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Higher-fee cards with travel, lifestyle, rewards or service benefits that require realistic usage to justify the cost. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
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Issuer coverage
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01Issuer dossierSBI Card3 cards in this category
02Issuer dossierIDFC FIRST Bank3 cards in this category
03Issuer dossierAmerican Express India3 cards in this category
04Issuer dossierAU Small Finance Bank3 cards in this category
05Issuer dossierYES BANK3 cards in this category
06Issuer dossierAxis Bank2 cards in this category
07Issuer dossierICICI Bank2 cards in this category
08Issuer dossierKotak Mahindra Bank2 cards in this category
Published card research
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Search locally, narrow by issuer or status, and open the full dated card dossier before relying on any fee, reward, lounge or forex term.
34of 34 published records visible
SBI Card · Active
Open dossier SBI Card PRIME
A mid-premium SBI Card combining accelerated lifestyle rewards, milestone value and airport-lounge benefits.
Annual fee₹2,999 + taxes
Rewards10 reward points per ₹100 on selected lifestyle categories on the reviewed SBI listing
LoungeComplimentary domestic and international airport lounge access is listed; current access conditions should be checked
Forex3.50% foreign-currency transaction fee under the current SBI Card MITC; DCC is also listed at 3.50% for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best useMid-premium users who can use lifestyle accelerators, milestones and lounge benefits.
2 first-party sourcesReviewed September 11, 2026
SBI Card · Active
Open dossier SBI Card ELITE
A premium SBI Card positioned around lifestyle vouchers, entertainment value, rewards and travel privileges.
Annual fee₹4,999 + taxes
RewardsWelcome voucher, movie-ticket value and milestone reward points are highlighted on the reviewed SBI listing
LoungePremium travel and lounge privileges apply under the current SBI Card programme; lounge quotas and participating locations remain programme-specific.
Forex1.99% foreign-currency transaction fee under the current SBI Card MITC; DCC is also listed at 1.99% for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best useHigher-spend users who can use entertainment, lifestyle and travel benefits enough to justify the fee.
2 first-party sourcesReviewed September 11, 2026
SBI Card · Active
Open dossier SBI Card MILES ELITE
A travel-focused SBI Card using Travel Credits that can be converted for travel-related redemption routes.
Annual fee₹4,999 + applicable taxes under current SBI Card MITC
RewardsReviewed SBI listing states 6 Travel Credits per ₹200 on travel and milestone Travel Credits
LoungeCurrent SBI Card MILES ELITE materials provide 8 domestic lounge visits per year (2 per quarter) and 6 international Priority Pass visits per year, with additional spend-linked domestic lounge voucher mechanics in the product terms.
Forex1.99% foreign-currency transaction fee and 1.99% DCC fee for MILES ELITE under current SBI Card MITC.
Best useTravel-heavy users who can make practical use of the Travel Credits conversion ecosystem.
4 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Axis Bank Magnus Credit Card
A premium Axis Bank travel card where transfer partners, lounge access and forex cost matter more than a simple cashback percentage.
Annual fee₹12,500 + applicable taxes for the standard Magnus Credit Card.
Rewards12 EDGE Reward Points per ₹200 on cumulative monthly spends up to ₹1.5 lakh, then 35 points per ₹200 on incremental eligible spend above that threshold; Travel EDGE acceleration applies separately.
LoungeUnlimited complimentary domestic lounge visits and unlimited complimentary international Priority Pass visits, plus 4 guest visits per year under the current Magnus page.
Forex2% forex markup on foreign transactions; the current Magnus fee page also lists 2% DCC markup.
Best useHigh-spend premium travelers who can use lounges, travel transfers and premium lifestyle benefits.
2 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Axis Bank SELECT Credit Card
A premium-lifestyle card with a defined reward structure, merchant offers and a relatively high fee-waiver spend target.
Annual fee₹3,000 from the second year; Nil while the qualifying Burgundy relationship applies.
Rewards10 EDGE Reward Points per ₹200 on eligible spend, with 2X points on defined retail-shopping spend up to the current monthly cap.
LoungeUp to 12 complimentary international Priority Pass visits; 2 domestic lounge visits per quarter after ₹50,000 spend in the last 3 months, with Priority Pass renewal tied to ₹3 lakh preceding-anniversary-year spend.
Forex3.50% foreign-currency transaction fee on the current SELECT product page.
Best useUpper-mid-market users who can use shopping, dining, movie and milestone benefits.
