India's credit card truth platform

Your 5% cashback card
actually earns 2.8%.

Banks advertise headline rates. We calculate effective cashback after monthly caps, minimum transactions, and redemption rules.

75
Cards tracked
5
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What changed — April 2026
SBI Cashback cap cut · Axis Airtel downgraded · HDFC Swiggy card launched
View →

Best credit card for...

Online Shopping
Swiggy & Zomato
Amazon
Flipkart
No Annual Fee
Groceries
Fuel
Utility Bills
Travel
International
Under ₹500 Fee
Beginners

Popular comparisons

⚖️ Millennia vs ACE
⚖️ Millennia vs Amazon
⚖️ SBI vs Amazon
⚖️ Regalia vs Diners
⚖️ ACE vs Flipkart
All comparisons →

All 75 cards

75 cards
HDFC
HDFC Regalia
HDFC · ₹2,500/yr
✅
Best
1.33%
dining
Base
1.33%
Lounge
18/year
PremiumVisa/MC⚡ Has cap
Excellent lounge access (18/yr total)SmartBuy gives up to 13% on travel
HDFC
HDFC Infinia
HDFC · ₹12,500/yr
✅
Best
3.33%
dining
Base
3.33%
Lounge
Unlimited
Super PremiumVisa
Best all-round rate (3.33%)Unlimited lounge
HDFC
HDFC Millennia
HDFC · ₹1,000/yr
✅
Best
5%
dining
Base
1%
Lounge
Milestone-based (₹1L quarterly spend)
LifestyleVisa/MC⚡ Has cap
5% on Swiggy/Zomato/Amazon/FlipkartLow ₹1000 fee (waivable)
HDFC
HDFC Diners Black
HDFC · ₹10,000/yr
✅
Best
3.33%
dining
Base
3.33%
Lounge
Unlimited
Super PremiumDiners Club⚡ Has cap
3.33% on everythingUnlimited lounge access
HDFC
HDFC Swiggy Card
HDFC · ₹500/yr
✅
Best
10%
dining
Base
1%
Lounge
None
EntryMC⚡ Has cap
Best for Swiggy users (10%)5% on online categories
SBI
SBI SimplyCLICK
SBI · ₹499/yr
✅
Best
1.25%
online
Base
0.25%
Lounge
None
OnlineVisa/MC
2.5% on Swiggy/Cleartrip/Myntra/BookMyShow1.25% on all online
SBI
SBI Cashback Card
SBI · ₹999/yr
✅
Best
5%
online
Base
1%
Lounge
None
CashbackVisa⚡ Has cap
Simple 5% on all online spendsCashback auto-credited (no redemption hassle)
SBI
SBI Card ELITE
SBI · ₹4,999/yr
✅
Best
2.5%
dining
Base
0.5%
Lounge
14/year
PremiumVisa/MC/Amex
2.5% on dining/grocery/dept storesBookMyShow discount saves up to ₹200/month
ICICI
Amazon Pay ICICI
ICICI · Free
✅
Best
5%
online
Base
1%
Lounge
None
CashbackVisa
Best for Amazon shoppingLifetime free
ICICI
ICICI Coral
ICICI · ₹500/yr
✅
Best
0.5%
dining
Base
0.5%
Lounge
4/year (conditional)
Entry PremiumVisa/MC/RuPay
BookMyShow discount saves up to ₹200/monthLounge (conditional on ₹75K quarterly spend)
ICICI
ICICI Sapphiro
ICICI · ₹3,500/yr
✅
Best
0.5%
dining
Base
0.5%
Lounge
4 dom/qtr (conditional) + 2 intl/yr
PremiumVisa/MC/Amex
Golf privilegesConditional domestic + 2 international lounges/year
ICICI
ICICI Emeralde
ICICI · ₹12,000/yr
✅
Best
1%
dining
Base
1%
Lounge
Unlimited
Super PremiumVisa Infinite/Amex
Unlimited global lounge2% on international
Axis
Axis Flipkart
Axis · ₹500/yr
✅
Best
4%
dining
Base
1%
Lounge
None (discontinued Jun 2025)
CashbackVisa
Best for Flipkart ecosystem4% on Swiggy/dining
Axis
Axis ACE
Axis · ₹499/yr
✅
Best
5%
utilities
Base
1.5%
Lounge
4/year (₹50K quarterly spend req from Jun 2025)
CashbackVisa⚡ Has cap
5% on utility bills (rare)4% on food delivery
Axis
Axis Atlas
Axis · ₹5,000/yr
✅
Best
5%
travel
Base
2%
Lounge
