Discover the best credit cards in India and start your credit journey with top-rated, lifetime free options.
IDFC HPCL First Power Plus Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : 25% off on movie tickets up to 100 once per month.
Rewards Rate : 30X Reward Points on HPCL Fuel up to 2,400 Reward Points. You can save up to 5% as rewards on grocery and utility expenses, up to 5% as a reward on IDFC FIRST FASTag recharges (max 1,000 per month), and 3X rewards on all other retail transactions.
Reward Redemption : 1 Reward Point = 0.25
Travel : Complimentary domestic airport lounge access once every quarter and complimentary roadside assistance worth 1,399 four times a year.
Domestic Lounge Access : 1 Complimentary Domestic Lounge Access Every Quarter (4 Each Year)
Insurance Benefits : The benefit of a personal accident cover of 2 lakh and lost card liability cover of 25,000.
IDFC HPCL FIRST Power Credit Card
Joining Fee - Rs. 199 + GST
Rewards Rate : Save up to 5% on your fuel spending. Save 2.5% as a reward on your utility and grocery expenses. 2.5% as a reward on your IDFC FASTag recharge. 2x rewards on all other retail spend.
Reward Redemption : You can pay for both online and offline transactions at select merchants instantly with your Reward Points. Redeem reward points for membership and gift vouchers of your favorite brands or for products on IDFC Banks Reward Redemption Catalog portal.
Travel : Complimentary roadside assistance worth 1,399
Insurance Benefits : Get personal accident cover worth 2 Lakhs and lost card liability cover worth 25,000
Axis Bank Primus Credit Card
Joining Fee - Rs. 5,00,000 + GST
Rewards Rate : 1 EDGE Mile/100 Spent on All Transactions
Reward Redemption : Redeem EDGE Miles for Product Catalog, Vouchers, and Partner Miles. 1 EDGE Mile = 5 Partner Miles
Travel : Airport Meet & Greet, Domestic Airport Transfers, Luxury Airport Transfers
Domestic Lounge Access : Unlimited Complimentary Domestic Lounge Access for Primary and Add-On Cardholders. 12 Free Guests Visits Each Year
International Lounge Access : Lounge Access- Unlimited Lounge Access for Primary and Add-On Cardholders With Priority Pass. 12 Complimentary Visits Each Year for Guests
Golf : Unlimited Domestic Golf Lessons and Rounds for Primary Cardholder (Along With One Guest). 4 Complimentary International Golf Rounds Along With One Guest
Insurance Benefits : Lost Card Liability of 25,00,000
IndianOil Axis Bank RuPay Credit Card
Joining Fee - Rs. 500 + GST
Movie & Dining : 10% instant discount on movie ticket bookings on BookMyShow
Rewards Rate : 20 Reward Points per Rs. 100 on fuel transactions at IOCL stations, 5 Reward Points per Rs. 100 on online shopping and 1 EDGE Point per Rs. 100 on all other spends with the card
Reward Redemption : Reward Points redeemable for shopping/travel vouchers and products (from the given product catalog) on Axis Bank EDGE Rewards Portal.
IndianOil Axis Bank Premium Credit Card
Joining Fee - Rs. 1,000 + GST
Movie & Dining : 30% Instant Discount on Zomato. 25% Discount on Dining Via Eazydiner (Upto 800)
Rewards Rate : 6X EDGE Miles/150 at IndianOil Outlets. 2X EDGE Miles/150 on Grocery Spends. 1X EDGE Miles on All Other Eligible Spends
Reward Redemption : EDGE Miles Can Be Redeemed for Fuel (1 EDGE Mile = 1). These Can Also Be Converted to Partner Points (1:1)
Domestic Lounge Access : 2 Free Lounge Visits Each Quarter
IndianOil HDFC Bank Credit Card
Joining Fee - Rs. 500 + GST
Rewards Rate : 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%
Reward Redemption : Fuel Points redeemable for Free Fuel using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership at IndianOil outlets (1 FP = 96 Paise), through net-banking towards catalog products (1 FP = 20 Paise) and as cashback on the credit card (1 FP = 20 Paise)
IndianOil Kotak Credit Card
Joining Fee - Rs. 449 + GST
Movie & Dining : Get 12 Reward Points on spending Rs. 150 on dining. You get 2% back as reward points on your dining spends.
Rewards Rate : Get 24 Reward Points on every Rs. 150 spent on fuel. Get 12 Reward Points on every Rs. 150 spent on grocery and dining. Get 3 Reward Points on every Rs. 150 spent on other transactions.
