Skip to content
★ 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
Sort
Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
HDFC Bank№ 193

Freedom

500 Reward Points on fee realisation.

DiningPremium
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 194

Gaj: Credit Card

Credit card issued by IDFC First Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 195

GIGA Business Credit Card

Visa card issued by HDFC Bank.

BusinessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
ICICI Bank№ 196

Gold Business Credit Card

Credit card issued by ICICI Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 198

Google Pay Flex SBI Card

Credit card issued by SBI Card.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 201

Hello Cashback

Credit card issued by IDFC First Bank.

Cash BackNo Credit History
Annual fee₹1,000per year
Top earn rateNot confirmed
ICICI Bank№ 202

HPCL Coral Credit Card

Visa card issued by ICICI Bank.

Gas & Fuel
Annual fee₹199per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 203

HPCL ENERGIE BOBCARD

Credit card issued by Bank of Baroda (BOBCARD).

Gas & FuelRewards
Annual feeNot confirmed
Top earn rateNot confirmed
ICICI Bank№ 204

HPCL Super Saver Credit Card

Joining Benefits Get 2,000 reward points

Gas & FuelLounge Access
Annual fee₹500per year
Top earn rateNot confirmed
HSBC India№ 205

HSBC Live+ Credit Card

Visa card issued by HSBC India.

Cash BackDining
Annual fee₹999per year
Top earn rateNot confirmed
HSBC India№ 206

HSBC Premier Credit Card

Mastercard issued by HSBC India.

Lounge AccessPremium
Annual fee₹20,000per year
Top earn rateNot confirmed
HSBC India№ 207

HSBC RuPay Cashback Credit Card

Credit card issued by HSBC India.

Cash BackLounge Access
Annual fee₹499per year
Top earn rateNot confirmed
HSBC India№ 209

HSBC Taj Credit Card

Visa card issued by HSBC India.

HotelLounge Access
Annual fee₹1,10,000per year
Top earn rateNot confirmed
HSBC India№ 210

HSBC TravelOne Credit Card

Mastercard issued by HSBC India.

Lounge AccessPremium
Annual fee₹4,999per year
Top earn rateNot confirmed
Indian Bank№ 212

IB-RuPay-Classic

Credit card issued by Indian Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
Indian Bank№ 213

IB-RuPAY-Platinum

Credit card issued by Indian Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Bank№ 214

IB-RuPay-Select

Credit card issued by Indian Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Bank№ 216

IB-VISA-Bharat

Visa card issued by Indian Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
Indian Bank№ 217

IB-VISA-Business

Visa card issued by Indian Bank.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Bank№ 218

IB-VISA-Gold

Visa card issued by Indian Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
Indian Bank№ 219

IB-VISA-Platinum

Visa card issued by Indian Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 220

ICAI Exclusive BOBCARD

Credit card issued by Bank of Baroda (BOBCARD).

Annual feeNot confirmed
Top earn rateNot confirmed
RBL Bank№ 222

Icon Credit Card

Get 20,000 bonus reward points as welcome benefit.

PremiumRewards
Annual fee₹5,000per year
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 223

ICSI DIAMOND BOBCARD

Earn 500 reward points on spend of ₹5,000 and above within 60 days of card issuance & an additional 3999 Reward Points every quarter, on spending more than ₹1 Lac or your card's credit limit. (whichever is higher)

Welcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
IDBI Bank№ 224

IDBI Bank Aspire Platinum Credit Card

500 bonus delight points on card activation. 500 bonus delight points on first transaction of Rs. 1,500 or more within 30 days of card activation.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
IDBI Bank№ 225

IDBI Bank Euphoria World Credit Card

500 bonus delight points on card activation. 750 bonus delight points on first transaction of Rs. 5,000 or more within 30 days of card activation.

PremiumRewards
Annual feeNot confirmed
Top earn rate6 pts per ₹100Two independent reads agree · not quoted verbatimTravel
IDBI Bank№ 226

IDBI Bank Imperium Platinum Credit Card

500 bonus delight points on card activation. 500 bonus delight points on first transaction of Rs. 1,500 or more within 30 days of card activation.

PremiumRewards
Annual feeNot confirmed
Top earn rate2 pts per ₹150Two independent reads agree · not quoted verbatimOther
IDBI Bank№ 227

IDBI Bank Royale Signature Credit Card

Visa card issued by IDBI Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rate3 pts per ₹100Two independent reads agree · not quoted verbatimOther
IDBI Bank№ 228

IDBI Eclat Select Credit Card

Credit card issued by IDBI Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
IDBI Bank№ 229

IDBI Winnings Credit Card

Credit card issued by IDBI Bank.

Rewards
Annual feeNot confirmed
Top earn rate2 pts per ₹100Two independent reads agree · not quoted verbatimOther
Bank of Baroda (BOBCARD)№ 230

Indian Army YODDHA BOBCARD

500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.

Welcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 232

Indian Coast Guard RAKSHAMAH BOBCARD

500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.

Welcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 233

Indian Navy VARUNAH BOBCARD

Credit card issued by Bank of Baroda (BOBCARD).

Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 234

IndianOil Axis Bank Credit Card

Visa card issued by Axis Bank.

Gas & FuelOnline Shopping
Annual fee₹500per year · can be waived
Top earn rateNot confirmed
HDFC Bank№ 237

IndianOil HDFC Bank Credit Card

INR 250 worth of voucher upon card activation and completion of at least one transaction within 37 days from card issuance date

Bills & UtilitiesGas & Fuel
Annual fee₹500per year
Top earn rateNot confirmed
Kotak Mahindra Bank№ 238

IndianOil Kotak Credit Card

Get 1000 Reward points as welcome benefit on spending INR 500 within 30 days of card issuance

DiningGas & Fuel
Annual fee₹449per 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.