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★ THE HONEST NUMBER ON EVERY CARD591 CARDS TRACKEDNO BIAS · NO SIGNUP
File Nº 01 — India Cards

The honest number on every India credit card.

Every card we hold for India — fee, network, and welcome offer, with no marketing copy and no pay-to-rank. Where a figure has never been recorded, we leave it blank rather than guess it.

*figures come from issuers’ own terms and regulators’ published documents. Each card's review page marks which of its figures a document states — and marks the rest Not yet checked, or Not published where we checked, or Issuer restricts access.

591
India cards tracked
26
categories filed
Browse by issuer

Every bank and lender we list

Each issuer's page lists the cards it offers today, with the figures we have confirmed against its own terms.

The ledger

All credit cards in India

Showing 48 of 591
Search
Network
Annual fee
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Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
SBM Bank India№ 482

SBM ZET Credit Card

Credit card issued by SBM Bank India.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 483

Scapia Axis Bank Credit Card

Credit card issued by Axis Bank.

Lounge AccessNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Scapia№ 484

Scapia BOBCARD Credit Card

Credit card issued by Scapia.

No Annual FeeNo FX Fee
Annual fee₹0per year
Top earn rateNot confirmed
Indian Bank№ 486

Secured Cards (VISA/RuPay)

Visa card issued by Indian Bank.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Saraswat Co-operative Bank№ 488

Secured Credit Card

Get rewarded with 500 Welcome Bonus points on card activation and earn 300 Reward points on 1st successful transactions. Click here to register/ login to view your reward points.

SecuredWelcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
YES Bank№ 491

SELECT Credit Card

Credit card issued by YES Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 492

Shaurya Select SBI Card

Credit card issued by SBI Card.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
RBL Bank№ 495

Shoprite Credit Card

Credit card issued by RBL Bank.

PremiumWelcome Bonus
Annual fee₹500per year
Top earn rateNot confirmed
South Indian Bank№ 496

SIB One Co-Branded Credit Card

Visa card issued by South Indian Bank.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 497

SimplyCLICK SBI Card

Get Amazon.in e-Gift Card worth Rs. 500 on payment of Annual Fee

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 498

SimplySAVE SBI Card

Spend Rs. 2,000 or more in first 60 days and get 2,000 Bonus Reward Points

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Slice№ 499

slice UPI Credit Card

Visa card issued by Slice.

Cash BackNo Annual Fee
Annual fee₹0per year
Top earn rateNot confirmed
Utkarsh Small Finance Bank№ 500

SmartGen Credit Card

Mastercard issued by Utkarsh Small Finance Bank.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 501

SNAPDEAL BOBCARD

Go for a shopping spree and get Snapdeal vouchers worth up to ₹500 on card usage within the first 30 days of issuance.** 500 bonus reward points on spends of Rs. 5000 or more within 60 days of card issuance.*

RewardsWelcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
Kotak Mahindra Bank№ 502

Solitaire Business Credit Card

Credit card issued by Kotak Mahindra Bank.

BusinessLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 507

Spar SBI Card

Visa card issued by SBI Card.

Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 508

SpiceJet Axis Bank Voyage Black Credit Card

Complete 2 transactions within 30 days of card issuance to get a SpiceJet voucher worth ₹4000.

Lounge AccessPremium
Annual fee₹2,000per year
Top earn rateNot confirmed
Axis Bank№ 509

SpiceJet Axis Bank Voyage Credit Card

Complete 2 transactions within 30 days of card issuance to get a SpiceJet voucher worth ₹ 1500.

Lounge AccessPremium
Annual fee₹750per year
Top earn rateNot confirmed
Standard Chartered India№ 510

Standard Chartered Beyond Credit Card

INR 15,000 Get Welcome Vouchers on payment of joining fee

Bills & UtilitiesLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Standard Chartered India№ 516

Standard Chartered Rewards Credit Card

Mastercard issued by Standard Chartered India.

Lounge AccessPremium
Annual fee₹1,000per year · can be waived
Top earn rateNot confirmed
Standard Chartered India№ 517

Standard Chartered Smart Credit Card

Visa card issued by Standard Chartered India.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Standard Chartered India№ 519

Standard Chartered Ultimate Credit Card

Earn 6000 Reward Points* worth Rs. 6000 on payment of joining fee with Ultimate Credit Card.

GroceriesLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Utkarsh Small Finance Bank№ 520

superCard

Credit card issued by Utkarsh Small Finance Bank.

No Annual FeeRewards
Annual fee₹0per year
Top earn rateNot confirmed
Axis Bank№ 521

SUPERMONEY RuPay Credit Card

Credit card issued by Axis Bank.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 526

Swavlamban

Credit card issued by Bank of Baroda (BOBCARD).

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 527

Swiggy BLCK HDFC Bank Credit Card

Visa card issued by HDFC Bank.

Cash BackOnline Shopping
Annual fee₹1,000per year · can be waived
Top earn rateNot confirmed
HDFC Bank№ 528

Swiggy HDFC Bank Credit Card

Visa card issued by HDFC Bank.

Cash BackPremium
Annual fee₹500per year · can be waived
Top earn rateNot confirmed
Questions

Frequently asked

How many credit cards does PointsExplained track in India?

We currently track 591 credit cards in India, covering every major bank and issuer. Each card records the issuer's published fee, network, category, and welcome offer where we hold one.

What is the best credit card in India?

The best card depends on your spending. For travel, look for accelerated earn on travel and dining. For everyday value, a card with broad earn and no yearly cost is ideal. Use the category chips and filters above to narrow 591 cards to your wallet.

How do I compare credit cards on this page?

Filter by network (Visa, Mastercard, Amex) and annual fee, then open any card for the full review. To put two or three cards head to head, use the Compare tool, which lays them out side by side on a single ledger.

Why do some cards show a blank annual fee?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “₹0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How do I know which of a card's details have been checked?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.