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01Issuer dossierAU Small Finance Bank4 cards in this category
02Issuer dossierKotak Mahindra Bank3 cards in this category
03Issuer dossierIndusInd Bank3 cards in this category
04Issuer dossierPunjab National Bank3 cards in this category
05Issuer dossierSBI Card2 cards in this category
06Issuer dossierIDFC FIRST Bank2 cards in this category
07Issuer dossierICICI Bank2 cards in this category
08Issuer dossierYES BANK2 cards in this category
Published card research
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27of 27 published records visible
SBI Card · Active
Open dossier SimplyCLICK SBI Card
An entry-level online-shopping card built around accelerated reward points and milestone e-vouchers.
Annual fee₹499 + taxes
Rewards5X reward points on online spends and 10X with selected online partners on the reviewed SBI listing
LoungeNot positioned as a lounge-led card
Forex3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best useEntry-level online shoppers who prefer reward points and modest annual fee.
2 first-party sourcesReviewed September 11, 2026
SBI Card · Active
Open dossier SimplySAVE SBI Card
A mass-market rewards card focused on common offline lifestyle categories rather than premium travel perks.
Annual fee₹499 + applicable taxes from the second year under the current SBI Card MITC.
Rewards10 reward points per ₹150 on dining, movies, departmental stores and grocery spends on the reviewed SBI listing
LoungeNot positioned as a lounge-led card
Forex3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best useEveryday spenders concentrated in grocery, dining, movies and department stores.
2 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Axis Bank MY ZONE Credit Card
A low-fee lifestyle card centered on entertainment and partner discounts.
Annual fee₹500 on the current Axis Bank MY ZONE page
RewardsReviewed Axis listing highlights entertainment, Swiggy and AJIO benefits
Lounge1 complimentary domestic airport lounge visit per calendar quarter, unlocked on ₹50,000 eligible spend in the previous 3 months.
Forex3.50% foreign-currency transaction fee on the current MY ZONE page; DCC is separately charged under the current Axis schedule.
Best useEntry-level users who value entertainment and merchant discounts more than complex rewards.
2 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Millennia Credit Card
A lifetime-free mainstream IDFC FIRST card where the absence of annual fee changes the break-even calculation.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
Rewards3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday under current lifetime-free card guidance.
Lounge4 complimentary railway-lounge visits per quarter under the current lifetime-free card guidance.
Forex3.50% markup under the current IDFC FIRST Bank schedule because Millennia is not listed among the lower-forex exceptions.
Best useUsers who prioritize no annual fee and want a mainstream rewards card.
3 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST WOW! Credit Card
A secured, lifetime-free IDFC FIRST card with nil forex markup in the reviewed fee schedule.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
RewardsUp to 4X never-expiring reward points under current FIRST WOW! guidance.
LoungeNo complimentary lounge quota is listed for the standard FIRST WOW! card on the reviewed current lifetime-free card page.
Forex0% / Nil forex markup under the current FIRST WOW! guidance and IDFC FIRST Bank fee schedule.
Best useApplicants considering a secured credit card and users who value zero forex markup on the reviewed schedule.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Platinum Chip Credit Card
A no-frills lifetime-free ICICI Bank card designed around basic rewards, security and fuel-surcharge benefits rather than premium travel perks.
Annual feeNil
RewardsEntry-level ICICI rewards structure; use the current issuer reward schedule for point earning and redemption details
LoungeNot positioned as a lounge-led card
Forex3.5% foreign-currency markup on the reviewed issuer page
Best useFee-sensitive applicants who want a basic ICICI Bank credit card without a standard joining or annual fee.
3 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Coral Credit Card
A mainstream ICICI lifestyle card combining modest rewards, movie offers, fuel-surcharge waiver and spend-conditioned domestic lounge access.
Annual fee₹500 + GST
Rewards2 ICICI Bank Reward Points per ₹100 on eligible retail spends; 1 point per ₹100 on eligible utility and insurance spends on the reviewed issuer page
Lounge1 complimentary domestic airport lounge visit per quarter after ₹75,000 spend in the preceding calendar quarter, for the primary cardholder; 1 complimentary railway lounge visit per quarter is listed separately.
Forex3.5% foreign-currency markup
Best useEntry-to-mid-tier users who value movie discounts, basic rewards and occasional domestic lounge access enough to justify a ₹500 annual fee.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Altura Credit Card
A low-fee AU cashback card with elevated value on groceries, departmental stores and utilities, plus railway-lounge access.
Annual fee₹199 + applicable taxes.
