BEST FOR SHOPPING AT SHOPPERS STOP (7% REWARD RATE)

Shoppers Stop Black HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases - on purchases upto ₹28570 per month
✔︎
Upto 4% additional reward, through 'weekend offer' program - 5 times a year (maximum once per month)
✔︎
Complimentary access to airport lounges in India (4 times per quarter), and abroad (2 times per quarter)
✔︎
Complimentary First Citizen Black membership worth ₹4500.
Annual Fee

₹4500

Minimum Income

Salaried : ₹2 lakhs per month || Self-employed : ₹8 lakhs per year

Annual Fee Offers
  • Welcome Offer : ₹1500 worth of Shoppers Stop vouchers, on minimum shopping of ₹5,000 at Shoppers Stop stores. You also get a complimentary First Citizen Black membership worth ₹4,500.
  • Renewal Offer : Continued membership of First Citizen Black worth ₹4,500.

BEST FOR SAMSUNG PURCHASES

Samsung Axis Bank Infinite Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Cashback on Samsung purchases - only on purchases upto ₹2 lakhs per year
3%
Reward on 5 preferred merchants (Zomato, Bigbasket, Myntra, Tata 1mg, Urban Clap) || On international transactions
✔︎
Complimentary access to airport lounges in India (8 times per year), and abroad (6 times per year)
✔︎
Dining benefits through EazyDiner partnership – 25% discount (upto ₹800), once per month
✔︎
Complimentary EazyDiner Prime membership for 1 year
Annual Fee

₹5000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 30,000 EDGE reward points worth ₹6000, on doing 3 card transactions within 30 days of credit card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹7 lakhs or more in the previous year.

BEST FOR SHOPPING/SPENDING AT VARIOUS TATA BRANDS

Tata Neu Infinity HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Reward on partner Tata brands - only on Tata Neu app
5%
Reward on partner Tata brands (outside Tata Neu app)
1.50%
On UPI spends (on Rupay card version)
✔︎
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter).
Annual Fee

₹1499

Minimum Income

Salaried : ₹1 lakh per month || Self-employed : ₹12 lakhs per year

Annual Fee Offers
  • Welcome offer : 1499 NeuCoins worth ₹1499, on doing your 1st card transaction within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹3 lakhs or more in the previous year.

PREMIUM SBI CARD FOR SHOPPING AND LIFESTYLE BENEFITS

SBI ELITE Credit Card

Our Rating 3.75
Top Reasons to Choose
2.50%
Cashback on departmental store purchases || grocery purchases || dining spends
Upto 0.80% - 1.50%
Additional cashback through milestone program - based on yearly card spends of ₹3 lakh, ₹4 lakhs, ₹5 lakhs and ₹8 lakhs
✔︎
Complimentary airport lounge access in India (2 times per quarter) and abroad (6 times per year)
✔︎
1 complimentary movie ticket (upto ₹250) at Bookmyshow - 2 times per month
✔︎
Low fee of 1.99% on international card spends
✔︎
Complimentary Club Vistara Silver membership || Trident Privilege membership
Annual Fee

₹4999

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : Welcome gift vouchers worth ₹5000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop).
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹10 lakhs or more in the previous year.

BEST FOR FREQUENT TRAVELLERS

Axis Bank ATLAS Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on travel spends (when you use your reward points for flights & hotel bookings)
10%
Benefit on travel spends (when you convert your reward points to partner points of airlines & hotels)
2%
Benefit on all other card spends (when you use your reward points for flights & hotel bookings)
4%
Benefit on all other card spends (when you convert your reward points to partner points of airlines & hotels)
✔︎
Complimentary airport lounge access in India and abroad, complimentary airport concierge & airport pick up services
Annual Fee

₹5000

Minimum Income

Salaried : ₹9 lakhs per year / Self-employed : ₹12 lakhs per year

Annual Fee Offers
  • Welcome offer worth minimum ₹5000
  • Renewal offer worth minimum ₹5000

BEST FOR HIGH-SPENDING FREQUENT TRAVELLERS

Axis Bank Magnus Credit Card

Our Rating 4.25
Top Reasons to Choose
Upto 12%
Benefit on travel spends
✔︎
Unlimited complimentary airport lounge access – both in India and abroad
✔︎
Complimentary airport concierge service – 8 times per year
✔︎
Upto ₹30,000 worth of yearly movie benefits on BookMyShow
Annual Fee

₹12500

Minimum Income

₹18 lakhs per year

Annual Fee Offers
  • Welcome offer worth ₹12,500
  • Renewal offer : Renewal fee is not charged from the 2nd year onwards, if you spend ₹25 lakhs or more in the previous year

BEST FOR UTILITY BILL PAYMENTS ON AIRTEL || SMALL GROCERY PURCHASES & FOOD DELIVERY ORDERS

Airtel Axis Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
25%
Cashback (upto ₹250 per month) on various Airtel services via Airtel Thanks app : mobile || broadband || wifi || DTH TV services
10%
Cashback (upto ₹250 per month) on utility bill payments via Airtel Thanks app : electricity || water || gas bills
10%
Cashback (upto ₹500 per month) on grocery purchases (BigBasket) and food orders (Swiggy, Zomato)
✔︎
Complimentary airport lounge access in India - 4 times per year
✔︎
Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer : Amazon voucher worth ₹500 , on first card transaction (within the first 30 days of card issuance).
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹2,00,000 or more in the previous year.

