Compare credit cards from every major Indian bank. Filter by rewards, fees, and network. Ranked by real outcomes — not what pays us most.
8 Indian-context persona hubs no other comparison site has — from AI-tool subscriptions to UPI-RuPay to NRI cards. Each hub picks 5-8 cards optimised for that audience's actual spend pattern.
See which of our 114 cards likely approve for your profile — before applying.
Built on each card's published min-income + min-CIBIL + employment gates. Issuer's actual decision uses additional signals we can't see (existing relationship, recent inquiries) — treat the count as an upper bound.
HDFC Millennia first-year fee waived through May 15
Applies to new-to-HDFC applicants only. Second year fee (₹1,000) waived on ₹1 lakh annual spend.
Source: HDFC Bank release
RBI tightens UPI-credit-card linkage rules
Merchants can't charge MDR on UPI credit card transactions below ₹2,000 — affects cashback accrual on small-ticket spends.
Source: RBI circular DPSS.CO.PD.No.1234
SBI raises reward-point value on BPCL fills
BPCL co-branded card now 13X points on fuel (was 10X). Effective all purchases after 15 April 2026.
Axis Magnus devalued — lounge access capped at 4/year
Previously unlimited lounge visits. Existing card-holders grandfathered until renewal — new applicants capped immediately.
Source: Axis Bank T&Cs update
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Head to head
SBI Cashback vs Amazon Pay ICICI
Best no-fee cashback card for online spending
Head to head
HDFC Regalia vs Infinia
Premium travel card showdown — is 5x the fee worth it?
Head to head
Axis Ace vs HDFC Millennia
Best entry-level rewards card under ₹1,000
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Rewards vs Cashback Cards
Points or direct savings — which saves more?
Head to head
Travel vs Fuel Cards
Best card for frequent travelers vs daily commuters
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Lifetime Free vs Paid Cards
When the annual fee actually pays for itself
Editorial — read first
HDFC Infinia is Indias most exclusive credit card with 5X reward points, unlimited international lounge access
The Amex Platinum is Indias most prestigious card with unlimited international lounge access, Taj and Marriott
HDFC Diners Club Black is the ultimate rewards card with 5X reward points on dining, 2X on all other spends, u
Axis Magnus is a super-premium card with 35X EDGE rewards on partner brands, unlimited domestic + 8 internatio
ICICI Bank's ultra-premium invite-only card with unlimited Priority Pass lounge access worldwide, Club Marriot
Axis Atlas is Indias top travel credit card offering 5X EDGE Miles on international spends, 2X on domestic tra
HDFC Regalia Gold is one of Indias most popular premium cards offering 4X reward points on all spends, complim
SBI's flagship super-premium card with unlimited Priority Pass lounge access worldwide, 4x base reward rate, p
Editorial
Credit Cards · 28 May 2026
Amazon Pay ICICI vs a flat-cashback card for Amazon spends in 2026 — the real rates, the new wallet-load fee, and which actually wins for your basket.
Credit Cards · 27 May 2026
Both earn ~3.3% base. The real differences are network acceptance, lounge mix, fee/eligibility — and the 2026 reward caps. Here is which to hold.
Credit Cards · 26 May 2026
Most cards now earn nothing on rent, and platforms charge 1–2% + GST. Here is the real after-fee math, the few cards that still net positive, and when it is genuinely worth it.
Credit Cards · 26 May 2026
Your reward point is worth whatever your best redemption gives you. The honest ₹-per-point ranges for every major Indian issuer, the redemption that gets you to the top, and the traps that gut your points.
Credit Cards · 25 May 2026
Converted a credit card transaction to EMI and now want to undo it? You can foreclose (pay outright) any time but most banks charge 3% foreclosure + GST. Here's the bank-by-bank schedule.
By InvestingPro Credit Desk
Credit Cards · 25 May 2026
Auto-debit on credit card prevents late fees + CIBIL damage forever. Setup takes 5-10 min via NACH mandate or in-app. Bank-by-bank process for HDFC / ICICI / SBI / Axis / Kotak / IDFC FIRST.
By InvestingPro Credit Desk
Credit Cards · 25 May 2026
Billing cycle ≠ statement date ≠ due date. Confusing these costs Indians ₹1,000-5,000/year in interest. Here's the 3-date framework + how to use a 51-day interest-free period.
By InvestingPro Credit Desk
Credit Cards · 25 May 2026
Per RBI Master Direction 2022, no bank can increase your credit card limit without explicit written/digital consent. Here's what to do if HDFC/SBI/Axis raised your limit silently + how to roll it back.
By InvestingPro Credit Desk
Credit Cards · 24 May 2026
Salary slips are the default income proof, but they aren't the only path. Freelancers, business owners, students, NRIs and homemakers have 5 alternative routes to a credit card in 2026.
By InvestingPro Credit Desk
Upload your credit-card PDF / CSV. We'll categorise spends locally (zero data sent to us), then recommend the 2-card combo that'd return ₹X more / year on your actual spend pattern. Same Portfolio Optimiser math, but pre-filled with real numbers instead of estimates.
Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.
Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.
InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.