Discover the best credit cards in India and start your credit journey with top-rated, lifetime free options.
IDFC FIRST WoW Credit Card
Joining Fee - Nil
Movie & Dining : 50% Discount Up to Rs. 300 on Movie Ticket Bookings (Visa Infinite)
Rewards Rate : Earn 4X (4RP) Reward Points on every Rs. 150 spent
Reward Redemption : Use Reward Points to instantly pay for online or in-store purchases. 1 Reward point = Rs. 0.25
Insurance Benefits : Personal Accident, Card Liability cover and many more.
Axis Bank Burgundy Private Credit Card
Joining Fee - Rs. 50,000 + GST (Nil for Burgundy Private Account Holders)
Movie & Dining : Complimentary Eazy Diner membership & Buy 1 Get 1 free offer on movies.
Rewards Rate : 15 Edge Reward Points for every Rs. 200 spent.
Reward Redemption : The redemption of Edge Rewards can be done against an array of options on the Edge Rewards website at a rate of 1 Edge Reward Point = Re. 0.20
Travel : Complimentary access to international as well as domestic lounges.
Domestic Lounge Access : Unlimited complimentary domestic lounge access.
International Lounge Access : Unlimited complimentary international lounge access.
Golf : 50 complimentary golf rounds every year.
Insurance Benefits : Insurance cover worth Rs. 4.5 Crores in case of an air accident, travel insurance, lost card liability, and purchase protection.
Axis Bank Reserve Credit Card
Joining Fee - Rs. 50,000 + GST
Movie & Dining : Complimentary Eazydiner Prime membership offering 25% off at various restaurants, 20% off at participating restaurants with the Dining Delights program, Buy One Get One offer on BookMyShow where you get a maximum of Rs. 500 off on the second ticket, 5 times a month.
Rewards Rate : 15 Edge Reward Points per Rs. 200 spent with the card, 2X Edge Reward Points on all international spends
Reward Redemption : Axis Bank Edge Reward Points can be redeemed for instant vouchers and exclusive products on the bank's Edge Rewards redemption portalEdge Reward Points can also be redeemed for Edge Miles to international and domestic airlines program at the ratio of 5:2 for Air Vistara, Etihad Airways, Qatar Airways, Marriot International, etc.
Travel : Global travel and medical assistance on international trips
Domestic Lounge Access : Unlimited domestic airport lounge access for both primary and add-on card holders
International Lounge Access : Unlimited international airport lounge access every year with Priority Pass membership.
Golf : 50 complimentary rounds of golf every year at country's premium golf courses
Insurance Benefits : Comprehensive insurance cover including purchase protection up to Rs. 2 Lakhs, 500 USD cover for loss/delay in baggage, and a Rs. 5 Lakhs credit shield
Axis Bank Pride Platinum Credit Card
Joining Fee - Nil
Movie & Dining : Enjoy delicious cuisine with Axis Bank Dining Delights that offer a minimum of 15% at its partner restaurants all over India.
Rewards Rate : 4 Reward Points per Rs. 200 spend.
Reward Redemption : 1 RP = Rs 0.20 for redemption against a variety of options available at the Edge Rewards website.
Axis Bank Magnus Credit Card
Joining Fee - Rs. 12,500 + GST
Movie & Dining : 20% Discount at 4,000+ Restaurants Across India Under the Axis Dining Delights Program
Rewards Rate : 12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.
Reward Redemption : Axis EDGE REWARDS Points can be redeemed on the EDGE REWARDS portal at a value of 1 Edge Reward = Re. 0.20 or Transfer to Partner Airlines/Hotels Rewards Program.
Travel : Complimentary Airport Lounge Access, and Discounted Stays at Oberoi Hotels
Domestic Lounge Access : Unlimited Free Domestic Airport Lounge Access
International Lounge Access : Unlimited complimentary international airport lounge access for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass
Insurance Benefits : Credit shield protection worth Rs. 5 lakh (in case the card is lost) and a purchase protection worth Rs. 2 lakh.
