Elevated travel privileges with unlimited lounge access.
A women-first card crafted for refined lifestyles.
Seamless cashback on every distinguished online purchase.
Earn Etihad Guest Premium Miles with exclusive travel privileges.
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Elevated travel privileges with unlimited lounge access.
A women-first card crafted for refined lifestyles.
Seamless cashback on every distinguished online purchase.
Earn Etihad Guest Premium Miles with exclusive travel privileges.
Choose a bank to explore the best credit cards and offers
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au Best Lifestyle & Everyday Reward Credit Cards
BOB Select Credit Card: 5X on online & dining (1% cashback, capped ₹200/month), ₹750/year waived at ₹70K, RuPay UPI variant, no lounge. 2026 review.
Kotak 811 Dream Different Credit Card: lifetime free, ₹10K FD, no income proof, 4X online rewards, RP never expire, 48-day interest-free cash withdrawal. 2026 review.
SBI SimplySAVE Credit Card: 10X rewards on dining, grocery, movies & stores (1.67%), ₹499/year waived at ₹1L, RuPay UPI, no lounge. 2026 review.
IDFC Millennia credit card: ₹0 annual fee, 10 RP/₹200 on dining, travel & international. No airport lounge, 4 railway lounge visits/quarter.
The AU Vetta credit card earns 10 Reward Points per ₹100 on utility bills and 4 RP/₹100 on grocery & departmental stores. ₹2,999 fee, waivable on ₹40,000 spend in 90 days.
IndusInd Legend: ₹5K joining (zero annual fee Year 2+), 1.8% forex, 2X weekend rewards, BMS Buy1Get1 × 3/month. Lounge discontinued March 2025.
IDFC FIRST Classic: lifetime free, 3X/10X rewards, railway lounge (₹20K/month), 20% dining off, ₹500 welcome voucher. Note: RP expire in 24 months.
ICICI Platinum Chip: lifetime free (₹0 fee), 2RP/₹100, 15% dining discount at 2,500+ restaurants, HPCL fuel waiver. Best zero-fee starter card in India?
Kotak Royale Signature: zero joining fee, 4X on dining+travel, 30K milestone RP at ₹8L, DreamFolks lounge (₹75K/quarter). June 2025 changes covered.
HSBC Visa Platinum review 2026: lifetime free, 20 air miles transfer partners, 6X Travel with Points, Times Prime, BOGO BookMyShow, Rs 250/quarter fuel cashback. No lounge. Card24.ai.
10X on Amazon/Flipkart/Swiggy/BigBasket, ₹2,000/year milestone vouchers, ₹500 fee waived ₹50K. May 2026 earn change covered. No lounge. Card24.ai.
RBL Shoprite Credit Card: India's best grocery credit card at ₹500/year. 5% value back on all grocery, 15 BookMyShow discounts/year, fuel waiver. Fee waived at ₹1.5L spend. Full 2026 review.
Federal Bank Imperio Credit Card is a lifetime free card with 3X rewards on grocery & healthcare, INOX BOGO offer, and free domestic lounges. Honest review at Card24.ai.
BOB Easy Credit Card review 2026: 5X movies + shopping, 10X SmartDeal hotels, fee waived at ₹6K/₹35K, UPI via RuPay. No lounge. Card24.ai verdict.
Kotak League Platinum review 2026: 8 RP on special categories, 8 free PVR tickets/year, ₹499 fee waived at ₹50K. No lounge. Card24.ai verdict.
Kotak Zen Signature review 2026: 10 ZP on shopping, 8 domestic + 3 Priority Pass lounge, milestone ₹7,125, ₹1,500 fee. Card24.ai verdict.
IDFC First Select Credit Card review 2026: lifetime free, 10X rewards, 1.99% forex, lounge access, ₹1Cr insurance. April & June 2026 changes explained. Card24.ai verdict.
HDFC Freedom Credit Card review 2026: 10X on BigBasket, Swiggy, Uber; ₹500 fee waived at ₹50K; no lounge access. May 2026 changes. Card24.ai verdict.
SBI Card Pulse review 2026: Noise ColorFit watch worth ₹7,999, FITPASS PRO, Netmeds, 8 lounges, ₹1,499 fee. India's best health credit card verdict.
India's only lifetime-free metal credit card — 5X rewards on your top 2 spend categories every month, 1% forex, and zero annual fees, ever.
5X rewards on travel, dining and international spends, one quarterly airport lounge visit, and ₹50 lakh accident insurance - at ₹1,000 a year.
