Find My Card

Five short steps, about two minutes, no sign-up. Every card is scored in rupees for your own spend – and your answers never leave this browser.

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1

What you spend

Per month or per year – whichever you remember. Leave 0 for anything you don’t use.

Total₹32,300/mo
Groceries & quick-commerceSupermarkets, BigBasket, Blinkit, Zepto
₹
Dining & food deliveryRestaurants, Swiggy, Zomato
₹
Online shoppingAmazon, Flipkart, Myntra, electronics
₹
FuelPetrol & diesel
₹
Bills & utilitiesElectricity, mobile, broadband, DTH
₹
FlightsAirlines and OTAs
₹
HotelsDirect or via OTAs
₹
Everything elseOffline retail, pharmacy, misc.
₹
More categories – commute, movies, rent, insurance, education, international
Cabs & commuteUber, Ola, metro, autos
₹
Movies & OTTBookMyShow, PVR, subscriptions
₹
RentVia rent-payment apps (usually excluded)
₹
Insurance premiumsLife, health, motor
₹
Education feesSchool, college, courses
₹
International spendAbroad or foreign websites (forex markup applies)
₹
Share of groceries, dining, commute and other spend you pay by scanning a QR. Counted once, and only on RuPay cards.
40%
2

Where you shop most

Pick the brands you use. 70% of that category is routed to them, split equally.

Online shopping

Dining & food delivery

Groceries & quick-commerce

Cabs & commute

Bills & utilities

Flights

Hotels

Movies & OTT

Everything else

3

Rewards & fees

How you like to be paid back, and the most you’d pay a year.

Reward style

4

Lounges & lifestyle

How often you fly, and which perks actually matter to you.

2
0

Perks worth paying for

5

Cards you already have

We’ll mark these as owned and show what they already give you.

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
  1. 1
    HSBC HSBC Live+ credit card
    HSBCVisa

    HSBC Live+

    ₹16,098/yr net4.9% rateWaived ₹1,179✈2 dom🌏1 intl

    ✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹13,704 a…

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    100
  2. 2
    American Express Membership Rewards (MRCC) credit card
    American ExpressAmerican Express

    Membership Rewards (MRCC)

    ₹14,786/yr net4.5% rateWaived ₹5,310✈ none

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    74
  3. 3
    Kotak Mahindra Bank Myntra Kotak credit card
    Kotak Mahindra Bank× MyntraMastercard

    Myntra Kotak

    ₹7,623/yr net2.3% rateWaived ₹590✈4 dom

    ✓ Base rate 1.25% on other spends earns you about ₹2,823 a year on ₹2,25,840 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    70
  4. 4
    Axis Bank ACE credit card
    Axis Bank× Google PayVisa

    ACE

    ₹6,485/yr net2.0% rateWaived ₹589✈4 dom

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

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    67
  5. 5
    IDFC FIRST Bank FIRST Power+ credit card
    IDFC FIRST Bank× HPCLRuPay · UPI

    FIRST Power+

    ₹7,908/yr net2.0% rateWaived ₹589✈4 dom

    ✓ 5% value on grocery, utilities, FASTag earns you about ₹3,660 a year on ₹73,200 of spend.

    ! Points are worth only ₹0.25 each – 1 RP = ₹0.25; fuel points redeemable at HPCL.

    Full breakdown
    62
  6. 6
    Bank of Baroda BOBCARD ETERNA credit card
    Bank of BarodaVisa

    BOBCARD ETERNA

    ₹6,687/yr net2.0% rateWaived ₹2,949✈4 dom

    ✓ 15 RP/₹100 on travel, dining, international & online (5,000 RP/mo cap) earns you about…

    ! Points are worth only ₹0.25 each – 1 RP = ₹0.25 on statement credit / catalogue.

    Full breakdown
    62
  7. 7
    SBI Card CASHBACK SBI Card credit card
    SBI CardVisa

    CASHBACK SBI Card

    ₹8,834/yr net2.7% rateWaived ₹1,179✈ none

    ✓ 5% on all online spends (₹2,000/month cap from 1 Apr 2026) earns you about ₹7,560 a year…

    ! No usable lounge access although you asked for it.

    Full breakdown
    60
  8. 8
    AU Small Finance Bank LIT credit card
    AU Small Finance BankVisa

    LIT

    ₹6,439/yr net2.0% rateFree for life✈4 dom

    ✓ 5% cashback on online/grocery (feature on, ₹500/mo cap, ₹199 charge) earns you about…

    ! Points are worth only ₹0.25 each – 1 point = ₹0.25 on the catalogue.

    Full breakdown
    59
  9. 9
    HDFC Bank Diners Club Privilege credit card
    HDFC Bank× Diners ClubDiners Club

    Diners Club Privilege

    ₹6,020/yr net1.8% rateWaived ₹2,950✈8 dom

    ✓ Base rate 1.33% on other spends earns you about ₹3,419 a year on ₹2,57,040 of spend.

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    59
  10. 10
    Standard Chartered EaseMyTrip Standard Chartered credit card
    Standard Chartered× EaseMyTripVisa

    EaseMyTrip Standard Chartered

    ₹6,193/yr net1.9% rateWaived ₹413✈4 dom

    ✓ 10% off EaseMyTrip flights (cap ₹5,000) earns you about ₹2,400 a year on ₹24,000 of spend.

    ! Points are worth only ₹0.25 each – 1 point = ₹0.25.

    Full breakdown
    58
  11. 11
    SBI Card BPCL SBI Card OCTANE credit card
    SBI Card× BPCLVisa

    BPCL SBI Card OCTANE

    ₹5,355/yr net1.6% rateWaived ₹1,769✈4 dom

    ✓ 10 RP/₹100 on dining, grocery, departmental stores, movies earns you about ₹2,376 a year…

    ! Points are worth only ₹0.25 each – 1 RP = ₹0.25; fuel points redeemable instantly at…

    Full breakdown
    57
  12. 12
    Axis Bank Privilege credit card
    Axis BankVisa

    Privilege

    ₹5,286/yr net1.6% rateWaived ₹1,770✈8 dom

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! Points are worth only ₹0.2 each – 1 ERP = ₹0.20 on the EDGE catalogue.

