1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹16,620* a year
Lounge visits a year: 2 domestic, 1 international · From 1 September 2026: 2 domestic visits a year, limited to one every 6 calendar months, and 1 international visit a year.
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
2. PhonePe SBI Card SELECT BLACK
Annual fee ₹1,499 · Rewards up to 10% · You keep ₹6,120* a year
Lounge visits a year: 4 domestic · 4 domestic airport lounge visits a year, 1 per quarter, with no spend condition. You also get a free Priority Pass membership for 2 years, but SBI Card's terms do not list free international visits, so each visit costs up to US $27 plus GST.
PhonePe SBI Card SELECT BLACK is the higher variant: it gives 10 points per ₹100 on PhonePe app bills and travel (PURPLE gives 3) and 5 points on other online spends, where 1 point equals ₹1. It costs ₹1,499 a year, waived on ₹3 lakh of spends, and adds 4 domestic lounge visits that PURPLE does not have.
- 10% on PhonePe
- 5% on online shopping
- 1% on other spends
3. Axis Bank ACE Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹5,400* a year
Lounge visits a year: 4 domestic
The Axis Bank ACE Credit Card gives 5% cashback on bills and recharges paid through Google Pay, and 4% on Swiggy, Zomato and Ola, with a shared limit of ₹500 per statement. Other eligible spends earn 1.5% with no limit.
- 5% on Google Pay bills
- 4% on Swiggy, Zomato
- 4% on Ola
- 1.5% on other spends
4. Tata Neu Infinity HDFC Bank Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹5,400* a year
Lounge visits a year: 8 domestic, 4 international
The Tata Neu Infinity HDFC Bank Credit Card gives 5% back as NeuCoins on Tata Neu and partner Tata brands, and 1.5% on most other spends. NeuCoins are worth ₹1 each but can be used only on Tata Neu and eligible Tata brands.
- 5% on Tata Neu brands
- 1.5% on other spends
- SBI CardTata Neu Infinity SBIVISA
5. Tata Neu Infinity SBI Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹5,400* a year
Lounge visits a year: 8 domestic, 4 international
The Tata Neu Infinity SBI Credit Card gives 5% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1.5% on other eligible spends. 1 NeuCoin equals ₹1 of savings.
- 5% on Tata Neu brands
- 5% on BigBasket
- 1.5% on bills and utilities
- 1.5% on other spends
6. Standard Chartered Ultimate Credit Card
Annual fee ₹5,000 · Rewards up to 3.33% · You keep ₹4,971* a year
Lounge visits a year: 16 domestic, 12 international · 4 free domestic lounge visits a calendar quarter in India with the card. Priority Pass gives 1 free visit a month at lounges outside India, but only if you spent more than ₹20,000 on the card in the previous month. Using Priority Pass at lounges in India is charged.
The Standard Chartered Ultimate Credit Card pays a flat 5 reward points per ₹150, with each point worth ₹1, which is about 3.3% back on most spends. The ₹5,000 fee comes back as 5,000 points each year, and you also get golf, lounge visits and a 2% forex markup.
- 2% on bills and utilities
- 2% on groceries
- 3.33% on other spends
7. Titan SBI Card
Annual fee ₹2,999 · Rewards up to 7.5% · You keep ₹4,860* a year
Lounge visits a year: 4 international · SBI Card's terms give the primary cardholder a Priority Pass membership with 4 complimentary lounge visits a year outside India. Lounges in India are not free with the pass and cost USD 27 a visit.
The Titan SBI Card pays back 7.5% at Titan watch, eyewear and fashion stores, 5% at Mia, CaratLane and Zoya, and 3% as vouchers at Tanishq, all as points worth ₹0.25 each. It suits families who buy jewellery and watches from Titan brands, since points can only become Titan vouchers.
- 7.5% on Titan
- 5% on CaratLane, Mia, Zoya
- 3% on Tanishq
- 1.5% on other spends
8. HSBC RuPay Cashback Credit Card
Annual fee ₹499 · Rewards up to 10% · You keep ₹4,800* a year
Lounge visits a year: 8 domestic, 2 international · HSBC's card page gives up to 2 domestic visits a quarter and 2 international visits a year. The older service guide lists 4 visits a year, so check the current terms before you travel.
The HSBC RuPay Cashback Credit Card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, up to ₹400 a month, and works on UPI. The ₹499 fee is waived on ₹2 lakh of yearly spends.
