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/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 FLIGHT & HOTEL BOOKINGS ON EASEMYTRIP

Standard Chartered Bank EaseMyTrip Credit Card

Our Rating 4.0
Top Reasons to Choose
20.50%
Benefit on domestic & international hotel bookings – on EaseMyTrip Website/app
10.50%
Benefit on domestic & international flight bookings – on EaseMyTrip Website/app
Upto 25.50%
Benefit on bus ticket bookings – on EaseMyTrip Website/app.
✔︎
Complimentary airport lounge access in India (1 time per quarter), and abroad (2 times per year)
Annual Fee

₹350

Minimum Income

Not Specified

Annual Fee Offers
  • Renewal Offer : Fee waived, if you spend ₹50,000 or more in the previous year

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

STARTER TRAVEL CARD, IN PARTNERSHIP WITH YATRA

Yatra SBI Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
₹1000 discount (upto 20%) on domestic flight bookings – on Yatra website/app
✔︎
₹4000 discount (upto 10%) on international flight bookings – on Yatra website/app
✔︎
20% discount (upto ₹2000) on domestic hotel bookings – on Yatra website/app
1.50%
Benefit on following card spends - departmental stores || grocery || dining || movies || entertainment || international card spends
Annual Fee

₹499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : Yatra vouchers worth ₹8250, upon payment of 1st year annual fee
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year.

ONE OF THE BEST CREDIT CARDS FOR ONLINE SPENDING

Cashback SBI Credit Card

Our Rating 4.50
Top Reasons to Choose
5%
5% cashback on all online spends || 1% cashback on all other card spends.
✔︎
Maximum cashback of ₹5000 per month
Annual Fee

₹999

Minimum Income

Not Specified

Annual Fee Offers
  • Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹2 lakhs or more in the previous year
  • Welcome offer maybe available from time to time , usually only for online applications

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
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.

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.