LIFETIME FREE PREMIUM CARD OFFERING A VAST RANGE OF BENEFITS

IDFC First Wealth Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Complimentary domestic airport lounge & domestic airport spa access - 2 times per quarter
✔︎
Complimentary international airport lounge access - 2 times per quarter
✔︎
Complimentary railway lounge access - 4 times per quarter
✔︎
Complimentary golf benefits - 2 golf rounds per month
✔︎
Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹500 per month
Annual Fee

₹0

Minimum Income

₹36 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.

BEST FOR RAILWAY TICKET BOOKINGS - AT IRCTC

IRCTC HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Benefit on railway ticket bookings
✔︎
Quarterly milestone benefit : Gift voucher worth ₹500, on spending ₹30,000 on your card in a quarter
✔︎
Complimentary access to railway lounges in India – 2 per quarter
✔︎
1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
✔︎
Upto 10% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)
✔︎
Dining discounts at restaurants (through Swiggy Dineout) - upto ₹500 per month
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Gift voucher worth ₹500, on card activation within 30 days of card issuance
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹1.50 lakhs or more in the previous year

BEST FOR BOOKING AC CLASS RAIL TICKETS

IRCTC Rupay SBI card

Our Rating 3.75
Top Reasons to Choose
10.80%
Benefit on IRCTC AC rail tickets - for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
4.80%
Benefit on IRCTC AC rail tickets - for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
✔︎
Complimentary railway lounge access – 1 time per quarter
✔︎
1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in
Annual Fee

₹300

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 350 reward points worth ₹350, when you do a single card transaction of ₹500 or more within 45 days of card issuance.

Best for AC class rail ticket bookings - at IRCTC

IRCTC BoB Rupay Credit Card

Our Rating 3.75
Top Reasons to Choose
10.50%
Benefit on AC rail ticket bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)
4.50%
Benefit on AC rail ticket bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)
✔︎
Complimentary railway lounge access – 1 per quarter
✔︎
1% transaction charges waiver on railway ticket bookings on IRCTC
Annual Fee

₹350

Minimum Income

Salaried : ₹3.60 lakhs per year || Self-employed : ₹4.80 lakhs per year

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250, when you do a credit card transaction of ₹1000 or more within 45 days of card issuance.

LIFETIME FREE CARD OFFERING A RANGE OF BENEFITS

IDFC FIRST Select Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Complimentary domestic airport lounge access – 4 times per quarter
✔︎
Complimentary railway lounge access – 4 times per quarter
✔︎
Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹250 per month
Annual Fee

₹0

Minimum Income

₹12 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.

LIFETIME FREE CARD OFFERING A RANGE OF BENEFITS || LOW MINIMUM INCOME REQUIREMENTS

IDFC FIRST Classic Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Complimentary railway lounge access – 4 times per quarter
✔︎
25% discount (upto ₹100) on movie tickets at Paytm - 1 time per month
✔︎
Complimentary ‘Emergency Roadside Assistance (RSA)’ package worth ₹1399
Annual Fee

₹0

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 90 days of card generation.

CASHBACK & DISCOUNTS AT A VARIETY OF PARTNERS INCLUDING AMAZON || FLEXIBLE MONTHLY FEE CARD

ICICI Bank Mine Credit Card (Premium 149)

Our Rating 4.25
Top Reasons to Choose
5%
Cashback on a variety of diverse partners including Amazon – Amazon, Amazon Prime, Zomato, Swiggy, Gaana, BookMyShow, PVR, Inox, Ola, Big Basket, Grofers, Goibibo, MakeMyTrip, Fitternity, Myntra, Furlenco
✔︎
5% discount (upto ₹300 per month) - at Tata CLiQ
✔︎
7% discount (upto ₹5000 per month) on domestic hotels || 4% discount (upto ₹600 per month) on domestic flights - at Goibibo
✔︎
Complimentary domestic airport lounge access (once per month) || Complimentary rail lounge access (once per month)
✔︎
Complimentary 2-month Eazydiner Prime membership || Complimentary 6-month Mindhouse app subscription
Annual Fee

₹1788

Minimum Income

Not specified

Annual Fee Offers
  • Renewal offer : The card charges a monthly fee of ₹149. This monthly fee is waived off, if you spend ₹20,000 or more in the previous month.

PREMIUM CARD, WITH GOOD LIFESTYLE BENEFITS

AU Bank Zenith Credit Card

Our Rating 3.75
Top Reasons to Choose
5%
Benefit on dining spends (only at standalone restaurants) - on total spends upto ₹25000 per month
2.50%
Benefit on grocery & departmental store purchases, and international spends
✔︎
Complimentary access to airport lounges in India (2 times per quarter)
✔︎
Complimentary access to airport lounges outside India (2 times per quarter)
✔︎
Complimentary access to railway lounges in India (2 times per quarter)
✔︎
Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh
Annual Fee

₹7999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off at card spend of ₹1.25 lakhs, within 90 days of card issuance date.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹5 lakhs or more in the previous year.

