Apply for Indiaโs Top Credit Cards
Embark on a seamless financial journey with Indiaโs top credit cards. Apply credit cards online and enjoy lifetime free cards, welcome gifts, exclusive discounts, and robust security for the best spending experience.
RuPay Credit CardFree JoiningLifetime FreeWelcome GiftRecommendedPopularDiningShoppingFuelTravelingAirport LoungeMovie TicketsHigh Rewards
0
Joining Fee
0
Annual Fee
๐ ๐ณ๏ธ
- 10X Reward Points on incremental spends above โน20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to โน20,000 per month
- Unlimited Reward points that never expire
โน0
Joining Fee
โน0
Annual Fee
๐ณ๐ธ๐
- 10X or 5X Reward Points on all online domestic & international retail transactions
- 1% fuel surcharge waiver on all transactions between INR 400 to INR 5,000
- Your LIT Credit Card brings food delivery, fitness & entertainment right to your door
INR 500
Joining Fee
INR 500
Annual Fee
- Upto 55 days interest-free credit
- 2 CashPoints/โน150 on general spends
- 6 CashPoints/โน150 on business digital spends, bill & tax payments, travel & productivity tools
0
Joining fee
0
Annual fee
๐ณ๐ฐ๐ธ
- โ๏ธ Convert your points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways, and Singapore Airlines
- โฝ Make annual savings of up to โน3,000 on fuel surcharges with credit card waiver
- ๐ก๏ธ Enjoy insurance coverage for any misuse of your card from 24 hours before reporting it lost, up to โน300,000
โน4500
Joining Fee
โน4500
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐ Complimentary FC Black Membership worth Rs 4500
- ๐๏ธ Earn 20 First Citizen Points for every Rs. 150 spenton Shoppers Stop
- ๐ Earn 15 First Citizen Points for every Rs. 150 spent on all other Shoppers Stop brands
โน500
Joining Fee
โน500
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐ธ Earn 2 CashPoints per โน150 spent on other purchases
- ๐ Receive a โน500 gift voucher on spends of โน50,000 per calendar quarter
- ๐๏ธ Earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
โน0
Joining Fee
โน0
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐๏ธ Earn 6 First Citizen Points for every Rs. 150 spent on Shoppers Stop brands
- ๐ Earn 2 First Citizen Points for every Rs. 150 spent on non-Shoppers Stop brands
- ๐ Complimentary Shoppers Stop membership
HDFC Business Moneyback
Business-centric benefits from cashback to accelerated reward points at partner stores
โน500
Joining Fee
โน500
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐ณ Earn 2 Reward Points for every Rs. 150 spent
- ๐ข Enjoy 8 lounge visits within India annually
- ๐ Corporate Liability Waiver Insurance for peace of mind
โน500
Joining Fee
โน500
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐ 10X CashPoints on: Big Basket, BookMyShow, OYO, Swiggy & Uber
- ๐ 5X CashPoints on EMI spends at merchant locations
- ๐ณ 1 CashPoint for every Rs. 150 spent on other purchases
โน500
Joining Fee
โน500
Annual Fee
๐ธ๐ฝ๏ธ๐
- โฝ Earn up to 50 litres of free fuel annually
- ๐ Earn 5% of your spending as fuel points at IndianOil outlets
- ๐ธ Earn 5% of your spending as fuel points on groceries and bill payments
โน500
Joining Fee
โน500
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐ Enjoy 5% monthly cashback on fuel expenses
- ๐ธ Get a 1% surcharge waiver and save up to Rs. 250
- ๐ Save with 5% monthly cashback on grocery spending
โน1,000
Joining Fee
โน1,000
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐๏ธ Enjoy 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
- ๐ณ Get 1% cashback on all other spends (except fuel), including EMI & wallet transactions
- ๐ Receive โน1000 worth of gift vouchers on spends of โน1,00,000 and above in each calendar quarter
2500
Joining Fee
2500
Annual Fee
๐ธ๐ฝ๏ธ๐
- โ๏ธ Enjoy 12 complimentary airport lounge accesses within India and 6 outside India
- ๐ Earn a bonus of 10,000 Reward Points on Rs. 5 lakhs spent
- ๐ณ An additional 5,000 Reward Points on Rs. 8 lakhs spent in an anniversary year
โน500
Joining Fee
โน500
Annual Fee
๐ธ๐ฝ๏ธ๐
- โ๏ธ Earn 2.5% 6E Rewards on the IndiGo app
- ๐ฝ๏ธ Get 2% 6E Rewards on Grocery, Dining & Entertainment
- ๐ณ Enjoy 1% 6E Rewards on all other spends*
โน2500
Joining Fee
โน2500
Annual Fee
๐ธ๐ฝ๏ธ๐
- โ๏ธ Earn 5% 6E Rewards on IndiGo flights!
