Looking for the best Credit Cards in India? We have compared 15 Credit Cards from top banks in India to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in India (2026)
1. CMA One Credit Card
Bank: Bank of Baroda
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 5 Reward Points for every 100 spent on dining, online & utility bills
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Chip/Pin, Supplementary Cards
This card is a co-branded card with the Institute of Cost Accountants of India (CMA)
2. Easy Credit Card
Bank: Bank of Baroda
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 5X reward points for every Rs. 100 spent on departmental stores and movie spends, and 1 reward point for every Rs. 100 spent on other categories.
- Benefits: Shopping Discounts, Chip/Pin, Supplementary Cards, Interest Free Days
This card is a good option for those looking for a low-cost card with no annual fee.
3. Eterna Credit Card
Bank: Bank of Baroda
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 3 reward points for every ₹ 100 spent on other categories. 1.5 reward points for every ₹ 100 spent on SELECT MCCs*.
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Entertainment Benefits, Lifestyle Privileges
This card is a premium card that offers high rewards on travel, dining, and online shopping.
4. HPCL BoB ENERGIE
Bank: Bank of Baroda
- Annual Fee: Rs.499
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Entertainment Benefits, Chip/Pin, Supplementary Cards
Your HPCL Bank of Baroda ENERGIE Credit Card gives plentiful rewards and not only make fuel purchases easier on your pocket, it is designed to make your everyday life filled with a full tank of happin
5. ICAI Exclusive Credit Card
Bank: Bank of Baroda
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 1 reward points for every ₹ 100 spent on any other category.
- Benefits: Shopping Discounts, Lounge Access, Dinning Benefits, Entertainment Benefits, Chip/Pin, Supplementary Cards
This card is a co-branded card with the Institute of Chartered Accountants of India (ICAI).
6. ICSI DIAMOND Credit Card
Bank: Bank of Baroda
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 5 Reward Points for every 100 spent on dining, online & utility bills
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Entertainment Benefits, Chip/Pin
This card is a co-branded card with the Institute of Company Secretaries of India (ICSI).
7. INDIAN ARMY YODDHA
Bank: Bank of Baroda
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 10 Reward Points for every ₹100 spent on Grocery & Departmental Stores. 2 Reward Points for every ₹100 spent in Other Categories.
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Entertainment Benefits, Lifestyle Privileges
Exclusive credit card for Indian Army personnel by Bank of Baroda with zero annual fees. Offers 10X reward points on grocery spends, 8 complimentary airport lounge visits per year, Amazon Prime member
8. IRCTC BoB
Bank: Bank of Baroda
- Annual Fee: Rs.500
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 2 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App
- Benefits: Shopping Discounts, Dinning Benefits, Entertainment Benefits, Chip/Pin, Supplementary Cards, Interest Free Days
IRCTC BoB Credit Card has been specially designed so you get to board a plethora of complimentary services, rewards, benefits, and a wholesome experience of travelling by train, to cherish lifelong.
9. PRAGATI Credit Card
Bank: Bank of Baroda
- Annual Fee: Zero Annual Fees basis card usage
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 5 Reward Points for every ₹ 100 spent on Grocery, Departmental Stores & Movies
- Benefits: Shopping Discounts, Chip/Pin, Supplementary Cards, Interest Free Days
This card is a co-branded card with the National Scheduled Castes Finance and Development Corporation (NSFDC).
10. Premier Credit Card
Bank: Bank of Baroda
- Annual Fee: Zero annual fees basis card usage
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 10 Reward Points* for every Rs. 100 spent on Travel, Dining and Abroad (International spends) 2 Reward Points for every Rs. 100 spent on other categories 1 Reward Point for every Rs. 100 spen
- Benefits: Shopping Discounts, Lounge Access, Global Acceptance, Chip/Pin, Supplementary Cards, Interest Free Days
Bank of Baroda's premium lifestyle card offering 5X rewards on travel, dining and international spends. Includes quarterly airport lounge access, Rs 50 lakh air accident cover, 1% fuel surcharge waive
11. Prime Credit Card
Bank: Bank of Baroda
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: Earn 1 reward points for every 100 spent on select MCCs* Earn 2 reward points for every 100 spent on all other MCCs
- Benefits: Shopping Discounts, Lounge Access, Chip/Pin, Supplementary Cards, Interest Free Days
This card is a secured credit card that is a good option for those who have no credit history or bad credit.
12. Select Credit Card
Bank: Bank of Baroda
- Annual Fee: ₹ 750
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 5X i.e. 5 Reward Points* for every Rs. 100 spent on Dining and Online spends 1 Reward Point for every Rs. 100 spent on other categories. 0.5 Reward Point for every Rs. 100 spent on Select MC
- Benefits: Shopping Discounts, Chip/Pin, Supplementary Cards, Interest Free Days
This card is a good option for those looking for a card with more rewards and benefits.
13. Snapdeal
Bank: Bank of Baroda
- Annual Fee: Rs.249
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Cashback: 5% Unlimited Cashback (20 Reward Points per 100) for your purchases on Snapdeal website & app only
- Rewards: 10 Reward Points for every 100 spent on Online Shopping, Grocery & Departmental Stores and 4 Reward Points for every 100 spent on other categories
- Benefits: Shopping Discounts, Chip/Pin, Supplementary Cards, Interest Free Days
Your SNAPDEAL Bank of Baroda Credit Card gives delightful activation benefit, shopping rewards and unlimited cashback so that you remain taiyaar for every khushi in life.
14. RUPAY PLATINUM INTERNATIONAL
Bank: Bank Of India
- Interest Rate: 3.25% per month
- Salary/Eligibility: Not Required
- Rewards: Customer will get 2X Reward points in POS an ECOM transactions.
- Benefits: Shopping Discounts, Lounge Access, Global Acceptance, Chip/Pin, Supplementary Cards, Interest Free Days
Bank of India RuPay Platinum card accepted globally including Nepal. Offers 2X reward points on POS and online purchases, up to 51 days interest-free credit, free domestic lounge access, Rs 2 lakh ins
15. RUPAY SWADHAN PLATINUM
Bank: Bank Of India
- Interest Rate: 3.25% per month
- Salary/Eligibility: Not Required
- Rewards: Customer will get 2X Reward points in POS an ECOM transactions.
- Benefits: Shopping Discounts, Global Acceptance, Chip/Pin, Supplementary Cards, Interest Free Days, Internet Banking
Secured credit card from Bank of India issued against a fixed deposit. Features lifetime-free annual fees, 2 StarPoints per Rs 100 on regular spends, 3 StarPoints on preferred categories, chip-and-PIN
How to Choose a Credit Card in India
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by RBI
Frequently Asked Questions
What is the best Credit Card in India for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in India now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in India?
Besides cards, popular payment methods include UPI, Paytm, PhonePe.
Compare all Credit Cards in India →
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How We Compare Best Credit Cards in India 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in India. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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