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Smart Credit Card Reviews & Offers for Indians

Compare Credit Cards India 2025

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AU Bank Altura Credit Card

High cashback rewards

 ₹499 ₹500 cashback 5% cashback on utilities Utility bill payments ★★★★☆ 4.0 Apply Now

AU Bank Zenith Credit Card

Premium travel benefits

 ₹1,999 ₹2,000 points 4X points on travel & dining Travel enthusiasts ★★★★☆ 4.2 Apply Now

American Express Gold Card

Premium rewards and travel

 ₹4,500 ₹4,500 points 4X points on dining & travel Premium travelers ★★★★★ 4.5 Apply Now

American Express MRCC

Membership Rewards Credit Card

 ₹1,500 ₹1,500 points 4X points on dining Rewards collectors ★★★★☆ 4.3 Apply Now

American Express Platinum Travel

Ultra-premium travel benefits

 ₹60,000 ₹30,000 points 5X points on flights & hotels Luxury travelers ★★★★★ 4.8 Apply Now

American Express SmartEarn

Cashback focused card

 ₹1,499 ₹1,500 cashback 5% cashback on utilities Cashback seekers ★★★★☆ 4.2 Apply Now

Axis Bank ACE

High cashback on utility bills

 ₹499 ₹500 cashback 5% on utility bill payments Bill payments ★★★★☆ 4.0 Apply Now

Axis Bank Freecharge Plus

Digital payments rewards

 ₹500 ₹500 Freecharge cashback 5% cashback on mobile recharges Digital payment users ★★★☆☆ 3.7 Apply Now

Axis Bank IOCL Credit Card

Indian Oil fuel rewards

 ₹500 ₹500 fuel voucher 4% cashback on IOCL fuel Indian Oil customers ★★★★☆ 4.0 Apply Now

Axis Bank MY ZONE

Lifestyle and entertainment card

 ₹500 ₹500 voucher 4X points on fuel & movies Young professionals ★★★☆☆ 3.7 Apply Now

Axis Bank Magnus

Premium travel and lifestyle card

 ₹12,500 25,000 EDGE points 25X points on travel & dining Premium travelers ★★★★★ 4.8 Apply Now

Axis Bank Neo Credit Card

Entry-level rewards card

 ₹250 ₹250 voucher 2X points on all spends Students & new users ★★★☆☆ 3.6 Apply Now

Axis Bank Ola Credit Card

Ride and travel rewards

 ₹500 ₹500 Ola Money 7% cashback on Ola rides Frequent commuters ★★★★☆ 3.9 Apply Now

Axis Bank Privilege

Premium rewards and benefits

 ₹1,500 ₹1,500 vouchers 10X points on dining Dining enthusiasts ★★★★☆ 4.1 Apply Now

Axis Bank Reserve Credit Card

Ultra-premium travel card

 ₹50,000 ₹50,000 EDGE points 25X points on all spends Ultra luxury segment ★★★★★ 4.9 Apply Now

Axis Bank Vistara Credit Card

Vistara airline benefits

 ₹3,500 3,500 CV Points 6X CV Points on Vistara Vistara frequent flyers ★★★★☆ 4.3 Apply Now

Axis Burgundy Private Credit Card

Private banking exclusive

 ₹11,000 ₹11,000 EDGE points 25X points on travel Private banking clients ★★★★★ 4.7 Apply Now

Bank of Baroda Premier

Premium rewards program

 ₹1,499 ₹1,500 points 4X points on fuel & dining Regular premium users ★★★☆☆ 3.8 Apply Now

Citi Prestige Credit Card

Ultra-premium travel benefits

 ₹20,000 ₹20,000 points 5X points on all spends Ultra luxury lifestyle ★★★★★ 4.8 Apply Now

Citi Rewards Credit Card

Travel and lifestyle rewards

 ₹1,000 ₹1,000 points 4X points on dining & fuel Travel and dining ★★★★☆ 4.0 Apply Now

