This is our full card database. It holds 16 cards, checked against issuer terms as of 5 September 2026. That is not every card sold in India, and we will not pretend otherwise. A card enters this table when we have verified its fee, its reward structure and its lounge terms ourselves.
Read the table on two columns, not one. The annual fee is shown before GST, because that is how issuers publish it. The effective reward rate is our own blended estimate across a normal spend mix. It is deliberately not the accelerated rate an issuer advertises on a single category.
Every credit card in our database
| Card | Annual fee | Joining fee | Rewards | |
|---|---|---|---|---|
| Cashback SBI Card | ₹999 | ₹999 | 4.2% cashback | |
Read moreWhat it is good at
The rest of the record Forex markup3.50% Domestic lounge visits / year0 International lounge visits / year0 Waived off on annual spends of Rs. 2 lakhIssuer terms | ||||
| Axis Atlas Credit Card | ₹5,000 | ₹5,000 | 4.5% in miles | |
Read moreWhat it is good at
The rest of the record Forex markup3.50% Domestic lounge visits / year8 International lounge visits / year4 | ||||
| HDFC Infinia Credit Card | ₹12,500 | ₹12,500 | 3.3% in points | |
Read moreWhat it is good at
The rest of the record Forex markup2.00% Domestic lounge visits / yearUnlimited International lounge visits / yearUnlimited Waived off on spending Rs. 10 Lakh in a yearIssuer terms | ||||
| Federal Bank Scapia Credit Card | ₹0 | ₹0 | 3.0% in vouchers | |
Read moreWhat it is good at
The rest of the record Forex markup0.00% Domestic lounge visits / yearUnlimited International lounge visits / year0 | ||||
| Tata Neu Infinity HDFC Bank Credit Card | ₹1,499 | ₹1,499 | 2.8% cashback | |
Read moreWhat it is good at
The rest of the record Forex markup2.00% Domestic lounge visits / year8 International lounge visits / year4 Waived off on spending Rs. 3 lakh in a yearIssuer terms | ||||
| HDFC Regalia Gold Credit Card | ₹2,500 | ₹2,500 | 2.6% in points | |
Read moreWhat it is good at
The rest of the record Forex markup2.00% Domestic lounge visits / year12 International lounge visits / year6 Waived off on spending Rs. 4 lakh in a yearIssuer terms | ||||
| American Express Membership Rewards Credit Card | ₹4,500 | Not published | 2.5% | |
Read moreThe rest of the record Forex markup3.50% Domestic lounge visits / year0 International lounge visits / year0 | ||||
| BPCL SBI Card Octane | ₹1,499 | ₹1,499 | 2.5% in points | |
Read moreWhat it is good at
The rest of the record Forex markup3.50% Domestic lounge visits / year4 International lounge visits / year0 Reversed on spending Rs. 2 lakh in a yearIssuer terms | ||||
| HDFC Millennia Credit Card | ₹1,000 | ₹1,000 | 2.4% cashback | |
Read moreWhat it is good at
The rest of the record Forex markup3.50% Domestic lounge visits / year4 International lounge visits / year0 Waived off on Rs. 1 lakh annual spendsIssuer terms | ||||
| Axis Bank ACE Credit Card | ₹499 | ₹499 | 2.2% cashback | |
Read moreWhat it is good at
The rest of the record Forex markup3.50% Domestic lounge visits / year4 International lounge visits / year0 | ||||
| Amazon Pay ICICI Credit Card | ₹0 | Not published | ≈2% | |
Read moreThe rest of the record Forex markup1.99% Domestic lounge visits / year0 International lounge visits / year0 | ||||
| ICICI HPCL Super Saver Credit Card | ₹500 | ₹500 | 2.0% cashback | |
Read moreWhat it is good at
The rest of the record Forex markup3.50% Domestic lounge visits / year4 International lounge visits / year0 Waived off on spending Rs. 1.5 lakh in a yearIssuer terms | ||||
| IDFC FIRST Select Credit Card | ₹0 | Not published | ≈1.8% | |
Read moreThe rest of the record Forex markup0.00% Domestic lounge visits / year4 International lounge visits / yearnone | ||||
| AU Bank LIT Credit Card | ₹0 | Not published | ≈1.5% | |
Read moreThe rest of the record Forex markup3.49% Domestic lounge visits / year0 International lounge visits / year0 | ||||
| IndusInd Bank Tiger Credit Card | ₹0 | ₹0 | 1.2% in points | |
Read moreWhat it is good at
The rest of the record Forex markup1.50% Domestic lounge visits / year8 International lounge visits / year2 | ||||
| SBI Unnati Credit Card | ₹499 | Not published | ≈0.5% | |
Read moreThe rest of the record Forex markup3.50% Domestic lounge visits / year0 International lounge visits / year0 Free for the first 4 years; ₹499 + taxes from the 5th year | ||||
How to read the fee column
Every fee here excludes GST. Add 18% to get what leaves your account. The ₹12,500 on Infinia becomes ₹14,750. The ₹999 on SBI Cashback becomes ₹1,178.82. Issuers quote the pre-GST number, so comparison sites repeat it, and readers are surprised on the statement.
Several of these cards waive the fee at a spend threshold. SBI Cashback waives at ₹2,00,000 a year. Tata Neu Infinity waives at ₹3,00,000. Infinia waives at ₹10,00,000. A waiver you will not reach is not a discount, so measure the threshold against what you actually spend.
How to read the reward rate column
The effective rate is blended. It assumes a mixed basket of online, offline, fuel and travel spending. A card that pays 5% on one category and 1% everywhere else lands well below 5% here.
That is deliberate. The advertised rate is the rate on the issuer’s best case. The blended rate is closer to yours. Where your spending really is concentrated, the advertised rate matters more, and our reward value calculator will price it against your own numbers.
What this table cannot tell you
It cannot tell you whether you will be approved. Issuers use internal scorecards, and income, employer and existing card count all feed them. Our page on the credit score needed for a credit card sets out what each tier expects.
It also carries no star ratings and no ranking. We hold no user reviews, so a rating out of five would be a claim we cannot support. The columns are facts. The judgement is on each card’s own review page.
If you want a shortlist rather than a database, start with the cashback cards or, on a first card, the entry-level list.
Frequently asked questions
Which credit card has the best reward rate?
On our blended estimate, Axis Atlas at 4.5% in miles, then SBI Cashback at 4.2%. Atlas costs ₹5,000 before GST and only pays off if you redeem miles. SBI Cashback needs no redemption at all.
Is a lifetime-free credit card worth taking?
Usually yes as a second card. Amazon Pay ICICI, Scapia, IDFC FIRST Select, AU LIT, IndusInd Tiger and SBI Unnati all carry no annual fee in our data. A free card keeps your credit history long and your utilisation low.
How many credit cards should I hold?
Enough to cover your main spending categories, and no more than you can pay in full each month. Every extra card is another due date. Interest on a revolved balance dwarfs any reward rate in this table.
Why are only 16 cards listed?
Because we verify each entry against the issuer’s own terms. Adding cards we have not checked would make the list longer and less useful. We would rather be short and right.
Sources
- Credsir credit card database, verified against issuer terms as of 5 September 2026. Fees exclude the 18% GST charged on them. Card terms change without notice.
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