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
amex · AMEX
Amex Platinum Charge
TravelDining
Annual fee
₹60,000
Cashback
1.5%
Rewards
8%
Lounges
Unlimited
Value
au · VISA
AU Tejas
Fuel waiver
Annual fee
₹500
Cashback
10%
Rewards
2%
Lounges
0
Value
axis · VISA
Axis Airtel
Annual fee
₹500
Cashback
25%
Rewards
3%
Lounges
0
Value
axis · VISA
Axis Flipkart
Annual fee
₹500
Cashback
5%
Rewards
3%
Lounges
0
Premium
axis · VISA
Axis Magnus
TravelFuel waiverDining
Annual fee
₹12,500
Cashback
1%
Rewards
7%
Lounges
Unlimited
Premium
axis · VISA
Axis Reserve
TravelFuel waiverDining
Annual fee
₹50,000
Cashback
1.5%
Rewards
8%
Lounges
Unlimited
Premium
axis · VISA
Axis Vistara Infinite
TravelFuel waiverDining
Annual fee
₹10,000
Cashback
1%
Rewards
6%
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
Value
hdfc · VISA
HDFC Swiggy BLCK
Dining
Annual fee
₹1,000
Cashback
10%
Rewards
4%
Lounges
4
Value
hdfc · VISA
HDFC Swiggy Ornge
Dining
Annual fee
₹500
Cashback
5%
Rewards
3%
Lounges
0
Value
hdfc · RUPAY
HDFC Tata Neu Infinity
TravelFuel waiverDining
Annual fee
₹2,999
Cashback
3%
Rewards
5%
Lounges
12
Value
hsbc · MASTERCARD
HSBC Cashback
Dining
Annual fee
₹1,999
Cashback
10%
Rewards
3%
Lounges
4
Value
hsbc · MASTERCARD
HSBC Live+
Dining
Annual fee
₹1,499
Cashback
5%
Rewards
3%
Lounges
4
Premium
icici · VISA
ICICI Emeralde Private Metal
TravelFuel waiverDining
Annual fee
₹12,499
Cashback
1.5%
Rewards
6%
Lounges
Unlimited
Premium
icici · AMEX
ICICI Emirates Skywards Emerald
TravelDining
Annual fee
₹10,000
Cashback
1%
Rewards
6%
Lounges
20
Premium
idfc · VISA
IDFC First Gaj
TravelDining
Annual fee
₹12,500
Cashback
1%
Rewards
5%
Lounges
Unlimited
Value
kotak · MASTERCARD
Kotak Myntra
Annual fee
₹499
Cashback
5%
Rewards
3%
Lounges
0
Premium
rbl · MASTERCARD
RBL Insignia
TravelFuel waiverDining
Annual fee
₹9,999
Cashback
1.5%
Rewards
5%
Lounges
20
Value
rbl · MASTERCARD
RBL Zomato
Dining
Annual fee
₹499
Cashback
20%
Rewards
2%
Lounges
0
Premium
sbi · VISA
SBI AURUM
TravelFuel waiverDining
Annual fee
₹9,999
Cashback
1.5%
Rewards
6%
Lounges
Unlimited
Value
sbi · VISA
SBI Card ELITE
TravelFuel waiverDining
Annual fee
₹4,999
Cashback
1.5%
Rewards
5%
Lounges
18
Premium
stanchart · VISA
Standard Chartered Ultimate
TravelFuel waiverDining
Annual fee
₹15,000
Cashback
1.5%
Rewards
6%
Lounges
Unlimited
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
Premium
icici · VISA
ICICI Emeralde
TravelFuel waiverDining
Annual fee
₹12,000
Cashback
1%
Rewards
5%
Lounges
20
Premium
indusind · VISA
IndusInd Pinnacle
TravelFuel waiverDining
Annual fee
₹10,000
Cashback
1%
Rewards
5%
Lounges
20
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
idfc · VISA
IDFC Mayura
TravelFuel waiverDining
Annual fee
₹4,999
Cashback
1%
Rewards
4%
Lounges
18
Value
sbi · MASTERCARD
SBI Card ELITE Advantage
TravelFuel waiverDining
Annual fee
₹2,999
Cashback
1.25%
Rewards
4%
Lounges
12
Value
hdfc · VISA
HDFC Business Regalia
TravelFuel waiverDining
Annual fee
₹2,500
Cashback
1%
Rewards
4%
Lounges
12
Value
indusind · VISA
IndusInd Avios
TravelFuel waiverDining
Annual fee
₹4,999
Cashback
1%
Rewards
4%
Lounges
