Hand-picked credit cards from India's top issuers. Apply through Book1A to unlock the Runway Plan once your card is approved, activated and verified.
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See HSBC TravelOne details
Mastercard World HSBC Bank
Fees
Top perks
20 transfer partners (incl. Marriott & Accor)
2 RP/₹100 regular; portal flights 16 RP and hotels 24 RP, capped at 18K RP/month
Travel merchant discounts depend on current offer dates, booking caps and coupon eligibility
Above ₹12L annual spend: 10,000 bonus points. Spend ₹25,000 in the first 30 days for ₹1,000 cashback, a ₹3,000 PostCard voucher and 3 months of EazyDiner Prime. Earn 16 RP/₹100 on flights and 24 on hotels through HSBC Rewards Marketplace, within an 18,000-RP monthly portal cap; redemption value varies. See Scapia details
Visa Signature Federal Bank
Fee
Top perks
2% value on eligible Federal Visa spends; exclusions apply
Choose lounge OR eligible airport dining/shopping/spa reimbursement per visit
4% on flight, hotel, train and bus bookings
Strong referral program: Win Apple Watch, Ray-Ban Meta, Amazon Pay vouchers, etc. 0% forex markup can save around Rs 4,130 on Rs 1L international spend versus other credit cards which charge 3% to 4% charges. Redeem coins/points for Flights, hotels, trains, experiences, or products from brands like Apple, Sony, Daily Objects via Scapia Store. See Amex Platinum Reserve details
American Express American Express
Fee
Top perks
11,000 MR after fee + Rs 30k spend in 90 days; extra referral incentives are offer-dependent and must be confirmed live
2 MR points / Rs 100
6 MR points / Rs 100 on ShopWise
Airline/hotel transfers; confirm current India catalogue ratios
Includes 12 domestic lounge visits and 2 international Priority Pass visits yearly. Earn 3X via ShopWise/Reward Multiplier and 5X accelerated rewards on select partners like Air India and Tata CLiQ Luxury. Hotel and dining stack includes ALL Accor+ Explorer, Taj Epicure Plus, and EazyDiner Prime memberships. See SBI Cashback details
Top perks
5% cashback on online transactions.
1% cashback on offline transactions.
Auto-credited every statement cycle.
Discounted brand vouchers can add savings, subject to merchant coding and live terms.
Popularly known as the Don Cashback Card. 5% online cashback and 1% offline cashback, each capped at ₹2,000 per statement cycle, giving a total cap of ₹4,000. Direct utilities, insurance, rent, wallet loads, fuel, education, government and jewellery do not earn cashback; voucher eligibility depends on merchant coding and live terms. See HDFC Regalia Gold details
Visa Signature HDFC Bank
Fee
Top perks
SmartBuy travel/voucher accelerators; check current card-specific multiplier and caps
5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps
2 HDFC Reward Points = 1 ALL Reward point, subject to partner terms
3 domestic next quarter after Rs 60k current-quarter eligible spend + 6 international/year Transfer eligible points to airline and hotel programmes; Accor confirms 2 HDFC RP = 1 ALL point. Other ratios require the current card-specific portal. Quarterly and annual milestones can save up to ₹16,000/year, plus Boarding Edge perks like buffet, spa and more. See BOB Eterna details
Visa Signature Bank of Baroda
Fee
Top perks
3.75% statement-credit value on eligible accelerated spends, subject to caps
Zero joining and first-year fee from 1 September 2026
15 RP per Rs 100 on eligible international spends; forex markup and GST reduce net value
Buy 1 Get 1 movie offer
20,000 RP bonus on ₹5L annual spends
