Discover the best credit cards in India and start your credit journey with top-rated, lifetime free options.
IDFC First Bank Mayura Credit Card
Joining Fee - Rs. 5,999 + GST
Movie & Dining : BOGO on Movie Tickets Upto 500. This Can Be Availed Twice Each Month
Rewards Rate : 10X Reward Points/150 on Incremental Spends Above 20,000 Per Statement Cycle. 5X Reward Points/150 on Spends Upto 20,000. 3X RPs Are Also Awarded for Rent, Wallet Load, Education, and Government Transactions
Reward Redemption : Redeem for Vouchers/Cash Against Statement or Pay With Points. 1 RP = 0.25
Travel : 4 Complimentary Railway Lounge Access Each Quarter
Domestic Lounge Access : 4 Free Visits Across the Country Each Quarter, 16 in a Year. One Additional Free Guest Visit Each Quarter
International Lounge Access : 4 Free Visits Each Quarter, 16 in a Year
Golf : 2 Free Golf Rounds/Golf Lessons Each Month
Insurance Benefits : Purchase Protection, Travel Insurance, Free Trip Cancellation, and Personal Accident Cover
IDFC FIRST Millennia Credit Card
Joining Fee - Nil
Movie & Dining : 25% Discount Up to 100 on District App. 20% Discount on Popular Restaurants
Rewards Rate : 3X Reward Points Till Spends of 20,000. 10X Reward Points After Incremental Spends of 20,000
Travel : Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.
Insurance Benefits : Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.
IDFC First Private Credit Card
Joining Fee - Rs. 50,000 + GST
Movie & Dining : Get up to Rs. 750 discount on movie/non-movie bookings via BookMyShow
Rewards Rate : 3 Reward Points on every Rs. 100 spent offline and 6 RPs on every Rs. 100 spent online
Reward Redemption : 1 Reward Point = Re. 0.25 for redemption against various gift vouchers
Travel : Unlimited Railway Lounge Access Across India
Domestic Lounge Access : Unlimited Domestic Lounge Access (Primary and Add-On Cardholders)
International Lounge Access : Unlimited International Lounge Access (Primary and Add-On Cardholders)
Golf : Free Unlimited Golf Rounds/Lessons Every Month
Insurance Benefits : Travel Insurance and Air Accident Cover
IDFC Bank FIRST SWYP Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : 25% Discounts on Movie Tickets
Rewards Rate : 200, 500, and 1,000 RPs on Spends of Rs. 5,000, 10,000, and 15,000 Respectively
Reward Redemption : Points Can be Redeemed at IDFC First Rewards. Pay With Points Facility Also Available
Travel : 4 Free Railway Lounge Access Each Quarter
Insurance Benefits : Complimentary Insurance Covers are Provided
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 My Zone Credit Card
Joining Fee - Lifetime Free (Limited Time Period Only)
Movie & Dining : BOGO Offers on Movie Ticket Bookings Via District App. 15% Off on Partner Restaurants and Flat 120 Off on Food Orders with Swiggy.
Rewards Rate : 4 EDGE Points/200 (Reward Rate of 0.4%)
Reward Redemption : EDGE Points earned on the card are redeemable against shopping/travel vouchers or for purchasing products on the Axis Bank EDGE Rewards Portal
Domestic Lounge Access : 1 Complimentary Lounge Access Every Quarter (4 Each Year)
Axis Bank Olympus Credit Card
Joining Fee - Rs. 20,000 + GST
Movie & Dining : 30% Discount Up to 1,000 on Dining With Axis Dining Delights. Buy One Get One Free on Movie and Non-Movie Ticket Bookings With BMS
Rewards Rate : 1 EDGE Mile/100 on Domestic and 2 EDGE Mile/100 on International Spends
Reward Redemption : Redeem on Travel Edge (1 EDGE Mile = 4 Partner Points)
Travel : Complimentary Priority Pass, Airport Transfer Service, and Concierge Services
Domestic Lounge Access : Unlimited Airport Lounge Access
International Lounge Access : Unlimited International Airport Lounge Access With Priority Pass
Golf : 8 Complimentary Golf Lessons/Rounds Across Domestic Courses
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
HDFC Bank Harley Davidson Diners Club Credit Card
Joining Fee - Rs. 2,500 + GST
Movie & Dining : BOGO Offers for Movie Bookings with BookMyShow. 5X RPs for Spends on Zomato and Swiggy
Rewards Rate : 4 RPs for Each Spend of 150
Reward Redemption : Redeem on Smartbuy or Netbanking. Value of 1 RP Up to 0.50 (0.20 for Cash Redemption)
Travel : 10X Reward Points for Hotel and Flight Booking with Smartbuy
Domestic Lounge Access : 2 Visits Each Quarter
International Lounge Access : 2 Visits Each Quarter
Insurance Benefits : Accidental Air Death Cover of 1 Crore. Travel Insurance Worth 50,000
HDFC Bank Diners Club Privilege Credit Card
Joining Fee - Rs. 1,000 + GST
Movie & Dining : Get 5x (20) reward points per Rs. 150 spent on Swiggy and Zomato. Get a Buy One Get One offer on BookMyShow movie tickets for shows on Friday, Saturday, and Sunday.
