Rankings & Decision Engine
Set your month. We run it through every schedule and rank the cards in rupees, after the annual fee.
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.
Browse All Cards
sorted by annual feeAnnual Fee₹0
Rewards Rate5% Prime / 3% non-Prime eligible Amazon.in; 2% partner tier scope pending; 1% eligible other spend
Annual Fee₹0 (Lifetime Free)
Rewards Rate2% Kiwi Cash on RuPay UPI · 1% on Online & POS Retail · 1% Fuel Surcharge Waiver
Annual Fee₹0 (Lifetime Free Base Card)
Rewards RateCustomizable 5% Cashback · Up to 10X Points · On-Demand Lounge for ₹299
Annual Fee₹0 (Joining Fee ₹199)
Rewards Rate0.99% Ultra-Low Forex Markup · 2 Reward Points / ₹100 on retail · 16 Lounges
Annual Fee₹0 (Lifetime Free)
Rewards Rate3% Flat on Food & Cabs · 1% other spends · Numberless Security · RuPay UPI
Annual Fee₹0 (100% Lifetime Free)
Rewards RateUp to 8X Booster Stars (1 Star = ₹1) on GPay UPI · ₹500 Welcome Gift · LTF
Annual Fee₹0 (100% Lifetime Free)
Rewards Rate4.0% (20 EDGE pts / ₹100) at IOCL · 1% on Online Shopping · 1% Fuel Surcharge Waiver
Annual Fee₹0 (Lifetime Free)
Rewards Rate2% Cashback on UPI QR Scans · 0.5% other · Instant Bank Account Credit · 100% LTF
Annual Fee₹0 (Lifetime Free)
Rewards Rate2% on LIC Insurance Premiums (2 RP/₹100) · 1% other retail · 1 Point = ₹1.00 · 100% LTF
Annual Fee₹0 (Lifetime Free)
Rewards Rate2% on LIC Insurance Premiums (2 RP/₹100) · 2% Foreign Spends · 8 Lounges
Annual Fee₹500 + GST (Often issued Lifetime Free)
Rewards RateBOGO Paytm Movies (₹200/mo) · ₹240/mo Swiggy · SonyLIV Premium
Annual Fee₹250 + GST (Often Lifetime Free)
Rewards Rate40% on Zomato · 10% on Blinkit · 10% on Myntra · 5% on Amazon Pay
Annual Fee₹500 + GST (First Year Free for Defence)
Rewards Rate8 EDGE Points / ₹200 (1.0%) · 8 Airport Lounges · 15% Dining Delights · RuPay UPI
Annual Fee₹999 + GST (First Year Free promotional offer)
Rewards Rate4 RP / ₹200 general retail · 2× on grocery & travel · EazyDiner 15% off
Annual Fee₹499 + GST (First Year Free promotional offer)
Rewards Rate2 RP / ₹200 general retail · Accelerated on grocery & apparel · BookMyShow 20% off
Annual Fee₹0 (Lifetime Free)
Rewards Rate5X Rewards (5 pts / ₹100) on Dining, Online Shopping & Utility Bills · 4 Domestic Lounges/Year · 1% Fuel Surcharge Waiver
Annual Fee₹0 (Lifetime Free)
Rewards Rate5X Rewards (5 pts / ₹100) on Groceries, CSD Canteens & Movies · Up to ₹50 Lakhs Accidental Death Cover · 8 Lounges/Year · 1% Fuel Surcharge Waiver
Annual Fee₹0 (Lifetime Free)
Rewards Rate2 Reward Points per ₹100 spent (0.40% effective value) · 100% Guaranteed Issuance
Annual Fee₹0 (100% Lifetime Free)
Rewards Rate5X Rewards (5 pts / ₹100 = 1.25%) on UPI QR Payments · 1% Fuel Waiver · Zero Fee
Annual Fee₹0 (100% Lifetime Free)
Rewards Rate3X on UPI & Tap-to-Pay (1.5%) · 1 pt/₹100 Base · 'Pay by 3' 3-Month Split
Annual Fee₹0 (Lifetime Free)
Rewards Rate3X Rewards on Travel & International · 2X on Dining · 1X Other · 2.0% Reduced Forex Markup
Annual Fee₹0 (Lifetime Free)
Rewards Rate3X Rewards on Health Care & Grocery · 2X on Utilities · 1X Other · Dynamic APR from 1.99% p.m.
