Credit Card Comparison 2026

Find the Best Credit Card
for You

35 credit cards from 9 banks compared side-by-side. Real fees, real rewards — apply directly via CashKaro affiliate links.

Instant result • No credit check • 100% free
35
Cards compared
9
Banks covered
5
Lifetime free cards
₹0
Cost to compare

Compare Top Credit Cards

Filter by type or browse by bank. Every card links directly to CashKaro for instant application.

HDFC Bank 7 cards
HDFC Bank
HDFC Pixel Credit Card
Rewards
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
5% CashPoints on online spends
2% CashPoints on offline & utility spends
Best for online shoppers — 5% back on Myntra, Nykaa, Amazon
Zero forex markup on international transactions
No fee on add-on cards
HDFC Bank
HDFC RuPay Credit Card
Entry-Level
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
3 RP per ₹150 on all spends
Works on RuPay network — UPI credit card eligible
First RuPay credit card from HDFC — use on UPI apps
1 complimentary domestic lounge visit/quarter
Fuel surcharge waiver up to ₹250/month
HDFC Bank
HDFC Marriott Bonvoy Credit Card
Travel
₹3,000 + GST
Joining Fee
₹3,000 + GST
Annual Fee
Reward Rate
8 Bonvoy Points per ₹150 at Marriott
4 Bonvoy Points per ₹150 on all other spends
Marriott co-branded — best for Marriott loyalists
Free night award on joining + annual renewal
Complimentary Silver Elite Marriott Bonvoy status
HDFC Bank
HDFC Shoppers Stop Credit Card
Shopping
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
3X points on Shoppers Stop
2X points on partner stores; 1X on all other spends
Co-branded with Shoppers Stop — ideal for fashion shoppers
Complimentary Shoppers Stop membership upgrades
Welcome voucher worth ₹1,000 on joining
Popular
HDFC Bank
HDFC Swiggy Credit Card
Cashback
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
10% cashback on Swiggy
5% on online purchases; 1% on all other spends
Highest cashback on Swiggy orders — 10% back
Complimentary Swiggy One membership
4 domestic lounge visits/year
HDFC Bank
HDFC IRCTC Credit Card
Travel
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
5 RP per ₹100 on IRCTC
1 RP per ₹100 on all other spends
Best for rail travellers — 5X points on IRCTC bookings
4 complimentary railway lounge visits/year
1% transaction charge waiver on IRCTC bookings
HDFC Bank
HDFC Credit Card
Rewards
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
2 RP per ₹150 on all spends
Points redeemable for flights, hotels & cashback
Trusted HDFC brand — wide acceptance across India
EMI conversion on purchases above ₹2,500
Fuel surcharge waiver at all fuel stations
SBI Bank 10 cards
Top Pick
SBI Bank
SBI Tata Neu Infinity Credit Card
Cashback
₹1,499 + GST
Joining Fee
₹1,499 + GST
Annual Fee
Reward Rate
5% NeuCoins on Tata Neu App
1.5% NeuCoins on all other spends (1 NeuCoin = ₹1)
Up to 10% back on Tata brand spends (BigBasket, Croma, Air India)
4 domestic + 1 international lounge visit/year
No cap on NeuCoin earnings
SBI Bank
SBI Tata Neu Plus Credit Card
Cashback
₹499 + GST
Joining Fee
₹499 + GST
Annual Fee
Reward Rate
2% NeuCoins on Tata Neu App
1% NeuCoins on all other spends
Entry-level Tata Neu card — lower fee, good rewards
2 domestic lounge visits/year
Welcome NeuCoins on first transaction
Popular
SBI Bank
SBI Flipkart Credit Card
Cashback
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
5% cashback on Flipkart
4% on preferred partners; 1.5% everywhere else
Best cashback card for Flipkart shoppers — 5% back
Welcome gift voucher on card activation
4 complimentary domestic lounge visits/year
Best Fuel
SBI Bank
SBI BPCL Octane Credit Card
Fuel
₹1,499 + GST
Joining Fee
₹1,499 + GST
Annual Fee
Reward Rate
7.25% value back on BPCL fuel
6.25 RP per ₹100 at BPCL; 1 RP per ₹100 elsewhere
Best fuel card for BPCL customers — 7.25% value back
4 complimentary domestic lounge visits/year
