Best Credit Cards in India 2026 - Apply Online, Compare Benefits, Cashback & Lounge Access

Key Benefits
• Enjoy a Lifetime-free credit card with no renewal fees
• Earn rewards as real 24K Digital Gold on eligible online & offline spends. Rewards are credited as Uni Coins, which can be converted into Digital Gold or redeemed for physical gold coins via the Uni platform
• Get accelerated rewards of up to 8% on brand vouchers purchased via Uni Store across popular brands like Amazon, Myntra, Zomato, Blinkit, MakeMyTrip, Swiggy, Cleartrip & more
• Enjoy zero forex markup on eligible international transactions across 180+ countries, making overseas spends more rewarding
• Earn unlimited 7% back on domestic & international flight bookings made through Uni Store with no reward capping or minimum spend requirement
• Unlimited 7% back on hotel bookings made through Uni’s partnered travel platform
• Enjoy 50% back on PVR & INOX movie ticket bookings once every month through Uni Store (capped at Up to Rs 250/month, valid on 10k spend in a month)
• Flat 1% back on eligible UPI Scan & Pay transactions using the RuPay variant linked to supported UPI apps
• Get 1% fuel surcharge waiver on eligible fuel spends across India for transactions between Rs 400 - Rs 5,000, with a maximum waiver of Rs 500 per statement cycle

Fees & Charges
• Joining Fees: Nil
• Annual Fees: Nil

Eligibility
• Age: 25 to 50 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 25,000/monthly
• Self Employed: ITR > Rs 7,50,000/annum
• Credit Score: 700+

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips

Key Benefits
• Enjoy a lifetime-free credit card with no renewal fees
• Earn up to 20% Cashback on 2 selected categories every month (categories can be changed monthly)
• Unique 2-in-1 setup that combines the benefit of a Savings Account, a credit card, and UPI payment
• Instant approval with a virtual card, up to Rs 3 lakh limit, and up to 62 days interest-free credit
• Up to 7% Interest p.a. on Savings account
• Cashback is credited directly and can be used to pay your bill
• Transfer money instantly to nearby friends with just a shake of your phone
• Convert purchases into easy EMIs directly via the app

Fees & Charges
• Joining Fee: Nil
• Annual Fee: Nil

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 25,000 per month
• Self Employed: ITR > Rs 3 Lakhs per annum
• Credit Score: 700+
• New to Credit: Not Allowed

Key Benefits
• Get benefits worth up to Rs 23,000 with the Lifetime Free DCB novio RuPay Credit Card
• Start with a Fixed Deposit of Rs 2,000 and get a RuPay Credit Card—virtual for FDs between Rs 2,000 and Rs 9,999, or physical for Rs 10,000 and above—with a credit limit of up to 90% of your FD, which can be increased anytime by topping up your deposit
• Earn up to 15% Novio Coins on eligible UPI spends through Novio UPI
• Enjoy 1 Complimentary domestic airport lounge visit every quarter (4 per year) with the Select variant, applicable on a minimum Fixed Deposit of Rs 25,000
• Enjoy 5% discount (up to Rs 1,000*) on Amazon
• Buy 1 Get 1 FREE movie tickets on BookMyShow (up to Rs 250 OFF/month)
• Enjoy Rs 150 OFF on Zepto (Rs 50 OFF on orders above Rs 499, up to 3 times/month)
• Get Rs 100 OFF on Swiggy on orders of Rs 499 or above
• Save up to 20% on brands like Amazon, Flipkart, Myntra, PVR, Domino’s and 15+ more by redeeming novio Coins
• Enjoy welcome benefits, vouchers, and discounts from leading brands including HPCL, AJIO, Trends Footwear, Soch, Watcho, Pocket FM, The Man Company, Yatra, AbhiBus, PharmEasy, and WOW Skin Science

Fees & Charges
• Joining Fee: Nil
• Annual Fee: Nil

Eligibility
• Age: 21 to 65 years
• Minimum Funding Required: Rs 2000 (Physical Card available on FDs above Rs 10,000)