- ๐ฝ Get 3% 6E Rewards on Grocery, Dining & Entertainment!
- ๐ณ Enjoy 2% 6E Rewards on all other spends!*
โน1,000
Joining Fee
โน1,000
Annual Fee
๐ธ๐ฝ๏ธ๐
- ๐ฌ Buy 1 Get 1 Free on weekend tickets via BookMyShow!
- ๐ฝ๏ธ 5X Reward Points on Swiggy and Zomato!
- ๐ Complimentary annual memberships of Swiggy One and Times Prime as a welcome benefit!
โน10,000
Joining fee
โน10,000
Annual fee
๐ธ๐ฝ๏ธ๐
- ๐ Annual Memberships: Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK
- ๐ Complimentary Vouchers: Ola Cabs, cult.fit Live, BookMyShow, and TataCliQ spend over Rs. 80k/month
- ๐ 5 Reward Points for every Rs. 150 spent
0
Joining Fee
0
Annual Fee
๐ธ๐ฐ๐
- 3X Reward Points on Spends till โน20,000 in a statement cycle
- 10X Reward Points on crossing spends of โน20,000 in a statement cycle & on your birthday
- Unlimited & never expiring Reward Points
0
Joining Fee
0
Annual Fee
๐ธ๐ฐ๐
- Best in class Forex mark-up of only 1.5%
- Comprehensive Travel Insurance and Air Accident cover
- Access to International and Domestic Airport lounges and spas
โน500
Joining fee
โน500
Annual fee
๐ธ๐ฝ๏ธ๐
- INR 1000 joining voucher
- 10% cashback on Swiggy on Food Orders, Instamart, Dineout & Genie.
- 5% Cashback on Amazon, Flipkart, Myntra, Ajio, Ola, Uber, Nykaa, BookMyShow and several other platforms.
โน3000
Joining fee
โน3000
Annual fee
๐ธ๐ฝ๏ธ๐
- 1 Free Night Award at participating Marriott Bonvoy
- 8 points at hotels participating in Marriott Bonvoy
- 4 points on travel, dining, and entertainment,2 points on all other purchases
HDFC Rupay
You can avail of CashPoints on Groceries, SuperMarket & Dining spends and all PayZapp transactions
โน500
Joining fee
โน500
Annual fee
๐ธ๐ฝ๏ธ๐
- ๐ธ 2% Back as Neu Coins on Non-EMI Spends on Tata Neu and Partner Tata Brands
- ๐ฐ 1% Back as Neu Coins on Non-Tata Brand Spends and Any Merchant EMI Spends
- ๐ฒ 1% Back as Neu Coins on UPI Spends (Including Partner Tata Brands
โน0
Joining Fee
โน0
Annual Fee
๐ธ๐ฐ๐
- 10X Reward Points on incremental spends above โน20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to โน20,000 per month
- Unlimited Reward points that never expire
โน0
Joining Fee
โน0
Annual Fee
๐ณ๐๐ธ
- Rewards everywhere, always Tap, swipe, and scan on this Rupay credit card & earn POPcoins (1 POPcoin=upto โน1)
- Avail UPI through Rupay Credit Card
- โน 5000 worth of joining benefits
ICICI Bank Emeralde
Earn Skywards Miles on your everyday spends. Get Unlimited lounge access worldwide, Unlimited spa access.
โน12,000
Joining Fee
0
Annual Fee*
๐โ๏ธ๐ฝ๏ธ
- ๐ Travel internationally with just one card
- ๐จ No cancellation charges on domestic travel and hotel bookings
- ๐ Enjoy the flexibility of selecting your membership plan
โน499
Joining Fee
โน499
Annual Fee
๐ธ๐ฐ๐
- 2000 Reward Points worth เคฐเฅ500 on spending เคฐเฅ5,000
- 1000 Reward Points on your First EMI conversion
- Travel discount coupon of โน2100 as a welcome gift
ICICI Bank Sapphiro
Enjoy 5,000 bonus Skywards Miles and up to 2 Skywards Miles for every INR 100 spent.