1% fuel surcharge waiver
SBI Bank
SBI Simply Click Credit Card
Cashback
₹499 + GST
Joining Fee
₹499 + GST
Annual Fee
Reward Rate
10X points on Amazon, BookMyShow, Cleartrip
5X on all other online spends; 1X on offline
Ideal for online shoppers — 10X on top e-commerce sites
Annual fee waived easily at ₹1 lakh spend
eVoucher on joining and annual fee payment
SBI Bank
SBI Simply Save Credit Card
Entry-Level
₹499 + GST
Joining Fee
₹499 + GST
Annual Fee
Reward Rate
10X points on dining, movies, groceries
1X on all other spends
Great starter card — 10X points on everyday categories
Easy fee waiver at low spend threshold
Welcome gift voucher on activation
SBI Bank
SBI BPCL Credit Card
Fuel
₹499 + GST
Joining Fee
₹499 + GST
Annual Fee
Reward Rate
4.25% value back on BPCL fuel
13X points at BPCL; 1X on all other spends
Budget fuel card — 4.25% back at BPCL pumps
1% fuel surcharge waiver on all fuel transactions
Easy fee waiver at ₹50K annual spend
Best Value
SBI Bank
SBI Cashback Credit Card
Cashback
₹999 + GST
Joining Fee
₹999 + GST
Annual Fee
Reward Rate
5% cashback on online spends
1% cashback on offline spends — cashback auto-credited
Simple flat cashback — no points, no redemption hassle
5% on all online channels — no merchant restrictions
Cashback auto-credited to statement every month
Premium
SBI Bank
SBI Elite Credit Card
Rewards
₹4,999 + GST
Joining Fee
₹4,999 + GST
Annual Fee
Reward Rate
5 RP per ₹100 on dining, movies, groceries
2 RP per ₹100 on all other spends
Premium SBI card — complimentary Club Vistara Silver status
6 domestic + 6 international lounge visits/year
Welcome e-voucher worth ₹5,000 on joining
SBI Bank
SBI IRCTC Credit Card
Travel
₹500 + GST
Joining Fee
₹300 + GST
Annual Fee
Reward Rate
10% value back on IRCTC AC bookings
1 RP per ₹125 on all other spends
Best rail travel card — 10% back on IRCTC AC bookings
1% transaction surcharge waiver on IRCTC
4 railway lounge visits/year
IDFC First Bank 6 cards
IDFC First Bank
IDFC First Club Vistara Credit Card
Travel
₹4,999 + GST
Joining Fee
₹4,999 + GST
Annual Fee
Reward Rate
6 CV Points per ₹200 on Vistara
3 CV Points per ₹200 on all other spends
Earn Club Vistara points on every spend
Complimentary Business Class upgrade voucher on joining
8 domestic lounge visits/year
IDFC First Bank
IDFC First Mayura Credit Card
Rewards
₹1,499 + GST
Joining Fee
₹1,499 + GST
Annual Fee
Reward Rate
6X points on travel & dining
3X on online; 1X on all other spends
Strong points multiplier on travel and dining categories
4 domestic lounge visits/year
Zero forex markup on international transactions
Lifetime Free
IDFC First Bank
IDFC First SWYP Credit Card
Entry-Level
Nil
Joining Fee
Lifetime Free
Annual Fee
Reward Rate
10X points on online spends
3X on offline; never-expiring points
Zero fee lifetime card — designed for millennials
10X rewards on all online transactions
Cashback & voucher redemption options
Lifetime Free
IDFC First Bank
IDFC First Power Plus Credit Card
Fuel
Nil
Joining Fee
Lifetime Free
Annual Fee
Reward Rate
6.5% value back on HP fuel
5X on utility bills; 1X on all other spends
Best zero-fee fuel card — 6.5% back at HP petrol pumps
1% fuel surcharge waiver
Lifetime free — no annual fee ever
Top Pick
IDFC First Bank
IDFC First Credit Card
Rewards
Nil
Joining Fee
Lifetime Free
Annual Fee
Reward Rate
3X reward points up to ₹20,000/month
10X on birthday & spends above ₹20,000 — never expiry
Lifetime free with premium benefits — exceptional value
4 railway + 2 domestic lounge visits/quarter
Free trip cancellation insurance
IDFC First Bank
IDFC First Indigo Secured Credit Card
Travel
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
6E Rewards on IndiGo bookings
1 6E Reward per ₹100 on all other spends
Co-branded IndiGo card — earn 6E points on every booking
Complimentary seat upgrades on IndiGo flights