- 10% on dining and food delivery
- 10% on groceries
- 1% on other spends
9. BOBCARD Premier Credit Card
Annual fee ₹1,000 · Rewards up to 2.5% · You keep ₹4,440* a year
Lounge visits a year: 4 domestic · 1 domestic lounge visit per calendar quarter. You must have spent ₹20,000 in the previous calendar quarter. The spend condition is waived in the quarter your new card is issued.
The BOBCARD Premier Credit Card gives 10 reward points per ₹100 on travel, dining and international spends, up to 2,000 points per statement cycle, and 2 points on other spends. It adds one domestic lounge visit each quarter.
- 2.5% on travel
- 2.5% on dining and food delivery
- 0.5% on other spends
- IndusInd BankIndusInd Bank Pinnacle Worldmastercard
10. IndusInd Bank Pinnacle World Credit Card
Annual fee Free · Rewards up to 1.88% · You keep ₹3,870* a year
Lounge visits a year: 4 domestic, 4 international · 1 domestic lounge visit a quarter with the card, and 1 international visit a quarter through Priority Pass. From the July 2026 quarter, domestic visits depend on a spend condition tracked from 1 April 2026.
The IndusInd Bank Pinnacle World Credit Card earns 2.5 reward points per ₹100 on online shopping, worth ₹0.75 each (about 1.9% back), with 4 domestic and 4 international lounge visits a year. It has no annual fee after the joining fee.
- 1.88% on online shopping
- 1.13% on travel
- 0.75% on other spends
11. SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹3,720* a year
Lounge visits a year: 4 international · 4 international lounge visits a year through a free Priority Pass, at most 2 a quarter, for the primary cardholder. SBI Card's older brochure also lists 2 domestic visits a quarter, but the current terms booklet does not confirm it, so we do not count them.
SBI Card PRIME gives 10 reward points per ₹100 (about 2.5% back) on dining, groceries, departmental stores and movies, with milestone vouchers and 4 international lounge visits. The ₹2,999 fee is waived on ₹3 lakh of yearly spends.
- 2.5% on dining and food delivery
- 2.5% on groceries
- 0.5% on other spends
12. DCB novio Credit Card
Annual fee Free · Rewards up to 2% · You keep ₹3,600* a year
Lounge visits a year: 4 domestic
The DCB novio Credit Card is a RuPay credit card issued by DCB Bank against a fixed deposit (FD), sold through the novio app. It has no joining or annual fee, and the credit limit is 90% of the linked deposit.
- 2% on novio UPI
- 1% on other spends
13. Fibe Axis Bank Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹3,600* a year
Lounge visits a year: 4 domestic · 1 visit each calendar quarter to select lounges in India, if you spent ₹50,000 or more in the previous 3 calendar months.
The Fibe Axis Bank Credit Card is a lifetime free RuPay card, made with the lending app Fibe for its existing customers, that pays 3% cashback on online food delivery, entertainment and local commute. Other eligible spends, including larger UPI payments, earn 1%, with all cashback capped at ₹1,500 a statement.
- 1% on other spends
14. HDFC Bank Diners Club Privilege Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹3,600* a year
Lounge visits a year: 8 domestic, 4 international · From 1 July 2026: 2 domestic and 1 international lounge vouchers each calendar quarter, only if you spent ₹60,000 or more in the quarter before.
The HDFC Bank Diners Club Privilege Credit Card suits people who order food online and travel now and then. It gives 5X reward points on Swiggy and Zomato, 4 points per ₹200 on other spends, and lounge visits on a quarterly spend condition.
- 5% on Swiggy, Zomato
- 1% on other spends
15. MakeMyTrip ICICI Bank Credit Card
Annual fee ₹999 · Rewards up to 6% · You keep ₹3,600* a year
Lounge visits a year: 8 domestic, 1 international · 2 domestic lounge visits each quarter if you spent ₹75,000 or more in the previous quarter, and 1 international visit a calendar year with Priority Pass. Primary cardholder only.
The MakeMyTrip ICICI Bank Credit Card pays up to 6% back as myCash on MakeMyTrip hotels and 3% on flights, and from 10 November 2026 it charges no markup on foreign currency spends. Both a Mastercard and a RuPay card are issued, so you can also pay by UPI.
