Where do your figures come from?

From each bank's own card pages, Most Important Terms and Conditions (MITC) and Key Fact Statements, read on the date shown.

Do the fees include GST?

No. Indian banks quote card fees before GST, which is charged at 18% on top, and we show the fee as the bank states it.

Will comparing cards affect my CIBIL score?

No. Comparing on our site has no effect on your credit score. A bureau check happens only when you apply with a bank.

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Compare 94 credit cards

Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Annual fee	Purchase rate	Rewards program	Sign-up bonus	Interest-free days
IDFC FIRST BankStandard •••• •••• •••• •••• Credit Card Compare	FIRST Classic Credit Card	₹0	43.80% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
	FIRST WOW! Credit Card	₹0	43.80% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
IDFC FIRST BankSignature •••• •••• •••• •••• Credit Card Compare	FIRST Wealth Credit Card	₹0	43.80% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
	Cookies Credit Card	₹100	47.88% p.a.	RBL Bank Reward Points	—	Up to 50	Application
Axis BankPlatinum •••• •••• •••• •••• Credit Card CompareVisa	MY ZONE EASY Credit Card	₹500	49.36% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application
	IDFC FIRST Millennia Credit Card	₹0	46.20% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
HDFC Bank •••• •••• •••• •••• Credit Card Compare	PIXEL Play Credit Card	₹500	45.00% p.a.	—	—	Up to 50	Application60 second approval
	Swiggy HDFC Bank Credit Card	₹500	45.00% p.a.	—	—	Up to 50	Application
	Gaj: Credit Card	₹12,500	43.80% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
	Amazon Pay ICICI Bank Credit Card	₹0	45.00% p.a.	Amazon Pay ICICI Bank rewards (credited as Amazon Pay balance)	—	Up to 48	Application
Kotak Mahindra Bank •••• •••• •••• •••• Credit Card CompareRuPay	Dream Different Credit Card	₹250	45.00% p.a.	—	—	Up to 51	Application
Kotak Mahindra Bank •••• •••• •••• •••• Credit Card Compare	Kotak Cashback+ Prime Credit Card	₹750	45.00% p.a.	—	—	Up to 51	Application
	Samsung Axis Bank Signature Credit Card	₹500	45.00% p.a.	Axis Bank EDGE Rewards	2,500 pts	Up to 50	Application
HDFC BankBlack •••• •••• •••• •••• Credit Card CompareDiners Club	Diners Club Black Metal Edition Credit Card	₹10,000	23.88% p.a.	HDFC Bank Reward Points	—	Up to 50	Application
	Flipkart Axis Bank Credit Card	₹0	55.55% p.a.	—	—	Up to 50	Application
	Airtel Axis Bank Credit Card	₹500	45.00% p.a.	—	—	Up to 50	Application
	Fibe Axis Bank Credit Card	₹0	45.00% p.a.	—	—	Up to 50	Application
	Diners Club Privilege Credit Card	₹1,000	45.00% p.a.	HDFC Bank Reward Points	—	Up to 50	Application
	Cashback SBI Card	₹999	45.00% p.a.	—	—	Up to 50	Application
	Axis Bank ACE Credit Card	₹499	45.00% p.a.	—	—	Up to 50	Application
IndusInd BankPlatinum •••• •••• •••• •••• Credit Card Compare	Platinum Aura Edge Visa/Mastercard Credit Card	₹0	47.40% p.a.	IndusInd Bank Reward Points	—	Not published	Application
	Axis Bank Privilege Credit Card	₹0	45.00% p.a.	Axis Bank EDGE Rewards	12,500 pts	Up to 50	Application
Kotak Mahindra Bank •••• •••• •••• •••• Credit Card CompareRuPay	Kotak UPI RuPay Credit Card	₹0	45.00% p.a.	Kotak Rewards	—	Up to 51	Application
	Tata Neu Infinity HDFC Bank Credit Card	₹1,499	45.00% p.a.	NeuCoins (Tata Neu)	1,499 pts	Up to 50	Application
	IndusInd Bank Tiger Credit Card	₹0	42.00% p.a.	IndusInd Bank Reward Points	—	Not published	Application
Axis Bank •••• •••• •••• •••• Credit Card CompareAmerican Express	REWARDS Credit Card	₹0	55.55% p.a.	Axis Bank EDGE Rewards	5,000 pts	Up to 50	Application
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express	American Express SmartEarn™ Credit Card	₹495	42.00% p.a.	Membership Rewards	500 pts	Up to 48	Application
	ICICI Bank Parakram Credit Card	₹0	45.00% p.a.	ICICI Bank reward points	—	Up to 48	Application
