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Cards centered on points, miles, travel credits or issuer reward currencies. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
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01Issuer dossierPunjab National Bank9 cards in this category
02Issuer dossierICICI Bank8 cards in this category
03Issuer dossierAU Small Finance Bank8 cards in this category
04Issuer dossierKotak Mahindra Bank8 cards in this category
05Issuer dossierSBI Card7 cards in this category
06Issuer dossierIndusInd Bank7 cards in this category
07Issuer dossierYES BANK5 cards in this category
08Issuer dossierFederal Bank5 cards in this category
Published card research
Inspect the exact cards behind this category.
Search locally, narrow by issuer or status, and open the full dated card dossier before relying on any fee, reward, lounge or forex term.
87of 87 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
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 PULSE
A lifestyle card differentiated by health and wellness benefits rather than generic shopping cashback.
Annual fee₹1,499 + taxes
Rewards5X reward points on selected health, sports, dining and movie categories on the reviewed SBI listing
LoungeSBI Card PULSE is listed in the current Set A domestic airport-lounge programme; access remains subject to the programme rules and participating-lounge list.
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 useUsers who value health/wellness memberships and accelerated rewards in related categories.
3 first-party sourcesReviewed September 11, 2026
SBI Card · Active
Open dossier Tata Neu Infinity SBI Card
A Tata-ecosystem rewards card with UPI relevance on the RuPay variant and spend-conditioned lounge access.
Annual fee₹1,499 + applicable taxes under the current SBI Card MITC.
RewardsReviewed SBI listing states 5% back as NeuCoins on eligible Tata Neu/Tata-brand non-EMI spends and 1.5% on eligible non-Tata/UPI spends for RuPay variant
Lounge8 complimentary domestic lounge visits per year, capped at 2 per quarter, after ₹75,000 spend in the previous quarter on the reviewed SBI Card listing.
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 usePeople already spending heavily across Tata Neu and Tata brands who can use NeuCoins.
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
Axis Bank · Active
Open dossier IndianOil Axis Bank Credit Card
A focused fuel card built around IndianOil value-back economics rather than broad travel rewards.
Annual fee1st year Nil; ₹500 from the 2nd year on the current Axis Bank product page
RewardsReviewed Axis listing advertises 4% value back on fuel spends at IndianOil outlets
LoungeNot a lounge-led card
Forex3.50% foreign-currency transaction fee on the current product page; DCC markup is separately published.
Best useDrivers whose fuel spending is concentrated at IndianOil and who want a low-fee fuel card.
3 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Axis Bank Rewards Credit Card
A general rewards card combining issuer reward points with recurring merchant-led lifestyle offers.
Annual fee₹1,000 from the second year on the current Axis Bank Rewards page
RewardsReviewed Axis listing highlights dining, fuel and Swiggy benefits
Lounge2 complimentary domestic airport lounge visits per quarter, subject to ₹50,000 eligible spend in the previous 3 calendar months.
Forex3.50% foreign-currency transaction fee on the current Rewards product page.
Best useUsers who prefer merchant offers and points across dining and everyday lifestyle spend.
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 Select Credit Card
A lifetime-free upper-mid-tier IDFC FIRST card with a published 1.99% foreign-currency markup in the reviewed schedule.
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 visits and 4 railway-lounge visits per quarter, subject to the current ₹20,000 monthly spend qualification for following-month access.
Forex1.99% markup on international transactions under the current Select page and IDFC FIRST Bank fee schedule.
Best useUsers seeking a no-annual-fee card with a stronger premium/travel positioning than basic variants.
4 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
American Express India · Applications paused
Open dossier American Express Platinum Card
A super-premium charge card with a very high fee and a benefits stack built around travel, hotels, lounge access and service rather than cashback.
Annual fee₹66,000 + applicable taxes.
RewardsReviewed Amex page lists 1 Membership Rewards point per ₹40 on most other eligible spends plus separate fuel treatment; overseas accelerator is also promoted
LoungeAccess to the American Express Global Lounge Collection, currently described as 1,550+ lounges across 500+ airports in 140 countries.
Forex3.50% markup on foreign-currency transactions under the current American Express India customer guidance / fee schedule.
Best useExisting or future eligible premium users who can make substantial use of travel, hotel, lounge and concierge benefits.
4 first-party sourcesReviewed September 12, 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 Platinum Plus Credit Card
A general rewards card with online-spend acceleration and modest spend-conditioned lounge access.
