India’s Top Credit Cards
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Most Popular Credit Cards in India
RuPay Credit CardFree JoiningLifetime FreeWelcome GiftRecommendedPopularDiningShoppingFuelTravelingAirport LoungeMovie TicketsHigh Rewards
0 Joining Fees
0 Annual Fees
- Earn 2% cashback on scan-and-pay UPI transactions.
- Earn 0.5% cashback on online purchases.
- With the optional Neon subscription (โน999/year), users can unlock higher cashback rates:
0 Joining Fee
0 Annual Fee
- Zero joining & annual fees
- 10% Scapia Coins on all spends
- 20% coins on travel bookings via Scapia app
โน500 Joining Fee
โน500 Annual Fee
๐ณ๐ธ๐
30000+ Monthly Salary
18+ Age
- ๐๏ธ 5% Unlimited Cashback on spends on Flipkart and Myntra platforms
- ๐ 4% Unlimited Cashback on Swiggy, Uber, PVR
- โฝ 1% Fuel Surcharge Waiver up to Rs. 500 per month
0 Joining Fee
0 Annual Fee
๐ ๐ณ๏ธ
- 10X Reward Points on incremental spends above โน20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to โน20,000 per month
- Unlimited Reward points that never expire
0 Join Fee
0 Annual Fee
- ๐ณ Lifetime-free credit card โ no joining or annual fees
- ๐ฑ Use for UPI scan & pay, even without a physical card
- ๐ธ Earn 3% cashback in Rio Coins on eligible UPI spends
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- 1) ๐ณ Easy Credit Card ApprovalCustomers can get a credit card without a high CIBIL score or salary proof.This makes it a great option for:first-time credit card users
- students
- freelancers
โน999 Joining fee
โน999 Annual fee
๐ณ๐ฐ๐ธ
- ๐ฝ๏ธ Get 10% accelerated cashback on all dining, food delivery, and grocery spends (capped at up to โน1,000 per billing cycle)
- ๐ต Enjoy 1.5% unlimited cashback on all other spends
- ๐๏ธ Receive 4 complimentary domestic lounge visits per year (1 per quarter)
- ๐ณ Lifetime Free Card โ No joining or annual fee
- ๐ฑ UPI Payments with RuPay Credit Card
- ๐ 2 Reward Points on every โน150 spent
- ๐ฐ 10% Cashback on dining, grocery & food delivery
- ๐ฑ UPI Payments with RuPay Credit Card
- โ๏ธ 10 Free Airport Lounge Visits every year
INR 500 Joining Fee
INR 500 Annual Fee
- ๐ 5% Cashback on food delivery & groceries
- ๐ โน500 Gift Voucher on card activation
- ๐ฒ Instant virtual card on approval
- ๐ฏ 6X Reward Points on every โน100 spent (on reaching โน6L annual spend)
- โ๏ธ 8 Free Domestic Lounge Visits/Year (2 per quarter)
- ๐ 2 Free International Lounge Visits via Priority Pass
โน0 Joining Fee
โน0 Annual Fee
๐๏ธ
- 5X rewards on departmental & movie spends
- 2 RP per โน100 on other categories
- Smart EMI option
โน1000 Joining Fee
โน1000 Annual Fee
โ๏ธ๐ง๐๏ธ
- 5X rewards on travel, dining & entertainment
- 2 RP per โน100 on other spends
- 4 domestic lounge visits yearly
โน750 Joining Fee
โน750 Annual Fee
๐๏ธ๐
- 5X rewards on online shopping & dining
- 1 RP per โน100 on other spends
- Free add-on card
โน0 Joining Fee
โน0 Annual Fee
โ๏ธ๐ธ๐๏ธ
- 15 RP per โน100 on travel, dining & online shopping
- BOGO on District movie tickets ๐ฌ
- Unlimited domestic lounge access ๐ซ
- ๐ Lifestyle and shopping benefits
- ๐ธ Savings on eligible spending
- ๐ Useful for regular shopping users
- ๐ธ Cashback on eligible spends
- ๐ Best for online shopping users
- ๐ Useful for food delivery spending
- โ๏ธ 4 Reward Points/โน100 on flights, travel aggregators & foreign currency
- ๐ผ 2 Reward Points/โน100 on all other spends
- ๐ 10,000 milestone bonus points on โน12โฏlakh annual spend
โน1000 Joing Fees
โน1000 Annual Fee
๐ณ๐ธ๐
30000+ Monthly Salary
18+ Age
- ๐ณ Premium Perks at ZERO Cost!
- ๐ Welcome Benefit: Get 5,000 EDGE Reward Points(Value โน1,000) on spending โน1,000 or more within first 30 days of card issuance
- ๐ Milestone Reward: 1,500 EDGE Reward Points on net purchases of โน30,000 per statement cycle.
