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Credit Cards Directory
India's transparent, independent credit card discovery directory. Covering all major card issuers — State Bank of India (SBI Cards), HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra, IDFC FIRST, IndusInd, Federal Bank, Standard Chartered, AU Small Finance Bank, and RuPay (NPCI). We publish the full fine-print from official Most Important Terms and Conditions (MITC): late payment penalties, revolving cash advance interest, forex markups, and realistic spend-waiver criteria.
Lounge Access2 complimentary domestic railway lounge visits per calendar quarter.
Reward: 2% cashback on grocery, departmental stores, and utility bill spends (capped at ₹50 per statement cycle per merchant category). 1% cashback on all other retail transactions (capped at ₹50 per cycle).
Welcome: Amazon gift voucher worth ₹250 or fee reversal on spending ₹10,000 within 60 days of card issuance.
Fee Waiver: Spend ₹40,000 or more in each preceding anniversary year to get the annual renewal fee of ₹199 waived.
Lounge Access2 complimentary domestic railway lounge visits per calendar quarter across India.
Reward: 1.5% cashback on all offline merchant POS retail purchases. 2X Reward Points (2 points per ₹100 spent) on all online shopping transactions. 1 Reward Point per ₹100 on other retail spends.
Welcome: Amazon gift voucher worth ₹500 upon spending ₹10,000 within 60 days of card issuance.
Fee Waiver: Spend ₹80,000 or more in each preceding anniversary year to get the annual renewal fee of ₹499 waived.
SBI Card•Visa•एयू स्मॉल फाइनेंस बैंक एलआईटी (LIT) क्रेडिट कार्ड
India's first customizable credit card allowing users to toggle cashback, lounge access, and rewards on/off dynamically via app for 90 days.
Joining / Annual FeeLifetime Free Base Card (Custom Feature Add-Ons on AU0101 app)
Lounge AccessOptional add-on: Activate up to 4 complimentary domestic airport lounge visits per 90-day period on-demand via the AU0101 app for a nominal fee.
Reward: Customizable features: Toggle on 5% or 2% cashback on travel, dining, or grocery for 90 days. Toggle on 10X or 5X reward points on online/POS spends. Base card earns 1 Reward Point per ₹100 on retail transactions.
Welcome: Zero joining fee, zero annual maintenance fee, and the freedom to build your own credit card features dynamically in the AU0101 app.
Fee Waiver: Base card is unconditionally Lifetime Free (LTF); individual feature add-on packs (e.g. 5% cashback, lounge access, OTT packs) are purchased dynamically on the AU0101 app for 90-day periods.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary domestic railway lounge visits per calendar quarter.
Reward: 4 Reward Points per ₹100 spent on grocery, departmental stores, and dining checkouts. 2 Reward Points per ₹100 on all other retail transactions. 1 Reward Point per ₹100 on utilities.
Welcome: Shopping voucher worth ₹2,000 from top retail brands upon spending ₹30,000 within 60 days of card issuance.
Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,999 waived.
Lounge Access16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 8 complimentary international airport lounge visits per calendar year via Priority Pass. 8 railway lounge visits per year.
Reward: 10 Reward Points per ₹100 spent on dining and international transactions (effective 2.50% return). 4 Reward Points per ₹100 on grocery, departmental stores, and travel. 2 Reward Points per ₹100 on other retail spends.
Welcome: 10,000 bonus Reward Points (worth ₹2,500) or luxury hotel/dining voucher credited upon fee payment and spending ₹1 Lakh in 60 days.
Fee Waiver: Spend ₹5,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹7,999 waived.
Co-branded Air India credit card offering 5,000 welcome points, 1:1 Maharaja points conversion, 8 domestic lounge visits, and 5X points on Air India tickets.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter).
Reward: 5 Reward Points per ₹100 spent on Air India tickets booked via airindia.com, Air India mobile app, or booking offices. 2 Reward Points per ₹100 on other retail spends.
Welcome: 5,000 bonus Reward Points (worth 5,000 Air India Maharaja Flying Returns points) upon payment of joining fee.
Fee Waiver: No spend-based waiver; compensated with 2,000 bonus Air India Reward Points as an annual renewal anniversary gift.
Super-premium aviation card offering 20,000 welcome Maharaja points, 30 points per ₹100 on Air India flights, and up to 1,00,000 annual milestone bonus points.
Lounge Access8 complimentary domestic airport lounge visits per year (max 2 visits per quarter). Complimentary Priority Pass membership with access to 1,000+ international airport lounges.
Reward: 30 Reward Points per ₹100 spent on Air India tickets booked via airindia.com or Air India mobile app. 4 Reward Points per ₹100 on all other retail transactions.
Welcome: 20,000 bonus Reward Points (convertible to 20,000 Air India Maharaja Points) upon payment of joining fee.
Fee Waiver: No spend-based waiver; compensated with 5,000 bonus Air India Reward Points credited as an annual anniversary gift.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) upon spending ₹50,000 in preceding quarter.
Reward: 25% Cashback on Airtel mobile recharges, Airtel broadband, and Airtel DTH bill payments via Airtel Thanks app (capped at ₹250 per month). 10% Cashback on utility bill payments (electricity, gas, water) via Airtel Thanks app (capped at ₹250 per month). 10% Cashback on Swiggy, Zomato, and BigBasket (capped at ₹500 per month). 1% unlimited cashback on all other retail transactions.
Welcome: Amazon gift voucher worth ₹500 credited upon completing first transaction within 30 days of card issuance.
Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessNo complimentary airport lounge access is included on this lifetime-free co-branded card.
Reward: 5% unlimited cashback for Amazon Prime members on all Amazon.in purchases. 3% unlimited cashback for non-Prime members on Amazon.in. 2% unlimited cashback on 100+ Amazon Pay partner merchants (flight bookings, hotel reservations, electricity/water bill payments, mobile recharges, Swiggy, BookMyShow, Zomato). 1% unlimited cashback on all other domestic and international retail spends.
Welcome: Amazon Pay balance cashback gift card worth up to ₹2,500 (plus 3 months of Amazon Prime membership for non-Prime applicants) upon card approval and first transaction.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual renewal spends required.
Reward: 3X Reward Points (3 points per ₹100 spent) on all Apollo services (Apollo Hospitals, Apollo Pharmacy, Apollo 24|7 app). 2X Reward Points per ₹100 on Dining, Movies, and Entertainment. 1 Reward Point per ₹100 on Beauty & Wellness. 1 Reward Point per ₹200 on other retail.
Welcome: 500 bonus Reward Points (worth ₹500) upon payment of joining fee + complimentary OneApollo Gold Tier Membership.
Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.
Premium healthcare credit card offering OneApollo Platinum tier, up to 10% value back on Apollo healthcare, 4 domestic lounge visits, and annual health checkup.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).
Reward: Up to 10% value back (Reward Points) on Apollo services, consultations, and Apollo 24|7 orders. 3 Reward Points per ₹100 on dining and entertainment. 1 Reward Point per ₹100 on other retail.
Welcome: 1,500 bonus Reward Points (worth ₹1,500) upon payment of joining fee + complimentary OneApollo Platinum Tier Membership.
Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) at participating domestic airport lounges across India.
Reward: 5% Cashback on utility bill payments (electricity, gas, water), DTH recharges, and mobile recharges completed via Google Pay (capped at ₹500 cashback per calendar month). 4% unlimited cashback on Swiggy, Zomato, and Ola. 1.5% unlimited cashback on all other retail transactions (both online and offline).
Welcome: Zero joining fee or cashback reversal upon spending ₹10,000 within the first 45 days of card issuance.
Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹499 waived.
Reward: 5 EDGE Miles per ₹100 spent directly on airline websites and hotel bookings (up to ₹2 Lakhs per month). 2 EDGE Miles per ₹100 on all other regular retail purchases.
Welcome: 5,000 bonus EDGE Miles credited upon completing first transaction within 30 days of card issuance (worth ₹5,000 on flight bookings or up to 10,000 airline partner miles).
Fee Waiver: No fee waiver; annual renewal fee payment of ₹5,000 awards 2,500 to 10,000 bonus EDGE Miles based on qualifying tier status.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). 4 complimentary international airport lounge visits per year via Priority Pass.
Reward: 5 EDGE Miles per ₹100 spent on airline ticket bookings. 2 EDGE Miles per ₹100 on other retail transactions.
Welcome: 5,000 EDGE Miles credited upon completing first transaction within 30 days of card issuance.
Fee Waiver: Spend ₹5,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹3,000 waived.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹50,000 in preceding quarter.
Reward: 4 EDGE Reward Points per ₹200 spent on all retail transactions. Flat ₹120 off on Swiggy on minimum spend of ₹500 (twice a month using coupon code AXISMYZONE).
Welcome: Complimentary SonyLIV Premium annual subscription voucher credited upon completing first transaction within 30 days of card issuance.
Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessUnlimited complimentary domestic airport lounge access for primary cardholders + 8 complimentary guest visits per calendar year. Unlimited complimentary international airport lounge access worldwide via Priority Pass with 8 complimentary guest visits per year.
Reward: 12 EDGE Reward Points per ₹200 spent on regular retail transactions. 35 EDGE Reward Points per ₹200 spent on airline and hotel bookings via Axis Travel EDGE portal (effective 5X reward rate).
Welcome: Complimentary domestic flight ticket voucher worth up to ₹10,000 (or luxury hotel stay voucher) credited upon payment of joining fee and first card swipe.
Fee Waiver: Spend ₹25,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹12,500 waived.
Lounge AccessNo complimentary airport lounge access is included on this entry card.
Reward: 10% off on Blinkit grocery deliveries on minimum spend of ₹750 (up to ₹250 per month). 10% off on BookMyShow movie tickets up to ₹100 per month. 10% off on Myntra on minimum purchase of ₹500. 1 EDGE Reward Point per ₹200 on all other retail transactions.
Welcome: Amazon gift voucher worth ₹250 upon card activation and first retail transaction within 30 days.
Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹400 waived.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) upon spending ₹50,000 in preceding quarter.
Reward: 20 EDGE Reward Points per ₹125 spent on apparel and department stores (effective 3.2% reward rate). 2 EDGE Reward Points per ₹125 on all other regular retail purchases.
Welcome: 5,000 EDGE Reward Points (worth ₹1,000) credited upon spending ₹1,000 within 30 days of card issuance.
Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,000 waived.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 6 complimentary international lounge visits per calendar year via Priority Pass with spend qualification.
Reward: 10 EDGE Reward Points per ₹200 spent on regular retail purchases. 2X Reward Points (20 EDGE points per ₹200) on retail grocery and supermarket spending (capped at 1,000 points per month).
Welcome: Amazon gift voucher worth ₹2,000 upon completing first retail transaction within 30 days of card issuance.
Fee Waiver: Spend ₹6,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹3,000 waived.
Reward: 13X Reward Points (3.25% value back) on fuel purchases at BPCL petrol pumps. 5X Reward Points on Groceries, Departmental Stores, Movies, and Dining. 1 Reward Point per ₹100 on other retail.
Welcome: 2,000 bonus Reward Points (worth ₹500) credited upon payment of the joining fee.
Fee Waiver: Spend ₹50,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.
Supercharged fuel credit card delivering 7.25% value back (25X reward points) at BPCL petrol pumps, 4 domestic lounge visits per year, and ₹1,500 welcome points.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (maximum 1 visit per quarter).
Reward: 25 Reward Points per ₹100 spent (6.25% value back) on BPCL Fuel, Lubricants, and Bharat Gas (website/app). 10 Reward Points per ₹100 on Groceries, Departmental Stores, Movies, and Dining. 1 Reward Point per ₹100 on other retail.
Welcome: 6,000 bonus Reward Points (worth ₹1,500) credited upon payment of the annual joining fee.
Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.
Lounge AccessNo complimentary airport lounge access included with this pure cashback product.
Reward: 5% Cashback on all online spends without merchant restrictions (capped at ₹5,000 cashback per billing cycle). 1% Cashback on all offline retail spends.
Welcome: Zero joining fee offers often available digitally; direct 5% cashback auto-credited to statement from month 1 without merchant partner restrictions.
Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹999 reversed.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at participating domestic lounges. 4 complimentary domestic railway lounge visits per quarter.
Reward: 6 CV Points per ₹200 spent on regular retail spends up to ₹1 Lakh per month. 4 CV Points per ₹200 on spends above ₹1 Lakh. 1 CV Point per ₹200 on utility, insurance, and fuel spends.
Welcome: 1 complimentary Premium Economy domestic flight ticket voucher on Air India/Vistara, plus complimentary Club Vistara Silver Tier membership and 1 Class Upgrade voucher.
Fee Waiver: No spend-based waiver; each annual fee payment of ₹4,999 awards 1 complimentary Premium Economy flight ticket voucher and renewal CV points.
Lounge Access16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 16 complimentary international lounge visits per calendar year via Priority Pass with guest access privileges.
Reward: 8 CV Points per ₹200 on airline and hotel spends. 6 CV Points per ₹200 on other retail purchases. 1 CV Point per ₹200 on utility and insurance spends.
Welcome: 1 complimentary Business Class domestic flight ticket voucher on Air India/Vistara, luxury gift voucher worth ₹25,000 (Oberoi Hotels / Luxe Gift Card), plus complimentary Club Vistara Gold Tier membership status.
Fee Waiver: Spend ₹10,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹10,000 waived.
Co-branded aviation credit card offering free domestic Premium Economy ticket on joining and renewal, Club Vistara Silver tier, and up to 4 milestone flight tickets.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.
Reward: 4 Club Vistara (CV) Points per ₹200 spent on all eligible retail categories. Accelerated CV points on direct airline bookings.
Welcome: 1 Complimentary One-Way Domestic Premium Economy flight ticket voucher upon payment of joining fee + 1 Complimentary Club Vistara Silver Tier Membership.
Fee Waiver: Spend-based fee waiver not applicable; compensated via annual renewal complimentary Domestic Premium Economy flight ticket voucher.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) at participating lounges in India.