Easy redemption via statement credit Earn 15 RP per ₹100 on eligible online shopping, travel, dining, movies and international spends, subject to excluded merchant categories and caps; redeem as statement credit at ₹0.25/RP. Domestic lounge access requires Rs 75,000 eligible spend in the previous quarter; primary and add-on cardholder terms apply. See Axis Horizon details
Visa Signature Axis Bank
Joining fee
Top perks
5 EM/₹100 airlines + Travel EDGE
2 EM/₹100 on eligible spends
27 programmes: mostly 1:1; selected partners 2:1
Visa 8 domestic/qtr, Mastercard 6; international 2/qtr
No spend-based waiver; eligible Burgundy fee-free cohort excludes welcome/renewal miles Earn 5 EDGE Miles per ₹100 on airlines and Travel EDGE, and 2 EDGE Miles per ₹100 on other eligible spends. Visa allows 8 domestic visits/quarter and Mastercard 6; both allow 2 international visits/quarter. Transfers are partner-specific. See BPCL SBI Octane details
Visa Signature SBI Card
Joining fee
Top perks
Up to 7.25% within BPCL caps; RuPay UPI fuel excluded
Best at ₹5k-₹10k fuel/month
Around ₹8,700/year fuel upside
10X on dining, grocery, movies
₹2k voucher at ₹3L spends Eligible BPCL card payments earn 25 RP/₹100 plus the capped 1% surcharge waiver, up to 7.25% value; RuPay UPI fuel is excluded. At ₹10,000 eligible BPCL card fuel spend per statement cycle, capped rewards and surcharge waiver can reach about ₹8,700/year; UPI fuel is excluded. See Amex Platinum Travel details
American Express American Express
Joining fee
Top perks
10,000 MR on ₹15,000 in 90 days
10,000 bonus MR at ₹4L; ₹20,000 Taj voucher at ₹7L
Airline/hotel transfers; confirm current India catalogue ratios 10,000 MR welcome gift after annual fee payment and Rs 15,000 spend in 90 days. Earn 10,000 bonus MR at Rs 4 lakh and a Rs 20,000 Taj voucher at Rs 7 lakh eligible annual spend, subject to benefit-claim terms. Earn 1 MR per Rs 50 on eligible spends and 3X points via Reward Multiplier. See HSBC Live+ details
Visa Infinite HSBC Bank
Fees
Top perks
10% eligible everyday categories; Myntra offer ends 31 Oct 2026
₹1,200 shared accelerated cashback per billing cycle
1.99% currency conversion fee, plus applicable taxes
2 domestic lounge visits + 1 international visit per year
₹1,000 cashback: app login + ₹25,000 in 30 days; offer valid for eligible applications through 31 Dec 2026 10% eligible everyday cashback, sharing a ₹1,200 billing-cycle cap; Myntra also earns 10% until 31 October 2026 within that cap. Earn 1.5% on most other eligible spends, with 2 domestic and 1 international lounge visits yearly, subject to programme terms. See IndusInd Tiger details
Visa Signature IndusInd Bank
Fee
Top perks
Lifetime Free Credit Card
1:1 Air India transfer; award value varies. Cash credit ₹0.40/RP, capped at 5K RP/month
8 domestic + 2 international lounge visits/year
1.5% discounted forex mark-up
Quarterly golf + BookMyShow ticket benefit Transfer points 1:1 to Air India Maharaja Club for flight awards. At an assumed Rs 1 value per Maharaja Point, the incremental spend slabs return 1%, 2%, 4% and 6%. Includes 8 domestic lounge visits, 2 international Priority Pass visits, quarterly golf and BookMyShow ticket benefits. See Kiwi RuPay details
RuPay Yes Bank / PNB / AU Bank
Fee
Top perks
PNB virtual / AU free; PNB physical fees apply. Neon is separate
Up to 5% cashback on UPI transactions with Neon Membership
Up to 3 domestic lounge visits with Neon milestones
Yes Bank, PNB or AU Bank for new cards Earn 6 Kiwis per Rs 100 on eligible UPI spends, worth 1.5% as statement-credit value. Optional Neon costs Rs 999/year and can lift eligible UPI cashback to 3%, 4% or 5% as annual UPI milestones are crossed. See HDFC Marriott Bonvoy details
Diners Club HDFC Bank
