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.
Join fee
₹10,000 + GST
Reversal at ₹10L
Welcome
11,000 MR after fee + Rs 30k spend in 90 days; extra referral incentives are offer-dependent and must be confirmed live
Memberships
Taj & Accor Membership Benefits
Visa
SBI Cashback
SBI Card
Flat 5% cashback on eligible online spends, subject to official exclusions. 1% offline.
Top perks
Cashback
5% cashback on online transactions.
Offline
1% cashback on offline transactions.
Credit
Auto-credited every statement cycle.
Vouchers
Discounted brand vouchers can add savings, subject to merchant coding and live terms.
Nickname
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.
Join fee
₹999 + GST
Reversal at Rs 2L
Spend
Rs 40,000
Save 5% to 30%
Offline
1%
Visa Signature
HDFC Regalia Gold
HDFC Bank
An all-rounder rewards card with 5 RP/Rs 200, partner transfers, Accor value, milestone savings, insurance/grocery points and premium travel perks.
Top perks
Travel Rewards
Up to 10X on SmartBuy flights/hotels; 5X on instant vouchers and selected brands, subject to caps
Brand Rewards
5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps
Accor Value
Upto 25% Points Value in terms of Accor Redemption
Lounge Access
3 domestic next quarter after Rs 60k current-quarter eligible spend + 6 international/year
•Transfer points on partner airlines/hotels like Accor, Air India, ITC, Singapore Airlines, Air Canada, Etc.
•Quarterly and annual milestones can save up to ₹16,000/year, plus Boarding Edge perks like buffet, spa and more.
Fee
₹2,500 + GST
Reversal at ₹4L
Highlight
Points for Insurance & Grocery
Standout
All-Rounder Credit Card
Visa Signature
BOB Eterna
Bank of Baroda
A cashback optimiser wearing a premium suit, strongest when you can stay inside its useful categories and caps.
Top perks
Value
Earn 3.75% to 5% annual value
Offer
Lifetime Free Offer for Limited Time
Forex
Up to 1.75% effective cashback on forex
Movies
Buy 1 Get 1 movie offer
Milestone
20,000 RP bonus on ₹5L annual spends
Redemption
Easy redemption via statement credit
•Earn 15 RP per ₹100 on online shopping, travel, dining, movies and international spends; redeem as statement credit at ₹0.25/RP.
•Excellent for domestic lounge access, with benefits available to both primary cardholders & family members through add-on cards.
Fee
₹2,499 + GST
Waiver at ₹2.5L
Lounge
Domestic primary + add-ons
Best for
Online, travel, dining, movies
Visa Signature
Axis Horizon
Axis Bank
A premium miles card with 1:1 transfers, strong lounge access, and clear travel-first value.
Top perks
Earn
5 EM/₹100 airlines + Travel EDGE
Base
2 EM/₹100 on eligible spends
Transfers
1:1 to 19+ airline & hotel partners
Lounge
8 domestic + 2 intl visits/qtr
Caveat
No fee waiver or milestone benefit
•Earn 5 EDGE Miles per ₹100 on airlines and Travel EDGE, and 2 EDGE Miles per ₹100 on other eligible spends.
•Transfer EDGE Miles 1:1 to 19+ airline and hotel partners, with generous annual conversion caps.
•Get 8 domestic lounge visits every quarter and 2 international lounge visits every quarter.
Join fee
₹3,000 + GST
Forex
3.5%
Welcome
5,000 EM
Visa Signature
BPCL SBI Octane
SBI Card
A focused fuel card for BPCL loyalists who can turn regular refuelling into meaningful yearly savings.
Top perks
Fuel
Up to 7.25% value at BPCL pumps
Sweet spot
Best at ₹5k-₹10k fuel/month
Yearly value
Around ₹8,700/year fuel upside
Lifestyle
10X on dining, grocery, movies
Milestone
₹2k voucher at ₹3L spends
•Earn 25 RP per ₹100 at BPCL pumps, worth 6.25%, and add the 1% surcharge waiver for up to 7.25% value back.
•At ₹10,000 monthly BPCL fuel spend, fuel rewards plus surcharge waiver can add up to roughly ₹8,700 a year.
Join fee
₹1,499 + GST
Waiver at ₹2L
Waiver
₹2L yearly spend
Milestone
₹2k voucher at ₹3L
American Express
Amex Platinum Travel
American Express
10,000 MR welcome gift, milestone bonuses at ₹1.9L, ₹4L and ₹7L, plus ₹10,000 Taj voucher.
Top perks
Welcome
10,000 MR on ₹15,000 in 90 days
Milestones
₹1.9L/₹4L/₹7L bonuses + ₹10k Taj
Transfers
Marriott 1:1; airlines 2:1
•10,000 MR welcome gift after annual fee payment and Rs 15,000 spend in 90 days.
