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:
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 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
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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