Joining fee
Top perks
Paid card: 15K-point Free Night Award after activation condition
Paid card: Silver Elite + 10 elite nights/year; LTF exceptions excluded
12 India + 12 overseas/year, shared primary/add-ons
Up to 8 Marriott points per Rs 150
Milestone Benefits at Rs 6L, Rs 9L and Rs 15L spends Earn points on categories such as insurance, gold, utility, car, education, marriage along with milestone benefits. Qualifying paid cards include Silver Elite and 10 elite nights yearly. Lounge quotas of 12 India and 12 overseas visits are shared with add-ons. See Tata Neu Infinity details
Top perks
5% NeuCoins on eligible Tata ecosystem spends
1.5% NeuCoins on most retail spends
5% NeuCoins on Tata Neu/Tata Pay utilities; insurance follows eligible terms
2 domestic vouchers after ₹50K same-quarter spend; 1 international/qtr, shared quota
Rs 1,499 + GST, waived at Rs 3L spends 5% savings on Tata ecosystem on brands like Tanishq, Big Basket, Westside, Air India, Tata Cliq, etc. RuPay UPI earns 0.5% through any UPI ID plus 1% through a Tata Neu UPI ID, capped at 500 NeuCoins per month. See HDFC BizBlack details
Top perks
5 RP per Rs 150 on eligible retail spends
25 RP per Rs 150 on eligible business and tax categories after Rs 50K spend per cycle
Unlimited domestic + international access
7,500 bonus RP per statement cycle Includes unlimited domestic and international lounge access for primary and add-on cardholders, plus Rs 5,000 vouchers at each Rs 5L milestone. Earn 25 RP per Rs 150 on eligible income tax, GST and business spends after Rs 50,000 spend in the statement cycle, subject to the 5X cap and payment-route terms. See HDFC Infinia details
Visa Infinite HDFC Bank
Fee
Top perks
SmartBuy accelerators; bonus cap 15K RP/month, live rates apply
Up to 15,000 bonus RP per month
Unlimited domestic + international access
Accor 2:1; other ratios require the card-specific portal
Rs 12,500 + GST, waived at Rs 10L spends Earn 5 RP per Rs 150 on eligible retail spends, worth up to Rs 1/RP for SmartBuy flights, hotels, Tanishq and Apple redemptions. SmartBuy offers 5X rewards on flights and instant vouchers and 10X on hotels, with a 15,000 bonus RP monthly cap. See Axis Atlas details
Visa Signature Axis Bank
Fee
Top perks
5 EDGE Miles per Rs 100 on eligible travel spends
2 EDGE Miles per Rs 100 on eligible regular spends
27 programmes: mostly 1:2; selected partners 2:1 or 1:1
Up to 18 domestic + 12 international visits/year Earn 5 EDGE Miles per Rs 100 on eligible airline, hotel and Travel EDGE spends up to Rs 2L per calendar month. Earn 2,500 EDGE Miles at Rs 3L, another 2,500 at Rs 7.5L and 5,000 at Rs 15L in eligible annual spends. See Axis Cashback details
Mastercard World Axis Bank
Fee
Top perks
2% to 7% cashback on eligible online spends
₹4,000 accelerated online cap/cycle; 0.75% travel/offline unlimited
0.75% unlimited eligible travel/offline cashback
5,000 EDGE RP: first transaction in 30 days, fresh fee-paid issuance only
Rs 1,000 + GST, waived at Rs 4L spends ₹4,000 statement-cycle cap applies only to accelerated online cashback; eligible travel/offline 0.75% is unlimited. Eligible travel/offline earns unlimited 0.75%; utilities earn 0.5% capped at ₹100 per statement cycle. Cashback is automatic. See IndusInd Avios details
Visa Infinite IndusInd Bank
Joining fee
Top perks
20,000 bonus Avios on joining fee payment
6 Avios/Rs 200 at preferred destination POS
5 Avios/Rs 200 on Qatar or British Airways
18k + 18k Avios at Rs 8L + Rs 16L spends