2 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Wealth Credit Card
A no-annual-fee premium card distinguished in the reviewed schedule by a 1.50% forex markup.
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.
Lounge2 complimentary domestic airport lounge/spa visits plus 2 complimentary international lounge visits per quarter, and 4 railway-lounge visits per quarter, subject to current spend conditions.
Forex1.50% markup on international transactions under current IDFC FIRST Bank lifetime-free card guidance and fee schedule.
Best useHigher-tier applicants who want a no-annual-fee premium card and care about international spending costs.
3 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Ashva Credit Card
A premium IDFC FIRST card with a 1% forex markup in the reviewed schedule and a ₹2,999 annual fee.
Annual fee₹2,999 under the current IDFC FIRST Bank schedule of charges.
RewardsCurrent issuer positioning advertises up to 10X reward points for Ashva, with detailed earn rules maintained in product material.
Lounge4 complimentary Indian airport-lounge visits, 2 global lounge visits and 4 railway-lounge visits per quarter; spend ₹20,000 in the current month to activate the lounge benefit in the next calendar month.
Forex1% markup on international spends under current Ashva product material and the IDFC FIRST Bank fee schedule.
Best usePremium users who value a 1% forex markup and can justify the annual fee through travel/lifestyle benefits.
3 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Mayura Credit Card
A premium IDFC FIRST metal card with Nil forex markup in the current fee schedule, substantial lounge access and a paid-renewal reward benefit rather than a fee waiver.
Annual fee₹5,999 under the current IDFC FIRST Bank schedule of charges.
RewardsCurrent issuer positioning advertises up to 10X reward points; the annual-fee-payment benefit can separately award 7,500 or 15,000 points at the published prior-year spend thresholds after fee payment.
LoungeCurrent IDFC FIRST material lists 4 domestic and 4 international lounge visits per quarter for Mayura, plus one guest entry at domestic airports, subject to programme conditions.
Forex0% / Nil forex markup under the current IDFC FIRST Bank fee schedule and card-directory positioning.
Best useHigh-spend travelers who can use Mayura’s premium travel benefits and zero-forex structure enough to justify the ₹5,999 annual fee.
4 first-party sourcesReviewed September 11, 2026
American Express India · Applications paused
Open dossier American Express Platinum Reserve Credit Card
A premium Amex credit card combining Membership Rewards with lounge, hotel and lifestyle memberships.
Annual fee₹10,000 + applicable taxes from the second year onward.
Rewards1 Membership Rewards point per ₹50 on eligible spend, with the current product page separately listing an 11,000-point welcome offer subject to its conditions.
LoungeComplimentary domestic and international airport-lounge access plus complimentary Priority Pass membership under the current product page; programme quotas/usage rules apply.
Forex3.50% markup on foreign-currency transactions under current American Express India customer guidance / fee schedule.
Best usePremium users who can use hotel, dining, golf and lounge benefits but do not need the top Platinum charge-card tier.
4 first-party sourcesReviewed September 12, 2026
American Express India · Applications paused
Open dossier American Express Platinum Travel Credit Card
A milestone-heavy travel card where much of the value comes from bonus Membership Rewards points and travel redemptions rather than the base earn rate.
Annual fee₹5,000 + applicable taxes from the second year onward.
Rewards1 Membership Rewards point per ₹50 on eligible spend, plus milestone bonus points at ₹1.9 lakh, ₹4 lakh and ₹7 lakh card-membership-year spend thresholds under current terms.
Lounge8 complimentary domestic lounge visits per year, limited to 2 per quarter; Priority Pass membership is complimentary but lounge usage under Priority Pass can carry the prevailing usage fee.
Forex3.50% markup on foreign-currency transactions under current American Express India customer guidance / fee schedule.
Best useTravelers who can naturally hit the card's milestone thresholds without changing spending behavior.
4 first-party sourcesReviewed September 12, 2026
American Express India · Applications paused
Open dossier American Express Gold Card
A charge card built around Membership Rewards and recurring monthly-spend bonuses rather than cashback.
Annual fee₹4,500 + applicable taxes from second year on reviewed page
RewardsReviewed page states 1,000 bonus points for six qualifying monthly transactions and standard Membership Rewards earning
LoungeNot primarily positioned as a lounge card
Forex3.50% foreign-currency conversion factor assessment under the current American Express India fee schedule / charge-card terms.
Best useUsers who value Membership Rewards and can consistently meet monthly transaction patterns.
