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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
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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.
AU Small Finance Bank№ 49

AU Zenith

Visa card issued by AU Small Finance Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
AU Small Finance Bank№ 50

AU Zenith+

Visa card issued by AU Small Finance Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 51

AURUM SBI Card

Visa card issued by SBI Card.

PremiumTravel Insurance
Annual fee₹9,999per year
Top earn rateNot confirmed
IndusInd Bank№ 52

Avios Visa Infinite Credit Card

Visa card issued by IndusInd Bank.

AirlineMetal Card
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 53

Axis Bank ACE Credit Card

Visa card issued by Axis Bank.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 54

Axis Bank Atlas Credit Card

Visa card issued by Axis Bank.

PremiumRewards
Annual fee₹5,000per year
Top earn rateNot confirmed
Axis Bank№ 60

Axis Bank Horizon Credit Card

Credit card issued by Axis Bank.

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 62

Axis Bank Magnus Credit Card

Visa card issued by Axis Bank.

Lounge AccessPremium
Annual fee₹12,500per year · can be waived
Top earn rateNot confirmed
Axis Bank№ 65

Axis Bank MY Zone Credit Card

Receive a SonyLIV premium annual subscription valued at ₹1499 for free with your first purchase within first 30 days of issuance.

Lounge AccessPremium
Annual fee₹500per year
Top earn rateNot confirmed
Axis Bank№ 67

Axis Bank NEO Credit Card

Mastercard issued by Axis Bank.

NRIPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 72

Axis Bank Privilege Easy Credit Card

Get 12500 EDGE REWARD points, worth ₹2500 redeemable against vouchers upon levy of joining fees and on completion of 1st transaction within 30 days of card issuance.

Lounge AccessPremium
Annual fee₹1,500per year
Top earn rateNot confirmed
Axis Bank№ 74

Axis Bank Rewards Credit Card

Enjoy 5,000 EDGE REWARD Points on cumulative net spends of ₹1,000 or above within 30 days of card issuance.

Lounge AccessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 75

Axis Bank Select Credit Card

Visa card issued by Axis Bank.

Lounge AccessPremium
Annual fee₹3,000per year
Top earn rateNot confirmed
Axis Bank№ 76

Axis Bank Shoppers Stop Credit Card

Enjoy First Citizen reward points worth ₹300 upon first transaction within 30 days of card issuance

PremiumStore & Retail
Annual fee₹500per year
Top earn rateNot confirmed
Bank of Maharashtra№ 77

Bank of Maharashtra SBI Credit Card ELITE

Welcome e-Gift Voucher worth Rs.5,000, from an array of travel and lifestyle brands : Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop.

Premium
Annual fee₹4,999per year
Top earn rateNot confirmed
Bank of Maharashtra№ 78

Bank of Maharashtra SBI Credit Card PRIME

Welcome e-Gift Voucher worth Rs. 3000, from an array of travel and lifestyle brands : Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop.

Premium
Annual feeNot confirmed
Top earn rate10 pts per ₹100Dining
RBL Bank№ 80

Binge Credit Card

Get 4,000 Reward points on payment of annual fee and spends of INR 2,000 made within 30 days of card issuance (No welcome rewards will be given to First Year Free cards).

PremiumWelcome Bonus
Annual fee₹999per year
Top earn rate12 pts per ₹100Not yet checked with RBL BankOnline
HDFC Bank№ 82

BizFirst Credit Card

Visa card issued by HDFC Bank.

Bills & UtilitiesBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 83

BizGrow

Visa card issued by HDFC Bank.

Bills & UtilitiesBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 84

BizPower Credit Card

Get Amazon Prime membership or Rs. 1500 Amazon Voucher on 1 Tax (IT,GST) or Travel or Ads(Meta Ads, Google Ads) transaction in first 30 days of card issuance.

Bills & UtilitiesBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 85

BOBCARD Cashback

Mastercard issued by Bank of Baroda (BOBCARD).

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 86

BOBCARD CORPORATE

Earn 500 Reward Points on spent of ₹5,000 within 60 days of card issuance.

BusinessPremium
Annual fee₹1,000per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 87

BOBCARD EASY

Earn 500 reward points on spends of Rs 5000 within 60 days of card issuance

PremiumRewards
Annual fee₹500per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 88

BOBCARD EMPOWER

Earn 500 Reward Points on spent of ₹5,000 within 60 days of card issuance.

BusinessPremium
Annual fee₹500per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 89

BOBCARD ETERNA

Credit card issued by Bank of Baroda (BOBCARD).

TravelPremium
Annual fee₹2,499per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 90

BOBCARD Etihad Guest

Credit card issued by Bank of Baroda (BOBCARD).

AirlinePremium
Annual fee₹2,500per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 91

BOBCARD Etihad Guest Premium

Visa card issued by Bank of Baroda (BOBCARD).

AirlineLounge Access
Annual fee₹5,000per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 92

BOBCARD Micro Enterprise

Credit card issued by Bank of Baroda (BOBCARD).

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 93

BOBCARD One

Credit card issued by Bank of Baroda (BOBCARD).

No Annual Fee
Annual fee₹0per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 94

BOBCARD PREMIER

Credit card issued by Bank of Baroda (BOBCARD).

PremiumTravel
Annual fee₹1,000per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 95

BOBCARD PRIME

Credit card issued by Bank of Baroda (BOBCARD).

Secured
Annual feeNot confirmed
Top earn rate2 pts per ₹100Other
Bank of Baroda (BOBCARD)№ 96

BOBCARD Scapia

Visa card issued by Bank of Baroda (BOBCARD).

No Annual FeeNo FX Fee
Annual fee₹0per year
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.