2 domestic lounge visits/year
Axis Bank 1 card
Axis Bank
Axis Credit Card
Rewards
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
2 EDGE Reward Points per ₹100
Points redeemable for cashback, travel & more
Trusted Axis brand — wide acceptance across India
Convert purchases above ₹2,500 to easy EMI
Fuel surcharge waiver on transactions ₹400–₹4,000
RBL Bank 3 cards
RBL Bank
RBL IRCTC Credit Card
Travel
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
10% value back on IRCTC bookings
1 RP per ₹100 on all other spends
Best RBL travel card — 10% back on IRCTC AC tickets
1% surcharge waiver on IRCTC transactions
4 railway lounge visits/year
RBL Bank
RBL Indian Oil XTRA Credit Card
Fuel
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
50 XTRA points per litre on Indian Oil
20 XTRA points per ₹100 on other spends
Co-branded with Indian Oil — ideal for IOC fuel buyers
1% surcharge waiver at Indian Oil outlets
4 domestic lounge visits/year
RBL Bank
RBL Shoprite Credit Card
Shopping
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
5X points on supermarket & departmental spends
2X on dining; 1X on all other spends
Best for grocery and supermarket shoppers
2 domestic lounge visits/year
Welcome bonus reward points on card activation
IndusInd Bank 2 cards
IndusInd Bank
IndusInd Credit Card
Rewards
₹999 + GST
Joining Fee
₹999 + GST
Annual Fee
Reward Rate
2 Reward Points per ₹100
Redeem for cashback, vouchers & merchandise
Steady earner — 2X points on all spends
2 domestic lounge visits/year
Fuel surcharge waiver on transactions
Premium
IndusInd Bank
IndusInd Legend Credit Card
Rewards
₹2,999 + GST
Joining Fee
₹2,999 + GST
Annual Fee
Reward Rate
1.5 RP per ₹100 — unlimited
Welcome bonus + milestone rewards at ₹3L annual spend
Premium IndusInd card — complimentary Golf privileges
6 domestic + 3 international lounge visits/year
Zero forex markup on international transactions
AU Small Finance Bank 3 cards
AU Small Finance Bank
AU Altura Credit Card
Cashback
₹199 + GST
Joining Fee
₹199 + GST
Annual Fee
Reward Rate
2% cashback on online spends
1% cashback on all other spends
Best entry-level AU card — very low annual fee
Cashback on all categories — no restrictions
Fuel surcharge waiver up to ₹100/month
AU Small Finance Bank
AU Altura Plus Credit Card
Cashback
₹499 + GST
Joining Fee
₹499 + GST
Annual Fee
Reward Rate
2% cashback on offline spends
1% cashback on all other spends; 1% fuel surcharge waiver
Strong offline cashback — 2% at physical stores
2 domestic lounge visits/year
Easy fee waiver at ₹1L annual spend
Lifetime Free
AU Small Finance Bank
AU LIT Credit Card
Rewards
Nil
Joining Fee
Lifetime Free
Annual Fee
Reward Rate
Customisable — choose 3 feature sets
Pick cashback, lounge, OTT or fuel benefits
Unique: choose your benefits every quarter
Lifetime free card — no annual fee
Flexible feature bundles — OTT, fuel, travel or cashback
Yes Bank 2 cards
Yes Bank
Yes Bank Ace Credit Card
Cashback
₹399 + GST
Joining Fee
₹399 + GST
Annual Fee
Reward Rate
5% cashback on top 3 spend categories
1% cashback on all other spends
Smart cashback — 5% on your top 3 spend categories
2 domestic lounge visits/year
Low annual fee with easy waiver
Lifetime Free
Yes Bank
Yes Bank Pop-Club Credit Card
Rewards
Nil
Joining Fee
Lifetime Free
Annual Fee
Reward Rate
12 YES Rewardz per ₹100 on dining
6 YES Rewardz per ₹100 on travel & entertainment
Best for food lovers — 12X on dining & food delivery
Lifetime free card
Exclusive LIVE entertainment & dining privileges
Bank of Baroda 1 card
Bank of Baroda
BOB Cashback Credit Card
Cashback
₹500 + GST
Joining Fee
₹500 + GST
Annual Fee
Reward Rate
5% cashback on online spends
1% cashback on offline spends — auto-credited monthly
Strong online cashback from a PSU bank
Cashback auto-credited — no redemption required
2 domestic lounge visits/year