    Full breakdown
    57
  13. 13
    HDFC Bank Tata Neu Infinity HDFC Bank credit card
    HDFC Bank× Tata NeuRuPay · UPI

    Tata Neu Infinity HDFC Bank

    ₹5,634/yr net1.5% rateWaived ₹1,769✈8 dom🌏4 intl

    ✓ Base rate 1.5% on other spends earns you about ₹3,640 a year on ₹2,42,640 of spend.

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    56
  14. 14
    Bank of Baroda HPCL BOBCARD ENERGIE credit card
    Bank of Baroda× HPCLVisa

    HPCL BOBCARD ENERGIE

    ₹4,597/yr net1.4% rateWaived ₹589✈4 dom

    ✓ 24 RP/₹100 on HPCL fuel (fuel assumed at HPCL) earns you about ₹2,160 a year on ₹36,000…

    ! Points are worth only ₹0.25 each – 1 RP = ₹0.25; redeem at HPCL pumps.

    Full breakdown
    55
  15. 15
    Axis Bank Flipkart Axis Bank credit card
    Axis Bank× FlipkartVisa

    Flipkart Axis Bank

    ₹3,708/yr net1.1% rateYou pay ₹590✈4 dom

    ✓ 1% on other spends earns you about ₹2,006 a year on ₹2,00,640 of spend.

    ! You pay the ₹590 annual fee (incl. GST) – waiver needs ₹3,50,000 spend.

    Full breakdown
    55
  16. 16
    Bank of Baroda BOBCARD TIARA credit card
    Bank of BarodaVisa

    BOBCARD TIARA

    ₹4,527/yr net1.4% rateWaived ₹2,949✈4 dom

    ✓ 15 RP/₹100 on dining, travel, international earns you about ₹2,934 a year on ₹78,240 of…

    ! Points are worth only ₹0.25 each – 1 point = ₹0.25 on the catalogue.

    Full breakdown
    54
  17. 17
    Kotak Mahindra Bank Zen Signature credit card
    Kotak Mahindra BankVisa

    Zen Signature

    ₹4,483/yr net1.4% rateWaived ₹1,770✈8 dom

    ✓ 10 Zen points/₹150 on apparel, department stores, travel earns you about ₹1,804 a year…

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    54
  18. 18
    ICICI Bank HPCL Super Saver ICICI Bank credit card
    ICICI Bank× HPCLVisa

    HPCL Super Saver ICICI Bank

    ₹4,342/yr net1.3% rateWaived ₹590✈4 dom

    ✓ 4% cashback + 1.5% points on HPCL fuel (fuel assumed at HPCL) earns you about ₹1,980 a…

    ! Points are worth only ₹0.25 each – 1 RP = ₹0.25 on vouchers/catalogue; fuel cashback…

    Full breakdown
    54
  19. 19
    Axis Bank Airtel Axis Bank credit card
    Axis Bank× AirtelVisa

    Airtel Axis Bank

    ₹7,298/yr net2.2% rateWaived ₹590✈ none

    ✓ 10% on utility bills via Airtel Thanks earns you about ₹3,000 a year on ₹30,000 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    53
  20. 20
    Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit card
    Kotak Mahindra Bank× IndiGoVisa

    IndiGo Ka-ching 6E Rewards XL

    ₹4,687/yr net1.4% rateWaived ₹1,770✈8 dom

    ✓ 3% on grocery, dining, entertainment earns you about ₹2,851 a year on ₹95,040 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    53
  21. 21
    HDFC Bank Regalia credit card
    HDFC BankVisa

    Regalia

    ₹4,226/yr net1.3% rateWaived ₹2,950✈12 dom🌏6 intl

    ✓ Base rate 1.33% on other spends earns you about ₹3,866 a year on ₹2,90,640 of spend.

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    53
  22. 22
    HDFC Bank Infinia Metal credit card
    HDFC BankVisa

    Infinia Metal

    ₹4,460/yr net1.4% rateYou pay ₹14,750✈∞ dom🌏∞ intl

    ✓ Base rate 2.83% on other spends earns you about ₹5,644 a year on ₹1,99,440 of spend.

    ! You pay the ₹14,750 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.

    Full breakdown
    52
  23. 23
    ICICI Bank Emeralde Private Metal credit card
    ICICI BankVisa

    Emeralde Private Metal

    ₹4,273/yr net1.3% rateYou pay ₹14,749✈∞ dom🌏∞ intl

    ✓ Base rate 2.55% on other spends earns you about ₹5,086 a year on ₹1,99,440 of spend.

    ! You pay the ₹14,749 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.

    Full breakdown
    52
  24. 24
    Yes Bank Paisabazaar PaisaSave credit card
    Yes Bank× PaisabazaarRuPay · UPI

    Paisabazaar PaisaSave

    ₹7,182/yr net1.9% rateWaived ₹589✈ none

    ✓ 3% on online spends (cap ₹1,000/mo) earns you about ₹4,536 a year on ₹1,51,200 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    51
  25. 25
    HDFC Bank Tata Neu Plus HDFC Bank credit card
    HDFC Bank× Tata NeuRuPay · UPI

    Tata Neu Plus HDFC Bank

    ₹3,876/yr net1.0% rateWaived ₹589✈4 dom

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    51
  26. 26
    AU Small Finance Bank Altura Plus credit card
    AU Small Finance BankVisa

    Altura Plus

    ₹2,160/yr net0.7% rateWaived ₹589✈4 dom

    ✓ 2% on grocery, dining, department stores earns you about ₹1,200 a year on ₹85,440 of…

    ! Base rate 1.5% on other spends is capped – you lose about ₹1,758 a year above the cap.

