Compare Premium Credit Cards
Maximize your rewards, cashback, and travel perks based on your spending habits.
Est. Monthly Spend
₹35,000
₹5,000
₹2,00,000
Filter by Benefit:
Swiggy HDFC Bank Credit Card
Cashback
4.7
Verified Product
Key Card Highlights
- 10% Cashback on Swiggy
- 5% Cashback on Amazon/Flipkart
Fee (Joining / Annual)
₹₹500 + GST / ₹500 + GST
Est. Net Savings (Yr)
₹0
Cashback SBI Credit Card
4.8
Verified Product
Key Card Highlights
- 5% Cashback on Online Spends
- 1% Offline Cashback
Fee (Joining / Annual)
₹₹999 + GST / ₹999 + GST
Est. Net Savings (Yr)
₹0
Amazon Pay ICICI Credit Card
5
Verified Product
Key Card Highlights
- 5% Prime Cashback
- 2% Partner Spends
Fee (Joining / Annual)
₹Lifetime Free / Lifetime Free
Est. Net Savings (Yr)
₹0
Axis Bank Atlas Credit Card
4.9
Verified Product
Key Card Highlights
- Tiered Miles benefits
- Airport Concierge
Fee (Joining / Annual)
₹₹5,000 + GST / ₹5,000 + GST
Est. Net Savings (Yr)
₹0
HDFC Regalia Gold Credit Card
4.7
Verified Product
Key Card Highlights
- Milestone Flight Vouchers
- Priority Pass
Fee (Joining / Annual)
₹₹2,500 + GST / ₹2,500 + GST
Est. Net Savings (Yr)
₹0
Scapia Federal Credit Card
4.7
Verified Product
Key Card Highlights
- Zero Forex Markup
- Unlimited Domestic Lounge
Fee (Joining / Annual)
₹Lifetime Free / Lifetime Free
Est. Net Savings (Yr)
₹0
Airtel Axis Bank Credit Card
4.8
Verified Product
Key Card Highlights
- 25% on Airtel
- 10% on Utility
Fee (Joining / Annual)
₹₹500 + GST / ₹500 + GST
Est. Net Savings (Yr)
₹0
Tata Neu Infinity HDFC
4.7
Verified Product
Key Card Highlights
- 10% on Neu App
- 1.5% UPI Spends
Fee (Joining / Annual)
₹₹1,499 + GST / ₹1,499 + GST
Est. Net Savings (Yr)
₹0
BPCL SBI Card Octane
4.6
Verified Product
Key Card Highlights
- 25X Rewards on Fuel
- 10X Rewards on Dining
Fee (Joining / Annual)
₹₹1,499 + GST / ₹1,499 + GST
Est. Net Savings (Yr)
₹0
HDFC Infinia Metal Edition
5
Verified Product
Key Card Highlights
- Unlimited Worldwide Lounge
- ITC Stays
Fee (Joining / Annual)
₹₹12,500 + GST / ₹12,500 + GST
Est. Net Savings (Yr)
₹0
Axis Bank ACE Credit Card
Utility Bills
4.8
Verified Product
Key Card Highlights
- 5% on GPay Bills
- 4% Swiggy/Zomato
Fee (Joining / Annual)
₹₹499 + GST / ₹499 + GST
Est. Net Savings (Yr)
₹0
IndusInd Legend Credit Card
4.3
Verified Product
Key Card Highlights
- BOGO BookMyShow
- Domestic Lounge
Fee (Joining / Annual)
₹Nil / Lifetime Free
Est. Net Savings (Yr)
₹0
SBI SimplySAVE UPI RuPay
4.5
Verified Product
Key Card Highlights
- UPI Enabled
- 10X Rewards on Grocery/Movies
Fee (Joining / Annual)
₹₹499 + GST / ₹499 + GST
Est. Net Savings (Yr)
₹0
Axis Bank Horizon Credit Card
4.7
Verified Product
Key Card Highlights
- 5% Travel Earnings
- 8 Lounges/Quarter
Fee (Joining / Annual)
₹₹3,000 + GST / ₹3,000 + GST
Est. Net Savings (Yr)
₹0
Niyo Global Equitas
4.8
Verified Product
Key Card Highlights
- Zero Forex Fee
- Integrated high-interest account
Fee (Joining / Annual)
₹Zero / Zero Annual/Joining
Est. Net Savings (Yr)
₹0
SBI Card PRIME
4.6
Verified Product
Key Card Highlights
- Milestone vouchers
- 10X Rewards
Fee (Joining / Annual)
₹₹2,999 + GST / ₹2,999 + GST
Est. Net Savings (Yr)
₹0
IndianOil Axis Premium
4.4
Verified Product
Key Card Highlights
- Fuel valueback
- Lounge access
Fee (Joining / Annual)
₹₹1,000 + GST / ₹1,000 + GST
Est. Net Savings (Yr)
₹0
Axis Bank Magnus
Luxury Spenders
4.9
Verified Product
Key Card Highlights
- Monthly Milestones
- 8 VIP Concierge visits
Fee (Joining / Annual)
₹₹12,500 + GST / ₹12,500 + GST
Est. Net Savings (Yr)
₹0
IDFC FIRST Millennia Credit Card
4.6
Verified Product
Key Card Highlights
- 3X RP up to ₹20k
- 10X RP above ₹20k
Fee (Joining / Annual)
₹Nil / Lifetime Free
Est. Net Savings (Yr)
₹0
EazyDiner IndusInd Platinum
4.5
Verified Product
Key Card Highlights
- 2 RP per ₹100 spent
- EazyDiner Prime access
Fee (Joining / Annual)
₹Lifetime Free / Lifetime Free
Est. Net Savings (Yr)
₹0
IDFC FIRST Select Credit Card
4.4
Verified Product
Key Card Highlights
- 3 RP up to ₹20k
- 10 RP above ₹20k
Fee (Joining / Annual)
₹Nil / Lifetime Free
Est. Net Savings (Yr)
₹0
Axis Bank Neo Credit Card
4.2
Verified Product
Key Card Highlights
- Zomato/Myntra discounts
- 10% off BookMyShow
Fee (Joining / Annual)
