HDFC Infinia
HDFC Bank · Visa
3.3% base reward rate3.3% back on fuel
Est. rewards / yr₹34,034
Annual fee₹12,500
Lounge (dom/intl)∞ / ∞
HDFC Diners Club Black
HDFC Bank · Diners Club
3.3% base reward rate3.3% back on fuel
Est. rewards / yr₹34,034
Annual fee₹10,000
Lounge (dom/intl)∞ / ∞
Axis Magnus
Axis Bank · Mastercard
4.8% base reward rate
Est. rewards / yr₹36,804
Annual fee₹12,500
Lounge (dom/intl)∞ / 8
Axis Reserve
Axis Bank · Mastercard
4.8% base reward rate
Est. rewards / yr₹36,804
Annual fee₹50,000
Lounge (dom/intl)∞ / ∞
ICICI Emeralde Private Metal
ICICI Bank · American Express
3% base reward rate3% back on fuel
Est. rewards / yr₹34,175
Annual fee₹12,499
Lounge (dom/intl)∞ / ∞
HSBC Premier Metal
HSBC · Mastercard
3% base reward rate3% back on fuel
Est. rewards / yr₹28,167
Annual fee₹12,000
Lounge (dom/intl)6 / ∞
Standard Chartered Ultimate
Standard Chartered · Visa
3.3% base reward rate3.3% back on fuel
Est. rewards / yr₹19,800
Annual fee₹5,000
Lounge (dom/intl)4 / 4
YES Bank Marquee
Yes Bank · Visa
3% base reward rate3% back on fuel
Est. rewards / yr₹20,542
Annual fee₹9,999
Lounge (dom/intl)8 / 8
SBI Cashback Card
SBI Card · Visa
5% base reward rate
Est. rewards / yr₹21,435
Annual fee₹999
Lounge (dom/intl)0 / 0
RBL ShopRite
RBL Bank · Mastercard
5% back on fuel
Est. rewards / yr₹13,440
Annual fee₹500
Lounge (dom/intl)0 / 0
IDFC FIRST Power+
IDFC FIRST Bank · RuPay
5% back on fuel
Est. rewards / yr₹10,637
Annual feeLifetime free
Lounge (dom/intl)4 / 0
IndusInd Pinnacle
IndusInd Bank · Mastercard
Premium multi-network rewards & golf
Est. rewards / yr₹16,540
Annual fee₹14,999
Lounge (dom/intl)8 / 4
Kotak League Platinum
Kotak Mahindra Bank · Visa
4% back on fuel
Est. rewards / yr₹11,145
Annual fee₹499
Lounge (dom/intl)2 / 0
Axis Atlas
Axis Bank · Visa
Travel-first miles card with tier upgrades
Est. rewards / yr₹17,854
Annual fee₹5,000
Lounge (dom/intl)18 / 12
IDFC FIRST Wealth
IDFC FIRST Bank · Visa
3% back on fuel
Est. rewards / yr₹13,945
Annual feeLifetime free
Lounge (dom/intl)4 / 2
Federal Bank Scapia
Federal Bank · Visa
Lifetime-free, zero forex, 20% travel coins
Est. rewards / yr₹16,929
Annual feeLifetime free
Lounge (dom/intl)4 / 2
Kotak White Reserve
Kotak Mahindra Bank · Visa
Premium lifestyle & dining rewards
Est. rewards / yr₹16,621
Annual fee₹12,500
Lounge (dom/intl)8 / 8
10% cashback on dining, food & groceries
Est. rewards / yr₹21,963
Annual fee₹999
Lounge (dom/intl)4 / 0
AU Zenith+
AU Small Finance Bank · Visa
Metal card with accelerated rewards
Est. rewards / yr₹14,773
Annual fee₹4,999
Lounge (dom/intl)8 / 4
RBL World Safari
RBL Bank · Mastercard
Zero forex markup, travel-focused
Est. rewards / yr₹13,849
Annual fee₹3,000
Lounge (dom/intl)8 / 2
HSBC TravelOne
HSBC · Visa
Flexible travel transfers + lounge access
Est. rewards / yr₹13,232
Annual fee₹4,999
Lounge (dom/intl)6 / 4
5% on bills via Google Pay, 4% on food/cabs
Est. rewards / yr₹13,714
Annual fee₹499
Lounge (dom/intl)4 / 0
