³ππΈ
40000+ Monthly Salary
21+ Age
- Rewards everywhere, always Tap, swipe, and scan on this Rupay credit card & earn POPcoins (1 POPcoin=upto βΉ1)
- Avail UPI through Rupay Credit Card
- βΉ 5000 worth of joining benefits
βΉ5000 Joining Fee
βΉ5000 Annual Fee
π³πΈπ
18+ Age
75000+ Monthly Salary
- ποΈ Up to 12 International Lounge Visits per year
- βοΈ 2 EDGE Miles per Rs. 100 spent
- π 5 EDGE Miles per Rs. 100 on travel spends
βΉ 0 Joining fee
βΉ 0 Annual fee
πΈπ½οΈπ
- Maximise your Rewards with flexible reward plans to choose from
- Comprehensive insurance benefits, 24X7 Concierge service
- Get waiver* on fuel surcharge on fuel transactions
βΉ199 Joining Fee
βΉ199 Annual Fee
π³πΈπ
- 1% cashback for spends on all other retail spends* (max. Rs. 50/month)
- 1% Fuel Surcharge waiver for trxn b/w 400-5000 (max. Rs. 100/month)
- Complimentary 2 per quarter Domestic Railway Lounge access
βΉ4999 Joining Fee
βΉ4999 Annual Fee
π³πΈπ
- β³ 8 Complimentary Golf Lessons/Games per Annum (Max 2 per Quarter)
- π¬ 16 Complimentary Buy-One-Get-One Movie Tickets per Annum
- π 5,000 RPs on Card Renewal Membership Fee Payment
βΉ2999 Joining Fee
βΉ2999 Annual Fee
π³πΈπ
- π 4 RPs/Rs. 100 on Grocery and Departmental Store Spends
- π¬ 2 RPs/Rs. 100 on All Other Merchant Categories
- π‘ 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction, 1 RP = βΉ0.25)
βΉ499 Joining Fee
βΉ499 Annual Fee
π³πΈπ
- ποΈ 2 RPs/Rs. 100 on All Retail Online Spends (1 RP = βΉ0.25)
- π‘ 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction)
- πΈ 1.5% Cashback on All POS Retail Spends at Merchant Outlets (Max βΉ100/month); For POS spends >βΉ6,667, earn 1 RP/Rs. 100
βΉ499 Joining Fee
βΉ499 Annual Fee
πΈπ°π
21+ Age
30000+ Monthly Salary
- 2000 Reward Points worth ΰ€°ΰ₯500 on spending ΰ€°ΰ₯5,000
- 1000 Reward Points on your First EMI conversion
- Travel discount coupon of βΉ2100 as a welcome gift
βΉ500 Joining Fee
βΉ500 Annual Fee
πΈπ½οΈπ
21+ Age
10000+ Monthly Salary
- β½ Earn up to 50 litres of free fuel annually
- π Earn 5% of your spending as fuel points at IndianOil outlets
- πΈ Earn 5% of your spending as fuel points on groceries and bill payments
βΉ500 Joining Fee
βΉ500 Annual Fee
πΈπ½οΈπ
21+ Age
12000+ Monthly Salary
- π 10X CashPoints on: Big Basket, BookMyShow, OYO, Swiggy & Uber
- π 5X CashPoints on EMI spends at merchant locations
- π³ 1 CashPoint for every Rs. 150 spent on other purchases
βΉ10,000 Joining fee
βΉ10,000 Annual fee
πΈπ½οΈπ
21+ Age
175000+ Monthly Salary
- π Annual Memberships: Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK
- π Complimentary Vouchers: Ola Cabs, cult.fit Live, BookMyShow, and TataCliQ spend over Rs. 80k/month
- π 5 Reward Points for every Rs. 150 spent
0 Joining Fee
0 Annual Fee
π³πΈπ
200000+ Monthly Salary
18+ Age
- Redeem rewards point on every transaction
- Enjoy 8 complimentary domestic lounge visit per calendar year
- 1% fuel surcharge waiver on fuel purchases at fuel stations across India.
