Best Travel Credit Cards
Earn miles, get lounge access and save on every flight booking
Axis Bank
Axis Magnus Credit Card
Best Travel CardPremium
Annual FeeRs 10,000 (waived Rs 15L spend)
REWARD RATE
35 EDGE Miles per Rs 100
- Miles transfer to Singapore Airlines, Air India, InterMiles
- Unlimited domestic and international lounge access
- Travel insurance up to Rs 1 crore
- On Rs 25,000 ticket earn approx Rs 3,500 in future travel
- Golf privileges at premium courses
HDFC Bank
HDFC Regalia Credit Card
Best for MakeMyTrip
Annual FeeRs 2,500 (often waived)
REWARD RATE
5X on MakeMyTrip plus Rs 1,200 cashback
- 5X reward points on MakeMyTrip bookings
- Rs 1,200 cashback via MMT wallet
- 12 domestic lounge visits per year
- Milestone benefits worth Rs 5,000 vouchers
- Comprehensive travel insurance
Citibank
Citi Premier Miles Card
Best for Miles
Annual FeeRs 3,000 (reversed on Rs 1L spend)
REWARD RATE
10 miles per Rs 100 on airlines
- 10 miles per Rs 100 directly on airlines
- Miles transfer to KrisFlyer, Avios, InterMiles
- Best for India to Southeast Asia routes
- 4 miles per Rs 100 on all other spends
- Airport lounge access included
Best Shopping Credit Cards
Maximum cashback and rewards on online and offline shopping
HDFC Bank
HDFC Millennia Credit Card
Best Shopping Card
Annual FeeRs 1,000 (waived on Rs 1L spend)
REWARD RATE
5% cashback on Amazon, Flipkart, Myntra
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy
- 1% cashback on all other spends
- Rs 1,000 gift voucher on joining
- 8 domestic lounge visits per year
- No minimum transaction for cashback
SBI Card
SBI SimplyCLICK Credit Card
Lifetime Free OptionBudget Pick
Annual FeeRs 499 (waived on Rs 1L spend)
REWARD RATE
10X on Amazon, BookMyShow, Cleartrip
- 10X rewards on Amazon, Lenskart, Cleartrip
- 5X rewards on all other online spends
- Rs 500 Amazon voucher on spending Rs 1L per year
- Easy approval for first-time card users
- Best for everyday online shopping
Amazon Pay
Amazon Pay ICICI Credit Card
Lifetime Free
Annual FeeZero — Lifetime Free
REWARD RATE
5% back on Amazon for Prime members
- 5% cashback on Amazon for Prime members
- 3% cashback on Amazon for non-Prime members
- 2% on partner merchants
- 1% on all other spends
- Cashback credited as Amazon Pay balance instantly
Best Food and Dining Credit Cards
Save on Swiggy, Zomato, restaurants and food delivery
Swiggy HDFC
Swiggy HDFC Bank Credit Card
Best for Swiggy
Annual FeeRs 500 (waived on Rs 2L spend)
REWARD RATE
10% cashback on Swiggy
- 10% cashback on all Swiggy orders
- 5% on Instamart and Dineout
- 1% on all other spends
- 3 months Swiggy One membership free
- No minimum order for cashback
Zomato RBL
Zomato RBL Bank Credit Card
Best for Zomato
Annual FeeRs 500
REWARD RATE
10% off on Zomato orders
- 10% discount on every Zomato order
- Zomato Gold membership benefits
- 2% cashback on dining at restaurants
- 1% on all other spends
- Movie ticket discounts on BookMyShow
Axis Bank
Axis Ace Credit Card
Best Food App Card
Annual FeeRs 499 (waived on Rs 2L spend)
REWARD RATE
4% cashback on Swiggy, Zomato, Ola, Uber
- 4% cashback on Swiggy, Zomato, Ola and Uber
- 5% on Google Pay bill payments
- 2% unlimited cashback on all other spends
- No cap on cashback earned
- Works across all food apps not just one
Best Fuel Credit Cards
Save on petrol, diesel and CNG with fuel surcharge waivers
BPCL SBI
BPCL SBI Credit Card
Best Fuel Card
Annual FeeRs 499 (waived on Rs 50K spend)
REWARD RATE
13X rewards at BPCL pumps
- 13X reward points at BPCL petrol pumps
- Fuel surcharge waiver up to Rs 100 per month
- 4.25% value back on BPCL fuel
- 5X on groceries and dining
- Welcome gift worth Rs 500
Indian Oil Axis
Indian Oil Axis Bank Credit Card
Lifetime Free
Annual FeeZero — Lifetime Free
REWARD RATE
20X EDGE rewards at Indian Oil
- 20X EDGE reward points at IndianOil pumps
- Lifetime free with zero annual fee ever
- 1% fuel surcharge waiver
- 4X on groceries and utility bills
- Easy approval with low income requirement
HPCL ICICI
HPCL Coral ICICI Credit Card
Budget Friendly
Annual FeeRs 199
REWARD RATE
6 reward points per Rs 100 at HPCL
- 6X rewards at HPCL petrol pumps
- 2.5% fuel surcharge waiver at HPCL
- 2X on groceries and dining
- Very low annual fee of Rs 199
- Movie discounts via BookMyShow
Best Overall Rewards Cards
Maximum value across all categories
HDFC Bank
HDFC Diners Club Black
Best OverallUltra Premium
Annual FeeRs 10,000 (waived on Rs 5L spend)
REWARD RATE
10X on travel, dining, online shopping
- Unlimited domestic and international lounge access
- Golf rounds at premium courses worldwide
- Annual fee reversed on Rs 5L annual spend
- Best-in-class travel insurance coverage
- Concierge service available 24/7
SBI Card
SBI Card Elite
Best Mid Range
Annual FeeRs 4,999 (waived on Rs 10L spend)
REWARD RATE
5X on dining, departmental, groceries
- 6 domestic lounge visits per year
- Club Vistara Silver membership included
- Priority Pass membership with 2 free visits
- Movie tickets buy 2 get 1 free
- Rs 10,000 welcome vouchers on joining
IDFC First Bank
IDFC First Select Card
Lifetime FreeBest Free All Rounder
Annual FeeZero — Lifetime Free
REWARD RATE
10X on weekends, 3X on weekdays
- 10X reward points on all weekend spends
- 3X on all weekday spends
- 4 domestic lounge visits per year free
- Zero forex markup fee for international use
- Personal accident cover Rs 2 lakh
Best Lifetime Free Credit Cards
Zero annual fee forever with great rewards and no cost
IDFC First Bank
IDFC First Select Card
Lifetime FreeTop Pick
Annual FeeZero — Lifetime Free
REWARD RATE
10X on weekends, 3X weekdays
- 10X reward points on weekends
- 3X on weekday spends
- 4 domestic lounge visits per year
- Zero forex markup fee
- Personal accident cover Rs 2 lakh
Amazon Pay ICICI
Amazon Pay ICICI Credit Card
Lifetime Free
Annual FeeZero — Lifetime Free
REWARD RATE
5% back on Amazon Prime
- 5% cashback on Amazon for Prime members
- 3% for non-Prime members on Amazon
- 2% on paying at partner merchants
- 1% on all other spends unlimited
- Cashback credited instantly as Amazon Pay balance
Flipkart Axis
Flipkart Axis Bank Credit Card
Lifetime Free
Annual FeeZero — Lifetime Free
REWARD RATE
5% cashback on Flipkart and Myntra
- 5% cashback on Flipkart and Myntra
- 4% on Cleartrip and other partners
- 1.5% on all other spends
- Rs 500 Flipkart voucher on first transaction
- Easy approval and instant card issuance