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RBL Bank Credit Cards

Best for reward redemption & unmatched welcome benefits

Valueback • Rewards
RBL Bank IndianOil Card
Credit Card
  • 20 reward points/₹100 on groceries
  • Dining & shopping discounts (Swiggy, Zomato, Tata Cliq & more)
  • 10% off BookMyShow + fuel surcharge waiver
Joining Fee: ₹500 Annual Fee: ₹500
Valueback • Rewards
RBL Bank IndianOil Xtra Card
Credit Card
  • Up to 8.5% savings on IndianOil fuel spends
  • 15 fuel points/₹100 at IndianOil (₹2,000/month cap)
  • Receive 3,000 Fuel Points on your first transaction of Rs 500 or more
Joining Fee: ₹1,500 Annual Fee: ₹1,500
Groceries • Entertainment
RBL Bank Shoprite Card
Credit Card
  • 20 RP/₹100 on groceries
  • Deals on Swiggy, Zomato & Tata Cliq
  • 10% discount (Upto Rs 100) on movie tickets on BookMyShow
Joining Fee: ₹0 Annual Fee: ₹0

Axis Bank Credit Cards

Most rewarding credit cards

Fuel • UPI
Axis Bank IndianOil Rupay Card
Credit Card
  • 100% cashback (up to ₹250) on Indian Oil fuel within 30 days
  • Up to 15% off on dining and 10% off on movies
  • Earn reward points on Indian Oil spends and UPI payments
Joining Fee: ₹500 Annual Fee: ₹500
Shopping • Cashback
Axis Bank Flipkart Card
Credit Card
  • ₹600 activation benefits
  • 5% cashback on Flipkart/Cleartrip
  • 4% cashback on Swiggy/Uber/PVR/Cult.fit
Joining Fee: ₹500 Annual Fee: ₹500

HSBC Bank Credit Cards

Global acceptance, rewards, and perks

Lifetime • Rewards
HSBC Platinum Card
Credit Card
  • ₹100 Amazon voucher on activation
  • Up to 15% off on dining and 10% off on movies
  • Lifetime free card (no fee)
Joining Fee: ₹0 Annual Fee: ₹0
Cashback • Lifestyle
HSBC Live Plus Card
Credit Card
  • 10% cashback on dining/groceries
  • 1.5% unlimited cashback on retail
  • 4 complimentary lounge visits yearly
Joining Fee: ₹999 Annual Fee: ₹999

HDFC Bank Credit Cards

Global acceptance, rewards, and perks

Travel • Rewards
HDFC IRCTC Card
Credit Card
  • ₹100 Amazon voucher on activation
  • 10% cashback on dining/groceries
  • 4 complimentary lounge visits yearly
Joining Fee: ₹0 Annual Fee: ₹0
Rewards • Shopping
HDFC Shoppers Stop Card
Credit Card
  • ₹500 Shoppers Stop voucher (welcome benefit)
  • Free First Citizen Silver Edge membership
  • 3% rewards on Shoppers Stop spends
Joining Fee: ₹299 Annual Fee: ₹299
Rewards • Shopping
HDFC Millennia Card
Credit Card
  • ₹500 welcome voucher from Shoppers Stop
  • 3% rewards on Shoppers Stop spending
  • Link to UPI for Scan & Pay
Joining Fee: ₹1,000 Annual Fee: ₹1,000

IndusInd Credit Cards

Luxury, Rewards, Convenience – All-in-One!

Discounts • Rewards
IndusInd Platinum Card
Credit Card
  • Earn 1.5 Reward Points per ₹150 spent
  • Enjoy exclusive discounts on various brands like Ajio, Swiggy, PVR, Lifestyle, and EazyDiner
  • Receive a 1% fuel surcharge waiver at all petrol pumps across India
Joining Fee: ₹0 Annual Fee: ₹0
Rewards • Shopping
IndusInd Legend Card
Credit Card
  • Earn 1 RP/₹100 on weekdays & 2 RP/₹100 on weekends
  • Buy 1 Get 1 Free on BookMyShow - Up to 3 free tickets/month
  • 3 Enjoy a low forex markup of 1.8% + complimentary travel insurance
Joining Fee: ₹0 Annual Fee: ₹0
Rewards • Payments
IndusInd Rupay Platinum Card
Credit Card
  • Travel insurance worth ₹2.25L with coverage for baggage, passport, and delays
  • Earn 2 RPs/₹100 on UPI spends & 1 RP/₹100 on other spends
  • Accepted across all UPI platforms for seamless payments
Joining Fee: ₹0 Annual Fee: ₹0

AU Bank Credit Cards

Rewarding benefits, exclusive offers, and seamless transactions.

