SHOPPING & CASHBACK · E-COMMERCE ACCELERATORS · REAL REDEMPTION VALUES

Rewards & Shopping Credit Cards

Rewards cards are designed to turn routine consumption — groceries, electronics, food delivery, and cinema bookings — into cash statement credits or merchant gift vouchers. However, headline marketing claims (like "Up to 10X Rewards") frequently conceal restrictive monthly caps, low monetary conversion rates (often 4 points = ₹1, meaning a nominal 0.25% value back), and redemption processing fees. This directory breaks down verified, post-devaluation reward mathematics.

Browse Cards by Target Segment

All Cards117 Student4 Salaried12 Self-Employed104 Travel47 Fuel7 Rewards41 Lifetime Free22

1. Real Monetary Value

Always inspect the point redemption conversion ratio. While cashback cards (Millennia, Amazon Pay ICICI) credit ₹1.00 per point directly to your bill, standard reward systems typically value 1 point between ₹0.20 and ₹0.25.

2. Excluded Spending Categories

Almost all issuers now exclude property rent payments, wallet reloads (Paytm/Mobikwik), government taxes, and utility bills from earning reward points, or levy a 1% surcharge fee on rent transactions.

3. Redemption Fees & Expiry

Points do not last forever; standard validity is 2 to 3 years from the accrual date. Additionally, banks (like SBI Card and Axis) charge a redemption fee of ₹99 + 18% GST every time you redeem catalog rewards.

Verified Rewards & Shopping Cards (41)

100% Verified MITC

🎁Shopping & RewardsEntry-Level

Verified MITC

AU Small Finance Bank Altura Plus Credit Card

SBI Card•Visa•एयू स्मॉल फाइनेंस बैंक अल्तुरा प्लस क्रेडिट कार्ड

Everyday card offering 1.5% cashback on offline POS swipes, 2X reward points on online shopping, and railway lounge access.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

AU Small Finance Bank LIT Credit Card

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Airtel Axis Bank Credit Card

SBI Card•Visa•एयरटेल एक्सिस बैंक क्रेडिट कार्ड

Telecom co-branded card offering 25% cashback on Airtel bills, 10% on utility bills, and 10% on Swiggy, Zomato, and BigBasket.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Amazon Pay ICICI Credit Card

SBI Card•Visa•अमेज़न पे आईसीआईसीआई क्रेडिट कार्ड

India's benchmark Lifetime Free credit card offering uncapped 5% cashback on Amazon, 2% on utility bills, and automatic monthly wallet credits.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Axis ACE Credit Card

SBI Card•Visa Signature•एक्सिस ऐस क्रेडिट कार्ड

Top utility and food delivery card offering 5% on Google Pay bill payments, 4% on Swiggy, Zomato, Ola, and 4 domestic lounge visits.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Axis MY Zone Credit Card

SBI Card•Visa / RuPay•एक्सिस माई ज़ोन क्रेडिट कार्ड

Entertainment card offering B1G1 Paytm Movies tickets up to ₹200/mo, ₹120 off on Swiggy twice a month, and free SonyLIV subscription.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Axis Rewards Credit Card

SBI Card•Visa Platinum / Mastercard•एक्सिस रिवार्ड्स क्रेडिट कार्ड

Everyday retail card offering 20 EDGE points per ₹125 on apparel and department stores, 1,500 monthly milestone points, and 8 lounge visits.

Joining / Annual Fee₹1,000 + GST (Renewal: ₹1,000 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

Cashback SBI Card

SBI Card•Visa•कैशबैक एसबीआई कार्ड

India's premier cashback credit card delivering an industry-leading 5% cashback on all online spends auto-credited directly to monthly statements.

Joining / Annual Fee₹999 + GST (Renewal: ₹999 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

EazyDiner IndusInd Bank Credit Card

SBI Card•Visa Signature•ईज़ी-डाइनर इंडसइंड बैंक क्रेडिट कार्ड

Premier dining credit card delivering instant extra 25% off (up to ₹1,000) on restaurant bills via PayEazy, free EazyDiner Prime, and 8 lounge visits.