Federal Bank Primo Credit Card

Entry-level rewards card

 ₹499 ₹500 voucher 2X points on all spends First-time users ★★★☆☆ 3.7 Apply Now

Federal Bank Signet Credit Card

Premium rewards program

 ₹1,999 ₹2,000 points 4X points on dining & fuel Premium users ★★★☆☆ 3.9 Apply Now

Flipkart Axis Bank Credit Card

Flipkart shopping rewards

 ₹500 ₹500 Flipkart voucher 5% cashback on Flipkart Flipkart shoppers ★★★★☆ 4.0 Apply Now

HDFC Bank Infinia

Super premium metal card

 ₹12,500 ₹12,500 points 5X points on all spends Ultra high net worth ★★★★★ 4.9 Apply Now

HDFC Bank Regalia

Premium travel & lifestyle benefits

 ₹2,500 ₹2,500 vouchers 4X points on dining & travel Travel enthusiasts ★★★★☆ 4.2 Apply Now

HDFC Bharat Petroleum Credit Card

BPCL fuel rewards

 ₹500 ₹500 fuel voucher 7X points on BPCL fuel BPCL customers ★★★★☆ 4.1 Apply Now

HDFC Business MoneyBack

Business expenses rewards

 ₹1,000 ₹1,000 cashback 5X points on business spends Business owners ★★★★☆ 3.9 Apply Now

HDFC Diners Club Black

Ultra-premium luxury card

 ₹10,000 ₹10,000 vouchers 5X points on all spends Luxury lifestyle ★★★★★ 4.7 Apply Now

HDFC Diners Club Black Metal

Ultra-luxury metal card

 ₹10,000 ₹10,000 points 5X points on all spends Ultra high net worth ★★★★★ 4.8 Apply Now

HDFC Freedom Credit Card

No annual fee with rewards

 Lifetime Free ₹500 voucher 2X points on all spends First-time users ★★★☆☆ 3.8 Apply Now

HDFC Indian Oil Credit Card

Indian Oil fuel benefits

 ₹500 ₹500 fuel voucher 5% cashback on IOCL fuel Indian Oil customers ★★★★☆ 4.0 Apply Now

HDFC JetPrivilege

Airline miles and travel benefits

 ₹2,500 2,500 JPMiles 4X miles on Jet Airways Frequent flyers ★★★★☆ 4.0 Apply Now

HDFC Millennia

High cashback on online shopping

 ₹1,000 ₹1,000 cashback 5% on online shopping Online shoppers ★★★★☆ 4.1 Apply Now

HDFC MoneyBack+

Entry-level card with good rewards

 ₹500 ₹500 voucher 5X points on online shopping Students & first-time users ★★★☆☆ 3.9 Apply Now

HDFC Swiggy Credit Card

Food delivery and dining rewards

 ₹500 ₹500 Swiggy voucher 10% cashback on Swiggy Food enthusiasts ★★★★☆ 4.2 Apply Now

HDFC Times Titanium

Entertainment and lifestyle benefits

 ₹4,000 ₹4,000 vouchers 9X points on weekends Entertainment lovers ★★★★☆ 4.0 Apply Now

ICICI Air India Credit Card

Air India co-branded benefits

 ₹4,999 5,000 Air India miles 4X miles on Air India Air India travelers ★★★★☆ 4.1 Apply Now

ICICI Amazon Pay Credit Card

Lifetime free with Amazon benefits

 Lifetime Free ₹2,000 Amazon Pay balance 5% on Amazon purchases Amazon shoppers ★★★★☆ 4.4 Apply Now

ICICI Bank Coral Credit Card

Contactless rewards card

 ₹500 ₹500 voucher 2X points on dining & movies Entertainment lovers ★★★☆☆ 3.9 Apply Now

ICICI Bank Emeralde

Private banking premium card

 ₹12,000 ₹12,000 points 4X points on all spends Ultra high net worth ★★★★★ 4.8 Apply Now

ICICI Bank Platinum

Everyday rewards and benefits

 ₹499 ₹500 voucher 2X points on all spends Regular spenders ★★★☆☆ 3.8 Apply Now

ICICI Bank Sapphiro

Ultra-premium travel benefits

 ₹12,500 ₹12,500 points 3X points on all spends Luxury lifestyle ★★★★★ 4.6 Apply Now