Axis Bank Rewards Credit Card
Joining Fee - Rs. 1,000 + GST
Movie & Dining : 30% off on Swiggy orders and a 15% discount at various partner restaurants with the Dining Delights Program
Rewards Rate : 2 EDGE reward points on every send of Rs. 125 and accelerated 10x EDGE reward points on every spend of Rs. 125 on departmental and apparel stores
Reward Redemption : Reward points can be redeemed for vouchers or products listed on the EDGE platform catalogue. Cardholders can transfer their reward points to partner Airmiles or points. Reward points can also be redeemed through Pay with Points via SMS or Online Pay with Point Redemption
Domestic Lounge Access : 2 complimentary domestic airport lounge access per quarter
Insurance Benefits : Rs. 1 Lakh purchase protection cover and cover for loss of travel documents and baggage
AU Zenith Credit Card
Joining Fee - Rs. 7,999 + GST
Movie & Dining : 20 Reward Points for every Rs. 100 spent on dining at standalone restaurants
Rewards Rate : 20 Reward Points for every Rs. 100 spent on dining (reward rate = 5%), 10 Reward Points for every Rs. 100 spent on international purchases and grocery & departmental stores (reward rate = 2.5%) and 5 Reward Points for every Rs. 100 spent on all other spends except fuel (reward rate = 1.25%)
Reward Redemption : Reward Points can be redeemed for merchandise, e-vouchers, mobile or DTH recharges, flight or hotel bookings on AU Rewardz portal, 1 RP = Rs. 0.25
Travel : Complimentary Railway Lounge Access and Priority Pass MembershipCash Advance Charges
Domestic Lounge Access : 2 Complimentary Lounge Access Every Quarter (8 Each Year) on Spending 20,000 Each Quarter
International Lounge Access : 8 Free International Lounge Visits
Insurance Benefits : Comprehensive insurance cover including lost card liability cover, Credit Shield, air accident cover, and multiple other travel-related insurance covers
Aditya Birla AU Bank Credit Cards
Joining Fee - Nil
Movie & Dining : Accelerated Reward Points and Exclusive Discounts on Dining.
Rewards Rate : Each Card Offers Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions
Reward Redemption : 1 RP = Rs. 0.20
Travel : Free Railway Lounge Access if Offered
Domestic Lounge Access : Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants
International Lounge Access : Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants
AU Zenith+ Credit Card
Joining Fee - Rs. 4999 + GST
Movie & Dining : 16 complimentary Buy One Get One movie tickets per annum, max 4 per quarter
Rewards Rate : 2 RPs per Rs. 200 spent on dining, international, and travel spends. 1 RP per Rs. 100 on other spends
Travel : Complimentary Taj Epicure Membership on spending Rs. 12 Lakhs in the year.
Domestic Lounge Access : 4 Complimentary Lounge Access Every Quarter (16 Each Year)
International Lounge Access : 16 complimentary international lounge access
Golf : 8 complimentary golf lessons per annum, max 2 per quarter
Insurance Benefits : Complimentary device protection plan
HDFC Bank Diners Club Black Credit Card
Joining Fee - Rs. 10,000 + GST
Movie & Dining : 2X Reward Points on weekend dining
Rewards Rate : 5 Reward Points on every spend of Rs. 150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining
Reward Redemption : HDFC Bank Diners Club Black Reward Points are redeemable for flight/hotel bookings (1 RP = Re. 1) on SmartBuy, for AirMiles (1 RP = 1 AirMile), on Diners Club exclusive rewards redemption catalog (1 RP = Re. 0.5) and for cashbacks (1RP = Rs. 0.30).
Travel : Complimentary lounge access at 1,000+ airports in India and abroad, Reward Points redeemable for flight and hotel bookings on SmartBuy (1RP = Re. 1).
Domestic Lounge Access : Unlimited complimentary access to the domestic lounges
International Lounge Access : Unlimited complimentary access to the international lounges
Golf : 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
Insurance Benefits : Travel-related insurance benefits including an air accident cover worth Rs. 2 crores, emergency overseas hospitalization cover worth Rs. 50 Lakhs, and a credit liability cover worth up to Rs. 9 lakh.
HDFC Bank INFINIA Metal Credit Card
Joining Fee - Rs. 12,500 + GST
Movie & Dining : 1 + 1 Complimentary Buffet at ITC Hotels and Up to 750 With Swiggy Dineout
Rewards Rate : 5 Reward Points on every retail spend of Rs. 150, reward rate of up to 3.3%
Reward Redemption : RPs can be redeemed for flight and hotel bookings via SmartBuy (1 RP = Re. 1), Airmiles through net banking (1 RP = 1 Airmile), products and vouchers via net banking or SmartBuy (1 RP = Rs. 0.50), Apple and Tanishq vouchers (1 RP = Re. 1) cashback (1 RP = Rs. 0.30)
Travel : Complimentary Priority Pass Membership
Domestic Lounge Access : Unlimited Free Domestic Airport Lounge Access
International Lounge Access : Unlimited Complimentary International Lounge Access for Primary and Add-On Cardholders Across the Globe with a Priority Pass
Golf : Unlimited complimentary golf games at leading golf courses across India and abroad. Unlimited golf coaching at multiple golf courses across India
Insurance Benefits : Insurance cover worth Rs. 3 crores against accidental air death, a cover worth Rs. 50 lakh against medical emergencies during international air travel, and credit shield cover worth Rs. 9 lakh
Swiggy HDFC Bank Credit Card
Joining Fee - Rs. 500 + GST
Movie & Dining : 10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more
Rewards Rate : 10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories
Reward Redemption : Cashback Against Credit Card Statement
Travel : Upto 5% cashback on merchants like Uber and Ola
Golf : 12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services
HDFC MoneyBack Credit Card
Joining Fee - Rs. 500 + GST
Movie & Dining : Exclusive dining benefits with the Good Food Trail program. Save up to 20% on your restaurant bills through Swiggy Dineout
Rewards Rate : 4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spend, reward rate of up to 0.67%.
