With the arrival of the new year, most credit card users are searching for new deals and offerings. That’s why we have selected the top 22 credit cards currently available in the Indian credit card market. From lifestyle to travel, you will find every type of credit card on the list.
Table of Contents
HDFC Infinia Credit Card
When it comes to premium features and powerful rewards, the hdfc infinia credit card is very hard to replace. Although the annual fee seems a bit high, you will get loads of premium features and benefits like unlimited free access to airport lounges, huge discounts on travel booking, huge discounts on dining, etc. which can easily neutralize the big annual fee. To know more about hdfc infinia credit card benefits make sure to check the complete review.

HDFC Infinia Credit Card Fees:
- HDFC credit card joining fee: Rs. 10,000 + GST
- HDFC credit card annual fee : Rs. 10,000 + GST
100xGain Rating:
8.5/10
HDFC Infinia Credit Card Key Features:
- You will get unlimited free access to airport lounges.
- This infinia hdfc credit card offers up to a 15% discount on dining bills.
- You will enjoy free golf rounds at most of the premium golf courses in India.
- There are also some attractive travel benefits on this card.
- You can earn up to 5 hdfc credit card points for every Rs. 150 transactions, those points can be used to get a product from the hdfc credit card points redemption catalog, the redemption process is discussed in the full review of this card.
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*There is also a hdfc credit card infinia metal edition available, it comes with slightly higher annual fees, and almost the same features and benefits. So if you are interested to know about the hdfc metal credit card, then make sure to check the complete review.
The SBI elite credit card is one of the most applied premium credit cards of the Indian credit card market. Offering accelerated rewards on dining and shopping, free access to airport lounges, and exclusive deals on hotel booking, this card brings so much value with it that it can neutralize the Rs. 4,999 annual fee. Read the complete sbi credit card review to know more about this card.



SBI Credit Card Fees:
- SBI elite credit card joining fee: Rs. 4,999 + GST
- SBI elite credit card annual fee: Rs. 4,999 + GST
100xGain Rating:
8/10
SBI Elite Credit Card Benefits:
- You can earn up to 5X sbi credit card points on your everyday expenses. You can find more about sbi credit card reward points redemption process from the full review of this card,
- You will get free access to domestic and airport lounges.
- This card lets you enjoy some great deals in the hotel and dining categories.
- You will also get some very useful features with this card.
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*For queries like how to block my sbi credit card temporarily? Or how to change email id in sbi credit card? you can visit our FAQ page.
In the current situation when online shopping has proved to be very handy, don’t you think it would be nice to have a card that can offer you exclusive deals every time you shop online? If so, then you should take a look at the icici bank amazon credit card. With huge discounts on online shopping, exclusive deals on dining, and fuel purchase, this card can prove to be your wallet’s best friend. To know more about the amazon icici credit card make sure to check the complete icici amazon credit card review.



ICICI Amazon Pay Credit Card Fees:
- ICICI amazon credit card joining fee: None.
- ICICI amazon credit card annual fee: Free for a lifetime
100xGain Rating:
8/10
Key Benefits of Amazon Pay ICICI Credit Card:
- You will get up to a 5% discount on every online shopping made on Amazon.
- This ICICI amazon credit card offers up to a 15% discount on your dining bill.
- This amazon pay icici bank credit card also offers a handsome waiver on fuel surcharges.
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*If you are thinking about how to block icici credit card or how to close icici credit card accounts permanently, then you should visit our FAQ page.
If you are looking to add a premium touch to your lifestyle, then you should take a look at the Indusind iconia amex credit card. Targeting the notch section of the Indian credit card users, this card offers complimentary priority pass membership, free movie tickets, free golf round, and lots more. More about the indusind bank credit card details are discussed in the complete review.