    Full breakdown
    51
  27. 27
    HDFC Bank Millennia credit card
    HDFC BankVisa

    Millennia

    ₹6,626/yr net2.0% rateWaived ₹1,180✈ none

    ✓ 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit,…

    ! Lounge access needs ₹1,00,000 spend per quarter – your spend does not qualify.

    Full breakdown
    50
  28. 28
    American Express Platinum Travel credit card
    American ExpressAmerican Express

    Platinum Travel

    ₹4,386/yr net1.3% rateYou pay ₹5,900✈8 dom

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    50
  29. 29
    SBI Card SBI Card PRIME credit card
    SBI CardVisa

    SBI Card PRIME

    ₹3,474/yr net1.1% rateWaived ₹3,539✈8 dom🌏4 intl

    ✓ 10 RP/₹100 on dining, grocery, departmental stores, movies earns you about ₹2,376 a year…

    ! Points are worth only ₹0.25 each – 1 RP = ₹0.25 on vouchers/statement.

    Full breakdown
    50
  30. 30
    Yes Bank ELITE+ credit card
    Yes BankMastercard

    ELITE+

    ₹3,314/yr net1.0% rateWaived ₹1,179✈16 dom

    ✓ 12 points/₹200 on online spends earns you about ₹2,268 a year on ₹1,51,200 of spend.

    ! Points are worth only ₹0.25 each – 1 point = ₹0.25 on the catalogue.

    Full breakdown
    50
  31. 31
    Bank of Baroda BOBCARD PREMIER credit card
    Bank of BarodaVisa

    BOBCARD PREMIER

    ₹3,138/yr net1.0% rateWaived ₹1,180✈4 dom

    ✓ 10 RP/₹100 on travel, dining, international earns you about ₹1,956 a year on ₹78,240 of…

    ! Points are worth only ₹0.25 each – 1 RP = ₹0.25.

    Full breakdown
    50
  32. 32
    Axis Bank MY ZONE credit card
    Axis BankVisa

    MY ZONE

    ₹2,943/yr net0.9% rateWaived ₹590✈4 dom

    ✓ 40% off Swiggy up to ₹120 (twice a month) earns you about ₹1,680 a year on ₹16,800 of…

    ! Points are worth only ₹0.2 each – 1 ERP = ₹0.20.

    Full breakdown
    50
  33. 33
    Standard Chartered Ultimate credit card
    Standard CharteredVisa

    Ultimate

    ₹2,947/yr net0.9% rateYou pay ₹5,900✈∞ dom

    ✓ Base rate 3.3% on other spends earns you about ₹8,007 a year on ₹2,42,640 of spend.

    ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    48
  34. 34
    Punjab National Bank PNB RuPay Select credit card
    Punjab National BankRuPay · UPI

    PNB RuPay Select

    ₹2,716/yr net0.7% rateWaived ₹590✈8 dom

    ✓ Base rate 0.67% on other spends earns you about ₹1,947 a year on ₹2,90,640 of spend.

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    48
  35. 35
    HDFC Bank Regalia First credit card
    HDFC BankVisa

    Regalia First

    ₹2,685/yr net0.8% rateWaived ₹1,180✈8 dom

    ✓ Base rate 0.8% on other spends earns you about ₹2,325 a year on ₹2,90,640 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    48
  36. 36
    Axis Bank Rewards credit card
    Axis BankVisa

    Rewards

    ₹2,660/yr net0.8% rateWaived ₹1,180✈4 dom

    ✓ 10X on apparel & department stores (cap 5,000 ERP/mo) earns you about ₹2,016 a year on…

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    48
  37. 37
    SBI Card SBI Card PULSE credit card
    SBI CardVisa

    SBI Card PULSE

    ₹2,610/yr net0.8% rateWaived ₹1,769✈8 dom

    ✓ 10 RP/₹100 on chemist, pharmacy, dining, movies earns you about ₹1,296 a year on ₹51,840…

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    48
  38. 38
    Federal Bank Scapia Federal Bank credit card
    Federal Bank× ScapiaVisa

    Scapia Federal Bank

    ₹5,573/yr net1.7% rateFree for life✈∞ dom

    ✓ Base rate 2% on other spends earns you about ₹4,133 a year on ₹2,06,640 of spend.

    ! Points are worth only ₹0.2 each – 5 coins = ₹1 on travel booked via Scapia app only.

    Full breakdown
    47
  39. 39
    HDFC Bank Times Platinum credit card
    HDFC Bank× TimesVisa

    Times Platinum

    ₹2,415/yr net0.7% rateWaived ₹1,180✈4 dom

    ✓ Base rate 0.6% on other spends earns you about ₹1,433 a year on ₹2,38,800 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    47
  40. 40
    IDFC FIRST Bank FIRST Wealth credit card
    IDFC FIRST BankVisa

    FIRST Wealth

    ₹2,247/yr net0.7% rateFree for life✈8 dom🌏8 intl

    ✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    47
  41. 41
    IDFC FIRST Bank FIRST Select credit card
    IDFC FIRST BankVisa

    FIRST Select

    ₹2,247/yr net0.7% rateFree for life✈8 dom

    ✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    47
  42. 42
    SBI Card SimplyCLICK SBI Card credit card
    SBI CardVisa

    SimplyCLICK SBI Card

    ₹6,394/yr net2.0% rateWaived ₹589✈ none

    ✓ 5X on all other online spends earns you about ₹1,575 a year on ₹1,26,000 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    46
  43. 43
    ICICI Bank Amazon Pay ICICI Bank credit card
    ICICI Bank× Amazon PayVisa

    Amazon Pay ICICI Bank

    ₹4,742/yr net1.5% rateFree for life✈ none

    ✓ Base rate 1% on other spends earns you about ₹2,006 a year on ₹2,00,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    46
  44. 44
    Yes Bank Marquee credit card
    Yes BankMastercard

    Marquee

    ₹3,323/yr net1.0% rateYou pay ₹5,899✈∞ dom🌏6 intl

    ✓ 36 points/₹200 on online spends earns you about ₹6,804 a year on ₹1,51,200 of spend.