Reward: Guaranteed extra 25% discount (up to ₹1,000 per transaction) on dining bills paid via PayEazy on the EazyDiner app (can be combined with restaurant discounts for up to 50% total savings). 10 Reward Points per ₹100 spent on dining, shopping, and entertainment. 4 Reward Points per ₹100 on other retail.
Welcome: Complimentary 1-year EazyDiner Prime membership (worth ₹2,950) + 2,000 EazyPoints + ₹1,000 Postcard Hotel voucher credited upon card activation.
Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,999 waived.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international lounge visits per calendar year via Priority Pass / DreamFolks.
Reward: 3X Reward Points on international spends. 2X Reward Points on travel and dining. 1 Reward Point per ₹100 on other retail transactions.
Welcome: Amazon gift voucher or luxury hospitality voucher worth ₹3,000 upon payment of joining fee and first card transaction.
Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹3,000 waived.
Lounge AccessUnlimited complimentary domestic airport lounge access across India upon spending ₹5,000 or more in the preceding billing cycle (one of India's easiest lounge access qualifications).
Reward: 20% Scapia Coins on all domestic and international travel bookings (flights and hotels) made through the Scapia mobile application. 10% Scapia Coins on all other eligible domestic and international retail spends (5 Scapia Coins per ₹100 spent, where 5 coins = ₹1).
Welcome: Zero joining fee, instant digital card activation, and ZERO FOREX MARKUP (0.00%) on all international transactions.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual renewal fees.
Lounge AccessNo complimentary airport lounge access is included on this retail shopping card.
Reward: 5% unlimited cashback on Flipkart and Cleartrip. 4% unlimited cashback on preferred merchant partners (Cult.fit, PVR Inox, Swiggy, Uber). 1.5% unlimited cashback on all other retail transactions (both online and offline).
Welcome: Flipkart shopping voucher worth ₹500 credited upon card activation and first retail transaction within 30 days.
Fee Waiver: Spend ₹3,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessNo complimentary airport lounge access on this base 6E variant (available on 6E Rewards XL variant).
Reward: 2.5% 6E Rewards on IndiGo ticket and add-on bookings via goindigo.in. 2% 6E Rewards on dining, grocery, and entertainment. 1% 6E Rewards on all other retail transactions.
Welcome: 1 complimentary IndiGo domestic flight ticket voucher worth ₹1,500 on making 3 transactions in the first 30 days, plus 1 complimentary 6E Prime add-on pack (choice of seat, meal, and baggage tag).
Fee Waiver: No automatic fee waiver; renewal fee payment of ₹700 generates 1 complimentary 6E Rewards flight voucher on IndiGo.
Lounge AccessNo complimentary airport lounge access is included on this tier 2/3 mass-market card.
Reward: 5% Cashback on IRCTC train ticket bookings, fuel refills at all petrol pumps, bill utility payments via PayZapp, and grocery purchases (each category capped at ₹150 cashback per month).
Welcome: 500 CashPoints credited upon payment of joining fee and first retail purchase within 30 days of card issuance.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessNo complimentary airport lounge access is included on this starter commercial card.
Reward: 4X Reward Points on online business spending, digital marketing, utility bills, and commercial purchases. 2 Reward Points per ₹150 on other retail business spends.
Welcome: 500 Reward Points credited upon payment of joining fee and first business transaction within 30 days.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
SME and corporate commercial credit card providing high credit limits, tax payment rewards, 12 domestic & 6 international lounge visits, and 2.0% forex markup.
Lounge Access12 complimentary domestic airport lounge visits per calendar year across India. 6 complimentary international lounge visits per calendar year via Priority Pass.
Reward: 4 Reward Points per ₹150 spent on regular business retail purchases. 5X Reward Points on tax payments, commercial vendor payments, flight bookings, and hotel stays via SmartBuy.
Welcome: 2,500 Reward Points credited upon realization of joining fee and first business spend.
Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,500 waived.
SBI Card•Diners Club / Discover•एचडीएफसी डाइनर्स क्लब ब्लैक क्रेडिट कार्ड (मेटल एडिशन)
Super-premium lifestyle metal card with unlimited domestic & global Diners Club lounge visits, 1:1 air miles transfer, and up to 33.3% SmartBuy rewards.
Lounge AccessUnlimited complimentary domestic and international airport lounge access worldwide for primary and add-on cardholders across 1,300+ Diners Club lounges.
Reward: 5 Reward Points per ₹150 spent on all retail transactions (base 3.33% reward rate). Up to 10X Reward Points (up to 33.3% effective return) on hotel and flight bookings through SmartBuy (capped at 7,500 bonus points per month).
Welcome: 10,000 Reward Points credited upon fee realization, plus complimentary annual memberships to Club Marriott, Swiggy One, Amazon Prime, and MMTBLACK upon spending ₹1.5 Lakhs in 90 days.
Fee Waiver: Spend ₹8,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹10,000 waived.
Lounge Access4 complimentary domestic and international airport lounge visits per calendar year via the Diners Club global lounge directory.
Reward: 4 ClubMiles per ₹150 spent on all retail transactions. Accelerated ClubMiles on airline ticket bookings made through the dedicated Diners Club portal.
Welcome: 1,000 ClubMiles credited upon payment of the annual joining fee.
Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,000 waived.
Lounge Access2 complimentary domestic and international airport lounge visits per calendar quarter worldwide via Diners Club network (up to 8 complimentary lounge visits annually).
Reward: 4 Reward Points per ₹150 spent on regular retail purchases. Up to 5X Reward Points (up to 13.3% return) on SmartBuy flight and hotel bookings.
Welcome: Complimentary annual memberships to Amazon Prime, Swiggy One, and Times Prime on spending ₹75,000 within the first 90 days of card issuance.
Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,500 waived.
Reward: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, and Uber (capped at 2,500 CashPoints per calendar month). 1 CashPoint per ₹150 on all other retail spends.
Welcome: 500 CashPoints credited upon payment of joining fee and card activation.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessNo complimentary airport lounge access is included on this entry-level fuel card.
Reward: 5% of spends as Fuel Points at IndianOil petrol pumps (up to 250 Fuel Points per month for first 6 months, 150 FP/month thereafter). 5% Fuel Points on grocery and bill payments (up to 100 FP/month per category). 1 Fuel Point per ₹150 on all other retail transactions.
Welcome: Complimentary 250 Fuel Points credited upon payment of joining fee and card activation.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessUnlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders with unlimited guest access privileges.
Reward: 5 Reward Points per ₹150 spent on all retail transactions (base 3.33% reward rate). Up to 5X Reward Points (33.3% effective return) on flights, hotels, and partner vouchers booked via HDFC SmartBuy portal (capped at 10,000 bonus points per month).
Welcome: 12,500 Reward Points (worth up to ₹12,500) credited upon fee realization and card activation, plus complimentary Club Marriott membership for 1 year.
Fee Waiver: Spend ₹10,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹12,500 waived.
Hospitality credit card providing 1 Free Night Award every year at Marriott hotels, 12 domestic & 12 international lounge visits, and 10 Elite Night Credits.
