Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in India in 2026? We hold verified data on 162 credit cards in India and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in India. It is the set Buzdy has verified data for, from 15 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in India
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. MakeMyTrip ICICI Signature | ICICI Bank | No annual fee | 40.8% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 2. Duo Card | IndusInd Bank | No annual fee | 42% per month | Cashback, Rewards points, Digital wallet, Shopping offers | View → |
| 3. Euphoria Credit Card | IDBI Bank | No annual fee | 40.2% per month | Airport lounge, Rewards points, Travel benefits, Shopping offers | View → |
| 4. PNB Global Gold Credit Card | Punjab National Bank | No annual fee | 40.2% per month | Airport lounge, Cashback, Rewards points, Shopping offers | View → |
| 5. Prime Credit Card | Bank of Baroda | No annual fee | 41.88% per month | Airport lounge, Cashback, Rewards points, Shopping offers | View → |
| 6. Canara Bank RuPay Platinum | Canara Bank | No annual fee | 39% per month | Airport lounge, Rewards points, Shopping offers, Supplementary cards | View → |
| 7. RUPAY PLATINUM INTERNATIONAL | Bank Of India | No annual fee | 39% per month | Airport lounge, Rewards points, Shopping offers, Supplementary cards | View → |
| 8. LIC Axis Bank Signature Credit Card | Axis Bank | No annual fee | 45% per month | Airport lounge | View → |
| 9. SBI Card PRIME Advantage | State Bank of India | INR 2,999 | 42% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 10. Visa Celesta | Federal Bank | Not published | 41.88% per month | Airport lounge, Rewards points, Travel benefits, Shopping offers | View → |
| 11. Kotak Infinite Credit Card | Kotak Mahindra Bank | Not published | 42% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 12. Central Bank of India Elite | Central Bank of India | INR 4,999 | 39% per month | Airport lounge, Rewards points, Shopping offers, Entertainment | View → |
| 13. IB-VISA-Platinum | Indian Bank | Not published | 39% per month | Airport lounge, Shopping offers, Supplementary cards | View → |
| 14. Platinum Credit Card | Dhanlaxmi Bank Limited | Not published | 39% per month | Cashback, Shopping offers, Supplementary cards | View → |
| 15. UCO Bank SBI Card ELITE | UCO Bank | INR 4,999 | Not published | Airport lounge, Rewards points, Entertainment | View → |
The 15 Credit Cards in Detail
1. MakeMyTrip ICICI Signature
Bank: ICICI Bank
- Annual fee: No annual fee
- Interest rate: 40.8% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards
Premium travel card from ICICI Bank and MakeMyTrip with higher myCash earn rates on travel bookings. Features complimentary international airport lounge access, quarterly railway lounge visits, Rs 2,500 in holiday vouchers as welcome gift, and fuel surcharge waiver.
2. Duo Card
Bank: IndusInd Bank
- Annual fee: No annual fee
- Interest rate: 42% per month
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Digital wallet, Shopping offers, Entertainment, Supplementary cards
The IndusInd Bank Duo Card comes with two Magnetic stripes & EMV Chips. Simply dip/swipe or enter the relevant card details to enjoy the convenience, flexibility and freedom to choose how you pay as well as access cash without carrying multiple cards.
3. Euphoria Credit Card
Bank: IDBI Bank
- Annual fee: No annual fee
- Interest rate: 40.2% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Shopping offers, Supplementary cards
IDBI Bank's premium travel card earning 6 reward points per Rs 100 on travel and 3 on other spends. Features unlimited complimentary airport lounge access at select airports, up to Rs 25 lakh air accident insurance cover, and zero loss liability on reported fraudulent transactions.
4. PNB Global Gold Credit Card
Bank: Punjab National Bank
- Annual fee: No annual fee
- Interest rate: 40.2% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Shopping offers, Supplementary cards
PNB Global Gold Visa card earning 1 reward point per Rs 100 spent. Features 24/7 customer support, balance transfer from other banks at low interest rates, EMI facility on purchases above Rs 2,500, and global acceptance at all Visa merchant outlets and ATMs worldwide.