    ! You pay the ₹5,899 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.

    Full breakdown
    46
  45. 45
    ICICI Bank Coral credit card
    ICICI BankVisa

    Coral

    ₹1,693/yr net0.5% rateWaived ₹590✈4 dom

    ✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    46
  46. 46
    Axis Bank Atlas credit card
    Axis BankVisa

    Atlas

    ₹5,033/yr net1.5% rateYou pay ₹5,900✈8 dom🌏4 intl

    ✓ Base rate 2% on other spends earns you about ₹4,133 a year on ₹2,06,640 of spend.

    ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    45
  47. 47
    Standard Chartered Smart credit card
    Standard CharteredVisa

    Smart

    ₹4,298/yr net1.3% rateWaived ₹589✈ none

    ✓ 2% on online spends (cap ₹1,000/mo) earns you about ₹3,024 a year on ₹1,51,200 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    45
  48. 48
    AU Small Finance Bank ixigo AU credit card
    AU Small Finance Bank× ixigoRuPay · UPI

    ixigo AU

    ₹2,022/yr net0.5% rateWaived ₹1,179✈4 dom

    ✓ 10 points/₹100 on ixigo trains, flights, buses earns you about ₹870 a year on ₹34,800 of…

    ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

    Full breakdown
    45
  49. 49
    Kotak Mahindra Bank Royale Signature credit card
    Kotak Mahindra BankVisa

    Royale Signature

    ₹1,706/yr net0.5% rateWaived ₹1,179✈8 dom

    ✓ Base rate 0.5% on other spends earns you about ₹822 a year on ₹1,64,400 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    45
  50. 50
    ICICI Bank Rubyx credit card
    ICICI BankVisa

    Rubyx

    ₹1,813/yr net0.6% rateWaived ₹2,360✈8 dom

    ✓ Base rate 0.5% on other spends earns you about ₹1,453 a year on ₹2,90,640 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    44
  51. 51
    Axis Bank Burgundy Private credit card
    Axis BankVisa

    Burgundy Private

    ₹4,000/yr net1.2% rateFree for life✈∞ dom🌏∞ intl

    ✓ Base rate 1.5% on other spends earns you about ₹3,640 a year on ₹2,42,640 of spend.

    ! Points are worth only ₹0.2 each – 1 ERP = ₹0.20 on EDGE Rewards; partner transfers at…

    Full breakdown
    43
  52. 52
    American Express SmartEarn credit card
    American ExpressAmerican Express

    SmartEarn

    ₹5,306/yr net1.6% rateWaived ₹584✈ none

    ✓ 10X on Flipkart, Uber, Amazon (cap 500 MR/mo) earns you about ₹2,520 a year on ₹50,400…

    ! No usable lounge access although you asked for it.

    Full breakdown
    42
  53. 53
    HDFC Bank MoneyBack+ credit card
    HDFC BankVisa

    MoneyBack+

    ₹4,957/yr net1.5% rateWaived ₹590✈ none

    ✓ 10X on Amazon, BigBasket, Flipkart, Reliance Smart, Swiggy earns you about ₹2,218 a year…

    ! No usable lounge access although you asked for it.

    Full breakdown
    42
  54. 54
    Axis Bank Samsung Axis Bank credit card
    Axis Bank× SamsungVisa

    Samsung Axis Bank

    ₹980/yr net0.3% rateWaived ₹590✈4 dom

    ✓ Base rate 0.2% on other spends earns you about ₹452 a year on ₹2,25,840 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    42
  55. 55
    SBI Card Paytm SBI Card credit card
    SBI Card× PaytmVisa

    Paytm SBI Card

    ₹3,146/yr net1.0% rateWaived ₹589✈ none

    ✓ Base rate 1% on other spends earns you about ₹2,162 a year on ₹2,16,240 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    41
  56. 56
    HDFC Bank Regalia Gold credit card
    HDFC BankVisa

    Regalia Gold

    ₹1,276/yr net0.4% rateYou pay ₹2,950✈12 dom🌏6 intl

    ✓ Base rate 1.33% on other spends earns you about ₹2,653 a year on ₹1,99,440 of spend.

    ! You pay the ₹2,950 annual fee (incl. GST) – waiver needs ₹4,00,000 spend.

    Full breakdown
    41
  57. 57
    HDFC Bank Swiggy HDFC Bank credit card
    HDFC Bank× SwiggyMastercard

    Swiggy HDFC Bank

    ₹5,954/yr net1.8% rateWaived ₹590✈ none

    ✓ 5% on Amazon, Flipkart, Myntra, Uber, Ola, Nykaa & more earns you about ₹2,520 a year on…

    ! No usable lounge access although you asked for it.

    Full breakdown
    40
  58. 58
    American Express Gold Charge credit card
    American ExpressAmerican Express

    Gold Charge

    ₹5,903/yr net1.8% rateYou pay ₹5,310✈ none

    ✓ Base rate 2% on other spends earns you about ₹4,853 a year on ₹2,42,640 of spend.

    ! You pay the ₹5,310 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    40
  59. 59
    HDFC Bank IndianOil HDFC Bank credit card
    HDFC Bank× IndianOilVisa

    IndianOil HDFC Bank

    ₹4,632/yr net1.4% rateWaived ₹590✈ none

    ✓ 5% Fuel Points at IndianOil (fuel assumed at IOCL, cap 250 pts/mo) earns you about…

    ! No usable lounge access although you asked for it.