Lounge Access12 complimentary domestic airport lounge visits per calendar year (applicable at both domestic and international terminals within India). 12 complimentary international lounge visits per calendar year via Diners Club global lounge directory.
Reward: 8 Marriott Bonvoy points per ₹150 spent at participating Marriott Bonvoy hotels. 4 Marriott Bonvoy points per ₹150 on travel, dining, and entertainment. 2 Marriott Bonvoy points per ₹150 on all other retail transactions.
Welcome: 1 Free Night Award (worth up to 15,000 Marriott Bonvoy points) valid at participating Marriott hotels worldwide, plus complimentary Marriott Bonvoy Silver Elite status and 10 Elite Night Credits.
Fee Waiver: No spend-based waiver; each renewal fee payment of ₹3,000 earns 1 complimentary Free Night Award (up to 15,000 points) at participating Marriott Bonvoy hotels worldwide.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹1,00,000 or more in the preceding calendar quarter (quarterly spend qualification criteria).
Reward: 5% Cashback (CashPoints) on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato (capped at ₹1,000 per calendar month). 1% Cashback on all other retail transactions (capped at ₹1,000 per calendar month).
Welcome: 1,000 CashPoints (equivalent to ₹1,000 statement credit when redeemed against card outstanding) credited upon payment of the joining fee.
Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the renewal fee of ₹1,000 reversed.
Lounge AccessNo complimentary airport lounge access is included on this starter rewards card.
Reward: 10X CashPoints (10 CashPoints per ₹150) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy (max 2,500 CP per month). 2 CashPoints per ₹150 spent on all other retail purchases.
Welcome: 500 CashPoints credited to cardholder account upon payment of the joining fee.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessNo complimentary airport lounge access is included on this digital-first card.
Reward: Customizable rewards: Choose your favorite dining/entertainment merchants on PayZapp for 5% CashPoints (Amazon, Flipkart, BookMyShow, Zomato, Swiggy). 3% CashPoints on merchant category choice. 1% CashPoints on all other retail transactions.
Welcome: 500 Pixel CashPoints credited upon completing first transaction on PayZapp within 30 days of card issuance.
Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge Access12 complimentary domestic airport lounge visits per calendar year within India. 6 complimentary international lounge visits per calendar year via Priority Pass.
Reward: 4 Reward Points per ₹150 spent on all retail purchases. Up to 10X Reward Points on hotel and airline bookings made through SmartBuy.
Welcome: 2,500 Reward Points credited upon realization of the joining fee.
Fee Waiver: Spend ₹3,00,000 or more in the preceding anniversary year to get the annual fee of ₹2,500 reversed.
Flagship premium travel and lifestyle credit card with 12 domestic & 6 international lounge visits, 2.0% forex markup, and ₹10,000 in milestone flight vouchers.
Lounge Access12 complimentary domestic airport lounge visits per calendar year (applicable at both domestic and international terminals within India). 6 complimentary international lounge visits per calendar year via Priority Pass for primary and add-on cardholders.
Reward: 4 Reward Points per ₹150 spent on regular retail purchases. 5X Reward Points (20 points per ₹150) at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
Welcome: Gift voucher worth ₹2,500 from Marks & Spencer, Myntra, Nykaa, or Reliance Digital, plus complimentary Club Vistara Silver Tier and MMTBLACK Gold membership upon spending ₹1 Lakh in 90 days.
Fee Waiver: Spend ₹4,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,500 waived.
Lounge AccessNo complimentary airport lounge access is included on this fashion retail card.
Reward: 3% First Citizen reward points on retail purchases at Shoppers Stop stores and shoppersstop.com. 1% First Citizen point on all other retail transactions.
Welcome: Shoppers Stop shopping voucher worth ₹500 credited upon completing first transaction within 30 days of card issuance.
Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessNo complimentary airport lounge access is included on this food-and-grocery focused lifestyle card.
Reward: 10% Cashback on Swiggy application spends (Food Delivery, Instamart grocery, Dineout restaurant bills, Genie) capped at ₹1,500 per month. 5% Cashback on 1,000+ top online shopping websites (Amazon, Flipkart, Myntra, Nykaa, Zara, Nike) capped at ₹1,500 per month. 1% Cashback on other retail spends (capped at ₹500/mo).
Welcome: Complimentary 3-month Swiggy One membership credited within 30 days of card issuance and activation.
Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). 4 complimentary international lounge visits per calendar year using Priority Pass.
Reward: 5% NeuCoins on Tata Neu and partner Tata brands (Air India Express, BigBasket, Croma, Cult.fit, IHCL Hotels, Tata 1mg, Tata CLiQ, Titan, Westside). An additional 5% NeuCoins on select categories for NeuPass members (total up to 10% value back). 1.5% NeuCoins on non-Tata retail spends and UPI merchant transactions.
Welcome: 1,499 NeuCoins (worth ₹1,499) credited into Tata Neu app account upon completing first transaction within 30 days of card issuance.
Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,499 waived.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) via RuPay/Visa.
Reward: 2% NeuCoins on Tata Neu and partner Tata brands (Air India Express, BigBasket, Croma, Cult.fit, IHCL Hotels, Tata 1mg, Tata CLiQ, Titan, Westside). An additional 5% NeuCoins on select categories for NeuPass members (total up to 7%). 1% NeuCoins on non-Tata retail spends and UPI merchant transactions.
Welcome: 499 NeuCoins (worth ₹499) credited into Tata Neu app account upon completing first transaction within 30 days of card issuance.
Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹499 waived.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at partner airport lounges.
Reward: 3% Adani Reward Points on transactions inside the Adani One ecosystem (flight bookings, hotel reservations, train tickets, duty-free purchases, airport parking). 1.5% Adani Reward Points on domestic retail spends. 1% on utility and international transactions.
Welcome: Adani One app travel and duty-free shopping vouchers worth ₹5,000 credited upon card fee payment and activation.
Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹750 waived.
Lounge Access16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 4 complimentary international lounge visits per calendar year via DreamFolks dragonpass.
Reward: 7% Adani Reward Points on all transactions inside the Adani ecosystem via the Adani One app (flight bookings, hotel reservations, train tickets, duty-free shopping, airport parking). 2% Adani Reward Points on domestic retail spends. 1.5% on utility and international spends.
Welcome: Flight, hotel, and duty-free shopping vouchers worth ₹9,000 on the Adani One app platform credited upon payment of the joining fee.
Fee Waiver: Spend ₹6,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹5,000 waived.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter. 1 complimentary domestic railway lounge visit per quarter.
Reward: 2 ICICI Reward Points per ₹100 spent on all UPI merchant transactions and retail purchases (excluding fuel). 1 Reward Point per ₹100 on utility and insurance spends.
Welcome: Bonus ICICI Reward Points credited upon fee payment and first UPI scan-and-pay transaction.
Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 or more in the preceding calendar quarter. 1 complimentary domestic railway lounge visit per calendar quarter.
Reward: 2 ICICI Reward Points per ₹100 spent on retail purchases (excluding fuel). 1 Reward Point per ₹100 on utility and insurance categories.
Welcome: Bonus ICICI Reward Points credited upon fee realization and card activation.
Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Ultra-luxury card featuring unlimited domestic & global lounge access with guests, 1.99% forex markup, low 1.99% APR, and BookMyShow discounts up to ₹750.
Lounge AccessUnlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via DreamFolks dragonpass with complimentary guest visits.
Reward: 4 ICICI Reward Points per ₹100 spent on all retail transactions with no upper capping. 1 Reward Point per ₹100 on utility and insurance spends.
Welcome: Comprehensive luxury welcome gift and bespoke concierge privileges.
Fee Waiver: Spend ₹15,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹12,000 waived.
Lounge AccessUnlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass / DreamFolks with unlimited guest visits.
Reward: 6 ICICI Reward Points per ₹200 on all retail transactions (effective 1.50% base return). 10X Reward Points on hotel and airline bookings via ICICI travel portal.
Welcome: 12,500 ICICI Reward Points credited upon fee realization, plus complimentary Taj Epicure membership and EazyDiner Prime annual membership.
Fee Waiver: Spend ₹10,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹12,500 waived.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter.
Reward: 5% total savings on fuel purchases at HPCL petrol pumps (4% cashback as ICICI Reward Points + 1% fuel surcharge waiver). 5% cashback on utility bill payments and departmental store grocery spends (capped at 100 Reward Points per month per category). 2 Reward Points per ₹100 on other retail spends.
Welcome: 2,000 bonus ICICI Reward Points (worth ₹500) credited upon payment of the joining fee and first retail transaction.
Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter. 1 complimentary domestic railway lounge visit per quarter.
Reward: 4 My Cash per ₹200 spent on hotel bookings via MakeMyTrip. 2 My Cash per ₹200 on flight bookings on MakeMyTrip. 1.25 My Cash per ₹200 on all other retail transactions (1 My Cash = ₹1.00).
Welcome: ₹1,500 MakeMyTrip My Cash + ₹2,500 MakeMyTrip Holiday voucher credited to linked MMT account, plus complimentary MMTBLACK Gold membership tier.
Fee Waiver: Renewal fee is ₹0 (Lifetime Free after paying one-time joining fee of ₹2,500).
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter.
Reward: 3 ICICI Reward Points per ₹100 spent on Manchester United match days. 2 ICICI Reward Points per ₹100 on other days. Up to 5 Reward Points per ₹100 on Manchester United official store online purchases.
Welcome: Official Manchester United football and branded merchandise welcome kit upon payment of the joining fee.
Fee Waiver: Spend ₹1,25,000 or more in each preceding anniversary year to get the annual renewal fee of ₹499 waived.
Modular subscription-based card for millennials offering up to 5% cashback on Amazon, Swiggy, Zomato, and dynamic plan toggling.
Joining / Annual FeeSubscription-Based (₹0 to ₹149/month based on plan)
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter (available on Pro tier).
Reward: Up to 5% Cashback on leading partner apps (Amazon, Swiggy, Zomato, BookMyShow, Myntra) on the Pro subscription tier. 1% cashback on all other retail transactions.
Welcome: Amazon Pay gift voucher or partner subscription voucher credited upon first retail purchase on the iMobile app.
Fee Waiver: Base plan is Lifetime Free (₹0); higher monthly cashback plans (₹49/mo or ₹149/mo) can be toggled on/off dynamically via iMobile app.
Lounge AccessNo complimentary airport lounge access is included on this lifetime-free starter card.
Reward: 2 ICICI Reward Points per ₹100 spent on all retail transactions (excluding fuel). 1 Reward Point per ₹100 on utilities and insurance categories.
Welcome: Lifetime free card issuance with zero joining fee and microchip fraud protection.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter upon spending ₹35,000 in previous quarter. 2 complimentary domestic railway lounge visits per quarter.
Reward: 4 ICICI Reward Points per ₹100 spent on international purchases and grocery/departmental stores. 2 ICICI Reward Points per ₹100 on other retail domestic transactions.
Welcome: Shopping and travel vouchers worth over ₹5,000 credited within 45 days of paying the joining fee and completing first purchase.
Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,000 waived.
Lounge Access4 complimentary domestic airport lounge visits per calendar quarter upon spending ₹35,000 in preceding quarter (up to 16 visits annually). 2 complimentary international airport lounge visits per calendar year via DreamFolks membership. 4 complimentary domestic railway lounge visits per quarter.
Reward: 6 ICICI Reward Points per ₹100 spent on international transactions. 3 ICICI Reward Points per ₹100 spent on domestic retail transactions. 1 Reward Point per ₹100 on utilities and insurance.
Welcome: Welcome voucher bundle worth ₹9,000+ from luxury travel, shopping, and hospitality partners credited within 45 days of paying the joining fee.
Fee Waiver: Spend ₹6,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹3,500 waived.
Lounge Access4 complimentary domestic railway lounge visits per calendar quarter.
Reward: 10X Reward Points (effective 2.50% return) on incremental retail spends crossing ₹20,000 in a monthly billing cycle and on cardholder's birthday. 6X Reward Points (1.50% return) on online retail spends up to ₹20,000. 3X Reward Points (0.75% return) on offline retail spends up to ₹20,000. Reward points never expire.
Welcome: Gift voucher worth ₹500 from top retail brands on spending ₹15,000 or more within 90 days of card generation, plus 5% cashback (up to ₹1,000) on first EMI transaction value.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees forever.
Lounge Access4 complimentary domestic railway lounge visits per calendar quarter.
Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹20,000 and on birthdays. 6X Reward Points (1.50% return) on online retail spends up to ₹20,000. 3X Reward Points (0.75% return) on offline retail spends up to ₹20,000. Reward points never expire.
Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.
Lounge Access4 complimentary domestic airport lounge visits per calendar quarter (1 visit per month) upon spending ₹20,000 or more in the preceding calendar month. 4 complimentary domestic railway lounge visits per quarter.
Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹25,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹25,000. 3X Reward Points (0.75% return) on offline spends. Reward points never expire.
Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.
Lounge AccessNo complimentary airport lounge access is included on this secured starter card.
Reward: 4X Reward Points on all retail transactions (effective 1.00% return). 1X Reward Point per ₹150 on utility and insurance spends. Reward points never expire.
Welcome: Zero joining fee, zero forex markup, and instant credit line activation linked to IDFC Fixed Deposit with zero income verification.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.
Lounge Access4 complimentary domestic airport lounge visits + 4 international airport lounge visits + 4 spa visits per calendar quarter via DreamFolks dragonpass upon spending ₹20,000 in preceding calendar month. 4 railway lounge visits per quarter.
Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹30,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹30,000. 3X Reward Points (0.75% return) on offline retail. Reward points never expire.
Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.
Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees forever.
Lounge Access4 complimentary domestic executive railway lounge visits per calendar year (1 visit per calendar quarter) at major railway stations across India.
Reward: Up to 10% value back in Reward Points on AC train ticket bookings (AC 1, AC 2, AC 3, Executive Chair Car) made via irctc.co.in or IRCTC Rail Connect app. 1 Reward Point per ₹125 spent on non-fuel retail purchases.