IndusInd Bank Credit Card Annual Charges:
- Joining fee: Rs. 3499 + GST
- Annual fee: None.
100xGain Rating:
8/10
IndusInd Bank Credit Card Features:
- You will get up to 8 free access to most of the premium airport lounges.
- This indusind bank credit card offers some exclusive deals on movie tickets.
- You can enjoy free golf rounds at some of the most premium golf courses.
- You can earn up to 2 indusind credit card rewards for each Rs. 100 transaction.
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*For queries like how to make emi on indusind credit card or how to track indusind bank credit card application make sure to visit our FAQ page.
The SBI pulse credit card is probably the most unique credit card currently available in India. This card is tailored to target fitness enthusiasts. Along with the introductory gift of a ColorFit Pulse Smartwatch, it comes with many fitness and healthcare benefits like reward points on medicine purchase, complementary FITPASS Pro, and Netmeds First membership, etc. To know more about this sbi lifestyle credit card make sure to read the complete review.



SBI Credit Card Fees:
- SBI credit card joining fee: Rs. 1499 + GST
- SBI credit card renewal fee: Rs. 1499 + GST
100xGain Rating:
8/10
SBI Credit Card Benefits:
- This sbi credit card offers up to 10 reward points on medicine purchases.
- This card gives you access to most of the leading domestic airport lounges.
- You will also get complementary FITPASS Pro and Netmeds First subscriptions.
- There is also a complimentary insurance coverage scheme on this card.
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*If you want to know about sbi bank credit card payment methods or sbi credit card settlement process, then make sure to visit our faq page.
The axis bank flipkart credit card is crafted for frequent shoppers. Along with the huge joining perks, it gives you exclusive deals on hotel booking, big discounts on dining bills, free access to airport lounges, and lots more. Click here to know more about the axis bank credit card details.



Flipkart Axis Bank Credit Card Fees:
- Flipkart Axis bank credit card joining fee: Rs. 500 + GST
- Flipkart Axis bank credit card annual fee: Rs. 500 + GST
100xGain Rating:
7/10
Key benefits of Flipkart Axis Bank Credit Card:
- You will get up to a 5% discount on Flipkart and Myntra.
- This flipkart axis bank credit card features 4 free access per year to most of the frontline domestic airport lounges (The details of participating lounges is discussed in the full axis flipkart credit card review )
- This axis credit card also offers a 20% discount on your dining bills.
- You can get your annual fee waived off on spending Rs. 2,00,000 within a year.
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If you love shopping online then you will love the Standard Chartered DigiSmart Credit Card. It lets you enjoy huge cash backs on Inox, Blinkit, Myntra, Zomato, etc. This card works on the Visa platform and it comes with a monthly fee of just Rs. 49. Read the complete standard chartered digismart credit card review to know more about this card.



Standard Chartered Credit Card Fees:
- Joining fee: Rs. 49 + GST
- Monthly fee: Rs. 49 + GST (monthly)
100xGain Rating:
7/10
Standard Chartered Credit Card Benefits:
- This standard chartered credit card offers you huge discounts on your online spending made on INOX, Grofers, Myntra, Zomato, Yatra, etc.
- This standard chartered credit card offers a convenient EMI payment option that lets you split any transaction into monthly installments.
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The au small finance bank vetta credit card is not just a card that looks great, it packs a perfect blend of simplicity and premium features. It lets you enjoy free access to the airport and railway lounges, huge rewards on everyday expenses, complimentary insurance coverage protection, and lots more. To know more about this au credit card, read the full review of Au Small Vetta Credit Card.



Au Small Finance Bank Credit Card Fees:
- Joining fee: Rs. 2,999 + GST
- Annual fee: Rs. 2999 + GST
100xGain Rating:
7/10
AU Small Finance Bank Vetta Credit Card Benefits:
- You can earn up to 10 reward points for each Rs. 100 transaction.
- This au small finance bank credit card gives you free access to most of the domestic and International airport lounges.
- You will get complimentary insurance coverage protection on this card.
- You can also earn some extra benefits from milestone spending.
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The icici bank hpcl credit card is very hard to replace when it comes to exclusive rewards on fuel and dining. If cashback of fuel purchase, discounts on movie tickets and dining seems beneficial for you, then this card will be the perfect choice for you. To know more about this icici fuel credit card, make sure to read the full review.