3 first-party sourcesReviewed September 11, 2026
RBL Bank · Active
Open dossier RBL Bank World Prime Credit Card
A premium RBL lifestyle card combining online rewards, entertainment and domestic lounge access.
Annual fee₹2,999 + GST under the current World Prime / RBL SuperCard fee structure
RewardsReviewed product page highlights rewards, movies, online spends and bonus/annual benefits
Lounge8 complimentary domestic lounge visits per year, capped at 2 per quarter, unlocked by ₹35,000 eligible spend in the preceding calendar quarter.
Forex3.50% foreign-currency transaction markup under the current RBL SuperCard MITC.
Best usePremium-lifestyle users who can use movies, online-spend rewards and lounge benefits.
2 first-party sourcesReviewed September 11, 2026
HDFC Bank · Active
Open dossier HDFC Bank Regalia Gold Credit Card
A travel-oriented HDFC premium card with a ₹2,500 annual fee, 2% forex markup, reward acceleration and spend-conditioned lounge/milestone benefits.
Annual fee₹2,500 + applicable taxes
Rewards5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.
Lounge3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex2% foreign-currency markup
Best useUpper-mid-tier travelers who can use lounge access, milestone vouchers and travel-oriented reward redemptions.
3 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Rubyx Credit Card
A premium-lifestyle ICICI card with dual-network variants, welcome vouchers, lounge access, movie discounts and milestone rewards.
Annual fee₹2,000 + GST
Rewards2 Reward Points per ₹100 on eligible domestic spends, 4 per ₹100 on eligible international spends and 1 per ₹100 on eligible utility/insurance spends on the reviewed issuer page
Lounge2 complimentary domestic airport lounge visits per quarter per eligible dual-card variant after ₹75,000 spend in the preceding spend quarter; the current product page also lists 8 complimentary railway lounge visits annually.
Forex3.5% foreign-currency markup
Best useUpper-mid-tier lifestyle users who value lounge, movie, golf and concierge benefits more than pure cashback.
3 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Sapphiro Credit Card
A premium ICICI lifestyle card with a substantial joining fee, recurring annual fee, airport-lounge benefits, BookMyShow privileges and golf/concierge positioning.
Annual fee₹3,500 + GST
RewardsICICI Bank Reward Points plus premium welcome vouchers and lifestyle benefits; current issuer terms control earning exclusions and redemption value
Lounge4 complimentary domestic airport lounge visits per quarter under the current product proposition, subject to ₹75,000 spend in the preceding calendar quarter; dual-card variants allocate 2 visits per variant. The card also lists 2 complimentary international lounge visits annually.
Forex3.5% foreign-currency markup
Best usePremium lifestyle and travel users who can use the welcome vouchers, lounges, movie offers and golf benefits enough to offset the fee.
4 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Vetta Credit Card
A mid-premium AU card with up to 4 points per ₹100, quarterly domestic/international lounge access and milestone benefits.
Annual fee₹2,999 + applicable taxes.
RewardsUp to 4 Reward Points per ₹100 spent, with quarterly and annual milestone benefits and birthday bonus points under the reviewed issuer page
Lounge1 complimentary domestic airport-lounge visit per calendar quarter, with the current ₹50,000 calendar-quarter spend condition, plus 4 complimentary international Priority Pass visits annually (1 per quarter) and 2 railway-lounge visits per calendar quarter.
Forex2.99% cross-currency markup currently; AU states this will revise to 3.49% effective 1 October 2026.
Best useUsers wanting a mid-premium AU rewards card with quarterly airport-lounge access and a relatively manageable ₹1.5 lakh renewal-fee waiver threshold.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Zenith Credit Card
AU's premium Zenith card combines 1.99% forex markup, domestic and international lounge access, accelerated rewards and concierge-style benefits.
Annual fee₹7,999 + applicable taxes.
RewardsAccelerated AU Rewardz earning on dining, groceries and other eligible categories, plus 1,000 bonus Reward Points on ₹50,000 monthly retail spend under reviewed terms
Lounge8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter retail spend and 8 international lounge visits annually via Priority Pass
Forex1.99% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best usePremium travelers who can use domestic/international lounges and low-forex pricing but do not need the Zenith+ metal tier.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Ananta Credit Card
A ₹2,000 AU rewards card with accelerated shopping/dining/travel earn, welcome points, milestones and domestic lounge access.
Annual fee₹2,000 + applicable taxes.
