Side-by-side comparison of top cards from India's leading banks. Real fees, real rewards — no sponsored rankings.
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Every card side-by-side. Scroll right on mobile.
| Card | Joining Fee | Annual Fee | Reward Rate | Key Benefit | Category |
|---|---|---|---|---|---|
|
HDFC Regalia Gold
HDFC Bank
|
₹2,500 + GST | ₹2,500 + GST | 4 RP per ₹150 | 5X on Myntra, Nykaa, Reliance Digital, M&S | Rewards |
|
Tata Neu Infinity HDFC
HDFC Bank
|
₹1,499 + GST | ₹1,499 + GST | 5% NeuCoins on Tata Neu | 1.5% NeuCoins on all other spends (1 NeuCoin = ₹1) | Cashback |
|
Amazon Pay ICICI
ICICI Bank
|
Nil | Lifetime Free | 5% on Amazon (Prime) | 3% on Amazon (non-Prime) · 2% at Amazon Pay partners · 1% everywhere else | Cashback |
|
ICICI Coral RuPay
ICICI Bank
|
₹500 + GST | ₹500 + GST | 2 PAYBACK points per ₹100 | 1 PAYBACK point = ₹0.25; no reward expiry | Entry-Level |
|
Axis ACE Credit Card
Axis Bank
|
₹499 + GST | ₹499 + GST | 5% on utility bill payments | 4% on Ola, Zomato, Swiggy · 1.5% on all other spends | Cashback |
|
Axis Atlas Credit Card
Axis Bank
|
₹5,000 + GST | ₹5,000 + GST | 5 EDGE Miles per ₹100 on travel | 2 EDGE Miles per ₹100 on all other spends | Travel |
|
IDFC First Select
IDFC First Bank
|
Nil | Lifetime Free | 3X reward points up to ₹20,000/month | 10X on birthday & spends above ₹20,000 — points never expire | Rewards |
|
IDFC First Millennia
IDFC First Bank
|
Nil | Lifetime Free | 3X reward points on online spends | 1X on other spends; points never expire | Entry-Level |
|
Bajaj Finserv RBL Platinum Plus
Bajaj Finserv
|
₹999 + GST | ₹999 + GST | 2 RP per ₹100 (online) | 1 RP per ₹100 on other spends; 4,000 welcome RPs | Rewards |
|
Bajaj Finserv EMI Card
Bajaj Finserv
|
₹0 (pre-approved) | Nil (free for Bajaj customers) | No-cost EMI on 1.5L+ partners | Up to 18-month EMI on electronics, appliances & more | No-Cost EMI |
⚠️ Rates and fees are subject to change. Please verify with the respective bank before applying. All data sourced from official bank websites as of May 2026.
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Choose based on where you spend the most — not what's advertised the most.
Earn reward points on every rupee spent, redeemable for flights, merchandise, or statement credit. Best for salaried professionals who spend across categories.
Earn air miles and get complimentary airport lounge access. Built for frequent flyers who can maximize value from airline and hotel partner programs.
Earn accelerated rewards or surcharge waivers on fuel spends. Best if you spend ₹3,000+ per month on fuel at petrol pumps.
Get direct cashback credited to your statement — no points conversion, no redemption complexity. Best for simplicity and guaranteed value.
Low or zero fees, easier approval criteria. Perfect for first-time credit card users building their credit history.
Guides written for salaried Indians — not just generic credit card advice.
If you're paying high interest on credit card outstanding balances, EMI consolidation can slash your monthly payment significantly. Free analysis, no commitment.
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