Best Credit Cards March 2026

India's most comprehensive, daily-updated credit card comparison. Real data, honest verdicts, no sponsored rankings.

LIVING DOCUMENT · v12 · Updated 476 hours ago · 15 cards compared

HDFC Infinia

HDFC Bank
₹10,000/yr LOUNGE Super-premium lifestyle and travel
5 reward points per ₹150 (worth ~3.3%); 10X on SmartBuy
₹10,000
Annual fee
★★★★½ 4.8

HDFC Diners Club Black

HDFC Bank
₹10,000/yr LOUNGE Premium dining and travel
5 RP per ₹150; 10X on SmartBuy & dining partners
₹10,000
Annual fee
★★★★½ 4.5

HDFC Regalia

HDFC Bank
₹2,500/yr LOUNGE Travel and premium lifestyle
4 reward points per ₹150 (worth ~1.33%); 10X on SmartBuy
₹2,500
Annual fee
★★★★½ 4.4

ICICI Amazon Pay

ICICI Bank
₹500/yr Amazon Prime members
5% on Amazon (Prime), 2% on bill payments, 1% on other spends
₹500
Annual fee
★★★★ 4.3

Axis Magnus

Axis Bank
₹12,500/yr LOUNGE Premium travel and high-value redemptions
35 Edge points per ₹200 (~2.6%); up to 50 points on travel
₹12,500
Annual fee
★★★★ 4.3

SBI SimplyCLICK

SBI Card
₹499/yr Amazon and online shopping
10X rewards on Amazon, Cleartrip, Apollo24x7; 1 RP per ₹100 otherwise
₹499
Annual fee
★★★★ 4.2

AU Small Finance LIT

AU Small Finance Bank
ZERO FEE Customizable rewards — pick your own categories
Customizable: choose 3 categories for up to 3.5% rewards
FREE
Lifetime free
★★★★ 4.2

Axis Flipkart

Axis Bank
₹500/yr Flipkart and Myntra shopping
5% on Flipkart/Myntra, 4% on preferred, 1.5% on others
₹500
Annual fee
★★★★ 4.1

OneCard

OneCard (FPL Technologies)
ZERO FEE Zero-fee metal card with smart rewards
5X on top spent categories (auto-detected), 1X on others
FREE
Lifetime free
★★★★ 4.1

HDFC Millennia

HDFC Bank
₹1,000/yr LOUNGE Online shopping and food delivery
5% cashback on Amazon/Flipkart/Swiggy via SmartBuy; 2.5% on online; 1% offline
₹1,000
Annual fee
★★★★ 4

SBI BPCL

SBI Card
₹499/yr Fuel savings at BPCL pumps
13X on BPCL fuel, 5X on dining/movies/grocery, 1X on others
₹499
Annual fee
★★★★ 4

ICICI Sapphiro

ICICI Bank
₹3,500/yr LOUNGE Dining and lounge access
2 RP per ₹100 on dining, 1 RP per ₹100 on others
₹3,500
Annual fee
★★★½ 3.9

Kotak 811

Kotak Mahindra Bank
ZERO FEE Zero-fee card for beginners
1% cashback on online spends, 0.5% on all other spends
FREE
Lifetime free
★★★½ 3.8

RBL ShopRite

RBL Bank
₹500/yr Grocery and daily essentials shopping
5% on grocery (BigBasket, Nature's Basket, DMart); 1% on others
₹500
Annual fee
★★★½ 3.7

YES Prosperity Edge

YES Bank
₹1,999/yr LOUNGE Fuel, grocery, and dining combined
3X on fuel, grocery, dining; 1X on others (~0.5% base)
₹1,999
Annual fee
★★★½ 3.6