Best Credit Cards in India — Compare 162 Cards
Every credit card we can verify as issued in India — 162 cards from 17 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in India — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 39% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 18 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 120 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Airport lounge access with no annual fee at all.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 82 qualifying cards.
Card details On Buzdy — no verified issuer link on file yetAt 23.88% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 140 qualifying cards.
Go to hdfcbank.com HDFC Bank's site — this card is not linked directly
Headline cashback of up to 10% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 40 qualifying cards.
Go to axisbank.com Axis Bank's site — this card is not linked directly
Accepts a monthly salary from INR 12,000 — the lowest published requirement in our data for this market.
Chosen by: Lowest published minimum monthly salary. Picked from 19 qualifying cards.
Go to hdfcbank.com HDFC Bank's site — this card is not linked directlyCompare all 162 India credit cards
Figures are as each bank publishes them. 19 of 162 cards state a minimum monthly salary, 96 state an annual fee, 140 state an interest or profit rate and 120 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 30 of 162 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 6 of these 162 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 162 cards above for you.
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More about credit cards in India
The 162 cards compared above are every credit card we can attribute to India itself, from 17 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in INR as published by each bank.
Looking for a credit card in India?
Compare what banks in India actually offer — rates, fees and eligibility, updated for 2026.
Banks we track in India
Keep going in India
Guides for India
India — frequently asked questions
Which credit cards have no annual fee in India?
SBI Card Unnati (State Bank of India), Platinum Chip Credit Card (ICICI Bank), Coral Credit Card (ICICI Bank), MakeMyTrip ICICI Bank Platinum (ICICI Bank) are among the 51 cards in our India data with a zero or waived annual fee.
What is the best cashback credit card in India?
We track 40 cashback cards in India. CASHBACK SBI Card from State Bank of India publishes: 5% Cashback on online spends without any merchant restriction 1% Cashback on offline* spends. The right one depends on where you actually spend — the finder above ranks them for your profile.
What salary do I need for a credit card in India?
Published minimum income requirements in our India data include Net monthly income above Rs 2.5 lakh for salaried applicants; Net monthly income above Rs 1,00,000 (government) or Rs 1,50,000 (non-government) for salaried applicants; Net monthly income above Rs 35,000 for salaried applicants. Enter your salary above and the finder only shows cards you meet the stated requirement for.
How does the card finder pick a card?
It scores every card we hold for India against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.