ICICI HPCL Credit Card Fees:
- Joining fee: Rs. 199 + GST
- Annual fee: Rs. 199 + GST
100xGain Rating:
7/10
ICICI Credit Card Benefits:
- This icici bank credit card offers 2.5% cashback on fuel purchases.
- You can earn your reward points to purchase fuel.
- This ICICI fuel credit card offers a 15% discount on dining bills.
- You can get an annual fee waiver on spending just Rs. 50,000 within a year.
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When it comes to premium dining and entertainment benefits, there are not many replacements available for the kotak delight platinum credit card. This card is specially crafted to target those who like to spend their evenings in style. With big discounts on dining bills, great deals on movie tickets, this card has the potential to make your life delightful. More about kotak bank credit card details are discussed in the complete review.



Kotak Mahindra Bank Credit Card Fees:
- Joining fee: Rs. 1,999 + GST
- Annual fee: Rs. 299 + GST
100xGain Rating:
7/10
Kotak Mahindra Delight Credit Card Benefits:
- You will get up to 10% cashback on dining bills.
- This kotak credit card offers up to 10% discounts on movie expenses.
- You will get some handsome waivers on fuel surcharges.
- You can also earn some extra benefits on milestone spending.
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For those who don’t have a good credit score, Kotak Mahindra Bank has launched the kotak dream different credit card. It is a secured credit card that packs some really cool features like reward points on every transaction, big discounts on fuel surcharges, free movie tickets, etc. To know more about this card make sure to check the complete review.



Kotak Mahindra Credit Card Fees:
- 811 Kotak credit card joining fee: None.
- 811 Kotak credit card annual fee: None.
100xGain Rating:
7/10
Kotak Credit Cards Features:
- You can earn 2 kotak credit card reward points for each Rs. 100 online transactions. Read the full review to know more about the kotak credit card rewards redemption process.
- This kotak bank credit card offers handsome savings on fuel surcharges.
- You can earn some free movie tickets as a milestone bonus.
- This card also features a fraud liability coverage of Rs. 50,000.
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The SBI BPCL octane credit card is specifically crafted for those who want a premium quality travel credit card. Making your every transaction rewarding, this card offers attractive reward points, exclusive value back on fuel purchase, free access to airport lounges, etc. to know more about this card feel free to take a look at the full sbi bpcl credit card review.



SBI Bank Credit Card Fees:
- SBI credit card joining fee: Rs. 1499 + GST
- SBI credit card annual fee: Rs. 1499 + GST
100xGain Rating:
7.5/10
SBI BPCL Octane Credit Card Benefits:
- This card offers up to 25 sbi credit card rewards for each Rs. 100 transaction on fuel.
- You can get up to 4 free access to most of the domestic airport lounges.
- You will get a handsome waiver on fuel surcharges.
- On spending Rs. 2 lakh within a year, this sbi credit card offers a complete waiver on your next year’s annual fee.
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When it comes to powerful rewards, the american express smartearn credit card is the choice of many credit card users. Offering accelerated rewards on online spending, bonus rewards on milestone spending, and a 0% convenience fee on fuel purchase, this card packs so much value that can easily justify the Rs. 495 annual fee. Make sure to read the complete american express smart earn credit card review to know more about this card.
American Express Credit Card Charges:
- American express credit card joining fee: Rs. 495 + GST
- American express credit card annual fee: Rs. 495 + GST
100xGain Rating:
7/10
American Express Credit Card Benefits:
- You can earn 10X reward points for every transaction made on Swiggy, Amazon, BookMyShow, BigBazar, etc.
- This American express smart earn credit card offers a 0% convenience fee on fuel purchase at HPCL fuel stations.
- There is also zero lost card liability coverage on this card.
- You can also earn some bonus rewards from milestone spending.
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*If you want to know how to pay american express credit card bill? Or how to close american express credit card permanently? Then feel free to take a look at our FAQ page.
If you are looking for premium privileges at an affordable rate, then you should go for the kotak royale signature credit card. Offering free access to airport lounges, attractive reward points on every transaction, big discount on fuel and railway surcharges, this card can add the premium touch to your lifestyle that you are looking for. Read the complete kotak royale signature credit card review to know more about this card.