2 domestic + 2 international visits/quarter Earn 6 Avios per Rs 200 on POS spends in your preferred international destination and 5 Avios per Rs 200 on Qatar or British Airways bookings. Get 20,000 welcome Avios, 5,000 renewal Avios, up to 36,000 milestone Avios yearly and 2 complimentary meet-and-greet services. See Axis Magnus Burgundy details
Visa Infinite Axis Bank
Fee
Top perks
27 programmes: mostly 5:4; selected partners 5:2
12/35 ER per Rs 200 by monthly spend slab
60 ER per Rs 200 on eligible travel bookings
Unlimited lounges + guest visits
Rs 30,000 + GST, waived at Rs 30L spends Earn 12 EDGE Rewards per Rs 200 on eligible spends, 35 EDGE Rewards per Rs 200 after Rs 1.5L monthly spends, and 60 EDGE Rewards per Rs 200 on Travel EDGE. 27 listed transfer programmes: most 5:4, selected partners 5:2. Burgundy fee waiver requires ₹30 lakh eligible anniversary-year spend. See HDFC DCB Metal details
Top perks
5 RP per Rs 150, about 3.3% travel value
SmartBuy accelerators; bonus cap 10K/month and 10K/day
10,000 RP at Rs 4L calendar-quarter spends
Unlimited domestic + international access
Rs 10,000 + GST, waived at Rs 8L spends Earn 5 RP per Rs 150 on eligible spends, 10 RP per Rs 150 on weekend dining, and up to 10X rewards through SmartBuy. Get unlimited domestic and international lounge access, 10,000 bonus RP at Rs 4L calendar-quarter spends, and 1 RP = Rs 1 on SmartBuy travel. See ICICI Emeralde Private details
Mastercard World Elite ICICI Bank
Fee
Top perks
6 RP per Rs 200, about 3% reward value
6X flights/vouchers, 12X hotels; bonus cap 18K/month, 10K/day
12,500 RP after joining-fee payment + Taj Epicure Plus
Unlimited domestic + international access
Rs 12,499 + GST, waived at Rs 10L spends Earn 6 RP per Rs 200 on eligible retail spends, worth up to Rs 1 per point for flights, hotels and premium brand vouchers. Get 12,500 RP on joining and renewal, Taj Epicure Plus, EazyDiner Prime, unlimited lounges, unlimited golf and iShop rewards up to 12X. See Times Black details
Visa Infinite ICICI Bank
Fee
Top perks
6X flights/vouchers, 12X hotels; bonus cap 15K/month, 8K/day
Klook, WeWork/transfers, Tata CLiQ and Ayatana/Lohono choices
Unlimited domestic + international access
Rs 20,000 + GST, waived at Rs 25L spends Earn around 2% reward value on domestic spends and 2.5% on international spends, with iShop accelerators up to 12X on hotels. Get unlimited domestic and international lounge access, low 1.49% forex markup, Klook and Tata CLiQ Luxury milestones, and premium concierge benefits. See Axis Neo details
RuPay / Visa / Mastercard Axis Bank
Fee
Top perks
Rs 250; LTF on select channels
Flat Rs 120 off on Rs 499+, twice/month
5% off Paytm utility bills up to Rs 150 per order, once/month
Blinkit and BookMyShow offers; expired Myntra offer excluded
1 EDGE RP per Rs 200, worth 20p per point Get flat Rs 120 off on Zomato orders of Rs 499 or more twice a month, plus Paytm utility, Blinkit and BookMyShow offers. The base reward rate is low at 1 EDGE RP per Rs 200, so Neo works best as a discount and first-Axis-card option rather than a rewards card. See SBI Aurum details
Visa Infinite / Mastercard World SBI Card
Fee
Top perks
40,000 RP, about Rs 10,000 value
4 RP per Rs 100, about 1% reward value
Tata CLiQ, Taj and Apple vouchers up to Rs 20L spends
Unlimited international lounges + 4 domestic/qtr
4 BookMyShow tickets monthly, up to Rs 1,000 value Earn 4 RP per Rs 100 on eligible retail spends, get 40,000 welcome RP, and unlock Tata CLiQ, Taj and Apple milestone vouchers. Includes unlimited international lounge access, 4 domestic lounge visits per quarter, quarterly spa, 4 BookMyShow tickets monthly and golf benefits. See IDFC Mayura details
Mastercard World / Visa Infinite IDFC FIRST Bank
Fee
Top perks
0% foreign currency markup