ICICI Bank Student

First credit card for students

 Lifetime Free ₹500 voucher 2X points on online shopping Students ★★★☆☆ 3.6 Apply Now

ICICI HPCL Super Saver

Fuel savings specialist

 ₹500 ₹500 fuel voucher 5% cashback on HPCL HPCL fuel users ★★★★☆ 4.0 Apply Now

ICICI MakeMyTrip Credit Card

Travel booking rewards

 ₹1,999 ₹2,000 MMT voucher 4X points on MakeMyTrip Online travel bookers ★★★★☆ 4.0 Apply Now

ICICI Manchester United Credit Card

Football fan exclusive benefits

 ₹3,999 ₹4,000 points 5X points on dining & entertainment Football enthusiasts ★★★★☆ 4.2 Apply Now

ICICI PAYBACK Credit Card

Multi-brand rewards program

 ₹500 ₹500 PAYBACK points 4X PAYBACK points Multi-brand shoppers ★★★☆☆ 3.8 Apply Now

IDBI IOCL Credit Card

Indian Oil fuel benefits

 ₹199 ₹200 fuel voucher 2.5% cashback on IOCL Budget fuel users ★★★☆☆ 3.5 Apply Now

IDBI Insignia Credit Card

Premium lifestyle card

 ₹1,500 ₹1,500 points 3X points on all spends Premium banking ★★★☆☆ 3.8 Apply Now

IDFC FIRST Classic Credit Card

Lifetime free with benefits

 Lifetime Free ₹500 voucher 6X points on fuel & groceries Everyday spenders ★★★★☆ 4.0 Apply Now

IDFC FIRST Select Credit Card

Premium benefits package

 ₹499 ₹2,000 welcome points 10X points on dining Dining enthusiasts ★★★★☆ 4.3 Apply Now

IDFC FIRST Wealth Credit Card

Ultra-premium wealth card

 ₹10,000 ₹10,000 points 12X points on travel High net worth individuals ★★★★★ 4.6 Apply Now

IndusInd Legend Credit Card

Ultra-premium metal card

 ₹15,000 ₹15,000 points Unlimited points on all spends Ultra high net worth ★★★★★ 4.9 Apply Now

IndusInd Pinnacle Credit Card

Premium rewards and benefits

 ₹3,000 ₹3,000 points 4X points on dining & travel Premium lifestyle ★★★★☆ 4.3 Apply Now

Kotak 811 #Dream Different

Digital-first credit card

 ₹500 ₹500 voucher 4X points on online shopping Digital natives ★★★☆☆ 3.7 Apply Now

Kotak Myntra Credit Card

Fashion shopping rewards

 Lifetime Free ₹500 Myntra voucher 5% cashback on Myntra Fashion shoppers ★★★★☆ 4.1 Apply Now

Kotak Platinum Credit Card

Premium lifestyle benefits

 ₹1,999 ₹2,000 vouchers 4X points on dining & fuel Premium lifestyle ★★★★☆ 3.9 Apply Now

Kotak White Credit Card

Premium lifestyle benefits

 ₹999 ₹1,000 vouchers 4X points on dining & fuel Lifestyle enthusiasts ★★★☆☆ 3.8 Apply Now

PNB Select Credit Card

Premium banking benefits

 ₹1,200 ₹1,200 points 3X points on all spends Banking customers ★★★☆☆ 3.6 Apply Now

RBL Bank MoneyBack+

High cashback on categories

 ₹999 ₹1,000 cashback 5% cashback on utilities Bill payment users ★★★★☆ 3.9 Apply Now

RBL ShopRite Credit Card

Shopping rewards specialist

 ₹750 ₹750 voucher 5% cashback on shopping Shopping enthusiasts ★★★☆☆ 3.7 Apply Now

SBI Air India Signature

Air India miles and benefits

 ₹4,999 5,000 Air India miles 4X miles on Air India bookings Air India frequent flyers ★★★★☆ 4.2 Apply Now

SBI BPCL Credit Card

Fuel rewards specialist

 ₹499 ₹500 fuel voucher 25X points on BPCL fuel Heavy fuel users ★★★★☆ 4.1 Apply Now

