Best Credit Cards in India 2026

Finding the right credit card can be challenging with so many options available in the market. SpendWisely simplifies the process by helping you compare the best credit cards in India across multiple categories, including cashback, rewards, travel, airport lounge access, shopping, dining, fuel, and lifetime free credit cards. Our detailed comparisons, expert insights, and up-to-date information make it easier to identify the card that matches your spending habits and financial goals.

Whether you’re a first-time credit card user, a frequent traveler, or someone looking to maximize rewards on everyday purchases, our platform helps you make informed decisions with confidence. Explore card features, annual fees, welcome benefits, reward programs, eligibility criteria, and exclusive offers—all in one place. Compare, choose, and apply for the credit card that delivers the most value for your lifestyle.

Find The Best Credit Cards

1Card Basics
Card Purpose
All purposes
0 selected
•
  • Airport Lounges - Domestic
    (25)
  • Airport Lounges - For Guests
    (3)
  • Airport Lounges - International
    (10)
  • Airport Meet & Greet Service
    (2)
  • Basic Card
    (10)
  • Dining
    (14)
  • Education
    (8)
  • EMI
    (12)
  • Forex Transactions
    (13)
  • Fuel
    (9)
  • Giftcards
    (16)
  • Gold & Jewellery
    (13)
  • Golf
    (16)
  • Government Spend
    (6)
  • Grocery
    (2)
  • Insurance
    (18)
  • Lifestyle Card
    (19)
  • Movies
    (12)
  • National Pension System
    (1)
  • New Launches
    (1)
  • Offline Spend
    (16)
  • Online Food Delivery Orders
    (1)
  • Online Shopping
    (19)
  • Railway Lounge Access
    (3)
  • Rent
    (3)
  • Sale Discount Offers
    (25)
  • Spa Service at Airport
    (0)
  • Train Tickets
    (11)
  • Travel (Flight, Hotel)
    (21)
  • UPI Transactions
    (7)
  • Utility Bills
    (24)
  • Wallet Load
    (5)
Card Categories
All options
  • All options
  • Entry Level Paid Credit Cards (28)
  • Lifetime Free Credit Cards (12)
  • Premium Credit Cards (11)
  • Super Premium Credit Cards (8)
Card Issuer
All options
  • All options
  • American Express (4)
  • AU Small Finance Bank (1)
  • Axis Bank (9)
  • Bank of Baroda (1)
  • Canara Bank (0)
  • CSB Bank (2)
  • DBS Bank (0)
  • Federal Bank (1)
  • HDFC Bank (9)
  • HSBC Bank (3)
  • ICICI Bank (7)
  • IDFC FIRST Bank (2)
  • IndusInd Bank (1)
  • Jupiter (0)
  • Jupiter by CSB Bank (0)
  • Kotak Bank (2)
  • Punjab National Bank (0)
  • RBL Bank (5)
  • SBI Bank (6)
  • Standard Chartered Bank (1)
  • Union Bank of India (0)
  • YES Bank (1)
Card Network
All options
  • All options
  • American Express (7)
  • Diners Club (5)
  • JCB (1)
  • Mastercard (25)
  • RuPay (23)
  • Visa (36)
2Rewards, Fee & Eligibility
Reward Type
All options
  • All options
  • Airmiles (17)
  • Cashback (25)
  • Reward Points (46)
Annual Fee including GST (INR)
All options
  • All options
  • Lifetime Free (12)
  • Upto 600 (19)
  • 600 to 1200 (3)
  • 1200 to 3600 (11)
  • 3600 to 6000 (4)
  • 6000 to 12000 (3)
  • More Then 12000 (7)
Annual Spend Target (INR)
All options
  • All options
  • No fee Waiver Option (5)
  • Lifetime Free (11)
  • Upto Rs.50k (1)
  • 50k to 1 Lacs (2)
  • 1 Lacs to 2 Lacs (13)
  • 2 Lacs to 5 Lacs (12)
  • 5 Lacs to 8 Lacs (5)
  • 8 Lacs to 10 Lacs (2)
  • More than Rs.10 Lacs (2)
Annual Income for Eligibility (INR)
All options
  • All options
  • No Income (1)
  • Upto 3 Lacs (16)
  • 3 Lacs to 5 Lacs (17)
  • 5 Lacs to 10 Lacs (7)
  • 10 Lacs to 15 Lacs (5)
  • 15 Lacs+ (11)
3Lifestyle Benefits
Domestic Airport Lounge Access
Yes34No23
International Airport Lounge Access
Yes20No37
Railway Lounge Access
Yes2No55
Movie Tickets
Yes16No41
Dining Benefits
Yes24No33
Golf Games
Yes15No42
Showing 7 Cards out of 57
HDFC Regalia Gold Credit Card
(3.8/5)

HDFC Regalia Gold Credit Card

Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 2950
Renewal fee + GST ₹ 2950
Base Reward Rate 1.33%
Accelerated Reward Rate 13.33%
Full Details
Axis Bank Olympus Credit Card
(4.4/5)

Axis Bank Olympus Credit Card

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 23600
Renewal fee + GST ₹ 23600
Base Reward Rate 4%
Accelerated Reward Rate 10%
Full Details
HSBC Premier Credit Card
(4.4/5)

HSBC Premier Credit Card

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 14160
Renewal fee + GST ₹ 23600
Base Reward Rate 3%
Accelerated Reward Rate 36%
Full Details
PhonePe SBI Select Black Credit Card
(4.2/5)

PhonePe SBI Select Black Credit Card

Entry Level Paid Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 1769
Renewal fee + GST ₹ 1769
Base Reward Rate 1%
Accelerated Reward Rate 10%
Full Details
Axis Bank Ace Credit Card
(3.8/5)

Axis Bank Ace Credit Card

Entry Level Paid Credit Cards Best For : Dining
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 589
Renewal fee + GST ₹ 589
Base Reward Rate 1.5%
Accelerated Reward Rate 5%
Full Details
American Express Gold Charge Card
(4/5)

American Express Gold Charge Card

Entry Level Paid Credit Cards Best For : Giftcards
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 1180
Renewal fee + GST ₹ 5310
Base Reward Rate 1%
Accelerated Reward Rate 9.33%
Full Details
BOB Eterna Credit Card from Bank of Baroda
(3.6/5)

BOB Eterna Credit Card from Bank of Baroda

Lifetime Free Credit Cards Best For : Forex Transactions
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 2949
Renewal fee + GST ₹ 2949
Base Reward Rate 0.75%
Accelerated Reward Rate 3.75%
Full Details
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FAQs

How do I choose the best credit card?
The best credit card depends on your spending habits, lifestyle preferences, and financial goals. Consider factors such as rewards, cashback, annual fees, airport lounge access, travel benefits, and welcome offers before making a decision.
You should compare annual fees, reward rates, cashback benefits, welcome offers, airport lounge access, eligibility criteria, interest rates, and additional lifestyle or travel benefits before applying for a credit card.
The best cashback and rewards credit card varies based on your spending pattern. Some cards offer higher cashback on online shopping, while others provide better rewards on travel, dining, fuel, or everyday spending.
Yes, comparing multiple credit cards helps you identify the card that offers the best combination of rewards, fees, benefits, and features based on your specific needs.
Credit card features, fees, reward programs, and promotional offers can change over time. It is important to review the latest card details before applying to ensure you receive the most accurate and up-to-date information.
Lifetime free credit cards and entry-level paid credit cards are generally considered suitable for beginners because they offer useful benefits with lower costs and simpler eligibility requirements.