The Best Credit Cards In India
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At Our Money Guide, we understand how overwhelming choosing the right credit card can be. With so many options, reward structures, offers, and fees, it’s easy to feel lost. That’s why our mission is to simplify credit card selection and make the process hassle-free for you.
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Our Money Guide bring together all types of credit cards, from cashback to travel rewards, to match your needs and lifestyle. Whether you’re a frequent shopper or traveler, there’s something for everyone.
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Compare a Wide Range of Credit Cards
Explore a wide range of credit cards from top banks in India. See their features & benefits, rewards, fees, and eligibility requirements side by side.
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Pick a card that matches your lifestyle and spending habits. Find your perfect fit, whether it’s cashback, travel, or shopping.
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Once approved, start using your card and enjoy its benefits.
Compare a Wide Range of Credit Cards
Explore a wide range of credit cards from top banks in India. See their features & benefits, rewards, fees, and eligibility requirements side by side.
Choose the Right Card
Pick a card that matches your lifestyle and spending habits. Find your perfect fit, whether it’s cashback, travel, or shopping.
Simply Click to Apply
After selecting a suitable card, just click and apply conveniently on Our Money Guide website from anywhere you are. It’s quick and easy.
Get Approved and Enjoy Benefits
Once approved, start using your card and enjoy its benefits.
Top Credit Cards in India
Most Popular Cards
Amazon Pay ICICI Bank Cre...
Cashback SBI Credit Card...
Axis Bank ATLAS Credit Ca...
Swiggy HDFC Bank Credit C...
HDFC Bank Millennia Credi...
Flipkart Axis Bank Credit...
HDFC Bank Diners Club Bla...
HDFC Bank Regalia Gold Cr...
Amazon Pay ICICI Bank Cre...
Axis Bank ATLAS Credit Ca...
HDFC Bank Diners Club Bla...
HDFC Bank Regalia Gold Cr...
Amazon Pay ICICI Bank Cre...
Cashback SBI Credit Card...
Swiggy HDFC Bank Credit C...
Flipkart Axis Bank Credit...
HDFC Bank Millennia Credi...
Tata Neu Infinity HDFC Ba...
HDFC Bank Diners Club Bla...
Axis Bank ATLAS Credit Ca...
Cashback SBI Credit Card...
Amazon Pay ICICI Bank Cre...
Swiggy HDFC Bank Credit C...
HDFC Bank Millennia Credi...
Flipkart Axis Bank Credit...
BPCL SBI Octane Credit Ca...
HDFC Bank Diners Club Bla...
Axis Bank ATLAS Credit Ca...
HDFC Bank Regalia Gold Cr...
Tata Neu Infinity HDFC Ba...
Axis Bank ATLAS Credit Ca...
Axis Bank Magnus Credit C...
BPCL SBI Octane Credit Ca...
HDFC Bank Diners Club Bla...
HDFC Bank Regalia Gold Cr...
4.5
By: Our Money Guide || Last updated on: November 7, 2025The Amazon Pay ICICI Credit Card stands out as one of India's most popular cashback credit cards, particularly for online shopping enthusiasts. Besides high cashback rewards, it is lifetime free which further enhances its appeal. Amazon India's diverse & comprehensive marketplace helps consumers earn high rewards on a variety of spends. Key HighlightsLifetime Free (no annual fees)5% Cashback on Amazon India for Prime members3% Cashback on Amazon India for non-Prime members2% Cashback at 100+ Amazon Pay partner merchantsNo monthly limits on earning cashbackNo Airport Lounge AccessIncome Requirements: Salaried: ₹20,000 per month, Self-employed: ₹3.60 lakhs per year Foreign Currency Markup: 3.5% on the value of international transactionsFinance Charges: 3.75% per month (45% annually) on outstanding balancesDetailed Review
4.50
By: Our Money Guide || Last updated on: November 7, 2025The SBI Cashback Credit Card is one of the best online shopping credit cards in India, offering an impressive 5% cashback on online purchases. If you're comfortable shopping online, this card can reward you on almost all your purchases, making it a top choice among cashback credit cards. It also has a generous monthly cashback limit, helping you earn more on a larger share of your purchases.If you are a moderate spender, you should be able to achieve the yearly card spending requirements for annual fee waivers.SBI Cashback Credit Card's redemption process is very straightforward - the cashback amount is simply paid into your credit card statement, eliminating complex reward point systems that other cards often use.Quick SummarySBI Cashback Card Benefits5% cashback on online purchases1% cashback on all other card spends Monthly cashback limit: ₹5,000 per monthImportant exclusions: Rent, fuel, utilities, insurance, wallet loads, educational services, jewelry, railways, EMI, standing instructions, cash advances, balance transferFuel surcharge waiver, up to ₹100 per monthNo airport lounge access benefitChargesAnnual fee: ₹999, waived if you spend ₹2 lakh or more in the previous yearForeign currency fee on international card transactions: 3.50% of the transaction valueLet us review this popular card in detail - pros & cons, benefits, charges, eligibility requirements, and application process.Detailed Review -
4.25
