Credit Card Guide for India

Find the Perfect Credit Card
for Your Life

Compare 68+ credit cards from 17 banks. Rewards, cashback, lounge access, fees — everything in one place.

68+
Cards Listed
17
Banks
₹0
Service Fee
5★
Expert Rated
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Rewards Calculator
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Eligibility Checker
Your income + CIBIL → see cards you'll likely get approved for
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Card Roast
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Card Match Quiz
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Best Of Lists
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🧮 Rewards Calculator

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Top cards for your spending pattern:
* Estimates based on base reward rate. Actual earnings may vary with caps, bonus categories, and redemption value. Verify on issuer's website.

✅ Eligibility Checker

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🔥 Card Roast

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Frequently Asked Questions
Quick answers to the most common credit card questions
For beginners, look for lifetime-free cards with no joining fee — IDFC First Select, SBI SimplyCLICK, or HDFC MoneyBack+. These build your credit history without any annual cost. Aim for a CIBIL score of 700+ first to get approved easily.
Most standard cards require 700+. Premium cards (HDFC Regalia, Axis Magnus) need 750+. Super premium cards (Infinia, Centurion) typically need 800+ and are invite-only. If your score is below 700, start with a secured credit card or become an add-on holder on a family member's card.
Joining fee is a one-time charge when you get the card. Annual/renewal fee is charged every year on your card anniversary. Many cards waive the annual fee if you spend above a threshold (e.g., ₹1.5–2 lakh/year). Lifetime-free (LTF) cards have no fee ever.
You earn points on every purchase (e.g., 2 RP per ₹100). Points are typically worth ₹0.25–₹1 depending on how you redeem — flights and hotel transfers give best value, statement credit gives least. Cashback cards directly credit money to your account — simpler but often lower value than premium rewards cards.
For unlimited domestic lounge access, HDFC Infinia Metal and Axis Reserve are top picks. For 4–8 free quarterly visits, HDFC Regalia Gold, Axis Magnus, and SBI Card Elite are strong mid-tier options. For international lounge (Priority Pass), HDFC Infinia and Axis Reserve offer unlimited complimentary visits.
Yes — each credit card application triggers a hard enquiry that can drop your CIBIL by 5–10 points. Multiple applications in a short period signal credit-hungry behaviour to lenders. Apply for one card at a time, wait 3–6 months between applications, and only apply for cards you're likely to be approved for based on your income and CIBIL profile.

Data sourced from public bank MITC/product pages, indicative as of early 2026. Fees exclude 18% GST unless stated. Rewards, caps & benefits change frequently — always verify on the issuer's website before applying.
Moneyed is not a bank/NBFC. Card recommendations are based on publicly available data and do not constitute financial advice.
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