₹Lifetime Free / Lifetime Free
Est. Net Savings (Yr)
₹0
AU Bank LIT Credit Card
4.5
Verified Product
Key Card Highlights
- Customizable features
- Cashback boosters
Fee (Joining / Annual)
₹Lifetime Free / Lifetime Free
Est. Net Savings (Yr)
₹0
Axis Bank SuperMoney RuPay
4.8
Verified Product
Key Card Highlights
- 3% on super.money app
- 1% on other spends
Fee (Joining / Annual)
₹Lifetime Free / Lifetime Free
Est. Net Savings (Yr)
₹0
Tata Neu Plus HDFC Bank
4.6
Verified Product
Key Card Highlights
- 2% on Tata Brands
- 5% on Tata Neu App
Fee (Joining / Annual)
₹₹499 + GST / ₹499 + GST
Est. Net Savings (Yr)
₹0
IndusInd Bank Platinum RuPay
4.5
Verified Product
Key Card Highlights
- 2 RP on UPI
- 1 RP on non-UPI
Fee (Joining / Annual)
₹Nil / Lifetime Free
Est. Net Savings (Yr)
₹0
Axis My Zone Credit Card
4.3
Verified Product
Key Card Highlights
- Free SonyLiv Subscription
- BOGO Movies on Paytm
Fee (Joining / Annual)
₹₹500 + GST / ₹500 + GST (Offer: LTF)
Est. Net Savings (Yr)
₹0
ixigo AU Credit Card
4.7
Verified Product
Key Card Highlights
- Zero Forex Markup
- International Lounge access
Fee (Joining / Annual)
₹Nil / Nil (Limited Time)
Est. Net Savings (Yr)
₹0
BOBCARD Easy Credit Card
4.4
Verified Product
Key Card Highlights
- 5X on Movies/Groceries
- 0.5% bill payment cashback
Fee (Joining / Annual)
₹Nil / Nil (Limited Time)
Est. Net Savings (Yr)
₹0
HDFC Bank RuPay IRCTC
4.5
Verified Product
Key Card Highlights
- 5X on IRCTC
- 1 RP other spends
Fee (Joining / Annual)
₹₹500 + GST / ₹500 + GST
Est. Net Savings (Yr)
₹0
IDFC HPCL FIRST Power
4.2
Verified Product
Key Card Highlights
- 5% on Fuel
- 2.5% on Utility/Grocery
Fee (Joining / Annual)
₹₹199 + GST / ₹199 + GST
Est. Net Savings (Yr)
₹0
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Club Vistara IDFC FIRST Bank
Travel
4.8
Verified Product
Key Card Highlights
- Premium Economy Ticket
- Vistara Silver Membership
Fee (Joining / Annual)
₹₹4,999 + GST / ₹4,999 + GST
Est. Net Savings (Yr)
₹0
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IDFC FIRST Bank Wow
Students
4.7
Verified Product
Key Card Highlights
- FD-backed
- No Credit Score needed
Fee (Joining / Annual)
₹Free / Free
Est. Net Savings (Yr)
₹0
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American Express SmartEarn
Rewards
4.5
Verified Product
Key Card Highlights
- 10X Rewards on Zomato/Uber
- 5X Rewards on Amazon/Flipkart
Fee (Joining / Annual)
₹₹495 + GST / ₹495 + GST
Est. Net Savings (Yr)
₹0
Credit Card Knowledge Hub
Frequently Asked Questions About Credit Cards in India
Expert answers curated by CompareMoney research analysts to help you choose, maximize, and manage credit cards without unnecessary fees.
Which is the best credit card for beginners in India?
For first-time applicants, Lifetime Free (LTF) credit cards like Amazon Pay ICICI, HDFC MoneyBack+, and Axis Neo are ideal. They charge zero joining and annual fees while rewarding everyday grocery, utility bill payments, and online shopping with straightforward statement cashback.
How do I get a Lifetime Free (LTF) credit card?
Banks routinely offer lifetime free credit cards to customers with stable credit profiles (CIBIL score above 750), salaried accounts held with the bank, or via promotional festival campaigns. Some cards also convert to lifetime free upon meeting a modest annual spend milestone (e.g., ₹50,000 to ₹1,00,000).
What is the minimum CIBIL score needed for credit card approval?
Most Indian banks (HDFC, SBI, ICICI, Axis Bank) require a minimum CIBIL credit score of 720 to 750 for quick online approval. A credit score of 780 or higher significantly improves your approval odds for high-limit premium cards and lowers documentation hurdles.
Which credit cards offer complimentary airport lounge access?
Cards such as HDFC Regalia Gold, ICICI Sapphiro, Axis Atlas, and SBI Card PRIME offer complimentary domestic airport lounge access across major Indian terminals (Delhi, Mumbai, Bengaluru, etc.). Premium variants additionally include Priority Pass or Dreamfolks cards for international lounge visits. Note that many banks now require meeting a quarterly spend threshold (e.g., ₹35,000–₹50,000) to unlock lounge vouchers.
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