•7,500 MR at Rs 1.9 lakh, 10,000 MR at Rs 4 lakh, 22,500 MR plus Rs 10,000 Taj voucher at Rs 7 lakh.
•Earn 1 MR per Rs 50 on eligible spends and 3X points via Reward Multiplier.
Join fee
₹5,000 + GST
Welcome
10,000 MR
Top tier
₹10k Taj
Visa Infinite
HSBC Live+
HSBC Bank
A broader everyday cashback card from 26 July 2026, with 10% cashback on food, dining, groceries, shopping and utilities.
Top perks
Cashback
10% on food, dining, groceries, shopping and utilities from 26 Jul
Cap
Rs 1,200 monthly accelerated cashback cap from 26 Jul
Visa offer
Up to Rs 750 Amazon Pay voucher on activation with an eligible Rs 300+ transaction
Lounge
4 domestic + 1 international visit per year
•From 26 July 2026, earn 10% cashback on food, dining, groceries, eligible shopping and utility spends, capped at Rs 1,200 per month.
•Earn 1.5% on most other eligible spends, plus 4 domestic lounge visits, 1 international visit yearly and quarterly contactless-fuel cashback.
Fees
Rs 999 + GST
Waiver at Rs 2L
Cashback
10% expanded spends
From 26 Jul 2026
Cap
Rs 1,200/month
From 26 Jul 2026
Visa Signature
IndusInd Tiger
IndusInd Bank
A lifetime-free premium lifestyle card with up to 6X reward multiplier, lounge access, golf, movies and a low 1.5% forex mark-up.
Top perks
Fee
Lifetime Free Credit Card
Rewards
Air India 1:1 transfer gives 1%-6% value by spend slab
Travel
8 domestic + 2 international lounge visits/year
Forex
1.5% discounted forex mark-up
Lifestyle
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.
Fee
0 Joining Fee
0 Annual Fee
Rewards
Up to 6X
Forex
1.5%
RuPay
Kiwi RuPay
Yes Bank / PNB / AU Bank
A lifetime-free UPI-first RuPay card with 1.5% base cashback and optional Kiwi Neon milestones that can unlock up to 5%.
Top perks
Fee
Lifetime Free Card
Neon
Up to 5% cashback on UPI transactions with Neon Membership
Lounge
Up to 3 domestic lounge visits with Neon milestones
Issuers
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.
Fee
0 Joining Fee
0 Annual Fee
UPI
1.5% base
Neon
Up to 5%
Diners Club
HDFC Marriott Bonvoy
HDFC Bank
A hotel-focused Diners Club card for Marriott loyalists with Free Night Awards, Silver Elite status and generous lounge access.
Top perks
Welcome
Free Night Award up to 15,000 points
Status
Silver Elite + 10 elite night credits/year
Lounge
12 domestic + 12 international visits/year
Earn
Up to 8 Marriott points per Rs 150
Milestones
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.
•Includes Marriott Bonvoy Silver Elite status, 10 elite night credits, 12 domestic and 12 international lounge visits yearly.
Join fee
Rs 3,000 + GST
FNA
15K points
Lounges
24/year
Visa / RuPay
Tata Neu Infinity
HDFC Bank
A Tata ecosystem rewards card with 5% NeuCoins on Tata Neu spends, 1.5% on regular spends and up to 1.5% on eligible UPI 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.
Fee
Rs 1,499 + GST
Waiver at Rs 3L
NeuCoins
Up to 5%
UPI
Up to 1.5%
Diners Club
HDFC BizBlack
HDFC Bank
A super-premium business metal card with 5X rewards on taxes and business essentials, unlimited lounges, golf and milestone travel vouchers.
Top perks
Base
5 RP per Rs 150 on eligible retail spends
5X
25 RP per Rs 150 on eligible business and tax categories
Lounge
Unlimited domestic + international access
Cap
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 (5X) on eligible business and tax categories such as income tax, GST and PayZapp bills.
Fee
Rs 10,000 + GST
Waiver at Rs 7.5L
5X cap
7,500 bonus RP/cycle
Lounges
Unlimited
Visa Infinite
HDFC Infinia
HDFC Bank
An invite-only super-premium card with 3.3% base travel value, SmartBuy accelerators, unlimited lounges and strong airline/hotel transfers.
Top perks
SmartBuy
5X on flights and instant vouchers; 10X on hotels and selected partners
SmartBuy cap
Up to 15,000 bonus RP per month
Lounge
Unlimited domestic + international access
Transfers
Airline and hotel partners at 1:1 or 2:1
Fee
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.
