Top 10 Best Credit Cards In India

Best Credit Cards in India 2026 – Quick Comparison

Note: Fees, rewards, eligibility requirements and benefits are subject to change. Verify the current issuer terms before applying.

How We Selected These Credit Cards

There is no single credit card that is the right choice for everyone. We compare credit cards based on factors that can affect their overall value and suitability for different spending needs.

Our comparison considers:

• Joining and annual fees
• Cashback and reward rates
• Spending categories eligible for accelerated rewards
• Welcome and milestone benefits
• Annual fee waiver conditions
• Travel and airport lounge benefits
• Fuel-related benefits
• International transaction charges
• Reward redemption options
• Eligibility criteria
• Reward exclusions, limits and other applicable conditions

The right credit card depends on your spending habits, financial requirements and the benefits you are most likely to use. Always review the latest fees, terms and conditions provided by the card issuer before applying.

10 Best Credit Cards in India 2026

1. IDFC First Millennia Credit Card

Suitable For: Everyday spending, online shopping, dining and lifestyle purchases.

Joining Fee: Nil

Annual Fee: Nil

The FIRST Millennia Credit Card is suitable for young professionals and everyday spenders looking for a lifetime-free card with rewards on eligible online, dining, travel and lifestyle transactions. Here are the benefits.

Features and Benefits:

• Lifetime free credit card
• Eligibility: Minimum annual income of ₹3 lakh.
• Welcome Voucher: Get a ₹500 welcome voucher when you spend ₹5,000 or more within 30 days of card activation.
• EMI Cashback:Get 5% cashback, up to ₹1,000, on your first eligible EMI transaction within 30 days of card activation.
• Interest Rate / APR: 8.5% - 46.2% per annum
• Cash Withdrawal: 0% interest for up to 45 days; ₹199 + GST per transaction
• Rewards:
  • 10X Reward Points on eligible dining, travel and international transactions, as well as eligible birthday spends.
  • Earn 3X Reward Points on eligible spends, subject to applicable exclusions and reward programme terms.
  • Earn 1 Reward Point for every ₹200 spent on eligible utility bill payments, insurance premium payments, railway transactions and FASTag recharges.
• Discounts:
  • Discount of 25% on your movie ticket up to Rs. 100, monthly.
  • Enjoy up to 20% off at 1,500 restaurants across India.
• Cash Withdrawals:
  • Withdraw up to ₹10,000 per transaction at domestic or international ATMs, subject to the available cash limit. A ₹199 + GST transaction fee applies, while interest is not charged for up to 45 days.

2. ICICI Bank Instant Platinum Credit Card

Suitable For: Everyday spending, reward points and eligible HPCL fuel transactions.

Joining Fee: Nil

Annual Fee: Nil

The ICICI Bank Platinum Chip Credit Card is a no-annual-fee card designed for everyday spending, offering reward points on eligible transactions and fuel surcharge benefits at participating HPCL outlets.

Features and benefits:

• 1% Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on eligible fuel transactions of ₹400 to ₹4,000 at HPCL fuel stations.
• Flexible EMI Conversion: Convert eligible purchases into EMIs and spread your repayment over manageable instalments, subject to applicable terms.
• Reward Point Redemption: Use your accumulated reward points across eligible categories and redemption options.
• 2 Reward Points: Earn 2 points for every ₹100 spent on eligible retail purchases.
• 1 Reward Point: Earn 1 point for every ₹100 spent on eligible utility and insurance transactions.
• Redeem Reward Points:

  Reward points can be redeemed for eligible options across categories such as:

  • Health and beauty
  • Travel and luggage
  • Shopping vouchers
  • Home appliances
  • Electronics
  • Fashion and lifestyle

Fees & Charges

• Forex Markup: 3.5% on applicable foreign currency transactions
• ATM Cash Withdrawal: Interest of 3.75% per month applies to cash withdrawals, as per the applicable terms.
• Minimum Amount Due: 3.75% interest per month may apply when only the minimum amount due is paid.
• Late Payment Fee: ₹100 to ₹1,300, depending on the applicable outstanding amount.

3. Niyo Global International Travel Card

Suitable For: International travellers and overseas spending

Joining Fee: Nil

Annual Fee: Nil

This card will be a great pick for international travellers. Here is the pack of benefits.

