How should I choose the best credit card?
Choose based on your top spending category, annual fee tolerance, and whether you value cashback, reward points, or travel perks.
Compare Credit Cards
Discover cards by rewards, cashback, annual fee, lounge access, and spend profile. Designed for quick decision-making across mobile and desktop.
Quick Filters
Premium
axis · VISA
Axis Magnus
TravelFuel waiverDining
Annual fee
₹12,500
Cashback
1%
Rewards
7%
Lounges
Unlimited
Premium
hdfc · VISA
HDFC Infinia Metal
TravelDining
Annual fee
₹12,500
Cashback
3.3%
Rewards
3.3%
Lounges
Unlimited
Value
hdfc · VISA
HDFC Millennia
Fuel waiverDining
Annual fee
₹1,000
Cashback
5%
Rewards
4%
Lounges
4
Value
hdfc · VISA
HDFC Regalia Gold
TravelFuel waiverDining
Annual fee
₹2,500
Cashback
1.5%
Rewards
5%
Lounges
18
Premium
hdfc · DINERS
HDFC Diners Club Black
TravelFuel waiverDining
Annual fee
₹10,000
Cashback
1.2%
Rewards
3.3%
Lounges
Unlimited
Value
axis · VISA
Axis Ace
Fuel waiver
Annual fee
₹499
Cashback
5%
Rewards
1%
Lounges
4
Value
au · VISA
AU Zenith Plus
TravelFuel waiverDining
Annual fee
₹4,999
Cashback
1%
Rewards
4.5%
Lounges
24
Premium
yes · MASTERCARD
YES Marquee
TravelFuel waiverDining
Annual fee
₹9,999
Cashback
1%
Rewards
4.5%
Lounges
24
Value
sbi · MASTERCARD
SBI Card Prime
TravelFuel waiverDining
Annual fee
₹2,999
Cashback
1.25%
Rewards
5%
Lounges
12
Premium
axis · VISA
Axis Atlas
TravelFuel waiverDining
Annual fee
₹5,000
Cashback
1%
Rewards
5%
Lounges
20
Premium
amex · AMEX
Amex Platinum Travel
TravelDining
Annual fee
₹5,000
Cashback
0.8%
Rewards
5.5%
Lounges
8
Value
idfc · VISA
IDFC Diamond Reserve
TravelFuel waiver
Annual fee
₹3,000
Cashback
0.5%
Rewards
6.6%
Lounges
4
Value
sbm · VISA
SBM Paisabazaar Paisa+
Annual fee
₹499
Cashback
5%
Rewards
1%
Lounges
0
Value
kotak · VISA
Kotak White Reserve
TravelFuel waiverDining
Annual fee
₹3,000
Cashback
1%
Rewards
3.5%
Lounges
18
Value
kotak · MASTERCARD
Kotak Mojo
Fuel waiverDining
Annual fee
₹1,000
Cashback
0.75%
Rewards
2.5%
Lounges
0
Premium
hsbc · MASTERCARD
HSBC Premier
TravelDining
Annual fee
₹20,000
Cashback
0%
Rewards
3%
Lounges
Unlimited
Value
amex · AMEX
Amex Membership Rewards
Dining
Annual fee
₹4,500
Cashback
0.75%
Rewards
4.5%
Lounges
2
Value
yes · MASTERCARD
YES Reserv
TravelFuel waiverDining
Annual fee
₹2,499
Cashback
0.75%
Rewards
3%
Lounges
18
Premium
union · RUPAY
Union Bank Nexteria (RuPay Ekaa)
TravelDining
Annual fee
₹12,499
Cashback
1%
Rewards
1%
Lounges
Unlimited
Value
idfc · VISA
IDFC First Wealth
TravelFuel waiverDining
Annual fee
₹0
Cashback
0.75%
Rewards
2.5%
Lounges
20
Value
icici · VISA
ICICI Amazon Pay
Fuel waiver
Annual fee
₹0
Cashback
5%
Rewards
1%
Lounges
0
Value
sbi · VISA
SBI Cashback Card
Fuel waiver
Annual fee
₹999
Cashback
5%
Rewards
1%
Lounges
0
Premium
icici · MASTERCARD
ICICI Sapphiro
TravelFuel waiverDining
Annual fee
₹6,500
Cashback
0.75%
Rewards
3%
Lounges
12
Value
axis · RUPAY
Axis SuperMoney
Fuel waiver
Annual fee
₹0
Cashback
3%
Rewards
1%
Lounges
0
Value
rbl · MASTERCARD
RBL World Safari
TravelFuel waiverDining
Annual fee
₹3,000
Cashback
1%
Rewards
3%
Lounges
4
Value
amex · AMEX
Amex SmartEarn
Annual fee
₹495
Cashback
1%
Rewards
3%
Lounges
0
Value
sbi · VISA
SBI SimplyCLICK
Fuel waiver
Annual fee
₹499
Cashback
1%
Rewards
2.5%
Lounges
0
Value
icici · AMEX
ICICI Rubyx
TravelFuel waiverDining
Annual fee
₹3,000
Cashback
0.5%
Rewards
2.5%
Lounges
6
Value
au · VISA
AU LIT
Fuel waiver
Annual fee
₹0
Cashback
1%
Rewards
2%
Lounges
0
Value
idfc · VISA
IDFC First Select
Fuel waiverDining
Annual fee
₹0
Cashback
0.5%
Rewards
2%
Lounges
4
Value
au · VISA
CheQ AU (LED card)
Fuel waiver
Annual fee
₹999
Cashback
1%
Rewards
1%
Lounges
2
How Craydit Ranks Credit Cards
Craydit ranking balances cashback yield, reward conversion potential, annual fee value, lounge access, and travel utility. We evaluate both premium and entry-level cards to support different income profiles.
We also compare effective value after fees, milestone benefits, and practical usability in India. This helps avoid over-optimizing for headline rewards while missing real annual cost.
Credit Card FAQs
Is a lifetime free credit card always better?
Not always. Paid cards can offer stronger rewards and benefits that outweigh the annual fee for high spenders.
What is a good forex markup for travel cards?
Cards with forex markup around 0% to 2% are usually considered strong for frequent international spenders.