1. BOBCARD ETERNA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹9,000* a year
The BOBCARD ETERNA Credit Card gives 15 reward points per ₹100 (3.75% back) on dining, travel, international and online spends, and unlimited domestic lounge access. From 1 September 2026 it has no joining fee, and the ₹2,499 annual fee is waived on ₹2.5 lakh of yearly spends.
- 3.75% on dining and food delivery
- 3.75% on travel
- 3.75% on online shopping
- 0.75% on other spends
2. HSBC Premier Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹8,640* a year
The HSBC Premier Credit Card earns 3 reward points per ₹100, worth ₹1 each on Apple products or HSBC Travel with Points, with unlimited airport lounge access and a 0.99% forex markup. It is only for HSBC Premier customers, who pay no annual fee.
- 3% on other spends
3. BOBCARD TIARA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹7,200* a year
The BOBCARD TIARA is a women-only RuPay credit card that gives 15 reward points per ₹100 (3.75% back) on dining, travel and international spends, plus quarterly shopping and salon discounts. The ₹2,499 fee is waived on ₹25,000 of spends in the first 60 days and on ₹2.5 lakh each year.
- 3.75% on dining and food delivery
- 3.75% on travel
- 0.75% on other spends
4. BOBCARD Premier Credit Card
Annual fee ₹1,000 · Rewards up to 2.5% · You keep ₹4,800* a year
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
5. Standard Chartered Ultimate Credit Card
Annual fee ₹5,000 · Rewards up to 3.33% · You keep ₹3,690* a year
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
6. Axis Bank Atlas Credit Card
Annual fee ₹5,000 · Rewards up to 5% · You keep ₹3,460* a year
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
7. HSBC Visa Platinum Credit Card
Annual fee Free · Rewards up to 1.18% · You keep ₹3,409* a year
The HSBC Visa Platinum Credit Card is a lifetime free card that earns 2 reward points per ₹150, worth about ₹0.89 each when moved to Accor hotel points, with up to 6X points on travel booked through HSBC.
- 1.18% on other spends
8. HDFC Bank RuPay IRCTC Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹2,880* a year
The HDFC Bank RuPay IRCTC Credit Card suits people who book train tickets often. It gives 5 reward points per ₹100 on IRCTC, worth ₹1 each on train tickets, and 8 railway lounge visits a year.
- 5% on IRCTC
- 1% on groceries
- 1% on other spends
9. Kotak Air Credit Card
Annual fee ₹999 · Rewards up to 3% · You keep ₹2,880* a year
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
10. IDFC FIRST Classic Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹2,550* a year
The IDFC FIRST Classic Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. The bank describes it as an option for first-time card users.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
11. IDFC FIRST Millennia Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹2,550* a year
The IDFC FIRST Millennia Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It charges no forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
12. IDFC FIRST Select Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹2,550* a year
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
13. IDFC FIRST Wealth Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹2,550* a year
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
14. HSBC TravelOne Credit Card
Annual fee ₹4,999 · Rewards up to 4% · You keep ₹2,261* a year
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
15. Axis Bank Horizon Credit Card
Annual fee ₹3,000 · Rewards up to 5% · You keep ₹2,220* a year
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
16. Kotak Air+ Credit Card
Annual fee ₹3,000 · Rewards up to 5% · You keep ₹2,220* a year
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
17. IndusInd Bank Tiger Credit Card
Annual fee Free · Rewards up to 2.4% · You keep ₹2,208* a year
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
18. IDFC FIRST WOW! Black Credit Card
Annual fee ₹750 · Rewards up to 0.67% · You keep ₹1,922* a year
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
19. IRCTC SBI Platinum Card (RuPay)
Annual fee ₹500 · Rewards up to 10% · You keep ₹1,714* a year
The IRCTC SBI Platinum Card on RuPay gives up to 10% value back as reward points on AC class train tickets booked through IRCTC. Points can be used to pay for train tickets, and 1 point equals ₹1 of fare.
- 4% on IRCTC
- 0.8% on other spends
20. MakeMyTrip ICICI Bank Credit Card
Annual fee ₹999 · Rewards up to 6% · You keep ₹1,701* a year
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
21. HDFC Bank Diners Club Privilege Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹1,700* a year
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
22. IDFC First Bank Ashva Metal Credit Card
Annual fee ₹1,000 · Rewards up to 1.67% · You keep ₹1,618* a year
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
23. EaseMyTrip Standard Chartered Credit Card
Annual fee ₹350 · Rewards up to 2.5% · You keep ₹1,440* a year
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
24. IDFC FIRST WOW! Credit Card
Annual fee Free · Rewards up to 0.5% · You keep ₹1,440* a year
The IDFC FIRST WOW! Credit Card is a lifetime free card issued against a fixed deposit of at least ₹20,000. It needs no income proof or credit history, and it charges no forex markup.
- 0.13% on bills and utilities
- 0.5% on other spends
- RBL BankIRCTC RBL BankRuPay
25. IRCTC RBL Bank Credit Card
Annual fee ₹500 · Rewards up to 2.5% · You keep ₹1,440* a year
The IRCTC RBL Bank Credit Card earns 5 reward points per ₹200 on train tickets booked on IRCTC, and each point is worth ₹1 when you use it to book trains. It suits regular train travellers, with 8 railway lounge visits a year and a ₹500 fee waived on ₹1.5 lakh of yearly spends.