Key Benefits
• Enjoy a Lifetime Free Credit Card with No Joining or Renewal fees
• Earn 2 Reward Points for every Rs 150 spent on the card
• Instantly convert Reward Points to Air Miles or Hotel Loyalty Points via HSBC India Mobile Banking App and earn up to 6X on hotels, flights, and car rentals with the Travel With Points program
• Receive 2,000 bonus reward points on spending Rs 5,000 within the first 30 days and logging into the HSBC India Mobile Banking app
• Get a complimentary 3-month Swiggy One membership once you've activated your card
• Get Amazon Pay, Swiggy, or Zomato vouchers worth up to Rs 500 on card activation with a minimum single transaction of Rs 300
• Earn an additional Rs 250 Amazon eGift voucher on completing online application and Video KYC successfully
• Avail complimentary domestic flight seat selection benefits twice every year on bookings made via MakeMyTrip
• Complimentary 12-month Times Prime subscription, giving you free access to Spotify Premium, Uber One, Discovery+, Moneycontrol Pro, Lenskart Gold and more
• Earn Rs 250 Cashback per quarter on contactless fuel spends (up to Rs 10,000), plus fuel surcharge waiver up to Rs 250 per month on transactions between Rs 400 - Rs 4,000

Fees & Charges
• Joining Fees: Nil
• Annual Fees: Nil

Eligibility
• Age: 21 to 65 years
• Employment: Salaried and Self Employed
• Salaried Income: Rs 50000/monthly
• Self Employed: ITR > Rs 12,00,000/annually
• Credit Score: 750+

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Key Benefits
• Enjoy a lifetime-free credit card with no renewal fees. No documents or income verification required. Just a simple application and guaranteed approval
• Earn 5% Cashback on Amazon & Flipkart and up to 15% on Nykaa, Domino’s & 80+ top brand vouchers - real Cashback you can transfer directly to your bank account
• Earn Flat 2% Cashback on UPI payments via ZET with a Rs 99/monthly subscription required to activate this benefit using your RuPay Credit Card (Rs 500 p.m capping)
• Enjoy up to 20% Off on Swiggy, Zomato, Instamart, BookMyShow, and many more (Max discount Rs 100, once per month per partner)
• Save smart with up to 7% interest on your FD - build credit while your savings grow, all insured by RBI
• Enjoy up to 45 days of interest-free credit - pay later with zero interest

Fees & Charges
• Joining Fee: Nil
• Annual Fee: Nil

Eligibility
• Age: 21 to 65 years
• Minimum Funding Required: Rs 2,000

Key Benefits
• Earn up to Rs 4,000 cashback monthly on online spends with 2% on the first Rs 5,000, 5% on the next Rs 35,000, and 7% on spends above Rs 40,000
• You earn 5,000 EDGE Reward points (worth Rs 1,000) upon the first transaction within 30 days of card issuance
• Earn 0.75% unlimited cashback on offline and travel spends, along with 0.5% cashback on online utility bill payments (capped at Rs 100 per month)*

Fees & Charges
• Joining Fee: Rs 1000 + GST, offset by welcome benefits
• Annual Fee: Rs 1000 + GST, waived on Rs 4L+ spends annually

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Salaried or Self-Employed
• Salaried Income: Rs 50000/monthly
• Self Employed: ITR > Rs 6 Lakhs/annum
• Credit Score: 736+
• New to Credit: Not Allowed

Key Benefits
• First Year Free - till 30th Sep'2026
• 5% Cashback with every transaction on Flipkart (excluding Flipkart Health) and Cleartrip transactions (With a Rs 4,000 Cashback cap per merchant per quarter
• 7.5% Cashback with every transaction on Myntra (With a Rs 4,000 Cashback cap per quarter)
• 4% Cashback on Swiggy, PVR, Uber, and Cult.fit and 1% on other spends with no capping on Cashback*
• Get 1% fuel surcharge waiver on fuel purchases valid on transactions between Rs 400 – Rs 4000, capped up to Rs 400
• Get Welcome Benefits worth Rs 350 (a Rs 250 Flipkart Gift Voucher and an instant Rs 100 discount on Swiggy (for users new to Swiggy))