5X up to Rs 20K, 10X above Rs 20K eligible spends per cycle; reduced-rate categories excluded
4 domestic + 4 international visits/quarter
BOGO up to ₹500 twice/month after ₹20K previous-month spend
One at ₹20K / two at ₹40K previous-cycle spend Earn 5X RP per Rs 150 on eligible spends up to Rs 20,000, 10X on incremental eligible monthly spends above Rs 20,000, and 5X on international spends; reduced-rate categories do not count toward the threshold. Get zero forex markup, 4 domestic plus 4 international lounge visits per quarter, railway lounges, BOGO movies, golf and trip cancellation cover. See IDFC HPCL Power+ details
RuPay Select IDFC FIRST Bank
Fee
Top perks
5% value back on HPCL fuel up to Rs 12K/statement
RuPay Select card works for eligible UPI spends
5% value on groceries, utilities and FASTag within caps
Rs 499 + GST, waived at Rs 1.5L spends
Partner rewards/surcharge depend on live HPCL terms Earn 30 RP per Rs 150, about 5% value back, on HPCL fuel up to Rs 12,000 per statement plus utilities, groceries and FASTag within caps. See HDFC BizPower details
Visa Business HDFC Bank
Fee
Top perks
25 RP per Rs 200 on eligible business spends
Rs 25K qualifying non-tax spend per statement cycle
Only the first 2 income-tax and first 2 GST transactions per cycle earn points
Rs 5K voucher at Rs 2.5L quarterly spend
2 domestic/qtr after ₹75K previous-quarter spend; 6 intl/year by network route Earn 25 RP per Rs 200 on eligible 5X business categories after Rs 25,000 qualifying non-tax spend in the statement cycle. Earn a Rs 5,000 quarterly voucher at Rs 2.5L eligible spend, and access domestic and international lounges. See HDFC Swiggy Ornge details
Mastercard World HDFC Bank
Fee
Top perks
5%; shares ₹1,500/cycle cap with eligible online spends
5%; shared Swiggy/online cap ₹1,500/cycle
1% cashback, capped at Rs 1,000 per billing cycle
Complimentary Swiggy One for 12 months
12 lessons + 4 complimentary green-fee rounds/year 5% eligible Swiggy and online cashback share a ₹1,500 billing-cycle cap. Minimum ₹249 for 5%; ₹100 for 1%. Get 1% cashback on other eligible spends, automatic statement credit and a complimentary 12-month Swiggy One membership on activation. See HDFC Swiggy BLCK details
Mastercard World HDFC Bank
Fee
Top perks
10% cashback, capped at Rs 1,500 per billing cycle
5% cashback, capped at Rs 1,500 per billing cycle
1% cashback, capped at Rs 1,000 per billing cycle
Complimentary Swiggy BLCK for 3 months
12 lessons + 4 complimentary green-fee rounds/year Earn 10% cashback on eligible Swiggy Food, Instamart and Dineout spends, capped at Rs 1,500 per billing cycle. Get 5% cashback on eligible select online spends and 1% on other eligible categories, with cashback automatically applied as statement credit. See Jupiter Edge+ details
Top perks
Up to 10% value; from 10 Oct 2026 the accelerated rate requires over Rs 15K qualified cycle spend
25% Jewels on Jupiter Flights
5% Jewels on other eligible spends
Rewards require transactions through Jupiter UPI
No annual fee; joining fee depends on accepted offer/KFS Earn 50% Jewels on select shopping brands, worth up to 10% when redeemed at Rs 0.20 per Jewel, capped at 10,000 Jewels per statement cycle. Earn 25% Jewels on Jupiter Flights and 5% Jewels on other eligible Jupiter UPI spends, with flexible redemption for travel, vouchers, gold or statement credit. From 10 October 2026, the 50% shopping Jewels rate requires more than Rs 15,000 qualified spend per billing cycle; otherwise eligible shopping earns 5% Jewels. All-card transfer planner Amex MR value calculator Axis EDGE Miles calculator Points & miles guides More cards coming soon · Curated by Book1A