Rewards Rate : 4 Reward Points on every Rs 150 spent and up to 10x RPs on Smartbuy spends.
Reward Redemption : 1 reward point = Rs 0.5 redeemable on SmartBuy reward portal for flight & hotels bookings, 1 reward point = 0.5 Air miles.
Travel : Get 8 complimentary airport lounge access across the world for both primary as well as add-on cardholders.
Domestic Lounge Access : Up to 8 complimentary domestic lounge access every year
International Lounge Access : Up to 8 complimentary international lounge access every year
Insurance Benefits : Insurance cover worth up to Rs 1 crore in case of an air accident and an emergency cover of Rs 25 lac in case of hospitalization abroad.
HDFC Platinum Times Credit Card
Joining Fee - NIL
Movie & Dining : 50% discount (max Rs. 600 per transaction) on Movie Tickets booked on BookMyShow15% discount up to maximum of Rs. 1500 at restaurants through PayEazy on Eazydiner
Rewards Rate : 3 Reward Points on every spend of 150. 10 reward points on every weekday dining spent of 150.
Reward Redemption : You can redeem rewards by logging into your HDFC Bank net banking account and clicking on the reward redemption link.
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.
Kotak League Platinum Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : Get a movie voucher from BookMyShow.com worth Rs 500
Rewards Rate : You get 8x reward points for every 150 spent on special categories and 4x reward points on every 150 spent on other categories up to 2 lacs. You 8x reward points on every Rs 150 spent on special categories and other categories above Rs 2 lacs.
Reward Redemption : You can redeem the reward point accumulated at the Kotak rewards portal. You can use the Pay with Points facility provided by the bank at the partner merchant store.
BookMyShow RBL Bank Play Credit Card
Joining Fee - Rs. 500 + GST
Movie & Dining : Get 2 complimentary movie/non-movie tickets (worth up to Rs. 250 each) every month on spending a minimum of Rs. 5,000 in a month.
Reward Redemption : The earned discount/free tickets can easily be redeemed on the BookMyShow app/official website.
RBL Bank Insignia Preferred Banking World Card
Joining Fee - Nil for Insignia Preferred Banking Customer. 7,000 + GST for Others
Movie & Dining : Flat Rs. 500 off on movie tickets on BookMyShow, Priority reservations, and personalized hospitality from the chef with an exclusive dining program.
Rewards Rate : 5 Reward Points per Rs. 100 spent on domestic transactions, 10 Reward Points per Rs. 100 spent on international transactions.
Reward Redemption : Reward Points redeemable for e-vouchers, mobile recharges, flight bookings, etc. 1 RP = Re 0.25 (approx)
Travel : You get complimentary domestic as well as international lounge access.
Domestic Lounge Access : 2 Complimentary Domestic Lounge Access Per Quarter
International Lounge Access : 6 complimentary international lounge access every year via Priority Pass
Golf : 4 complimentary rounds of green fees every year, 12 complimentary golf lessons every year.
RBL Bank Popcorn Credit Card
Joining Fee - Rs. 1,000 + GST
Movie & Dining : An opportunity to earn 2 free movie tickets every month.
Rewards Rate : 2 free movie tickets on spending Rs. 5,000 in a month.
Reward Redemption : The welcome/monthly offer can be redeemed by booking movie tickets through Bookmyshow and redeem weekly cashback by scanning the QR code at the back of the card.
Club Vistara IndusInd Bank Explorer Credit Card
Joining Fee - Rs. 40,000 + GST
Movie & Dining : Buy 1 Get 1 Free (BOGO) offer on movie tickets via BookMyShow & Rs. 3,000 off on dining twice a year.
Rewards Rate : On every spend of Rs. 200, you get 8 CV Points on the Club Vistara website, 6 CV Points on travel-related spends, 1 CV Point on utilities, insurance & fuel, and 2 CV Points elsewhere.
Reward Redemption : The CV Points earned are redeemable against travel-related bookings on Club Vistara website.
Travel : Complimentary domestic and international lounge visits.
Domestic Lounge Access : 1 domestic lounge visits every quarterly.