    Full breakdown
    40
  60. 60
    Yes Bank RESERV credit card
    Yes BankMastercard

    RESERV

    ₹955/yr net0.3% rateYou pay ₹2,359✈12 dom🌏4 intl

    ✓ 12 points/₹200 on online spends earns you about ₹2,268 a year on ₹1,51,200 of spend.

    ! You pay the ₹2,359 annual fee (incl. GST) – waiver needs ₹4,00,000 spend.

    Full breakdown
    40
  61. 61
    HDFC Bank PIXEL Play credit card
    HDFC BankVisa

    PIXEL Play

    ₹6,732/yr net2.1% rateWaived ₹590✈ none

    ✓ 5% on chosen packs (we assume Dining & Entertainment + Grocery) earns you about ₹4,752 a…

    ! No usable lounge access although you asked for it.

    Full breakdown
    39
  62. 62
    Axis Bank SELECT credit card
    Axis BankMastercard

    SELECT

    ₹941/yr net0.3% rateYou pay ₹3,540✈8 dom🌏6 intl

    ✓ 2X on retail shopping earns you about ₹2,419 a year on ₹1,00,800 of spend.

    ! You pay the ₹3,540 annual fee (incl. GST) – waiver needs ₹6,00,000 spend.

    Full breakdown
    39
  63. 63
    RBL Bank World Safari credit card
    RBL BankMastercard

    World Safari

    ₹803/yr net0.2% rateYou pay ₹3,540✈8 dom🌏8 intl

    ✓ Base rate 0.5% on other spends earns you about ₹1,033 a year on ₹2,06,640 of spend.

    ! You pay the ₹3,540 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    39
  64. 64
    ICICI Bank MakeMyTrip ICICI Bank Signature credit card
    ICICI Bank× MakeMyTripMastercard

    MakeMyTrip ICICI Bank Signature

    ₹3,386/yr net1.0% rateWaived ₹2,950✈8 dom🌏8 intl

    ✓ Base rate 1% on other spends earns you about ₹2,306 a year on ₹2,30,640 of spend.

    ! Not a RuPay card – your UPI QR spends cannot go on it.

    Full breakdown
    38
  65. 65
    HSBC HSBC TravelOne credit card
    HSBCMastercard

    HSBC TravelOne

    −₹2,330/yr net-0.7% rateYou pay ₹5,899✈6 dom🌏4 intl

    ✓ Base rate 1% on other spends earns you about ₹1,644 a year on ₹1,64,400 of spend.

    ! You pay the ₹5,899 annual fee (incl. GST) – waiver needs ₹8,00,000 spend.

    Full breakdown
    37
  66. 66
    SBI Card SimplySAVE SBI Card credit card
    SBI CardVisa

    SimplySAVE SBI Card

    ₹3,105/yr net1.0% rateWaived ₹589✈ none

    ✓ 10 RP/₹100 on dining, movies, grocery, department stores earns you about ₹2,376 a year…

    ! No usable lounge access although you asked for it.

    Full breakdown
    36
  67. 67
    Axis Bank Horizon credit card
    Axis BankVisa

    Horizon

    ₹2,393/yr net0.7% rateYou pay ₹3,540✈8 dom🌏4 intl

    ✓ Base rate 2% on other spends earns you about ₹4,133 a year on ₹2,06,640 of spend.

    ! You pay the ₹3,540 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    36
  68. 68
    IDFC FIRST Bank Ashva credit card
    IDFC FIRST BankVisa

    Ashva

    −₹341/yr net-0.1% rateYou pay ₹3,539✈8 dom🌏8 intl

    ✓ Base rate 0.83% on other spends earns you about ₹2,412 a year on ₹2,90,640 of spend.

    ! You pay the ₹3,539 annual fee (incl. GST) – waiver needs ₹5,00,000 spend.

    Full breakdown
    36
  69. 69
    Federal Bank Celesta credit card
    Federal BankVisa

    Celesta

    −₹773/yr net-0.2% rateYou pay ₹3,540✈8 dom🌏4 intl

    ✓ Base rate 0.75% on other spends earns you about ₹1,233 a year on ₹1,64,400 of spend.

    ! You pay the ₹3,540 annual fee (incl. GST) – waiver needs ₹5,00,000 spend.

    Full breakdown
    36
  70. 70
    ICICI Bank Sapphiro credit card
    ICICI BankVisa

    Sapphiro

    −₹2,317/yr net-0.7% rateYou pay ₹4,130✈16 dom🌏8 intl

    ✓ Base rate 0.5% on other spends earns you about ₹1,453 a year on ₹2,90,640 of spend.

    ! You pay the ₹4,130 annual fee (incl. GST) – waiver needs ₹6,00,000 spend.

    Full breakdown
    36
  71. 71
    HDFC Bank Diners Club Black Metal credit card
    HDFC Bank× Diners ClubDiners Club

    Diners Club Black Metal

    −₹3,680/yr net-1.1% rateYou pay ₹11,800✈∞ dom🌏∞ intl

    ✓ Base rate 2.67% on other spends earns you about ₹5,325 a year on ₹1,99,440 of spend.

    ! You pay the ₹11,800 annual fee (incl. GST) – waiver needs ₹8,00,000 spend.

    Full breakdown
    36
  72. 72
    HDFC Bank 6E Rewards IndiGo HDFC Bank credit card
    HDFC Bank× IndiGoMastercard

    6E Rewards IndiGo HDFC Bank

    ₹3,737/yr net1.1% rateWaived ₹590✈ none

    ✓ 2% on grocery, dining, entertainment earns you about ₹1,901 a year on ₹95,040 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    35
  73. 73
    RBL Bank ShopRite credit card
    RBL BankVisa

    ShopRite

    ₹3,019/yr net0.9% rateWaived ₹590✈ none

    ✓ 20 points/₹100 on grocery (cap 1,000 pts/mo) earns you about ₹2,160 a year on ₹43,200 of…

    ! No usable lounge access although you asked for it.