Annual fee₹999 + GST from the second year onward under the current RBL Bank MITC
Rewards1 reward point per ₹100 base earn and 2X on online spends in the reviewed illustration, subject to caps/terms
LoungeComplimentary airport-lounge access was discontinued with effect from 1 July 2025; the current product page still shows the legacy two-visits-per-year description alongside the discontinuation notice, so no current complimentary lounge entitlement is treated as active.
Forex3.50% foreign-currency / dynamic-and-static conversion markup under the current RBL Bank MITC.
Best useModerate spenders seeking general rewards with limited domestic lounge access.
2 first-party sourcesReviewed September 11, 2026
RBL Bank · Active
Open dossier RBL Bank BankBazaar SaveMax Credit Card
A lifetime-free co-branded card focused on grocery acceleration and basic rewards.
Annual feeNil under the current RBL Bank MITC.
Rewards5X reward points on eligible grocery spends up to the published monthly cap; 1 reward point per ₹100 base on eligible spends
LoungeNo complimentary airport-lounge entitlement is stated on the reviewed current product page or current RBL Bank MITC.
Forex3.50% foreign-currency / dynamic-and-static conversion markup under the current RBL Bank MITC.
Best useFee-sensitive users with regular grocery spend who prefer points over cashback.
3 first-party sourcesReviewed September 11, 2026
RBL Bank · Active
Open dossier RBL Bank Platinum TravelEasy Credit Card
A travel/fuel card whose value comes from specific mobility categories and milestone benefits rather than broad cashback.
Annual fee₹999 + GST from the current RBL product/MITC structure
RewardsReviewed product page positions the card around travel, fuel, Ola/Uber and milestone vouchers
LoungeNo complimentary airport-lounge entitlement is stated on the reviewed current Platinum TravelEasy product page or current SuperCard MITC.
Forex3.50% foreign-currency transaction markup under the current RBL SuperCard MITC.
Best useDrivers and domestic travelers who can use fuel and ride-hailing benefits.
2 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 Diners Club Black Metal Edition
A super-premium HDFC metal card combining strong reward transfer/redemption options, unlimited lounge access and quarterly milestone points.
Annual fee₹10,000 + applicable taxes
Rewards5 Reward Points per ₹150 on eligible spends; up to 10X via SmartBuy; 10,000 bonus Reward Points on ₹4 lakh calendar-quarter spends
LoungeUnlimited complimentary global airport lounge access for primary and add-on cardholders on the reviewed issuer page
Forex2% foreign-currency markup on the reviewed issuer page
Best useHigh-spend travelers who can use lounge access, premium redemptions and quarterly reward milestones enough to justify the fee.
3 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
HDFC Bank · Active
Open dossier HDFC Bank Infinia Metal Edition Credit Card
HDFC Bank’s super-premium metal card with unlimited global lounge access, 5 Reward Points per ₹150 and a high annual fee that demands substantial benefit usage.
Annual fee₹12,500 + applicable taxes for the current Infinia Metal Edition structure.
Rewards5 Reward Points per ₹150 on eligible spends; up to 10X Reward Points on SmartBuy
LoungeUnlimited complimentary domestic airport-lounge access for primary and add-on cardholders using the Infinia card, plus complimentary Priority Pass lounge access outside India for primary and add-on Priority Pass holders; guest visits are chargeable under current lounge terms.
Forex2% foreign-currency transaction markup under the current HDFC Bank fee schedule for Infinia Metal Edition.
Best useVery high-spend travelers who can extract real value from premium travel, concierge, hotel, golf and high-value reward redemptions.
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
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
ICICI Bank · Active
Open dossier ICICI Bank HPCL Super Saver Credit Card
A low-fee HPCL co-branded card built around fuel savings, accelerated daily-essential rewards and a small set of lifestyle benefits.
Annual fee₹500 + GST
RewardsReviewed issuer page highlights 5% savings on eligible fuel at HPCL/HP Pay and accelerated Reward Points on selected daily-essential spends
Lounge1 complimentary domestic airport lounge visit per quarter after ₹75,000 spend in the preceding calendar quarter; the benefit is for the primary cardholder.
Forex3.5% foreign-currency markup
Best useDrivers whose fuel spend is concentrated at HPCL and who can also use the utility, movie and roadside-assistance benefits.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier MakeMyTrip ICICI Bank Credit Card
A travel-focused ICICI/MakeMyTrip card combining myCash, MMTBLACK membership, lounge benefits and a low 0.99% forex markup.