Reward Redemption : 1 Reward Point = Rs 0.20 for redemption against the statement balance. 1 Reward Point = Rs. 0.25 for redemption through Smartbuy Rewards portal
HDFC Bank Titanium Times Credit Card
Joining Fee - NIL
Movie & Dining : Accelerated Reward Points (5 RPs/Rs. 150) on dining spends on weekdays, 25% off on movie tickets bookings on BookMyShow (max discount of Rs. 350 per transaction) and EazyDiner Prime Membership with dining discounts of 25% to 50%.
Rewards Rate : 5 Reward Points per Rs. 150 on dining spends on weekdays, 2 Reward Points per Rs. 150 on all other spends
Reward Redemption : The accumulated Reward Points can be redeemed for products, gift vouchers and discounts via net banking or through post.
HDFC Bank Diners Club Black Metal Edition Credit Card
Joining Fee - Rs. 10,000 + GST
Movie & Dining : Benefits with Good Food Trails Program and 2X RPs on Weekend Dining
Rewards Rate : Earn 5 RPs on Spends of Rs. 150 and 10X RPs on Spends Made on Smart Buy
Reward Redemption : Redeem Rewards on SmartBuy or for Airmiles and Cashback
Travel : Unlimited Lounge Access for Primary and Add-On Cardholders
Domestic Lounge Access : Unlimited Complimentary Domestic Lounge Visits Across India
International Lounge Access : Unlimited Complimentary International Lounge Visits Across the World
Golf : 6 Complimentary Golf Games Each Quarter
Insurance Benefits : Air Accident Insurance Worth Rs 2 Crore and Emergency Overseas Hospitalisation Worth Rs. 50 Lakh.
RBL Bank Edition Credit Card
Joining Fee - Rs. 2,000 + GST
Movie & Dining : Buy One Get One (BOGO) offer on movie tickets through BookMyShow. Accelerated reward rate on Zomato and other food purchases.
Rewards Rate : 10 Edition Cash per Rs. 100 spent on Zomato and Blinkit. 1 Edition Cash per Rs. 100 spent on all other spends.
Reward Redemption : Edition cash is redeemable on Zomato and can be adjusted against the card's statement balance.1 Edition Cash = Re. 1.
Travel : Complimentary domestic and international lounge access, low forex mark-up fee of 1.5%.
Domestic Lounge Access : 2 complimentary domestic lounge visits (per quarter).
International Lounge Access : 2 complimentary international lounge visits (per year) with the Priority Pass.
Zomato Edition Classic Credit Card
Joining Fee - Rs. 500 + GST
Movie & Dining : Complimentary annual Zomato Pro membership and accelerated reward points on dining.
Rewards Rate : 5 Edition Cash per Rs. 100 spent on Zomato and Blinkit, 1 Edition Cash per Rs. 100 on all other spends.
Reward Redemption : Edition Cash is redeemable for food purchases on Zomato or against the statement balance. 1 Edition Cash = Re. 1.
RBL Bank Monthly Treats Credit Card
Joining Fee - Monthly fee of Rs. 50 + GST
Rewards Rate : You get 2 reward points on every Rs 100 spent on online purchases and 1 reward point on every Rs. 100 spent on offline purchases.
Reward Redemption : Reward points can be redeemed at rblrewards for exciting rewards and offer on your air travels, hotel bookings, and much more. 1 RP = Re. 0.25.