5% CASHBACK ON UTILITY BILL PAYMENTS || 4% CASHBACK ON FOOD DELIVERY & LOCAL CABS

Axis Bank Ace Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback on utility payments (electricity, water, gas, LPG and broadband), DTH, mobile recharge - only through the Google Pay app
4%
Cashback on Swiggy, Zomato & Ola
1.50%
Cashback on all other spends
✔︎
Complimentary airport lounge access in India - 4 times per year
✔︎
Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Joining fee reversed on spending ₹10000, within 45 days of card issuance date
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year.

5% UNLIMITED CASHBACK AT FLIPKART || 4% UNLIMITED CASHBACK AT SELECT PARTNERS

Flipkart Axis Bank Credit Card

Our Rating 4.50
Top Reasons to Choose
5%
Cashback on Flipkart
4%
Cashback on partners - Swiggy || Uber || PVR || Cleartrip || Cult Fit
✔︎
Complimentary airport lounge access in India - upto 4 times per year
✔︎
Welcome offers worth ₹600
Annual Fee

₹500

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹30,000 per month

Annual Fee Offers
  • Welcome offers : Flipkart vouchers worth ₹500 || 50% discount on Swiggy (upto ₹100)
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3.50 lakhs or more in the previous year.

PREMIUM BOB CARD OFFERING CASHBACK ON A VARIETY OF SPENDS || GOOD LIFESTYLE BENEFITS

Bank of Baroda Eterna Credit Card

Our Rating 4.0
Top Reasons to Choose
3.75%
Cashback on 'online shopping' || travel spends || dining spends || international spends
Upto 1.50%
Additional cashback, at ₹5 lakh yearly card spend
✔︎
Unlimited complimentary access to airport lounges in India
✔︎
Complimentary golf rounds (4 per year) & golf lessons (12 per year)
✔︎
Low fee of 2% on international transactions
Annual Fee

₹2499

Minimum Income

₹12 lakhs per year (both salaried and self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off at ₹25000 card spend within 60 days of card issuance
  • Renewal offer : Renewal fee is not charged, if you spend ₹2.50 lakhs or more in the previous year

BEST FOR DEPARTMENT STORE & APPAREL SHOPPING

Axis Bank REWARDS Credit Card

Our Rating 3.75
Top Reasons to Choose
3.20%
Reward on department store & apparel purchases - on total purchases upto ₹7000 per month
Upto 1%
Additional reward : Reward points worth ₹300, at monthly card spend of ₹30,000
✔︎
Free visits to airport lounges in India (2 times per quarter)
✔︎
30% discount (upto ₹150 per order) on Swiggy – 2 times per month
Annual Fee

₹1000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 5000 EDGE reward points worth ₹1000, at ₹1000 card spend within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year.

ONE OF THE BEST FUEL CARDS IN INDIA

BPCL SBI Octane Credit Card

Our Rating 4.50
Top Reasons to Choose
7.25%
Benefit on BPCL fuel purchases - on fuel purchases upto ₹10,000 per month
2.50%
Benefit on grocery spends || departmental store purchases || movie & dining spends - only on total spends upto ₹75,000 per month
Upto 0.66%
Additional benefit at ₹3 lakh annual card spend
✔︎
Complimentary access to airport lounges in India - 1 time per quarter
Annual Fee

₹1499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome Offer : 6000 reward points worth ₹1500, within 30 days of annual fee payment.
  • Renewal Offer : Annual fee from the 2nd year onwards is not charged, if you spend ₹2 lakh or more in the previous year

BEST FOR FUEL SPENDS || SMALL GROCERY PURCHASES & BILL PAYMENTS

ICICI HPCL Super Saver Credit Card

Our Rating 4.0
Top Reasons to Choose
6.50%
Benefit on HPCL fuel purchases - only on fuel purchases upto ₹4000 per month
5%
Benefit on departmental store purchases || electricity/mobile bill payments - only on total spends upto ₹2000 per month
✔︎
Complimentary airport lounge access in India - 1 time per quarter
✔︎
Movie benefits - 25% (upto ₹100) discount at BookMyShow and Inox - 2 times each every month at BookMyShow and Inox
✔︎
Complimentary 24×7 emergency road side assistance
Annual Fee

₹500

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer worth ₹500 : 2000 reward points worth ₹500, at ₹5000 card spend within 45 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.
Our Rating 3.50
Top Reasons to Choose
2.50%
Cashback on travel, dining & international transactions
✔︎
Complimentary access to airport lounges in India – 1 time per quarter
Annual Fee

₹1000

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 1st year fee waived at ₹10,000 card spend, within 60 days of card issuance.
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.20 lakhs or more in the previous year

Exclusive card for Indian Navy Personnel

Bank of Baroda Varunah Plus Credit Card

Our Rating 3.75
Top Reasons to Choose
2.50%
Cashback on travel spends, dining spends, online spends and international spends
✔︎
Complimentary access to airport lounges in India – 3 times per quarter
✔︎
Reduced fee of 2.50% on international transactions
Annual Fee

₹1499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 1st year fee is waived if you spend ₹15000 or more, within 180 days of card issuance || Complimentary 12-month Amazon Prime membership.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.