Annual fee₹999 + GST
RewardsUp to 6% myCash on eligible MakeMyTrip bookings; unlimited myCash rewards that do not expire under the reviewed product proposition
Lounge2 complimentary domestic airport lounge visits per quarter after ₹75,000 spend in the preceding calendar quarter, plus 1 complimentary international airport lounge visit annually; lounge benefits are for the primary cardholder.
Forex0.99% foreign-currency markup
Best useTravelers who frequently book through MakeMyTrip and want a published 0.99% forex markup with merchant-linked travel rewards.
3 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Emeralde Private Metal Credit Card
An invite-only super-premium ICICI metal card with unlimited airport lounge access, premium memberships, 2% forex markup and a ₹12,499 annual fee.
Annual fee₹12,499 + GST
Rewards6 Reward Points per ₹200 on eligible retail spends on the reviewed issuer page, with category-specific caps for grocery, utilities, education and insurance
LoungeUnlimited complimentary domestic and international airport lounge access for primary and Plus card members on the reviewed issuer page
Forex2% foreign-currency markup
Best useInvite-only high-spend customers who can use unlimited lounges, premium memberships, golf, concierge and travel protections enough to justify the fee.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier Times Black ICICI Bank Credit Card
A super-premium ICICI/Times Internet Visa card with unlimited lounge access, 1.49% forex markup and an expensive lifestyle-heavy benefit stack.
Annual fee₹20,000 + GST
Rewards2% ICICI Bank Reward Points on eligible domestic spends and 2.5% on eligible international spends on the reviewed issuer page
LoungeUnlimited complimentary domestic and international airport lounge access; Priority Pass membership is included for eligible primary/Plus cardholders
Forex1.49% foreign-currency markup
Best useUltra-high-spend premium travelers who can use unlimited lounges, luxury stays, travel services and high-end lifestyle benefits enough to offset a ₹20,000 annual fee.
4 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 LIT Credit Card
A customizable lifetime-free AU card where users can selectively pay for quarterly-style reward, cashback and lifestyle features.
Annual feeLifetime-free base card under the reviewed issuer page
RewardsCustomizable proposition with optional features including up to 10X reward points, category cashback, milestone cashback, entertainment memberships and fuel-surcharge waiver
LoungeLounge-related value depends on optional features selected; verify the current LIT feature menu before paying for an add-on
ForexStandard AU fee table lists 3.49% cross-currency markup for LIT; optional feature pricing can alter the proposition, so verify before international use
Best useUsers who value a no-annual-fee base card and are willing to actively choose short-duration paid features instead of accepting a fixed benefits bundle.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier ixigo AU Credit Card
A travel-focused AU/ixigo card combining current lifetime-free promotional pricing, zero forex markup, travel rewards and spend-conditioned lounge access.
Annual feeCurrently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
Rewards2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
LoungeUp to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass
Forex0% forex markup on the reviewed dedicated product page
Best useTravel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
3 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 Zenith+ Credit Card
A super-premium AU metal card with 0.99% forex markup, 32 combined annual domestic/international lounge visits and premium lifestyle benefits.
Annual fee₹4,999 + applicable taxes
RewardsUp to 2 Reward Points per ₹100 on dining, travel and international spends; reviewed AU FAQ values 1 Zenith+ Reward Point at ₹1, with welcome voucher/points and milestone benefits
Lounge16 domestic airport lounge visits and 16 international lounge visits annually (4 per quarter each) under reviewed terms; Priority Pass within India is chargeable
Forex0.99% cross-currency markup
Best useHigh-income travelers who value 0.99% forex, frequent lounge access, premium airport services and a metal-card benefit stack.
3 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 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 SELECT Credit Card
A ₹599 YES BANK rewards card adding one quarterly domestic lounge visit to the ACE-style online/offline reward structure.
Annual fee₹599 + 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
Lounge1 complimentary domestic airport lounge visit per quarter under the reviewed benefit structure; current lounge access is subject to the bank's qualifying-spend rules
Forex2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
Best useModerate online spenders who want a low-fee rewards card with limited domestic lounge access.
4 first-party sourcesReviewed September 9, 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 · Invite Only
Open dossier Kotak Solitaire Credit Card
An invite-only relationship credit card combining zero forex markup, unlimited global lounge access and travel-focused Air Miles without a standard annual fee for eligible Solitaire customers.
