HSBCVisa
HSBC Live+
Net savings₹16,098/yr
Savings rate4.9%
Annual feeWaived ₹1,179
Lounge✈2 dom🌏1 intl
✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹13,704 a…
Independent · no sign-up · 119 cards · reviewed 2026-09-19
The right Indian credit card, explained in rupees.
Tell us where you spend. We compute your recurring net savings after fees, GST, caps and exclusions, score every card out of 100 and show exactly why.
Top picks for the example profile
Make it mine →Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
American ExpressAmerican Express
Membership Rewards (MRCC)
Net savings₹14,786/yr
Savings rate4.5%
Annual feeWaived ₹5,310
Lounge✈ none
✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.
Kotak Mahindra Bank× MyntraMastercard
Myntra Kotak
Net savings₹7,623/yr
Savings rate2.3%
Annual feeWaived ₹590
Lounge✈4 dom
✓ Base rate 1.25% on other spends earns you about ₹2,823 a year on ₹2,25,840 of spend.
IDFC FIRST Bank× HPCLRuPay · UPI
FIRST Power+
Net savings₹7,908/yr
Savings rate2.0%
Annual feeWaived ₹589
Lounge✈4 dom
✓ 5% value on grocery, utilities, FASTag earns you about ₹3,660 a year on ₹73,200 of spend.
Bank of BarodaVisa
BOBCARD ETERNA
Net savings₹6,687/yr
Savings rate2.0%
Annual feeWaived ₹2,949
Lounge✈4 dom
✓ 15 RP/₹100 on travel, dining, international & online (5,000 RP/mo cap) earns you about…
Best by type
Best credit card for…
All 34 uses →Each ranking is computed in rupees at a stated spend – not a sponsored list.
Collections
Best card by bank →Which cards can I get?
By salary and situation →Latest changes
Devaluation tracker →Calculators
All tools →How the score works
55%Net savings raterewards − fees − forex, ÷ card spend
15%Usable lounge accessvisits you can actually use
10%Redemption flexibilitycash vs points vs miles
10%Lifestyle fitbenefits you asked for
5%Simplicityfewer caps and tiers
5%Fee safetyhow safely you clear the waiver
Popular comparisons
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Frequently asked questions
How does CardLens score a credit card?
Each score out of 100 combines your net savings rate (55%), usable lounge access (15%), redemption flexibility (10%), lifestyle fit (10%), simplicity (5%) and fee safety (5%). Components you say you do not need are dropped and their weight redistributed, so weights always total 100%. See the methodology.
What is “effective savings rate”?
Annual net savings (rewards at realistic redemption value + milestones + surcharge waivers − renewal fee incl. GST − forex markup) divided by your total annual card spend, × 100. First-year welcome offers and joining fees are shown separately.
Do you count UPI spends?
Once. The share of everyday spend you route through UPI QR is counted only on RuPay cards linked to UPI, at that card’s UPI rate and cap. On other cards it is left out of card spend entirely.
Which is the best cashback credit card in India in 2026?
For the example profile the top cashback-type cards are HSBC Live+, Axis Bank ACE (Google Pay), CASHBACK SBI Card. Run Find My Card for your own answer.
Is my data stored?
No. Your questionnaire answers stay in your browser (localStorage). Share links contain only card names, never your spend.