- 2.5% on IRCTC
- 0.5% on other spends
26. Axis Privilege Amex Credit Card
Annual fee ₹1,500 · Rewards up to 1% · You keep ₹1,110* a year
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
27. IRCTC BOBCARD RuPay Credit Card
Annual fee ₹350 · Rewards up to 10% · You keep ₹1,027* a year
The IRCTC BOBCARD gives 16 to 40 reward points per ₹100 on AC and chair car train tickets booked on IRCTC, which is 4% to 10% back at ₹0.25 a point, depending on your travel dates. It is a RuPay card that works on UPI, with a ₹350 annual fee and 4 railway lounge visits a year.
- 4% on IRCTC
- 0.5% on other spends
28. HDFC Bank Regalia Gold Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹650* a year
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
29. Axis Bank SELECT Credit Card
Annual fee ₹3,000 · Rewards up to 2%
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
30. SBI MILES Credit Card
Annual fee ₹1,499 · Rewards up to 0.5%
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
31. SBI MILES PRIME Credit Card
Annual fee ₹2,999 · Rewards up to 1%
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
32. EazyDiner IndusInd Bank Credit Card
Annual fee ₹2,999 · Rewards up to 1%
The EazyDiner IndusInd Bank Credit Card charges ₹2,999 a year and gives 10 reward points per ₹100 on hotel and travel bookings. It also comes with EazyDiner Prime membership and extra dining discounts.
- 1% on travel
- 0.4% on other spends
33. HDFC Bank Diners Club Black Metal Edition Credit Card
Annual fee ₹10,000 · Rewards up to 6.67%
The HDFC Bank Diners Club Black Metal Edition Credit Card is a premium card for high spenders who travel. It earns 5 reward points per ₹150, worth up to ₹1 each on flights and hotels, with unlimited lounge access and a 2% forex markup.
- 3.33% on other spends
34. Kotak White Credit Card
Annual fee ₹3,000 · Rewards up to 2.67%
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
35. SBI MILES ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 1.5%
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
36. SBI ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 2.5%
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
37. IDFC FIRST Bank Mayura Credit Card
Annual fee ₹5,999 · Rewards up to 1.67%
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
38. HDFC Bank Infinia Metal Credit Card
Annual fee ₹12,500 · Rewards up to 3.33%
The HDFC Bank Infinia Metal Credit Card earns 5 reward points per ₹150, worth ₹1 each on SmartBuy flights and hotels, with unlimited lounge access worldwide and a 2% forex markup. It is by invitation only, and the ₹12,500 fee is waived on ₹10 lakh of yearly spends.
- 3.33% on groceries
- 3.33% on bills and utilities
- 3.33% on other spends
39. ICICI Bank Emeralde Private Metal Credit Card
Annual fee ₹12,499 · Rewards up to 3%
The ICICI Bank Emeralde Private Metal Credit Card is an invite-only metal card for the bank's private banking customers, where each point is worth up to ₹1 on flight and hotel vouchers. It gives 3 points per ₹100, 12,500 bonus points every year, a 2% forex markup and unlimited lounge visits for you and add-on members.
- 3% on bills and utilities
- 3% on groceries
- 3% on other spends
40. SBI Card AURUM
Annual fee ₹9,999 · Rewards up to 1%
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
41. Axis Bank Magnus Credit Card
Annual fee ₹12,500 · Rewards up to 3.5%
The Axis Bank Magnus Credit Card is a premium card for people who spend heavily and travel often. It gives 12 EDGE Reward points per ₹200, and 35 per ₹200 on spends above ₹1.5 lakh in a month.
- 1.2% on other spends
- 3.5% on spends above ₹1,50,000 a month
42. Times Black ICICI Bank Credit Card
Annual fee ₹20,000 · Rewards up to 0.8%
The Times Black ICICI Bank Credit Card is ICICI's super-premium card made with Times Internet, with a low 1.49% forex markup on foreign spends. Most of its value comes from luxury stays, gift cards and milestone experiences claimed in the Times Black app, for a ₹20,000 fee.
- 0.8% on bills and utilities
- 0.8% on other spends
43. Axis Bank Reserve Credit Card
Annual fee ₹50,000 · Rewards up to 1.5%
The Axis Bank Reserve Credit Card is a super-premium card with a ₹50,000 fee, unlimited lounge visits for you and add-on holders, 50 free golf rounds a year and a low 1.5% forex markup. It earns 15 EDGE Reward points per ₹200, and double that on international spends.
- 1.5% on other spends
Compare these cards
How to choose a travel credit card
- Rewards on travel, and the value of points or miles.
- Airport or railway lounge visits, and any spend condition.
- The foreign currency markup if you travel abroad.
- Which booking sites or partners earn the top rate.
How we ranked these cards
We work out what each card pays on ₹24,000 a month of regular travel spending, 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
Do these rankings count lounge visits?
No. Our yearly value counts rewards and fees only, so compare lounge access separately on each card page.
What is a foreign currency markup?
An extra charge on anything you pay in a foreign currency, shown as a share of the amount. Lower is better if you spend abroad.
Are miles better than cashback?
Miles can be worth more on travel and less elsewhere. Cashback is simpler, because you know its value.
*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