By: Our Money Guide || Last updated on: November 10, 2025The Axis Bank ATLAS Credit Card stands out as one of India's best travel credit cards, offering exceptional rewards especially on travel spending and comprehensive lifestyle benefits. This card is especially suitable for airline & hotel points experts who can leverage the extensive travel partner ecosystem (20+ high-vale airline and hotel partners), and can find high-value redemptions.Key HighlightsFeatureDetailsRewards on Card Spending10% returns (in terms of partner points) on travel purchases; up to 20% effective returns on high value partners like Accor4% returns (in terms of partner points) on travel purchases; up to 8% effective returns on high value partners like AccorAirport Lounge Access Up to 18 free visits (domestic), up to 12 (international).Annual spend based lounge program.Annual Fee₹5,000 Welcome Offer2,500 EDGE MilesEligibility (Minimum Income)Salaried: ₹12 lakhs per yearSelf-employed: ₹15 lakhs per yearAXIS ATLAS Credit Card: Detailed Review
4.25
By: Our Money Guide || Last updated on: November 10, 2025Swiggy HDFC Bank Credit Card is one of the best cashback credit cards in India, offering attractive cashback rewards on online spending, and on various Swiggy services - groceries, food delivery and restaurants. With its impressive cashback on Swiggy platforms and major e-commerce websites, this card delivers substantial value for Swiggy users & digital consumers.Quick OverviewSwiggy: 10% cashback on Swiggy apps (Food delivery, Instamart groceries, Dineout restaurants, Genie). Monthly cashback limit - ₹1500, reached at ₹15,000 spending.Online spending: 5% cashback on online purchases across various categories including Amazon and Flipkart. Monthly cashback limit - ₹1500, reached at ₹30,000 spending.Complimentary golf: 4 free golf rounds per year (maximum 1 per month). And 1 free golf lesson per month Airport lounge access: Not availableWelcome offer: Complimentary 3-month Swiggy One MembershipAnnual fee: ₹500, waived if you spend ₹2 lakhs or more in the previous yearRelatively low minimum income requirements: Salaried - ₹15,000 per month, Self-employed - ₹6 lakhs per year
4.0
By: Our Money Guide || Last updated on: November 11, 2025The HDFC Millennia Credit Card is one of India's most popular cashback cards for online shopping.With this versatile credit card, shoppers can get attractive cashback rewards on well-know e-commerce platforms like Amazon & Flipkart, and other well-known partners like Myntra, Tata Cliq, Zomato, & Swiggy. Customers can also get airport lounge access through the milestone program.The card is suitable for moderate spenders since the monthly cashback limit is lower than some of its competitors, but it has a lower yearly spending requirement for annual fee waivers.Quick OverviewFeatureDetailsAnnual Fee₹1,000 (waived on ₹1 lakh annual spend)Welcome Bonus1,000 CashPoints worth ₹1,000Primary Benefit5% cashback on select partners: Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, UberMonthly cashback limit: ₹1000, reached at ₹20,000 monthly spendAirport Lounge AccessYes (through milestone benefit, requires ₹1 lakh quarterly spend)Minimum Income₹35,000 per month (salaried), ₹6 lakhs per year (self-employed)Important Charges Forex Fee on International Transactions: 3.50% of transaction valueFinance Charges: 3.75% per month Let us review this HDFC card in detail - pros & cons, benefits, charges, eligibility requirements and application process.
4.0
By: Our Money Guide || Last updated on: November 10, 2025The Flipkart Axis Bank Credit Card is one of India's best online shopping credit cards, offering excellent cashback rewards for digital shoppers. It offers excellent rewards on select partners, especially on Myntra spends. However the yearly spending requirements for annual fee waivers is comparatively high, making it suitable for heavy users of the partner platforms.Quick OverviewFeatureDetailsPrimary Cashback Partners5% cashback on Flipkart & Cleartrip, 7.5% on MyntraQuarterly cashback limit: ₹4000 at each partnerOther Preferred PartnersUnlimited 4% cashback at popular partners - Swiggy, Uber, PVR, Cult FitAnnual Fee₹500 (waived on ₹3.5 lakh annual spend)Welcome OfferWelcome benefits worth ₹350Minimum IncomeSalaried: ₹15,000/month, Self-employed: ₹30,000/monthOther Important Charges Foreign Currency Markup: 3.5% of transaction valueFinance Charges: 3.75% per month on outstanding balances
4.25
By: Our Money Guide | Last updated on: November 10, 2025HDFC Bank Diners Club Black Metal Edition Credit Card is one of the best super premium cards in India, offering exceptional rewards of up to 33.3% on card spending. With an annual fee of ₹10,000, this metal credit card delivers world-class benefits including unlimited airport lounge access, complimentary golf rounds, and exclusive lifestyle memberships.Brief OverviewFeatureDetailsAnnual Fee₹10,000 (waived on ₹8 lakh annual spend)Reward Rate3.3% base rate, up to 33.3% through SmartbuyLounge AccessUnlimited domestic & internationalGolf Benefits6 complimentary rounds per quarterWelcome BenefitsClub Marriott, Amazon Prime, Swiggy One membershipsForex Fee on International Transactions2%Eligibility (Minimum Income)₹2.50 lakh per month (salaried)₹30 lakhs per year (self-employed)Detailed Review
4.0