Tier-based (4 intl Silver, 8 intl Gold)
TravelVisa Infinite
Best Indian travel rewards cardAirline mile transfers (6 partners)
AU Bank
AU LIT Credit Card
AU Bank · Free
✅
Best
5%
shopping
Base
1%
Lounge
Add-on
LifestyleVisa/RuPay
Choose your own reward categoriesLifetime free
AU Bank
AU Zenith+
AU Bank · ₹4,999/yr
✅
Best
1.25%
dining
Base
0.5%
Lounge
Unlimited
PremiumVisa Infinite
Unlimited lounge access2.5% on international spends
IDFC
IDFC FIRST WOW
IDFC · Free
✅
Best
0.66%
dining
Base
0.66%
Lounge
None
TravelVisa
Zero forex (rare for free card)Points never expire
IDFC
IDFC FIRST Select
IDFC · Free
✅
Best
1.5%
travel
Base
0.5%
Lounge
1 domestic/quarter (devalued April 2026)
Premium EntryVisa
Free card with lounge access5% on birthday month
OneCard
OneCard
OneCard · Free
✅
Best
0.2%
dining
Base
0.2%
Lounge
None
LifestyleVisa/MC
Metal card (premium feel)Low 1% forex markup
BOB
BOB Eterna
BOB · ₹2,499/yr
✅
Best
3.75%
dining
Base
0.75%
Lounge
18/year
PremiumVisa
Excellent 3.75% on dining/travel/online18 lounge visits
Kotak
Kotak 811 Dream
Kotak · Free
✅
Best
1%
online
Base
0.5%
Lounge
None
EntryVisa⚡ Has cap
Free forever1% online cashback
IndusInd
IndusInd Legend
IndusInd · Free
✅
Best
0.5%
entertainment
Base
0.25%
Lounge
Discontinued
LifestyleVisa Signature
Lifetime freeWeekend double points
YES Bank
YES Private Ace
YES Bank · ₹10,000/yr
✅
Best
0.75%
online
Base
0.5%
Lounge
Unlimited
Super PremiumVisa Infinite⚡ Has cap
Unlimited domestic + intl loungeHigher online rate
RBL
RBL ShopRite
RBL · ₹500/yr
✅
Best
5%
groceries
Base
0.25%
Lounge
None
CashbackVisa/MC⚡ Has cap
Best grocery rate (5%)5% fuel (very rare)
Axis
Axis Airtel Credit Card
Axis · ₹500/yr
Best
10%
dining
Base
1%
Lounge
None
CashbackVisa⚡ Has cap
Excellent for Airtel users10% on food delivery and groceries
Axis
Axis Cashback Credit Card
Axis · ₹1,000/yr
Best
7%
online
Base
0.75%
Lounge
None
CashbackVisa⚡ Has cap
High online cashback rateWelcome benefit offsets fee
Axis
Axis Horizon Credit Card
Axis · ₹3,000/yr
Best
5%
travel
Base
1%
Lounge
16/year
TravelVisa
Great for frequent flyersExcellent lounge access
Axis
Axis Magnus Credit Card
Axis · ₹12,500/yr
Best
5%
travel
Base
1.2%
Lounge
Unlimited
Super PremiumVisa⚡ Has cap
Airline mile transfers (20+ partners)Unlimited Priority Pass lounge
Axis
Axis MyZone Credit Card
Axis · ₹500/yr
Best
0.5%
dining
Base
0.5%
Lounge
1/quarter (conditional)
LifestyleVisa/MC
Wide range of partner discountsLow/free fee
Axis
Axis Neo Credit Card
Axis · ₹250/yr
Best
0.5%
dining
Base
0.5%
Lounge
None
EntryVisa
Very low feeGood partner discounts for young professionals
Axis
Axis Privilege Credit Card
Axis · ₹1,500/yr
Best
1%
dining
Base
1%
Lounge
8/year
PremiumVisa
Good welcome and milestone benefitsDecent lounge access (8/yr)
Axis
Axis IOCL Credit Card
Axis · ₹1,000/yr
Best
4%
fuel
Base
0.5%
Lounge
8/year
FuelVisa⚡ Has cap
Best Axis fuel cardUnlimited fuel surcharge waiver at IOCL
Axis
Flipkart Axis SuperCoin Credit Card
Axis · ₹500/yr
Best
5%
online
Base
1.5%
Lounge
None
ShoppingVisa⚡ Has cap
Good for Flipkart shoppers1.5% base is above average
HDFC
HDFC Swiggy BLCK Credit Card
HDFC · ₹1,499/yr
Best
10%
dining