โน6500
Joining Fee
โน3500
Annual Fee*
๐โ๏ธ๐ฝ๏ธ
- ๐ Receive welcome vouchers for shopping and travel worth โน10,000 on payment of the joining fee.
- ๐ Earn up to 20,000 PAYBACK Points from ICICI Bank Rewards every anniversary year
- ๐๏ธ Enjoy 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express
ICICI Bank Rubyx Rupay
India's first dual platinum credit card that comes in Visa and Mastercard. Apply online & enjoy privileges across.
โน3000
Joining Fee
โน2000
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- ๐๏ธ Enjoy 2 complimentary accesses per quarter to selected airport lounges in India
- ๐ฌ 25% discount of up to โน150 on the purchase of 2 movie tickets on BookMyShow and Inox with the VISA variant
- ๐ฟ Save on movie outings and relax at airport lounges with exclusive access and discounts
ICICI Bank Make My Trip Signature
This exclusive card unlocks a world of benefits such as savings worth Rs 20,000.
โน2500
Joining Fee
0
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- ๐ Enjoy joining benefits: MMT Holiday Voucher worth โน2500, 1500 MyCash, and MMTBLACK exclusive membership
- โจ Enjoy the MMTBLACK loyalty program for exclusive perks
- ๐ณ Earn up to 40,000 reward points using the card for your travel needs
ICICI Bank Coral Rupay
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
โน500
Joining Fee
โน500
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- ๐ณ Joining Fee: โน500, Annual fee waived
- ๐ฝ๏ธ Enjoy privileges on dining, travel, entertainment, and more
- ๐ Rewards on spends and special welcome perks
โน500
Joining Fee
0
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- ๐ Get โน500 MyCash plus a MakeMyTrip holiday voucher worth โน3000 on joining
- โจ Enjoy benefits worth up to โน20,000
- ๐๏ธ Complimentary domestic airport and railway lounge access
ICICI Bank HPCL Coral Rupay
Enjoy 25% discount on movie tickets. Experience exclusive privileges with ICICI Bank. Apply now!
โน199
Joining Fee
โน199
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- โฝ Enjoy a 2.5% cashback at HPCL fuel stations for significant fuel savings
- ๐ณ Earn 2 reward points for every โน100 spent, redeemable for various benefits
- ๐ฌ๐ฝ๏ธ Get a 25% discount on movie tickets and exclusive dining discounts
โน499
Joining Fee
โน499
Annual Fee*
๐โ๏ธ๐ฝ๏ธ
- ๐ณ Joining Fee: NIL
- ๐ณ Annual Fee (Second year onwards): NIL
- ๐ฐ Overdue interest on extended credit and cash advances: 3.40% per month (40.80% annualized)
ICICI Bank HPCL Super Saver
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
โน500
Joining Fee
โน500
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- ๐๏ธ Avail of a 25% discount capped at โน100 on the purchase of a minimum of two tickets per transaction.
- ๐ฌ This benefit can be availed up to two times a month on BookMyShow and INOX movies, individually.
- ๐ฝ๏ธ Enjoy luxury with gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs, and beverage services.
