Credit cards
Find your perfect card
Compare 149 best-in-class Indian credit cards. Model your real spend to see which card nets you the most each year.
Points calculator
Model your spend
Enter your typical monthly spends. We'll find the card that maximizes your yearly return — net of fees.
₹15.0K
₹5.0K
₹3.0K
₹4.0K
₹8.0K
₹3.0K
₹7.0K
Monthly total
₹45.0K
Recommended
Your best match
HDFC Bank
HDFC Swiggy
Heavy Swiggy / food delivery users
Annual rewards
₹21.4K
Annual fee
₹500
Net value
₹21.4K
10% cashback on Swiggy (food, Instamart, Dineout)
5% on online spends
1% everywhere else
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Showing 8 of 149 cards
American Express · Premium
Amex Platinum Charge
Ultra-premium lifestyle — Amex's flagship card in India
4.9
Annual fee
₹60.0K
Avg return
1.82%
Net / year
₹-50,160
Unlimited airport lounges worldwide (Centurion + Priority Pass)
Marriott Gold Elite
IHG Platinum Elite
American Express · Premium
Amex Centurion
UHNWI requiring exclusive global access and services
4.9
Annual fee
₹5.00 L
Avg return
3.13%
Net / year
₹-4,83,080
Invite-only black card
Personal relationship manager
Unlimited Centurion lounge globally
HDFC Bank · Premium
HDFC Infinia Metal
Ultra high spenders wanting best-in-class rewards
4.8
Annual fee
₹12.5K
Avg return
2.85%
Net / year
₹2.9K
1:1 SmartBuy point conversion
Unlimited airport lounges
Golf access worldwide
Fee waiver: Spend ₹10L/year
ICICI Bank · Premium
ICICI Emeralde Private Metal
Ultra-premium lifestyle with ₹10L+ spend
4.8
Annual fee
₹12.5K
Avg return
4.67%
Net / year
₹12.7K
6 points per ₹200 on all spends
Unlimited airport lounges (self + guest)
Complimentary Taj Epicure membership
Fee waiver: Spend ₹10L/year
Axis Bank · Premium
Axis Reserve
Ultra-premium users: best-in-class rewards at top-tier fee
4.8
Annual fee
₹50.0K
Avg return
4.09%
Net / year
₹-27,920
Unlimited international + domestic lounges
Marriott Gold Elite status
Golf unlimited access
Axis Bank · Travel
Axis Magnus Burgundy
Frequent travelers with ₹5L+ annual spend
4.7
Annual fee
₹12.5K
Avg return
3.57%
Net / year
₹6.8K
5x EDGE points on travel
Unlimited domestic lounges
8 international lounges
Fee waiver: Spend ₹25L/year
ICICI Bank · Cashback
Amazon Pay ICICI Card
Amazon Prime members — truly free rewards
4.7
Annual fee
Free
Avg return
2.60%
Net / year
₹14.0K
5% on Amazon for Prime users
3% for non-Prime on Amazon
2% on 100+ Amazon Pay merchants
HDFC Bank · Premium
HDFC Diners Club Black
Premium lifestyle spenders and globetrotters
4.7
Annual fee
₹10.0K
Avg return
2.85%
Net / year
₹5.4K
10x points on SmartBuy
2x points on weekend dining
Unlimited airport lounges globally
Fee waiver: Spend ₹8L/year