International Lounge Access : 4 complimentary access to international lounges every quarter via Priority Pass.
Insurance Benefits : Air accident cover (worth Rs. 2.5 crores) and many other travel insurance covers.
IndusInd Bank Celesta Credit Card
Joining Fee - Rs. 25,000 + GST
Movie & Dining : Get a 20% discount on movies and buy 1 get 1 free offer (BOGO) on movie tickets through BookMyShow. You get a complimentary EazyDiner Prime membership.
Rewards Rate : 1 Reward Point for every Rs. 100 you spend on domestic purchases. 3 Reward Points for every Rs. 100 you spend on international purchases.
Reward Redemption : Redeem Points for Airmiles 1 RP = 1 Airmile. For Cash 1 RP = 0.75
Travel : Get complimentary airport lounge visits
Domestic Lounge Access : Unlimited Free Domestic Airport Lounge Access
International Lounge Access : 2 complimentary international lounge access per quarter
Golf : 3 Complimentary Golf Games & Golf Lessons Each Month
Insurance Benefits : You get insurance coverage for an air accident, lost/delayed baggage, lost passport/ticket, missed connection, etc.
IndusInd Bank Iconia Visa Credit Card
Joining Fee - Rs. 3,499 + GST
Movie & Dining : Buy 1 get 1 free offer on movie tickets on Bookmyshow.
Rewards Rate : 0.75 Reward Point for every spend of Rs. 100 on weekdays. 1 Reward Point for every spend of Rs. 100 on weekends.
Reward Redemption : 1RP = Re. 1 for redemption against cash, 1 RP = 1 InterMile / 1 CV Point.
Travel : Complimentary Priority Pass Membership for you and your add-on cardholder.
Golf : Complimentary golf games and lessons at several leading golf clubs in India.
Insurance Benefits : Insurance coverage for lost baggage, delayed baggage, lost passport, lost ticket, and missed connection is provided.
IndusInd Bank Pioneer Heritage Credit Card
Joining Fee - Rs. 100,000 + GST
Movie & Dining : Up to 3 complimentary tickets every month on Pioneer Heritage credit card and 4 Complimentary tickets every calendar quarter on Pioneer Heritage Metal credit card. Also, you get 20% off on your non-movie bookings.
Rewards Rate : 2.5 Reward Points for Rs 100 spent on international transactions and 1 Reward Points for Rs 100 spent on domestic transactions.
Reward Redemption : 1 RP = Rs 1 redeemed against a host of redemption options such as the Indus Moments reward portal, AirMiles, and against statement cash
Travel : Complimentary Domestic and International lounge access, complimentary LoungeKey membership and get a complimentary third-night stay at Oberoi Hotels and Resorts.
Domestic Lounge Access : Unlimited (with Pioneer Heritage Metal credit card) and 2 per quarter (with Pioneer Heritage credit card)
International Lounge Access : Unlimited (with Pioneer Heritage Metal credit card) and 2 per quarter using LoungeKey membership (with Pioneer heritage Credit Card).
Golf : 12 complimentary rounds of green fees & 12 complimentary golf lessons every year. Also, you get 4 complimentary green fees rounds for guests.
Insurance Benefits : Complimentary air accident protection cover worth upto Rs 2.5 crore on this credit card
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
IndusInd Bank Pioneer Legacy Credit Card
Joining Fee - Rs. 50,000 + GST
Movie & Dining : Buy 1 Get 1 free offer on movie tickets on BookMyShow
Rewards Rate : Get 2 Reward Points on every Rs 100 spent on weekends and 1 Reward Point on every Rs 100 spent on weekdays.
Reward Redemption : 1 RP = 1 for Redemption for Cash
Travel : Complimentary domestic as well as international lounge access and several travel insurance covers.
Domestic Lounge Access : 1 complimentary domestic lounge access every quarter
International Lounge Access : 2 complimentary international lounge access every quarter with the Priority Pass.
Golf : 4 Free Golf Games Each Month on Spends of 25,000 in the Previous Statement Cycle
Insurance Benefits : Complimentary Air Accident cover worth Rs 25 lakhs.
IndusInd Bank Payback Credit Card
Joining Fee - Rs. 249 + GST
Rewards Rate : 20 PAYBACK Points per Rs. 100 spent on movies, 5 PAYBACK Points for groceries, dining, & shopping, and 2 PAYBACK Points on other spends.
Reward Redemption : Redeem your PAYBACK points against e-vouchers, recharges, buying products from the given catalog, etc. 1 PAYBACK Point = Re. 0.25.
Insurance Benefits : Covers personal air accident insurance up to Rs. 25 lakhs.
