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Compare 50+ cards across India’s top RBI-regulated banks. Enjoy Lifetime Free cards, free airport lounge visits, and up to 5% unlimited cashback on online shopping.

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₹0 Joining Fee
Airport Lounge
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5% Cashback
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Cards

India's Highest Rated Credit Cards

Compare verified reward rates, zero annual fee offers, and airport lounge perks in a single glance.

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Most Popular
IDFC FIRST Bank

IDFC FIRST Millennia

4.9
Annual Fee₹0 (Lifetime Free)
Joining Fee₹0
Key Benefit:10X Reward Points (Never Expire)
  • Zero Annual & Joining Fee forever
  • 10X Reward points on incremental spends
  • Free Roadside Assistance worth ₹1,399
  • Interest-free cash withdrawal for up to 48 days
Best for Shopping
HDFC Bank

HDFC Millennia Credit Card

4.8
Annual Fee₹1,000 (Waived on ₹1L spend)
Joining Fee₹1,000
Key Benefit:5% Direct Cashback on Amazon, Flipkart, Swiggy
  • 5% Cashback on Amazon, Flipkart, Swiggy, Zomato & Myntra
  • 1% Cashback on all other offline & online retail spends
  • 8 Complimentary domestic airport lounge visits per year
  • 1% fuel surcharge waiver across India
Highest Return
SBI Card

SBI Cashback Credit Card

4.9
Annual Fee₹999 (Waived on ₹2L spend)
Joining Fee₹999
Key Benefit:5% Cashback on ALL Online Spends (No Merchant Restrictions)
  • Flat 5% cashback on virtually every online transaction
  • 1% cashback on offline spends & utility bill payments
  • Cashback auto-credited directly to monthly statement
  • 1% fuel surcharge waiver up to ₹100 per statement
Zero Annual Fee
ICICI Bank

Amazon Pay ICICI Card

4.8
Annual Fee₹0 (Lifetime Free)
Joining Fee₹0
Key Benefit:5% Unlimited Amazon Pay Balance for Prime Members
  • 5% cashback for Amazon Prime members (3% for non-prime)
  • 2% cashback on 100+ Amazon Pay partner merchants (Uber, Swiggy)
  • 1% cashback on all other dining and shopping spends
  • 15% dining savings with ICICI Culinary Treats
Best for Bills
Axis Bank

Axis Bank Airtel Card

4.7
Annual Fee₹500 (Waived on ₹2L spend)
Joining Fee₹500
Key Benefit:25% Cashback on Airtel Mobile, DTH & Broadband
  • 25% cashback on Airtel mobile, broadband, and WiFi recharges
  • 10% cashback on utility bill payments (Electricity, Water, Gas)
  • 10% cashback on Swiggy, Zomato, and BigBasket
  • 4 complimentary domestic airport lounge access visits/year
Premium Travel
Bank of Baroda (BOB)

Bank of Baroda Eterna

4.8
Annual Fee₹2,499 (Waived on ₹2.5L spend)
Joining Fee₹2,499
Key Benefit:Unlimited Domestic Airport Lounge Visits
  • Unlimited domestic airport lounge access across India
  • Buy 1 Get 1 Free movie tickets on Paytm (up to ₹250)
  • Comprehensive personal accidental insurance cover of ₹1 Cr
  • 1% fuel surcharge waiver up to ₹250 per month
100% Flexible
AU Small Finance Bank

AU Small Finance Bank LIT

4.7
Annual Fee₹0 (Lifetime Free)
Joining Fee₹0
Key Benefit:Customizable 5% Cashback on Travel/Dining On-Demand
  • Turn features on or off as needed via AU 0101 app
  • Up to 4 airport lounge visits per 90-day period
  • 5% or 2% accelerated cashback on your selected category
  • Zero annual fee base card
Exclusive Golf
IndusInd Bank

IndusInd Legend Credit Card

4.7
Annual Fee₹0 (Lifetime Free after joining)
Joining Fee₹0 to ₹9,999 (Special Offer)
Key Benefit:2 Reward Points per ₹100 spent on weekends
  • Complimentary golf games and lessons in leading Indian clubs
  • 1 complimentary domestic lounge visit per quarter
  • Buy 1 Get 1 movie tickets on BookMyShow (up to 3 tickets/month)
  • Zero lost card liability after reporting
Most Popular
IDFC FIRST Bank