Fees & Charges
• Joining Fee: Nil (First Year Free - till 30th Sep'2026)
• Annual Fee: Rs 500 + GST, from second year onwards
• The annual fee is waived if you spend Rs 3,50,000 or more in the previous year

Documents Needed
• ID Proof: PAN Card/Form 60/Passport
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips/Form 16/ITR Return
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Monthly Income: Rs 25,000
• Self Employed: ITR > Rs 3,60,000/annum
• Credit Score: 736+
• New-to-Credit: Not Allowed

Key Benefits
• Buy 1 Get 1 Free On Movie Tickets - Get 100% discount on 2nd movie ticket booked via District app (Max. discount upto Rs 200/month/user)
• Save Rs 2,880 annually on Swiggy! Enjoy flat Rs 120 off on food orders twice a month on a minimum spend of Rs 500 per order. Offer not applicable on Haldiram's Restaurants
• 1 Complimentary Lounge access* per calendar quarter on select airports on spends of Rs 50,000 in previous 3 months
• Get 4 Edge reward point on every spend of Rs 200, Except on Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions and EMI transactions (1 RP = Rs 0.20)
• Enjoy a SonyLiv Premium annual subscription worth Rs 1499 on your first transaction within 30 days of card issuance
• Earn 1,000 Edge Reward Points on annual spends of Rs 1.5 lakhs in an anniversary year
• 1% Fuel Surcharge waiver on all fuel transactions between Rs 400 and Rs 4000 (Capped at Rs 400 per month)

Fees & Charges
• Joining Fee: Rs 500 + GST
• Annual Fee: Rs 500 + GST, waived off on spending Rs 1.5 Lakh in the preceding year

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Salaried or Self-Employed
• Salaried Income: Rs 25000/monthly
• Self Employed: ITR > Rs 360000/annum
• Credit Score: 736+
• New to Credit: Not Allowed

Key Benefits
• Lifetime free (No Joining/Annual fees)
• Enjoy the flexibility to choose from multiple networks including Visa, MasterCard, and RuPay
• Get 10% off on Blinkit (up to Rs 250 per month), 10% off on BookMyShow movie tickets (up to Rs 100 per month), and Rs 150 off on Myntra on spends above Rs 999
• 5% off on Mobile recharge/Broadband Payment/DTH recharge up to Rs 150 via Paytm applicable once a month on a minimum transaction of Rs 299*
• Get Rs 120 off on food delivery via Zomato twice per month on orders above Rs 499
• 100% Cashback up to Rs 300 on first utility bill payment within first 30 days of card issuance
• Enjoy Weekly Wednesday Delights with 15% off on flights/hotels via MakeMyTrip, 10% off on Swiggy, and up to Rs 1,000 off on Tira

Fees & Charges
• Joining Fee: NIL
• Annual Fee: NIL

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Salaried or Self-employed
• Salaried Income: Rs 25,000/monthly
• Self Employed: ITR > Rs 3,60,000/annum
• Credit Score: 736+
• New to Credit: Not Allowed

Key Benefits
• Lifetime Free Card - till 30th Oct'2026
• Get 8 free visits per year (2 per quarter) to domestic airport lounges. Just spend Rs 50,000 in the previous 3 months
• Enjoy 1 complimentary movie ticket per month (up to Rs 250) via District App using the promo code AXISPRIVILEGE
• Earn 5X EDGE Reward Points on flights and hotel bookings made through Travel EDGE
• Earn 10 EDGE Points for every Rs 200 spent on regular purchases, redeemable for vouchers, merchandise, travel, and more
• Save 1% (up to Rs 400 monthly) on fuel transactions between Rs 400 and Rs 4,000 at all fuel stations as fuel surcharge waiver
• Unlock exclusive Saturday-only discounts on popular platforms like Zomato, Blinkit, Swiggy, Instamart, and Yatra
• Spend Rs 2.5 Lakhs in a card anniversary year to unlock a milestone reward of 10,000 EDGE Points, valued at Rs 2,000

Fees & Charges
• Joining Fee: Nil
• Annual Fee: Nil

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Salaried or Self-Employed
• Salaried Income: Rs 50000/monthly
• Self Employed: ITR > Rs 6 Lakhs/annum
• Credit Score: 736+
• New to Credit: Not Allowed