Welcome: 350 bonus Reward Points credited upon card fee payment and completing first AC train ticket booking on irctc.co.in within 30 days.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹300 waived.
Premier Indian Railways credit card delivering 10% value back on AC train tickets, 8 executive railway lounge visits, and 1:1 ticket redemption on IRCTC.
Lounge Access8 complimentary Executive Railway Lounge visits per year across major railway stations in India (max 2 visits per quarter).
Reward: Up to 10% value back as Reward Points on AC1, AC2, AC3, and Executive Chair Car ticket bookings via irctc.co.in or IRCTC app. 3 Reward Points per ₹125 on Dining and Standing Instructions on Utility bills. 1 Reward Point per ₹125 on other retail.
Welcome: 1,500 bonus Reward Points (worth ₹1,500 on IRCTC train ticket bookings) upon payment of the first annual fee.
Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.
Popular train travel credit card offering up to 10% value back on IRCTC AC tickets, 4 railway lounge visits, and 1% booking charge waiver for ₹500 fee.
Lounge Access4 complimentary Executive Railway Lounge visits per year (max 1 visit per quarter).
Reward: Up to 10% value back as Reward Points on AC1, AC2, AC3, and CC train ticket bookings made via irctc.co.in or IRCTC app. 1 Reward Point per ₹125 on non-fuel retail spends.
Welcome: 350 bonus Reward Points (worth ₹350) upon transaction of ₹500 or more within 45 days of card issuance.
Fee Waiver: No direct spend waiver; compensated with 500 bonus Reward Points (worth ₹500) credited upon payment of renewal fee.
Lounge AccessNo complimentary airport lounge access is included on this fuel starter card.
Reward: 4% value back (20 EDGE Reward Points per ₹100 spent) on fuel purchases at IndianOil petrol pumps across India (applicable on transactions between ₹400 and ₹4,000, capped at 1,000 points/mo). 1% value back on online shopping. 1 EDGE point per ₹100 on other retail.
Welcome: 100% cashback up to ₹250 on first fuel transaction at any IndianOil petrol pump within 30 days of card issuance.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge AccessNo complimentary airport lounge access is included on this fuel card.
Reward: 4% back as Reward Points (24 Reward Points per ₹150 spent) on fuel purchases at IndianOil petrol pumps across India (capped at 1,200 points per month). 2% back on grocery and dining (12 points per ₹150, capped at 800 points/mo). 3 Reward Points per ₹150 on other retail.
Welcome: 1,000 Reward Points (worth ₹250) credited upon spending ₹500 within the first 30 days of card issuance.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹449 waived.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary international lounge visits per calendar year via Priority Pass.
Reward: 2 Reward Points per ₹100 spent on weekend retail purchases (Saturdays and Sundays). 1 Reward Point per ₹100 on weekday retail purchases (Monday to Friday).
Welcome: Gift vouchers worth ₹10,000 from premier brands (Luxe Gift Card, Oberoi Hotels, Amazon, Yatra) upon payment of joining fee.
Fee Waiver: Renewal fee is ₹0 (Lifetime Free after one-time joining fee payment; frequently issued with ₹0 joining fee under corporate payroll drives).
Lounge AccessNo complimentary airport lounge access is included on this technology-first card.
Reward: Interactive physical buttons: Push button 1 for 'Rewards', button 2 for 'EMI' (instant 6/12 month conversion at POS), or button 3 for 'Credit'. 1 Reward Point per ₹150 on all retail transactions.
Welcome: Gift vouchers worth ₹1,500 from top retail brands (Amazon, Bata, MakeMyTrip) credited upon fee realization.
Fee Waiver: Renewal fee is ₹0 (Lifetime Free after one-time joining fee payment).
Lounge AccessNo complimentary airport lounge access is included on this starter rewards card.
Reward: Choice of 4 customized reward plans: (1) Platinum Aura Shop Plan (4X points on departmental stores), (2) Platinum Aura Travel Plan (4X on hotel/airline bookings), (3) Platinum Aura Party Plan (4X on dining/nightlife), or (4) Platinum Aura Home Plan (4X on grocery/utilities). 0.5 Reward Points per ₹100 on other retail.
Welcome: Welcome discount vouchers from leading retail brands (Amazon, MakeMyTrip, Bata, Apollo Pharmacy) credited upon card joining fee realization.
Fee Waiver: Renewal fee is ₹0 (Lifetime Free after initial joining fee payment).
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international lounge visits per year via Priority Pass.
Reward: Accelerated reward points on dining and food delivery spends: 6 Reward Points per ₹100 on dining/food apps. 2 Reward Points per ₹100 on general retail spends.
Welcome: Gift vouchers worth ₹500 from partner brands credited upon completing first transaction within 30 days.
Fee Waiver: Renewal fee is ₹0 (Lifetime Free after initial ₹499 fee).
Lounge AccessNo complimentary airport lounge access is included on this retail card.
Reward: 8X Reward Points (8 points per ₹150 spent) on special categories: apparel, grocery, departmental stores, airline tickets, and hotels. 4 Reward Points per ₹150 on other retail purchases.
Welcome: 500 bonus Reward Points credited upon fee payment and card activation within 30 days.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) at participating DreamFolks lounges in India.
Reward: 4X Reward Points (4 points per ₹150 spent) on dining, hotels, restaurants, books, and international travel bookings (capped at 4,000 points per cycle). 2 Reward Points per ₹150 on other retail purchases.
Welcome: Bonus Reward Points credited upon fee payment and first card swipe within 30 days.
Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹999 waived.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter).
Reward: Milestone-driven White Pass currency: Earn ₹2,00,000 spend = ₹2,000 White Pass; ₹4,00,000 spend = ₹4,000 White Pass; ₹6,00,000 spend = ₹7,000 White Pass; ₹9,00,000 spend = ₹12,000 White Pass; up to ₹27,000 in White Pass vouchers annually.
Welcome: White Pass vouchers worth ₹1,500 credited upon spending ₹30,000 within the first 60 days of card issuance.
Fee Waiver: Spend ₹5,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,500 waived.
Lounge AccessUnlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass with complimentary guest access visits.
Reward: Milestone luxury currency: Earn up to ₹2,50,000 in White Pass vouchers annually based on spend tiers (₹5L spend = ₹7,500 WP; ₹10L spend = ₹20,000 WP; ₹20L spend = ₹50,000 WP; up to ₹2.5 Lakhs WP at ₹1 Crore spend).
Welcome: White Pass vouchers worth ₹12,500 credited upon payment of joining fee and first card swipe.
Fee Waiver: Spend ₹10,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹12,500 waived.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) at participating DreamFolks lounges in India.
Reward: 15 Zen Points per ₹150 spent on apparel, lifestyle, department stores, and international spends (effective 2.50% reward rate). 5 Zen Points per ₹150 on all other regular retail purchases.
Welcome: 1,500 bonus Zen Points (worth ₹375) credited upon payment of the joining fee and first retail transaction.
Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,500 waived.
Digital co-branded card offering 5% value back on Paytm Travel & Movies, 4 domestic lounge visits, cyber insurance cover, and ₹6,000 milestone vouchers.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter). Priority Pass membership complimentary for first 2 years.
