India’s Top Credit Cards

Embark on a seamless financial journey with India’s top credit cards. Apply credit cards online and enjoy lifetime free cards, welcome gifts, exclusive discounts, and robust security for the best spending experience.

Best Credit Cards India in 2024
RuPay Credit CardFree JoiningLifetime FreeWelcome GiftRecommendedDiningShoppingFuelTravelingAirport LoungeMovie TicketsHigh Rewards

HDFC Tata Neu

Earn upto 10% back as Neu Coins on Tata Neu Spends
β‚Ή1499 Joining Fee
β‚Ή1499 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
25000+ Monthly Salary
  • 🌟5% Back as NeuCoins on Tata Neu and partner Tata brands
  • πŸ’Ό 1.5% Back as NeuCoins on Non-Tata brand spends
  • πŸ“±1.5% Back as NeuCoins on UPI spends

ICICI Bank MakeMyTrip Platinum

Free quarterly lounge access with INR 5,000 spend
β‚Ή500 Joining Fee
0 Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • 🎁 Get β‚Ή500 MyCash plus a MakeMyTrip holiday voucher worth β‚Ή3000 on joining
  • ✨ Enjoy benefits worth up to β‚Ή20,000
  • πŸ›‹οΈ Complimentary domestic airport and railway lounge access

HDFC Moneyback Plus

Cashpoints on Shopping, Fuel , Swiggy Dineout
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
20000+ Monthly Salary
  • πŸ’Έ Earn 2 CashPoints per β‚Ή150 spent on other purchases
  • 🎁 Receive a β‚Ή500 gift voucher on spends of β‚Ή50,000 per calendar quarter
  • πŸ›οΈ Earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy

Rupicard

Credit Limit upto 90% of FD Amount
β‚Ή0 Joining fee
β‚Ή0 Annual fee
πŸ’° πŸ’°
18+ Age
  • πŸ†“ Lifetime Free Credit Card
  • πŸ› Discounts on dining, lifestyle, shopping & many more
  • πŸ’― 100% Guaranteed Credit Card

AU Bank Lifetime Free

Grocery, Dining, Travel and Fuel
β‚Ή0 Joining Fee
β‚Ή0 Annual Fee
πŸ’³πŸ’ΈπŸ†“
21+ Age
25000+ Monthly Salary
700+ Cibil Score
  • 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

ICICI Bank Coral Rupay

This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • πŸ’³ Joining Fee: β‚Ή500, Annual fee waived
  • 🍽️ Enjoy privileges on dining, travel, entertainment, and more
  • 🎁 Rewards on spends and special welcome perks

HDFC Shoppers Stop Black

Earn First Citizen Points & Complimentary SS membership
β‚Ή4500 Joining Fee
β‚Ή4500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
200000+ Monthly Salary
  • 🎁 Complimentary FC Black Membership worth Rs 4500
  • πŸ›οΈ Earn 20 First Citizen Points for every Rs. 150 spenton Shoppers Stop
  • πŸ›’ Earn 15 First Citizen Points for every Rs. 150 spent on all other Shoppers Stop brands

ICICI Bank Sapphiro

Enjoy 5,000 bonus Skywards Miles and up to 2 Skywards Miles for every INR 100 spent.
β‚Ή6500 Joining Fee
β‚Ή3500 Annual Fee*
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • 🎁 Receive welcome vouchers for shopping and travel worth β‚Ή10,000 on payment of the joining fee.
  • πŸŽ‰ Earn up to 20,000 PAYBACK Points from ICICI Bank Rewards every anniversary year
  • πŸ›‹οΈ Enjoy 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express

ICICI Bank Emeralde

Earn Skywards Miles on your everyday spends. Get Unlimited lounge access worldwide, Unlimited spa access.
β‚Ή12,000 Joining Fee
0 Annual Fee*
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • 🌍 Travel internationally with just one card
  • 🏨 No cancellation charges on domestic travel and hotel bookings
  • πŸ”„ Enjoy the flexibility of selecting your membership plan

ICICI Bank Rubyx Rupay

India's first dual platinum credit card that comes in Visa and Mastercard. Apply online & enjoy privileges across.
β‚Ή3000 Joining Fee
β‚Ή2000 Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • πŸ›‹οΈ Enjoy 2 complimentary accesses per quarter to selected airport lounges in India
  • 🎬 25% discount of up to β‚Ή150 on the purchase of 2 movie tickets on BookMyShow and Inox with the VISA variant
  • 🍿 Save on movie outings and relax at airport lounges with exclusive access and discounts