ICICI Bank MU Platinum
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
โน499
Joining Fee
โน499
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- ๐ Earn 2 Reward Points per โน100 on domestic/international spending
- โฝ๏ธ Earn 3 Reward Points per โน100 on Manchester United match days
- โ๏ธ Enjoy 1 complimentary lounge access at domestic airports
ICICI Bank Chennai Super Kings
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
โน500
Joining Fee
โน500
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- ๐ Get a joining gift of 2,000 ICICI Bank Reward Points* on payment of the joining fee and spending โน5,000 in the first 45 days
- ๐ Earn 2,000 ICICI Bank Reward Points* on renewal, applicable only on payment of the annual fee
- ๐ณ Enjoy a waiver of annual fees on spends of โน1,50,000 in the previous year
ICICI Bank Emirates Rubyx
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
โน1000
Joining Fee
โน1000
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- โ๏ธ Earn 1.5 Skyward Miles on every retail spend of โน100
- ๐ผ Earn 1 Skyward Mile on every spend of โน100 on utility and insurance categories
- โฝ Get a 1% fuel surcharge waiver on all fuel transactions worth up to โน4,000 at authorized fuel stations in India
ICICI Bank Emirates Emeralde
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
โน10,000
Joining Fee
โน10,000
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- โ๏ธ Receive 10,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
- ๐ณ Earn up to 2.5 Skywards Miles per โน100 spent
- ๐๏ธ Enjoy unlimited complimentary international & domestic lounge access* (subject to predefined lounges and availability)
ICICI Bank Emirates Sapphiro
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
โน5000
Joining Fee
โน5000
Annual Fee
๐โ๏ธ๐ฝ๏ธ
- โ๏ธ Receive 5,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
- ๐ณ Earn up to 2 Skywards Miles per โน100 spent
- ๐๏ธ Enjoy 2 complimentary domestic lounge accesses per quarter and 2 complimentary international lounge accesses per year*
โน999
Joining fee
โน999
Annual fee
๐ณ๐ฐ๐ธ
- ๐ฝ๏ธ Get 10% accelerated cashback on all dining, food delivery, and grocery spends (capped at up to โน1,000 per billing cycle)
- ๐ต Enjoy 1.5% unlimited cashback on all other spends
- ๐๏ธ Receive 4 complimentary domestic lounge visits per year (1 per quarter)
โน199
Joining Fee
โน199
Annual Fee
๐ณ๐ธ๐
- 1% cashback for spends on all other retail spends* (max. Rs. 50/month)
- 1% Fuel Surcharge waiver for trxn b/w 400-5000 (max. Rs. 100/month)
- Complimentary 2 per quarter Domestic Railway Lounge access
โน4999
Joining Fee
โน4999
Annual Fee
๐ณ๐ธ๐
- โณ 8 Complimentary Golf Lessons/Games per Annum (Max 2 per Quarter)
- ๐ฌ 16 Complimentary Buy-One-Get-One Movie Tickets per Annum
- ๐ 5,000 RPs on Card Renewal Membership Fee Payment
โน2999
Joining Fee
โน2999
Annual Fee
๐ณ๐ธ๐
- ๐ 4 RPs/Rs. 100 on Grocery and Departmental Store Spends
- ๐ฌ 2 RPs/Rs. 100 on All Other Merchant Categories
- ๐ก 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction, 1 RP = โน0.25)
โน499
Joining Fee
โน499
Annual Fee
๐ณ๐ธ๐
- ๐๏ธ 2 RPs/Rs. 100 on All Retail Online Spends (1 RP = โน0.25)
- ๐ก 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction)
- ๐ธ 1.5% Cashback on All POS Retail Spends at Merchant Outlets (Max โน100/month); For POS spends >โน6,667, earn 1 RP/Rs. 100
โน 199
Joining Fee
โน 199
Annual Fee
๐ณ๐ฐ
- Up to 5% savings on your fuel expenses
- 2.5% savings as Rewards on Grocery & Utility expenses
- 2.5% savings as Rewards on IDFC FIRST FASTag recharge
โน 499
Joining Fee
โน 499
Annual Fee
๐ต ๐ฐ
- Up to 6.5% savings on your fuel expenses
- 5% savings as Rewards on Grocery & Utility expenses
- 5% savings as Rewards on IDFC FIRST FASTag recharge
RBL Bank World Safari
The card offers travel benefits around activation, reward points, lounge access, and travel insurance. You can consider getting this card, if you frequently go on international trips, and use your credit card majorly for travel expenses.
INR 0
Joining Fees
INR 3000
Annual Fees
- 0% Forex Markup โ Swipe abroad without the usual 3.5%+GST fee.
- โน3,000 MakeMyTrip Voucher โ Just transact in 30 days & pay your fee in the first cycle.
- Reward Points โ 2 pts/โน100 (domestic), 5 pts/โน100 (travel).
RBL Bank IndianOil
It offers a value-back of up to 6% on IOCL fuel spends in the form of Fuel Points and fuel surcharge waiver
INR 0
Joining Fees
INR 500
Annual Fees
- Fuel Points โ 10 pts/โน100 at IOCL pumps; 1 pt/โน100 on all other spends.