Annual Fee₹0 (Lifetime Free)
Rewards Rate10% Cashback on First 3 UPI Transactions · 1 Reward Point / ₹100 spent · 1% Fuel Surcharge Waiver
Annual Fee₹0 (Lifetime Free)
Rewards Rate3X Rewards on Apparel & Electronics · 2X on Entertainment · 1X Other · Dynamic APR from 1.99% p.m.
Credit cards by issuer
Browse every card review directly, grouped by issuer.
American Express6 cards
AU Small Finance Bank16 cards
- AU Kosmo Credit Card
- Au Lit Credit Card
- AU NOMO Credit Card
- AU Business Cashback Credit Card
- AU Prathama Credit Card
- Au Altura Credit Card
- AU Altura Plus Credit Card
- AU Zaggle Credit Card
- AU Tejas Credit Card
- AU Ixigo Credit Card
- AU Laksya Credit Card
- AU Ananta Credit Card
- Au Vetta Credit Card
- AU Traverse Credit Card
- AU Zenith Plus Credit Card
- AU Zenith Credit Card
Axis Bank37 cards
- Fibe Axis Bank Credit Card
- Google Pay Flex Axis Bank Credit Card
- IndianOil Easy Axis Bank Credit Card
- Kwik Axis Bank Credit Card
- LIC Axis Bank Platinum Credit Card
- LIC Axis Bank Signature Credit Card
- Axis Bank MY ZONE Credit Card
- Neo Credit Card
- Axis Bank Pride Signature Credit Card
- Axis Bank Freecharge Credit Card
- Axis Bank Pride Platinum Credit Card
- Axis Bank Ace Credit Card
- Airtel Axis Bank Credit Card
- Flipkart Axis Bank Credit Card
- Flipkart Axis Bank Super Elite Credit Card
- INDIANOIL AXIS BANK Credit Card
- Samsung Axis Bank Signature Credit Card
- Axis Bank Shoppers Stop Credit Card
- Axis Bank Aura Credit Card
- SpiceJet Axis Bank Voyage Credit Card
- IndiGo Axis Bank Credit Card
- Axis Cashback Credit Card
- IndianOil Axis Bank Premium Credit Card
- Axis Bank REWARDS Credit Card
- Privilege Easy Credit Card
- AXIS BANK VISTARA Credit Card
- SpiceJet Axis Bank Voyage Black Credit Card
- Axis Bank HORIZON Credit Card
- Axis Bank Select Credit Card
- Axis Bank Vistara Signature Credit Card
- Miles and More Axis Bank Credit Card
- Axis Bank Atlas Credit Card
- IndiGo Axis Bank Premium Credit Card
- Samsung Axis Bank Infinite Credit Card
- Axis Bank Vistara Infinite Credit Card
- Axis Bank Magnus Credit Card
- Axis Bank Reserve
Bandhan Bank4 cards
Bank of Baroda12 cards
BOBCard2 cards
BOBCARD Limited1 cards
CSB Bank1 cards
DCB Bank1 cards
Equitas Small Finance Bank3 cards
Federal Bank5 cards
Federal Bank / BOBCARD / Axis Bank1 cards
HDFC Bank47 cards
- HDFC Flipkart Wholesale Credit Card
- HDFC Phonepe Ultimo Credit Card
- HDFC Phonepe Uno Credit Card
- HDFC Swiggy Ornge Credit Card
- HDFC UPI RuPay Credit Card
- HDFC Tata Neu Plus Credit Card
- Bharat Credit Card
- HDFC Diners Club Rewardz Credit Card
- HDFC Doctors Superia Credit Card
- HDFC Bank Freedom Credit Card
- HDFC Indian Oil Credit Card
- HDFC Irctc Credit Card
- HDFC Money Back Credit Card
- HDFC Moneyback Plus Credit Card
- HDFC Paytm Business Credit Card
- HDFC Pixel Go Credit Card
- HDFC Pixel Play Credit Card
- HDFC Platinum Edge Credit Card
- HDFC Platinum Plus Credit Card
- Shoppers Stop HDFC Bank Credit Card
- HDFC Swiggy Blck Credit Card
- Swiggy HDFC Bank Credit Card
- HDFC Teachers Platinum Credit Card
- HDFC Titanium Edge Credit Card
- HDFC Solitaire Credit Card
- HDFC All Miles Credit Card
- HDFC Diners Club Miles Credit Card
- HDFC Intermiles Platinum Credit Card
- HDFC Jetprivilege Titanium Credit Card
- HDFC Millennia Credit Card
- HDFC Regalia FIRST Credit Card
