Compare Indian Credit Cards

Six popular Indian credit cards compared. Fees, rewards rate, best-for use case. Tap "Apply now" to go directly to the issuer.

HDFC Regalia Gold

HDFC Bank

Annual ₹2,500 (waived at ₹4L spend)

Joining fee

₹2,500

Rewards

4 points / ₹150

Best for: Everyday spends + travel

Priority Pass (lounge)
Dining discounts
Milestone benefits ₹1,500 voucher

Eligibility: Salary ₹3L+/mo or ITR ₹12L+

Apply for HDFC

Amazon Pay ICICI

ICICI Bank

Annual ₹Free (lifetime)

Joining fee

Free

Rewards

5% on Amazon (Prime), 3% non-Prime, 2% other online, 1% offline

Best for: Amazon shoppers

Lifetime free
No minimum spend
Auto-redemption as Amazon Pay balance

Eligibility: Salary ₹20k+/mo

Apply for Amazon

SBI Cashback Card

SBI Card

Annual ₹999 (waived at ₹2L spend)

Joining fee

₹999

Rewards

5% cashback on all online

Best for: Online shoppers

1% offline cashback
Cashback auto-credit next statement
No rotating categories

Eligibility: Salary ₹35k+/mo

Apply for SBI

Axis Magnus

Axis Bank

Annual ₹12,500 (waived at ₹25L spend)

Joining fee

₹12,500

Rewards

12 points / ₹200 base; 35 points on travel

Best for: High-spend travellers

Unlimited lounge access
Complimentary Priority Pass membership
Concierge
Buy-one-get-one movie tickets

Eligibility: ITR ₹18L+ or premier banking relationship

Apply for Axis

HDFC Millennia

HDFC Bank

Annual ₹1,000 (waived at ₹1L)

Joining fee

₹1,000

Rewards

5% cashback on 10 popular merchants (Amazon, Flipkart, Swiggy…); 1% others

Best for: Millennials, multi-merchant online

8 airport lounge visits/year
10% off dining via Swiggy Dineout
Fuel surcharge waiver

Eligibility: Salary ₹35k+/mo

Apply for HDFC

Amex Platinum Travel

American Express

Annual ₹5,000 + GST

Joining fee

₹3,500

Rewards

1 MR point / ₹50; big milestone vouchers at ₹1.9L/₹4L spend

Best for: Travel milestone hunters

₹7,700 + ₹11,800 travel voucher on milestones
Priority Pass 8 visits/yr
Amex Travel Online bookings

Eligibility: Salary ₹6L+/yr, good credit history

Apply for Amex

Important:Always read the Most Important Terms & Conditions (MITC) before applying. Reward points have expiry and redemption rules. Foreign transaction markup (usually 3.5%) applies on all international spends. Late payment fees + interest can be extreme (36–42% annualised).