Independent · no sign-up · 119 cards · reviewed 2026-09-12

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.

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HSBC HSBC Live+ credit cardAxis Bank Airtel Axis Bank credit cardKotak Mahindra Bank Myntra Kotak credit card

Top picks for the example profile

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Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

HSBC HSBC Live+ credit card
HSBCVisa

HSBC Live+

77
Net savings₹11,262/yr
Savings rate3.4%
Annual feeWaived ₹1,179
Lounge✈4 dom

✓ 10% on dining, food delivery & groceries earns you about ₹8,544 a year on ₹85,440 of…

Details
Axis Bank Airtel Axis Bank credit card
Axis Bank× AirtelVisa

Airtel Axis Bank

69
Net savings₹8,810/yr
Savings rate2.7%
Annual feeWaived ₹590
Lounge✈4 dom

✓ 10% on Swiggy, Zomato, BigBasket earns you about ₹3,360 a year on ₹33,600 of spend.

Details
Kotak Mahindra Bank Myntra Kotak credit card
Kotak Mahindra Bank× MyntraMastercard

Myntra Kotak

65
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.

Details
American Express Membership Rewards (MRCC) credit card
American ExpressAmerican Express

Membership Rewards (MRCC)

64
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.

Details
Axis Bank ACE credit card
Axis Bank× Google PayVisa

ACE

63
Net savings₹6,485/yr
Savings rate2.0%
Annual feeWaived ₹589
Lounge✈4 dom

✓ 2% on other spends (1.5% below ₹10k monthly) earns you about ₹4,781 a year on ₹2,39,040…

Details
IDFC FIRST Bank FIRST Power+ credit card
IDFC FIRST Bank× HPCLRuPay · UPI

FIRST Power+

58
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.

Details

Best by type

Best cashback cards

  1. HSBC HSBC Live+ 77
  2. Axis Bank Airtel Axis Bank 69
  3. Axis Bank ACE (Google Pay) 63

Best travel & lounge cards

  1. Standard Chartered EaseMyTrip Standard Chartered 54
  2. Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL 50
  3. HDFC Bank Infinia Metal 49

Best lifetime-free cards

  1. AU Small Finance Bank LIT 55
  2. IDFC FIRST Bank FIRST Wealth 45
  3. IDFC FIRST Bank FIRST Select 45

Best UPI (RuPay) cards

  1. IDFC FIRST Bank FIRST Power+ (HPCL) 58
  2. HDFC Bank Tata Neu Infinity HDFC Bank 53
  3. HDFC Bank Tata Neu Plus HDFC Bank 49

Best fuel cards

  1. IDFC FIRST Bank FIRST Power+ (HPCL) 58
  2. SBI Card BPCL SBI Card OCTANE 54
  3. Bank of Baroda HPCL BOBCARD ENERGIE 52

Best shopping cards

  1. Kotak Mahindra Bank Myntra Kotak 65
  2. Axis Bank Flipkart Axis Bank 53
  3. ICICI Bank Amazon Pay ICICI Bank 43

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

Read the full methodology, assumptions and sources →

Popular comparisons

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 HSBC Live+, Axis Bank Airtel Axis Bank, Axis Bank ACE (Google Pay). 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.