Key Benefits
• Get 12,500 Edge Reward Points worth Rs 2,500 on spending Rs 2.5L within your card anniversary year
• Get two complimentary domestic lounge accesses per quarter (eight annually) with a Rs 50,000 spend in the past three months
• Enjoy exclusive Wednesday Offers with 15% off on flights & hotels (Goibibo, MMT) and 10% off on Swiggy, Amazon Fresh, & Tira (up to Rs 1,000)
• Avail Buy 1 Get 1 offer on movie tickets via the District app - up to Rs 250 off, once per month
• Get 10,000 Edge Reward Points worth Rs 2,000 on spending Rs 2.5 lakh annually, and enjoy an annual fee waiver on spending Rs 5 lakh
• Enjoy a 1% fuel surcharge waiver on transactions between Rs 400 and Rs 4,000, with savings of up to Rs 400 per statement cycle

Fees & Charges
• Joining Fee: Rs 1500 + GST
• Annual Fee: Rs 1500 + GST

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Salaried or Self-Employed
• Salaried Income: Rs 50000/monthly
• Self Employed: ITR > Rs 6 Lakhs/annum
• Credit Score: 736+
• New to Credit: Not Allowed

Key Benefits
• Earn 10X EDGE Reward Points for every Rs 125 spent at apparel and departmental stores (up to Rs 7,000 spend per month), and enjoy unlimited 2 EDGE Reward Points per Rs 125 spent across all other categories
• 2 Complimentary domestic airport lounge access per quarter (minimum eligible spend of INR 50,000 in previous 3 months)
• Get Rs 150 off on food delivery via Swiggy twice per month on orders above Rs 500
• Get 5,000 EDGE Reward Points as a Welcome benefit on spending Rs 1,000 or more within 30 days of card issuance
• 1,500 EDGE Reward Points on net purchases of Rs 30,000 per statement cycle as Milestone benefit

Fees & Charges
• Joining Fee: Rs 1000 + GST
• Annual Fee: Rs 1000 + GST

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Salaried or Self-Employed
• Salaried Income: Rs 25,000/monthly
• Self Employed: ITR > Rs 3,60,000/annum
• Credit Score: 736+
• New to Credit: Not Allowed

Key Benefits
• First Year Free – Limited-Time Offer
• Up to 15 Reward points per Rs 100 spent on dining, travel, online shopping, and international spends (capped at 5,000 per statement cycle and 1 point = Rs 0.25)
• Unlimited Complimentary Domestic Airport lounge access (on meeting spend criteria)
• Buy 1 Get 1 free movie ticket every month via District app
• Low 2% forex markup fee for international transactions
• Get 10,000 bonus reward points on spending Rs 50,000 within the first 60 days and 20,000 bonus points on annual spends of Rs 5 lakh
• Get a fit welcome gift and stay on top of your health with a complimentary 12-month FITPASS PRO membership worth Rs 48,000. Simply spend Rs 10,000 within 30 days of card issuance to unlock this exclusive benefit

Fees & Charges
• Joining Fee: Nil
• Annual Fee: Rs 2499 + GST
• The annual fee is waived off on spending Rs 2,50,000 or more

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Income: Rs 12,00,000/annum
• Credit Score: 650+

Key Benefits
• Earn Reward Points or Cashback on everyday spends such as groceries, fuel, dining, and bill payments (varies by specific card variant)
• Enjoy fast, secure tap-to-pay transactions with RuPay’s contactless technology, along with wide acceptance across retail stores, online merchants, and ATMs throughout India
• Access offers at partner restaurants, movie tickets, retail brands, and lifestyle merchants
• Get a fuel surcharge waiver (typically up to Rs 200 - Rs 400 per billing cycle) at most petrol pumps across India
• Special deals and discounts on Indian travel, e-commerce, and utility partners tied to RuPay offers
• Enjoy benefits like waiver of annual fee, reward redemption bonuses, and balance transfer offers (depending on the card)
• 24×7 card support, transaction alerts, and secure online banking integration with HDFC’s app/online services

