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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.
Axis Bank№ 241

IndiGo Axis Bank Credit Card

Voucher worth 1,200 IndiGo BluChips as a welcome benefit on payment of the joining fee.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Kotak Mahindra Bank№ 244

Indigo Kotak Credit Card

Kick start your IndiGo Kotak Credit Card journey with a welcome benefit voucher of 2,500 IndiGo BluChips

AirlineDining
Annual feeNot confirmed
Top earn rateNot confirmed
Kotak Mahindra Bank№ 245

IndiGo Kotak XL Credit Card

Credit card issued by Kotak Mahindra Bank.

AirlineDining
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 246

IndiGo SBI Card

Visa card issued by SBI Card.

AirlinePremium
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 247

IndiGo SBI Card ELITE

Credit card issued by SBI Card.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
IndusInd Bank№ 248

Indulge Credit Card

Visa card issued by IndusInd Bank.

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
IndusInd Bank№ 249

Indus Solitaire Credit Card

Spend INR 1 lakh in first 30 days from card issuance date and earn 5000 Bonus Reward Points

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 252

INFINIA Metal Edition

Visa card issued by HDFC Bank.

Lounge AccessMetal Card
Annual feeNot confirmed
Top earn rateNot confirmed
ESAF Small Finance Bank№ 253

INORI RuPay Platinum Credit Card

Credit card issued by ESAF Small Finance Bank.

No Annual Fee
Annual fee₹0per year
Top earn rateNot confirmed
Indian Overseas Bank№ 254

IOB novio Platinum Credit Card

Credit card issued by Indian Overseas Bank.

Premium
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Overseas Bank№ 255

IOB novio Select Credit Card

Credit card issued by Indian Overseas Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
Indian Overseas Bank№ 256

IOB RuPay Classic

Credit card issued by Indian Overseas Bank.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Overseas Bank№ 257

IOB RuPay Platinum

Credit card issued by Indian Overseas Bank.

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Overseas Bank№ 258

IOB RuPay Select

Credit card issued by Indian Overseas Bank.

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Overseas Bank№ 260

IOB VISA Platinum

Visa card issued by Indian Overseas Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Indian Overseas Bank№ 261

IOB VISA Signature

Visa card issued by Indian Overseas Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Baroda (BOBCARD)№ 262

IRCTC BOBCARD

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

PremiumTravel
Annual fee₹350per year
Top earn rateNot confirmed
HDFC Bank№ 263

IRCTC HDFC Bank Credit Card

Credit card issued by HDFC Bank.

PremiumRewards
Annual fee₹500per year · can be waived
Top earn rateNot confirmed
RBL Bank№ 264

IRCTC RBL Bank Credit Card

Credit card issued by RBL Bank.

PremiumTravel
Annual fee₹500per year
Top earn rateNot confirmed
SBI Card№ 265

IRCTC SBI Card Premier

Visa card issued by SBI Card.

Premium
Annual fee₹1,499per year
Top earn rateNot confirmed
SBI Card№ 266

IRCTC SBI Platinum Card

Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days of card issuance.

PremiumWelcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
AU Small Finance Bank№ 267

ixigo AU

Visa card issued by AU Small Finance Bank.

Travel
Annual feeNot confirmed
Top earn rateNot confirmed
Jammu & Kashmir Bank№ 268

J&K Bank Eminent Credit Card

Mastercard issued by Jammu & Kashmir Bank.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Jammu & Kashmir Bank№ 269

J&K Bank Gold Credit Card

Credit card issued by Jammu & Kashmir Bank.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Jammu & Kashmir Bank№ 270

J&K Bank Platinum Credit Card

Visa card issued by Jammu & Kashmir Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
RBL Bank№ 272

Jalsa Credit Card

Enjoy a INR 1,000 Quick Commerce Voucher on joining

PremiumWelcome Bonus
Annual fee₹999per year
Top earn rate5%Not yet checked with RBL BankBlinkit / Zepto / Myntra / Swiggy / Zomato / Meesho / Urban Company / Flipkart / AJIO
Karnataka Bank№ 276

Karnataka Bank SBI Card PRIME

Visa card issued by Karnataka Bank.

TravelPremium
Annual feeNot confirmed
Top earn rateNot confirmed
SBI Card№ 278

Karur Vysya Bank - SBI Card

Credit card issued by SBI Card.

PremiumWelcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
YES Bank№ 280

Klick Credit Card

Credit card issued by YES Bank.

Annual feeNot confirmed
Top earn rateNot confirmed
Kotak Mahindra Bank№ 281

Kotak 811 Credit Card

Credit card issued by Kotak Mahindra Bank.

PremiumRewards
Annual feeNot confirmed
Top earn rate2 pts per ₹100Online
Kotak Mahindra Bank№ 282

Kotak Air Credit Card

Credit card issued by Kotak Mahindra Bank.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Kotak Mahindra Bank№ 283

Kotak Air+ Credit Card

Credit card issued by Kotak Mahindra Bank.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Kotak Mahindra Bank№ 284

Kotak Air+ Prime Credit Card

Credit card issued by Kotak Mahindra Bank.

Premium
Annual fee₹3,000per year
Top earn rateNot confirmed
Kotak Mahindra Bank№ 285

Kotak Biz Credit Card

Credit card issued by Kotak Mahindra Bank.

BusinessPremium
Annual fee₹499per year
Top earn rateNot confirmed
Kotak Mahindra Bank№ 286

Kotak Biz Edge Credit Card

Credit card issued by Kotak Mahindra Bank.

BusinessPremium
Annual fee₹999per year
Top earn rateNot confirmed
Kotak Mahindra Bank№ 287

Kotak Cashback+ Credit Card

Credit card issued by Kotak Mahindra Bank.

Cash BackDining
Annual fee₹750per year
Top earn rateNot confirmed
Kotak Mahindra Bank№ 288

Kotak Cashback+ Prime Credit Card

Credit card issued by Kotak Mahindra Bank.

Cash BackDining
Annual fee₹750per 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.