Features and benefits:

• Nil Forex Markup Fees: Zero forex markup fees on overseas transactions helps you save 3 to 5% on them
• Global Acceptance: The Niyo Global zero forex card works hassle-free in 150 countries across POS, ATM, and e-commerce
• Airport Lounge Access: Free airport lounge access at international airport terminals across the world.
• Fast Delivery: Quick delivery as it reaches you within 3 to 5 days
• Cashback:
  • Earn coins on every transaction and redeem them as cashback abroad
  • Up to 1% cashback on domestic spends
• VAT refunds: Save 5% to 20% on international purchases via VAT refunds
• Zero balance savings account option
• Competitive interest rates up to 6.5%
• Protection: Security features like real-time tracking, card locking, and in-app currency converter provide added assurance.
• Zero TCS on spends
• Contactless technology: Contactless payments and 0% commission on mutual fund investments

4. EazyDiner IndusInd Bank Platinum Credit Card

Suitable For: Frequent diners, restaurant bookings and EazyDiner users

Joining Fee: Nil

Annual Fee: Nil

The EazyDiner Platinum Credit Card from IndusInd Bank is a lifetime-free, dining-focused credit card designed for customers who frequently dine out and want to save on dining expenses while earning rewards on eligible spending.

Features and Benefits:

• Welcome Benefit: Receive 500 welcome EazyPoints with the card
• Cashback: Extra 20% off, up to ₹500, when dining out or ordering takeaway and paying through the EazyDiner App using PayEazy.
• Reward Points:
• 2 RP for every ₹100 spent (except fuel, insurance, rent, utility and government transactions)
• 0.7 RP on insurance, rent, utility and government spends. Fuel transactions do not earn reward points.
• Membership: 3 months of EazyDiner Prime membership worth ₹1,095, guaranteed 25% to 50% off, including enjoy 2X EazyPoints.
• Surcharge: 1% fuel surcharge waiver across all fuel stations in India, subject to applicable terms and conditions.
• Rewards Redemption: Redeem reward points instantly against restaurant bills through PayEazy. EazyPoints can also be redeemed for free hotel stays, meals and exclusive restaurant events. The stated value is 1 Reward Point = ₹0.20.

5. Amazon Pay ICICI Credit Card

Suitable For: Amazon shopping, online purchases and everyday spending

Annual Fee (Per annum): Nil

Joining Fee (Per annum): Nil

The Amazon Pay ICICI Credit Card is a cashback-focused card suited for Amazon shopping and everyday spending. It offers cashback on eligible purchases, making it useful for customers who regularly shop online and use Amazon Pay.

• Lifetime Free
• 1.99% Forex Markup: Get a lower forex markup on eligible international transactions.
• Up to 5% Rewards on Amazon: Earn up to 5% rewards on eligible Amazon purchases.
• 1% Rewards on Other Spends: Earn 1% rewards on eligible non-Amazon transactions.
• 1% Fuel Surcharge Waiver: Get a 1% surcharge waiver on eligible fuel purchases, subject to applicable terms and limits.

Fees & Charges

• ATM Withdrawal: Interest of 3.75% per month applies to cash withdrawals.
• Minimum Payment: Paying only the minimum due may attract 3.75% monthly interest on the outstanding balance.
• Late Payment: A late payment fee of ₹100–₹1,300 may apply, depending on the outstanding amount.

Cashback:

• Earn 5% cashback for shopping on Amazon if you are an Amazon Prime member
• Earn 3% cashback for spends on Amazon India even if you are not a member of Amazon Prime
• Earn 2% cashback on payments to 100 plus partner merchants
• Earn 1% cashback on your other expenses such as shopping, insurance payments, travel, dining, and much more.
• 100% cashback upto ₹200 on Amazon shopping
• 50% cashback upto ₹100 on prepaid recharges
• 25% cashback upto ₹350 on postpaid bill payment
• 20% cashback upto ₹250 on electricity bill payment
• 25% cashback upto ₹200 on DTH recharge
• 25% cashback upto ₹400 on broadband bill payment
• 10% cashback upto ₹250 on gas cylinder payment

• Fuel Surcharge Waiver: Fuel surcharge waiver of 1% each time you refuel.

6. Simply CLICK SBI Credit Card

Suitable For: Frequent online shoppers looking for rewards on eligible online spending.

