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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.
Union Bank Of India№ 145

DIVAA ICON Credit Card

Credit card issued by Union Bank Of India.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 146

Doctor's SBI Card

Visa card issued by SBI Card.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
RBL Bank№ 147

EasySaver Credit Card

Credit card issued by RBL Bank.

PremiumRewards
Annual fee₹499per year
Top earn rate8 pts per ₹400Not yet checked with RBL BankBill Payment
IndusInd Bank№ 148

EazyDiner Credit Card

Visa card issued by IndusInd Bank.

PremiumRewards
Annual fee₹2,999per year
Top earn rateNot confirmed
YES Bank№ 150

ELITE+ Credit Card

Credit card issued by YES Bank.

TravelPremium
Annual feeNot confirmed
Top earn rateNot confirmed
ICICI Bank№ 151

Emeralde Credit Card

Mastercard issued by ICICI Bank.

Lounge AccessPremium
Annual fee₹12,000per year
Top earn rateNot confirmed
YES Bank№ 153

EMI Credit Card

Credit card issued by YES Bank.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
ICICI Bank№ 154

Emirates Emeralde Credit Card

Mastercard issued by ICICI Bank.

AirlineLounge Access
Annual fee₹10,000per year
Top earn rateNot confirmed
ICICI Bank№ 155

Emirates Sapphiro Credit Card

Mastercard issued by ICICI Bank.

AirlineLounge Access
Annual fee₹5,000per year
Top earn rateNot confirmed
IndusInd Bank№ 157

ePay Amex Credit Card

Amex card issued by IndusInd Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
Equitas Small Finance Bank№ 158

Equitas PowerMiles Credit Card

Visa card issued by Equitas Small Finance Bank.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Equitas Small Finance Bank№ 159

Equitas Selfe Credit Card

Visa card issued by Equitas Small Finance Bank.

Lounge AccessMetal Card
Annual feeNot confirmed
Top earn rateNot confirmed
Equitas Small Finance Bank№ 160

Equitas Tiga Credit Card

Visa card issued by Equitas Small Finance Bank.

Lounge AccessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
YES Bank№ 161

Essence Credit Card

Credit card issued by YES Bank.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Utkarsh Small Finance Bank№ 162

Eternal Credit Card

Mastercard issued by Utkarsh Small Finance Bank.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Karur Vysya Bank№ 163

Eternis

Credit card issued by Karur Vysya Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
ICICI Bank№ 164

Expressions Credit Card

Visa card issued by ICICI Bank.

PremiumRewards
Annual fee₹499per year
Top earn rateNot confirmed
Federal Bank№ 172

Federal Scapia Credit Card

Visa card issued by Federal Bank.

No Annual FeeNo FX Fee
Annual fee₹0per year
Top earn rateNot confirmed
Axis Bank№ 173

Fibe Axis Bank Credit Card

Credit card issued by Axis Bank.

Lounge AccessNo Annual Fee
Annual fee₹0per year
Top earn rate3%Entertainment
YES Bank№ 174

FinBooster Credit Card

Credit card issued by YES Bank.

Credit Building
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 175

FIRST Business

Credit card issued by IDFC First Bank.

BusinessDining
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 176

FIRST Classic

Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*

DiningLow Interest
Annual fee₹0per year
Top earn rateNot confirmed
IDFC First Bank№ 177

FIRST Corporate

Credit card issued by IDFC First Bank.

BusinessLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 178

FIRST Digital RuPay Credit Card

Limited Period Introductory offer - 100% cashback of ₹200, i.e. up to ₹50 each, on first 4 UPI transactions done within 15 days of card issuance.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 179

FIRST EARN (Secured RuPay)

Yes, you can earn 10% cashback up to ₹250 on your first transaction, done within 15 days of card generation. Card generation refers to the point at which your card is created along with FD funding.

Low InterestNo Credit History
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 180

FIRST Millennia

Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*

Low InterestNo Annual Fee
Annual fee₹0per year
Top earn rateNot confirmed
IDFC First Bank№ 182

FIRST Private

Commencement Fee Payment Benefit: 50,000 Reward Points redeemable up to ₹50,000

Low InterestNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 183

FIRST Purchase

Credit card issued by IDFC First Bank.

BusinessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 184

FIRST Select

Visa card issued by IDFC First Bank.

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 185

FIRST SWYP

Welcome Offer: Gift voucher worth ₹500 on spending ₹5,000 within 30 days of joining fee payment

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 186

FIRST Wealth

Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*

DiningLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 187

FIRST WOW!

Credit card issued by IDFC First Bank.

Low InterestNo Credit History
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 188

FIRST WOW! Black

Upon payment of the joining fee for the FIRST WOW! Black Credit Card, you’ll receive welcome benefits worth over ₹5,000, including exclusive travel and lifestyle offers.

Lounge AccessLow Interest
Annual fee₹750per year
Top earn rateNot confirmed
Axis Bank№ 189

Flipkart Axis Bank Credit Card

Visa card issued by Axis Bank.

Cash BackPremium
Annual fee₹500per year · can be waived
Top earn rateNot confirmed
SBI Card№ 191

Flipkart SBI Card

Visa card issued by SBI Card.

PremiumStore & Retail
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.