Rewards2% cashback on eligible grocery, departmental-store and utility spends; 1% on other eligible retail spends, plus ₹50 milestone cashback on ₹10,000 statement-cycle retail spend
Lounge8 complimentary railway lounge visits per year; not positioned as an airport-lounge card
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useEntry-level users who want simple everyday cashback on groceries and utilities with a low annual fee and modest waiver threshold.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Altura+ Credit Card
A ₹499 AU card combining offline cashback, online reward acceleration, monthly milestone points and railway-lounge access.
Annual fee₹499 + applicable taxes.
Rewards1.5% cashback on eligible offline spends; 2 Reward Points per ₹100 on eligible online spends and 1 Reward Point per ₹100 on eligible offline spends after applicable cashback rules, plus 500 bonus points on ₹20,000 monthly retail spend
Lounge8 complimentary railway lounge visits per year
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useLower-to-mid spenders who want a blend of cashback and reward points without moving into a premium annual-fee tier.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU SPONT Credit Card
A low-fee AU RuPay card combining 1% eligible cashback across UPI and card transactions with railway and spend-conditioned airport lounges.
Annual fee₹299 + applicable taxes.
Rewards1% cashback on eligible ecommerce, POS, contactless and UPI transactions, plus never-expiring coins on UPI transactions under reviewed terms
Lounge2 railway lounge visits per calendar quarter; 2 domestic airport lounge visits per quarter after ₹50,000 calendar-quarter spend
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useUsers who want straightforward RuPay/UPI cashback with low annual cost and can potentially use railway or spend-conditioned airport lounge access.
2 first-party sourcesReviewed September 11, 2026
YES BANK · Active
Open dossier YES BANK ACE Credit Card
YES BANK's entry reward card combines a ₹499 fee, online-spend acceleration and a relatively low ₹50,000 annual renewal-waiver threshold.
Annual fee₹499 + applicable GST
Rewards8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle
LoungeNot positioned as a core lounge card in the reviewed YES BANK material
Forex2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
Best useLower-spend online shoppers who want a modest-fee reward card and can naturally clear the ₹50,000 renewal-waiver threshold.
3 first-party sourcesReviewed September 9, 2026
YES BANK · Active
Open dossier YES BANK UNI Credit Card
A YES BANK card distinguished by 0% foreign-currency conversion markup; the standard card has a ₹499 renewal fee while the separate RuPay variant is listed lifetime-free.
Annual fee₹499 + applicable GST for the standard UNI Credit Card; the separate UNI RuPay variant is listed lifetime-free
RewardsReward mechanics depend on the current UNI proposition; the verified decision-relevant differentiator in the reviewed issuer documents is zero foreign-currency conversion markup
LoungeNot treated as a core lounge card in this research profile; verify current product features before relying on lounge access
Forex0% foreign-currency conversion charge on YES BANK UNI and UNI RuPay in the reviewed Schedule of Charges
Best useInternational spenders who primarily care about zero issuer forex markup and can accept a simpler benefit profile.
2 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak League Platinum Credit Card
A mainstream ₹499 rewards card with a relatively low ₹50,000 annual fee-waiver threshold and milestone rewards tied to six-month spending.
Annual fee₹499 + applicable taxes
RewardsUp to 8 reward points per ₹150 on eligible spends; reviewed listing also offers a half-year milestone choice of PVR tickets or reward points at the published spend threshold
LoungeNot treated as a core lounge card in the current product listing
Forex3.5% under the reviewed Kotak MITC's standard foreign-currency markup
Best useEntry-level reward seekers who can comfortably cross ₹50,000 annual spend and value the card's milestone entertainment/reward options.
3 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak 811 #DreamDifferent Credit Card
A secured Kotak credit card backed by a term deposit, with no annual fee, a conditional joining fee and a 2% forex markup in the reviewed MITC.
Annual feeNil under the reviewed KFS
RewardsCurrent issuer material lists online-spend reward acceleration plus other eligible-spend rewards; exact promotional earn presentation can vary by offer
LoungeNot positioned as a lounge-led card
Forex2% foreign-currency transaction markup under the reviewed Kotak MITC
Best usePeople building credit through a secured card who want no annual fee and a lower-than-standard Kotak forex markup.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak UPI RuPay Credit Card
A virtual lifetime-free RuPay credit card built around UPI merchant payments and basic rewards, with no joining or annual fee in the reviewed KFS.
Annual feeNil / not applicable under the reviewed KFS
RewardsReviewed Kotak listing advertises 3 reward points per ₹100 on eligible spends, with RuPay credit-card UPI merchant payments supported
LoungeNo core lounge benefit highlighted in the reviewed issuer material
Forex3.5% foreign-currency transaction markup under the reviewed KFS
Best useUsers who want a no-annual-fee virtual RuPay card primarily for UPI merchant payments rather than travel benefits.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Platinum RuPay Credit Card
A lifetime-free RuPay card built around merchant UPI payments, with 2 Reward Points per ₹100 on eligible UPI spend and a comparatively high 3.5% forex markup.