Cashback • Rewards
AU Altura Card
Credit Card
  • Get a ₹500 voucher on ₹10,000 spend within 60 days
  • Earn 1.5% cashback on retail POS spends (fuel excluded)
  • Receive 2X reward points on all online purchases
Joining Fee: ₹499 Annual Fee: ₹499
Discounts • Flexible
AU LIT Card
Credit Card
  • Customizable benefits - Choose perks like lounge access, boosted rewards, etc., as per your needs
  • 5% off at Croma on spends of ₹15,000+ (once/month)
  • 15% off on Tata CliQ, EasyDiner, and Cleartrip (monthly limits apply)
Joining Fee: ₹0 Annual Fee: ₹0

SBI Credit Cards

Exclusive rewards, unbeatable savings, and premium perks!

Cashback • Spends
SBI Cashback Card
Credit Card
  • Apply for up to 3 Add-on Cards – absolutely free
  • 5% cashback on online spends (combined cap ₹5,000/month)
  • 1% cashback on offline spends
Joining Fee: ₹999 Annual Fee: ₹999
Rewards • Fuel
SBI BPCL Card
Credit Card
  • 2,000 bonus RPs (worth ₹500) on joining fee payment
  • 4.25% value back (13X RPs) on fuel spends at BPCL outlets
  • 1% fuel surcharge waiver on BPCL transactions up to ₹4,000
Joining Fee: ₹499 Annual Fee: ₹499
Rewards • Travel
SBI Miles Card
Credit Card
  • 21,500 Travel Credits on spending ₹30,000 within 60 days
  • Earn Travel Credits - 2/₹200 on travel spends & 1/₹200 on others
  • Redeem credits on flights, hotels, catalog & air miles
Joining Fee: ₹1,499 Annual Fee: ₹1,499

IDFC Bank Credit Cards

Rewards That Never Expire!

Travel, • Discounts
IDFC SWYP Card
Credit Card
  • ₹2,100 EaseMyTrip coupons upon joining
  • 1-year Lenskart Gold Membership complimentary
  • 2,000 Reward Points on ₹5,000+ spend in the first 30 days
Joining Fee: ₹499 Annual Fee: ₹499
Rewards • Fuel
IDFC FIRST Power Plus Card
Credit Card
  • Save up to 6.5% on HPCL fuel spends
  • Interest-free ATM withdrawals
  • Earn 3X Rewards on retail spends
Joining Fee: ₹499 Annual Fee: ₹499

ICICI Bank Credit Card

Rewards • Discounts
ICICI Coral Card
Credit Card
  • Lifetime FREE card – No joining or annual fees on select cards
  • Exclusive discounts during Amazon & Flipkart online sales
  • Earn 2 Reward Points per ₹100 on retail spends
Joining Fee: ₹0 Annual Fee: ₹0

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Jupiter Credit Card

Jupiter Credit Card is a lifetime free 3-in-1 Edge RuPay card offering 2% cashback on shopping, travel, and dining, 0.4% on all other spends, 1% fuel surcharge waiver, 1 complimentary lounge access per quarter, and welcome rewards worth ₹1,000.

RIO Credit Card

Rio is your all-in-one payment companion, a lifetime-free credit card that links with UPI, enabling you to scan and pay effortlessly anywhere.

Fees & Charges
Joining Fee (First Year): ₹0
Annual Renewal Fee: ₹0

  • The YES Bank Rio RuPay Credit Card is a lifetime free card designed for digitally active users. Earn Rio Coins on every transaction, which can be redeemed as direct cashback to your bank account. Get additional perks like health and wellness offers, making it a valuable card for everyday use.

