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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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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.
Bank of Baroda (BOBCARD)№ 97

BOBCARD SELECT

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

PremiumRewards
Annual fee₹750per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 98

BOBCARD TIARA

Credit card issued by Bank of Baroda (BOBCARD).

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 99

BOBCARD Uni GoldX

Credit card issued by Bank of Baroda (BOBCARD).

No Annual Fee
Annual fee₹0per year
Top earn rateNot confirmed
SBI Card№ 100

BPCL SBI Card

Credit card issued by SBI Card.

Gas & FuelPremium
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 101

BPCL SBI Card OCTANE

Visa card issued by SBI Card.

Gas & FuelPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 102

BUPB/BGGB/BRKGB PRAGATI BOBCARD

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

PremiumWelcome Bonus
Annual fee₹250per year
Top earn rateNot confirmed
ICICI Bank№ 103

Business Advantage Black Card

Credit card issued by ICICI Bank.

BusinessPremium
Annual fee₹1,000per year
Top earn rateNot confirmed
ICICI Bank№ 104

Business Advantage Blue Card

Credit card issued by ICICI Bank.

BusinessPremium
Annual fee₹500per year
Top earn rateNot confirmed
ICICI Bank№ 105

Business Essential Credit Card

Earn 1500 Reward Points on first month's bill payment

BusinessPremium
Annual fee₹1,000per year
Top earn rateNot confirmed
IDFC First Bank№ 106

Business Max

Credit card issued by IDFC First Bank.

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 107

Business Multiplier

Credit card issued by IDFC First Bank.

BusinessLounge Access
Annual fee₹1,000per year
Top earn rateNot confirmed
HDFC Bank№ 108

Business Regalia First

Visa card issued by HDFC Bank.

BusinessTravel
Annual fee₹1,000per year
Top earn rateNot confirmed
YES Bank№ 109

BYOC (Build Your Own Card)

Credit card issued by YES Bank.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 110

Cashback Credit Card

Enjoy EDGE Reward points worth ₹1000 upon first transaction within 30 days of card issuance.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 111

Cashback SBI Card

Visa card issued by SBI Card.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
IndusInd Bank№ 112

Celesta Credit Card

Amex card issued by IndusInd Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
AU Small Finance Bank№ 113

CheQ AU

Visa card issued by AU Small Finance Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 115

City Union Bank SimplySAVE SBI Card

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

PremiumWelcome Bonus
Annual fee₹499per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 116

CMA ONE BOBCARD

Earn 500 reward points on spend of ₹5,000 and above within 60 days of card issuance & an additional 4,000 reward points every quarter, on spending more than ₹1Lac or your card's credit limit.(whichever is higher)

Welcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
RBL Bank№ 118

Cookies Credit Card

Credit card issued by RBL Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
ICICI Bank№ 119

Coral Credit Card

Visa card issued by ICICI Bank.

Lounge AccessPremium
Annual fee₹500per year
Top earn rateNot confirmed
Kotak Mahindra Bank№ 120

Corporate Gold Credit Card

Credit card issued by Kotak Mahindra Bank.

BusinessLounge Access
Annual fee₹1,000per year
Top earn rateNot confirmed
Kotak Mahindra Bank№ 121

Corporate Platinum Credit Card

Credit card issued by Kotak Mahindra Bank.

BusinessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 124

Credit Card Against FD

Visa card issued by HDFC Bank.

No Credit HistorySecured
Annual feeNot confirmed
Top earn rateNot confirmed
IndusInd Bank№ 126

Crest Credit Card

Visa card issued by IndusInd Bank.

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
City Union Bank№ 131

CUB SRH Credit Card

Mastercard issued by City Union Bank.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Dbs Bank India№ 132

DBS Spark10

Visa card issued by Dbs Bank India.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Dbs Bank India№ 133

DBS Spark20

Visa card issued by Dbs Bank India.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Dbs Bank India№ 134

DBS Spark5

Visa card issued by Dbs Bank India.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Dbs Bank India№ 135

DBS Vantage Card

Visa card issued by Dbs Bank India.

PremiumTravel
Annual feeNot confirmed
Top earn rateNot confirmed
DCB Bank№ 137

DCB novio Credit Card

Credit card issued by DCB Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
DCB Bank№ 138

DCB PayLess Platinum Card

Credit card issued by DCB Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
DCB Bank№ 139

DCB PayLess Select Card

Credit card issued by DCB Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
DCB Bank№ 140

DCB ZET Credit Card

Credit card issued by DCB Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 142

Diamond Reserve

On payment of the joining fee, you will receive multiple premium brand offers worth over ₹5,000, including complimentary memberships and discounts from ET Prime, Lenskart, MakeMyTrip, Mokobara, and IDFC FIRST Bank Mobile App.

Lounge AccessLow Interest
Annual feeNot confirmed
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.