- 3% on MakeMyTrip
- 1% on other spends
16. Tata Neu Plus HDFC Bank Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹3,600* a year
Lounge visits a year: 4 domestic · 1 domestic lounge voucher per calendar quarter, only if you spend ₹50,000 or more in that quarter. Claim within 120 days and use within 180 days. No international lounge benefit is listed.
The Tata Neu Plus HDFC Bank Credit Card gives 2% back as NeuCoins at partner Tata brands and 1% on other spends. NeuCoins are worth ₹1 each on Tata Neu and eligible Tata brands.
- 2% on Tata Neu brands
- 1% on groceries
- 1% on bills and utilities
- 1% on other spends
- SBI CardTata Neu Plus SBIVISA
17. Tata Neu Plus SBI Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹3,600* a year
Lounge visits a year: 4 domestic · 4 domestic airport lounge visits a year, 1 per quarter, if you spent ₹50,000 in the previous calendar quarter.
The Tata Neu Plus SBI Credit Card gives 2% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1% on other eligible spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2% on Tata Neu brands
- 2% on BigBasket
- 1% on bills and utilities
- 1% on other spends
18. Axis Bank Atlas Credit Card
Annual fee ₹5,000 · Rewards up to 5% · You keep ₹3,460* a year
Lounge visits a year: 8 domestic, 4 international · Silver tier: 8 domestic and 4 international visits a year, including guests. Gold tier gives 12 and 6, and Platinum gives 18 and 12.
The Axis Bank Atlas Credit Card earns 5 EDGE Miles per ₹100 on direct flight and hotel bookings and 2 on other spends, with 1 mile worth ₹1 on Travel EDGE or transferable to airline partners. It suits frequent flyers who spend ₹3 lakh or more a year.
- 5% on travel
- 2% on other spends
19. LIC Axis Bank Signature Credit Card
Annual fee Free · Rewards up to 1.9% · You keep ₹3,420* a year
Lounge visits a year: 8 domestic · 8 complimentary visits a calendar year at select domestic airport lounges.
The LIC Axis Bank Signature Credit Card is lifetime free, earns 2 reward points per ₹100 on LIC premiums and foreign spends and 1 point elsewhere, and gives 8 domestic lounge visits a year.
- 1.9% on LIC premium
- 0.95% on other spends
20. Kotak Air Credit Card
Annual fee ₹999 · Rewards up to 3% · You keep ₹3,240* a year
Lounge visits a year: 4 domestic · 4 domestic lounge visits a year for the primary cardholder, at most 2 a quarter. You need ₹60,000 of spends in the previous calendar quarter. A ₹2 validation charge applies.
The Kotak Air Credit Card earns 1 Air Mile per ₹100 on most spends and 3 per ₹100 on flights and hotels booked through Kotak Unbox, where 1 mile is worth ₹1. It gives 1,000 bonus miles a year and 4 domestic lounge visits with a spend condition.
- 3% on Kotak Unbox travel
- 1% on other spends
21. Axis Bank Horizon Credit Card
Annual fee ₹3,000 · Rewards up to 5% · You keep ₹2,940* a year
Lounge visits a year: 8 international · 2 international lounge visits each calendar quarter. Axis Bank's page also lists domestic visits that differ for Visa and Mastercard cards, so they are not counted here.
The Axis Bank Horizon Credit Card suits people who book flights often. It gives 5 EDGE Miles per ₹100 on airlines and Travel EDGE, 2 on other spends, and international lounge visits each quarter.
- 2% on other spends
22. Kotak Air+ Credit Card
Annual fee ₹3,000 · Rewards up to 5% · You keep ₹2,940* a year
Lounge visits a year: 4 domestic, 2 international · 4 domestic lounge visits a calendar year, at most 2 a quarter, and 2 international visits a year through Priority Pass, for the primary cardholder only. A ₹2 validation charge applies in India and a $1 charge abroad, which is reversed.
The Kotak Air+ Credit Card earns 2 Air Miles per ₹100 on most spends and 5 per ₹100 on flights and hotels booked through Kotak Unbox, where 1 mile is worth ₹1. It suits travellers who book through Kotak Unbox, with 2,500 bonus miles a year, a 2% forex markup and 6 lounge visits.
- 5% on Kotak Unbox travel
- 2% on other spends
23. IndusInd Bank Tiger Credit Card
Annual fee Free · Rewards up to 2.4% · You keep ₹2,928* a year
Lounge visits a year: 8 domestic, 2 international · 2 domestic lounge visits a quarter with the card, and 2 international visits a year through Priority Pass.