- Easy Redemption1 Fuel Pt = โน0.50 at IOCL3 Fuel Pts โ 5 XRP (1 XRP = โน0.30)1 Fuel Pt = โน0.10 on RBL Rewards portal
- Welcome Bonus โ Spend โน500 within 30 days to snag 1,000 Fuel Pts.
RBL Bank IOCL Xtra
designed to offer exceptional rewards for frequent fuel buyers. With up to 250 litres of free petrol annually and an accelerated rewards system, this card turns everyday fuel and non-fuel spending into valuable savings.
INR 0
Joining Fees
INR 1500
Annual Fees
- 3,000 welcome points on โน500 spend in 30 days
- 15 pts/โน100 at IOCL (up to 2,000 pts/mo); 2 pts/โน100 elsewhere
- Redemption: 1 pt = โน0.50 at IOCL
RBL Bank IRCTC
With this card, users can earn a 2.5% value back (five points per Rs. 200) on train bookings and a 1% value back (two points per Rs. 200) on flights, hotels, and cruises via IRCTC.
INR 0
Joining Fees
INR 500
Annual Fees
- Welcome Offer: Reward on โน500 spend within 30 days
- Annual Fee: โน500
- Up to โน20K Rewards: Earn 40ร fee via travel, dining & shopping
โน2,999 + GST
Joining Fee
โน2,999 + GST
Annual Fee
- 1% Forex Markup on foreign currency transactions
- 4 domestic lounge/spa visits per quarter and 2 international lounge visits per quarter
- Free Trip Cancellation Cover worth โน25,000 on hotel & flight bookings in a year
โน5,999 + GST
Joining Fee
โน5,999 + GST
Annual Fee
- 0 Forex Mark-up on foreign currency transactions
- 4 domestic lounge/spa visits including 1 guest visit to lounges per quarter, 4 international lounge visits per quarter
- Free Trip Cancellation Cover worth โน50,000 on hotel & flight bookings in a year
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
โน 0
Joining fee
โน 0
Annual fee
๐ธ๐ฝ๏ธ๐
- Maximise your Rewards with flexible reward plans to choose from
- Comprehensive insurance benefits, 24X7 Concierge service
- Get waiver* on fuel surcharge on fuel transactions
0
Joining Fees
0
Annual Fees
- Earn 2% cashback on scan-and-pay UPI transactions.
- Earn 0.5% cashback on online purchases.
- With the optional Neon subscription (โน999/year), users can unlock higher cashback rates:
INR 0
Joining Fee
INR 500
Annual Fee
- ๐ 5% Cashback on food delivery & groceries
- ๐ โน500 Gift Voucher on card activation
- ๐ฒ Instant virtual card on approval
0
Join Fee
0
Annual Fee
- ๐ณ Lifetime-free credit card โ no joining or annual fees
- ๐ฑ Use for UPI scan & pay, even without a physical card
- ๐ธ Earn 3% cashback in Rio Coins on eligible UPI spends
0
Joining Fee
0
Annual Fee
- Zero joining & annual fees
- 10% Scapia Coins on all spends
- 20% coins on travel bookings via Scapia app
- ๐ฏ 6X Reward Points on every โน100 spent (on reaching โน6L annual spend)
- โ๏ธ 8 Free Domestic Lounge Visits/Year (2 per quarter)
- ๐ 2 Free International Lounge Visits via Priority Pass
WHY APPLY FOR CREDIT CARDS HERE
Applying for credit cards online is now an extremely easy process. Check our cards on the website, compare cards and choose your desired card. Complete the online process on the bank website, follow the process and get your fav credit card upon approval
FAQs
In case of delayed repayment, the issuer will charge interest on the unpaid balance. Continual delays can lead to the cancellation of your credit card and negatively impact your credit score. Potentially making it challenging to obtain loans or credit cards in the future.
Issuers may offer a separate cash line of credit (LOC) for cardholders. This feature permits cash withdrawals through bank tellers, ATMs, or credit card convenience checks.
Most businesses accept credit cards, making them a popular method for purchasing consumer goods and services. With the convenience of digital platforms, applying for credit cards online has become an efficient way. You get to access these financial tools with a streamlined process to manage finances and make transactions seamlessly.