ICICI Bank MMT Signature

This exclusive card unlocks a world of benefits such as savings worth Rs 20,000.
β‚Ή2500 Joining Fee
0 Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • 🎁 Enjoy joining benefits: MMT Holiday Voucher worth β‚Ή2500, 1500 MyCash, and MMTBLACK exclusive membership
  • ✨ Enjoy the MMTBLACK loyalty program for exclusive perks
  • πŸ’³ Earn up to 40,000 reward points using the card for your travel needs

ICICI Bank HPCL Coral Rupay

Enjoy 25% discount on movie tickets. Experience exclusive privileges with ICICI Bank. Apply now!
β‚Ή199+GST Joining Fee
β‚Ή199+GST Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • β›½ Enjoy a 2.5% cashback at HPCL fuel stations for significant fuel savings
  • πŸ’³ Earn 2 reward points for every β‚Ή100 spent, redeemable for various benefits
  • 🎬🍽️ Get a 25% discount on movie tickets and exclusive dining discounts

ICICI Bank Platinum Chip

Get offers on shopping, fuel and many more. Unlock a world of privileges.
β‚Ή499 Joining Fee
β‚Ή499 Annual Fee*
πŸ†“βœˆοΈπŸ½οΈ
21+ Age
18000+ Monthly Salary
750+ Cibil Score
  • πŸ’³ Joining Fee: NIL
  • πŸ’³ Annual Fee (Second year onwards): NIL
  • πŸ’° Overdue interest on extended credit and cash advances: 3.40% per month (40.80% annualized)

ICICI Bank Emirates Sapphiro

This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
β‚Ή5000 Joining Fee
β‚Ή5000 Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
  • ✈️ Receive 5,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
  • πŸ’³ Earn up to 2 Skywards Miles per β‚Ή100 spent
  • πŸ›‹οΈ Enjoy 2 complimentary domestic lounge accesses per quarter and 2 complimentary international lounge accesses per year*

ICICI Bank Emirates Emeralde

This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
β‚Ή10,000 Joining Fee
β‚Ή10,000 Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
  • ✈️ Receive 10,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
  • πŸ’³ Earn up to 2.5 Skywards Miles per β‚Ή100 spent
  • πŸ›‹οΈ Enjoy unlimited complimentary international & domestic lounge access* (subject to predefined lounges and availability)

ICICI Bank Emirates Rubyx

This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
Rs. 1,000 + GST Joining Fee
Rs. 1,000 + GST Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
  • ✈️ Earn 1.5 Skyward Miles on every retail spend of β‚Ή100
  • πŸ’Ό Earn 1 Skyward Mile on every spend of β‚Ή100 on utility and insurance categories
  • β›½ Get a 1% fuel surcharge waiver on all fuel transactions worth up to β‚Ή4,000 at authorized fuel stations in India

ICICI Bank Chennai Super Kings

This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
  • 🎁 Get a joining gift of 2,000 ICICI Bank Reward Points* on payment of the joining fee and spending β‚Ή5,000 in the first 45 days
  • πŸ”„ Earn 2,000 ICICI Bank Reward Points* on renewal, applicable only on payment of the annual fee
  • πŸ’³ Enjoy a waiver of annual fees on spends of β‚Ή1,50,000 in the previous year

HSBC Visa Platinum Lifetime Free Card

Weekly Payments
0 Joining fee
0 Annual fee
πŸ’³πŸ’°πŸ’Έ
18+ Age
30000+ Monthly Salary
  • πŸ’³ Get your credit card without paying any joining or annual fees
  • ✈️ Convert your points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways, and Singapore Airlines
  • β›½ Make annual savings of up to β‚Ή3,000 on fuel surcharges with our credit card waiver

HSBC Cashback Card

Receive accelerated cashback on all dining, food delivery, and grocery purchases
β‚Ή999 Joining fee
β‚Ή999 Annual fee
πŸ’³πŸ’°πŸ’Έ
  • 🍽️ Get 10% accelerated cashback on all dining, food delivery, and grocery spends (capped at up to β‚Ή1,000 per billing cycle)
  • πŸ’΅ Enjoy 1.5% unlimited cashback on all other spends
  • πŸ›‹οΈ Receive 4 complimentary domestic lounge visits per year (1 per quarter)