The IndusInd Bank Tiger Credit Card is lifetime free, with reward points that rise from 1 to 6 per ₹100 as your yearly spend grows, a 1.5% forex markup, and 8 domestic and 2 international lounge visits a year.
- 0.4% on other spends
- 0.8% on spends above ₹1,00,000 a year
- 1.6% on spends above ₹2,50,000 a year
- 2.4% on spends above ₹5,00,000 a year
24. Reliance SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹2,880* a year
Lounge visits a year: 4 international · 4 international lounge visits a year through a free Priority Pass, at most 2 a quarter, for the primary cardholder. The card is in SBI Card's domestic lounge programme, but the documents we checked do not give the current number of domestic visits, so we do not count them.
Reliance SBI Card PRIME pays 20 points per ₹100 (5% back) at AJIO and JioMart and 10 points (2.5%) at Reliance Retail stores, but points turn only into Reliance Retail vouchers. It suits families who shop mostly in the Reliance group and spend ₹3 lakh a year to waive the ₹2,999 fee.
- 5% on Reliance Retail
- 2.5% on Reliance Retail
- 1.25% on dining and food delivery
- 1.25% on travel
25. HPCL FIRST Power+ Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹2,580* a year
Lounge visits a year: 4 domestic · 1 domestic airport lounge visit a quarter, on minimum monthly spends of ₹20,000.
The HPCL FIRST Power+ Credit Card gives 5% back as reward points on HPCL fuel, grocery, utility bills and IDFC FIRST FASTag, plus 1.5% more on HPCL fuel paid through the HP Pay app. It costs ₹499 a year, reversed on ₹1.5 lakh of yearly spends.
- 5% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
26. ICICI Bank HPCL Super Saver Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹2,580* a year
Lounge visits a year: 4 domestic · 1 domestic airport lounge visit each calendar quarter, for the primary cardholder, if you spent ₹75,000 or more in the previous quarter.
The ICICI Bank HPCL Super Saver Credit Card is the higher of ICICI Bank's two HPCL cards: 4% cashback on HPCL fuel (up to ₹200 a month) plus 5% back as points on groceries, utility bills and department stores. It also adds roadside assistance and a quarterly lounge visit, which the cheaper HPCL Coral card does not have.
- 4% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
27. IDFC FIRST Select Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹2,520* a year
Lounge visits a year: 4 domestic
The IDFC FIRST Select Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It also gives domestic airport and railway lounge visits, based on spends, and zero forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
28. IDFC FIRST Wealth Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹2,520* a year
Lounge visits a year: 4 domestic, 4 international · 1 domestic and 1 international airport lounge visit each quarter. Also 4 visits a year to lounges at select railway stations.
The IDFC FIRST Wealth Credit Card is a lifetime free premium card. It gives 10 reward points per ₹200 on dining, travel and international spends, 3 on other spends, and lounge visits each quarter.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
29. HSBC TravelOne Credit Card
Annual fee ₹4,999 · Rewards up to 4% · You keep ₹2,501* a year
Lounge visits a year: 6 domestic, 4 international · 6 domestic and 4 international airport lounge visits a year, shared by the primary and add-on cardholders.
The HSBC TravelOne Credit Card earns 2 reward points per ₹100, and 4 on flights, travel bookings and foreign currency spends. Points move 1 to 1 to airline and hotel partners, and the card gives 6 domestic and 4 international lounge visits. The ₹4,999 fee is waived on ₹8 lakh of yearly spends.
- 4% on travel
- 2% on other spends
30. IDFC First Bank Ashva Metal Credit Card
Annual fee ₹1,000 · Rewards up to 1.67% · You keep ₹2,279* a year
Lounge visits a year: 16 domestic, 8 international · 4 domestic visits and 2 international visits each quarter.
The IDFC FIRST Ashva Credit Card is a metal travel card with a modest fee. It earns 5 reward points per ₹150, 10 above ₹20,000 a month, and gives 4 domestic and 2 international lounge visits each quarter.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
31. IDFC FIRST WOW! Black Credit Card
Annual fee ₹750 · Rewards up to 0.67% · You keep ₹2,223* a year
Lounge visits a year: 4 domestic · 1 domestic airport lounge visit a quarter. To use it next month, spend ₹20,000 in the current calendar month.