	Pride Signature Credit Card	₹0	55.55% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application
	PVR INOX Kotak Credit Card	₹0	45.00% p.a.	—	—	Up to 51	Application
	HSBC RuPay Platinum Credit Card	₹0	45.00% p.a.	HSBC Reward Points	—	Up to 48	Application
	LIC Axis Bank Signature Credit Card	₹0	45.00% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application
IndusInd BankPlatinum •••• •••• •••• •••• Credit Card CompareRuPay	CRED IndusInd Bank RuPay Credit Card	₹0	47.40% p.a.	CRED Reward Points	—	Not published	Application
Axis BankSignature •••• •••• •••• •••• Credit Card Compare	Axis HORIZON Credit Card	₹3,000	55.55% p.a.	Axis Bank EDGE Miles	5,000 pts	Up to 50	Application
	Axis Bank Kwik Credit Card	₹0	44.40% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application60 second approval
	FIRST Private Credit Card	₹50,000	9.00% p.a.	IDFC FIRST Bank Reward Points	50,000 pts	Up to 45	Application
	HSBC RuPay Cashback Credit Card	₹499	45.00% p.a.	—	—	Up to 45	Application
	IndianOil Axis Bank Credit Card	₹500	55.55% p.a.	Axis Bank EDGE Rewards	1,250 pts	Up to 50	Application
Axis BankPlatinum •••• •••• •••• •••• Credit Card Compare	LIC Axis Bank Platinum Credit Card	₹0	55.55% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application
	Kotak Cashback+ Credit Card	₹750	45.00% p.a.	—	—	Up to 51	Application
	Axis Bank Cashback Credit Card	₹1,000	55.55% p.a.	—	1,000 pts	Up to 50	Application
	HSBC Live+ Credit Card	₹999	45.00% p.a.	—	1,000 pts	Up to 45	Application
Axis BankPlatinum •••• •••• •••• •••• Credit Card Compare	Axis Bank Pride Platinum Credit Card	₹0	45.00% p.a.	Axis Bank EDGE Rewards	—	Up to 23	Application
	Icon Credit Card	₹5,000	47.88% p.a.	RBL Bank Reward Points	20,000 pts	Up to 50	Application
Axis BankPlatinum •••• •••• •••• •••• Credit Card Compare	IndianOil Axis Bank Premium Credit Card	₹1,000	45.00% p.a.	Axis Bank EDGE Miles	500 pts	Up to 50	Application
HSBCPlatinum •••• •••• •••• •••• Credit Card CompareVisa	HSBC Visa Platinum Credit Card	₹0	45.00% p.a.	HSBC Reward Points	2,000 pts	Up to 48	Application
	HDFC Bank Millennia Credit Card	₹1,000	45.00% p.a.	—	1,000 pts	Up to 50	Application
	ICICI Bank Coral Credit Card	₹500	45.00% p.a.	ICICI Bank reward points	—	Up to 48	Application
	Axis Bank Shoppers Stop Credit Card	₹500	55.55% p.a.	First Citizen (Shoppers Stop)	—	Up to 50	Application
	IndusInd Bank Samman RuPay Credit Card	₹0	47.40% p.a.	—	—	Not published	Application
	HDFC Bank Regalia Gold Credit Card	₹2,500	45.00% p.a.	HDFC Bank Reward Points	—	Up to 50	Application
Axis BankPlatinum •••• •••• •••• •••• Credit Card CompareMastercard	Privilege Easy Credit Card	₹1,500	49.36% p.a.	Axis Bank EDGE Rewards	12,500 pts	Not published	Application
Axis Bank •••• •••• •••• •••• Credit Card Compare	Flipkart Axis Bank Super Elite Credit Card	₹500	45.00% p.a.	SuperCoins (Flipkart)	500 pts	Up to 50	Application
	IndiGo Axis Bank Credit Card	₹0	45.00% p.a.	IndiGo BluChips	1,200 pts	Up to 50	Application
	Axis Bank Magnus Credit Card	₹12,500	42.58% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application
	Axis Bank Atlas Credit Card	₹5,000	55.55% p.a.	Axis Bank EDGE Miles	2,500 pts	Up to 50	Application
	Platinum Maxima Plus Credit Card	₹2,500	47.88% p.a.	RBL Bank Reward Points	10,000 pts	Up to 50	Application
	Legend Credit Card	₹5,000	47.40% p.a.	IndusInd Bank Reward Points	3,000 pts	Not published	Application
	IndusInd Bank Pioneer Legacy Credit Card	₹50,000	46.00% p.a.	IndusInd Bank Reward Points	4,000 pts	Not published	Application
HDFC BankSignature •••• •••• •••• •••• Credit Card Compare	Doctor's Regalia Credit Card	₹2,500	45.00% p.a.	HDFC Bank Reward Points	2,500 pts	Up to 50	Application
	SpiceJet Axis Bank Voyage Black Credit Card	₹2,000	45.00% p.a.	SpiceClub Points	—	Up to 50	Application