Renewal Fee (Per annum): ₹499 plus taxes

Annual Fee (One time): ₹499 plus taxes

This credit card provides additional rewards and perks for online purchases made with multiple partner brands such as Cleartrip, BookMyShow, EazyDiner, Netmeds, etc. Here are the benefits.

Features and Benefits:

• 10X Reward Points on eligible online purchases
• Milestone Rewards: Get ₹2,000 e-vouchers on eligible annual online spends of ₹1 lakh and ₹2 lakh.
• Save 1% on fuel surcharge for eligible purchases.

Exclusive Privileges

• Welcome Benefit: Get an Amazon.in e-gift voucher worth ₹500 on payment of the applicable annual fee, subject to the offer terms.
• Online Shopping Rewards: Earn 5X Reward Points on online spends and 10X Reward Points with selected partner merchants.
• Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on eligible transactions between ₹500 and ₹3,000, subject to the applicable limit and terms.
• E-Shopping Rewards: Earn 1 Reward Point for every ₹100 spent on eligible purchases, with 4 Reward Points valued at ₹1 on redemption, subject to applicable terms.
• Spend-Based Fee Reversal: Annual fee reversal on eligible annual spends of ₹1 lakh or more.

Other Features

Tap & Pay

• Quick & convenient: Make contactless payments with a simple tap.
• Secure: Complete eligible transactions without handing over your card.

Global Acceptance

• Use the card at 24 million+ outlets globally, including 3.25 lakh+ outlets in India.
• Make payments at merchant outlets that accept Visa or Mastercard, subject to the card network and applicable terms.

Cash Access Worldwide:

• Withdraw cash at Visa or Mastercard ATMs across the globe, subject to applicable charges and limits.

Flexible EMI Option:

• Convert eligible purchases of ₹2,500 or more into convenient monthly EMIs.

Add-on Cards:

• Extend your SimplyCLICK SBI Card benefits to your parents, spouse, children or siblings aged 18 and above with add-on cards.

Balance Transfer on EMI

• Reduce repayment costs: Transfer eligible outstanding balances from other banks' credit cards to your SimplyCLICK SBI Card.
• Pay in EMIs: Repay the transferred balance through manageable monthly instalments at an applicable lower interest rate.
• Easy access: Log in to your SBI Card account to check and avail the facility, subject to eligibility and applicable terms.

7. SBI SimplySAVE Credit Card

Suitable for: Groceries, dining, movies and everyday shopping

Renewal Fee (Per annum): ₹499

Annual Fee (One time): ₹499

This card offers higher reward points on daily spends like groceries, dining, movies, departmental store purchases etc. Let us read on to find out more about the features and benefits of the card.

Features and benefits:

• Reward points:
• Earn 1 reward point per ₹150 spent on all expenditures
• 10X points on movies, dining, groceries, and department store purchases
• 2,000 additional reward points worth ₹500 for spends of ₹2,000 within the first 60 days of card activation.

• Fuel surcharge waiver:1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

• Annual fee reversal: Avail of an annual fee reversal on spends of Rs. 1 lakh or more on your SBI SimpleSave credit card

8. HDFC Millennia Credit Card

Suitable for: Online shopping, dining and everyday purchases

Joining Fee: ₹1000 + Applicable Taxes

Annual Fee: ₹1000 + Applicable Taxes

The HDFC Millennia Credit Card is aimed at people who frequently shop online and make regular lifestyle purchases. It provides cashback on selected merchants and eligible transactions, subject to the card's applicable terms and limits.

Features and Benefits:

• Welcome Benefits: 1000 cash points applicable only on payment of membership fees.
• Cashback and Discounts:
• 5% Cashback on Flipkart, BookMyShow, Amazon, Cult.fit, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• 1% cashback on all other spends (excluding fuel) including EMI & Wallet transactions
• ₹1000 worth of gift vouchers on spends of ₹1,00,000 and more in each calendar quarter
• Up to 20% discount on partner restaurants through Dine Out

• Lounge Access: 8 complimentary domestic lounge access per calendar year with 2 per quarter.
• Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India.
• Renewal Offer: Renewal membership fee waiver on spends of Rs. 1 lakh or more in the previous 12 months.

9. RBL Shoprite Credit Card

Suitable for: Grocery shopping and everyday purchases

Joining Fee: Nil

Annual Fee: ₹500 + GST

The RBL Shoprite Credit Card is suited to customers who regularly spend on groceries and everyday purchases. It offers accelerated rewards on eligible grocery transactions, along with benefits on select shopping and entertainment spends. Here are the features and benefits.