The IDFC FIRST WOW! Black Credit Card is issued against a fixed deposit from ₹20,000. It has zero foreign currency markup, reward points that never expire, and 1 domestic lounge visit a quarter.
- 0.17% on bills and utilities
- 0.67% on other spends
32. EaseMyTrip Standard Chartered Credit Card
Annual fee ₹350 · Rewards up to 2.5% · You keep ₹1,800* a year
Lounge visits a year: 2 domestic · 2 free domestic airport lounge visits a calendar year. Free international lounge access ended on 15 October 2024.
The EaseMyTrip Standard Chartered Credit Card is a low-fee travel card that cuts EaseMyTrip bookings by up to 20% on hotels and 10% on flights. It also earns 10 points per ₹100 when you book directly with an airline or hotel.
- 0.5% on other spends
- HDFC BankHDFC Bank BizPowerVISA
33. HDFC Bank BizPower Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹1,550* a year
Lounge visits a year: 8 domestic, 6 international · 2 domestic lounge visits a calendar quarter when you spent ₹75,000 or more in the previous quarter, from July 2026. 6 international visits a year through Priority Pass.
The HDFC Bank BizPower Credit Card is a business card that earns 5 reward points per ₹200, and up to 5X on tax, GST, bill, ads and business travel payments once you spend ₹25,000 in a cycle. It suits business owners with ₹12 lakh or more in yearly income who can use points on SmartBuy travel.
- 1.25% on groceries
- 1.25% on bills and utilities
- 1.25% on other spends
34. HDFC Bank Regalia Gold Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹1,550* a year
Lounge visits a year: 12 domestic, 6 international · 3 lounge visits in India each calendar quarter, only if you spent ₹60,000 or more in the quarter before. This rule applies from 1 July 2026. 6 visits outside India each calendar year with Priority Pass.
The HDFC Bank Regalia Gold Credit Card suits people who travel and spend ₹4 lakh or more a year. It gives 5 reward points per ₹200, a 2% forex markup and lounge visits in India and abroad.
- 6.25% on Myntra, Nykaa, Reliance Digital, Marks & Spencer
- 1.25% on groceries
- 1.25% on other spends
35. Axis Privilege Amex Credit Card
Annual fee ₹1,500 · Rewards up to 1% · You keep ₹1,470* a year
Lounge visits a year: 8 domestic · 2 complimentary domestic lounge visits per calendar quarter, which is 8 a year. You must spend ₹50,000 in the previous 3 months. The bank's lounge programme lists the Privilege card without naming networks, so check the Amex variant before you rely on it.
The Axis Privilege Amex Credit Card is an American Express card from Axis Bank. It gives 5 EDGE REWARD points per ₹100, a ₹2,500 welcome benefit and 8 domestic lounge visits a year.
- 1% on other spends
36. Axis Bank Rewards Credit Card
Annual fee ₹1,000 · Rewards up to 3.2% · You keep ₹1,037* a year
Lounge visits a year: 8 domestic · 2 domestic lounge visits each quarter, on spends of ₹50,000 in the previous 3 calendar months.
The Axis Bank Rewards Credit Card suits people who shop for clothes and at department stores. It gives 10X points there, up to ₹7,000 a month, plus a monthly milestone of 1,500 points on ₹30,000 of spends.
- 0.32% on other spends
37. Shoppers Stop Black HDFC Bank Credit Card
Annual fee ₹4,500 · Rewards up to 7% · You keep ₹930* a year
Lounge visits a year: 16 domestic, 8 international · 4 domestic visits a quarter and 2 international visits a quarter, per calendar year.
The Shoppers Stop Black HDFC Bank Credit Card gives 7% back as reward points at Shoppers Stop and 2% on other spends, worth ₹1 a point on Shoppers Stop vouchers, with 24 lounge visits a year. It suits big Shoppers Stop spenders who can use the ₹4,500 yearly fee's worth of benefits.
- 7% on Shoppers Stop
- 2% on other spends
38. Axis My Zone Credit Card
Annual fee ₹500 · Rewards up to 0.4% · You keep ₹706* a year
Lounge visits a year: 4 domestic · 1 domestic lounge visit per calendar quarter, only if you spent ₹50,000 in the previous 3 calendar months. For a new card, this condition is waived in the month of issue and the next 3 months.
The Axis My Zone Credit Card suits people who want entertainment and food offers. It gives 4 EDGE Reward points per ₹200, buy one get one movie tickets on District, and ₹120 off on Swiggy.