Annual feeNil — lifetime free on the reviewed issuer page
Rewards2 Reward Points per ₹100 on eligible UPI transactions and 1 Reward Point per ₹100 on eligible non-UPI transactions; redemption values and monthly cash-redemption caps apply
LoungeNo core airport-lounge benefit highlighted on the reviewed Platinum RuPay product page
Forex3.5% foreign-currency markup on the reviewed issuer FAQ
Best usePeople who want a no-annual-fee RuPay credit card mainly for merchant UPI payments and straightforward reward earning.
2 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Platinum Visa Credit Card
A lifetime-free mainstream IndusInd rewards card earning 1.5 Reward Points per ₹150 on eligible purchases, with fuel-surcharge and insurance benefits.
Annual feeNil under the reviewed lifetime-free issuer positioning
Rewards1.5 Reward Points per ₹150 on eligible spends; points can be redeemed through issuer reward routes subject to current redemption values
LoungeNot positioned as a lounge-led card in the reviewed current issuer material
ForexSee the current IndusInd Bank MITC before using the card internationally
Best useFee-sensitive users who want a mainstream Visa rewards card with no standard joining or annual fee under the reviewed issuer positioning.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier EazyDiner IndusInd Bank Platinum Credit Card
A lifetime-free EazyDiner co-brand that trades the richer Signature-tier package for a simpler no-annual-fee dining proposition.
Annual feeNil — lifetime free on the reviewed issuer page
RewardsDiscount-led value with 3 months of EazyDiner Prime, extra dining discount through the EazyDiner payment flow and EazyPoints; current caps and renewal conditions apply
LoungeNo core airport-lounge benefit highlighted on the reviewed Platinum co-brand page
ForexSee the current IndusInd Bank MITC before international use
Best useOccasional-to-regular EazyDiner users who want dining discounts without carrying an annual-fee hurdle.
2 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank Signet Credit Card
A currently lifetime-free Federal Bank rewards card with 3-2-1 reward positioning, partner vouchers and advertised lounge access, but a relatively high 3.5% forex markup.
Annual feeNil under the currently reviewed onboarding terms; issuer FAQ describes the lifetime-free offer as limited-period
RewardsFederal Bank currently markets Signet with its 3-2-1 rewards structure plus partner vouchers and dining offers; product-specific caps and redemption value should be rechecked before applying
LoungeComplimentary airport lounge access is advertised on the current issuer listing; current access quota and spend conditions should be confirmed before travel
Forex3.5% foreign-currency markup in the reviewed Federal Bank MITC
Best useFee-sensitive users who want a mainstream Federal Bank rewards card and can use its partner benefits without relying on premium travel economics.
3 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB RuPay Platinum Credit Card
A mass-market RuPay card combining basic rewards, UPI compatibility, conditional annual-fee waiver and complimentary lounge access.
Annual fee₹500 + applicable taxes
Rewards1 PNB Reward Point per ₹100 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days
LoungePNB lists complimentary domestic and international lounge access under the RuPay program
Forex3.50% foreign-currency markup over the network conversion rate
Best useEntry-level PNB customers who want RuPay/UPI usability, a modest fee and lounge access without moving into a premium card tier.
6 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB RuPay Millennial Credit Card
A youth-positioned PNB RuPay card with lounge/lifestyle benefits, 2 points per ₹150 and a ₹999 annual fee waived at ₹1 lakh spend.
Annual fee₹999 + applicable taxes
Rewards2 PNB Reward Points per ₹150 on eligible spend, with 300 Reward Points on activation/first qualifying use under the reviewed issuer material
LoungeDomestic and international lounge access is included, with additional health, spa, golf and gym benefits on the reviewed page
Forex3.50% foreign-currency markup over the network conversion rate
Best useYounger or mid-segment applicants who value lounge and lifestyle extras and can naturally clear the ₹1 lakh annual fee-waiver threshold.
6 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB KIWI RuPay Select Credit Card
A PNB/KIWI RuPay Select co-brand built around UPI scan-and-pay rewards, with a no-fee virtual card and a separately priced physical card.
Annual feeNil for the virtual card; ₹750 for the physical card
Rewards0.5% cashback as KIWIS on eligible online transactions and 1.5% on eligible scan-and-pay transactions; monthly KIWI cap is linked to the card credit limit
LoungeNot listed as a core benefit on the reviewed PNB KIWI product page
Forex3.50% foreign-currency markup under PNB’s schedule for non-LUXURA cards
Best useUPI-heavy users who want a virtual-card route with no standard annual fee and prefer cashback-style KIWI rewards over traditional bank points.