Kotak Credit Card Charges:
- Kotak credit card joining fee: Rs. 1499 + GST
- Kotak credit card annual fee: Rs. 999 + GST
100xGain Rating:
8/10
Kotak Credit Card Benefits:
- You can earn up to 4X kotak credit card rewards for every Rs. 150 transactions made using this kotak signature credit card.
- This card gives you free access to most of the leading airport lounges, along with some premium facilities.
- You can make big annual savings on fuel surcharges.
- This royal signature kotak credit card also offers some extra benefits on milestone spending.
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If you are looking to add a premium touch to your business trips, then you should take a look at the HDFC Bank & SAP Concur Solutions Prime Corporate Credit Card. It is a specially crafted business credit card designed to fulfill your travel-related needs and to eliminate the need for paperwork with its very useful business tools. To know more about this hdfc business credit card feel free to read the complete review.



HDFC Credit Card Fees:
- HDFC credit card joining fee: None.
- HDFC credit card renewal fee: None.
100xGain Rating:
7.5/10
HDFC Credit Card Features:
- You will get 3 hdfc credit card rewards for every Rs. 150 transactions.
- This hdfc corporate credit card offers up to 12 free accesses to most of the premium airport lounges.
- There is also complimentary Insurance and liability coverage protection on this hdfc bank lifetime free credit card.
- It also comes with several useful tools.
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The Indusind Bank Pioneer Legacy Credit Card is uniquely crafted for top-notch customers. While the card has a really high joining fee, it gives you free access to most of the frontline airport lounges, free movie tickets every month, complimentary golf rounds, etc. and what is more exciting is that there are no annual charges on this card. So if you are interested to know more about this IndusInd bank credit card, make sure to read the complete review.



IndusInd Credit Card Fees:
- IndusInd bank credit card joining fee: Rs. 45,000 + GST
- IndusInd bank credit card annual fee: None.
100xGain Rating:
7.5/10
IndusInd Bank Credit Card Benefits:
- This indusind pioneer credit card gives you free access to most of the priority pass lounges across the globe.
- This indusind bank credit card offers 3 free movie tickets per month.
- You can also enjoy complimentary golf sessions.
- You can also earn 1 reward point for every Rs. 100 transactions made using this card (You can redeem your indusind bank credit card reward points via multiple redemption methods available).
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When it comes to powerful useful features and powerful cash backs, the axis bank ace credit card is the choice of many credit card users. It is a low-cost premium credit card that lets you enjoy free access to airport lounges, big cash backs on your everyday expenses, huge discounts on dining bills, and lots more. Read the complete review to know more about this axis signature credit card.



Axis Bank Ace Credit Card Charges:
- axis ace credit card joining fee: Rs. 499 + GST
- axis ace credit card annual fee: Rs. 499 + GST
100xGain Rating:
8/10
Axis Credit Card Benefits:
- You can earn up to 5% cashback on bill payments.
- This axis credit card offers up to 4 free accesses to most of the domestic airport lounges.
- On spending Rs. 2,00,000 within a year, you can get a complete waiver on your next year’s annual fee.
- This axis bank credit card features a handsome discount on your dining bills.
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*For queries like how to activate axis bank credit card or how to apply for axis bank add on credit card, feel free to visit our FAQ page
The hdfc regalia credit card is one of the most popular credit cards available in India, though from the last couple of years it’s losing popularity due to reducing offers, it is still one of the best budget credit cards available in India. Offering free access to airport lounges, attractive deals on dining, and reward points on every transaction, this card can easily neutralize the Rs. 2,500 annual fee. Click here to know more about this hdfc bank premium credit card.