Key Features

  • Rio Coins: Earn on every transaction
  • Cashback: 4 Rio Coins = ₹1, directly credited to your account
  • Earning Rate: 3 Rio Coins per ₹100 spent via the Rio UPI App

Eligibility

  • Age: 21–60 years
  • Minimum Income: ₹25,000 monthly (salary) or ₹5 lakh annual ITR (self-employed)

Tata Neu HDFC Bank Credit Card

Zero joining fee! Save up to 1.5% on bill payments, ₹6,000 annually on UPI transactions, and enjoy up to 10% savings as NeuCoins on Tata brands like BigBasket, 1mg, Croma, TataCliQ, and more via the Tata Neu app.

Fees & Charges : Joining Fee: ₹0

Annual/Renewal Fee: NeuCard Infinity: ₹1,499 + GST (Waived on spending ₹3 lakh or more in the previous year), NeuCard Plus: ₹499 + GST (Waived on spending ₹1 lakh or more in the previous year)

Exclusive Benefits
Up to 10% savings as Tata NeuCoins on purchases from Tata brands, including BigBasket, AirAsia, Tata 1mg, Croma, TataCliQ, Westside, Titan, Tanishq, and more. Applicable for transactions made via the TataNeu app/website and Tata NeuPass registration.

Up to 1.5% savings on all UPI transactions via the Tata Neu App using NeuCard (Maximum ₹500 per month).

Complimentary Airport Lounge Access:

NeuCard Infinity: 12 free visits annually (8 domestic + 4 international).

NeuCard Plus: 4 domestic lounge visits per year.

Additional Perks
1% Fuel Surcharge Waiver at all fuel stations across India for transactions between ₹400 and ₹5,000. (Maximum waiver per statement cycle: ₹250 for NeuCard Plus, ₹500 for NeuCard Infinity).

Revolving Credit Facility at competitive interest rates.

Zero Liability Protection on fraudulent transactions and card loss, provided it’s reported promptly.

Documents Required
Address Proof: Aadhaar, Passport, or Latest Utility Bills.

ID Proof: PAN Card, Voter ID, or Passport.

Income Proof: Bank Statement or Salary Slips.

Eligibility Criteria
Age: 21 – 65 years.

Employment Status: Salaried or Self-Employed.

Minimum Income Requirement:

Salaried: ₹25,000 per month.

Self-Employed: ₹6 lakh per annum.

Bank of Baroda Credit Card

 Smart spending made rewarding, powered by trust and great benefits

Federal Bank Scapia Credit Card

Get a lifetime free credit card with ZERO forex markup and unlimited domestic lounge access

Fees & Charges

  • Lifetime Free Credit Card
  • Joining Fee: None
  • Annual Fee: None

Key Features

  • Zero forex markup on international spends
  • Unlock unlimited domestic lounge access + dining, shopping, or spa by spending ₹10,000/month
  • Earn 20 Scapia Coins/₹100 on travel via Scapia app; 10 Coins/₹100 on most other spends
  • 1% fuel surcharge waiver (up to ₹500/month on spends up to ₹5,000)
  • Scapia Coins redeemable for 100% value on travel bookings (5 Coins = ₹1)

Eligibility

  • Age: 23–40 years
  • Salaried: ₹30,000/month | Self-employed: ₹4L/year
  • Credit Score: 730+ (Not for new-to-credit applicants)

Documents

  • ID: PAN/Form 60
  • Address: Aadhaar, Passport, or utility bill
  • Income: Bank statement/salary slip

Photo: Passport-size

POP UPI Credit Card

Enjoy seamless UPI payments with the convenience of a card, no bank account needed

KIWI Credit Card

KIWI Credit Card offers a 100% virtual, Lifetime free card with up to 5% cashback, UPI rewards, and airport lounge access. For android users only.

Kiwi Credit Card – Fees & Rewards at a Glance🔹 2% Cashback on Scan and Pay transactions
🔹 0.5% Cashback on online transactions (Excluding rent, fuel, etc.)
🔹 Milestone Rewards of up to 5% cashback
🔹 Earn rewards as ‘Kiwis’, redeemable for instant credit to your Savings Account
🔹 3 Airport Lounge Accesses on spending ₹50K, ₹1L, and ₹1.5L annually

Eligibility Criteria
✔️ Age: 25-60 years
✔️ Salaried Only
✔️ CIBIL Score: 720+
✔️ Minimum Income: ₹1.8L per annum

Documents Required
📌 ID Proof
📌 Income Proof: Last 3 months’ bank statements
📌 PAN Card

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