Amex SmartEarn
American Express · American Express
10X on Amazon/Flipkart/Uber, 5X online
Est. rewards / yr₹19,764
Annual fee₹495
Lounge (dom/intl)0 / 0
HDFC Tata Neu Infinity
HDFC Bank · RuPay
Up to 5% NeuCoins + RuPay UPI payments
Est. rewards / yr₹12,720
Annual fee₹1,499
Lounge (dom/intl)8 / 4
HDFC Regalia Gold
HDFC Bank · Visa
5X on Marks & Spencer, Reliance & Myntra
Est. rewards / yr₹14,308
Annual fee₹2,500
Lounge (dom/intl)12 / 6
ICICI Sapphiro
ICICI Bank · Visa
Dual Visa + Amex with lifestyle benefits
Est. rewards / yr₹11,453
Annual fee₹3,500
Lounge (dom/intl)8 / 4
SBI Card ELITE
SBI Card · Mastercard
Welcome voucher + free movie tickets
Est. rewards / yr₹11,453
Annual fee₹4,999
Lounge (dom/intl)8 / 6
Bundled lifestyle memberships
Est. rewards / yr₹11,696
Annual fee₹9,999
Lounge (dom/intl)8 / 6
Standard Chartered Smart
Standard Chartered · Visa
2% on online spends, EMI-friendly
Est. rewards / yr₹11,938
Annual fee₹499
Lounge (dom/intl)0 / 0
ICICI Amazon Pay
ICICI Bank · Visa
Lifetime free — 5% on Amazon for Prime members
Est. rewards / yr₹10,668
Annual feeLifetime free
Lounge (dom/intl)0 / 0
ICICI Coral
ICICI Bank · Mastercard
Entry premium — 2 PVR tickets/quarter
Est. rewards / yr₹10,221
Annual fee₹500
Lounge (dom/intl)4 / 0
YES Bank Prosperity Edge
Yes Bank · Mastercard
Movie & dining offers + fuel waiver
Est. rewards / yr₹10,221
Annual fee₹999
Lounge (dom/intl)2 / 0
IndusInd Legend
IndusInd Bank · Visa
Lifetime-free option — 2X weekend dining
Est. rewards / yr₹10,221
Annual feeLifetime free
Lounge (dom/intl)2 / 0
Amex Platinum Travel
American Express · American Express
Milestone Taj vouchers at ₹1.9L & ₹4L spend
Est. rewards / yr₹10,617
Annual fee₹5,000
Lounge (dom/intl)8 / 0
Axis Flipkart
Axis Bank · Mastercard
5% on Flipkart & Myntra, 4% on partners
Est. rewards / yr₹13,359
Annual fee₹500
Lounge (dom/intl)4 / 0
SBI SimplyCLICK
SBI Card · Visa
10X on Amazon, BookMyShow, Cleartrip & more
Est. rewards / yr₹15,589
Annual fee₹499
Lounge (dom/intl)0 / 0
IDFC FIRST Select
IDFC FIRST Bank · Visa
Lifetime free — 10X on incremental spends
Est. rewards / yr₹9,297
Annual feeLifetime free
Lounge (dom/intl)2 / 0
Amex Platinum Charge
American Express · American Express
Top-tier charge card with hotel elite status
Est. rewards / yr₹10,741
Annual fee₹66,000
Lounge (dom/intl)∞ / ∞
HDFC Swiggy
HDFC Bank · Mastercard
10% cashback on Swiggy, 5% on online spends
Est. rewards / yr₹12,932
Annual fee₹500
Lounge (dom/intl)0 / 0
HDFC Millennia
HDFC Bank · Mastercard
5% cashback on Amazon, Flipkart, Swiggy & 10 more
Est. rewards / yr₹10,621
Annual fee₹1,000
Lounge (dom/intl)0 / 0
Kotak 811 #DreamDifferent
Kotak Mahindra Bank · RuPay
Lifetime-free digital card for 811 holders
Est. rewards / yr₹7,155
Annual feeLifetime free
Lounge (dom/intl)1 / 0
Amex Membership Rewards
American Express · American Express
1000 bonus MR points on 4 txns/month
Est. rewards / yr₹7,078
Annual fee₹4,500
Lounge (dom/intl)0 / 0