	EazyDiner IndusInd Bank Platinum Credit Card	₹0	46.00% p.a.	IndusInd Bank Reward Points	500 pts	Not published	Application
	IndusInd Bank Nexxt Credit Card	₹10,000	46.00% p.a.	IndusInd Bank Reward Points	—	Not published	Application
	SBI Card PRIME	₹2,999	45.00% p.a.	SBI Card Reward Points	—	Up to 50	Application
	Axis Bank Select Credit Card	₹3,000	45.00% p.a.	Axis Bank EDGE Rewards	10,000 pts	Up to 50	Application
IDFC FIRST Bank •••• •••• •••• •••• Credit Card Compare	IDFC FIRST Bank FIRST Power+ Credit Card	₹499	43.80% p.a.	IDFC FIRST Bank Reward Points	2,500 pts	Up to 45	Application
	SimplyCLICK SBI Card	₹499	45.00% p.a.	SBI Card Reward Points	—	Up to 50	Application
Axis Bank •••• •••• •••• •••• Credit Card Compare	Google Pay Flex Axis Bank Credit Card	₹0	55.55% p.a.	—	—	Up to 50	Application
Kotak Mahindra BankPlatinum •••• •••• •••• •••• Credit Card Compare	Kotak League Platinum Credit Card	₹499	45.00% p.a.	Kotak Rewards	5,000 pts	Up to 51	Application
HDFC BankPlatinum •••• •••• •••• •••• Credit Card Compare	Regalia First Credit Card	₹1,000	45.00% p.a.	HDFC Bank Reward Points	1,000 pts	Up to 50	Application
	SpiceJet Axis Bank Voyage Credit Card	₹750	45.00% p.a.	SpiceClub Points	—	Not published	Application
	Diamond Reserve Credit Card	₹3,000	43.80% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
	HDFC Bank Freedom Credit Card	₹500	45.00% p.a.	HDFC Bank Reward Points	500 pts	Up to 50	Application
	IndusInd Bank Platinum RuPay Credit Card	₹10,000	47.40% p.a.	IndusInd Bank Reward Points	—	Not published	Application
	SimplySAVE SBI Card	₹499	45.00% p.a.	SBI Card Reward Points	2,000 pts	Up to 50	Application
	Ashva Metal Credit Card	₹2,999	43.80% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
	Axis Bank Neo Credit Card	₹250	55.55% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application
Axis Bank •••• •••• •••• •••• Credit Card Compare	IndiGo Axis Bank Premium Credit Card	₹5,000	55.55% p.a.	IndiGo BluChips	5,000 pts	Up to 50	Application
	Axis Bank Aura Credit Card	₹749	45.00% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application
	EazyDiner IndusInd Bank Signature Credit Card	₹2,999	46.00% p.a.	IndusInd Bank Reward Points / EazyPoints	2,000 pts	Not published	Application
	IndianOil HDFC Bank Credit Card	₹500	45.00% p.a.	IndianOil Fuel Points	—	Up to 50	Application
	Miles & More Axis Bank World Credit Card	₹3,500	44.40% p.a.	Miles & More	5,000 pts	Up to 50	Application
SBI Card •••• •••• •••• •••• Credit Card CompareMastercard	SBI Card Miles Elite	₹4,999	45.00% p.a.	SBI Card Travel Credits (Miles Elite)	5,000 pts	Up to 50	Application
	HSBC TravelOne Credit Card	₹4,999	45.00% p.a.	—	—	Up to 45	Application
IDFC FIRST Bank •••• •••• •••• •••• Credit Card CompareRuPay	FIRST Digital RuPay Credit Card	₹199	43.80% p.a.	IDFC FIRST Bank Reward Points	—	Up to 45	Application
	ICICI Bank Emeralde Private Metal Credit Card	₹12,499	45.00% p.a.	ICICI Bank reward points	12,500 pts	Up to 48	Application
	SBI Card ELITE	₹4,999	45.00% p.a.	SBI Card Reward Points	—	Up to 50	Application
	American Express® Platinum Travel Credit Card	₹5,000	42.00% p.a.	Membership Rewards	10,000 pts	Up to 48	Application
Kotak Mahindra BankSignature •••• •••• •••• •••• Credit Card Compare	Kotak White Credit Card	₹3,000	42.00% p.a.	Kotak White Pass / Reward Points	1,500 pts	Up to 51	Application
	Pioneer Heritage Credit Card	₹1,00,000	36.00% p.a.	IndusInd Bank Reward Points	—	Not published	Application
	IndusInd Bank PIONEER Private Credit Card	₹25,000	24.00% p.a.	IndusInd Bank Reward Points / EazyPoints	6,000 pts	Not published	Application
	Indus Solitaire Credit Card	₹30,000	46.00% p.a.	IndusInd Bank Reward Points	5,000 pts	Not published	Application
	Kotak White Reserve Credit Card	₹12,500	42.00% p.a.	Kotak White Pass Value Program	—	Up to 51	Application
	Reserve Credit Card	₹50,000	42.58% p.a.	Axis Bank EDGE Rewards	—	Up to 50	Application