Annual feeReviewed Kotak Solitaire launch states no annual fee for eligible Solitaire customers
Rewards10 Air Miles per ₹100 on eligible travel bookings through Kotak Unbox on the reviewed issuer listing
LoungeUnlimited global airport lounge access for primary and add-on card members on the reviewed issuer listing
Forex0% foreign-currency transaction markup under the reviewed Kotak MITC
Best useAffluent Kotak customers already eligible for Solitaire who travel internationally and can use unlimited lounge access and zero forex markup.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak White Reserve Credit Card
A super-premium Kotak card with a ₹12,500 annual fee, ₹10 lakh fee-waiver threshold, 2% forex markup and unlimited global lounge access.
Annual fee₹12,500 + applicable taxes
RewardsWhite Pass value can scale with eligible annual spend; the reviewed Kotak listing advertises value up to ₹2.5 lakh annually
LoungeUnlimited global airport lounge access for primary and add-on cardholders on the reviewed issuer listing
Forex2% foreign-currency transaction markup under the reviewed KFS/MITC
Best useVery high-spend premium travelers who can naturally clear the fee threshold and use lounge, concierge and milestone value.
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 IndianOil Kotak Credit Card
A low-fee fuel card centered on IndianOil with a ₹449 annual fee, ₹50,000 waiver threshold and additional grocery/dining reward value.
Annual fee₹449 + applicable taxes
RewardsReviewed Kotak listing advertises 5% value on eligible IndianOil fuel spends and 2% back as reward points on eligible grocery and dining spends
LoungeNot positioned as a lounge-led card in the reviewed issuer listing
Forex3.5% under the reviewed Kotak MITC's standard foreign-currency markup for cards without a special lower rate
Best useDrivers who consistently refuel at IndianOil and can use grocery/dining rewards while keeping annual spend above the modest fee-waiver threshold.
3 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 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
Kotak Mahindra Bank · Active
Open dossier IndiGo Kotak Credit Card
A ₹1,500 IndiGo co-brand card that converts everyday spend into BluChips, with accelerated IndiGo, dining and entertainment earn plus milestone vouchers.
Annual fee₹1,500 + applicable taxes
RewardsKotak currently advertises up to 19 IndiGo BluChips per ₹100 on IndiGo bookings; issuer T&Cs separately show card-level earn of 3% on IndiGo bookings, 2% on dining/entertainment and 1% on other eligible spends, plus milestone vouchers
LoungeNot treated as a core lounge card in the reviewed current product material
Forex3.5% under the reviewed Kotak MITC's standard foreign-currency markup
Best useRegular IndiGo flyers who can use BluChips and naturally reach the card's travel milestones without overspending.
5 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 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 IndusInd Bank Legend Credit Card
A lifetime-free-positioned rewards card with double weekend earn and 1.8% forex markup; importantly, its airport-lounge benefit was discontinued in March 2025.
Annual feeLifetime-free positioning on the reviewed current issuer range
Rewards1 Reward Point per ₹100 on weekdays and 2 Reward Points per ₹100 on weekends, plus a published annual-spend bonus structure
LoungeThe issuer states lounge access was discontinued effective March 7, 2025
Forex1.8% foreign-currency markup on the reviewed issuer page
Best useUsers who value weekend reward acceleration, movie/fuel benefits and a relatively low 1.8% forex markup more than airport-lounge access.
2 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
IndusInd Bank · Active
Open dossier IndusInd Bank Avios Visa Infinite Credit Card
A premium airline-miles card built around Avios, a chosen airline programme and a preferred international destination, with 1.5% forex pricing specifically at that selected destination.
Annual feeSee current IndusInd Bank MITC / application offer
RewardsChoose British Airways Executive Club or Qatar Airways Privilege Club; earn Avios with accelerated earn at a selected international destination and milestone benefits of up to 36,000 bonus Avios a year
LoungeTravel benefits are premium and itinerary-led; verify the current lounge entitlement in the controlling issuer terms before relying on it
Forex1.5% discounted forex markup for POS transactions at the selected preferred international destination; other international transactions can follow different pricing
Best useFrequent international travelers who can concentrate spend on a selected destination and genuinely use British Airways or Qatar Airways Avios.
2 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Solitaire Credit Card
A high-fee premium IndusInd card with ₹30,000 joining fee, ₹10,000 annual fee and a ₹10 lakh renewal-waiver threshold, aimed at users who can consume the bundled luxury benefits.
