BEST FOR FLAT RATE (3.33%) REWARD ON MOST CARD SPENDS

Standard Chartered Ultimate Credit Card

Our Rating 4.0
Top Reasons to Choose
3.33%
Reward on all spends, except categories mentioned below
2%
Reward on utilities, supermarkets, insurance, property management, schools & government payments
✔︎
Complimentary visits to airport lounges in India (4 times per quarter), and abroad (once per month)
✔︎
1 complimentary golf round per month, AND 1 complimentary golf lesson per month
✔︎
Reduced 2% fee on foreign transactions
Annual Fee

₹5000

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 6000 reward points worth ₹6000, upon payment of joining fee (within 60 days of card issuance).
  • Renewal offer : From the second year onwards, you earn 5000 reward points worth ₹5000, on paying the annual fee

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 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.

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 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 PURCHASES UPTO ₹5000 PER MONTH

IndianOil Axis Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on IndianOil fuel purchases - only on purchases upto ₹5000 per month
✔︎
15% discount (upto ₹500 per order) at restaurants, in partnership with EazyDiner - once per month
✔︎
10% discount (upto ₹100 per month) at Bookmyshow
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1250 EDGE reward points worth ₹250, on your first fuel purchase of ₹250 or more, within 30 days of card issuance.
  • Renewal offer : Renewal fee is waived, if you spend ₹3.50 lakhs or more in the previous year

BEST FOR FUEL SPENDS UPTO ₹5,000 PER MONTH

IDFC HPCL First Power Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on HPCL fuel purchases, only on purchases upto ₹5,000 per month
2.50%
Benefit on grocery purchases & utility bills, only on total purchases upto ₹4,000 per month
2.50%
Benefit on FASTag recharge, only on upto ₹2,000 of recharges per month
✔︎
Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
Annual Fee

₹199

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer worth ₹250
  • Renewal offer : Renewal fee waived at ₹50,000 yearly card spend

BEST FOR HIGHER FUEL SPENDS - UPTO ₹10,000 PER MONTH

SBI BPCL Credit Card

Our Rating 4.0
Top Reasons to Choose
4.25%
Benefit on BPCL fuel purchases - on fuel purchases upto ₹10,000 per month
1.25%
Benefit on grocery spends || departmental store purchases || movie & dining spends - on total spends upto ₹1 lakh per month
✔︎
Low yearly card spend requirement of ₹50,000, to get annual fee waiver from 2nd year onwards
Annual Fee

₹499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 2000 reward points worth ₹500, on payment of joining fee
  • Renewal offer : Annual fee is waived from the second year onwards, if you spend ₹50,000 or more in the previous year.

BEST FOR RAILWAY TICKET BOOKINGS AT IRCTC

IRCTC HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Reward on railway tickets, including 5% cashback through HDFC Smartbuy platform
✔︎
Quarterly milestone benefit : Gift voucher worth ₹500, upon spending ₹30,000 every 90 days.
✔︎
Complimentary access to railway lounges in India – 2 per quarter
✔︎
1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
✔︎
1% reward on UPI spends
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-Employed : ₹6 lakhs per year Annual Fee

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

HEALTH AND FITNESS CARD FROM AXIS BANK

Axis Bank AURA Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Complimentary video fitness sessions via Fitternity – 20 per month (4 interactive sessions, 16 video sessions)
✔︎
Complimentary video doctor consultations via Practo – 4 per month
✔︎
₹500 discount on annual health check up, via Indus Health Plus
✔︎
Dining benefits via EazyDiner (Dining Delights program) – 15% discount at restaurants, upto ₹500 per month
Annual Fee

₹749

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Decathlon voucher worth ₹750

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.

Exclusive card for Indian Defence Personnel

Axis Bank PRIDE PLATINUM Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Exclusively for Indian Defence Personnel. Personalised card , with shades of the Indian Tricolour.
✔︎
Annual fee waived at ₹20,000 yearly card spend. Hence virtually free card if you spend ₹20,000 each year.
✔︎
15% discount (upto ₹500 per order) at restaurants, in partnership with EazyDiner - once per month
Annual Fee

₹250

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Nil annual fee in 1st year
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹20,000 or more in the previous year.