0 Joining Fee
0 Annual Fee
๐ณ๐ธ๐
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
โน500 Joining Fee
โน500 Annual Fee
๐ณ๐ธ๐
18+ Age
30000+ Monthly Salary
- ๐ธ Get Up to 4% Value Back on fuel transactions
- ๐ Earn 20 Reward Points for every Rs. 100 spent on fuel
- ๐ Annual Fee Waiver on spending Rs. 50,000 in a year
0 Joining fee
0 Annual fee
๐ณ๐ฐ๐ธ
18+ Age
30000+ Monthly Salary
- โ๏ธ Convert your points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways, and Singapore Airlines
- โฝ Make annual savings of up to โน3,000 on fuel surcharges with credit card waiver
- ๐ก๏ธ Enjoy insurance coverage for any misuse of your card from 24 hours before reporting it lost, up to โน300,000
โน3000 Joining Fee
โน3000 Annual Fee
๐ณ๐ธ๐
50000+ Monthly Salary
18+ Age
- ๐ฝ๏ธ Exclusive Discount Offers on Swiggy
- โ๏ธ Access to Airport Lounges
- ๐ Rewards on Every Transaction
โน12500 Joining Fee
โน12500 Annual Fee
๐ณ๐ธ๐
200000+ Monthly Salary
18+ Age
- ๐ท๏ธ Annual Fee of Rs 12,500 + Taxes waived off
- ๐ Lowered Interest Rate of 3%
- ๐ Reduced Mark-Up Fee of 2% on foreign transactions
โน1500 Joining Fee
โน1500 Annual Fee
๐ณ๐ธ๐
18+ Age
50000+ Monthly Salary
- ๐๏ธ Access Airport Lounges for a luxurious travel experience
- ๐ก๏ธ Purchase Protection Plan up to Rs 1 lakh
- โฝ Fuel Surcharge Waiver
โน4500 Joining Fee
โน4500 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
200000+ Monthly Salary
- ๐ Complimentary FC Black Membership worth Rs 4500
- ๐๏ธ Earn 20 First Citizen Points for every Rs. 150 spenton Shoppers Stop
- ๐ Earn 15 First Citizen Points for every Rs. 150 spent on all other Shoppers Stop brands
โน500 Joining Fee
โน500 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
20000+ Monthly Salary
- ๐ธ Earn 2 CashPoints per โน150 spent on other purchases
- ๐ Receive a โน500 gift voucher on spends of โน50,000 per calendar quarter
- ๐๏ธ Earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
โน0 Joining Fee
โน0 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
20000+ Monthly Salary
- ๐๏ธ Earn 6 First Citizen Points for every Rs. 150 spent on Shoppers Stop brands
- ๐ Earn 2 First Citizen Points for every Rs. 150 spent on non-Shoppers Stop brands
- ๐ Complimentary Shoppers Stop membership
โน500 Joining Fee
โน500 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
12000+ Monthly Salary
- ๐ 10X CashPoints on: Big Basket, BookMyShow, OYO, Swiggy & Uber
- ๐ 5X CashPoints on EMI spends at merchant locations
- ๐ณ 1 CashPoint for every Rs. 150 spent on other purchases
โน500 Joining Fee
โน500 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
10000+ Monthly Salary
- โฝ Earn up to 50 litres of free fuel annually
- ๐ Earn 5% of your spending as fuel points at IndianOil outlets
- ๐ธ Earn 5% of your spending as fuel points on groceries and bill payments
โน500 Joining Fee
โน500 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
12000+ Monthly Salary
- ๐ Enjoy 5% monthly cashback on fuel expenses
- ๐ธ Get a 1% surcharge waiver and save up to Rs. 250
- ๐ Save with 5% monthly cashback on grocery spending
โน1,000 Joining Fee
โน1,000 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
35000+ Monthly Salary
- ๐๏ธ Enjoy 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
- ๐ณ Get 1% cashback on all other spends (except fuel), including EMI & wallet transactions
- ๐ Receive โน1000 worth of gift vouchers on spends of โน1,00,000 and above in each calendar quarter
โน499 Joining Fee
โน499 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
25000+ Monthly Salary
- 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
- 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
- 4 Complimentary Domestic Lounge Access per calendar year (1 in a quarter)
2500 Joining Fee
2500 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
100000+ Monthly Salary
- โ๏ธ Enjoy 12 complimentary airport lounge accesses within India and 6 outside India
- ๐ Earn a bonus of 10,000 Reward Points on Rs. 5 lakhs spent
- ๐ณ An additional 5,000 Reward Points on Rs. 8 lakhs spent in an anniversary year
โน1,000 Joining Fee
โน1,000 Annual Fee
๐ธ๐ฝ๏ธ๐
21+ Age
70000+ Monthly Salary
720+ Cibil Score
- ๐ฌ Buy 1 Get 1 Free on weekend tickets via BookMyShow!
- ๐ฝ๏ธ 5X Reward Points on Swiggy and Zomato!
- ๐ Complimentary annual memberships of Swiggy One and Times Prime as a welcome benefit!
