The right credit card can earn you hundreds in rewards per year, give you travel perks worth far more than the annual fee, and provide purchase protections you didn't know you needed. We reviewed the top options available in India to help you find the right fit.
Our Top Picks for India
HDFC Bank
HDFC Bank Regalia Gold Credit Card
Best premium rewards card in India
Welcome Offer: 5,000 reward points on activation + annual fee waiver on ₹5L spend.
5 reward points per ₹150 on travel and dining
Complimentary airport lounge access — 12 visits/year
Milestone benefits on high spending
No forex markup (with international travel)
Comprehensive travel insurance
Axis Bank
Axis Bank Ace Credit Card
Best cashback card in India
Welcome Offer: Flat ₹500 gift voucher on first transaction.
5% cashback on Google Pay bill payments
4% on Swiggy, Zomato, and Ola
2% unlimited cashback on all other purchases
No cap on cashback
Accepted on Visa network globally
State Bank of India
SBI SimplyCLICK Credit Card
Best for online shopping in India
Welcome Offer: Amazon gift card worth ₹500 on joining.
10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart
5x rewards on all other online spends
Free cleartrip voucher on ₹2L annual spend
Annual fee waiver on ₹1L spend
SBI's massive acceptance network
ICICI Bank
ICICI Bank Amazon Pay Credit Card
Best for Amazon Prime members
Welcome Offer: ₹3,000 Amazon Pay gift card on card activation.
5% cashback on Amazon for Prime members
3% cashback on Amazon for non-Prime
2% on paying utility bills and Amazon Pay merchants
1% on all other spends
Lifetime free — no annual fee ever
American Express
Amex Membership Rewards Credit Card
Best for international travel & rewards
Welcome Offer: 4,000 bonus Membership Rewards points after 3 transactions in 60 days.
1 MR point per ₹50 spent
18 MR points with Amex Travel Partners
Transfer points to Taj InnerCircle and Marriott Bonvoy
Lounge access with select variants
Strong global acceptance
Axis Bank
Flipkart Axis Bank Credit Card
Best for Flipkart and online shopping
Welcome Offer: Welcome vouchers worth ₹500 from Flipkart.
5% cashback on Flipkart purchases
4% on Myntra and 2GUD
1.5% unlimited cashback everywhere else
No cap on cashback
Accepted on Visa network
HDFC Bank
HDFC Bank Millennia Credit Card
Best for millennials and digital spenders
Welcome Offer: CashPoints worth ₹1,000 on first spend.
5% cashback on Amazon, Flipkart, and partner sites
1% cashback on all other purchases
Contactless payments supported
Annual fee waiver on ₹1L annual spend
Milestone bonus CashPoints
HDFC Bank
Tata Neu HDFC Bank Credit Card
Best for Tata ecosystem rewards
Welcome Offer: 10,000 NeuCoins welcome bonus.
10% NeuCoins on Tata Neu apps (AirAsia, Westside, BigBasket)
5% NeuCoins on non-Tata eligible purchases
Airport lounge access
NeuCoins redeemable across full Tata ecosystem
Zero liability on lost card
State Bank of India
BPCL SBI Credit Card
Best for fuel cashback in India
Welcome Offer: 2,000 activation bonus reward points.
13x rewards on fuel at BPCL stations
10x rewards on groceries and dining
1% fuel surcharge waiver
Annual fee waiver on target spend
SBI Card’s massive acceptance across India
How We Chose These Cards
We evaluated cards on annual fees versus ongoing value, sign-up bonus attainability, reward earn rates on common spending categories, interest rates, additional benefits (travel credits, insurance, lounge access), and customer service reputation. Data is localised for India.
How to Choose the Right Card for You
Start by identifying your primary spending categories and your goal — whether that's cash back simplicity, maximising travel rewards, or paying down existing debt. Then match those priorities to the relevant card features. A card with a high annual fee is only worth it if you actually use enough of the benefits to offset the cost.
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