    Full breakdown
    35
  74. 74
    IndusInd Bank Tiger credit card
    IndusInd BankVisa

    Tiger

    ₹2,936/yr net0.9% rateFree for life✈ none

    ✓ 2.5 points/₹100 on online spends earns you about ₹1,890 a year on ₹1,51,200 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    35
  75. 75
    Axis Bank Neo credit card
    Axis BankVisa

    Neo

    ₹2,266/yr net0.7% rateWaived ₹295✈ none

    ✓ 40% off Zomato up to ₹120 (twice a month) earns you about ₹1,680 a year on ₹16,800 of…

    ! No usable lounge access although you asked for it.

    Full breakdown
    35
  76. 76
    AU Small Finance Bank Zenith+ credit card
    AU Small Finance BankVisa

    Zenith+

    −₹565/yr net-0.2% rateYou pay ₹5,899✈∞ dom🌏4 intl

    ✓ 20 points/₹100 on travel & dining earns you about ₹3,912 a year on ₹78,240 of spend.

    ! You pay the ₹5,899 annual fee (incl. GST) – waiver needs ₹8,00,000 spend.

    Full breakdown
    35
  77. 77
    SBI Card SBI Card MILES ELITE credit card
    SBI CardVisa

    SBI Card MILES ELITE

    −₹3,651/yr net-1.1% rateYou pay ₹5,899✈8 dom🌏6 intl

    ✓ Base rate 0.6% on other spends earns you about ₹1,240 a year on ₹2,06,640 of spend.

    ! You pay the ₹5,899 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.

    Full breakdown
    35
  78. 78
    IDFC FIRST Bank Mayura credit card
    IDFC FIRST BankVisa

    Mayura

    −₹3,881/yr net-1.2% rateYou pay ₹7,079✈12 dom🌏12 intl

    ✓ Base rate 0.83% on other spends earns you about ₹2,412 a year on ₹2,90,640 of spend.

    ! You pay the ₹7,079 annual fee (incl. GST) – waiver needs ₹8,00,000 spend.

    Full breakdown
    35
  79. 79
    SBI Card Yatra SBI Card credit card
    SBI Card× YatraVisa

    Yatra SBI Card

    ₹3,505/yr net1.1% rateWaived ₹589✈ none

    ✓ ₹1,000 off Yatra domestic flights / ₹4,000 off international (≈4%) earns you about…

    ! No usable lounge access although you asked for it.

    Full breakdown
    34
  80. 80
    Kotak Mahindra Bank League Platinum credit card
    Kotak Mahindra BankVisa

    League Platinum

    ₹2,613/yr net0.8% rateWaived ₹589✈ none

    ✓ 8 points/₹150 on department stores, dining, movies earns you about ₹1,264 a year on…

    ! No usable lounge access although you asked for it.

    Full breakdown
    34
  81. 81
    SBI Card SBI Card ELITE credit card
    SBI CardVisa

    SBI Card ELITE

    −₹117/yr net-0.0% rateYou pay ₹5,899✈8 dom🌏6 intl

    ✓ 5X on dining, departmental stores, grocery earns you about ₹2,136 a year on ₹85,440 of…

    ! You pay the ₹5,899 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.

    Full breakdown
    34
  82. 82
    RBL Bank Icon credit card
    RBL BankVisa

    Icon

    −₹4,327/yr net-1.3% rateYou pay ₹5,900✈8 dom

    ✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

    ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    34
  83. 83
    American Express Platinum Reserve credit card
    American ExpressAmerican Express

    Platinum Reserve

    −₹9,014/yr net-2.8% rateYou pay ₹11,800✈8 dom

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! You pay the ₹11,800 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    34
  84. 84
    Axis Bank IndianOil Axis Bank credit card
    Axis Bank× IndianOilRuPay · UPI

    IndianOil Axis Bank

    ₹2,743/yr net0.7% rateWaived ₹590✈ none

    ✓ 20 ERP/₹100 at IndianOil (fuel assumed at IOCL) earns you about ₹1,200 a year on ₹36,000…

    ! No usable lounge access although you asked for it.

    Full breakdown
    33
  85. 85
    Federal Bank Imperio credit card
    Federal BankVisa

    Imperio

    ₹2,668/yr net0.8% rateWaived ₹1,179✈ none

    ✓ 3X on dining, groceries, travel earns you about ₹1,642 a year on ₹1,09,440 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    33
  86. 86
    Bank of Baroda BOBCARD SELECT credit card
    Bank of BarodaVisa

    BOBCARD SELECT

    ₹2,484/yr net0.8% rateWaived ₹885✈ none

    ✓ 5 RP/₹100 on online, utilities, dining earns you about ₹1,803 a year on ₹1,44,240 of…

    ! No usable lounge access although you asked for it.

    Full breakdown
    33
  87. 87
    IDFC FIRST Bank FIRST WOW credit card
    IDFC FIRST BankVisa

    FIRST WOW

    ₹2,307/yr net0.7% rateFree for life✈ none

    ✓ Base rate 0.67% on other spends earns you about ₹1,947 a year on ₹2,90,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    33
  88. 88
    IDFC FIRST Bank FIRST Classic credit card
    IDFC FIRST BankVisa

    FIRST Classic

    ₹2,247/yr net0.7% rateFree for life✈ none

    ✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    33
  89. 89
    HSBC HSBC Visa Platinum credit card
    HSBCVisa

    HSBC Visa Platinum

    ₹1,986/yr net0.6% rateFree for life✈ none

    ✓ Base rate 0.67% on other spends earns you about ₹1,626 a year on ₹2,42,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    32
  90. 90
    SBI Card Air India SBI Signature credit card
    SBI Card× Air IndiaVisa

    Air India SBI Signature

    −₹686/yr net-0.2% rateYou pay ₹5,899✈8 dom

    ✓ Base rate 2% on other spends earns you about ₹4,853 a year on ₹2,42,640 of spend.