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 25000/monthly
• Self Employed: ITR > Rs 6 Lakhs/annum
• Credit Score: 750+
• New-to-Credit: Allowed

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Fees & Charges
• Joining Fee: Rs 99 + GST
• Annual Fee: Rs 99 + GST. The Annual Fee is waived, if you spend Rs 25,000 or more in the previous year

Key Benefits
• Enjoy 0% forex markup on all international transactions, helping you save the foreign currency conversion fee usually charged on overseas spends
• Get 32 complimentary lounge visits annually, including 4 domestic airport lounge visits per quarter (with 1 complimentary guest visit), 4 international airport lounge visits per quarter, and 4 railway lounge visits per quarter. Lounge access is subject to the card being active and the bank's applicable terms
• Enjoy Buy 1 Get 1 movie tickets on BookMyShow twice every month, with up to Rs 500 off on the second ticket. Applicable on spending Rs 20,000 or more in the previous calendar month
• Earn 12,000 Reward Points (worth up to Rs 6,000) as welcome benefits – 4,000 points on joining fee payment, 4,000 points on spending Rs 20,000 in the second statement cycle, and another 4,000 points on spending Rs 20,000 in the third statement cycle
• Earn 5X Reward Points on spends up to Rs 20,000 in a statement cycle and 10X Reward Points on incremental spends above Rs 20,000. Earn accelerated Reward Points on eligible travel bookings made through the IDFC FIRST App. Reward Points never expire while the card remains active
• Enjoy up to 24 complimentary golf lessons every year (maximum 2 per month) along with complimentary golf rounds, subject to a minimum spend of Rs 20,000 in the previous calendar month
• Get reimbursement of up to Rs 50,000 twice a year for eligible non-refundable flight and hotel booking cancellations as Trip cancellation cover

Fees & Charges
• Joining Fee: Rs 5999 + GST
• Annual Fee: Rs 5999 + GST, from second year onwards
• The annual fee is waived upon spending Rs 1500000 in the preceding year

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Credit Score: 720+
• New to Credit: Not Allowed

Key Benefits
• Save up to 6.5% on fuel purchases at authorised HPCL fuel stations. Earn 30 Reward Points for every Rs 150 spent (up to 5% value back) and 6 Happy Coins for every Rs 100 spent when payment is made through the HP Pay App (additional 1.5% value back)
• Earn 30 Reward Points for every Rs 150 spent on grocery purchases, utility bill payments and IDFC FIRST FASTag recharges, offering up to 5% value back
• Earn 3x reward points (3 points per Rs 150) on all other UPI transactions and retail, non-fuel, and non-utility spends under the general reward scheme
• Receive a Rs 500 cashback on your first HPCL fuel transaction of Rs 500 or more completed within 30 days of card setup. Also enjoy 5% cashback (maximum Rs 1,000) on your first EMI conversion within 30 days of card activation, along with merchant welcome offers worth up to Rs 1,000
• Enjoy 1 complimentary domestic airport lounge visit every quarter by spending Rs 20,000 or more in the current calendar month
• Personal Accident Cover of Rs 2,00,000 and Lost Card Liability Cover of Rs 25,000
• Get 25% instant discount on movie ticket bookings, up to a maximum discount of Rs 100 per month. The offer is available only after completing at least one transaction in the previous calendar month

Fees & Charges
• Joining Fee: Rs 499 + GST
• Annual Fee: Rs 499 + GST, from second year onwards
• The annual fee is waived upon spending Rs 1,50,000 in the preceding year

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 25000/monthly
• Self Employed: Rs 500000/annum
• Credit Score: 720+

Key Benefits
• No Joining or Annual Fees
• Unlock up to 6X reward multipliers based on your annual spending, earning rewards worth up to Rs 8,000 each year. Plus, convert your Reward Points to Maharaja Points at a 1:1 ratio (100 Reward Points = 100 Maharaja Points)
• Enjoy 10 Complimentary airport lounge visits annually, including 8 Domestic Lounge visits (2 per quarter) and 2 International Lounge visits via Priority Pass membership
• Avail 2 Complimentary movie ticket worth up to Rs 500 on BookMyShow annually (Once every 6 months)
• Get 4 complimentary golf games or golf lessons every year
• Enjoy forex markup fee of 1.5% on overseas transactions