Base
1%
Lounge
None
PremiumVisa⚡ Has cap
Highest Swiggy cashbackBroad 5% coverage on travel/online
HDFC
HDFC Tata Neu Plus Credit Card
HDFC · ₹499/yr
Best
7%
travel
Base
1%
Lounge
4/year (conditional)
LifestyleRuPay⚡ Has cap
Excellent for Tata shoppers (BigBasket, Croma, Westside)NeuCoins worth ₹1 each
HDFC
HDFC Tata Neu Infinity Credit Card
HDFC · ₹1,499/yr
Best
10%
travel
Base
1.5%
Lounge
8/year
PremiumRuPay
Highest Tata ecosystem rewardsBetter lounge access than Plus
HDFC
HDFC MoneyBack+ Credit Card
HDFC · ₹500/yr
Best
0.5%
dining
Base
0.5%
Lounge
None
EntryVisa/MC
Low fee waiver thresholdSimple reward structure
HDFC
HDFC Paytm Credit Card
HDFC · ₹500/yr
Best
1%
online
Base
0.5%
Lounge
None
CashbackVisa
Cashback directly to Paytm walletLow fee with easy waiver
HDFC
HDFC Freedom Credit Card
HDFC · ₹500/yr
Best
0.5%
dining
Base
0.5%
Lounge
None
EntryVisa/MC
Low annual feeEasy waiver at ₹50K spend
HDFC
HDFC PhonePe Ultimo Credit Card
HDFC · ₹2,999/yr
Best
1%
dining
Base
1%
Lounge
8/year
PremiumVisa
PhonePe ecosystem benefitsLounge access
ICICI
ICICI Rubyx Credit Card
ICICI · ₹5,000/yr
Best
0.5%
dining
Base
0.25%
Lounge
4/year
PremiumVisa/MC
Movie BOGODining discounts
ICICI
ICICI MakeMyTrip Credit Card
ICICI · ₹1,500/yr
Best
1.33%
travel
Base
0.33%
Lounge
8/year
TravelVisa
Good for MakeMyTrip usersDecent lounge access
ICICI
ICICI HPCL Super Saver Credit Card
ICICI · ₹1,000/yr
Best
2.5%
fuel
Base
0.25%
Lounge
8/year
FuelVisa⚡ Has cap
Good fuel savings at HPCLDecent lounge access
ICICI
ICICI HPCL Coral Credit Card
ICICI · ₹500/yr
Best
2%
fuel
Base
0.25%
Lounge
None
FuelVisa⚡ Has cap
Low feeFuel savings at HPCL
ICICI
ICICI Platinum Credit Card
ICICI · ₹299/yr
Best
0.25%
dining
Base
0.25%
Lounge
None
EntryVisa
Very low feeMay be offered lifetime free
SBI
SBI BPCL Octane Credit Card
SBI · ₹1,499/yr
Best
6.25%
fuel
Base
0.25%
Lounge
4/year
FuelVisa⚡ Has cap
Highest fuel reward rate among major bank cardsStrong dining/grocery rate
SBI
PhonePe SBI Select Black Credit Card
SBI · ₹1,999/yr
Best
1.25%
dining
Base
0.5%
Lounge
6/year
PremiumVisa
Decent rate across categoriesGood lounge access
SBI
SBI Tata Neu Infinity Credit Card
SBI · ₹1,499/yr
Best
5%
groceries
Base
1%
Lounge
8/year
LifestyleRuPay
Good for Tata shoppersNeuCoins worth ₹1 each
SBI
SBI Flipkart Credit Card
SBI · ₹999/yr
Best
5%
online
Base
0.25%
Lounge
None
ShoppingVisa⚡ Has cap
Good for Flipkart shoppersDecent fee with waiver
SBI
SBI Titan Credit Card
SBI · ₹999/yr
Best
10%
shopping
Base
0.25%
Lounge
None
ShoppingVisa⚡ Has cap
Excellent for Titan shoppers (Tanishq, Titan watches, etc.)
SBI
SBI SimplySAVE Credit Card
SBI · ₹499/yr
Best
2.5%
dining
Base
0.25%
Lounge
2/year
EntryVisa/MC⚡ Has cap
Good weekend dining rateLow fee
SBI
SBI IOCL Credit Card
SBI · ₹499/yr
Best
4%
fuel
Base
0.25%
Lounge
None
FuelVisa⚡ Has cap
Good fuel rate at IOCLVery low fee
BOB
BOB Premier Credit Card
BOB · ₹999/yr
Best
1%
dining
Base
0.5%
Lounge
4/year
PremiumVisa
Decent all-round rateGood lounge access for the fee
IDFC
IDFC FIRST Millennia Credit Card
IDFC · ₹499/yr
Best
2%
dining
Base
1%
Lounge
4/year
CashbackVisa⚡ Has cap
Simple 2% cashbackZero forex
IDFC