By: Our Money Guide || Last updated on: November 11, 2025The HDFC Regalia Gold Credit Card offers up to 17.3% rewards through SmartBuy platform, comprehensive travel benefits including 18 access annually, and milestone vouchers worth up to ₹16,000. With ₹2,500 annual fee (waived on ₹4 lakh annual spending), it's positioned as a premium all-rounder card.Quick OverviewFeatureDetailsAnnual Fee₹2500, waived at ₹4 lakh annual card spendWelcome Benefit₹2500 gift voucher + complimentary Swiggy One and MMT Black Gold MembershipAirport Lounge Access12 domestic visits + 6 international (each year)Reward Rate on Card Spending17.3% reward on hotels and select partners8.6% reward on flights, gift vouchers, holiday packages and select partners5.2% reward on train ticketsNotesAssumes high value rewards redemption on Gold Catalogue (₹0.65 per point)Monthly limit: 4,000 accelerated reward points, reached at spending between ₹16,666 and ₹75000 depending on spend categoriesAdditional Rewards Based on Annual Card Spending Up to 2.1% at ₹7.50 lakh annual spendForex Fee on International Transactions2%Eligibility Salaried: ₹1.50 lakh per monthSelf-employed: ₹18 lakhs per year (in ITR)Government employees (salaried): ₹1 lakh per monthHDFC Regalia Gold Credit Card: Detailed Review
4.5
By: Our Money Guide || Last updated on: November 7, 2025The Amazon Pay ICICI Credit Card stands out as one of India's most popular cashback credit cards, particularly for online shopping enthusiasts. Besides high cashback rewards, it is lifetime free which further enhances its appeal. Amazon India's diverse & comprehensive marketplace helps consumers earn high rewards on a variety of spends. Key HighlightsLifetime Free (no annual fees)5% Cashback on Amazon India for Prime members3% Cashback on Amazon India for non-Prime members2% Cashback at 100+ Amazon Pay partner merchantsNo monthly limits on earning cashbackNo Airport Lounge AccessIncome Requirements: Salaried: ₹20,000 per month, Self-employed: ₹3.60 lakhs per year Foreign Currency Markup: 3.5% on the value of international transactionsFinance Charges: 3.75% per month (45% annually) on outstanding balancesDetailed Review
4.25
By: Our Money Guide || Last updated on: November 10, 2025The Axis Bank ATLAS Credit Card stands out as one of India's best travel credit cards, offering exceptional rewards especially on travel spending and comprehensive lifestyle benefits. This card is especially suitable for airline & hotel points experts who can leverage the extensive travel partner ecosystem (20+ high-vale airline and hotel partners), and can find high-value redemptions.Key HighlightsFeatureDetailsRewards on Card Spending10% returns (in terms of partner points) on travel purchases; up to 20% effective returns on high value partners like Accor4% returns (in terms of partner points) on travel purchases; up to 8% effective returns on high value partners like AccorAirport Lounge Access Up to 18 free visits (domestic), up to 12 (international).Annual spend based lounge program.Annual Fee₹5,000 Welcome Offer2,500 EDGE MilesEligibility (Minimum Income)Salaried: ₹12 lakhs per yearSelf-employed: ₹15 lakhs per yearAXIS ATLAS Credit Card: Detailed Review
4.25
By: Our Money Guide | Last updated on: November 10, 2025HDFC Bank Diners Club Black Metal Edition Credit Card is one of the best super premium cards in India, offering exceptional rewards of up to 33.3% on card spending. With an annual fee of ₹10,000, this metal credit card delivers world-class benefits including unlimited airport lounge access, complimentary golf rounds, and exclusive lifestyle memberships.Brief OverviewFeatureDetailsAnnual Fee₹10,000 (waived on ₹8 lakh annual spend)Reward Rate3.3% base rate, up to 33.3% through SmartbuyLounge AccessUnlimited domestic & internationalGolf Benefits6 complimentary rounds per quarterWelcome BenefitsClub Marriott, Amazon Prime, Swiggy One membershipsForex Fee on International Transactions2%Eligibility (Minimum Income)₹2.50 lakh per month (salaried)₹30 lakhs per year (self-employed)Detailed Review
4.0
By: Our Money Guide || Last updated on: November 11, 2025The HDFC Regalia Gold Credit Card offers up to 17.3% rewards through SmartBuy platform, comprehensive travel benefits including 18 access annually, and milestone vouchers worth up to ₹16,000. With ₹2,500 annual fee (waived on ₹4 lakh annual spending), it's positioned as a premium all-rounder card.Quick OverviewFeatureDetailsAnnual Fee₹2500, waived at ₹4 lakh annual card spendWelcome Benefit₹2500 gift voucher + complimentary Swiggy One and MMT Black Gold MembershipAirport Lounge Access12 domestic visits + 6 international (each year)Reward Rate on Card Spending17.3% reward on hotels and select partners8.6% reward on flights, gift vouchers, holiday packages and select partners5.2% reward on train ticketsNotesAssumes high value rewards redemption on Gold Catalogue (₹0.65 per point)Monthly limit: 4,000 accelerated reward points, reached at spending between ₹16,666 and ₹75000 depending on spend categoriesAdditional Rewards Based on Annual Card Spending Up to 2.1% at ₹7.50 lakh annual spendForex Fee on International Transactions2%Eligibility Salaried: ₹1.50 lakh per monthSelf-employed: ₹18 lakhs per year (in ITR)Government employees (salaried): ₹1 lakh per monthHDFC Regalia Gold Credit Card: Detailed Review
4.5