Reward: 5% value back (Reward Points) on Paytm Travel (flights, buses, trains), Movie tickets on Paytm, and Paytm Mall. 2% value back on all other Paytm App spends. 1% value back on offline and other retail spends.
Welcome: ₹750 cashback / reward points credited to Paytm account upon first transaction, plus complimentary Paytm First membership.
Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.
Reward: 10 Reward Points per ₹100 spent at eligible Reliance Retail stores (Smart, Trends, Digital, Ajio, JioMart). 5 Reward Points per ₹100 on dining, movies, and entertainment. 2 Reward Points per ₹100 on other retail.
Welcome: Reliance Retail voucher worth ₹3,000 upon payment of joining fee + discount vouchers worth up to ₹11,999 across Reliance brands (Trends, Smart Bazaar, Ajio, Reliance Digital).
Fee Waiver: Spend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across participating RuPay Platinum airport lounges in India. 2 complimentary domestic railway lounge visits per quarter.
Reward: 2 Reward Points per ₹100 spent on all UPI merchant QR code payments and retail checkouts. 5% cashback on utility bill payments (electricity, gas, water, municipal tax) completed via official bank portals.
Welcome: Gift vouchers from leading lifestyle brands, plus complimentary NPCI accidental insurance coverage of ₹2,00,000.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee waived (varies slightly by issuing bank).
Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international airport lounge visits per year across 500+ lounges globally via RuPay partner networks (Discover / Diners Club).
Reward: Accelerated reward points on dining, wellness, and travel spends (up to 4X points per ₹100 spent). 2 Reward Points per ₹100 on all other retail transactions.
Welcome: Curated wellness and lifestyle privileges: Complimentary annual health checkup, complimentary gym membership access, and spa session passes credited upon card activation.
Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,500 waived (varies by issuing bank).
SBI Card•Mastercard World Elite / Visa Infinite•एसबीआई कार्ड औरम
Exclusive invite-only metal super-premium card offering unlimited international lounges with guest visits, 40,000 welcome points, and 1.99% forex markup.
Lounge AccessUnlimited complimentary international airport lounge access for primary cardholder + 4 complimentary guest visits per year via DreamFolks membership. 4 complimentary domestic airport lounge visits per calendar quarter (16 visits/year) with complimentary access extended to add-on cardholders.
Reward: 4 AURUM Reward Points per ₹100 spent on all retail transactions. No upper caps on point accrual.
Welcome: 40,000 AURUM Reward Points (worth ₹10,000) credited upon joining fee payment, plus a handcrafted matte black metal card.
Fee Waiver: Spend ₹12,00,000 or more in the preceding membership year to get the annual renewal fee of ₹9,999 reversed.
Lounge Access6 complimentary international airport lounge visits per calendar year outside India via complimentary Priority Pass Program (max 2 visits per quarter). 8 complimentary domestic airport lounge visits per year in India (max 2 visits per quarter).
Reward: 5X Reward Points (10 points per ₹100 spent) on Dining, Departmental Stores, and Grocery purchases. 2 Reward Points per ₹100 on all other retail spends.
Welcome: e-Gift Voucher worth ₹5,000 from premium partner brands: Yatra.com, Hush Puppies/Bata, Pantaloons, Shoppers Stop, or Aditya Birla Fashion.
Fee Waiver: Spend ₹10,00,000 or more in the preceding membership year to get the annual renewal fee of ₹4,999 reversed.
Lounge Access6 complimentary international lounge visits per year outside India via Priority Pass (max 2/quarter). 8 complimentary domestic airport lounge visits per year (max 2/quarter).
Reward: 5X Reward Points (10 points per ₹100 spent) on Dining, Departmental Stores, and Groceries. 2 Reward Points per ₹100 on all other retail transactions.
Welcome: e-Gift Voucher worth ₹5,000 from choice of luxury brands (Yatra.com, Hush Puppies, Shoppers Stop, Pantaloons).
Fee Waiver: Spend ₹10,00,000 or more in the preceding membership year to get the annual renewal fee of ₹4,999 reversed.
Dedicated international travel currency card offering 5,000 welcome Travel Credits, 1:1 air miles transfer across 20+ global airlines, 1.99% forex markup, and 14 lounge visits.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 6 complimentary international airport lounge visits per year via Priority Pass. Cardholders earn 1 additional domestic lounge visit per ₹1 Lakh retail spend.
Reward: 6 Travel Credits per ₹200 spent on Travel Bookings (flights, hotels via dedicated travel portal). 2 Travel Credits per ₹200 spent on all other retail categories.
Welcome: 5,000 Travel Credits (convertible 1:1 into 5,000 Air Miles or Hotel Loyalty Points across 20+ airline/hotel partners) upon payment of joining fee.
Fee Waiver: Spend ₹15,00,000 or more in the preceding membership year to get the annual renewal fee of ₹4,999 reversed.
Flexible travel rewards card offering 3,000 welcome Travel Credits, 1:1 air miles transfer across global airlines, and 8 domestic + 4 Priority Pass lounge visits.
Lounge Access8 complimentary domestic airport lounge visits per year (max 2/quarter). 4 complimentary international airport lounge visits per year via Priority Pass.
Reward: 4 Travel Credits per ₹200 spent on Travel Bookings. 2 Travel Credits per ₹200 spent on all other retail categories.
Welcome: 3,000 Travel Credits (convertible 1:1 into 3,000 Air Miles or Hotel Loyalty Points) upon payment of joining fee.
Fee Waiver: Spend ₹10,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.
Lounge Access8 complimentary domestic airport lounge visits per year (max 2 visits per quarter). Complimentary Priority Pass Membership with 4 complimentary international airport lounge visits per calendar year (max 2 visits per quarter).
Reward: 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores, and Movie tickets. 2 Reward Points per ₹100 on all other retail spends.
Welcome: e-Gift Voucher worth ₹3,000 from choice of top retail brands: Bata/Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla Fashion, or Yatra.com.
Fee Waiver: Spend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.
Dedicated armed forces credit card for military and paramilitary personnel offering 5X rewards at CSD canteens, concessional 2.75% interest, and low ₹250 fee.
Lounge AccessNo complimentary airport lounge access included with standard variant.
Reward: 5X Reward Points (5 points per ₹100 spent) on CSD (Canteen Stores Department), Dining, Grocery, and Departmental Stores. 1 Reward Point per ₹100 on other retail.
Welcome: 1,000 bonus Reward Points (worth ₹250) upon payment of joining fee + concessional interest rate of 2.75% per month.
Fee Waiver: Spend ₹50,000 or more in the preceding membership year to get the annual renewal fee of ₹250 reversed.
Lounge Access4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).
Reward: 10 Reward Points per ₹100 spent on CSD (Canteen Stores Department), Dining, Grocery, Departmental Stores, and Movies. 2 Reward Points per ₹100 on other retail.
Welcome: 1,500 bonus Reward Points (worth ₹1,500 on military lifestyle vouchers) upon payment of joining fee + concessional 2.75% monthly interest rate.