14
Premium
indusind · VISA
IndusInd Legend
TravelFuel waiverDining
Annual fee
₹5,000
Cashback
1%
Rewards
4%
Lounges
12
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
Value
hdfc · RUPAY
HDFC Tata Neu Plus
Fuel waiverDining
Annual fee
₹999
Cashback
2%
Rewards
3%
Lounges
4
Premium
hsbc · MASTERCARD
HSBC Premier
TravelDining
Annual fee
₹20,000
Cashback
0%
Rewards
3%
Lounges
Unlimited
Premium
icici · VISA
ICICI Emirates Skywards Sapphiro
TravelFuel waiverDining
Annual fee
₹5,000
Cashback
0.75%
Rewards
4%
Lounges
12
Value
axis · VISA
Axis Vistara Signature
TravelFuel waiver
Annual fee
₹3,000
Cashback
1%
Rewards
4%
Lounges
10
Value
hdfc · DINERS
HDFC Diners Club Privilege
TravelFuel waiverDining
Annual fee
₹2,500
Cashback
1%
Rewards
4%
Lounges
10
Value
hdfc · VISA
HDFC Marriott Bonvoy
TravelDining
Annual fee
₹3,000
Cashback
1%
Rewards
4%
Lounges
10
Value
hsbc · VISA
HSBC Travel One
TravelDining
Annual fee
₹2,999
Cashback
1%
Rewards
4%
Lounges
10
Value
icici · MASTERCARD
ICICI MakeMyTrip Signature
TravelFuel waiver
Annual fee
₹2,500
Cashback
1%
Rewards
4%
Lounges
10
Value
sbi · VISA
SBI Air India Signature
TravelFuel waiver
Annual fee
₹2,999
Cashback
1%
Rewards
4%
Lounges
10
Value
amex · AMEX
Amex Membership Rewards
Dining
Annual fee
₹4,500
Cashback
0.75%
Rewards
4.5%
Lounges
2
Value
hdfc · VISA
HDFC TimesPrime
Fuel waiverDining
Annual fee
₹1,500
Cashback
1.5%
Rewards
3%
Lounges
4
Value
sbi · VISA
SBI BPCL Octane
Fuel waiverDining
Annual fee
₹1,499
Cashback
1.5%
Rewards
3%
Lounges
4
Value
yes · MASTERCARD
YES Reserv
TravelFuel waiverDining
Annual fee
₹2,499
Cashback
0.75%
Rewards
3%
Lounges
18
Value
au · VISA
AU Royale
TravelFuel waiverDining
Annual fee
₹2,500
Cashback
1%
Rewards
3.5%
Lounges
10
Premium
union · RUPAY
Union Bank Nexteria (RuPay Ekaa)
TravelDining
Annual fee
₹12,499
Cashback
1%
Rewards
1%
Lounges
Unlimited
Value
yes · VISA
YES Premia
TravelFuel waiverDining
Annual fee
₹1,999
Cashback
1%
Rewards
3.5%
Lounges
10
Value
idfc · VISA
IDFC First Wealth
TravelFuel waiverDining
Annual fee
₹0
Cashback
0.75%
Rewards
2.5%
Lounges
20
Value
au · VISA
AU Laksya
TravelFuel waiverDining
Annual fee
₹1,000
Cashback
1%
Rewards
3%
Lounges
8
Value
hdfc · MASTERCARD
HDFC Paytm Cashback
Fuel waiver
Annual fee
₹500
Cashback
2.5%
Rewards
2%
Lounges
0
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
Value
amex · AMEX
Amex Gold Charge
Dining
Annual fee
₹4,500
Cashback
0.75%
Rewards
4%
Lounges
0
Value
axis · VISA
Axis Select
TravelFuel waiverDining
Annual fee
₹3,000
Cashback
1%
Rewards
3%
Lounges
10
Value
bob · VISA
BOB Etihad Guest
TravelFuel waiver
Annual fee
₹2,999
Cashback
1%
Rewards
3%
Lounges
6
Value
bob · VISA
BOB Premier
TravelFuel waiverDining
Annual fee
₹2,499
Cashback
1%
Rewards
3%
Lounges
10
Value
icici · MASTERCARD
ICICI Manchester United Signature
Fuel waiverDining
Annual fee
₹2,499
Cashback
1%
Rewards
3%
Lounges
6
Value
idfc · VISA
IDFC First Millennia
Fuel waiverDining
Annual fee
₹999
Cashback
1%
Rewards
3%
Lounges
4
Value
kotak · MASTERCARD
Kotak League Platinum
TravelFuel waiverDining
Annual fee
₹2,000
Cashback
1%
Rewards
3%
Lounges
6
Value