Axis Bank My Zone Credit Card: ₹120 off Swiggy 2x/month, BOGO movies via District, free SonyLiv, ₹500/year or lifetime free. Lounge with ₹50K/quarter spend.
BOBCARD Tiara review: 5X rewards on dining, travel & international spends, unlimited lounge access, women's health package. Best women's credit card in India 2026? Card24.ai verdict.
Best Travel & Lounge Access Credit Cards
IndiGo Axis Bank credit card: ₹799/year, 3 BluChips/₹100 on IndiGo, 2 on dining & groceries, quarterly lounge access. Full 2026 review with pros & cons.
RBL World Safari Credit Card review: 0% forex markup, 5X travel rewards, lounge access & fees. Full 2026 breakdown before you apply.
HDFC Marriott Bonvoy: ₹3,000/year, Free Night Award on joining + every renewal, 8 pts/₹150 at Marriott, Silver Elite Status, 10 Elite Night Credits, 24 lounge visits/year.
Scapia: 0% forex, lifetime free, 20% travel rewards on Scapia app, unlimited domestic lounge (₹20K/month, raised Feb 2026). Dual Visa + RuPay.
IDFC FIRST WOW Credit Card: zero joining fee, zero forex markup, 4X rewards on online/offline/intl spends. FD-backed, no income proof. Full 2026 review.
IndusInd Avios Visa Infinite review 2026: 20,000 welcome Avios, 6 Avios/₹200, 16 lounge visits, meet-and-greet, BA+QR dual program.
India's best flexible airmiles card- 1:1 transfer to 20 partners, 4X on OTAs, 10 lounge visits, and 4 chauffeur airport transfers at ₹4,999/year.
HDFC Infinia Credit Card: invite-only metal, 3.3% base rewards, 10X SmartBuy flights, unlimited Priority Pass lounge (primary + add-on). ₹12,500/year. 2026 review.
BOBCARD Etihad Guest Premium review: 0% forex, Etihad Gold tier fast-track, metal card, 12+8 lounge visits. Best Etihad credit card India 2026? Card24.ai verdict.
BOBCARD Etihad Guest review: earn Etihad miles on every spend, 8+4 lounge visits, Silver tier on first use. ₹2,500 annual fee. Best Etihad card India 2026? Card24.ai verdict.
Best Premium Credit Cards in India
HSBC Taj Credit Card: ₹1,10,000/year, 3 hotel nights, Taj Platinum NeuPass, Chambers Lounge 12x, unlimited lounge, 0% forex, 25% off Taj. 2026 review.
Axis Bank Magnus Credit Card: 5:4 miles transfer, 24% on Travel EDGE, unlimited lounge (primary+add-on), 2% forex, ₹30K fee, LTF for salary accounts.
RBL Bank Icon Credit Card: ₹5,000/year, 20X on international + weekend dining (5%), BOGO movies 2x/month, 12 golf lessons, 8 domestic lounges, 2026 Review.
JP Morgan Reserve Card: invitation-only for $10M+ JPMorgan Private Bank clients. Palladium+gold card, United Club, Priority Pass, 10X Chase UR, 2026 Review.
Standard Chartered Ultimate Credit Card: ₹5,000/year, 3.33% flat rewards (1 RP = ₹1), 16 domestic lounges, Priority Pass, 12 golf rounds, 5% duty-free, 2% forex.
IDFC First Private credit card: invite-only, ₹50,000 joining fee, unlimited lounge & golf access, zero forex markup.
YES Bank Marquee Credit Card: ₹9,999 joining, 4.5% online rewards, unlimited international lounge (primary + add-on), 1% forex, 40K welcome points.
IDFC First Mayura credit card: ₹5,999/year (no waiver), 0% forex markup, 16 domestic + 16 international lounge visits/year, golf privileges.
Times Black ICICI Bank Credit Card: ₹20K/year, unlimited lounge (primary + add-on), 1.49% forex, milestone rewards up to ₹70K, Zomato Gold, CribLife. 2026 review.
Kotak White Credit Card: ₹3,000/year, White Pass up to ₹27K/year, Priority Pass (4 international lounges), 8 domestic visits, fee waived at ₹5L spend.
AU Bank Zenith credit card: ₹7,999/year, 5 RP/₹100 on dining, grocery & international spends. Priority Pass lounge access. Fee waived at ₹5L spend. 2026 review.