Mid-range ICICI Credit Card, with good lifestyle benefits

ICICI Bank Rubyx Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Complimentary domestic airport lounge access - 2 times per quarter
✔︎
Complimentary domestic railway lounge access - 2 times per quarter
✔︎
Complimentary golf rounds – upto 2 per month
✔︎
25% discount (upto ₹150) at BookMyShow movie tickets - 2 times per month. And 25% discount (upto ₹150) at INOX movie tickets - 2 times per month
Annual Fee

₹2000

Minimum Income

₹10 lakhs per year

Annual Fee Offers
  • Welcome offer : Shopping & travel vouchers worth over ₹5000
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3 lakhs or more in the previous year

LIFETIME FREE CARD, WITH A RANGE OF BENEFITS

IDFC First Millennia Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee. Welcome offer of more than ₹500
✔︎
Complimentary railway lounge access - 4 times per quarter
✔︎
25% discount on movie tickets (up to ₹100), on Paytm Mobile App (valid once per month)
✔︎
Complimentary ‘Emergency Roadside Assistance (RSA)’ package worth ₹1399
Annual Fee

₹0

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 90 days of card generation.

LOW ANNUAL FEE CARD || ANNUAL FEE WAIVER AT ₹40,000 YEARLY CARD SPEND

AU Bank Altura Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Low annual fee of ₹199
✔︎
Low annual card spend requirement of ₹40,000, to get annual fee waived off
2%
Cashback on grocery purchases || department store purchases || utility bill payments - on spends upto ₹2500 per month
✔︎
Complimentary railway lounge access - 2 per quarter
Annual Fee

₹199

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off, at ₹10,000 card spend within 90 days of card generation date.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹40000 or more in the previous year.

BEST FOR COMPLIMENTARY RAILWAY LOUNGE ACCESS

AU Bank Altura+ Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Complimentary railway lounge access - 2 per quarter
1.50%
Cashback on offline card spends, on purchases upto ₹6660 per month
✔︎
Fuel surcharge waiver, upto ₹150 per month
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off, at ₹20,000 card spend within 90 days of card generation date.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹80,000 or more in the previous year.

Starter card from ICICI

ICICI Bank Coral Credit Card

Our Rating 3.0
Top Reasons to Choose
✔︎
Complimentary access to domestic airport lounges (once per quarter)
✔︎
Complimentary access to domestic railway lounges (once per quarter)
✔︎
25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
✔︎
25% discount (upto ₹100) at Inox movie tickets - 2 times per month
Annual Fee

₹500

Minimum Income

₹5 lakhs per year

Annual Fee Offers
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, upon spending ₹1.50 lakhs in the previous year

MID LEVEL VARIANT OF ICICI MINE RANGE OF CARDS - GOOD CASHBACK AT SELECT PARTNERS

ICICI Bank Mine Credit Card (Pro 49 Plan)

Our Rating 3.50
Top Reasons to Choose
5%
Cashback at select partners - Big Basket, Grofers, Zomato, Swiggy, Gaana, BookMyShow, Amazon Prime, PVR, Inox, Ola
✔︎
Discounts at Goibibo – domestic hotels (7% discount) || domestic flights (4% discount)
✔︎
Complimentary rail lounge access – 1 time per month
Annual Fee

₹588

Minimum Income

Not specified

Annual Fee Offers
  • The card charges fee of ₹49 per month. This fee is waived off at monthly card spend of ₹10,000 in the previous month.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

ICICI Bank Parakram Select Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
2.50%
Benefit on canteen store department (CSD) purchases || grocery purchases || department store purchases - on total spends upto ₹10,000 per month
✔︎
Complimentary international airport lounge access (2 times per year)
✔︎
Complimentary domestic airport lounge access (2 times per quarter)
✔︎
Free golf rounds - upto 4 per month (₹50,000 monthly card spend required for each round of golf)
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Nil (lifetime free card)

BEST FOR RAILWAY BOOKINGS

IRCTC SBI Card Premier

Our Rating 3.75
Top Reasons to Choose
10.80%
Benefit on AC class rail ticket bookings on IRCTC – in non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep)
4.80%
Benefit on AC class rail ticket bookings on IRCTC – in peak season (1st April – 14th July, and 16th Sep – 14th Jan)
5%
Benefit on air ticket purchases on IRCTC || e-catering purchases on IRCTC
✔︎
Upto 7.50% additional benefit on travel spends (milestone program)
✔︎
Complimentary railway lounge access – 2 times per quarter
Annual Fee

₹1499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1500 Reward Points equivalent to ₹1500
  • Renewal fee offer : Annual fee not charged from the 2nd year onwards at ₹2 lakh yearly card spend