Rewards5 Reward Points per ₹100 on eligible shopping, dining and travel spends, capped at 5,000 accelerated points per statement cycle, plus welcome and annual milestone points
Lounge4 complimentary domestic airport-lounge visits per quarter when eligible flight tickets of ₹5,000 or more are booked through AU Rewardz under the current Ananta terms.
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useUpper-mid-tier users whose normal spending is concentrated in shopping, dining and travel and who can naturally reach the card's milestones.
2 first-party sourcesReviewed September 11, 2026
YES BANK · Active
Open dossier YES BANK ELITE+ Credit Card
A ₹999 YES BANK upper-mid-tier card with stronger reward acceleration, domestic lounge access and a small annual international-lounge allowance.
Annual fee₹999 + applicable GST
Rewards12 YES Rewardz Points per ₹200 on eligible online shopping, 6 per ₹200 on eligible offline shopping and 4 per ₹200 on select categories; accelerated online earn is capped at 12,000 points per statement cycle
Lounge2 complimentary domestic lounge visits per quarter and 3 complimentary international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules
Forex2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
Best useUpper-mid-tier users who can use online reward acceleration, limited international lounges and recurring lifestyle benefits without paying a large annual fee.
4 first-party sourcesReviewed September 9, 2026
YES BANK · Active
Open dossier YES BANK RESERV Credit Card
A premium YES BANK card with strong online/offline point acceleration, 1.75% forex markup and both domestic and international lounge access.
Annual fee₹2,499 + applicable GST
Rewards24 YES Rewardz Points per ₹200 on eligible online shopping, 12 per ₹200 on eligible offline shopping and 6 per ₹200 on select categories in the reviewed value chart
Lounge3 complimentary domestic lounge visits per quarter and 6 international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules
Forex1.75% foreign-currency conversion charge
Best useFrequent online spenders and travelers who value a 1.75% forex markup and a materially larger lounge allowance than lower YES BANK tiers.
4 first-party sourcesReviewed September 9, 2026
YES BANK · Active
Open dossier YES BANK MARQUEE Credit Card
YES BANK's super-premium MARQUEE combines 1% forex, high online/offline reward rates, unlimited international lounge access and a substantial premium fee structure.
Annual fee₹4,999 + applicable GST
Rewards36 YES Rewardz Points per ₹200 on eligible online shopping, 18 per ₹200 on eligible offline spends and 10 per ₹200 on select categories in the reviewed value chart
LoungeUnlimited international lounge visits in the reviewed value chart plus 6 complimentary domestic lounge visits per quarter; current domestic lounge qualification requires ₹1 lakh qualifying spend in the preceding quarter
Forex1% foreign-currency conversion charge
Best useHigh-spend travelers who can use the card's 1% forex pricing, large lounge allowance and premium online reward rate enough to justify a high joining fee.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak Air+ Credit Card
A ₹3,000 travel card with Air Miles, six annual lounge visits and a 2% forex markup, but no spend-based annual-fee waiver in the reviewed KFS.
Annual fee₹3,000 + applicable taxes
Rewards2,500 Air Miles as welcome/renewal benefit; 5 Air Miles per ₹100 on eligible Kotak Unbox travel bookings and 2 Air Miles per ₹100 on other eligible purchases
Lounge2 complimentary international and 4 domestic airport lounge visits annually on the reviewed product listing
Forex2% foreign-currency transaction markup under the reviewed KFS
Best useTravelers who prefer a simple air-mile currency, can use the six annual lounge visits and spend enough to justify a non-waivable ₹3,000 fee.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier IndiGo Kotak XL Credit Card
The higher-tier IndiGo Kotak card, charging ₹3,000 annually in exchange for stronger card-level BluChip earn and larger milestone vouchers.
Annual fee₹3,000 + applicable taxes
RewardsKotak currently advertises up to 21 IndiGo BluChips per ₹100 on IndiGo bookings; issuer T&Cs separately show card-level earn of 5% on IndiGo bookings, 3% on dining/entertainment and 2% on other eligible spends, plus higher milestone vouchers
LoungeNot treated as a core lounge card in the reviewed current co-brand material; verify any separate travel privilege before relying on it
Forex3.5% under the reviewed Kotak MITC's standard foreign-currency markup
Best useFrequent IndiGo flyers with enough annual spend to benefit from the higher BluChip earn and milestone ladder.
5 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Tiger Credit Card
A rare lifetime-free premium card combining 1.5% forex markup, domestic/international lounge visits, golf and tiered reward acceleration.