Joining / Annual Fee₹1,999 + GST (Renewal: ₹1,999 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

Federal Bank Imperio Credit Card

SBI Card•Visa Platinum•फेडरल बैंक इम्पेरियो क्रेडिट कार्ड

Household lifestyle card offering 3X points on grocery & healthcare, 8 domestic lounge visits, and ₹1.5 Lakhs spend-based fee waiver.

Joining / Annual Fee₹1,500 + GST (Renewal: ₹1,500 + GST)

Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) at participating lounges in India.

Reward: 3X Reward Points on grocery, departmental stores, and healthcare spends. 1 Reward Point per ₹100 on other retail purchases.

Welcome: Amazon gift voucher worth ₹1,500 upon payment of 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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Federal Bank Signet Credit Card

SBI Card•Visa / RuPay•फेडरल बैंक सिग्नेट क्रेडिट कार्ड

Entry-level rewards card offering 3X points on apparel & electronics, 4 domestic lounge visits, and ₹75,000 spend-based fee waiver.

Joining / Annual Fee₹750 + GST (Renewal: ₹750 + GST)

Lounge Access1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually) at participating lounges in India.

Reward: 3X Reward Points on apparel and electronics spending. 2X Reward Points on entertainment. 1 Reward Point per ₹100 on other retail transactions.

Welcome: Amazon gift voucher worth ₹750 credited upon payment of joining fee and spending ₹3,000 within 30 days.

Fee Waiver: Spend ₹75,000 or more in each preceding anniversary year to get the annual renewal fee of ₹750 waived.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Flipkart Axis Bank Credit Card

SBI Card•Visa•फ्लिपकार्ट एक्सिस बैंक क्रेडिट कार्ड

Premier e-commerce shopping card providing uncapped 5% cashback on Flipkart, 4% on Swiggy & Uber, and 1.5% on all retail spends.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

HDFC Bharat Cashback Credit Card

SBI Card•Visa / RuPay•एचडीएफसी भारत कैशबैक क्रेडिट कार्ड

Semi-urban and mass-market cashback card offering 5% cashback on IRCTC train tickets, fuel, grocery, and utility bill payments.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

HDFC Millennia Credit Card

SBI Card•Visa / Mastercard / Diners Club•एचडीएफसी मिलेनिया क्रेडिट कार्ड

Premier digital cashback credit card offering 5% statement cashback on Amazon, Flipkart, Swiggy, and Zomato with 1:1 statement credit redemption.

Joining / Annual Fee₹1,000 + GST (Renewal: ₹1,000 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

HDFC MoneyBack+ Credit Card

SBI Card•Visa / Mastercard / RuPay•एचडीएफसी मनीबैक+ क्रेडिट कार्ड

Entry-level rewards card offering 10X CashPoints on Amazon, Flipkart, BigBasket, and Swiggy, plus ₹2,000 annual milestone gift vouchers.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

HDFC Pixel Play Credit Card

SBI Card•Visa / RuPay•एचडीएफसी पिक्सेल प्ले क्रेडिट कार्ड

Customizable digital credit card inside PayZapp letting users pick their favorite 2 merchants for 5% cashback with 1:1 cash redemption.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

HDFC Shoppers Stop Credit Card

SBI Card•Visa•एचडीएफसी शॉपर्स स्टॉप क्रेडिट कार्ड

Fashion retail co-branded card offering 3% First Citizen points at Shoppers Stop, exclusive store sale privileges, and ₹500 welcome voucher.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

HDFC Swiggy Credit Card

SBI Card•Mastercard•एचडीएफसी स्विगी क्रेडिट कार्ड

Premier dining and quick-commerce card delivering 10% cashback on Swiggy Food and Instamart, plus 5% on 1,000+ top e-commerce websites.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsPremium

Verified MITC

HDFC Tata Neu Infinity Credit Card

SBI Card•RuPay / Visa•एचडीएफसी टाटा न्यू इन्फिनिटी क्रेडिट कार्ड

Premium Tata ecosystem RuPay card delivering up to 10% NeuCoins on Tata brands, 8 domestic & 4 international lounge visits, and UPI payment support.