- HDFC Superia Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
- HDFC Diners Club Premium Credit Card
- HDFC Diners Privilege Credit Card
- HDFC Doctors Regalia Credit Card
- HDFC Intermiles Diners Club Credit Card
- HDFC Intermiles Signature Credit Card
- HDFC Bank Regalia Credit Card
- HDFC Bank Regalia Gold Credit Card
- Visa Signature Credit Card
- HDFC Marriott Bonvoy Credit Card
- HDFC Shoppers Stop Black Credit Card
- HDFC Diners Club Black Credit Card
- HDFC Diners Club Black Metal Edition Credit Card
- HDFC Bank Infinia Credit Card
- HDFC Infinia Metal Edition Credit Card
HSBC6 cards
ICICI Bank21 cards
- Amazon Pay ICICI Bank Credit Card
- ICICI Bank Corporate Gold Credit Card
- ICICI Bank Parakram Select Credit Card
- ICICI Bank Platinum Chip Credit Card
- ICICI Bank HPCL Coral Credit Card
- ICICI Bank Coral Credit Card
- ICICI Bank HPCL Super Saver Credit Card
- Adani One ICICI Bank Platinum Credit Card
- ICICI Bank MakeMyTrip Credit Card
- Emirates Rubyx Credit Card
- ICICI Bank Jet Airways Credit Card
- ICICI Bank Rubyx Credit Card
- ICICI Signature Credit Card
- ICICI Bank Sapphiro Credit Card
- Adani One ICICI Bank Signature Credit Card
- Emirates Skywards ICICI Bank Sapphiro Credit Card
- ICICI Emirates Emeralde Credit Card
- ICICI Bank Emeralde Credit Card
- ICICI Bank Emeralde Private Metal Credit Card
- Times Black ICICI Bank Credit Card
- ICICI Bank 1838 Reserve Credit Card
IDFC FIRST Bank14 cards
- IDFC FIRST Business Max Credit Card
- IDFC FIRST Bank Diamond Reserve Credit Card
- IDFC FIRST Bank Select Credit Card
- IDFC FIRST Classic Credit Card
- IDFC FIRST Millennia Credit Card
- IDFC FIRST Wealth Credit Card
- IDFC FIRST Bank LIC Classic & Select Credit Card
- IDFC First WOW Credit Card
- IDFC FIRST Power Credit Card
- IDFC FIRST SWYP Credit Card
- IDFC FIRST Ashva Metal Credit Card
- Club Vistara IDFC FIRST Bank Credit Card
- IDFC FIRST Mayura Metal Credit Card
- IDFC FIRST Private Credit Card
Kotak Mahindra Bank23 cards
- Kotak 811 #DreamDifferent Credit Card
- Kotak Infinite Credit Card
- Kotak RuPay UPI Virtual Credit Card
- Kotak Privy League Signature Credit Card
- Kotak Urbane Gold Credit Card
- Kotak Biz Credit Card
- Kotak Cashback Credit Card
- Kotak League Credit Card
- PVR Kotak Gold Credit Card
- Kotak Myntra Credit Card
- Kotak 6E Rewards IndiGo Credit Card
- Kotak Air Credit Card
- Kotak PVR Credit Card
- Kotak Royale Signature Credit Card
- Kotak Signature Credit Card
- PVR Kotak Platinum Credit Card
- Kotak Mojo Platinum Credit Card
- Kotak Platinum Credit Card
- Kotak Essentia Credit Card
- Kotak Zenith Credit Card
- Kotak Delight Credit Card
- Kotak White Credit Card
- Kotak White Reserve Credit Card
PNB1 cards
Punjab National Bank7 cards
SBI Card23 cards
- SBI Card Unnati
- IRCTC SBI Credit Card
- BPCL SBI Card
- SBI Fbb Credit Card
- Paytm SBI Credit Card
- SBI SimplyCLICK Credit Card
- SBI SimplySAVE Credit Card
- Tata Neu Plus SBI Credit Card
- Yatra SBI Credit Card
- CASHBACK SBI Card
- Apollo SBI Card SELECT
- BPCL SBI Card Octane
- Club Vistara SBI Card
- SBI Pulse Credit Card
- Shaurya Select SBI Card
- Tata Neu Infinity SBI Credit Card
- Doctor's SBI Credit Card
- Miles & More SBI Credit Card
- Karur Vysya Bank SBI Platinum Credit Card
- SBI Prime Credit Card
- Air India SBI Card
- SBI Elite Credit Card
- SBI Aurum Credit Card