Annual feeNil under the reviewed Tiger MITC
RewardsAccelerated tiered rewards of up to 6 Reward Points per ₹100 on eligible spend; cash-redemption value and caps apply
Lounge2 complimentary domestic lounge visits per quarter and 2 international Priority Pass visits per year on the reviewed issuer page
Forex1.5% foreign-currency markup on the reviewed issuer page
Best useTravel-oriented users who want a lifetime-free premium card with 1.5% forex, limited lounge access, golf and accelerated rewards.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier EazyDiner IndusInd Bank Credit Card
A ₹2,999 dining co-brand centered on EazyDiner Prime and PayEazy discounts, with a current monthly discount ladder and July 2025 benefit changes that discontinued lounge access.
Annual fee₹2,999 on the reviewed issuer page
RewardsDining-led value with EazyDiner Prime, extra 25% discount through PayEazy subject to transaction/monthly caps, and current issuer reward rules; the July 2025 notice increased hotel/travel earn to 10 Reward Points per ₹100
LoungeComplimentary domestic lounge access was discontinued under the issuer's July 2025 change notice
ForexSee current IndusInd Bank MITC before international use
Best useFrequent EazyDiner users who can repeatedly use PayEazy dining discounts and the bundled Prime membership enough to justify the ₹2,999 annual fee.
2 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank Celesta Credit Card
Federal Bank's premium Celesta card combines 3-2-1 rewards, travel/lifestyle benefits and a 2% forex markup under a currently lifetime-free onboarding offer.
Annual feeNil under the currently reviewed onboarding terms; Federal Bank currently describes its credit-card lifetime-free offer as limited-period
RewardsFederal Bank markets Celesta with 3X rewards on travel/international categories, 2X on dining and 1X on other eligible categories, plus lifestyle benefits
LoungeComplimentary airport lounge access is part of the Celesta positioning; current quota and eligibility should be confirmed from latest issuer terms
Forex2% foreign-currency markup in the reviewed Federal Bank MITC
Best useTravel-oriented Federal Bank customers who value lounge access and a lower 2% forex rate compared with the bank's Signet/Imperio tiers.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB Visa Signature Credit Card
A premium PNB Visa card with 2 points per ₹100, domestic lounge access, concierge services and a ₹2,000 annual fee waived at ₹3 lakh spend.
Annual fee₹2,000 + applicable taxes
Rewards2 PNB Reward Points per ₹100 on eligible spend
LoungeComplimentary domestic lounge access is listed, alongside Visa Signature concierge and merchant benefits
Forex3.50% foreign-currency markup over the network conversion rate
Best usePNB customers who prefer a conventional premium Visa card with stronger base point earning and domestic lounge access.
6 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Relationship Linked
Open dossier PNB Salary RuPay Select Credit Card
A relationship-linked lifetime-free RuPay Select card with 2 points per ₹150, UPI support and 8 domestic plus 2 international lounge visits yearly.
Annual feeNil while the qualifying PNB salary-account relationship is maintained
Rewards2 PNB Reward Points per ₹150 on eligible spend
Lounge8 domestic lounge visits per year (2 per quarter) and 2 international lounge visits per year on the reviewed issuer page
Forex3.50% foreign-currency markup over the network conversion rate
Best useEligible higher-income PNB salary-account customers who can use a no-standard-fee RuPay Select package with unusually strong lounge frequency for its fee level.
4 first-party sourcesReviewed September 9, 2026
Bank of Baroda / BOBCARD · Active
Open dossier BOBCARD ETERNA Credit Card
BOBCARD's premium ETERNA proposition combines accelerated travel/dining/international rewards, domestic lounge privileges and a published 2% forex markup.
Annual fee₹2,499 from the second year under the current BOBCARD product page.
Rewards15 reward points per ₹100 on eligible dining, travel and international spends; 3 reward points per ₹100 on other eligible categories. Accelerated-category points are capped under the current programme, and 1 reward point can be redeemed for ₹0.25 cashback.
LoungeUnlimited complimentary domestic airport-lounge access is advertised, subject to the current BOBCARD lounge eligibility criteria; verify the controlling spend/eligibility rule before travel.
Forex2% foreign-currency markup on international spends on the reviewed current product page.
Best useHigher-spend travellers who can use dining/travel accelerators, domestic lounge access and the published 2% forex rate.