Features and Benefits:

Welcome Bonus: The card offers 2000 reward points for cardholders

Reward points:

• 1 reward point per INR 100 spent on purchases, except categories such as fuel, railways, utility, rental, and miscellaneous.
• 5% value back along with 20 reward points for every INR 100 spent on grocery shopping.
• The maximum limit on reward points that can be earned in this category is 1,000 points per month.

• Discount on Movies: A discount of 10% (Up to INR 100) on movie tickets booked through BookMyShow up to 15 times a year.
• Fuel surcharge waiver:
• Fuel surcharge waiver for transactions in the range of INR 500 and INR 4,000 at all fuel stations.
• Maximum waiver of INR 100 per month.

10. The American Express SmartEarn™ Credit Card

Suitable for: Online shoppers and lifestyle spenders.

Joining Fee:₹495 + applicable taxes

Annual Fee: ₹495 + applicable taxes (Waived off on spending Rs. 40,000 and over in the previous year of card membership)

The American Express SmartEarn™ Credit Card is designed for customers who regularly spend on online shopping, dining and entertainment. It offers accelerated Membership Rewards points at participating merchants, along with a welcome benefit and a spending-based annual fee waiver. Here are the benefits in detail.

Features and Benefits:

• Reward Points:
• Earn ₹500 welcome cashback on eligible spends of ₹10,000 within the first 90 days of card membership.
• Earn ₹500 vouchers at each eligible spending milestone of ₹1.20 lakh, ₹1.80 lakh and ₹2.40 lakh during a card membership year.
• Get the renewal fee waived by spending ₹40,000 or more on eligible transactions during the previous card membership year.
• 10x membership rewards on transactions with Zomato, Ajio, Nykaa, BookMyShow, Uber, and more for every ₹50 spent.
• 5x membership rewards earned on transactions with Amazon and Paytm Wallet.
• Earn 1,250 membership reward points monthly on spends of just INR 7,500. You can get spending points with partner merchants such as Zomato, Uber, BookMyShow, Flipkart, Amazon, and Paytm Wallet.
• Earn 1 membership reward point for spends of INR 50, excluding insurance, fuel, utilities, cash transactions, and EMI conversions at the point of sale.

• Other Privileges:The card comes with endless privileges such as flexibility in bill payment, fuel convenience fee waiver, 24/7 card-related assistance, EMI conversion option with American Express EMI, dispute resolution, emergency card replacement, and zero lost card liability.

How to Choose the Right Credit Card?

The right credit card depends on your spending habits, financial needs and the benefits you are likely to use. Before applying, compare the following factors:

• Understand your spending: Check where you spend the most, such as online shopping, groceries, dining, fuel or travel, and choose a card that rewards those categories.
• Compare fees: Look at the joining fee, annual fee and applicable taxes. Also check whether the annual fee can be waived after reaching a specified spending limit.
• Check rewards and cashback: Compare the reward rate, cashback percentage, eligible transactions, spending caps and exclusions rather than looking only at the advertised reward rate.
• Review the benefits: Consider features such as airport lounge access, fuel surcharge waivers, travel benefits, discounts and milestone rewards based on how often you will actually use them.
• Check interest and other charges: Review finance charges, late payment fees, cash withdrawal charges, foreign currency markup and other applicable costs.
• Check eligibility: Review the issuer's age, income, employment, credit history and other eligibility requirements before applying.
• Consider reward redemption: Find out how rewards can be redeemed and whether they offer useful value for your spending.
• Review the terms before applying: Credit card fees, rewards, offers and eligibility criteria can change. Check the latest information on the issuer's official website before submitting your application.

A credit card that matches your regular spending and repayment capacity can provide useful value while helping you avoid unnecessary fees and interest costs.

Conclusion

The right credit card depends on your spending habits, financial needs and the benefits you are most likely to use. A cashback card may suit an online shopper, while a travel-focused card may be more relevant to someone who frequently travels.

Before applying, compare the annual fee, rewards, cashback limits, eligibility criteria, exclusions and other applicable charges. Also consider whether the card's benefits justify its cost based on your normal spending.

Credit card fees, rewards and offers can change, so review the latest terms from the issuer before submitting an application.

Frequently Asked Questions