0 Joining Fee
0 Annual Fee
πΈπ°π
30000+ Monthly Salary
21+ Age
710+ Cibil Score
- Best in class Forex mark-up of only 1.5%
- Comprehensive Travel Insurance and Air Accident cover
- Access to International and Domestic Airport lounges and spas
βΉ500 Joining fee
βΉ500 Annual fee
πΈπ½οΈπ
18+ Age
15000+ Monthly Salary
- 10% cashback on Swiggy on Food Orders, Instamart, Dineout & Genie.
- 5% Cashback on Amazon, Flipkart, Myntra, Ajio, Ola, Uber, Nykaa, BookMyShow and several other platforms.
- 1% Cashback on all other spends
βΉ3000 Joining fee
βΉ3000 Annual fee
πΈπ½οΈπ
21+ Age
25000+ Monthly Salary
- 1 Free Night Award at participating Marriott Bonvoy
- 8 points at hotels participating in Marriott Bonvoy
- 4 points on travel, dining, and entertainment,2 points on all other purchases
HDFC Rupay
You can avail of CashPoints on Groceries, SuperMarket & Dining spends and all PayZapp transactions βΉ500 Joining fee
βΉ500 Annual fee
πΈπ½οΈπ
21+ Age
25000+ Monthly Salary
- πΈ 2% Back as Neu Coins on Non-EMI Spends on Tata Neu and Partner Tata Brands
- π° 1% Back as Neu Coins on Non-Tata Brand Spends and Any Merchant EMI Spends
- π² 1% Back as Neu Coins on UPI Spends (Including Partner Tata Brands
βΉ0 Joining Fee
βΉ0 Annual Fee
πΈπ°π
21+ Age
30000+ Monthly Salary
- 10X Reward Points on incremental spends above βΉ20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to βΉ20,000 per month
- Unlimited Reward points that never expire
ICICI Bank Emeralde
Earn Skywards Miles on your everyday spends. Get Unlimited lounge access worldwide, Unlimited spa access. βΉ12,000 Joining Fee
0 Annual Fee*
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- π Travel internationally with just one card
- π¨ No cancellation charges on domestic travel and hotel bookings
- π Enjoy the flexibility of selecting your membership plan
ICICI Bank Sapphiro
Enjoy 5,000 bonus Skywards Miles and up to 2 Skywards Miles for every INR 100 spent. βΉ6500 Joining Fee
βΉ3500 Annual Fee*
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- π Receive welcome vouchers for shopping and travel worth βΉ10,000 on payment of the joining fee.
- π Earn up to 20,000 PAYBACK Points from ICICI Bank Rewards every anniversary year
- ποΈ Enjoy 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express
ICICI Bank Rubyx Rupay
India's first dual platinum credit card that comes in Visa and Mastercard. Apply online & enjoy privileges across. βΉ3000 Joining Fee
βΉ2000 Annual Fee
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- ποΈ Enjoy 2 complimentary accesses per quarter to selected airport lounges in India
- π¬ 25% discount of up to βΉ150 on the purchase of 2 movie tickets on BookMyShow and Inox with the VISA variant
- πΏ Save on movie outings and relax at airport lounges with exclusive access and discounts
ICICI Bank Make My Trip Signature
This exclusive card unlocks a world of benefits such as savings worth Rs 20,000. βΉ2500 Joining Fee
0 Annual Fee
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- π Enjoy joining benefits: MMT Holiday Voucher worth βΉ2500, 1500 MyCash, and MMTBLACK exclusive membership
- β¨ Enjoy the MMTBLACK loyalty program for exclusive perks
- π³ Earn up to 40,000 reward points using the card for your travel needs
ICICI Bank Coral Rupay
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends. βΉ500 Joining Fee
βΉ500 Annual Fee
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- π³ Joining Fee: βΉ500, Annual fee waived
- π½οΈ Enjoy privileges on dining, travel, entertainment, and more
- π Rewards on spends and special welcome perks
βΉ500 Joining Fee
0 Annual Fee
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- π Get βΉ500 MyCash plus a MakeMyTrip holiday voucher worth βΉ3000 on joining
- β¨ Enjoy benefits worth up to βΉ20,000
- ποΈ Complimentary domestic airport and railway lounge access
ICICI Bank HPCL Coral Rupay
Enjoy 25% discount on movie tickets. Experience exclusive privileges with ICICI Bank. Apply now! βΉ199 Joining Fee
βΉ199 Annual Fee
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- β½ Enjoy a 2.5% cashback at HPCL fuel stations for significant fuel savings
- π³ Earn 2 reward points for every βΉ100 spent, redeemable for various benefits
- π¬π½οΈ Get a 25% discount on movie tickets and exclusive dining discounts
βΉ499 Joining Fee
βΉ499 Annual Fee*
πβοΈπ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
- π³ Joining Fee: NIL
- π³ Annual Fee (Second year onwards): NIL
- π° Overdue interest on extended credit and cash advances: 3.40% per month (40.80% annualized)
ICICI Bank HPCL Super Saver
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends. βΉ500 Joining Fee
βΉ500 Annual Fee
πβοΈπ½οΈ
- ποΈ Avail of a 25% discount capped at βΉ100 on the purchase of a minimum of two tickets per transaction.