Annual fee₹10,000 on the reviewed issuer page
RewardsPremium rewards and lifestyle benefits packaged with hotel, dining, travel and relationship-style privileges; use current issuer redemption rules for point value
LoungePremium travel benefits apply; verify the current domestic/international lounge conditions on the issuer page before relying on visit counts
ForexSee current IndusInd Bank MITC before international use
Best useHigh-spend premium users who can genuinely use the Taj/EazyDiner-style benefit package and naturally meet the ₹10 lakh renewal-waiver threshold.
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
Federal Bank · Active
Open dossier Federal Bank Imperio Credit Card
A currently lifetime-free Federal Bank rewards/lifestyle card with 3-2-1 positioning and advertised lounge access, offset by a 3.5% forex markup.
Annual feeNil under the currently reviewed onboarding terms; current issuer FAQ describes the lifetime-free offer as limited-period
RewardsFederal Bank markets Imperio with its 3-2-1 reward structure, partner vouchers, dining benefits and fuel-surcharge waiver positioning
LoungeComplimentary airport lounge access is advertised on the issuer's current credit-card listing; verify present quota/conditions
Forex3.5% foreign-currency markup in the reviewed Federal Bank MITC
Best useFederal Bank customers seeking a no-standard-fee rewards card with travel and lifestyle benefits but limited need for foreign-currency spending.
3 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
Federal Bank · Active
Open dossier Federal Bank RuPay Wave Credit Card
A RuPay UPI floater card linked to an existing Federal Bank credit card and shared credit limit, with virtual issuance designed for merchant UPI use.
Annual fee₹199 + GST in the reviewed KFS
RewardsDesigned primarily as a UPI-enabled RuPay floater card linked to an existing Federal Bank primary credit card; reward treatment follows current issuer programme terms
LoungeNot positioned as a lounge-led product
Forex3.5% foreign-currency markup in the reviewed Federal Bank charge material
Best useExisting Federal Bank credit-card customers who want a RuPay credit-card layer for eligible merchant UPI payments without a separate credit limit.
3 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Scapia Federal Credit Card
A no-annual-fee Federal Bank co-brand built around travel, zero forex markup and spend-unlocked unlimited domestic lounge access.
Annual feeNil in the reviewed Federal Bank MITC
RewardsCurrent Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date
LoungeUnlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both.
ForexZero forex markup under the reviewed Federal Bank Scapia terms
Best useTravel-heavy users who want zero forex markup, no annual fee and can naturally meet Scapia's lounge-unlock spend conditions.
6 first-party sourcesReviewed September 11, 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 Select Credit Card
A mid-tier RuPay card with 2 points per ₹150, lounge access, lifestyle benefits and a ₹750 annual fee that can be waived through quarterly use.
Annual fee₹750 + applicable taxes
Rewards2 PNB Reward Points per ₹150 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, alongside concierge and RuPay lifestyle benefits
Forex3.50% foreign-currency markup over the network conversion rate
Best usePNB customers who want a stronger RuPay rewards/lifestyle package and can satisfy the simple quarterly-use fee-waiver condition.
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 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 Platinum Credit Card
A relationship-linked lifetime-free RuPay card for eligible PNB EXCEL salary customers, with UPI, 1 point per ₹100 and 4 domestic plus 1 international lounge visit yearly.
Annual feeNil while the qualifying PNB salary-account relationship is maintained
Rewards1 PNB Reward Point per ₹100 on eligible spend
Lounge4 domestic lounge visits per year (1 per quarter) and 1 international lounge visit per year under the reviewed issuer page
Forex3.50% foreign-currency markup over the network conversion rate
Best useEligible PNB EXCEL salary-account customers who can use a genuinely no-standard-fee RuPay card with UPI and modest lounge benefits.
4 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
Punjab National Bank · Active
Open dossier PNB LUXURA RuPay Metal Credit Card
PNB’s super-premium RuPay metal card pairs nil forex markup and unlimited lounges with 4 points per ₹100, travel/dining acceleration and a high fee structure.
Annual fee₹7,500 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best useHigh-income travelers who can use unlimited lounges, zero forex markup and premium hospitality benefits enough to justify the large fee exposure.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB LUXURA Visa Metal Credit Card
A premium Visa Infinite metal card with nil forex markup, unlimited lounges, 4 points per ₹100 and a lower published annual fee than PNB’s RuPay LUXURA.