Standard Chartered DigiSmart Credit Card
Joining Fee - Rs. 49 + GST
Movie & Dining : Buy 1 Get 1 on INOX Movie Ticket Bookings and 10% Off on Zomato
Rewards Rate : Up to 25% off on travel-related spends on partner brands and up to 20% off on shopping at partner brand.
Travel : 20% off on domestic flight bookings with Yatra.com, 10% discount on international flight bookings, and up to 25% off on domestic hotel bookings.
ICICI Bank Emeralde Credit Card
Joining Fee - Rs. 1,000 + GST (per month)
Movie & Dining : A discount of up to Rs. 750 on BookMyShow second movie/event ticket onwards (max 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), a minimum discount of 15% at partnered restaurants under the ICICI Culinary Treats program.
Rewards Rate : 4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
Reward Redemption : The earned Reward Points can be redeemed against gifts or cash credit, where 1 Reward Point = Rs. 0.25
Travel : Complimentary international & domestic lounge visits, no charge (waived up to a max of Rs. 12,000) on cancellation of flight/hotel/movie ticket bookings up to max two cancellations every year
Domestic Lounge Access : Complimentary unlimited domestic airport lounge access under the MasterCard/American Express/Visa lounge program
International Lounge Access : Complimentary unlimited international airport lounge access under the Dreamfolks program membership
Golf : Complimentary round/lesson of golf each month on a minimum spend of Rs. 50,000 in the previous month (max 4/month)
Insurance Benefits : Credit Shield insurance worth Rs. 50,000, an air accidental death cover worth Rs. 3 crore and many other insurance benefits under travel category (as illustrated later in the article)
Adani One Signature Credit Card
Joining Fee - Rs. 5,000 + GST
Movie & Dining : 50% Off Upto 500 on BMS Bookings
Rewards Rate : 7% Adani Reward Points on Spends Made With Adani Ecosystem
Reward Redemption : On Adani Rewards
Travel : Exclusive Airport Benefits (Meet and Greet, Premium Upgrades and More)
Domestic Lounge Access : 4 Free Domestic Airport Lounge Visits Each Quarter
International Lounge Access : 2 International Lounge Visits Each Year
ICICI Bank Diamant Credit Card
Joining Fee - Rs. 1,25,000 + GST
Movie & Dining : Up to 4 complimentary movie tickets each month on BookMyShow, minimum 15% discount on dining bills at partner restaurants under Culinary Treats program, discount on dining at ITC and partner hotels with Club ITC Culinaire membership
Rewards Rate : 6 Reward Points per Rs. 100 on internationally and 3 Reward Points on domestic spends.
Reward Redemption : The ICICI Reward Points can be redeemed against cashback or gifts at a rate of 1 Reward Point = Rs. 0.25.
Travel : Taj Epicure Plus and InnerCircle Gold membership, unlimited complimentary domestic and international airport lounge access
Domestic Lounge Access : Unlimited complimentary domestic airport lounge access
International Lounge Access : Unlimited complimentary international airport lounge access
Golf : Unlimited complimentary rounds of golf at domestic and international Golf courses
Insurance Benefits : Credit shield cover worth Rs. 50,000 and many travel-related insurance benefits including a personal air accident cover worth Rs. 3 crore.
ICICI Manchester United Signature Credit Card
Joining Fee - Rs 2,499 + GST
Movie & Dining : Get up to 25% discount on Movie Ticket booking with BookMyShow and INOX. You also get access to exclusive dining offers with ICICI Bank Culinary Treats Programme.
Rewards Rate : You get 3 Reward points on domestic transactions, 4 Reward points on international transactions, and up to 5 Reward points on the Manchester United match days.
Reward Redemption : 1 RP = 0.25
Domestic Lounge Access : 2 Complimentary Domestic Lounges Access Per Quarter on Spending 75,000 or More in the Previous Quarter
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
YES Elite+ Credit Card
Joining Fee - Rs. 999 + GST
Movie & Dining : 25% Discount on Movie Bookings With BookMyShow. Up to 25% Discount on Dining at Select Restaurants
Rewards Rate : 12 RPs for every Rs. 200 spent online. 6 RPs per Rs. 200 you spend offline. 4 RPs on select categories like insurance, education, and rental payments.
Reward Redemption : RPs Earned Are Redeemable Through Yes Rewardz (1 RP = Re. 0.25 Against Hotel/Flight Bookings)
Domestic Lounge Access : 2 complimentary lounge access per quarter.
International Lounge Access : 3 Free Visits in a Year
Golf : 4 Green Fee waiver and 1 complimentary golf lesson every month at selected golf courses in India
Insurance Benefits : A Credit Shield Cover Worth 3 lakhs and Purchase Protection
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