    ! You pay the ₹5,899 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    32
  91. 91
    HDFC Bank Marriott Bonvoy HDFC Bank credit card
    HDFC Bank× Marriott BonvoyDiners Club

    Marriott Bonvoy HDFC Bank

    −₹909/yr net-0.3% rateYou pay ₹3,540✈12 dom🌏12 intl

    ✓ Base rate 0.6% on other spends earns you about ₹1,217 a year on ₹2,02,800 of spend.

    ! You pay the ₹3,540 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    32
  92. 92
    HDFC Bank Shoppers Stop HDFC Bank credit card
    HDFC Bank× Shoppers StopVisa

    Shoppers Stop HDFC Bank

    ₹2,369/yr net0.7% rateWaived ₹353✈ none

    ✓ Base rate 0.67% on other spends earns you about ₹1,433 a year on ₹2,13,840 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    31
  93. 93
    IndusInd Bank EazyDiner IndusInd Platinum credit card
    IndusInd Bank× EazyDinerVisa

    EazyDiner IndusInd Platinum

    ₹1,996/yr net0.6% rateWaived ₹2,359✈ none

    ✓ Base rate 0.5% on other spends earns you about ₹1,002 a year on ₹2,00,400 of spend.

    ! Lounge access needs ₹1,50,000 spend per quarter – your spend does not qualify.

    Full breakdown
    31
  94. 94
    Kotak Mahindra Bank 811 #DreamDifferent credit card
    Kotak Mahindra BankVisa

    811 #DreamDifferent

    ₹1,710/yr net0.5% rateFree for life✈ none

    ✓ 2 points/₹100 on online spends earns you about ₹996 a year on ₹1,99,200 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    31
  95. 95
    IndusInd Bank Legend credit card
    IndusInd BankVisa

    Legend

    ₹1,816/yr net0.6% rateFree for life✈ none

    ✓ Base rate 0.6% on other spends earns you about ₹1,456 a year on ₹2,42,640 of spend.

    ! Lounge access needs ₹1,50,000 spend per quarter – your spend does not qualify.

    Full breakdown
    30
  96. 96
    Bank of Baroda BOBCARD EASY credit card
    Bank of BarodaVisa

    BOBCARD EASY

    ₹1,495/yr net0.5% rateWaived ₹590✈ none

    ✓ 5 RP/₹100 on movies, department stores, grocery earns you about ₹660 a year on ₹52,800…

    ! No usable lounge access although you asked for it.

    Full breakdown
    30
  97. 97
    Yes Bank Kiwi (Yes Bank RuPay) credit card
    Yes Bank× KiwiRuPay · UPI

    Kiwi (Yes Bank RuPay)

    ₹3,036/yr net0.8% rateFree for life✈ none

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    29
  98. 98
    Uni (Yes Bank RuPay) Uni Card credit card
    Uni (Yes Bank RuPay)RuPay · UPI

    Uni Card

    ₹3,036/yr net0.8% rateFree for life✈ none

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    29
  99. 99
    Kotak Mahindra Bank PVR INOX Kotak credit card
    Kotak Mahindra Bank× PVR INOXVisa

    PVR INOX Kotak

    ₹1,573/yr net0.5% rateWaived ₹589✈ none

    ✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    29
  100. 100
    RBL Bank Play credit card
    RBL BankVisa

    Play

    ₹1,423/yr net0.4% rateWaived ₹590✈ none

    ✓ Base rate 0.25% on other spends earns you about ₹583 a year on ₹2,33,040 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    29
  101. 101
    IndusInd Bank Pinnacle credit card
    IndusInd BankVisa

    Pinnacle

    ₹3,920/yr net1.2% rateFree for life🌏4 intl

    ✓ 2.5 points/₹100 on online spends earns you about ₹2,646 a year on ₹1,51,200 of spend.

    ! Lounge access needs ₹5,00,000 spend per quarter – your spend does not qualify.

    Full breakdown
    27
  102. 102
    RBL Bank IRCTC RBL Bank credit card
    RBL Bank× IRCTCRuPay · UPI

    IRCTC RBL Bank

    ₹1,308/yr net0.3% rateWaived ₹590✈ none

    ✓ Base rate 0.25% on other spends earns you about ₹580 a year on ₹2,31,840 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    27
  103. 103
    CSB Bank Jupiter Edge CSB Bank credit card
    CSB Bank× JupiterRuPay · UPI

    Jupiter Edge CSB Bank

    ₹2,581/yr net0.7% rateFree for life✈ none

    ✓ 2% on food, grocery & pharmacy (pick 2 categories, cap ₹200 each) earns you about ₹1,709…

    ! No usable lounge access although you asked for it.

    Full breakdown
    26
  104. 104
    HDFC Bank Freedom credit card
    HDFC BankVisa

    Freedom

    ₹872/yr net0.3% rateWaived ₹590✈ none

    ✓ Base rate 0.13% on other spends earns you about ₹294 a year on ₹2,25,840 of spend.

    ! No usable lounge access although you asked for it.

    Full breakdown
    26
  105. 105
    AU Small Finance Bank Zenith credit card
    AU Small Finance BankVisa

    Zenith

    −₹3,322/yr net-1.0% rateYou pay ₹9,439✈∞ dom🌏4 intl

    ✓ Base rate 1.25% on other spends earns you about ₹2,565 a year on ₹2,05,200 of spend.

    ! You pay the ₹9,439 annual fee (incl. GST) – waiver needs ₹5,00,000 spend.

    Full breakdown
    26
  106. 106
    Axis Bank Olympus credit card
    Axis BankVisa

    Olympus

    −₹13,488/yr net-4.1% rateYou pay ₹23,600✈∞ dom🌏∞ intl

    ✓ Base rate 3.5% on other spends earns you about ₹7,232 a year on ₹2,06,640 of spend.