Full Comparison Table

Every card side-by-side. Scroll right on mobile.

Card Joining Fee Annual Fee Reward Rate Key Benefit Category
HDFC Pixel Credit Card
HDFC Bank
 ₹500 + GST ₹500 + GST 5% CashPoints on online spends 2% CashPoints on offline & utility spends Rewards
HDFC RuPay Credit Card
HDFC Bank
 ₹500 + GST ₹500 + GST 3 RP per ₹150 on all spends Works on RuPay network — UPI credit card eligible Entry-Level
HDFC Marriott Bonvoy Credit Card
HDFC Bank
 ₹3,000 + GST ₹3,000 + GST 8 Bonvoy Points per ₹150 at Marriott 4 Bonvoy Points per ₹150 on all other spends Travel
HDFC Shoppers Stop Credit Card
HDFC Bank
 ₹500 + GST ₹500 + GST 3X points on Shoppers Stop 2X points on partner stores; 1X on all other spends Shopping
HDFC Swiggy Credit Card
HDFC Bank
 ₹500 + GST ₹500 + GST 10% cashback on Swiggy 5% on online purchases; 1% on all other spends Cashback
HDFC IRCTC Credit Card
HDFC Bank
 ₹500 + GST ₹500 + GST 5 RP per ₹100 on IRCTC 1 RP per ₹100 on all other spends Travel
HDFC Credit Card
HDFC Bank
 ₹500 + GST ₹500 + GST 2 RP per ₹150 on all spends Points redeemable for flights, hotels & cashback Rewards
SBI Tata Neu Infinity Credit Card
SBI Bank
 ₹1,499 + GST ₹1,499 + GST 5% NeuCoins on Tata Neu App 1.5% NeuCoins on all other spends (1 NeuCoin = ₹1) Cashback
SBI Tata Neu Plus Credit Card
SBI Bank
 ₹499 + GST ₹499 + GST 2% NeuCoins on Tata Neu App 1% NeuCoins on all other spends Cashback
SBI Flipkart Credit Card
SBI Bank
 ₹500 + GST ₹500 + GST 5% cashback on Flipkart 4% on preferred partners; 1.5% everywhere else Cashback
SBI BPCL Octane Credit Card
SBI Bank
 ₹1,499 + GST ₹1,499 + GST 7.25% value back on BPCL fuel 6.25 RP per ₹100 at BPCL; 1 RP per ₹100 elsewhere Fuel
SBI Simply Click Credit Card
SBI Bank
 ₹499 + GST ₹499 + GST 10X points on Amazon, BookMyShow, Cleartrip 5X on all other online spends; 1X on offline Cashback
SBI Simply Save Credit Card
SBI Bank
 ₹499 + GST ₹499 + GST 10X points on dining, movies, groceries 1X on all other spends Entry-Level
SBI BPCL Credit Card
SBI Bank
 ₹499 + GST ₹499 + GST 4.25% value back on BPCL fuel 13X points at BPCL; 1X on all other spends Fuel
SBI Cashback Credit Card
SBI Bank
 ₹999 + GST ₹999 + GST 5% cashback on online spends 1% cashback on offline spends — cashback auto-credited Cashback
SBI Elite Credit Card
SBI Bank
 ₹4,999 + GST ₹4,999 + GST 5 RP per ₹100 on dining, movies, groceries 2 RP per ₹100 on all other spends Rewards
SBI IRCTC Credit Card
SBI Bank
 ₹500 + GST ₹300 + GST 10% value back on IRCTC AC bookings 1 RP per ₹125 on all other spends Travel
IDFC First Club Vistara Credit Card
IDFC First Bank
 ₹4,999 + GST ₹4,999 + GST 6 CV Points per ₹200 on Vistara 3 CV Points per ₹200 on all other spends Travel
IDFC First Mayura Credit Card
IDFC First Bank
 ₹1,499 + GST ₹1,499 + GST 6X points on travel & dining 3X on online; 1X on all other spends Rewards
IDFC First SWYP Credit Card
IDFC First Bank
 Nil Lifetime Free 10X points on online spends 3X on offline; never-expiring points Entry-Level
IDFC First Power Plus Credit Card
IDFC First Bank
 Nil Lifetime Free 6.5% value back on HP fuel 5X on utility bills; 1X on all other spends Fuel
IDFC First Credit Card
IDFC First Bank
 Nil Lifetime Free 3X reward points up to ₹20,000/month 10X on birthday & spends above ₹20,000 — never expiry Rewards
IDFC First Indigo Secured Credit Card
IDFC First Bank
 ₹500 + GST ₹500 + GST 6E Rewards on IndiGo bookings 1 6E Reward per ₹100 on all other spends Travel
Axis Credit Card
Axis Bank
 ₹500 + GST ₹500 + GST 2 EDGE Reward Points per ₹100 Points redeemable for cashback, travel & more Rewards
RBL IRCTC Credit Card
RBL Bank
 ₹500 + GST ₹500 + GST 10% value back on IRCTC bookings 1 RP per ₹100 on all other spends Travel
RBL Indian Oil XTRA Credit Card
RBL Bank
 ₹500 + GST ₹500 + GST 50 XTRA points per litre on Indian Oil 20 XTRA points per ₹100 on other spends Fuel
RBL Shoprite Credit Card
RBL Bank
 ₹500 + GST ₹500 + GST 5X points on supermarket & departmental spends 2X on dining; 1X on all other spends Shopping
IndusInd Credit Card
IndusInd Bank
 ₹999 + GST ₹999 + GST 2 Reward Points per ₹100 Redeem for cashback, vouchers & merchandise Rewards
IndusInd Legend Credit Card
IndusInd Bank
 ₹2,999 + GST ₹2,999 + GST 1.5 RP per ₹100 — unlimited Welcome bonus + milestone rewards at ₹3L annual spend Rewards
AU Altura Credit Card
AU Small Finance Bank
 ₹199 + GST ₹199 + GST 2% cashback on online spends 1% cashback on all other spends Cashback
AU Altura Plus Credit Card
AU Small Finance Bank
 ₹499 + GST ₹499 + GST 2% cashback on offline spends 1% cashback on all other spends; 1% fuel surcharge waiver Cashback
AU LIT Credit Card
AU Small Finance Bank
 Nil Lifetime Free Customisable — choose 3 feature sets Pick cashback, lounge, OTT or fuel benefits Rewards
Yes Bank Ace Credit Card
Yes Bank
 ₹399 + GST ₹399 + GST 5% cashback on top 3 spend categories 1% cashback on all other spends Cashback
Yes Bank Pop-Club Credit Card
Yes Bank
 Nil Lifetime Free 12 YES Rewardz per ₹100 on dining 6 YES Rewardz per ₹100 on travel & entertainment Rewards
BOB Cashback Credit Card
Bank of Baroda
 ₹500 + GST ₹500 + GST 5% cashback on online spends 1% cashback on offline spends — auto-credited monthly Cashback