- 0.4% on other spends
39. Axis Bank SELECT Credit Card
Annual fee ₹3,000 · Rewards up to 2% · You keep ₹180* a year
Lounge visits a year: 8 domestic, 6 international · 2 domestic visits each quarter, on spends of ₹50,000 in the previous 3 months. Priority Pass for international lounges, with up to 12 visits a year: 6 more are unlocked on a yearly spend milestone, which is not counted here.
The Axis Bank SELECT Credit Card suits people who spend steadily and travel abroad. It gives 10 EDGE Reward points per ₹200, double on retail shopping up to ₹20,000 a month, and lounge access in India and abroad.
- 2% on groceries
- 1% on other spends
40. SBI MILES Credit Card
Annual fee ₹1,499 · Rewards up to 0.5%
Lounge visits a year: 8 domestic · SBI Card's terms give complimentary Priority Pass lounge visits in India as spend-based vouchers: one visit for every ₹1 lakh spent, up to 8 visits in a membership year. This card has no complimentary lounge visits outside India. Visits beyond the free ones cost up to USD 27 plus tax. Only the primary cardholder gets the benefit, and lounge entry needs a same-day air ticket.
The SBI MILES Credit Card earns Travel Credits that you can move to airline miles and hotel points. It gives 1 Travel Credit per ₹100 on travel spends and 0.5 on other spends.
- 0.5% on travel
- 0.25% on other spends
- SBI CardSBI MILES PRIMEmastercard
41. SBI MILES PRIME Credit Card
Annual fee ₹2,999 · Rewards up to 1%
Lounge visits a year: 12 domestic, 4 international · SBI Card's terms give complimentary Priority Pass lounge visits in India as spend-based vouchers: one visit for every ₹1 lakh spent, up to 12 visits in a membership year. It also gives 4 complimentary Priority Pass visits outside India a year. Visits beyond the free ones cost up to USD 27 plus tax. Only the primary cardholder gets the benefit, and lounge entry needs a same-day air ticket.
The SBI MILES PRIME Credit Card gives 2 Travel Credits per ₹100 on travel spends and 1 on other spends, which you can move to airline miles and hotel points. It also gives spend-based domestic lounge visits and 4 visits outside India.
- 1% on travel
- 0.5% on other spends
42. Kotak White Credit Card
Annual fee ₹3,000 · Rewards up to 2.67%
Lounge visits a year: 8 domestic, 4 international · Priority Pass membership with 4 free international lounge visits a year. From 1 April 2026, 2 domestic lounge visits a quarter need ₹1 lakh of spends in the previous calendar quarter. Visits are for the primary cardholder only; guests and extra visits cost USD 35 each.
The Kotak White Credit Card pays rewards as spend milestones instead of points on each purchase, worth up to ₹27,000 a year once you spend ₹12 lakh. It suits high spenders who travel, with a Priority Pass and 4 free international lounge visits a year.
- 0% on other spends
- 1% on spends above ₹2,00,000 a year
- 2% on spends above ₹4,00,000 a year
- 2.33% on spends above ₹9,00,000 a year
43. SBI ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 2.5%
Lounge visits a year: 8 domestic, 6 international · SBI Card's card page says 2 complimentary domestic visits every quarter and 6 international Priority Pass visits a year, with at most 2 a quarter. This card is not on SBI Card's domestic lounge list from January 2026, and SBI Card says lounge benefits for other cards did not change. The visit counts come from an undated SBI Card page, so please check with SBI Card. Priority Pass visits beyond the free ones cost up to USD 27 plus tax.
The SBI ELITE Credit Card is a premium card that gives 10 reward points per ₹100 on dining, groceries and department stores and 2 points on other spends. It also comes with a ₹5,000 welcome voucher, movie tickets and lounge access.
- 2.5% on groceries
- 2.5% on dining and food delivery
- 0.5% on other spends
44. SBI MILES ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 1.5%
Lounge visits a year: 15 domestic, 6 international · SBI Card's terms give complimentary Priority Pass lounge visits in India as spend-based vouchers: one visit for every ₹1 lakh spent, up to 15 visits in a membership year. It also gives 6 complimentary Priority Pass visits outside India a year. Visits beyond the free ones cost up to USD 27 plus tax. Only the primary cardholder gets the benefit, and lounge entry needs a same-day air ticket.