What's happening in November

By David BoydUpdated 1 November 2026

Market news
Credit card spending in India falls 5.9 per cent in September, marking first annual decline since 2021.
Indian credit card spending contracted annually for the first time in nearly four years in September, signalling a slowdown in credit-based consumer purchases.
A contraction in credit card spending suggests Indian consumers are either borrowing less or facing constraints on their purchasing power, which could reflect broader economic pressures affecting household finances.
Market news
Major Indian credit card issuers tighten reward policies across portfolios.
SBI, HDFC, and ICICI Bank have announced changes to their reward structures, affecting how cardholders earn and redeem points. The move reflects broader industry trends as issuers adjust benefit offerings.
If you hold cards from SBI, HDFC, or ICICI Bank, the value you get from earning and redeeming rewards may shift, which matters because rewards are often what justify paying the median annual fee of ₹500 across the 95 cards we track.
Market news
Bandhan Bank launches four credit card variants to enter the Indian credit card market.
Bandhan Bank has introduced multiple credit card options as it enters the competitive Indian credit card space. The new variants are designed to address different customer segments.
With four new variants, Bandhan Bank is joining a market where the 95 cards we track range from 9.00% p.a. purchase rates to median annual fees of ₹500, suggesting the bank is targeting multiple customer segments across different price points.