2 first-party sourcesReviewed September 12, 2026
Standard Chartered India · Active
Open dossier Standard Chartered Ultimate Credit Card
Standard Chartered's premium Ultimate card combines 5 points per ₹150 at a stated ₹1-per-point value with quarterly lounge access and reduced 2% forex.
Annual fee₹5,000 from year 2 onward under the current Standard Chartered tariff.
Rewards5 reward points per ₹150 on eligible spend, with the current product page valuing each reward point at ₹1.
Lounge4 complimentary domestic airport-lounge visits per calendar quarter under the current product page, plus broader travel/lifestyle access subject to programme rules.
Forex2% foreign-currency markup on overseas transactions under Standard Chartered's current Ultimate product/tariff guidance.
Best usePremium spenders who can use the card's 5-point earn, high domestic lounge quota and published 2% forex rate enough to justify the ₹5,000 fee.
3 first-party sourcesReviewed September 12, 2026
Canara Bank · Active
Open dossier Canara Bank Visa Signature Credit Card
A zero-annual-fee Visa Signature card with 2 points per ₹100, three domestic lounge visits per quarter and a turnover-linked inactivity fee.
Annual feeNil annual fee; however, a ₹1,000 inactivity fee applies if annual card turnover is below ₹2 lakh under the current product page.
Rewards2 reward points per ₹100 on POS/e-commerce purchases under the current Canara product page; reward redemption supports cashback or goods through the bank's programme.
Lounge3 complimentary domestic airport-lounge visits per quarter under the current product page.
ForexUp to 3% markup on foreign-currency transactions under the current Canara product/fee table.
Best useHigher-income Canara customers who value a zero-membership-fee Visa Signature card with domestic lounge access and simple rewards.
2 first-party sourcesReviewed September 12, 2026
Canara Bank · Active
Open dossier Canara Bank RuPay Select Credit Card
A RuPay Select card with zero annual membership fee, 2 points per ₹100 and defined domestic/international lounge allowances.
Annual feeNil annual fee; a separate ₹300 inactivity fee applies if annual card turnover is below ₹1 lakh.
Rewards2 reward points per ₹100 on purchases/payments, with each point currently valued at ₹0.25. Current RuPay Select benefits also include limited cashback on eligible utility and restaurant spend.
Lounge2 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year under the current product page.
ForexUp to 3% markup on foreign-currency transactions under the current Canara fee table.
Best useCanara customers who want a zero-annual-fee RuPay premium card with both domestic and international lounge quotas.
2 first-party sourcesReviewed September 12, 2026
Union Bank of India · Active
Open dossier Union Bank NEXTERIA Credit Card
Union Bank's metal RuPay Ekaa premium card, differentiated by family-capable lounge access and a broad hospitality/concierge package.
Annual feeThe reviewed current NEXTERIA product page does not display the annual-fee figure in its rendered benefit section; verify the current Union Bank KFS/MITC before applying.
RewardsThe current rendered NEXTERIA page focuses on RuPay Ekaa premium benefits and does not expose a complete reward earn table in the visible section reviewed here; verify the current KFS/MITC for earn economics.
LoungeUnion Bank currently advertises unlimited individual domestic and international lounge visits plus two family visit allowances per quarter under the bank/NPCI curated offer, subject to programme rules.
ForexNo current NEXTERIA-specific forex-markup percentage is asserted from the rendered product page; verify the current KFS/MITC before international use.
Best usePremium Union Bank customers who can genuinely use the RuPay Ekaa family lounge, hospitality, concierge and insurance bundle.
3 first-party sourcesReviewed September 12, 2026
Union Bank of India · Active
Open dossier Union Bank UNICORN RuPay Credit Card
A premium RuPay card combining 4 points per ₹100, milestone accelerators and a defined domestic/international lounge package.
Annual feeThe reviewed current UNICORN product page does not display the annual-fee figure in its rendered benefit section; verify the current Union Bank KFS/MITC before applying.
Rewards4 reward points per ₹100 on eligible spend, with activation, birthday-month, monthly and annual milestone accelerators under the current product page. Base points are capped at 10,000 per month excluding milestone points, and specified MCCs are excluded.
Lounge8 domestic and 2 international lounge visits per year via the current programme, plus RuPay domestic lounge access and concierge benefits as described by Union Bank.
ForexNo current UNICORN-specific forex-markup percentage is asserted from the rendered product page; verify the current KFS/MITC before international use.
Best useUnion Bank customers seeking a premium RuPay rewards card with a defined 8+2 annual lounge package and UPI compatibility.
3 first-party sourcesReviewed September 12, 2026
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