    ! You pay the ₹23,600 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    26
  107. 107
    HSBC HSBC Premier credit card
    HSBCMastercard

    HSBC Premier

    −₹16,689/yr net-5.1% rateYou pay ₹23,600✈∞ dom🌏∞ intl

    ✓ Base rate 2.7% on other spends earns you about ₹6,551 a year on ₹2,42,640 of spend.

    ! You pay the ₹23,600 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    26
  108. 108
    SBI Card IRCTC SBI Platinum credit card
    SBI Card× IRCTCRuPay · UPI

    IRCTC SBI Platinum

    ₹1,818/yr net0.5% rateYou pay ₹354✈ none

    ✓ 10% value back on IRCTC AC tickets (commute assumed partly rail) earns you about ₹1,080…

    ! No usable lounge access although you asked for it.

    Full breakdown
    25
  109. 109
    DBS Bank DBS Vantage credit card
    DBS BankVisa

    DBS Vantage

    −₹4,319/yr net-1.3% rateYou pay ₹7,079✈∞ dom🌏4 intl

    ✓ Base rate 0.9% on other spends earns you about ₹1,860 a year on ₹2,06,640 of spend.

    ! You pay the ₹7,079 annual fee (incl. GST) – waiver needs ₹7,50,000 spend.

    Full breakdown
    25
  110. 110
    SBI Card AURUM credit card
    SBI CardVisa

    AURUM

    −₹9,012/yr net-2.8% rateYou pay ₹11,799✈∞ dom🌏16 intl

    ✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

    ! You pay the ₹11,799 annual fee (incl. GST) – waiver needs ₹12,00,000 spend.

    Full breakdown
    25
  111. 111
    ICICI Bank Emeralde credit card
    ICICI BankVisa

    Emeralde

    −₹9,440/yr net-2.9% rateYou pay ₹14,160✈∞ dom🌏∞ intl

    ✓ Base rate 1.5% on other spends earns you about ₹2,992 a year on ₹1,99,440 of spend.

    ! You pay the ₹14,160 annual fee (incl. GST) – waiver needs ₹8,00,000 spend.

    Full breakdown
    25
  112. 112
    American Express Platinum Charge credit card
    American ExpressAmerican Express

    Platinum Charge

    −₹66,507/yr net-20.4% rateYou pay ₹70,800✈∞ dom🌏∞ intl

    ✓ Base rate 1.25% on other spends earns you about ₹2,583 a year on ₹2,06,640 of spend.

    ! You pay the ₹70,800 annual fee (incl. GST) – waiver needs a fee-based renewal, it is…

    Full breakdown
    25
  113. 113
    ICICI Bank Adani One ICICI Bank Signature credit card
    ICICI Bank× Adani OneVisa

    Adani One ICICI Bank Signature

    −₹1,290/yr net-0.4% rateYou pay ₹5,900✈∞ dom🌏4 intl

    ✓ Base rate 1% on other spends earns you about ₹2,090 a year on ₹2,09,040 of spend.

    ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs ₹5,00,000 spend.

    Full breakdown
    24
  114. 114
    Kotak Mahindra Bank White Reserve credit card
    Kotak Mahindra BankVisa

    White Reserve

    −₹11,357/yr net-3.5% rateYou pay ₹14,750✈∞ dom🌏8 intl

    ✓ Base rate 1.25% on other spends earns you about ₹3,033 a year on ₹2,42,640 of spend.

    ! You pay the ₹14,750 annual fee (incl. GST) – waiver needs ₹20,00,000 spend.

    Full breakdown
    24
  115. 115
    ICICI Bank Times Black ICICI Bank credit card
    ICICI Bank× TimesMastercard

    Times Black ICICI Bank

    −₹20,207/yr net-6.2% rateYou pay ₹23,600✈∞ dom🌏∞ intl

    ✓ Base rate 1.25% on other spends earns you about ₹3,033 a year on ₹2,42,640 of spend.

    ! You pay the ₹23,600 annual fee (incl. GST) – waiver needs ₹25,00,000 spend.

    Full breakdown
    24
  116. 116
    Axis Bank Reserve credit card
    Axis BankVisa

    Reserve

    −₹55,000/yr net-16.8% rateYou pay ₹59,000✈∞ dom🌏∞ intl

    ✓ Base rate 1.5% on other spends earns you about ₹3,640 a year on ₹2,42,640 of spend.

    ! You pay the ₹59,000 annual fee (incl. GST) – waiver needs ₹35,00,000 spend.

    Full breakdown
    24
  117. 117
    Axis Bank Magnus credit card
    Axis BankMastercard

    Magnus

    −₹12,421/yr net-3.8% rateYou pay ₹14,750✈∞ dom🌏8 intl

    ✓ Base rate 0.96% on other spends earns you about ₹2,329 a year on ₹2,42,640 of spend.

    ! You pay the ₹14,750 annual fee (incl. GST) – waiver needs ₹25,00,000 spend.

    Full breakdown
    23
  118. 118
    OneCard (SBM / partner banks) OneCard credit card
    OneCard (SBM / partner banks)Visa

    OneCard

    ₹1,265/yr net0.4% rateFree for life✈ none

    ✓ 5X on your top 2 categories each month (assumed dining & groceries) earns you about ₹854…

    ! No usable lounge access although you asked for it.

    Full breakdown
    21
  119. 119
    IndusInd Bank Avios Visa Infinite credit card
    IndusInd Bank× AviosVisa

    Avios Visa Infinite

    −₹2,412/yr net-0.7% rateYou pay ₹5,900🌏8 intl

    ✓ Base rate 1.2% on other spends earns you about ₹2,480 a year on ₹2,06,640 of spend.

    ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs ₹6,00,000 spend.

    Full breakdown
    11