Choose by what you actually spend
Set your month. We run it through every schedule and rank the cards in rupees, after the annual fee.Your month
₹55,000
₹6,60,000 a year
₹10,000
₹20,000
₹5,000
₹0
₹10,000
₹0
₹5,000
₹5,000
Nothing is stored — this runs in your browser and resets when you leave. Caps are applied monthly, fees deducted annually, lounge value excluded.
What each card pays you
net of annual feeSet your spends to see recommendations.
Reward-rate data is limited for these categories right now, so this list is ranked by annual fee only — not category-weighted rewards.
Compare the top three →→Rates read from each issuer's published fee schedule.
Latest briefings
All briefings →Educational Guide28 Sept 2026Accor Live Limitless (ALL) Strategy Guide (2026): 2x Value via Indian Credit CardsMaster the Accor Live Limitless (ALL) loyalty ecosystem with Indian credit cards. Learn the 1:2 Axis Atlas transfer route, the €40/2000-pt (₹2.00 INR flat) monetary peg, domestic luxury sweet spots, and zero-expiry hacks.2 cards affectedEducational Guide28 Sept 2026Air India Maharaja Club (Flying Returns) 2026 Audit: Domestic Sweet Spots & Post-Vistara MathAn insider guide to Air India's revamped Maharaja Club loyalty program post-Vistara merger. Discover high-yield domestic redemptions (Leh, Port Blair, Srinagar), Star Alliance partner awards, taxes, and credit card transfer ratios.2 cards affectedEducational Guide28 Sept 2026Axis Bank Home Loan & Shubh Aarambh Review (2026): The 12-EMI Waiver Catch DecodedAn unvarnished review of Axis Bank Home Loans and the Shubh Aarambh 12-EMI waiver scheme. Learn the 4-year milestone rules, zero-default disqualification traps, rate spread math, and hidden charges.Educational Guide28 Sept 2026Bank of Baroda Home Loan Advantage Review (2026): The Zero-Markup Overdraft KingAn insider review of Bank of Baroda's Home Loan Advantage overdraft facility. Discover why BoB beats SBI MaxGain with zero rate spread markup, daily interest savings math, processing fee waivers, and fine print.
Learn the mechanics
Five terms that decide whether a card is worth its fee. Learn these and the rankings above become obvious.Annual Percentage Rate (APR)The yearly interest rate charged on any balance you carry past your due date, expressed as a percentage. Indian card issuers typically charge this monthly (often 3-3.99%), which compounds to a much higher effective annual rate.A monthly rate of 3.5% is a 42% nominal annual rate, but compounds to a roughly 51% effective annual rate if a balance is carried for a full year.
Grace periodThe interest-free window between your statement date and payment due date, usually 18-50 days, during which you pay no interest on new purchases if the previous statement balance was paid in full.Miss the due date by even one day and the grace period is void — interest is then charged retroactively from the transaction date on the entire outstanding balance, not just the unpaid part.
Lounge access capA limit on how many complimentary airport lounge visits a card offers per quarter or year, and often a minimum quarterly spend threshold that must be met to unlock or keep those visits.A card advertising 'unlimited domestic lounge access' may still require ₹1 lakh+ of spend in the prior quarter to actually qualify.
Fuel surcharge waiverA refund (usually 1% of the transaction, capped monthly) of the surcharge fuel pumps add on card payments, credited back as a statement adjustment rather than skipped at the pump.A waiver capped at ₹250/month stops helping once your monthly fuel spend crosses roughly ₹25,000, since the surcharge saved beyond that isn't refunded.
Milestone benefitA bonus reward — extra points, a voucher, or a fee waiver — triggered once cumulative spend on the card crosses a set threshold within a defined period, on top of the regular per-transaction rewards rate.Spending ₹3 lakh in a card year might unlock a ₹3,000 milestone voucher — separate from and additional to whatever points you already earned on those transactions.
Educational GuideAccor Live Limitless (ALL) Strategy Guide (2026): 2x Value via Indian Credit CardsMaster the Accor Live Limitless (ALL) loyalty ecosystem with Indian credit cards. Learn the 1:2 Axis Atlas transfer route, the €40/2000-pt (₹2.00 INR flat) monetary peg, domestic luxury sweet spots, and zero-expiry hacks.Educational GuideAir India Maharaja Club (Flying Returns) 2026 Audit: Domestic Sweet Spots & Post-Vistara MathAn insider guide to Air India's revamped Maharaja Club loyalty program post-Vistara merger. Discover high-yield domestic redemptions (Leh, Port Blair, Srinagar), Star Alliance partner awards, taxes, and credit card transfer ratios.Educational GuideAxis Bank Home Loan & Shubh Aarambh Review (2026): The 12-EMI Waiver Catch DecodedAn unvarnished review of Axis Bank Home Loans and the Shubh Aarambh 12-EMI waiver scheme. Learn the 4-year milestone rules, zero-default disqualification traps, rate spread math, and hidden charges.
Follow changes to your cards
Read recorded card changes and the latest briefings. Check the dated sources before deciding.