💳 Card Directory
Best Credit Cards in India 2026
25 cards with real cashback math. Browse by category or search. Click any card for full details.
25 cards
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 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 Millennia
HDFC · ₹1,000/yr
Best
5%
dining
Base
1%
Lounge
4/year
LifestyleVisa/MC⚡ Has cap
5% on Swiggy/Zomato/Amazon/FlipkartLow ₹1000 fee (waivable)
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 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 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 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 Card ELITE
SBI · ₹4,999/yr
Best
2.5%
dining
Base
1%
Lounge
14/year
PremiumVisa/MC/Amex
2.5% on dining/grocery/dept storesMovie BOGO excellent value
Amazon Pay ICICI
ICICI · Free
Best
5%
online
Base
1%
Lounge
None
CashbackVisa
Best for Amazon shoppingLifetime free
ICICI Coral
ICICI · ₹500/yr
Best
0.5%
dining
Base
0.5%
Lounge
8/year
Entry PremiumVisa/MC/RuPay/Amex
Movie BOGO excellent value8 total lounge visits
ICICI Sapphiro
ICICI · ₹3,500/yr
Best
0.5%
dining
Base
0.5%
Lounge
6/year
PremiumVisa/MC/Amex
Golf privilegesDecent lounge access
ICICI Emeralde
ICICI · ₹12,000/yr
Best
1%
dining
Base
1%
Lounge
Unlimited
Super PremiumVisa Infinite/Amex
Unlimited global lounge2% on international
Axis Flipkart
Axis · ₹500/yr
Best
4%
dining
Base
1%
Lounge
4/year
CashbackVisa
Best for Flipkart ecosystem4% on Swiggy/dining
Axis ACE
Axis · ₹499/yr
Best
5%
utilities
Base
1.5%
Lounge
4/year
CashbackVisa⚡ Has cap
5% on utility bills (rare)4% on food delivery
Axis Atlas
Axis · ₹5,000/yr
Best
5%
travel
Base
2%
Lounge
18/year
TravelVisa Infinite
Best Indian travel rewards cardAirline mile transfers (6 partners)
AU LIT Credit Card
AU Bank · Free
Best
5%
shopping
Base
1%
Lounge
Add-on
LifestyleVisa/RuPay
Choose your own reward categoriesLifetime free
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 FIRST WOW
IDFC · Free
Best
0.66%
dining
Base
0.66%
Lounge
None
TravelVisa
Zero forex (rare for free card)Points never expire
IDFC FIRST Select
IDFC · Free
Best
1.5%
travel
Base
0.5%
Lounge
4/year
Premium EntryVisa
Free card with lounge access5% on birthday month
OneCard
OneCard · Free
Best
1%
fuel
Base
0.2%
Lounge
None
LifestyleVisa/MC
Metal card (premium feel)Auto-optimizes for your spending
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 811 Dream
Kotak · Free
Best
1%
online
Base
0.5%
Lounge
None
EntryVisa⚡ Has cap
Free forever1% online cashback
IndusInd Legend
IndusInd · Free
Best
0.5%
entertainment
Base
0.25%
Lounge
Discontinued
LifestyleVisa Signature
Lifetime freeWeekend double points
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 ShopRite
RBL · ₹500/yr
Best
5%
groceries
Base
0.25%
Lounge
None
CashbackVisa/MC⚡ Has cap
Best grocery rate (5%)5% fuel (very rare)
Browse by category
🆓
Best Free Cards
No annual fee, no catches
Amazon Pay ICICI
Free
5 cards →
💰
Best Cashback
Highest effective cashback
HDFC Swiggy Card
₹500
4 cards →
🍽️
Best for Dining
Restaurants, Swiggy, Zomato
HDFC Swiggy Card
₹500
4 cards →
🛒
Best for Online
Amazon, Flipkart, Myntra
HDFC Millennia
₹1,000
4 cards →
✈️
Best for Travel
Flights, hotels, miles
Axis Atlas
₹5,000
4 cards →
⛽
Best for Fuel
Petrol pumps, surcharge
RBL ShopRite
₹500
2 cards →
🥦
Best for Groceries
BigBasket, Blinkit, stores
RBL ShopRite
₹500
4 cards →
💎
Best Premium
High fee, high rewards
HDFC Infinia
₹12,500
4 cards →
Not sure which card is best for you?
Smart Swipe Guide calculates your real savings with cap-aware math.
Try Smart Swipe →