HDFC BizBlack: ₹10,000/year on Diners Club, 5X on GST/tax/travel/SaaS (≥₹50K/month), unlimited lounge, 24 golf rounds/year.
ICICI Emeralde: unlimited lounge (domestic+intl) for all cardholders, 4 golf rounds/month, ₹750 BMS × 4, 2% forex, ₹12K cancellation cover.
Axis Signature Credit Card: 10 EDGE/₹200, 2X birthday, Priority Pass (visits chargeable), 50% BMS cashback, IndiGo milestone voucher - ₹3,000 fee, waived at ₹3L.
Axis Reserve Credit Card: unlimited lounge access for all cardholders, 1.5% forex, 50 golf rounds, Club ITC Culinaire + Accorplus + Club Marriott.
IndusInd Pinnacle Card: ₹14,999 joining fee, no renewal fee, quarterly lounge access, monthly golf, 2.5X online rewards. Full 2026 review & eligibility.
Amex Centurion Black Card India: ₹7L joining, 6MR/₹200 incl. fuel, 1,550+ lounges, dedicated RM, IAP on 20+ airlines, golf at 80+ courses. Full 2026 review.
HDFC Diners Privilege review 2026: 5X on Swiggy/Zomato, BOGO BookMyShow, ₹1,500 quarterly vouchers, lounge access, and ₹1K renewal waiver at ₹3L spend.
YES Private Prime is an invite-only HNI card with 0.5% forex, unlimited lounge access, 12 golf rounds, and ₹1 crore insurance.
Lifetime-free travel card with low forex fees and lounge access.
IndusInd Tiger Credit Card review 2026: lifetime free, 8 domestic + 2 international lounges (no spend condition), 1.5% forex, Maharaja Club transfers.
IDFC First Wealth Credit Card review 2026: lifetime free Visa Infinite metal, international lounge, 1.5% forex, golf. April & June 2026 changes. Card24.ai verdict.
Axis Bank Privilege Credit Card review 2026: ₹2,500 welcome RP, 8 lounge visits, BOGO movies, 1% flat rewards, ₹1,500 fee. Card24.ai verdict.
ICICI Rubyx Credit Card review 2026: dual airport + railway lounge access, ₹5,000+ welcome vouchers, golf benefits, 4X international. Card24.ai verdict.
Axis Magnus Credit Card review 2026: devaluations explained, 35 RP/₹200 high spends, unlimited lounge, 2% forex. Honest Card24.ai verdict.
SBI Prime Credit Card review 2026: 10X on dining + movies, 8 domestic lounges, ₹11K milestone vouchers, ₹2,999 fee. Vistara membership discontinued. Card24.ai verdict.
Up to 12 international Priority Pass lounge visits, 2X on offline retail, BigBasket and Swiggy discounts, and 12 golf rounds — at ₹3,000/year.
India's most popular entry-level lifestyle card — reward points on every spend, BOGO movie tickets, lounge access, and dining discounts at just ₹500/year.
HSBC Premier Credit Card review 2026: 0.99% forex, unlimited lounge, 20 transfer partners. Benefits, fees and Card24.ai verdict.
SBI Elite Credit Card review 2026: 8 lounges, ₹6K movies/year, 5X dining rewards, 1.99% forex. Benefits, fees and Card24.ai verdict.
HDFC Regalia Gold Credit Card review: 1.25% rewards on everything, Priority Pass lounges, ₹10,000 flight vouchers, Swiggy One & MMT Black Gold — ₹2,500/year.
ICICI Sapphiro Credit Card: ₹9,500+ welcome vouchers, 16 domestic lounges, 4X on international, BOGO movies. ₹3,500/year waived at ₹6L. 2026 review.
BOBCARD Eterna (formerly bob eterna credit card): 5X rewards on dining, travel & international, unlimited domestic lounge (89+ airports), 2% forex, LTF offer active. Full 2026 review.
Best Cashback & Shopping Credit Cards
AU Kosmo credit card (Kiwi): ₹0 fee for life, 1.5% cashback on UPI Scan & Pay, RuPay network. Apply via the Kiwi app - full 2026 review.
Titan SBI credit card: ₹2,999/year (waived at ₹3L spend), up to 7.5% cashback on Tanishq, CaratLane & Titan brands, 12 lounge visits/year.
Flipkart SBI credit card: ₹500/year (waived at ₹3.5L spend), 5% cashback on Flipkart, 7.5% on Myntra, unlimited 1% elsewhere.