By: Our Money Guide || Last updated on: November 7, 2025The Amazon Pay ICICI Credit Card stands out as one of India's most popular cashback credit cards, particularly for online shopping enthusiasts. Besides high cashback rewards, it is lifetime free which further enhances its appeal. Amazon India's diverse & comprehensive marketplace helps consumers earn high rewards on a variety of spends. Key HighlightsLifetime Free (no annual fees)5% Cashback on Amazon India for Prime members3% Cashback on Amazon India for non-Prime members2% Cashback at 100+ Amazon Pay partner merchantsNo monthly limits on earning cashbackNo Airport Lounge AccessIncome Requirements: Salaried: ₹20,000 per month, Self-employed: ₹3.60 lakhs per year Foreign Currency Markup: 3.5% on the value of international transactionsFinance Charges: 3.75% per month (45% annually) on outstanding balancesDetailed Review
4.50
By: Our Money Guide || Last updated on: November 7, 2025The SBI Cashback Credit Card is one of the best online shopping credit cards in India, offering an impressive 5% cashback on online purchases. If you're comfortable shopping online, this card can reward you on almost all your purchases, making it a top choice among cashback credit cards. It also has a generous monthly cashback limit, helping you earn more on a larger share of your purchases.If you are a moderate spender, you should be able to achieve the yearly card spending requirements for annual fee waivers.SBI Cashback Credit Card's redemption process is very straightforward - the cashback amount is simply paid into your credit card statement, eliminating complex reward point systems that other cards often use.Quick SummarySBI Cashback Card Benefits5% cashback on online purchases1% cashback on all other card spends Monthly cashback limit: ₹5,000 per monthImportant exclusions: Rent, fuel, utilities, insurance, wallet loads, educational services, jewelry, railways, EMI, standing instructions, cash advances, balance transferFuel surcharge waiver, up to ₹100 per monthNo airport lounge access benefitChargesAnnual fee: ₹999, waived if you spend ₹2 lakh or more in the previous yearForeign currency fee on international card transactions: 3.50% of the transaction valueLet us review this popular card in detail - pros & cons, benefits, charges, eligibility requirements, and application process.Detailed Review -
4.25
By: Our Money Guide || Last updated on: November 10, 2025Swiggy HDFC Bank Credit Card is one of the best cashback credit cards in India, offering attractive cashback rewards on online spending, and on various Swiggy services - groceries, food delivery and restaurants. With its impressive cashback on Swiggy platforms and major e-commerce websites, this card delivers substantial value for Swiggy users & digital consumers.Quick OverviewSwiggy: 10% cashback on Swiggy apps (Food delivery, Instamart groceries, Dineout restaurants, Genie). Monthly cashback limit - ₹1500, reached at ₹15,000 spending.Online spending: 5% cashback on online purchases across various categories including Amazon and Flipkart. Monthly cashback limit - ₹1500, reached at ₹30,000 spending.Complimentary golf: 4 free golf rounds per year (maximum 1 per month). And 1 free golf lesson per month Airport lounge access: Not availableWelcome offer: Complimentary 3-month Swiggy One MembershipAnnual fee: ₹500, waived if you spend ₹2 lakhs or more in the previous yearRelatively low minimum income requirements: Salaried - ₹15,000 per month, Self-employed - ₹6 lakhs per year
4.0
By: Our Money Guide || Last updated on: November 10, 2025The Flipkart Axis Bank Credit Card is one of India's best online shopping credit cards, offering excellent cashback rewards for digital shoppers. It offers excellent rewards on select partners, especially on Myntra spends. However the yearly spending requirements for annual fee waivers is comparatively high, making it suitable for heavy users of the partner platforms.Quick OverviewFeatureDetailsPrimary Cashback Partners5% cashback on Flipkart & Cleartrip, 7.5% on MyntraQuarterly cashback limit: ₹4000 at each partnerOther Preferred PartnersUnlimited 4% cashback at popular partners - Swiggy, Uber, PVR, Cult FitAnnual Fee₹500 (waived on ₹3.5 lakh annual spend)Welcome OfferWelcome benefits worth ₹350Minimum IncomeSalaried: ₹15,000/month, Self-employed: ₹30,000/monthOther Important Charges Foreign Currency Markup: 3.5% of transaction valueFinance Charges: 3.75% per month on outstanding balances
4.0
By: Our Money Guide || Last updated on: November 11, 2025The HDFC Millennia Credit Card is one of India's most popular cashback cards for online shopping.With this versatile credit card, shoppers can get attractive cashback rewards on well-know e-commerce platforms like Amazon & Flipkart, and other well-known partners like Myntra, Tata Cliq, Zomato, & Swiggy. Customers can also get airport lounge access through the milestone program.The card is suitable for moderate spenders since the monthly cashback limit is lower than some of its competitors, but it has a lower yearly spending requirement for annual fee waivers.Quick OverviewFeatureDetailsAnnual Fee₹1,000 (waived on ₹1 lakh annual spend)Welcome Bonus1,000 CashPoints worth ₹1,000Primary Benefit5% cashback on select partners: Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, UberMonthly cashback limit: ₹1000, reached at ₹20,000 monthly spendAirport Lounge AccessYes (through milestone benefit, requires ₹1 lakh quarterly spend)Minimum Income₹35,000 per month (salaried), ₹6 lakhs per year (self-employed)Important Charges Forex Fee on International Transactions: 3.50% of transaction valueFinance Charges: 3.75% per month Let us review this HDFC card in detail - pros & cons, benefits, charges, eligibility requirements and application process.