kotak · MASTERCARD
Kotak Royale Signature
TravelFuel waiverDining
Annual fee
₹1,500
Cashback
1%
Rewards
3%
Lounges
6
Value
rbl · MASTERCARD
RBL Mariner
TravelFuel waiverDining
Annual fee
₹1,999
Cashback
1%
Rewards
3%
Lounges
10
Value
sbi · VISA
SBI IndiGo
TravelFuel waiver
Annual fee
₹1,499
Cashback
1%
Rewards
3%
Lounges
6
Value
stanchart · VISA
Standard Chartered Priority
TravelFuel waiverDining
Annual fee
₹0
Cashback
1%
Rewards
3%
Lounges
10
Value
hdfc · VISA
HDFC MoneyBack+
Fuel waiverDining
Annual fee
₹500
Cashback
2%
Rewards
2%
Lounges
2
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
dbs · VISA
DBS Bank Visa Platinum
TravelFuel waiverDining
Annual fee
₹1,500
Cashback
0.75%
Rewards
3%
Lounges
6
Value
federal · VISA
Federal Signet
TravelFuel waiverDining
Annual fee
₹2,000
Cashback
0.75%
Rewards
3%
Lounges
10
Value
hsbc · VISA
HSBC Taj
TravelDining
Annual fee
₹0
Cashback
0.75%
Rewards
3%
Lounges
6
Value
indusind · MASTERCARD
IndusInd EazyDiner
Fuel waiverDining
Annual fee
₹1,500
Cashback
1%
Rewards
3%
Lounges
2
Value
indusind · MASTERCARD
IndusInd Tiger
Fuel waiverDining
Annual fee
₹1,500
Cashback
0.75%
Rewards
3%
Lounges
4
Value
rbl · MASTERCARD
RBL World Safari
TravelFuel waiverDining
Annual fee
₹3,000
Cashback
1%
Rewards
3%
Lounges
4
Value
sbi · MASTERCARD
SBI Yatra
TravelFuel waiver
Annual fee
₹999
Cashback
1%
Rewards
3%
Lounges
2
Value
yes · MASTERCARD
YES Prosperity
TravelFuel waiverDining
Annual fee
₹1,499
Cashback
0.75%
Rewards
3%
Lounges
6
Value
icici · MASTERCARD
ICICI MakeMyTrip Platinum
TravelFuel waiver
Annual fee
₹500
Cashback
0.75%
Rewards
3%
Lounges
2
Value
indusind · VISA
IndusInd Aura
Fuel waiverDining
Annual fee
₹1,500
Cashback
0.75%
Rewards
3%
Lounges
2
Value
stanchart · VISA
Standard Chartered Platinum Rewards
Fuel waiverDining
Annual fee
₹999
Cashback
0.75%
Rewards
3%
Lounges
2
Value
amex · AMEX
Amex SmartEarn
Annual fee
₹495
Cashback
1%
Rewards
3%
Lounges
0
Value
canara · MASTERCARD
Canara Bank Mastercard World
TravelFuel waiverDining
Annual fee
₹1,000
Cashback
0.75%
Rewards
2.5%
Lounges
6
Value
yes · VISA
YES Ace
Fuel waiverDining
Annual fee
₹999
Cashback
1%
Rewards
2.5%
Lounges
2
Value
au · VISA
AU Nouveau
Fuel waiverDining
Annual fee
₹999
Cashback
0.75%
Rewards
2.5%
Lounges
2
Value
sbi · VISA
SBI SimplyCLICK
Fuel waiver
Annual fee
₹499
Cashback
1%
Rewards
2.5%
Lounges
0
Value
amex · AMEX
Amex Membership Rewards Credit (MRCC)
Dining
Annual fee
₹1,500
Cashback
0.5%
Rewards
3%
Lounges
0
Value
federal · VISA
Federal Scapia
TravelFuel waiverDining
Annual fee
₹0
Cashback
1%
Rewards
2%
Lounges
2
Value
hdfc · VISA
HDFC IRCTC
TravelFuel waiver
Annual fee
₹500
Cashback
1%
Rewards
2%
Lounges
2
Value
rbl · MASTERCARD
RBL Play
Fuel waiverDining
Annual fee
₹999
Cashback
1%
Rewards
2%
Lounges
2
Value
rbl · RUPAY
RBL TVS
Fuel waiver
Annual fee
₹499
Cashback
1%
Rewards
2%
Lounges
2
Value
sbi · VISA
SBI IRCTC Platinum
TravelFuel waiver
Annual fee
₹499
Cashback
1%
Rewards
2%
Lounges
2
Value
kotak · MASTERCARD
Kotak Urbane
Fuel waiverDining
Annual fee
₹750
Cashback
0.75%
Rewards
2.5%
Lounges
0
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.