HDFC Rupay

You can avail of CashPoints on Groceries, SuperMarket & Dining spends and all PayZapp transactions
β‚Ή500 Joining fee
β‚Ή500 Annual fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
25000+ Monthly Salary
  • πŸ’Έ 2% Back as Neu Coins on Non-EMI Spends on Tata Neu and Partner Tata Brands
  • πŸ’° 1% Back as Neu Coins on Non-Tata Brand Spends and Any Merchant EMI Spends
  • πŸ“² 1% Back as Neu Coins on UPI Spends (Including Partner Tata Brands

AU Bank Altura+

Grocery, Dining, Travel and Fuel
β‚Ή499 Joining Fee
β‚Ή499 Annual Fee
πŸ’³πŸ’ΈπŸ†“
  • πŸ›οΈ 2 RPs/Rs. 100 on All Retail Online Spends (1 RP = β‚Ή0.25)
  • πŸ’‘ 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction)
  • πŸ’Έ 1.5% Cashback on All POS Retail Spends at Merchant Outlets (Max β‚Ή100/month); For POS spends >β‚Ή6,667, earn 1 RP/Rs. 100

ICICI Bank MU Platinum

This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
β‚Ή499 + GST Joining Fee
β‚Ή499 + GST Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
  • 🌟 Earn 2 Reward Points per β‚Ή100 on domestic/international spending
  • ⚽️ Earn 3 Reward Points per β‚Ή100 on Manchester United match days
  • ✈️ Enjoy 1 complimentary lounge access at domestic airports

ICICI Bank HPCL Super Saver

This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.
β‚Ή500+GST Joining Fee
β‚Ή500+GST Annual Fee
πŸ†“βœˆοΈπŸ½οΈ
  • 🎟️ Avail of a 25% discount capped at β‚Ή100 on the purchase of a minimum of two tickets per transaction.
  • 🎬 This benefit can be availed up to two times a month on BookMyShow and INOX movies, individually.
  • 🍽️ Enjoy luxury with gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs, and beverage services.

AU Bank Zenith

Grocery, Dining, Travel and Fuel
β‚Ή4999 Joining Fee
β‚Ή4999 Annual Fee
πŸ’³πŸ’ΈπŸ†“
  • β›³ 8 Complimentary Golf Lessons/Games per Annum (Max 2 per Quarter)
  • 🎬 16 Complimentary Buy-One-Get-One Movie Tickets per Annum
  • 🎁 5,000 RPs on Card Renewal Membership Fee Payment

AU Bank Vetta

Grocery, Dining, Travel and Fuel
β‚Ή2999 Joining Fee
β‚Ή2999 Annual Fee
πŸ’³πŸ’ΈπŸ†“
  • πŸ›’ 4 RPs/Rs. 100 on Grocery and Departmental Store Spends
  • 🏬 2 RPs/Rs. 100 on All Other Merchant Categories
  • πŸ’‘ 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction, 1 RP = β‚Ή0.25)

AU Bank Altura

Grocery, Dining, Travel and Fuel
β‚Ή199 Joining Fee
β‚Ή199 Annual Fee
πŸ’³πŸ’ΈπŸ†“
  • 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

Rupicard Merchant

Credit Limit upto 90% of FD Amount
β‚Ή0 Joining fee
β‚Ή0 Annual fee
πŸ’° πŸ’°
Working+ occupation
18+ Age
  • πŸ“ˆ Boost your credit score by paying your credit card bills on time
  • πŸ’΅ Start with a minimum FD of β‚Ή5,000 and top-up your FD to increase your credit limit
  • πŸ•’ Pay your bills at the end of your interest-free credit period

HDFC Diners Black

5 Reward Points for every Rs 150 spent
β‚Ή10,000 Joining fee
β‚Ή10,000 Annual fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
175000+ Monthly Salary
  • 🎁 Annual Memberships: Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK
  • πŸš– Complimentary Vouchers: Ola Cabs, cult.fit Live, BookMyShow, and TataCliQ spend over Rs. 80k/month
  • πŸ† 5 Reward Points for every Rs. 150 spent

HDFC Freedom

Cashpoints on Fuel , Shopping and Entertainment
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
12000+ Monthly Salary
  • 🎁 10X CashPoints on: Big Basket, BookMyShow, OYO, Swiggy & Uber
  • πŸ›’ 5X CashPoints on EMI spends at merchant locations
  • πŸ’³ 1 CashPoint for every Rs. 150 spent on other purchases

