Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in India in 2026? We compared 15 credit cards from top banks in India to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Reserve Bank of India (RBI).
Quick Comparison: All 15 Credit cards in India
Side-by-side comparison of every credit card option in India as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. CMA One Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 2. Easy Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Chip/Pin, Supplementary Cards, I… | View → |
| 3. Eterna Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 4. HPCL BoB ENERGIE | Bank of Baroda | 3.49% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 5. ICAI Exclusive Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Lounge Access, Dinning Benefits,… | View → |
| 6. ICSI DIAMOND Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 7. INDIAN ARMY YODDHA | Bank of Baroda | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 8. IRCTC BoB | Bank of Baroda | 3.49% per month | Shopping Discounts, Dinning Benefits, Entertainment … | View → |
| 9. PRAGATI Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Chip/Pin, Supplementary Cards, I… | View → |
| 10. Premier Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Lounge Access, Global Acceptance… | View → |
| 11. Prime Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Lounge Access, Chip/Pin, Supplem… | View → |
| 12. Select Credit Card | Bank of Baroda | 3.49% per month | Shopping Discounts, Chip/Pin, Supplementary Cards, I… | View → |
| 13. Snapdeal | Bank of Baroda | 3.49% per month | Shopping Discounts, Chip/Pin, Supplementary Cards, I… | View → |
| 14. RUPAY PLATINUM INTERNATIONAL | Bank Of India | 3.25% per month | Shopping Discounts, Lounge Access, Global Acceptance… | View → |
| 15. RUPAY SWADHAN PLATINUM | Bank Of India | 3.25% per month | Shopping Discounts, Global Acceptance, Chip/Pin, Sup… | View → |
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
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right 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
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — all products listed are from banks regulated by Reserve Bank of India (RBI)
Frequently Asked Questions: Credit cards in India
What is the best credit card in India for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare all 15 options on this page.
What credit score do I need for a credit card in India?
Most banks in India require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
Can I apply online for a credit card in India?
Yes, most major banks in India now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Yes — all 15 options listed are from banks regulated by Reserve Bank of India (RBI). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in India?
Fees vary by tier and bank: classic cards typically INR 0–1,500/year, gold INR 1,500–3,000, platinum INR 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
Can I get a credit card if I am self-employed in India?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees (typically INR 500–2,000), a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for India
- All banks in India
- Bank branches across India
- Credit Cards In India 2026
- Personal Loans In India 2026
- Savings Accounts In India 2026
- India EMI calculator
- India savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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