⚠️ 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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⚠️ Card eligibility is indicative only. Final approval is at the bank’s discretion. Not financial advice.

Which Type is Right for You?

Choose based on where you spend the most — not what's advertised the most.

⭐
Rewards Cards

Earn reward points on every rupee spent, redeemable for flights, merchandise, or statement credit. Best for salaried professionals who spend across categories.

Examples: HDFC Credit Card, IDFC First Credit Card, SBI Elite
✈️
Travel Cards

Earn air miles and get complimentary airport lounge access. Built for frequent flyers who can maximize value from airline and hotel partner programs.

Examples: HDFC Marriott Bonvoy, SBI IRCTC, IDFC First Club Vistara
⛽
Fuel Cards

Earn accelerated rewards or surcharge waivers on fuel spends. Best if you spend ₹3,000+ per month on fuel at petrol pumps.

Examples: SBI BPCL Octane, IDFC First Power Plus, RBL Indian Oil XTRA
💰
Cashback Cards

Get direct cashback credited to your statement — no points conversion, no redemption complexity. Best for simplicity and guaranteed value.

Examples: SBI Cashback, HDFC Swiggy, SBI Flipkart, BOB Cashback
🎓
Entry-Level Cards

Low or zero fees, easier approval criteria. Perfect for first-time credit card users building their credit history.

Examples: IDFC First SWYP, HDFC RuPay, SBI Simply Save
🛍️
Shopping Cards

Earn extra points at supermarkets, fashion stores, and partner brands. Ideal if retail shopping is your biggest spend category.

Examples: HDFC Shoppers Stop, RBL Shoprite

Learn Before You Apply

Guides written for salaried Indians — not just generic credit card advice.

Guide
Best Credit Cards for Salaried Employees in India (2026)
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