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 20,000 per month
• Self Employed: Rs 30,000 per month
• Credit Score: 700+
• New to Credit: Allowed
• No delayed payments in the last 12 months

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Fees & Charges
• Lifetime Free Card
• Joining Fee: Nil
• Annual Fee: Nil

Key Benefits
• Enjoy a lifetime-free credit card with no renewal fees
• Earn up to 8 Reward Points per Rs 150 on select categories like travel, electronics, and departmental stores. Base earning is 4 points per Rs 150 (up to Rs 2 lakh annual spend), increasing to 8 points beyond that
• Spend Rs 1.25 lakh every 6 months and get 4 PVR tickets or 10,000 bonus points (up to 8 tickets/year)
• Save up to Rs 500 per year on railway bookings via IRCTC or counters
• Enjoy 1% waiver on fuel transactions (Rs 500 - Rs 4,000), capped at Rs 3,500 annually

Fees & Charges
• Joining Fee: Nil
• Annual Fee: Nil

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 25,000 per month
• Self Employed: ITR > Rs 3 Lakhs per annum
• Credit Score: 700+
• New to Credit: Not Allowed

Key Benefits
• Lifetime FREE - No Joining or Annual fee
• Earn 3X Reward Points on eligible online and offline spends up to Rs 20,000 per statement cycle. Earn 10X Reward Points on Dining, Travel and International spends, as well as on Birthday spends. Utility, Insurance, IDFC FASTag and Railway transactions earn 1X Reward Points, while Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: Rs 0.25 per point
• Enjoy 4 complimentary railway lounge visits every quarter (16 visits annually). To unlock the benefit, spend Rs 20,000 or more in the previous calendar month
• Spend Rs 5,000 within 30 days of card activation and receive a Rs 500 welcome voucher (choice of partner brands). Also get 5% cashback (up to Rs 1,000) on your first EMI transaction within 30 days of card activation
• Receive complimentary roadside assistance worth Rs 1,399, covering towing, flat tyre assistance, battery jump-start, emergency fuel delivery and related roadside services
• Reward Points are valid for 24 months from the credit date. For instance, points earned in the July 2026 cycle will be valid till June 2028. Existing balances as of July 2026 will also remain valid for 24 months. Points can be redeemed for flights, hotels, vouchers, merchandise, and more. A Rs 99 + GST fee applies per redemption
• Save up to 20% at 1,500+ partner restaurants across India through the bank's dining programme

Fees & Charges
• Joining Fee: Nil
• Annual Fee: Nil

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 25,000/monthly
• Self Employed: Rs 3,00,000/annum
• Credit Score: 720+

Key Benefits
• Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions (Capped at Rs 4000/month combined for both Online & Offline Spends)
• Offline spends: Get 1% cashback on everyday purchases (eligible offline categories)
• Online + offline cashback combined is capped at Rs 4,000 per statement cycle - save Rs 48,000/year
• Fuel surcharge waiver: 1% waiver on transactions between Rs 500– Rs 3,000, capped at Rs 100 per statement cycle. No cashback is earned on fuel
• Cashback is auto-credited to your SBI Card account within 2 working days of statement generation

Fees & Charges
• Joining Fee: Rs 999 + GST, you get more EarnKaro Profit than this
• Annual Fee: Rs 999 + GST, from second year onwards
• The annual fee is waived if you spend Rs 2,00,000 or more in the previous year

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Income: Rs 30,000
• Credit Score: 650+ with no delayed payments in the past 12 months
• New-to-Credit: Allowed only for salaried applicants

Key Benefits
• Premium Lifestyle: Free lounges, free movies, concierge, low forex - all in one card
• 8 complimentary domestic lounge visits/year (2/quarter)
• 6 complimentary international lounge visits/year + Priority Pass membership (first 2 years)
• Lowest Foreign Currency Mark-up charge at 1.99% on International usage
• 2 free BookMyShow movie tickets every month (~ Rs 6,000 annual value)
• Bonus Rewards: Up to 50,000 RP annually on milestone spends worth Rs 12,500
• Welcome Gift: Rs 5,000 e-voucher
• Concierge + premium customer support
• Fuel Surcharge Waiver: 1% on Rs 500-Rs 4,000, capped at Rs 250/month

