One place to compare every major credit card in India.
Cashback, travel, rewards, and lifetime-free credit cards from ICICI Bank, HDFC Bank, SBI Card, Axis Bank, IndusInd Bank, AU Small Finance Bank, Yes Bank, Kotak Mahindra Bank, and IDFC FIRST Bank — compared side by side.
Find the right card for how you spend
Featured: Amazon Pay ICICI Card, ICICI Coral Card
- Cashback on Amazon & partner merchants
- Fuel surcharge waiver
- Complimentary airport lounge access (select variants)
Featured: HDFC Millennia, HDFC Regalia Gold
- 5% cashback on Amazon, Flipkart, Swiggy & more
- Milestone benefits & annual fee waiver on spends
- Airport lounge access across India & abroad
Featured: SBI Card Cashback, SimplyCLICK SBI Card
- 5% cashback on all online spends, no merchant restriction
- 10X reward points on partner e-commerce sites
- Fee reversed on annual spend threshold
Featured: Axis ACE Credit Card, Flipkart Axis Bank Card
- 2% unlimited cashback on bill payments via app
- 4% cashback on Swiggy, Zomato & Ola
- Complimentary lounge access on eligible spends
Featured: IndusInd Tiger Credit Card, Platinum Aura Edge
- Bonus reward points on dining & movies
- Fuel surcharge waiver at all fuel stations
- Add-on cards for family members
Featured: AU LIT Credit Card, AU Altura
- Fully customisable reward categories via app
- Instant digital card issuance
- Zero forex markup on select variants
Featured: Yes Bank ACE Credit Card, Yes First Preferred
- 5X reward points on top 2 spend categories monthly
- Complimentary domestic lounge visits
- Movie ticket discounts via partner platforms
Featured: Kotak League Platinum, Kotak 811 #Dream Different
- Lifetime free with digital-first onboarding
- Cashback on utility bills & groceries
- Easy EMI conversion on large purchases
Featured: FIRST Millennia Credit Card, FIRST Wealth
- Lifetime free, rewards never expire
- Low interest rate on revolving balances
- 10X rewards on online spends via app offers
Side-by-side comparison
| Bank | Popular Card | Joining Fee | Best For | Eligibility (Age / Income) |
|---|---|---|---|---|
| ICICI Bank | Amazon Pay ICICI Card | ₹0 | Online shopping | 21–65 / ₹20,000+ pm |
| HDFC Bank | HDFC Millennia | ₹1,000 | All-round cashback | 21–60 / ₹25,000+ pm |
| SBI Card | SBI Card Cashback | ₹499 | Simple online cashback | 21–70 / ₹20,000+ pm |
| Axis Bank | Axis ACE | ₹499 | Bill payments & UPI | 18–70 / ₹15,000+ pm |
| IndusInd Bank | Tiger Credit Card | ₹500 | Dining & movies | 21–60 / ₹25,000+ pm |
| AU Small Finance Bank | AU LIT | ₹0–499 | Customisable rewards | 21–65 / ₹15,000+ pm |
| Yes Bank | Yes Bank ACE | ₹399–999 | Category-based rewards | 21–60 / ₹30,000+ pm |
| Kotak Mahindra Bank | Kotak League Platinum | ₹0 | Lifetime-free entry card | 21–60 / ₹20,000+ pm |
| IDFC FIRST Bank | FIRST Millennia | ₹0 | Never-expiring rewards | 21–65 / ₹25,000+ pm |
General eligibility criteria
Exact terms vary by issuer and card variant, but most applications are evaluated on:
- Age between 18-70 years for salaried and self-employed applicants
- Minimum monthly income of ₹15,000–₹30,000, depending on the card tier
- CIBIL score of 700+ for the best approval odds and highest limits
- Existing relationship with the bank can improve approval chances
- Valid PAN, Aadhaar, and address proof
Basic Features Across Cards
- Interest-free credit period of up to 45-50 days
- EMI conversion on purchases above a set amount
- Contactless tap-and-pay & mobile wallet compatibility
- Zero liability on reported fraudulent transactions
- Detailed spend tracking via bank’s mobile app
Credit card questions, answered
Lifetime-free cards like the Kotak League Platinum or IDFC FIRST Millennia are good starting points since they carry no annual fee and have relatively accessible eligibility criteria.
Each hard enquiry can cause a small, temporary dip in your score. We recommend comparing eligibility first and applying to only the card you’re most likely to be approved for.
Some banks offer secured credit cards against a fixed deposit, which don’t require income proof and are a good way to build credit history.
Digital-first cards can be approved within minutes to a few hours; cards requiring physical verification typically take 3-7 working days.
No, comparing and applying for a credit card through Finaxy World is completely free of charge.