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 Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases - only on purchases upto ₹28570 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 ₹4,500.
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 (upto 8 times per year), and abroad (upto 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.

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
  • Welcome offer worth ₹12,500

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

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.

PREMIUM CARD - BEST FOR REGULAR SHOPPERS AT LANDMARK STORES (Spar, Lifestyle, Max, Home Center)

Spar SBI Card PRIME

Our Rating 4.0
Top Reasons to Choose
3.75%
Benefit on all Landmark store spends (Spar, Lifestyle, Max, Home Center - both online and in-stores)
Upto 5.3%
Additional benefit on Landmark spends - at ₹1.80 lakh yearly card spend at Landmark stores
2.50%
Benefit on dining and movie spends
✔︎
Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)
Annual Fee

₹2999

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 12,000 bonus reward points worth ₹3000, on payment of annual fee.
  • Renewal offer : 12,000 bonus reward points worth ₹3000, on payment of renewal fee.

PREMIUM CARD - BEST FOR REGULAR SHOPPERS AT LANDMARK STORES (SPAR, LIFESTYLE, MAX, HOME CENTER)

Max SBI Card PRIME

Our Rating 4.0
Top Reasons to Choose
3.75%
Benefit on all Landmark store spends (Spar, Lifestyle, Max, Home Center - both online and in-stores)
Upto 5.3%
Additional benefit on Landmark spends - at ₹1.80 lakh yearly card spend at Landmark stores
2.50%
Benefit on dining and movie spends
✔︎
Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)
Annual Fee

₹2999

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 12,000 bonus reward points worth ₹3000, on payment of the first year annual fee.
  • Renewal offer : 12,000 bonus reward points worth ₹3000, on payment of renewal fee.

PREMIUM CARD - BEST FOR REGULAR SHOPPERS AT LANDMARK STORES (SPAR, LIFESTYLE, MAX, HOME CENTER)

Lifestyle Home Centre SBI Card PRIME

Our Rating 4.0
Top Reasons to Choose
3.75%
Benefit on all Landmark store spends (Spar, Lifestyle, Max, Home Center - both online and in-stores)
Upto 5.3%
Additional benefit on Landmark spends - at ₹1.80 lakh yearly card spend at Landmark stores
2.50%
Benefit on dining and movie spends
✔︎
Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)
Annual Fee

₹2999

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 12,000 bonus reward points worth ₹3000, on payment of the first year annual fee.
  • Renewal offer : 12,000 bonus reward points worth ₹3000, on payment of renewal fee.

PREMIUM CARD, WITH A RANGE OF LIFESTYLE BENEFITS

Kotak White Reserve Credit Card

Our Rating 3.75
Top Reasons to Choose
Upto 2.50%
Rewards by reaching annual card spend targets
✔︎
Unlimited complimentary access to airport lounges both in India and abroad
✔︎
Complimentary golf across the world - 2 free golf rounds per month
Annual Fee

₹12500

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : Complimentary Marriott membership, with multiple stay & dining benefits
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹10 lakhs or more in the previous year.

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 airport lounge (both domestic and international) & domestic airport spa access - total 4 times per quarter
✔︎
Complimentary railway lounge access - 4 times per quarter
✔︎
Complimentary golf benefits - upto 2 golf rounds 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.

YES BANK PREMIUM CARD - ATTRACTIVE REWARDS ON ONLINE SPENDING || RANGE OF LIFESTYLE BENEFITS

Yes Bank Marquee Credit Card

Our Rating 3.75
Top Reasons to Choose
4.50%
Benefit on online shopping
2.25%
Benefit on offline shopping
✔︎
Unlimited free visits to international airport lounges
✔︎
Complimentary visits to airport lounges in India – 6 per quarter
✔︎
Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month
✔︎
BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹2400 per month
✔︎
Low fee (foreign currency markup) of 1% on international transactions
Annual Fee

₹4999

Minimum Income

₹3 lakh per month (salaried) || ₹24 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 60,000 reward points worth ₹15000, as a welcome gift.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹10 lakhs or more in the previous year

BEST FOR VISTARA PREMIUM ECONOMY FREQUENT FLYERS

Axis Bank Vistara Signature Credit Card

Our Rating 3.75
Top Reasons to Choose
2%
Reward (in Club Vistara Points), on all card spends
✔︎
Upto 4 Vistara premium economy tickets - one each at annual card spends of ₹1.50 lakhs, ₹3 lakh, ₹4.50 lakhs and ₹9 lakh
✔︎
Complimentary ‘Club Vistara Silver Membership’
✔︎
Complimentary visits to airport lounges in India - 2 per quarter
✔︎
Complimentary golf – 3 rounds per year
✔︎
Dining benefits : 25% discount (upto ₹800) at restaurants, once a month - in partnership with EazyDiner
Annual Fee

₹3000

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offers : One-way premium economy ticket || Club Vistara Silver Membership
  • Renewal offers : One-way premium economy ticket

BEST FOR VISTARA BUSINESS CLASS FREQUENT FLYERS

Axis Bank Vistara Infinite Credit Card

Our Rating 4.0
Top Reasons to Choose
3%
Reward (in Club Vistara Points), on all card spends
✔︎
Upto 4 Vistara business class tickets - one each at annual card spends of ₹2.50 lakhs, ₹5 lakh, ₹7.50 lakhs and ₹12 lakh
✔︎
Complimentary ‘Club Vistara Gold Membership’
✔︎
Complimentary visits to airport lounges in India
✔︎
Complimentary golf – upto 6 rounds per year
✔︎
Dining benefits in partnership with EazyDiner, upto ₹1000 per month
✔︎
15% discount at Trident Hotels
Annual Fee

₹10000

Minimum Income

₹24 lakhs per year

Annual Fee Offers
  • Welcome offers : One-way business class ticket || Club Vistara Gold Membership || 10000 Club Vistara Points, at ₹1 lakh card spend within 90 days of card issuance
  • Renewal offers : One-way business class ticket

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)
2.50%
Benefit on grocery & departmental store purchases, and international spends
✔︎
Complimentary access to airport lounges in India (4 times per quarter)
✔︎
Complimentary access to airport lounges outside India (4 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.