IDFC FIRST Ashva Credit Card
IDFC · ₹999/yr
Best
1%
dining
Base
0.5%
Lounge
8/year
PremiumVisa
Zero forex markupGood lounge access (8/yr)
IDFC
IDFC FIRST Power+ Credit Card
IDFC · ₹2,999/yr
Best
1.5%
dining
Base
0.75%
Lounge
12/year
PremiumVisa
1.5% flat on most categoriesZero forex
Federal Bank
Scapia Credit Card
Federal Bank · Free
Best
2%
dining
Base
2%
Lounge
Unlimited domestic (₹20K/mo spend req, no intl)
TravelVisa
No fee with excellent rewardsZero forex markup
HSBC
HSBC Live+ Credit Card
HSBC · ₹1,999/yr
Best
10%
dining
Base
1.5%
Lounge
4/year
LifestyleVisa⚡ Has cap
Exceptional dining/grocery rate (10%)Strong 1.5% base on everything else
HSBC
HSBC TravelOne Credit Card
HSBC · ₹2,999/yr
Best
1%
travel
Base
0.5%
Lounge
8/year
TravelVisa
Transferable travel pointsGood lounge access
HSBC
HSBC Platinum Credit Card
HSBC · ₹999/yr
Best
0.5%
dining
Base
0.25%
Lounge
2/year
PremiumVisa
Decent entry premium card from HSBCSome lounge access
HSBC
HSBC Cashback Credit Card
HSBC · ₹499/yr
Best
1.5%
dining
Base
1.5%
Lounge
None
CashbackVisa⚡ Has cap
Simple flat 1.5% on everythingLow fee with easy waiver
AU Bank
AU Xcite ACE Credit Card
AU Bank · Free
Best
2%
dining
Base
2%
Lounge
None
CashbackVisa⚡ Has cap
No fee with strong rewards2% base is excellent for a free card
AU Bank
AU Ixigo Credit Card
AU Bank · Free
Best
1.25%
dining
Base
1.25%
Lounge
17/year
TravelVisa⚡ Has cap
No fee with excellent perks17 lounge visits (16 domestic + 1 intl)
YES Bank
Kiwi YES Bank Credit Card
YES Bank · Free
Best
0.5%
dining
Base
0.5%
Lounge
None
CashbackVisa
Lifetime freeSimple flat reward structure
YES Bank
Uni YES Bank Credit Card
YES Bank · Free
Best
1%
dining
Base
1%
Lounge
None
CashbackVisa
Lifetime free1% cash value is real (₹1 each)
Slice
Slice Credit Card
Slice · Free
Best
0.4%
dining
Base
0.2%
Lounge
None
LifestyleVisa
Good app experienceInstant issuance
Unity SF
Roarbank Unity SF Credit Card
Unity SF · Free
Best
1%
dining
Base
1%
Lounge
None
EntryVisa
No feeSimple structure
CSB
CSB Edge Plus Credit Card
CSB · ₹999/yr
Best
0.5%
dining
Base
0.25%
Lounge
4/year
PremiumVisa
Decent from a smaller bankSome lounge access
RBL
RBL World Safari Credit Card
RBL · ₹1,999/yr
Best
1.5%
travel
Base
0.5%
Lounge
12/year
TravelVisa
Good travel rateExcellent lounge access (8 domestic + 4 intl)
Kotak
Kotak Zen Credit Card
Kotak · ₹1,999/yr
Best
1%
dining
Base
0.5%
Lounge
6/year
PremiumVisa/MC
Decent all-round rateGood lounge access
IndusInd
IndusInd Pinnacle Credit Card
IndusInd · ₹9,999/yr
Best
2%
travel
Base
0.5%
Lounge
18/year
Super PremiumVisa
Good travel rateExcellent lounge access (12 domestic + 6 intl)
StanC
Standard Chartered Ultimate Credit Card
StanC · ₹4,999/yr
Best
2.5%
travel
Base
0.75%
Lounge
18/year
Super PremiumVisa
Good travel rewardsExcellent lounge access
StanC
Standard Chartered Smart Credit Card
StanC · ₹999/yr
Best
5%
dining
Base
2%
Lounge
4/year
CashbackVisa⚡ Has cap
Strong weekend dining rate2% base is excellent
Amex
Amex Membership Rewards Credit Card
Amex · ₹1,000/yr
Best
2%
dining
Base
1%
Lounge
8/year
PremiumAmex
Excellent rewards with milestone bonusTransferable points to airlines/hotels

