INDIA CREDIT-CARD COMPARISON

Find a card that fits how you spend.

See benefits, fees and eligibility in one place. Choose your priorities and explore the cards that match.

Explore cards →Get recommendations

Clear fees · Card-specific review dates · Independent explanations

QUICK CARD FINDER

What matters to you?

Pick a priority. We’ll guide you to a shortlist.

CashbackMoney backTravelTravel benefitsShoppingOnline shoppingUPI & RuPayEveryday paymentsFuelAt the fuel pumpRewardsPoints & perks
Not sure? Help me choose →No phone number or card details needed.

START WITH YOUR PRIORITY

Cashback Fuel Rewards Shopping Travel UPI & RuPay

BROWSE BY ISSUER

Cards from India's leading issuers

Pick a bank to see only its cards in the catalogue.

View all 51 cards →
10 cards 11 cards 8 cards 6 cards 3 cards 2 cards
Browse all 16 issuers
AU Small Finance Bank 2Axis Bank 11BOBCARD 1DCB 1HDFC Bank 10HSBC 1IDFC FIRST Bank 6IndusInd Bank 3Kotak Mahindra Bank 2RBL Bank 1RoarBank 1SBI Card 8SBM 1Scapia 1Uni 1Yes Bank 1

CARDS WORTH EXPLORING

Popular cards

Eight CardDecode editorial picks across cashback, shopping, rewards, fuel and travel. Order is a starting point, not a sales ranking.

SBI Cashback Credit Card promotional card visual
SBICashback

SBI Cashback Credit Card

Cashback on eligible online and offline spending.

Annual fee₹999 + GST from year two
Top benefitCashback is advertised on eligible online transactions
Also offersEligible offline spends earn a lower cashback rate
Quick view
Key benefits
  • Cashback is advertised on eligible online transactions
  • Eligible offline spends earn a lower cashback rate
  • Combined cashback has a monthly statement cap

Eligibility: Age 21–65; minimum income ₹30,000 (period not stated)

See fees, eligibility & all details Apply now
HDFC Millennia Credit Card promotional card visual
HDFC BankCashback

HDFC Millennia Credit Card

Built for online shoppers, foodies and frequent flyers.

Annual fee₹1,000 + GST
Top benefitCashback is advertised on selected online merchants, subject to billing-cycle caps
Also offersOther eligible spends earn a separate cashback rate
Quick view
Key benefits
  • Cashback is advertised on selected online merchants, subject to billing-cycle caps
  • Other eligible spends earn a separate cashback rate
  • Quarterly spend milestones can unlock gift vouchers

Eligibility: Age 21–40; salaried income ₹35,000/month or self-employed ITR above ₹6,00,000/year

See fees, eligibility & all details Apply now
Axis Flipkart Credit Card promotional card visual
Axis BankCashback

Axis Flipkart Credit Card

Accelerated cashback across favourite categories.

Annual fee₹500 + GST from year two
Top benefitCashback is advertised on Flipkart, Cleartrip, Myntra and selected partners
Also offersRates, quarterly caps and eligible merchants vary
Quick view
Key benefits
  • Cashback is advertised on Flipkart, Cleartrip, Myntra and selected partners
  • Rates, quarterly caps and eligible merchants vary
  • Fuel surcharge waiver is subject to transaction limits and a cap

Eligibility: Age 21–65; salaried income ₹25,000/month or self-employed ITR above ₹3,60,000/year

See fees, eligibility & all details Apply now
SBI Simply Click Credit Card promotional card visual
SBIShopping

SBI Simply Click Credit Card

Entry-level card designed for internet purchases.

Annual fee₹499 + GST from year two
Top benefitAccelerated reward points are advertised at select online partners
Also offersOther online spends earn a lower reward rate than partner spends
Quick view
Key benefits
  • Accelerated reward points are advertised at select online partners
  • Other online spends earn a lower reward rate than partner spends
  • Offline reward rate is lower; reward-point value depends on redemption

Eligibility: Age 21–65; minimum income ₹25,000 (period not stated)

See fees, eligibility & all details Apply now
IDFC FIRST WOW Credit Card promotional card visual
IDFC FIRSTTravel

IDFC FIRST WOW Credit Card

Lifetime-free credit card.