HDFC Indigo Rewards XL

High rewards on Flight Bookings
β‚Ή2500 Joining Fee
β‚Ή2500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
120000+ Monthly Salary
  • ✈️ Earn 5% 6E Rewards on IndiGo flights!
  • 🍽 Get 3% 6E Rewards on Grocery, Dining & Entertainment!
  • πŸ’³ Enjoy 2% 6E Rewards on all other spends!*

HDFC Bharat

5% Cashback on Groceries, Fuel, Bills and Recharge
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
12000+ Monthly Salary
  • πŸš— Enjoy 5% monthly cashback on fuel expenses
  • πŸ’Έ Get a 1% surcharge waiver and save up to Rs. 250
  • πŸ›’ Save with 5% monthly cashback on grocery spending

HDFC Business Moneyback

Business-centric benefits from cashback to accelerated reward points at partner stores
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
25000+ Monthly Salary
  • πŸ’³ Earn 2 Reward Points for every Rs. 150 spent
  • 🏒 Enjoy 8 lounge visits within India annually
  • πŸ”’ Corporate Liability Waiver Insurance for peace of mind

HDFC Shoppers Stop Regular

Earn First Citizen Points & Complimentary SS membership
β‚Ή0 Joining Fee
β‚Ή0 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
20000+ Monthly Salary
  • πŸ›οΈ Earn 6 First Citizen Points for every Rs. 150 spent on Shoppers Stop brands
  • πŸ›’ Earn 2 First Citizen Points for every Rs. 150 spent on non-Shoppers Stop brands
  • 🎁 Complimentary Shoppers Stop membership

HDFC Regalia

4 Reward Points on every Rs.150 spent
β‚Ή2500 Joining Fee
β‚Ή2500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
100000+ Monthly Salary
  • ✈️ Enjoy 12 complimentary airport lounge accesses within India and 6 outside India
  • 🎁 Earn a bonus of 10,000 Reward Points on Rs. 5 lakhs spent
  • πŸ’³ An additional 5,000 Reward Points on Rs. 8 lakhs spent in an anniversary year

HDFC Indigo Rewards

Flight, Shopping, Dining and Entertainment
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
50000+ Monthly Salary
  • ✈️ Earn 2.5% 6E Rewards on the IndiGo app
  • 🍽️ Get 2% 6E Rewards on Grocery, Dining & Entertainment
  • πŸ’³ Enjoy 1% 6E Rewards on all other spends*

HDFC Diners Privilege

BookMyShow, Swiggy/Zomato, Decathlon, Airport lounge
β‚Ή2500 Joining Fee
β‚Ή2500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
70000+ Monthly Salary
720+ Cibil Score
  • 🎬 Buy 1 Get 1 Free on weekend tickets via BookMyShow!
  • 🍽️ 5X Reward Points on Swiggy and Zomato!
  • 🎁 Complimentary annual memberships of Swiggy One and Times Prime as a welcome benefit!

HDFC Indian Oil

Earn 5% of your spends as Fuel Points at Indian Oil outlets.
β‚Ή500 Joining Fee
β‚Ή500 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
10000+ Monthly Salary
  • β›½ Earn up to 50 litres of free fuel annually
  • πŸš— Earn 5% of your spending as fuel points at IndianOil outlets
  • πŸ’Έ Earn 5% of your spending as fuel points on groceries and bill payments

HDFC Millennia

5% Cashback on Shopping, Movies, Food Ordering
β‚Ή1000 Joining Fee
β‚Ή1000 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
35000+ Monthly Salary
  • πŸ›οΈ Enjoy 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
  • πŸ’³ Get 1% cashback on all other spends (except fuel), including EMI & wallet transactions
  • 🎁 Receive β‚Ή1000 worth of gift vouchers on spends of β‚Ή1,00,000 and above in each calendar quarter

IndusInd Bank Easy

Rewards and lifestyle credit card
β‚Ή0 Joining Fee
β‚Ή0 Annual Fee
πŸ’ΈπŸ½οΈπŸš‚
21+ Age
40000+ Monthly Salary
650+ Cibil Score
  • πŸ†“ Indus Easy Credit Card - lifetime free card
  • β›½ Fuel surcharge waiver on all petrol pumps
  • ✈️ Enjoy complimentary airport lounge access

Applying for credit cards online is a process where a financial institution issues a plastic or metal card that enables you to borrow funds. After a credit card purchase, it’s crucial to repay the borrowed amount by a specified date.

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.

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