Browse by category

🆓
Best Free Cards
No annual fee, no catches
ICICI
Amazon Pay ICICI
Free
🏆
5 cards →
💰
Best Cashback
Highest effective cashback
HDFC
HDFC Swiggy Card
₹500
🏆
4 cards →
🍽️
Best for Dining
Restaurants, Swiggy, Zomato
HDFC
HDFC Swiggy Card
₹500
🏆
4 cards →
🛒
Best for Online
Amazon, Flipkart, Myntra
Axis
Axis Cashback Credit Card
₹1,000
🏆
4 cards →
✈️
Best for Travel
Flights, hotels, miles
HDFC
HDFC Tata Neu Infinity Credit Card
₹1,499
🏆
4 cards →
⛽
Best for Fuel
Petrol pumps, surcharge
SBI
SBI BPCL Octane Credit Card
₹1,499
🏆
4 cards →
🥦
Best for Groceries
BigBasket, Blinkit, stores
Axis
Axis Airtel Credit Card
₹500
🏆
4 cards →
💎
Best Premium
High fee, high rewards
HDFC
HDFC Infinia
₹12,500
🏆
4 cards →

The honest number on more than just credit cards

We calculate the gap between advertised and actual across every financial product.

Loans
8.5% → 9.35% after fees
Insurance
₹10L → ₹4.2L coverage
Savings & FDs
7.5% → 0.15% real return
Tax Planning
Old vs new regime math

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