Joining / Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

HDFC Tata Neu Plus Credit Card

SBI Card•RuPay / Visa•एचडीएफसी टाटा न्यू प्लस क्रेडिट कार्ड

Co-branded RuPay credit card for the Tata ecosystem offering up to 7% NeuCoins on BigBasket, Croma, 1mg, and seamless UPI QR code payments.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

ICICI Coral Contactless Credit Card (RuPay)

SBI Card•RuPay•आईसीआईसीआई कोरल कॉन्टैक्टलेस क्रेडिट कार्ड (रुपे)

Flagship RuPay credit card linkable to UPI apps for merchant QR payments, 25% off BookMyShow tickets, and airport & railway lounge access.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

ICICI Coral Credit Card

SBI Card•Visa / Mastercard / RuPay•आईसीआईसीआई कोरल क्रेडिट कार्ड

Entry-level gemstone card offering 25% off on BookMyShow/INOX tickets, domestic airport & railway lounge access, and RuPay UPI payment support.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

ICICI Manchester United Platinum Credit Card

SBI Card•Visa•आईसीआईसीआई मैनचेस्टर यूनाइटेड प्लेटिनम क्रेडिट कार्ड

Football co-brand offering official club merchandise welcome gifts, match-day reward multipliers, and Old Trafford sweepstakes.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

ICICI Mine Credit Card

SBI Card•Visa•आईसीआईसीआई माइन क्रेडिट कार्ड

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IDFC FIRST Classic Credit Card

SBI Card•Visa•आईडीएफसी फर्स्ट क्लासिक क्रेडिट कार्ड

Lifetime Free card with dynamic low APR from 9%, interest-free ATM cash withdrawal up to 48 days, and 10X rewards on spends over ₹20,000.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IDFC FIRST Millennia Credit Card

SBI Card•Visa•आईडीएफसी फर्स्ट मिलेनिया क्रेडिट कार्ड

Youth-focused Lifetime Free card with 6X rewards on online shopping, 25% off on movie tickets, and dynamic low APRs from 9%.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

IndusInd Bank Nexxt Credit Card

SBI Card•Mastercard•इंडसइंड बैंक नेक्स्ट क्रेडिट कार्ड

Interactive payment card with physical buttons and LED lights for on-the-spot POS selection of Credit, EMI, or Reward Points.

Joining / Annual Fee₹1,499 + GST Joining (Renewal: Lifetime Free ₹0)

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).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IndusInd Bank Platinum Aura Edge Credit Card

SBI Card•Visa / Mastercard•इंडसइंड बैंक प्लेटिनम ऑरा एज क्रेडिट कार्ड

Customizable reward card letting users choose their 4X spending category (Shop, Travel, Dine, or Home) with ₹0.50 cash value per point.

Joining / Annual Fee₹500 + GST Joining (Renewal: Lifetime Free ₹0)

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).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

IndusInd Bank Tiger Credit Card

SBI Card•Visa Infinite•इंडसइंड बैंक टाइगर क्रेडिट कार्ड

Lifestyle card offering 6 points per ₹100 on dining, low 1.5% forex markup, 8 domestic & 2 international lounge visits, and LTF renewal.

Joining / Annual Fee₹499 + GST Joining (Renewal: Lifetime Free ₹0)

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).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Kotak League Platinum Credit Card

SBI Card•Visa / RuPay•कोटक लीग प्लेटिनम क्रेडिट कार्ड

Retail card offering 8X reward points on grocery and apparel, 4 free PVR movie tickets milestone, and ₹50,000 spend-based fee waiver.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Kotak Mojo Platinum Credit Card

SBI Card•Visa Platinum•कोटक मोजो प्लेटिनम क्रेडिट कार्ड

Digital-first card offering 2.5 Mojo points per ₹100 online, 8 domestic airport lounge visits, and 2,500 quarterly milestone bonus points.

Joining / Annual Fee₹1,000 + GST (Renewal: ₹1,000 + GST)

Lounge Access8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at partner airport lounges across India.

Reward: 2.5 Mojo points per ₹100 spent on all online retail transactions (effective 1.00% return). 1 Mojo point per ₹100 on all offline retail spends.

Welcome: 1,000 Mojo points (worth ₹400) credited upon spending ₹5,000 within the first 45 days of card issuance.

Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,000 waived.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsPremium

Verified MITC

Kotak White Credit Card

SBI Card•Visa Signature•कोटक व्हाइट क्रेडिट कार्ड

Milestone-driven card offering up to ₹27,000 in luxury White Pass vouchers for Apple, Taj, and premium fashion brands on achieving spend goals.

Joining / Annual Fee₹1,500 + GST (Renewal: ₹1,500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

Kotak Zen Signature Credit Card

SBI Card•Visa Signature•कोटक ज़ेन सिग्नेचर क्रेडिट कार्ड

Lifestyle card offering 15 Zen points per ₹150 on apparel and international spends, 8 domestic lounge visits, and 22,500 milestone bonus points.

Joining / Annual Fee₹1,500 + GST (Renewal: ₹1,500 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Paytm SBI Card

SBI Card•Visa•पेटीएम एसबीआई कार्ड

Entry-level digital co-branded card offering 3% value back on Paytm Travel & Movies, cyber fraud insurance, and fee waiver on spending ₹1 Lakh.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

Lounge AccessNo complimentary airport lounge access.

Reward: 3% value back (Reward Points) on Paytm Travel, Movies, and Mall. 2% on all other Paytm app spends. 1% on offline retail.

Welcome: ₹250 cashback / reward points credited to Paytm account on 1st retail spend + complimentary Paytm First membership.

Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

Reliance SBI Card PRIME

SBI Card•Visa / RuPay•रिलायंस एसबीआई कार्ड प्राइम

Co-branded retail credit card offering ₹3,000 Reliance welcome voucher, 10X rewards on Smart/Trends/Digital, 8 domestic + 4 Priority Pass lounge visits, and ₹8,750 milestone perks.

Joining / Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

RuPay Platinum Credit Card

SBI Card•RuPay•रुपे प्लेटिनम क्रेडिट कार्ड

Flagship multi-bank RuPay card featuring UPI QR code payment support, 8 domestic airport lounge visits, and ₹2 Lakh NPCI accidental cover.

Joining / Annual Fee₹500 + GST (Frequently Lifetime Free depending on issuing bank)

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).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

SBI SimplyClick Credit Card

SBI Card•Visa / Mastercard•एसबीआई सिम्पलीक्लिक क्रेडिट कार्ड

Flagship digital lifestyle credit card offering 10X rewards on Amazon, Swiggy, Cleartrip, BookMyShow, and ₹4,000 in milestone travel vouchers.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

Lounge AccessNo complimentary airport lounge access.

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

SBI SimplySAVE Credit Card

SBI Card•Visa / RuPay / Mastercard•एसबीआई सिम्पलीसेव क्रेडिट कार्ड

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.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Standard Chartered Rewards+ Credit Card

SBI Card•Visa Platinum•स्टैंडर्ड चार्टर्ड रिवार्ड्स+ क्रेडिट कार्ड

Everyday retail rewards card offering 4X points on apparel & supermarkets and ₹60,000 spend-based fee waiver.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Lounge AccessNo complimentary airport lounge access is included on this starter card.

Reward: 4X Reward Points (4 points per ₹150 spent) on retail apparel and supermarket shopping. 1 Reward Point per ₹150 on other retail transactions.

Welcome: 1,000 bonus Reward Points credited upon card fee payment and first retail transaction within 30 days.

Fee Waiver: Spend ₹60,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Standard Chartered Smart Credit Card

SBI Card•Visa Platinum•स्टैंडर्ड चार्टर्ड स्मार्ट क्रेडिट कार्ड

Digital cashback card offering 2% cashback on all online spends, 1% on offline retail, and 0.99% monthly EMI rate.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

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.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsPremium

Verified MITC

Titan SBI Card

SBI Card•Visa•टाइटन एसबीआई कार्ड

Luxury retail credit card offering 3% value back on Tanishq jewelry, 7.5% on Titan/Fastrack/Taneira, 8 domestic + 4 Priority Pass lounge visits, and ₹15,000 milestone vouchers.

Joining / Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

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.

Verified 2026-09-28Full MITC & Terms

Unused Points Advisory: If you plan to close a credit card, you must redeem accumulated reward points prior to initiating the cancellation request. Once the card account is officially closed, all unredeemed reward points are forfeited permanently without cash compensation.