5. Prime Credit Card
Bank: Bank of Baroda
- Annual fee: No annual fee
- Interest rate: 41.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Shopping offers, Supplementary cards
This card is a secured credit card that is a good option for those who have no credit history or bad credit.
6. Canara Bank RuPay Platinum
Bank: Canara Bank
- Annual fee: No annual fee
- Interest rate: 39% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Shopping offers, Supplementary cards
Canara Bank RuPay Platinum Credit Card is a lifetime free credit card that offers a host of benefits.
7. RUPAY PLATINUM INTERNATIONAL
Bank: Bank Of India
- Annual fee: No annual fee
- Interest rate: 39% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Shopping offers, Supplementary cards
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 insurance cover, and zero annual maintenance fees.
8. LIC Axis Bank Signature Credit Card
Bank: Axis Bank
- Annual fee: No annual fee
- Interest rate: 45% per month
- Minimum income: Not published
- Verified benefits: Airport lounge
The higher tier of the LIC co-branded range, with no joining or annual fee and complimentary domestic lounge visits.
9. SBI Card PRIME Advantage
Bank: State Bank of India
- Annual fee: INR 2,999 (Rs. 2,999)
- Interest rate: 42% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
SBI Card PRIME Advantage offering elevated rewards on dining, grocery and lifestyle categories. Features Rs 50 lakh air accident cover, Rs 1 lakh fraud liability cover, complimentary golf access with up to 50% off on games, Tablet Plus hotel membership, and airport lounge visits.
10. Visa Celesta
Bank: Federal Bank
- Annual fee: Not published
- Interest rate: 41.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Federal Bank Visa Celesta Credit Card offers you a bouquet of features such as lowest dynamic APR, 3-2-1 rewards, Amazon Pay e-Voucher.
11. Kotak Infinite Credit Card
Bank: Kotak Mahindra Bank
- Annual fee: Not published
- Interest rate: 42% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
The Kotak Infinite Credit Card is an ‘invite-only’ Credit Card, specifically tailored for individuals who settle for nothing but the best in class for everything they do.
12. Central Bank of India Elite
Bank: Central Bank of India
- Annual fee: INR 4,999 (Rs. 4,999)
- Interest rate: 39% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Shopping offers, Entertainment, Supplementary cards
Premium Central Bank of India card co-branded with SBI offering 5X rewards on dining, grocery and departmental stores. Includes Priority Pass with 6 international lounge visits per year, lowest 1.99% forex markup, Rs 5,000 welcome e-gift voucher, and complimentary fraud cover.
13. IB-VISA-Platinum
Bank: Indian Bank
- Annual fee: Not published
- Interest rate: 39% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Shopping offers, Supplementary cards
From golf, to dining, shopping and more. Enjoy a host of attractive lifestyle privileges and experiences.
14. Platinum Credit Card
Bank: Dhanlaxmi Bank Limited
- Annual fee: Not published
- Interest rate: 39% per month
- Minimum income: Not published
- Verified benefits: Cashback, Shopping offers, Supplementary cards
The Dhanlaxmi Bank Platinum Credit Card opens up a world of privileges designed especially for you! With this card, you have a variety of offers to choose from to make your shopping experience pleasurable.
15. UCO Bank SBI Card ELITE
Bank: UCO Bank
- Annual fee: INR 4,999 (Rs 4,999 per annum from the second year; add-on cards free. Annual fee reversed on spends of Rs 10 lakh and above)
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Entertainment
The top tier of UCO Bank's credit card range, issued with SBI Card. Built around Priority Pass lounge access, complimentary Club Vistara and Trident Privilege memberships and a large annual movie-ticket benefit.
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 — check the issuer's licence on the Reserve Bank of India (RBI) public register before you apply
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 the 15 products in this guide above.
What credit score do I need for a credit card in India?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
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?
Retail banking in India is supervised by Reserve Bank of India (RBI). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in India charge?
Of the 162 credit cards Buzdy lists for India, 78 publish an annual fee amount, from INR 99 to INR 12,500 with a median of INR 500. 18 are published as free and 66 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact 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, 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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