HDFC Regalia Credit Card Fees:
- HDFC regalia credit card joining fee: Rs. 2,500 + GST
- HDFC regalia credit card annual fee : Rs. 2,500 + GST
100xGain Rating:
8/10
Key Benefits of Regalia Credit Card:
- You can earn 4 regalia credit card reward points for every Rs. 150 transaction. You can redeem your hdfc regalia credit card reward points with multiple redemption options available, the processes are discussed in the complete review of this card.
- The hdfc regalia credit card offers you 12 free accesses to most of the frontline airport lounges worldwide.
- You will also get a 1-year Zomato gold membership with this card.
- You can also get your annual fee waived off on spending Rs. 3 lakh within a year.
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*For queries like how to set pin for hdfc credit card or how to surrender hdfc credit card, you can visit our FAQ page.
When it comes to powerful rewards and premium features at an affordable rate, the idfc first bank wealth credit card is very hard to replace. It is not only a credit card that looks very good, it packs a real punch, offering huge rewards on every transaction, free access to airport lounges, exclusive discounts on dining, and lots more. Go through the complete review more about this idfc first bank credit card.



IDFC Bank Credit Card Fees:
- Joining fee: None.
- Annual fee: None.
100xGain Rating:
8.5/10
IDFC Credit Card Features:
- You can earn up to 6X reward points for all your transactions.
- This idfc first bank credit card offers up to 4 free access to most of the frontline airport lounges.
- You will also get some free golf rounds at some of the frontline golf courses in India.
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The lic signature credit card is a low-cost credit card designed for those who want to have a second credit card and for those who are new in the credit card market. It lets you enjoy free access to airport lounges, reward points on every transaction, complimentary insurance coverage protection. To know more about this card make sure to read the complete review of this card.



LIC Credit Card Fees:
- Joining fee: None.
- Annual fee: Free for a lifetime.
100xGain Rating:
7.5/10
Key Features of LIC Signature Credit Card:
- You will get 2 free access per quarter to most of the frontline domestic airport lounges.
- You will get 1 reward point for every Rs. 100 transactions (Those lic credit card reward points can be redeemed from the redemption catalog)
- There is a low-cost EMI option available on this card, which is very helpful for frequent shoppers.
- You will get complimentary insurance coverage protection with this card.
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If you are looking for an easy and affordable way to build/repair your credit score, then you should take a look at the onecard credit card. It is an app-based credit card, extremely beneficial for those who want to invest much to get a secured credit card. It offers 5x reward points on your top 2 spend categories and a low-cost EMI facility. To know more about this onecard metal credit card make sure to read the full one card credit card review.



OneCard Credit Card Charges:
- Joining fee: None
- one card credit card annual fee: Free for a lifetime.
100xGain Rating:
6.5/10
OneCard Credit Card Benefits:
- You will get 5X reward points on your top 2 to spend categories.
- You can get this card against a minimal fixed deposit.
- It features a low-cost EMI facility, which is very helpful for frequent shoppers.
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If you are moving to the USA and worried about the financial problems of the first few months, then the zolve credit card is the solution for you. It offers a 0% interest rate for the first 6 months and a 0% currency conversion fee, which is very helpful for the new migrants. Click here to read more about this card.



Zolve Credit Card Fees:
- Joining fee: None.
- Annual fee: It is a lifetime free credit card.
100xGain Rating:
7/10
Zolve Credit Card Benefits:
- This zero annual fee credit card offers up to 10% cashback on some premium fashion brands like Adidas, H&M, Walmart, etc.
- The credit limit on this card can go up to $10,000.
- You can also earn exclusive rewards from the referral program.
- It allows you to use your Indian credit history in the USA.
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Honorary Mention:
The unipay 1/3 card is probably the most unique credit card available in India. Although we call it a credit card, it is actually a line of credit forged in the form of a credit card. This card is tailored by Uniorbit Technologies in collaboration with the Indian public sector bank RBL. The most unique feature of this card is that it allows you to split any of your transactions into 3 months no-cost EMI. To know more about the benefits and the terms and conditions, make sure to check the complete unipay 1/3 card review.



Uni Card Charges:
- Unipay 1/3 card joining fee: None.
- Unipay 1/3 card annual fee: None.
100xGain Rating:
6.5/10
Uni Card Benefits:
- You will get a 3-month Zomato Pro membership.
- It allows you to convert your monthly credit card bill or any payment made using this card into a 3-month no-cost EMI.
- You will also get a very unique unboxing experience with this card.
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