4.0
By: Our Money Guide | Last updated on: November 14, 2025The Tata Neu Infinity HDFC Bank Credit Card is one of India's most rewarding credit cards for Tata brand enthusiasts, a very good choice for frequent shoppers at Tata brands like BigBasket, Croma, Titan, Air India, and Taj Hotels. This comprehensive review covers everything you need to know about the HDFC Tata Neu Infinity card, from its exceptional benefits to application process.Brief OverviewBenefitsUp to 10% rewards on Tata brand purchases through Tata Neu app5% rewards on utility bill payments1.50% rewards on all other purchases and UPI transactionsComplimentary international lounge access (4 times per year)Complimentary domestic airport lounge access (8 times per year)Emergency medical cover of up to ₹15 lakhs overseasFees & EligibilityAnnual fee - ₹1499, waived at ₹3 lakhs annual card spendFee on international card transactions - 2% of the transaction valueMinimum income: Salaried - ₹1 lakh per month, Self-employed - ₹12 lakhs per year
4.25
By: Our Money Guide | Last updated on: November 10, 2025HDFC Bank Diners Club Black Metal Edition Credit Card is one of the best super premium cards in India, offering exceptional rewards of up to 33.3% on card spending. With an annual fee of ₹10,000, this metal credit card delivers world-class benefits including unlimited airport lounge access, complimentary golf rounds, and exclusive lifestyle memberships.Brief OverviewFeatureDetailsAnnual Fee₹10,000 (waived on ₹8 lakh annual spend)Reward Rate3.3% base rate, up to 33.3% through SmartbuyLounge AccessUnlimited domestic & internationalGolf Benefits6 complimentary rounds per quarterWelcome BenefitsClub Marriott, Amazon Prime, Swiggy One membershipsForex Fee on International Transactions2%Eligibility (Minimum Income)₹2.50 lakh per month (salaried)₹30 lakhs per year (self-employed)Detailed Review
4.25
By: Our Money Guide || Last updated on: November 10, 2025The Axis Bank ATLAS Credit Card stands out as one of India's best travel credit cards, offering exceptional rewards especially on travel spending and comprehensive lifestyle benefits. This card is especially suitable for airline & hotel points experts who can leverage the extensive travel partner ecosystem (20+ high-vale airline and hotel partners), and can find high-value redemptions.Key HighlightsFeatureDetailsRewards on Card Spending10% returns (in terms of partner points) on travel purchases; up to 20% effective returns on high value partners like Accor4% returns (in terms of partner points) on travel purchases; up to 8% effective returns on high value partners like AccorAirport Lounge Access Up to 18 free visits (domestic), up to 12 (international).Annual spend based lounge program.Annual Fee₹5,000 Welcome Offer2,500 EDGE MilesEligibility (Minimum Income)Salaried: ₹12 lakhs per yearSelf-employed: ₹15 lakhs per yearAXIS ATLAS Credit Card: Detailed Review
4.50
By: Our Money Guide || Last updated on: November 7, 2025The SBI Cashback Credit Card is one of the best online shopping credit cards in India, offering an impressive 5% cashback on online purchases. If you're comfortable shopping online, this card can reward you on almost all your purchases, making it a top choice among cashback credit cards. It also has a generous monthly cashback limit, helping you earn more on a larger share of your purchases.If you are a moderate spender, you should be able to achieve the yearly card spending requirements for annual fee waivers.SBI Cashback Credit Card's redemption process is very straightforward - the cashback amount is simply paid into your credit card statement, eliminating complex reward point systems that other cards often use.Quick SummarySBI Cashback Card Benefits5% cashback on online purchases1% cashback on all other card spends Monthly cashback limit: ₹5,000 per monthImportant exclusions: Rent, fuel, utilities, insurance, wallet loads, educational services, jewelry, railways, EMI, standing instructions, cash advances, balance transferFuel surcharge waiver, up to ₹100 per monthNo airport lounge access benefitChargesAnnual fee: ₹999, waived if you spend ₹2 lakh or more in the previous yearForeign currency fee on international card transactions: 3.50% of the transaction valueLet us review this popular card in detail - pros & cons, benefits, charges, eligibility requirements, and application process.Detailed Review -