SBI Card AURUM

Premium travel and lifestyle

 ₹4,999 ₹5,000 vouchers 5X points on travel & dining Premium travelers ★★★★☆ 4.4 Apply Now

SBI Card ELITE

Travel and lifestyle rewards

 ₹4,999 ₹5,000 vouchers 5X points on travel & dining Travel enthusiasts ★★★★☆ 4.3 Apply Now

SBI Card Ola

Mobility and fuel rewards

 ₹499 ₹500 Ola Money 5% cashback on Ola & fuel Urban commuters ★★★★☆ 3.9 Apply Now

SBI Card PRIME

Premium lifestyle benefits

 ₹2,999 ₹3,000 vouchers 5X points on dining & movies Lifestyle enthusiasts ★★★★☆ 4.2 Apply Now

SBI Cashback Credit Card

Unlimited 5% cashback on online shopping

 ₹999 ₹2,000 bonus points 5% cashback online Heavy online shoppers ★★★★☆ 4.3 Apply Now

SBI Flipkart Credit Card

E-commerce shopping rewards

 ₹499 ₹500 Flipkart voucher 5% cashback on Flipkart Flipkart shoppers ★★★★☆ 4.1 Apply Now

SBI IOCL Credit Card

Indian Oil fuel rewards

 ₹499 ₹500 fuel voucher 25X points on IOCL fuel Indian Oil users ★★★★☆ 4.0 Apply Now

SBI Simply Save

No annual fee with fuel benefits

 ₹499 ₹500 voucher 5X points on fuel & grocery Fuel & grocery shopping ★★★☆☆ 3.8 Apply Now

SBI Student Plus Credit Card

Student-friendly features

 Lifetime Free ₹250 voucher 5X points on online shopping Students & first-time users ★★★☆☆ 3.7 Apply Now

Standard Chartered Manhattan

Premium travel and lifestyle

 ₹1,999 ₹2,000 vouchers 5X points on dining & fuel Travel enthusiasts ★★★★☆ 4.1 Apply Now

Union Bank IOCL Credit Card

Fuel savings card

 ₹300 ₹300 fuel voucher 2% cashback on IOCL Budget conscious users ★★★☆☆ 3.4 Apply Now

YES FIRST Exclusive

Premium benefits and rewards

 ₹2,999 ₹2,999 vouchers 6X points on dining & fuel Dining enthusiasts ★★★★☆ 4.1 Apply Now

Complete Guide to Credit Card Comparison in India 2025

🔍 How to Compare Credit Cards

  • Compare annual fees and joining fees
  • Analyze reward rates for your spending categories
  • Check welcome bonus offers and their value
  • Review benefits like lounge access and insurance
  • Verify minimum income requirements
  • Consider acceptance network (Visa/Mastercard)

💳 Best Credit Cards by Category

  • Cashback: SBI Cashback, HDFC Millennia
  • Travel: HDFC Regalia, Axis Magnus
  • Premium: ICICI Sapphiro, IndusInd Legend
  • Entry-level: ICICI Amazon Pay, Kotak 811
  • Business: HDFC Business MoneyBack
  • Fuel: Indian Oil HDFC, BPCL SBI Card

🏦 Top Banks for Credit Cards

  • HDFC Bank: Best for travel and premium benefits
  • SBI Card: Excellent cashback options
  • ICICI Bank: Technology-driven features
  • Axis Bank: High reward rates
  • Kotak Bank: Digital-first approach
  • YES Bank: Good dining benefits

⚡ Quick Comparison Tips

  • Calculate total cost including annual fees
  • Match card benefits to your spending habits
  • Check reward point redemption options
  • Verify eligibility criteria before applying
  • Read terms and conditions carefully
  • Consider upgrade path to premium cards

Ready to Find Your Perfect Credit Card?

Use our comparison tool above to select cards and compare them side by side. Get detailed analysis of fees, rewards, and benefits to make the best choice for your financial needs.

✅ Updated Daily 🔒 Secure Applications 🏆 RBI Approved Banks