Exclusive card for Indian Navy Personnel

Bank of Baroda Varunah Premium Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Exclusively for Indian Navy Personnel
3.75%
Cashback on travel spends, dining spends, online spends and international spends
✔︎
Unlimited complimentary access to airport lounges in India
✔︎
Reduced fee of 2% on international transactions
Annual Fee

₹2499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 1st year fee is waived, if you spend ₹25000 or more within 180 days of card issuance || Complimentary 12-month Amazon Prime membership
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.

Exclusive card for Indian Defence Personnel

Axis Bank PRIDE SIGNATURE Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Exclusively for Indian Defence Personnel. Personalised card, with shades of the Indian Tricolour.
✔︎
Complimentary access to domestic airport lounges - 2 times per quarter
✔︎
15% discount (upto ₹500 per order) at restaurants, in partnership with EazyDiner - once per month
✔︎
Annual fee waived at ₹40,000 yearly card spend
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year annual fee not charged
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹40,000 or more in the previous year.

LIFETIME FREE OFFERS PROVIDED FROM TIME TO TIME || Discounts at select partners – Ajio, Swiggy, Paytm Movies, EazyDiner

Axis Bank MY ZONE Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
₹120 discount (upto 24% per order) on Swiggy - twice a month
✔︎
Upto ₹1000 discount on Ajio, on a minimum order amount of ₹2999 - on a select catalogue of products.
✔︎
BOGO (Buy One Get One) offer on Paytm Movies - Upto ₹200 per month
✔︎
15% discount (upto ₹500 per oder) at restaurants, in partnership with EazyDiner - once per month
✔︎
Complimentary airport lounge access - once per quarter
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Lifetime free card offer || Complimentary one-year SonyLiv subscription worth ₹999, as a welcome offer.
  • Renewal offer : Lifetime free card offer || SonyLiv subscription worth ₹999 is renewed, if you spend ₹1.50 lakhs or more in the previous year.

MID RANGE CARD FROM AXIS BANK WITH A VARIETY OF LIFESTYLE BENEFITS AND PARTNER OFFERS

Axis Bank SELECT Credit Card

Our Rating 4.0
Top Reasons to Choose
2%
Benefit on shopping purchases - on purchases upto ₹20,000 per month
✔︎
Discount programs at select partners : BigBasket || Eazydiner || Swiggy
✔︎
Complimentary airport lounge access in India (2 times per quarter), and abroad (12 times per year)
✔︎
Complimentary golf rounds – upto 12 per year
Annual Fee

₹3000

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 10,000 EDGE reward points worth ₹2000, given on first card transaction within 30 days of card issuance.
  • Renewal offer : Renewal fee waived at ₹8 lakhs annual card spend

BEST FOR INDIGO FREQUENT FLYERS

Kotak IndiGo 6E Rewards XL Credit Card

Our Rating 4.0
Top Reasons to Choose
6%
On Indigo spends
3%
On grocery purchases, dining and entertainment spends
2%
On all other card spends
✔︎
Complimentary airport lounge access - 2 times per quarter
Annual Fee

₹2500

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : Welcome ticket voucher worth ₹3000 (on doing a minimum of 3 card transactions each month, for the first 3 months).
  • Renewal offer : ‘6E Prime-Add-on’ worth ₹899, which gives you various benefits including priority check-in, complimentary meal, seat selection and assistance.

SPECIAL REWARDS AT MYNTRA & SELECT PARTNERS

Myntra Kotak Credit Card

Our Rating 4.0
Top Reasons to Choose
7.50%
Discount on Myntra purchases , on all Myntra transactions upto ₹10,000
5%
Cashback on Swiggy Instamart (grocery) || Swiggy || PVR || Cleartrip || Urban Company – only on combined total purchases upto ₹20,000 per month.
Upto 1%
Additional benefits : 2 complimentary PVR tickets worth ₹250 each, at quarterly card spend of over ₹50,000
✔︎
Complimentary airport lounge access in India – 1 per quarter
Annual Fee

₹500

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : ₹500 Myntra voucher, on doing a card transaction of ₹500 or more within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year. Minimum Income Not specified

PREMIUM CARD FROM KOTAK MAHINDRA

Kotak White Credit Card

Our Rating 3.75
Top Reasons to Choose
Upto 2.25%
Rewards by reaching annual card spend targets
✔︎
Complimentary access to international airport lounges - 4 times per year
✔︎
Complimentary access to domestic airport lounges - 2 times per quarter
Annual Fee

₹3000

Minimum Income

₹25 lakhs per year

Annual Fee Offers
  • Welcome offer : ₹1500 voucher, upon spending ₹30000 within 60 days of setting up your card.
  • Renewal offer : Annual fee is not charged from the second year onwards if you spend ₹5 lakhs or more in the previous year.