IndusInd Bank Indulge Credit Card
Joining Fee - Rs. 75,000 + GST
Movie & Dining : Buy One Get One Offer on BookMyShow (Capped at 700). 3,000 Voucher from EazyDiner (Twice Each Year)
Rewards Rate : 1.5 Reward Points for every Rs. 100 spent using the card
Reward Redemption : Reward Points Redeemable Against Cash Credit, IndusMoments, or KrisFlyer Miles
Travel : Complimentary Priority Pass
Domestic Lounge Access : 6 complimentary domestic lounge access per quarter under the Visa Lounge program
International Lounge Access : Four Complimentary International Lounge Access Using Priority Pass
Golf : Unlimited Golf Games at Regular Clubs and 4 Free Golf Games (Per Month) at Premium Clubs
Insurance Benefits : Personal air-accident insurance worth Rs. 2.5 crores
IndusInd Bank Iconia Amex Credit Card
Joining Fee - Rs. 3,500 + GST
Movie & Dining : Buy 1 Get 1 on movie ticket bookings on movie bookings with BookMyShow.
Rewards Rate : 1.5 reward points on every Rs 100 spent on weekdays and 2 reward points on every Rs 100 spent on weekends.
Reward Redemption : 1 Reward Point = Rs 1 for redemption against cash credit & 1 RP = 1 InterMile / 1 CV Point for redemption against the same.
Travel : You get Complimentary Domestic lounge access with this AMEX card and a complimentary priority pass membership.
Domestic Lounge Access : 8 Complimentary domestic lounge access every year using this credit card.
Golf : 1 complimentary golf game and 1 golf lesson every quarter.
Insurance Benefits : Personal Air Accident cover worth Rs. 25 lakhs
American Express Platinum Reserve Credit Card
Joining Fee - Rs. 10,000 + GST
Movie & Dining : BookMyShow Vouchers Worth Rs. 1,000 on Achieving Monthly Spends and Complimentary Membership of EazyDiner Prime
Rewards Rate : 1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.
Reward Redemption : Membership Rewards Points redeemable for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotels loyalty programs and for making credit card bill payments under the Cash + Points scheme.
Travel : Complimentary Priority Pass, Accor Traveller, Taj Epicure Membership
Domestic Lounge Access : 12 complimentary domestic lounge visits (limited to 3 per quarter)
International Lounge Access : Two Free Visits Via Priority Pass
Golf : 2 complimentary rounds of golf per month at 32 premium golf destinations in India with a 100% waiver on the green fee.
Insurance Benefits : Air accident cover worth Rs. 1 crore, purchase protection against loss, damage, or burglary of any item purchased using the card
BOBCARD Premier Credit Card
Joining Fee - Lifetime Free (Limited Time Offer)
Rewards Rate : 10 Reward Points/100 Spent on Dining, Travel, and International Transactions. All Other Eligible Spends Shall Get 2 Reward Points/100
Reward Redemption : 1 Reward Point = 0.25
Domestic Lounge Access : 1 Complimentary Domestic Airport Lounge Access Every Quarter on Spends of 20,000 in the Previous Quarter
Insurance Benefits : Personal Accidental Death Cover
Standard Chartered Platinum Rewards Credit Card
Joining Fee - Nil
Rewards Rate : 1 reward point per Rs 150 you spend on all categories and 5 reward points per Rs 150 you spend on dining and fuel transactions
Reward Redemption : The reward points earned are redeemable against retail items and vouchers at a rate of 1 RP = Re. 0.25.
ICICI Bank Mine Credit Card
Joining Fee - Nil (Starter). Rs. 49 Monthly (Pro). Rs. 149 Monthly (Premium)
Rewards Rate : A cashback of 1% on all retail spends and 5% on exclusive partner brands.
Reward Redemption : 1 Mine cash is equivalent to Rs 0.5 on redemption against the ICICI Bank Reward catalog and 1 Mine cash is equivalent to Rs 1 on redemption against statement balance
Travel : Complimentary domestic airport and railway lounge access every month. 7% off on hotel bookings subject to a maximum discount of Rs 5,000 and 4% off up to Rs 600 flight bookings under the Pro and Premium plan of ICICI Mine credit card.
Domestic Lounge Access : With Premium Plan, get 1 complimentary visit to the domestic lounge per month.
ICICI Bank Carbon Credit Card
Joining Fee - Rs. 1,000 + GST
Movie & Dining : Up to 2 free movie tickets every month, a discount of 15% or more on dining.
Rewards Rate : 2 Reward Points per Rs. 100 spent with the card
Reward Redemption : The Reward Points are redeemable against cashback, gift, and several other options at a rate of 1 RP = Re. 0.25.
Travel : Get complimentary airport lounge access every quarter and exclusive discount offers on flight/hotel bookings
Domestic Lounge Access : 4 complimentary domestic lounge access per calendar quarter
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