Fee
Rs 12,500 + GST
Waiver at Rs 10L
SmartBuy
15,000 bonus RP/month cap
Lounges
Unlimited
Visa Signature
Axis Atlas
Axis Bank
A travel-focused EDGE Miles card with 5 EM per Rs 100 on travel, 1:2 partner transfers, milestone miles and tier-based lounge access.
Top perks
Travel
5 EDGE Miles per Rs 100 on eligible travel spends
Base
2 EDGE Miles per Rs 100 on eligible regular spends
Transfers
Most partners convert at 1:2
Lounge
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.
Fee
Rs 5,000 + GST
Travel
5 EM/Rs 100
Transfers
Mostly 1:2
Mastercard World
Axis Cashback
Axis Bank
A simple cashback card with tiered 2% to 7% online cashback, 0.75% offline cashback and automatic statement credit.
Top perks
Online
2% to 7% cashback on eligible online spends
Cap
Up to Rs 4,000 cashback per month
Offline
0.75% cashback on offline spends
Welcome
Welcome Benefit of 5000 EDGE Reward Points (worth ₹1000) on your first transaction
Fee
Rs 1,000 + GST, waived at Rs 4L spends
•Earn 2% to 7% cashback on eligible online spends based on monthly online spend slabs, capped at Rs 4,000 per month.
•Offline spends earn 0.75%, utilities earn 0.5% capped at Rs 100/month, and cashback auto-posts to the next statement.
Fee
Rs 1,000 + GST
Waiver at Rs 4L
Online
Up to 7%
Cap
Rs 4,000/mo
Visa Infinite
IndusInd Avios
IndusInd Bank
A metal Avios card for Qatar Airways and British Airways loyalists with preferred-destination rewards, meet-and-greet and lounge access.
Top perks
Welcome
20,000 bonus Avios on joining fee payment
Travel
6 Avios/Rs 200 at preferred destination POS
Airlines
5 Avios/Rs 200 on Qatar or British Airways
Milestones
18k + 18k Avios at Rs 8L + Rs 16L spends
Lounge
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.
Join fee
Rs 10,000 + GST
Renewal
Rs 5,000 + GST
5K Avios
Forex
1.5% preferred
Visa Infinite
Axis Magnus Burgundy
Axis Bank
A Burgundy-only super-premium card with 5:4 travel transfers, accelerated EDGE Rewards, unlimited lounges and luxury airport services.
Top perks
Transfers
5:4 airline and hotel partner transfers
Earn
12/35 ER per Rs 200 by monthly spend slab
Travel EDGE
60 ER per Rs 200 on eligible travel bookings
Lounge
Unlimited lounges + guest visits
Fee
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.
•Convert EDGE Rewards to 20 travel partners at 5:4, with unlimited lounges, guest visits, meet-and-greet, golf and a Rs 30L fee waiver.
Fee
Rs 30,000 + GST
Waiver at Rs 30L
Transfer
5:4 partners
Lounges
Unlimited
Diners Club
HDFC DCB Metal
HDFC Bank
A premium Diners Club metal card with 3.3% base travel value, SmartBuy accelerators, quarterly milestone points and unlimited lounges.
Top perks
Base
5 RP per Rs 150, about 3.3% travel value
SmartBuy
Up to 10X rewards, 10K bonus RP/month
Milestone
10,000 RP at Rs 4L calendar-quarter spends
Lounge
Unlimited domestic + international access
Fee
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.
Fee
Rs 10,000 + GST
Waiver at Rs 8L
SmartBuy
10K RP cap
Lounges
Unlimited
Mastercard World Elite
ICICI Emeralde Private
ICICI Bank
An invite-only metal card with 3% reward value, iShop accelerators, Taj/EazyDiner benefits, unlimited lounges and golf.
Top perks
Base
6 RP per Rs 200, about 3% reward value
iShop
6X flights/vouchers and 12X hotels
Welcome
12,500 RP + Taj Epicure Plus membership
Lounge
Unlimited domestic + international access
Fee
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.
Fee
Rs 12,499 + GST
Waiver at Rs 10L
Rewards
3% base value
Lounges
Unlimited
Visa Infinite
Times Black
ICICI Bank
A premium ICICI co-brand built around unlimited lounges, low forex markup, lifestyle vouchers, concierge and milestone rewards.
Top perks
iShop
6X flights/vouchers and 12X hotels, 15K bonus RP cap
Milestones
Klook, transfers, Tata CLiQ Luxury and resort stays
Lounge
Unlimited domestic + international access
Fee
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.