Fee Waiver: Spend ₹1,50,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.
Financial inclusion and credit-builder card issued against ₹25,000 SBI Fixed Deposit with zero income proof, zero annual fee for 4 years, and ₹500 milestone cashback.
Joining / Annual FeeNIL for first 4 years (₹499 + GST from 5th year onwards)
Reward: 1 Reward Point per ₹100 spent on all retail transactions.
Welcome: Zero annual fee for the first 4 years and 100% approval against an SBI Fixed Deposit of ₹25,000 or more without requiring any income proof or previous credit history.
Fee Waiver: Spend ₹50,000 or more in the preceding year to waive the ₹499 renewal fee from the 5th year onwards.
Joining / Annual FeeCustom Corporate Pricing (Typically Nil to ₹1,000/card based on corporate relationship agreement)
Lounge AccessComplimentary domestic and international airport lounge access variants available (typically 2 visits/quarter on Executive/Signature tiers).
Reward: Customizable reward structure: 1 Reward Point per ₹100 or corporate rebate/volume cashback credited to company account.
Lounge AccessNo complimentary airport lounge access is included on this Jan Dhan financial inclusion card.
Reward: Financial inclusion card designed for basic citizen transactions: 1 Reward Point per ₹200 on POS and e-commerce transactions. High subsidized merchant transaction convenience on Bharat BillPay and direct benefit transfer (DBT) subsidies.
Welcome: Zero joining fee, zero annual maintenance charge, and automatic non-contributory ₹2,00,000 accidental death/permanent disability insurance cover funded by NPCI (for cards issued after August 28, 2018).
Fee Waiver: Unconditionally Lifetime Free under Government of India Pradhan Mantri Jan Dhan Yojana (PMJDY) statutory guidelines.
Reward: 10X Reward Points (10 points per ₹100 spent) on exclusive digital partners: Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, and Yatra. 5X Reward Points (5 points per ₹100 spent) on all other online shopping. 1 Reward Point per ₹100 on offline retail.
Welcome: Amazon.in e-Gift Voucher worth ₹500 sent to registered mobile number within 21 days of paying the joining fee.
Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.
Entry-level grocery, supermarket, dining, and cinema credit card offering 10X reward points on daily living expenses and a ₹1 Lakh spend-based fee waiver.
Lounge AccessNo complimentary airport lounge access is included with this entry-level rewards card.
Reward: 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores, and Grocery purchases (capped at 5,000 reward points per calendar month). 1 Reward Point per ₹150 spent on all other retail categories.
Welcome: 2,000 bonus Reward Points (worth ₹500) on spending ₹2,000 or more within the first 60 days of card issuance.
Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.
Reward: Accelerated reward points on merchant supplier purchases, wholesale inventory stocking, and utility bills. 1 Reward Point per ₹100 on other retail.
Welcome: Zero annual fee, instant POS/UPI QR settlement integration, and dedicated short-term working capital credit limit.
Fee Waiver: Lifetime zero fee for active merchants with verified business settlement accounts.
Secured student credit card issued against SBI Fixed Deposit or Education Loan with zero income proof, 10X rewards on groceries/books, and early CIBIL score building.
Joining / Annual FeeNIL Joining Fee (Renewal: Nil or waived on ₹35,000 annual spend)
Reward: 1 Reward Point per ₹100 spent on all regular retail purchases. 10X Reward Points (10 points per ₹100) on Departmental store, Grocery, and International book/educational spends.
Welcome: Zero joining fee and instant credit line activation linked to SBI Fixed Deposit without needing income tax returns or salary slips.
Fee Waiver: Spend ₹35,000 or more annually, or maintain active underlying SBI Education Loan / Fixed Deposit collateral.
Lounge Access1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 1 complimentary international airport lounge visit per calendar year via Priority Pass.
Reward: 20% instant discount on domestic and international hotel bookings on EaseMyTrip (up to ₹5,000 on hotels). 10% instant discount on domestic and international flight bookings on EaseMyTrip (up to ₹1,000 on flights). 10 Reward Points per ₹100 spent on standalone hotel and flight ticket bookings. 2 Reward Points per ₹100 on other retail.
Welcome: EaseMyTrip hotel discount voucher worth ₹500 credited upon fee realization and card activation.
Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹350 waived.
Lounge AccessNo complimentary airport lounge access is included on this entry cashback card.
Reward: 2% cashback on all online retail spends (capped at ₹1,000 cashback per month). 1% cashback on all offline retail spends (capped at ₹500 cashback per month). Special interest rate of 0.99% per month on balance EMI conversions for the first 90 days.
Welcome: Amazon gift voucher worth ₹500 or fee reversal on spending ₹10,000 within 30 days of card issuance.
Fee Waiver: Spend ₹1,20,000 or more in each preceding anniversary year to get the annual renewal fee of ₹499 waived.
Lounge AccessNo complimentary airport lounge access is included on this fuel-focused card.
Reward: 5% cashback on fuel purchases across all petrol pumps in India (capped at ₹200 per month). 5% cashback on phone bills and utility payments (electricity, water, gas) (capped at ₹100 per month). 1 Reward Point per ₹150 on other retail spends.
Welcome: Amazon gift voucher worth ₹500 upon payment of joining fee and first fuel refill within 30 days.
Fee Waiver: Spend ₹90,000 or more in each preceding anniversary year to get the annual renewal fee of ₹750 waived.
Lounge Access8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.
Reward: 7.5% cashback on purchases at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, and Sonata. 5% cashback at Mia, Caratlane, and Zoya. 3% value back as Titan gift vouchers on Tanishq jewelry. 6 Reward Points per ₹100 on other retail.
Welcome: 12,000 bonus Reward Points (worth ₹3,000) credited upon payment of the annual fee.
Fee Waiver: Spend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.
Reward: 6 Reward Points per ₹100 spent on Departmental Stores, Grocery, Dining, Movies, Entertainment, and International spends (capped at 5,000 points per month per category). 1 Reward Point per ₹100 on other retail.
Welcome: Yatra.com travel vouchers worth ₹8,250 credited upon payment of joining fee (including two ₹500 domestic flight vouchers, two ₹1,000 intl flight vouchers, one ₹750 hotel voucher, and ₹1,500 holiday voucher).
Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.
Understanding Credit Card Most Important Terms and Conditions (MITC)
In strict accordance with the Reserve Bank of India (RBI) Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 (Updated 2024), card issuers are legally mandated to publish transparent Most Important Terms and Conditions (MITC). Eligo audits these statutory disclosures so consumers can understand actual borrowing costs before applying. Key terms audited include Annualized Percentage Rates (APR) reaching up to 42% to 49% per annum on revolving balances, hidden cash advance surcharges, foreign currency transaction markups, and tiered late payment penalties.
Strict Non-Commercial Policy: Eligo is an independent civic research and public information platform. We do not participate in credit card affiliate programs, we do not earn referral commissions, we do not operate Direct Selling Agent (DSA) sales funnels, and we never collect personal contact information. Every link on this directory routes users exclusively to official banking portals (.bank.sbi, hdfcbank.com, icicibank.com) or certified institutional channels.