- π¬ This benefit can be availed up to two times a month on BookMyShow and INOX movies, individually.
- π½οΈ Enjoy luxury with gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs, and beverage services.
ICICI Bank MU Platinum
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends. βΉ499 Joining Fee
βΉ499 Annual Fee
πβοΈπ½οΈ
- π Earn 2 Reward Points per βΉ100 on domestic/international spending
- β½οΈ Earn 3 Reward Points per βΉ100 on Manchester United match days
- βοΈ Enjoy 1 complimentary lounge access at domestic airports
ICICI Bank Chennai Super Kings
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends. βΉ500 Joining Fee
βΉ500 Annual Fee
πβοΈπ½οΈ
- π Get a joining gift of 2,000 ICICI Bank Reward Points* on payment of the joining fee and spending βΉ5,000 in the first 45 days
- π Earn 2,000 ICICI Bank Reward Points* on renewal, applicable only on payment of the annual fee
- π³ Enjoy a waiver of annual fees on spends of βΉ1,50,000 in the previous year
ICICI Bank Emirates Rubyx
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends. βΉ1000 Joining Fee
βΉ1000 Annual Fee
πβοΈπ½οΈ
- βοΈ Earn 1.5 Skyward Miles on every retail spend of βΉ100
- πΌ Earn 1 Skyward Mile on every spend of βΉ100 on utility and insurance categories
- β½ Get a 1% fuel surcharge waiver on all fuel transactions worth up to βΉ4,000 at authorized fuel stations in India
ICICI Bank Emirates Emeralde
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends. βΉ10,000 Joining Fee
βΉ10,000 Annual Fee
πβοΈπ½οΈ
- βοΈ Receive 10,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
- π³ Earn up to 2.5 Skywards Miles per βΉ100 spent
- ποΈ Enjoy unlimited complimentary international & domestic lounge access* (subject to predefined lounges and availability)
ICICI Bank Emirates Sapphiro
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends. βΉ5000 Joining Fee
βΉ5000 Annual Fee
πβοΈπ½οΈ
- βοΈ Receive 5,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
- π³ Earn up to 2 Skywards Miles per βΉ100 spent
- ποΈ Enjoy 2 complimentary domestic lounge accesses per quarter and 2 complimentary international lounge accesses per year*
0 Joining Fee
0 Annual Fee
π³πΈπ
18+ Age
50000+ Monthly Salary
- Earn 2 reward points for every 100 Rs spent
- 1% fuel surcharge waiver on fuel purchases at fuel stations across India
- Complimentary lost card liability insurance covers up to credit limit
βΉ4500 Joining Fee
βΉ4500 Annual Fee
πΈπ½οΈπ
21+ Age
200000+ Monthly Salary
- π Complimentary FC Black Membership worth Rs 4500
- ποΈ Earn 20 First Citizen Points for every Rs. 150 spenton Shoppers Stop
- π Earn 15 First Citizen Points for every Rs. 150 spent on all other Shoppers Stop brands
βΉ500 Joining Fee
βΉ500 Annual Fee
πΈπ½οΈπ
21+ Age
20000+ Monthly Salary
- πΈ Earn 2 CashPoints per βΉ150 spent on other purchases
- π Receive a βΉ500 gift voucher on spends of βΉ50,000 per calendar quarter