AU Bank LIT credit card: ₹0 base fee, pay-per-feature lounge access, cashback & rewards baskets from ₹49/90 days. Honest 2026 review of the fine print.
SBI SimplyCLICK Credit Card: ₹499/year, 10X RP on Swiggy/Myntra/BookMyShow, 5X all online, ₹500 Amazon welcome, ₹4K milestones, fee waived at ₹1L.
PVR INOX Kotak Credit Card: ₹0 joining, ₹499/year. 1 free movie ticket per ₹10,000 spend (unlimited), 5% off tickets, 20% off F&B, cinema lounge. Full 2026 review.
HSBC Cashback Card (now Live+): 10% on dining+groceries+food delivery (₹1K cap), 1.5% unlimited, 4 free domestic lounges, ₹999 fee waived at ₹2L.
Amex SmartEarn: 10X on Zomato, Flipkart & Myntra; 5X on Amazon; ₹500 welcome cashback; fee waived at ₹40K spend. Full 2026 review at Card24.ai.
Axis ACE review 2026: 5% Google Pay utility cashback (Android), 4% Swiggy/Zomato/Ola (Rs 500 cap), uncapped 1.5% base, 4 domestic lounges, Rs 499 fee. Card24.ai.
Standard Chartered Smart Card review 2026: 2% cashback all online (includes utilities, no merchant restriction), 1% offline, ₹499 fee waived ₹1.2L. No lounge.
OneCard Lite FD-secured credit card review 2026: metal card, 5X rewards, 1% forex, ₹0 fee, 110% credit limit. Best for credit building. Card24.ai verdict.
Axis Bank Flipkart Credit Card review 2026: 7.5% Myntra, 5% Flipkart, 4% Swiggy/Uber, no lounge. June 2025 changes explained. Card24.ai verdict.
10% cashback on every Swiggy order, 5% on online shopping, and a complimentary 3-month Swiggy One membership — all for just ₹500 a year.
Amazon Pay ICICI Credit Card: lifetime free, 5% on Amazon (Prime), 2% utility bills via Amazon app, 1.99% forex. India's most-held co-brand. 2026 review.
SBI Cashback Credit Card: 5% all online (no merchant limit), 1% offline, auto-credited monthly. ₹999/year waived at ₹2L. 2026 review.
HDFC Millennia Credit Card: 5% cashback on Amazon, Flipkart, Swiggy, Zomato + 7 partners. ₹1,000/year waived at ₹1L, quarterly lounge voucher. 2026 review.
Axis Bank Neo Credit Card: lifetime free, ₹120 off Zomato 2x/month, 10% off Blinkit, ₹150 Myntra, RuPay UPI. No annual fee. Apply online. 2026 review.
Airtel Axis Bank Credit Card review 2026: Earn 25% cashback on Airtel recharges, 10% on utility bills, ₹500 annual fee. Post-April 2026 changes explained.
Snapdeal BOBCARD review: 5% unlimited cashback on Snapdeal, 2.5% online shopping, ₹249/year. Is it worth it in 2026? Benefits, charges, eligibility. Card24.ai verdict.
BOBCARD Cashback review: 5% cashback on online spends, auto-credited monthly, ₹499/year fee. No redemption hassles. Is it better than SBI Cashback? Card24.ai verdict 2026.
Best Fuel Saving Credit Cards
ICICI HPCL Coral Credit Card: 3.5% on HPCL fuel (2.5% RP+1% waiver), 2 RP/₹100 retail, ₹199/year waived at ₹50K, no lounge. BookMyShow 25% off. 2026 review.
ICICI HPCL Super Saver Credit Card: 5% on HPCL fuel (4% cashback + 1% waiver), 5% on grocery & utility, 1 lounge/quarter, roadside assistance, ₹500/year. 2026 review.
IndianOil HDFC Bank Credit Card: ₹500/year, 5% Fuel Points on IOCL, grocery and utility, up to 50L free fuel, surcharge waiver, fee waived at ₹50K, RuPay UPI. 2026 review.
Axis Bank IndianOil Premium credit card: ₹500/year, 5 EDGE RP/₹100 on IOCL fuel + ₹200/month surcharge waiver = ~4% back. Fee waived at ₹50K spend. RuPay + UPI. IndianOil co-brand.
BPCL SBI Card Octane review 2026: 7.25% BPCL fuel value-back (25X RP + 1% waiver), 10X grocery/dining/movies, 4 domestic lounges, Rs 1,499 fee waived Rs 2L.