โน10,000 Joining fee
โน10,000 Annual fee
๐ธ๐ฝ๏ธ๐
21+ Age
175000+ Monthly Salary
- ๐ Annual Memberships: Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK
- ๐ Complimentary Vouchers: Ola Cabs, cult.fit Live, BookMyShow, and TataCliQ spend over Rs. 80k/month
- ๐ 5 Reward Points for every Rs. 150 spent
0 Joining Fee
0 Annual Fee
๐ณ๐ธ๐
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
๐ธ๐ฐ๐
21+ Age
710+ Cibil Score
30000+ Monthly Salary
- 3X Reward Points on Spends till โน20,000 in a statement cycle
- 10X Reward Points on crossing spends of โน20,000 in a statement cycle & on your birthday
- Unlimited & never expiring Reward Points
0 Joining Fee
0 Annual Fee
๐ธ๐ฐ๐
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
โน500 Joining fee
โน500 Annual fee
๐ธ๐ฝ๏ธ๐
18+ Age
15000+ Monthly Salary
- INR 1000 joining voucher
- 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.
โน3000 Joining fee
โน3000 Annual fee
๐ธ๐ฝ๏ธ๐
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 โน500 Joining fee
โน500 Annual fee
๐ธ๐ฝ๏ธ๐
21+ Age
25000+ Monthly Salary
- ๐ธ 2% Back as Neu Coins on Non-EMI Spends on Tata Neu and Partner Tata Brands
- ๐ฐ 1% Back as Neu Coins on Non-Tata Brand Spends and Any Merchant EMI Spends
- ๐ฒ 1% Back as Neu Coins on UPI Spends (Including Partner Tata Brands
โน0 Joining Fee
โน0 Annual Fee
๐ธ๐ฐ๐
21+ Age
30000+ Monthly Salary
- 10X Reward Points on incremental spends above โน20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to โน20,000 per month
- Unlimited Reward points that never expire
โน499 Joining Fee
โน499 Annual Fee
๐ธ๐ฐ๐
21+ Age
30000+ Monthly Salary
- 2000 Reward Points worth เคฐเฅ500 on spending เคฐเฅ5,000
- 1000 Reward Points on your First EMI conversion
- Travel discount coupon of โน2100 as a welcome gift
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
โน 0 Joining fee
โน 0 Annual fee
๐ธ๐ฝ๏ธ๐
- Maximise your Rewards with flexible reward plans to choose from
- Comprehensive insurance benefits, 24X7 Concierge service
- Get waiver* on fuel surcharge on fuel transactions
โน199 Joining Fee
โน199 Annual Fee
๐ณ๐ธ๐
- 2% cashback on groceries, departmental stores & utility payments (max โน50 per statement cycle)
- 1% cashback on all other retail spends (max โน50 per statement cycle)
- โน50 milestone benefit on โน10,000 monthly retail spends
โน0 Joining Fee
โน0 Annual Fee
๐ณ๐ธ๐
21+ Age
25000+ Monthly Salary
700+ Cibil Score
- 10X / 5X Reward Points on online domestic & international retail transactions โ Available only if the reward feature pack is activated (not automatic).
- 1% fuel surcharge waiver on โน400โโน5,000 transactions โ Available if the fuel waiver benefit is activated (capped per billing cycle).
- Food delivery, fitness & entertainment benefits โ Not included by default; available through optional paid feature packs.
โน4999 Joining Fee
โน4999 Annual Fee
๐ณ๐ธ๐
- 8 complimentary golf lessons/games per annum (maximum 2 per quarter).
- 16 complimentary Buy-One-Get-One movie tickets per annum.
- 5,000 Reward Points on card renewal membership fee payment.
โน2999 Joining Fee
โน2999 Annual Fee
๐ณ๐ธ๐
- ๐ 4 Reward Points per โน100 on Grocery & Departmental Store spends โ 4 RPs/โน100.
- ๐ฌ 2 Reward Points per โน100 on All Other Merchant Categories โ 2 RPs/โน100.
- ๐ก 1 Reward Point per โน100 on Utility & Insurance Category spends โ 1 RP/โน100 (reward points on these spends are capped per transaction).
โน499 Joining Fee
โน499 Annual Fee
๐ณ๐ธ๐
- Higher credit limit starting from โน50,000 up to โน1,50,000 (based on income & credit profile).
- Suitable for mid-income customers looking for higher spending power.
- Cashback / reward benefits on eligible spends (as per bank T&C).
โน 199 Joining Fee
โน 199 Annual Fee
๐ณ๐ฐ
- 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
โน 499 Joining Fee
โน 499 Annual Fee
๐ต ๐ฐ
- Up to 6.5% savings on your fuel expenses
- 5% savings as Rewards on Grocery & Utility expenses
- 5% savings as Rewards on IDFC FIRST FASTag recharge
โน2,999 + GST Joining Fee
โน2,999 + 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 โน25,000 on hotel & flight bookings in a year
โน5,999 + GST Joining Fee
โน5,999 + 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 โน50,000 on hotel & flight bookings in a year
“Empower Your Wallet: Unveiling the Art of Credit Card Selection with Expert Guidance!”
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