4.5
By: Our Money Guide || Last updated on: November 7, 2025The Amazon Pay ICICI Credit Card stands out as one of India's most popular cashback credit cards, particularly for online shopping enthusiasts. Besides high cashback rewards, it is lifetime free which further enhances its appeal. Amazon India's diverse & comprehensive marketplace helps consumers earn high rewards on a variety of spends. Key HighlightsLifetime Free (no annual fees)5% Cashback on Amazon India for Prime members3% Cashback on Amazon India for non-Prime members2% Cashback at 100+ Amazon Pay partner merchantsNo monthly limits on earning cashbackNo Airport Lounge AccessIncome Requirements: Salaried: ₹20,000 per month, Self-employed: ₹3.60 lakhs per year Foreign Currency Markup: 3.5% on the value of international transactionsFinance Charges: 3.75% per month (45% annually) on outstanding balancesDetailed Review
4.25
By: Our Money Guide || Last updated on: November 10, 2025Swiggy HDFC Bank Credit Card is one of the best cashback credit cards in India, offering attractive cashback rewards on online spending, and on various Swiggy services - groceries, food delivery and restaurants. With its impressive cashback on Swiggy platforms and major e-commerce websites, this card delivers substantial value for Swiggy users & digital consumers.Quick OverviewSwiggy: 10% cashback on Swiggy apps (Food delivery, Instamart groceries, Dineout restaurants, Genie). Monthly cashback limit - ₹1500, reached at ₹15,000 spending.Online spending: 5% cashback on online purchases across various categories including Amazon and Flipkart. Monthly cashback limit - ₹1500, reached at ₹30,000 spending.Complimentary golf: 4 free golf rounds per year (maximum 1 per month). And 1 free golf lesson per month Airport lounge access: Not availableWelcome offer: Complimentary 3-month Swiggy One MembershipAnnual fee: ₹500, waived if you spend ₹2 lakhs or more in the previous yearRelatively low minimum income requirements: Salaried - ₹15,000 per month, Self-employed - ₹6 lakhs per year
4.0
By: Our Money Guide || Last updated on: November 11, 2025The HDFC Millennia Credit Card is one of India's most popular cashback cards for online shopping.With this versatile credit card, shoppers can get attractive cashback rewards on well-know e-commerce platforms like Amazon & Flipkart, and other well-known partners like Myntra, Tata Cliq, Zomato, & Swiggy. Customers can also get airport lounge access through the milestone program.The card is suitable for moderate spenders since the monthly cashback limit is lower than some of its competitors, but it has a lower yearly spending requirement for annual fee waivers.Quick OverviewFeatureDetailsAnnual Fee₹1,000 (waived on ₹1 lakh annual spend)Welcome Bonus1,000 CashPoints worth ₹1,000Primary Benefit5% cashback on select partners: Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, UberMonthly cashback limit: ₹1000, reached at ₹20,000 monthly spendAirport Lounge AccessYes (through milestone benefit, requires ₹1 lakh quarterly spend)Minimum Income₹35,000 per month (salaried), ₹6 lakhs per year (self-employed)Important Charges Forex Fee on International Transactions: 3.50% of transaction valueFinance Charges: 3.75% per month Let us review this HDFC card in detail - pros & cons, benefits, charges, eligibility requirements and application process.