Fees & Charges
• Joining Fee: Rs 4999 + GST, covers with a Welcome benefit worth Rs 5,000
• Annual Fee: Rs 4999 + GST, from second year onwards
• The Renewal fee is waived if your annual spends is Rs 10,00,000 or more in the previous year

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Income: Rs 60,000/monthly (Salaried) & Rs 7,20,000/annually (Self-Employed)
• Credit Score: 750+ with no delayed payments in the past 12 months
• New-to-Credit: Not Allowed

Key Benefits
• Partner brands: 10X Reward Points = 2.5% back (Rs 2.50/Rs 100) at Amazon, BookMyShow, Cleartrip, Apollo24x7, Yatra, Netmeds, EazyDiner, Swiggy
• Other online spends: 5X RP = 1.25% back
• Offline spends: 1 RP/Rs 100 = 0.25% back
• Welcome Benefit: Rs 500 Amazon voucher on payment of joining fee
• Milestone rewards: Rs 2,000 Cleartrip/Yatra voucher on annual online spend of Rs 1L + another Rs 2,000 voucher at Rs 2L - Rs 4,000 total per year
• Fuel waiver: 1% surcharge refund on Rs 500-Rs 3,000 transactions; capped at Rs 100/month

Fees & Charges
• Joining Fee: Rs 499 + GST, Rs 500 Amazon voucher as welcome benefit covers this cost
• Annual Fee: Rs 499 + GST, from second year onwards
• The annual fee is waived if you spend Rs 1,00,000 or more in the previous year

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Income: Rs 25,000
• Self Employed: ITR > Rs 4,80,000/annum
• Credit Score: 720+ with no delayed payments in the past 12 months
• New-to-Credit: Allowed only for salaried applicants

Key Benefits
• No Joining or Annual Fees
• Enjoy International Transactions without any additional foreign currency markup fees
• Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs 20,000 on the card every month
• Earn 20 Scapia Coins per Rs 100 on travel bookings (flights & hotels) via the Scapia app. Earn 10 Scapia Coins per Rs 100 on most online & offline spends
• Scapia Coins can be redeemed on Scapia App for any travel (Flight/Stays/Train/Bus) bookings for 100% of the booking value (5 Scapia Coins = Re 1)

Fees & Charges
• Joining Fees: Nil
• Annual Fees: Nil

Eligibility
• Age: 23 to 40 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 30,000/Monthly
• Self Employed: Rs 4,00,000/Annually
• Credit Score: 730+
• New to Credit: Not Allowed

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Key Benefits
• Earn 1% cashback on all eligible transactions. Cashback is excluded on fuel, rent, EMI, e-wallet loading, and government-related spends
• 5% Cashback on Smartbuy capped at 500 points monthly. Offer is valid on Successful Transactions completed on SmartBuy under categories like IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor only. This Offer is not valid on offers given by individual merchants under offers section
• 1% Cashback on UPI Spends, (capped at 500 cash points monthly; Applicable only for PIXEL RuPay Credit Card holders)
• Exclusive dining offers, Upto 25% discount on partner restaurants via Swiggy Dineout (capped at Rs 300 per month)
• Up to 25% off on restaurant bills via Swiggy Dineout (capped at Rs 300/month, Swiggy app only)
• 1% Fuel surcharge waiver capped at 1% applicable for transactions between Rs 400 to Rs 5000 & Maximum waiver of Rs 250 per statement cycle

Eligibility
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Salaried Income: Rs 20,000 per month
• Self Employed: Rs 50,000 per month
• Credit Score: 750+
• Minimum Funding Required (FD-Backed Variants): Rs 15,000 (Pixel Go) and Rs 50,000 (Pixel Play)

Documents Needed
• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or Salary slips
• Photograph: Recent passport-sized photo

Fees & Charges
• Joining Fee: Rs 250 + GST
• Annual Fee: Rs 250 + GST