The SBI MILES ELITE Credit Card gives 3 Travel Credits per ₹100 on travel spends and 1 on other spends, which you can move to airline miles and hotel points. It also gives spend-based domestic lounge visits and 6 visits outside India.
- 1.5% on travel
- 0.5% on other spends
45. IDFC FIRST Bank Mayura Credit Card
Annual fee ₹5,999 · Rewards up to 1.67%
Lounge visits a year: 16 domestic, 4 international · Up to 4 domestic airport lounge visits a quarter, including 1 guest visit, on monthly spends of ₹20,000. IDFC FIRST Bank also lists 4 visits to airport lounges outside India; check how often they reset. Also 4 railway lounge visits a quarter.
The IDFC FIRST Bank Mayura Credit Card is a metal card with zero forex markup, 5X to 10X reward points that never expire, and up to 4 domestic lounge visits a quarter. It costs ₹5,999 a year plus GST.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
46. SBI Card AURUM
Annual fee ₹9,999 · Rewards up to 1%
Lounge visits a year: 16 domestic · 4 domestic lounge visits a quarter, for add-on cardholders too. International lounge access has no fixed count: a DreamFolks membership gives unlimited visits at 1,000+ international lounges, plus one guest visit a quarter.
SBI Card AURUM is a premium card that earns 4 reward points per ₹100 (1% back) plus large milestone vouchers, with unlimited international lounge access and a 1.99% forex markup. The ₹9,999 fee is waived on ₹12 lakh of yearly spends.
- 1% on other spends
Compare these cards
| Card | Lounge visits a year | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|---|
| HSBC Live+ Credit Card | 2 domestic, 1 international | ₹999 | ₹999 | 10% | ₹16,620* |
| PhonePe SBI Card SELECT BLACK | 4 domestic | ₹1,499 | ₹1,499 | 10% | ₹6,120* |
| Axis Bank ACE Credit Card | 4 domestic | ₹499 | ₹499 | 5% | ₹5,400* |
| Tata Neu Infinity HDFC Bank Credit Card | 8 domestic, 4 international | ₹1,499 | ₹1,499 | 5% | ₹5,400* |
| Tata Neu Infinity SBI Credit Card | 8 domestic, 4 international | ₹1,499 | ₹1,499 | 5% | ₹5,400* |
| Standard Chartered Ultimate Credit Card | 16 domestic, 12 international | ₹5,000 | ₹5,000 | 3.33% | ₹4,971* |
| Titan SBI Card | 4 international | ₹2,999 | ₹2,999 | 7.5% | ₹4,860* |
| HSBC RuPay Cashback Credit Card | 8 domestic, 2 international | ₹499 | ₹499 | 10% | ₹4,800* |
| BOBCARD Premier Credit Card | 4 domestic | Free | ₹1,000 | 2.5% | ₹4,440* |
| IndusInd Bank Pinnacle World Credit Card | 4 domestic, 4 international | ₹15,000 | Free | 1.88% | ₹3,870* |
| SBI Card PRIME | 4 international | ₹2,999 | ₹2,999 | 5% | ₹3,720* |
| DCB novio Credit Card | 4 domestic | Free | Free | 2% | ₹3,600* |
| Fibe Axis Bank Credit Card | 4 domestic | Free | Free | 3% | ₹3,600* |
| HDFC Bank Diners Club Privilege Credit Card | 8 domestic, 4 international | ₹1,000 | ₹1,000 | 5% | ₹3,600* |
| MakeMyTrip ICICI Bank Credit Card | 8 domestic, 1 international | ₹999 | ₹999 | 6% | ₹3,600* |
| Tata Neu Plus HDFC Bank Credit Card | 4 domestic | ₹499 | ₹499 | 5% | ₹3,600* |
| Tata Neu Plus SBI Credit Card | 4 domestic | ₹499 | ₹499 | 2% | ₹3,600* |
| Axis Bank Atlas Credit Card | 8 domestic, 4 international | ₹5,000 | ₹5,000 | 5% | ₹3,460* |
| LIC Axis Bank Signature Credit Card | 8 domestic | Free | Free | 1.9% | ₹3,420* |
| Kotak Air Credit Card | 4 domestic | ₹999 | ₹999 | 3% | ₹3,240* |
| Axis Bank Horizon Credit Card | 8 international | ₹3,000 | ₹3,000 | 5% | ₹2,940* |
| Kotak Air+ Credit Card | 4 domestic, 2 international | ₹3,000 | ₹3,000 | 5% | ₹2,940* |