4.0
By: Our Money Guide || Last updated on: November 10, 2025The Flipkart Axis Bank Credit Card is one of India's best online shopping credit cards, offering excellent cashback rewards for digital shoppers. It offers excellent rewards on select partners, especially on Myntra spends. However the yearly spending requirements for annual fee waivers is comparatively high, making it suitable for heavy users of the partner platforms.Quick OverviewFeatureDetailsPrimary Cashback Partners5% cashback on Flipkart & Cleartrip, 7.5% on MyntraQuarterly cashback limit: ₹4000 at each partnerOther Preferred PartnersUnlimited 4% cashback at popular partners - Swiggy, Uber, PVR, Cult FitAnnual Fee₹500 (waived on ₹3.5 lakh annual spend)Welcome OfferWelcome benefits worth ₹350Minimum IncomeSalaried: ₹15,000/month, Self-employed: ₹30,000/monthOther Important Charges Foreign Currency Markup: 3.5% of transaction valueFinance Charges: 3.75% per month on outstanding balances
4.25
By: Our Money Guide || Last updated on: November 20, 2025Looking for the best fuel credit card in India? The SBI BPCL Octane Credit Card is a co-branded partnership between Bharat Petroleum Corporation Limited (BPCL) and State Bank of India (SBI). Available on both Visa and RuPay networks, this premium fuel card delivers unmatched rewards for BPCL customers. Brief OverviewPrimary Benefits: 7.25% reward on BPCL fuel purchases up to ₹10,000 per monthDomestic airport lounge access - 4 visits per year 2.50% reward on groceries, departmental stores, movies, and diningWelcome bonus: 6,000 reward points (worth ₹1,500)Annual Fee: ₹1,499 (waived on ₹2 lakh annual spending)Detailed Review
4.25
By: Our Money Guide | Last updated on: November 10, 2025HDFC Bank Diners Club Black Metal Edition Credit Card is one of the best super premium cards in India, offering exceptional rewards of up to 33.3% on card spending. With an annual fee of ₹10,000, this metal credit card delivers world-class benefits including unlimited airport lounge access, complimentary golf rounds, and exclusive lifestyle memberships.Brief OverviewFeatureDetailsAnnual Fee₹10,000 (waived on ₹8 lakh annual spend)Reward Rate3.3% base rate, up to 33.3% through SmartbuyLounge AccessUnlimited domestic & internationalGolf Benefits6 complimentary rounds per quarterWelcome BenefitsClub Marriott, Amazon Prime, Swiggy One membershipsForex Fee on International Transactions2%Eligibility (Minimum Income)₹2.50 lakh per month (salaried)₹30 lakhs per year (self-employed)Detailed Review
4.25
By: Our Money Guide || Last updated on: November 10, 2025The Axis Bank ATLAS Credit Card stands out as one of India's best travel credit cards, offering exceptional rewards especially on travel spending and comprehensive lifestyle benefits. This card is especially suitable for airline & hotel points experts who can leverage the extensive travel partner ecosystem (20+ high-vale airline and hotel partners), and can find high-value redemptions.Key HighlightsFeatureDetailsRewards on Card Spending10% returns (in terms of partner points) on travel purchases; up to 20% effective returns on high value partners like Accor4% returns (in terms of partner points) on travel purchases; up to 8% effective returns on high value partners like AccorAirport Lounge Access Up to 18 free visits (domestic), up to 12 (international).Annual spend based lounge program.Annual Fee₹5,000 Welcome Offer2,500 EDGE MilesEligibility (Minimum Income)Salaried: ₹12 lakhs per yearSelf-employed: ₹15 lakhs per yearAXIS ATLAS Credit Card: Detailed Review
4.0
By: Our Money Guide || Last updated on: November 11, 2025The HDFC Regalia Gold Credit Card offers up to 17.3% rewards through SmartBuy platform, comprehensive travel benefits including 18 access annually, and milestone vouchers worth up to ₹16,000. With ₹2,500 annual fee (waived on ₹4 lakh annual spending), it's positioned as a premium all-rounder card.Quick OverviewFeatureDetailsAnnual Fee₹2500, waived at ₹4 lakh annual card spendWelcome Benefit₹2500 gift voucher + complimentary Swiggy One and MMT Black Gold MembershipAirport Lounge Access12 domestic visits + 6 international (each year)Reward Rate on Card Spending17.3% reward on hotels and select partners8.6% reward on flights, gift vouchers, holiday packages and select partners5.2% reward on train ticketsNotesAssumes high value rewards redemption on Gold Catalogue (₹0.65 per point)Monthly limit: 4,000 accelerated reward points, reached at spending between ₹16,666 and ₹75000 depending on spend categoriesAdditional Rewards Based on Annual Card Spending Up to 2.1% at ₹7.50 lakh annual spendForex Fee on International Transactions2%Eligibility Salaried: ₹1.50 lakh per monthSelf-employed: ₹18 lakhs per year (in ITR)Government employees (salaried): ₹1 lakh per monthHDFC Regalia Gold Credit Card: Detailed Review
4.0
By: Our Money Guide | Last updated on: November 14, 2025The Tata Neu Infinity HDFC Bank Credit Card is one of India's most rewarding credit cards for Tata brand enthusiasts, a very good choice for frequent shoppers at Tata brands like BigBasket, Croma, Titan, Air India, and Taj Hotels. This comprehensive review covers everything you need to know about the HDFC Tata Neu Infinity card, from its exceptional benefits to application process.Brief OverviewBenefitsUp to 10% rewards on Tata brand purchases through Tata Neu app5% rewards on utility bill payments1.50% rewards on all other purchases and UPI transactionsComplimentary international lounge access (4 times per year)Complimentary domestic airport lounge access (8 times per year)Emergency medical cover of up to ₹15 lakhs overseasFees & EligibilityAnnual fee - ₹1499, waived at ₹3 lakhs annual card spendFee on international card transactions - 2% of the transaction valueMinimum income: Salaried - ₹1 lakh per month, Self-employed - ₹12 lakhs per year