Fee
Rs 20,000 + GST
Waiver at Rs 25L
Forex
1.49% + GST
Lounges
Unlimited
RuPay / Visa / Mastercard
Axis Neo
Axis Bank
A low-fee entry-level Axis card built for merchant discounts on Zomato, Paytm utility bills, Myntra, Blinkit and BookMyShow.
Top perks
Fee
Rs 250; LTF on select channels
Zomato
Flat Rs 120 off on Rs 499+, twice/month
Utilities
5% off Paytm utility bills up to Rs 150 per order, once/month
Partners
Myntra, Blinkit and BookMyShow offers
Rewards
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, Myntra, 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.
Fee
Rs 250
Select-channel LTF
Zomato
Rs 120 off
Utilities
5% Paytm
Visa Infinite / Mastercard World
SBI Aurum
SBI Card
SBI Card’s super-premium metal card with international lounges, monthly movie tickets, milestone vouchers, golf and lifestyle perks.
Top perks
Welcome
40,000 RP, about Rs 10,000 value
Base
4 RP per Rs 100, about 1% reward value
Milestones
Tata CLiQ, Taj and Apple vouchers up to Rs 20L spends
Travel
Unlimited international lounges + 4 domestic/qtr
Movies
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.
Fee
Rs 9,999 + GST
Waiver at Rs 12L
Welcome
40,000 RP
Lounges
Intl unlimited
Mastercard World / Visa Infinite
IDFC Mayura
IDFC FIRST Bank
A premium IDFC FIRST travel card with zero forex, strong lounge access, staged welcome points, movies, golf and CFAR protection.
Top perks
Forex
0% foreign currency markup
Rewards
5X up to Rs 20K, 10X above Rs 20K per cycle
Lounge
4 domestic + 4 international visits/quarter
Movies
BOGO up to Rs 500, twice per month
•Earn 5X RP per Rs 150 up to Rs 20,000 spends, 10X on incremental monthly spends above Rs 20,000, and 5X on international spends.
•Get zero forex markup, 4 domestic plus 4 international lounge visits per quarter, railway lounges, BOGO movies, golf and trip cancellation cover.
Fee
Rs 5,999 + GST
No waiver
Forex
0%
Welcome
Up to 12K RP
RuPay Select
IDFC HPCL Power+
IDFC FIRST Bank
An entry-level RuPay fuel card for HPCL users with 5% value back, HP Pay rewards, UPI support, RSA and domestic lounge access.
Top perks
Fuel
5% value back on HPCL fuel up to Rs 12K/statement
UPI
RuPay Select card works for eligible UPI spends
Utilities
5% value on groceries, utilities and FASTag within caps
Fee
Rs 499 + GST, waived at Rs 1.5L spends
•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.
Fee
Rs 499 + GST
Waiver at Rs 1.5L
Fuel
5% HPCL
Lounge
1/qtr after Rs 20K
previous month
Visa Business
HDFC BizPower
HDFC Bank
A business rewards card with 5X points on eligible taxes and operating expenses, milestone vouchers, airport access and Accor transfers.
Top perks
5X rewards
25 RP per Rs 200 on eligible business spends
Unlock
Rs 25K qualifying non-tax spend per statement cycle
Accor
2 HDFC points = 1 ALL point
Milestone
Rs 5K voucher at Rs 2.5L quarterly spend
Lounge
2 domestic/quarter + 6 international/year
•Earn 25 RP per Rs 200 on eligible 5X business categories after Rs 25,000 qualifying non-tax spend in the statement cycle.
•Transfer points to Accor at 2:1, earn a Rs 5,000 quarterly voucher at Rs 2.5L eligible spend, and access domestic and international lounges.
Fee
Rs 2,500 + GST
Waiver at Rs 4L
5X cap
7,500 RP/cycle
Best transfer
Accor 2:1
Mastercard World
HDFC Swiggy Ornge
HDFC Bank
An everyday cashback card for Swiggy, online shopping and dining, with a full year of Swiggy One and Mastercard golf benefits.
Top perks
Swiggy
5% cashback, capped at Rs 1,500 per billing cycle
Online
5% cashback on select online merchants and categories
•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.
Fee
Rs 1,000 + GST
Waiver at Rs 2L
Swiggy
10% cashback
Welcome
3-month BLCK
RuPay
Jupiter Edge+
CSB Bank
A lifetime-free RuPay UPI card earning flexible Jupiter Jewels on select shopping, Jupiter Flights and other eligible spends.
Top perks
Shopping
50% Jewels, worth up to 10% at the best redemption rate
Flights
25% Jewels on Jupiter Flights
Other spends
5% Jewels on other eligible spends
UPI
Rewards require transactions through Jupiter UPI
Fee
Lifetime free; Rs 0 joining fee for a limited period
•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.