Annual feeNil
Top benefitThe credit limit is linked to the fixed deposit; income proof is not required per the offer page
Also offersZero forex markup is advertised for eligible international transactions
Quick view
Key benefits
  • Lifetime-free, fixed-deposit-backed card is advertised
  • The credit limit is linked to the fixed deposit; income proof is not required per the offer page
  • Zero forex markup is advertised for eligible international transactions

Eligibility: New-to-credit allowed; fixed deposit of ₹20,000 or more described in benefits

See fees, eligibility & all details Apply now
SBI BPCL Credit Card promotional card visual
SBIFuel

SBI BPCL Credit Card

Fuel-focused benefits.

Annual fee₹499 + GST from year two
Top benefitEarn accelerated reward points on eligible BPCL fuel spends
Also offersDining, grocery, movie and departmental-store spends have a separate reward rate
Quick view
Key benefits
  • Earn accelerated reward points on eligible BPCL fuel spends
  • Dining, grocery, movie and departmental-store spends have a separate reward rate
  • Welcome reward points require card activation and qualifying terms

Eligibility: Age 21–65; income ₹30,000/month

See fees, eligibility & all details Apply now
Scapia Co-Branded Credit Card promotional card visual
ScapiaTravel

Scapia Co-Branded Credit Card

Travel-focused credit-card benefits.

Annual feeNil
Top benefitZero forex markup is advertised for eligible international transactions
Also offersDomestic lounge access requires the stated monthly card spend
Quick view
Key benefits
  • No joining or annual fee is advertised
  • Zero forex markup is advertised for eligible international transactions
  • Domestic lounge access requires the stated monthly card spend

Eligibility: Age 23–40; salaried income ₹30,000/month or self-employed income ₹4,00,000/year

See fees, eligibility & all details Apply now
BOBCARD Eterna Credit Card promotional card visual
BOBCARDTravel

BOBCARD Eterna Credit Card

Travel and lounge benefits with a low forex markup.

Annual fee₹2,499 + GST
Top benefitUp to 15 reward points per ₹100 on eligible categories; reward caps and exclusions apply
Also offersDomestic airport lounge access subject to spend criteria
Quick view
Key benefits
  • First-year-free offer is advertised
  • Up to 15 reward points per ₹100 on eligible categories; reward caps and exclusions apply
  • Domestic airport lounge access subject to spend criteria

Eligibility: Age 21–65; salaried or self-employed

See fees, eligibility & all details Apply now
Browse all 51 cards →

BEYOND THE APPLICATION

Useful tools for your next decision

01 / TRAVEL

Airport & railway lounge directory

Explore terminal and platform listings, venue photos and reported facilities. Check current access rules before travel.

Explore lounges →02 / LEARN

Plain-English credit card guides

Understand fees, reward caps and access rules before you choose a card.

Read guides →03 / HELP IMPROVE

Spot something outdated?

Send a private suggestion from any card page. Every correction is reviewed before the date is changed.

How to contact us →

STAY INFORMED

Guides, news & offer updates

Understand card terms and read dated offer summaries. Always check the live issuer terms before acting.

News & offersChanges and time-limited promotions →Practical guidesFees, rewards and lounge access →

THE CARD WEEK

Recent card updates, clearly explained

All news & offers →
Editorial illustration

SOURCE 26 October 2026 · SHOPPING OFFERS

HDFC × Acerpure: 5% cashback, up to ₹10,000, on eligible EasyEMI purchases

A current appliance offer with a ₹30,000 minimum purchase and specific EMI tenures. Here is how to compare the cashback with the final bill.

Read the summary →
Editorial illustration

SOURCE 26 October 2026 · SHOPPING OFFERS

HDFC × Blue Star: check the up to ₹4,000 EasyEMI cashback offer

Selected air conditioners qualify under an October–November promotion. The minimum transaction, six-month tenure and card exclusions matter.

Read the summary →
Editorial illustration

SOURCE 26 October 2026 · TRAVEL OFFERS

HSBC’s temporary 0% forex-markup offer runs until 31 October

Eligible foreign-currency purchases can receive a markup waiver. Posting date and the distinction between currency conversion and other charges are the details to watch.

Read the summary →

HELP US IMPROVE

Spot an error or have an idea?

Send a private correction or suggestion. We review it before changing published card facts. Please never share card numbers, OTPs or passwords.

Your message is private and not published. See our Privacy Policy.

How CardDecode works

We organise card features, fees and eligibility into a clearer comparison and show the date each card was reviewed. Some application links are affiliate links, which may compensate us. An affiliate relationship never decides approval or final bank terms.

Read our affiliate disclosure