4.25
By: Our Money Guide || Last updated on: November 10, 2025The Axis Bank ATLAS Credit Card stands out as one of India's best travel credit cards, offering exceptional rewards especially on travel spending and comprehensive lifestyle benefits. This card is especially suitable for airline & hotel points experts who can leverage the extensive travel partner ecosystem (20+ high-vale airline and hotel partners), and can find high-value redemptions.Key HighlightsFeatureDetailsRewards on Card Spending10% returns (in terms of partner points) on travel purchases; up to 20% effective returns on high value partners like Accor4% returns (in terms of partner points) on travel purchases; up to 8% effective returns on high value partners like AccorAirport Lounge Access Up to 18 free visits (domestic), up to 12 (international).Annual spend based lounge program.Annual Fee₹5,000 Welcome Offer2,500 EDGE MilesEligibility (Minimum Income)Salaried: ₹12 lakhs per yearSelf-employed: ₹15 lakhs per yearAXIS ATLAS Credit Card: Detailed Review
4.0
By: Our Money Guide || Last updated on: October 15, 2025Axis Bank Magnus Credit Card is one of the best premium cards in India, with a minimum annual income requirement of ₹24 lakhs. You get attractive rewards on travel spends, and also lifestyle benefits like unlimited airport lounge access both in India and abroad, dining and insurance benefits.Quick Summary-▶︎ Benefits6% - 12% reward on airline and hotel spends up to ₹2 lakhs per month6% - when you redeem reward points on Axis EDGE rewards platform for vouchers, products and more12% - when you redeem reward points for partner points of airlines and hotelsRewards on other card spends1.20% – 2.40% reward on other card spends up to ₹1.50 lakhs per month 3.50% – 7% rewards on all other card spends above ₹1.50 lakhs per monthUnlimited complimentary airport lounge access both in India and abroadFuel surcharge waiver, up to ₹400 per monthWelcome offer You get a voucher worth ₹12500. You can choose from either a Luxe gift voucher, OR The Postcard Hotels gift voucher, OR a Yatra gift voucher. This voucher is given on making the first card transaction within 30 days of card issuance.Renewal offer Renewal fee is not charged from the 2nd year onwards, if you spend ₹25 lakhs or more in the previous year.▶︎ ChargesAnnual fee - ₹12500, waived if you spend ₹25 lakhs or more in the previous yearLower foreign currency markup fee of 2%▶︎ EligibilityMinimum income - ₹24 lakhs per yearLet us review the card in detail - pros & cons, benefits, charges, eligibility requirements, and application process.Axis Bank Magnus Credit Card Review
4.25
By: Our Money Guide || Last updated on: November 20, 2025Looking for the best fuel credit card in India? The SBI BPCL Octane Credit Card is a co-branded partnership between Bharat Petroleum Corporation Limited (BPCL) and State Bank of India (SBI). Available on both Visa and RuPay networks, this premium fuel card delivers unmatched rewards for BPCL customers. Brief OverviewPrimary Benefits: 7.25% reward on BPCL fuel purchases up to ₹10,000 per monthDomestic airport lounge access - 4 visits per year 2.50% reward on groceries, departmental stores, movies, and diningWelcome bonus: 6,000 reward points (worth ₹1,500)Annual Fee: ₹1,499 (waived on ₹2 lakh annual spending)Detailed Review
4.25
By: Our Money Guide | Last updated on: November 10, 2025HDFC Bank Diners Club Black Metal Edition Credit Card is one of the best super premium cards in India, offering exceptional rewards of up to 33.3% on card spending. With an annual fee of ₹10,000, this metal credit card delivers world-class benefits including unlimited airport lounge access, complimentary golf rounds, and exclusive lifestyle memberships.Brief OverviewFeatureDetailsAnnual Fee₹10,000 (waived on ₹8 lakh annual spend)Reward Rate3.3% base rate, up to 33.3% through SmartbuyLounge AccessUnlimited domestic & internationalGolf Benefits6 complimentary rounds per quarterWelcome BenefitsClub Marriott, Amazon Prime, Swiggy One membershipsForex Fee on International Transactions2%Eligibility (Minimum Income)₹2.50 lakh per month (salaried)₹30 lakhs per year (self-employed)Detailed Review
4.0
By: Our Money Guide || Last updated on: November 11, 2025The HDFC Regalia Gold Credit Card offers up to 17.3% rewards through SmartBuy platform, comprehensive travel benefits including 18 access annually, and milestone vouchers worth up to ₹16,000. With ₹2,500 annual fee (waived on ₹4 lakh annual spending), it's positioned as a premium all-rounder card.Quick OverviewFeatureDetailsAnnual Fee₹2500, waived at ₹4 lakh annual card spendWelcome Benefit₹2500 gift voucher + complimentary Swiggy One and MMT Black Gold MembershipAirport Lounge Access12 domestic visits + 6 international (each year)Reward Rate on Card Spending17.3% reward on hotels and select partners8.6% reward on flights, gift vouchers, holiday packages and select partners5.2% reward on train ticketsNotesAssumes high value rewards redemption on Gold Catalogue (₹0.65 per point)Monthly limit: 4,000 accelerated reward points, reached at spending between ₹16,666 and ₹75000 depending on spend categoriesAdditional Rewards Based on Annual Card Spending Up to 2.1% at ₹7.50 lakh annual spendForex Fee on International Transactions2%Eligibility Salaried: ₹1.50 lakh per monthSelf-employed: ₹18 lakhs per year (in ITR)Government employees (salaried): ₹1 lakh per monthHDFC Regalia Gold Credit Card: Detailed Review