Annual fee₹1,999 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best usePremium international travelers who want zero forex markup and unlimited lounges but prefer the materially lower fee of the Visa LUXURA over the RuPay metal version.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB BLISS RuPay Platinum Credit Card
A low-fee RuPay lifestyle card combining UPI, modest rewards, entertainment/wellness benefits and 4 domestic plus 1 international lounge visit each year.
Annual fee₹510 + applicable taxes
Rewards1 PNB Reward Point per ₹100 on eligible retail-category spend
Lounge4 complimentary domestic lounge visits per year (1 per quarter) and 1 complimentary international lounge visit per year
Forex3.50% foreign-currency markup over the network conversion rate
Best useLifestyle-focused users who can use recurring entertainment, wellness and lounge perks and naturally clear the ₹1 lakh annual-fee waiver threshold.
4 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
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
Bank of Baroda / BOBCARD · Active
Open dossier BOBCARD PREMIER Credit Card
A travel-oriented BOBCARD with 5X rewards on selected travel, international and dining spend plus quarterly lounge access.
Annual fee₹1,000 from the second year under the current BOBCARD product page.
Rewards10 reward points per ₹100 on eligible travel, international and dining spends under the current 5X structure; other eligible spend follows the card's core reward rate and exclusions.
LoungeOne complimentary airport-lounge visit every quarter is advertised, subject to the current lounge list and eligibility criteria.
ForexThe reviewed PREMIER product page does not state a reduced forex-markup percentage; the current BOBCARD MITC should be checked before international use.
Best useMid-premium users who value travel/dining rewards and quarterly lounge access without ETERNA-level pricing.
2 first-party sourcesReviewed September 12, 2026
Bank of Baroda / BOBCARD · Active
Open dossier BOBCARD SELECT Credit Card
A lower-fee BOBCARD focused on online and dining rewards with a published ₹70,000 annual-fee-waiver milestone.
Annual fee₹750 from the second year under the current BOBCARD product page.
Rewards5 reward points per ₹100 on eligible online and dining spends, capped at 1,000 accelerated reward points per statement cycle; 1 reward point per ₹100 on other eligible categories. Current cashback redemption is ₹0.20 per reward point.
LoungeNot positioned as a lounge-led card on the reviewed current product page.
ForexNo reduced forex rate is stated on the reviewed SELECT product page; verify the current BOBCARD MITC before international use.
Best useOnline shoppers and diners who can use the accelerated categories without overshooting the statement-cycle cap.
2 first-party sourcesReviewed September 12, 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 TravelOne Credit Card
A travel rewards card with 4 points per ₹100 on travel/foreign-currency categories, 1:1 partner conversion positioning and 10 annual lounge visits split domestic/international.
Annual fee₹4,999; free when annual spend exceeds ₹8 lakh under the current HSBC product page.
Rewards4 reward points per ₹100 on flights, travel aggregators and foreign-currency spend; 2 reward points per ₹100 on other eligible spend with no stated base cap; 10,000 bonus points after annual spend above ₹12 lakh. Reward points can be converted to listed airline/hotel partners in-app.
Lounge6 local/domestic and 4 international airport-lounge visits per year under the current product page.
ForexThe reviewed public TravelOne product-page text does not state one standalone forex-markup percentage; accelerated points on foreign-currency spend are a reward rule, not a fee waiver. Verify the current MITC/KFS before international use.
Best useFrequent travellers who value airline/hotel transfer partners, accelerated travel earn and a defined domestic/international lounge quota.
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
Standard Chartered India · Active
Open dossier Standard Chartered Rewards Credit Card
A mainstream Standard Chartered rewards card with 4+4 point acceleration above a monthly retail threshold and quarterly lounge access.
Annual fee₹1,000 from the second year under the current Standard Chartered tariff; year 1 has no joining/annual charge for this card.
Rewards4 reward points per ₹150 on eligible retail spend; an additional 4 points per ₹150 on monthly eligible retail spend above ₹20,000, with the current bonus capped at 2,000 points per statement cycle.
Lounge1 complimentary domestic airport-lounge visit per calendar quarter, up to 4 per year under the current product page.
ForexStandard Chartered currently states 3.5% on overseas transactions for cards other than Ultimate; verify the current tariff at time of use.
Best useRetail spenders who value straightforward points and quarterly domestic lounge access and can meet the ₹1.5 lakh annual-fee waiver.
3 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 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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