- ποΈ Earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
βΉ0 Joining Fee
βΉ0 Annual Fee
πΈπ½οΈπ
21+ Age
20000+ Monthly Salary
- ποΈ Earn 6 First Citizen Points for every Rs. 150 spent on Shoppers Stop brands
- π Earn 2 First Citizen Points for every Rs. 150 spent on non-Shoppers Stop brands
- π Complimentary Shoppers Stop membership
HDFC Business Moneyback
Business-centric benefits from cashback to accelerated reward points at partner stores βΉ500 Joining Fee
βΉ500 Annual Fee
πΈπ½οΈπ
21+ Age
25000+ Monthly Salary
- π³ Earn 2 Reward Points for every Rs. 150 spent
- π’ Enjoy 8 lounge visits within India annually
- π Corporate Liability Waiver Insurance for peace of mind
βΉ500 Joining Fee
βΉ500 Annual Fee
πΈπ½οΈπ
21+ Age
12000+ Monthly Salary
- π Enjoy 5% monthly cashback on fuel expenses
- πΈ Get a 1% surcharge waiver and save up to Rs. 250
- π Save with 5% monthly cashback on grocery spending
βΉ1,000 Joining Fee
βΉ1,000 Annual Fee
πΈπ½οΈπ
21+ Age
35000+ Monthly Salary
- ποΈ Enjoy 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
- π³ Get 1% cashback on all other spends (except fuel), including EMI & wallet transactions
- π Receive βΉ1000 worth of gift vouchers on spends of βΉ1,00,000 and above in each calendar quarter
2500 Joining Fee
2500 Annual Fee
πΈπ½οΈπ
21+ Age
100000+ Monthly Salary
- βοΈ Enjoy 12 complimentary airport lounge accesses within India and 6 outside India
- π Earn a bonus of 10,000 Reward Points on Rs. 5 lakhs spent
- π³ An additional 5,000 Reward Points on Rs. 8 lakhs spent in an anniversary year
βΉ500 Joining Fee
βΉ500 Annual Fee
πΈπ½οΈπ
21+ Age
50000+ Monthly Salary
- βοΈ Earn 2.5% 6E Rewards on the IndiGo app
- π½οΈ Get 2% 6E Rewards on Grocery, Dining & Entertainment
- π³ Enjoy 1% 6E Rewards on all other spends*
βΉ2500 Joining Fee
βΉ2500 Annual Fee
πΈπ½οΈπ
21+ Age
120000+ Monthly Salary
- βοΈ Earn 5% 6E Rewards on IndiGo flights!
- π½ Get 3% 6E Rewards on Grocery, Dining & Entertainment!
- π³ Enjoy 2% 6E Rewards on all other spends!*
βΉ1,000 Joining Fee
βΉ1,000 Annual Fee
πΈπ½οΈπ
21+ Age
70000+ Monthly Salary
720+ Cibil Score
- π¬ Buy 1 Get 1 Free on weekend tickets via BookMyShow!
- π½οΈ 5X Reward Points on Swiggy and Zomato!
- π Complimentary annual memberships of Swiggy One and Times Prime as a welcome benefit!
βΉ 199 Joining Fee
βΉ 199 Annual Fee
π³π°
- Up to 5% savings on your fuel expenses
- 2.5% savings as Rewards on Grocery & Utility expenses
- 2.5% savings as Rewards on IDFC FIRST FASTag recharge
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
βΉ5,999 + GST Joining Fee
βΉ5,999 + GST Annual Fee
- 0 Forex Mark-up on foreign currency transactions
- 4 domestic lounge/spa visits including 1 guest visit to lounges per quarter, 4 international lounge visits per quarter
- Free Trip Cancellation Cover worth βΉ50,000 on hotel & flight bookings in a year
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