| IndusInd Bank Tiger Credit Card | 8 domestic, 2 international | Free | Free | 2.4% | ₹2,928* |
| Reliance SBI Card PRIME | 4 international | ₹2,999 | ₹2,999 | 5% | ₹2,880* |
| HPCL FIRST Power+ Credit Card | 4 domestic | ₹499 | ₹499 | 5% | ₹2,580* |
| ICICI Bank HPCL Super Saver Credit Card | 4 domestic | ₹500 | ₹500 | 5% | ₹2,580* |
| IDFC FIRST Select Credit Card | 4 domestic | Free | Free | 1.25% | ₹2,520* |
| IDFC FIRST Wealth Credit Card | 4 domestic, 4 international | Free | Free | 1.25% | ₹2,520* |
| HSBC TravelOne Credit Card | 6 domestic, 4 international | ₹4,999 | ₹4,999 | 4% | ₹2,501* |
| IDFC First Bank Ashva Metal Credit Card | 16 domestic, 8 international | ₹2,000 | ₹1,000 | 1.67% | ₹2,279* |
| IDFC FIRST WOW! Black Credit Card | 4 domestic | ₹750 | ₹750 | 0.67% | ₹2,223* |
| EaseMyTrip Standard Chartered Credit Card | 2 domestic | ₹350 | ₹350 | 2.5% | ₹1,800* |
| HDFC Bank BizPower Credit Card | 8 domestic, 6 international | ₹2,500 | ₹2,500 | 6.25% | ₹1,550* |
| HDFC Bank Regalia Gold Credit Card | 12 domestic, 6 international | ₹2,500 | ₹2,500 | 6.25% | ₹1,550* |
| Axis Privilege Amex Credit Card | 8 domestic | ₹1,500 | ₹1,500 | 1% | ₹1,470* |
| Axis Bank Rewards Credit Card | 8 domestic | ₹1,000 | ₹1,000 | 3.2% | ₹1,037* |
| Shoppers Stop Black HDFC Bank Credit Card | 16 domestic, 8 international | ₹4,500 | ₹4,500 | 7% | ₹930* |
| Axis My Zone Credit Card | 4 domestic | ₹500 | ₹500 | 0.4% | ₹706* |
| Axis Bank SELECT Credit Card | 8 domestic, 6 international | ₹3,000 | ₹3,000 | 2% | ₹180* |
| SBI MILES Credit Card | 8 domestic | ₹1,499 | ₹1,499 | 0.5% | -₹719* |
| SBI MILES PRIME Credit Card | 12 domestic, 4 international | ₹2,999 | ₹2,999 | 1% | -₹1,439* |
| Kotak White Credit Card | 8 domestic, 4 international | ₹3,000 | ₹3,000 | 2.67% | -₹1,940* |
| SBI ELITE Credit Card | 8 domestic, 6 international | ₹4,999 | ₹4,999 | 2.5% | -₹2,179* |
| SBI MILES ELITE Credit Card | 15 domestic, 6 international | ₹4,999 | ₹4,999 | 1.5% | -₹3,319* |
| IDFC FIRST Bank Mayura Credit Card | 16 domestic, 4 international | ₹5,999 | ₹5,999 | 1.67% | -₹3,620* |
| SBI Card AURUM | 16 domestic | ₹9,999 | ₹9,999 | 1% | -₹8,199* |
How to choose a credit card with lounge access
- How many visits you get a year, and whether they are domestic, international or both.
- Any spend you need first. Many cards now unlock lounge visits only after a set spend in the previous quarter.
- Which lounges count, and whether you need the card itself or a separate pass.
- Whether the fee is worth it for the rest of your spending, not only for the lounges.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of everyday spending with regular travel, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Is lounge access really free?
Each visit is free within the card's limit. Visits above the limit, and guests, are usually charged. Some cards also need a set spend before a visit is unlocked.
Why is the card with the most visits not first?
We rank by what the card is worth after fees on everyday spending, and we do not put a rupee value on lounge visits. Use the visits shown with each card to compare them.
Do I need to spend to get lounge visits?
On many cards, yes. The condition the bank states is shown with each card. Check the card page before you rely on it for a trip.
Can I use lounges with a debit card?
Some debit cards also include lounge visits, but this page covers credit cards only.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money