IDFC FIRST Millennia

4.9
Annual Fee₹0 (Lifetime Free)
Joining Fee₹0
Key Benefit:10X Reward Points (Never Expire)
  • Zero Annual & Joining Fee forever
  • 10X Reward points on incremental spends
  • Free Roadside Assistance worth ₹1,399
  • Interest-free cash withdrawal for up to 48 days
Best for Shopping
HDFC Bank

HDFC Millennia Credit Card

4.8
Annual Fee₹1,000 (Waived on ₹1L spend)
Joining Fee₹1,000
Key Benefit:5% Direct Cashback on Amazon, Flipkart, Swiggy
  • 5% Cashback on Amazon, Flipkart, Swiggy, Zomato & Myntra
  • 1% Cashback on all other offline & online retail spends
  • 8 Complimentary domestic airport lounge visits per year
  • 1% fuel surcharge waiver across India
Highest Return
SBI Card

SBI Cashback Credit Card

4.9
Annual Fee₹999 (Waived on ₹2L spend)
Joining Fee₹999
Key Benefit:5% Cashback on ALL Online Spends (No Merchant Restrictions)
  • Flat 5% cashback on virtually every online transaction
  • 1% cashback on offline spends & utility bill payments
  • Cashback auto-credited directly to monthly statement
  • 1% fuel surcharge waiver up to ₹100 per statement
Zero Annual Fee
ICICI Bank

Amazon Pay ICICI Card

4.8
Annual Fee₹0 (Lifetime Free)
Joining Fee₹0
Key Benefit:5% Unlimited Amazon Pay Balance for Prime Members
  • 5% cashback for Amazon Prime members (3% for non-prime)
  • 2% cashback on 100+ Amazon Pay partner merchants (Uber, Swiggy)
  • 1% cashback on all other dining and shopping spends
  • 15% dining savings with ICICI Culinary Treats
Best for Bills
Axis Bank

Axis Bank Airtel Card

4.7
Annual Fee₹500 (Waived on ₹2L spend)
Joining Fee₹500
Key Benefit:25% Cashback on Airtel Mobile, DTH & Broadband
  • 25% cashback on Airtel mobile, broadband, and WiFi recharges
  • 10% cashback on utility bill payments (Electricity, Water, Gas)
  • 10% cashback on Swiggy, Zomato, and BigBasket
  • 4 complimentary domestic airport lounge access visits/year
Premium Travel
Bank of Baroda (BOB)

Bank of Baroda Eterna

4.8
Annual Fee₹2,499 (Waived on ₹2.5L spend)
Joining Fee₹2,499
Key Benefit:Unlimited Domestic Airport Lounge Visits
  • Unlimited domestic airport lounge access across India
  • Buy 1 Get 1 Free movie tickets on Paytm (up to ₹250)
  • Comprehensive personal accidental insurance cover of ₹1 Cr
  • 1% fuel surcharge waiver up to ₹250 per month
100% Flexible
AU Small Finance Bank

AU Small Finance Bank LIT

4.7
Annual Fee₹0 (Lifetime Free)
Joining Fee₹0
Key Benefit:Customizable 5% Cashback on Travel/Dining On-Demand
  • Turn features on or off as needed via AU 0101 app
  • Up to 4 airport lounge visits per 90-day period
  • 5% or 2% accelerated cashback on your selected category
  • Zero annual fee base card
Exclusive Golf
IndusInd Bank

IndusInd Legend Credit Card

4.7
Annual Fee₹0 (Lifetime Free after joining)
Joining Fee₹0 to ₹9,999 (Special Offer)
Key Benefit:2 Reward Points per ₹100 spent on weekends
  • Complimentary golf games and lessons in leading Indian clubs
  • 1 complimentary domestic lounge visit per quarter
  • Buy 1 Get 1 movie tickets on BookMyShow (up to 3 tickets/month)
  • Zero lost card liability after reporting
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Compare credit cards across all major public, private, and foreign banks registered under Reserve Bank of India (RBI).

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SBI Card
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Axis Bank
IDFC FIRST Bank
Kotak Mahindra Bank
Bank of Baroda (BOB)
IndusInd Bank
AU Small Finance Bank
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PNB Bank
Federal Bank
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Yes! Banks like IDFC FIRST Bank, ICICI Bank (Amazon Pay), AU Small Finance Bank, and IndusInd offer Lifetime Free credit cards that have ₹0 joining fee and ₹0 annual fee with no hidden maintenance charges.
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