3 first-party sourcesReviewed September 9, 2026
HDFC Bank · Active
Open dossier HDFC Bank Credit Card Against Fixed Deposit
HDFC Bank's current credit-card-against-FD proposition uses an eligible fixed deposit as collateral, requires at least ₹15,000 under reviewed terms and can provide a credit limit up to 90% of the FD amount while the deposit continues earning interest.
Annual feeSee the current HDFC Bank FD-backed card offer / issued-card terms
RewardsHDFC Bank states FD-backed cards can earn Reward Points / CashBack on eligible transactions; the exact earn structure depends on the issued card variant
LoungeNot treated as a universal FD-card benefit; any lounge access depends on the actual issued card variant and current conditions
ForexSee the current HDFC Bank MITC for the issued card variant
Best useApplicants with limited/no credit history who can lock an eligible HDFC Bank FD as collateral and want a credit limit linked to that deposit rather than income underwriting.
2 first-party sourcesReviewed September 9, 2026
AU Small Finance Bank · Active
Open dossier AU NOMO Credit Card
A fixed-deposit-backed AU credit card with a ₹199 one-time joining fee, 0.99% forex markup, rewards and spend-conditioned lounge access.
Annual feeNil from second year under the reviewed current product proposition
Rewards2 Reward Points per ₹100 on eligible retail spends; reviewed page states 1 RP = ₹0.25, with 5,000 points per statement-cycle cap
LoungeCurrent AU product banner states 2 complimentary domestic airport lounge visits per quarter after ₹50,000 quarterly spend, effective 10 April 2026.
Forex0.99% forex markup on the reviewed AU NOMO page
Best useCustomers building credit with an FD-backed card who can use a low forex markup and modest lounge/reward benefits without needing unsecured underwriting.
2 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank Secured Credit Card
Federal Bank's secured credit-card programme uses an eligible fixed deposit as collateral and currently allows credit limits up to 80% of deposit value, capped at ₹10 lakh.
Annual feeFederal Bank currently advertises lifetime-free credit cards as a limited-period offer; the secured-card terms remain controlling for collateral
RewardsRewards and lifestyle benefits depend on the issued Federal Bank card variant; the secured programme itself primarily defines collateral and credit-limit mechanics
LoungeDepends on the issued card variant and current spend criteria
ForexSee current Federal Bank MITC / issued-card terms
Best useFederal Bank customers who want a credit card backed by an eligible fixed deposit rather than relying only on unsecured underwriting.
3 first-party sourcesReviewed September 9, 2026
Bank of Baroda / BOBCARD · Active
Open dossier BOBCARD EASY Credit Card
An entry-level everyday-rewards BOBCARD centred on departmental-store and movie acceleration.
Annual fee₹500 from the second year under the current BOBCARD product page.
Rewards5 reward points per ₹100 at eligible departmental stores and on eligible movie spend; 1 reward point per ₹100 on other eligible categories. Accelerated rewards are capped at 1,000 points per statement cycle and current cashback redemption is ₹0.20 per point.
LoungeNot positioned as a lounge-led card on the reviewed current product page.
ForexNo reduced forex rate is stated on the reviewed EASY product page; verify the current BOBCARD MITC before international use.
Best useEveryday shoppers with meaningful departmental-store or movie spend who want a modest fee-waiver threshold.
2 first-party sourcesReviewed September 12, 2026
HSBC India · Active
Open dossier HSBC Visa Platinum Credit Card
A zero-fee HSBC rewards card offering 2 points per ₹150 plus travel-booking accelerators and Visa Signature lifestyle benefits.
Annual fee₹0 under the current HSBC product page.
Rewards2 reward points per ₹150 on eligible card spend, with up to 6X reward points on hotels, flights and car rentals through HSBC Travel with Points; current rewards can also be converted to airline/hotel partners.
LoungeThe reviewed current Visa Platinum product page does not position the card around a core complimentary airport-lounge quota.
ForexNo reduced forex-markup percentage is stated on the reviewed Visa Platinum product page; verify the current HSBC MITC/KFS before international use.
Best useUsers who want a no-annual-fee HSBC rewards card and can use Travel with Points without needing a lounge-led proposition.
2 first-party sourcesReviewed September 12, 2026
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Maintained head-to-heads
Close comparisons already researched inside Beginner & Entry-Level Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonSimplyCLICK SBI CardvsAxis Bank MY ZONE Credit CardCompare →Maintained comparisonIDFC FIRST WOW! Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonICICI Bank Platinum Chip Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonAU Altura Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonYES BANK ACE Credit CardvsSimplyCLICK SBI CardCompare →Maintained comparisonYES BANK ACE Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonYES BANK UNI Credit CardvsIDFC FIRST WOW! Credit CardCompare →Maintained comparisonKotak League Platinum Credit CardvsIDFC FIRST Millennia Credit CardCompare →