Reward Redemption : Reward Points can be redeemed as cashback or to buy merchandise, products, and vouchers on kotakrewards.com. You can redeem your Reward Points for IndianOil XTRAREWARDS as well.
Insurance Benefits : Insurance cover worth Rs. 2 Lakhs for personal accident
BPCL SBI Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : 5X Reward Points on movie and dining spends
Rewards Rate : 1 Reward Point per Rs. 100 (reward rate = 0.25%), 5x RPs on dining, movies, departmental stores, and groceries (reward rate = 1.25%), 13X RPs at BPCL pumps (reward rate = 3.25%)
Reward Redemption : Reward Points are redeemable against gift vouchers on sbicard.com or on the SBI mobile app, for purchases at BPCL petrol stations and against cash (cards statement balance). 4 Reward Points = Re. 1.
Fuel Surcharge : 4.25% Valueback ~ 13X* Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
BPCL SBI Octane Credit Card
Joining Fee - Rs. 1,499 + GST
Movie & Dining : Accelerated 10 Reward Points for Every 100 Spent on Dining and Movie Tickets.
Rewards Rate : 25 Reward Points/100 Spent at BPCL Fuel Stations (Reward Rate = 7.25%), 10 RPs/100 Spent on Groceries, Departmental Stores, and Movie Tickets, and 1 Reward Point for Every 100 Spent on All Other Expenditures
Reward Redemption : Redeem RPs for Fuel at BPCL Stations, Against Statement, or for Products and Vouchers With SBI
Travel : Complimentary domestic airport lounge visits
Domestic Lounge Access : 4 complimentary access to domestic lounges every year (1 per quarter).
Insurance Benefits : Fraud Liability Cover of 1 Lakh
Fuel Surcharge : Enjoy 7.25% Value back ~ 25X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 2500 Reward Points per billing cycle
HPCL ENERGIE BOBCARD Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : BOGO on Movies With District App
Rewards Rate : Get 24 Reward Points per Rs. 150 spent on fuel transactions at all the HPCL fuel stations. 10 Reward Points per Rs. 150 spent on groceries and departmental spends. 2 Reward Points per Rs. 150 spent on other categories.
Reward Redemption : The reward Points earned are redeemable for various options available on the BoB website and can be redeemed for cash as well. 1 RP = Rs. 0.25
Domestic Lounge Access : 1 Complimentary Domestic Airport Lounge Access Every Quarter on Spends of 20,000 in the Previous Quarter
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.
Standard Chartered Super Value Titanium Credit Card
Joining Fee - Rs. 750 + GST
Movie & Dining : Enjoy exclusive discounts and offers with the Standard Chartered Good Life programme
Rewards Rate : You get up to 5% cashback on fuel purchases, utility bills payments, telephone bills and 1 RP on every Rs 150 spent on other categories
Reward Redemption : You redeem these reward points by the Standard Chartered 360 reward program. 1 Reward Point = Re. 0.25.
Travel : Complimentary Priority Pass membership (for premium banking customers only)
ICICI Bank HPCL Super Saver Credit Card
Joining Fee - Rs. 500 + GST
Movie & Dining : 25% discount (max Rs. 100 per transaction) on movie tickets booked on BookMyShow and Inox movies individually, dining benefits under the ICICI Bank Culinary Treats Program
Rewards Rate : 4% cashback on fuel spends at HPCL pumps, 5% cashback as RPs on departmental store spends & utility purchases, 2 Reward points per Rs. 100 spent for all other domestic and international transactions.
Reward Redemption : 1 Reward Point = 0.25
Domestic Lounge Access : 1 Complimentary Lounge Access Every Quarter on Spends of 75,000 in the Previous Quarter
ICICI Bank HPCL Platinum Credit Card
Joining Fee - Rs. 199 + GST
Movie & Dining : Rs. 100 off on bookings movie tickets via BookMyShow (can be availed max twice in a month), minimum 15% savings on dining through ICICI Bank Culinary Treats Programme.
Rewards Rate : 2 Reward Points per Rs. 100 you spend with the card
Reward Redemption : 1 Reward Point = Rs. 0.25 for redemption against the card's statement balance or gifts.
Travel : 2 complimentary airport lounge visits outside India and 2 spa sessions at selected airports in India every year through complimentary Dreamfolks membership
International Lounge Access : 2 complimentary airport lounge visits outside India
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