Find the Best Credit Cards in India (0+ Cards)
Compare annual fees, SmartBuy rewards, airport lounge access, UPI RuPay perks, and welcome benefits across 10+ major partner banks. 100% transparent and free.
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Frequently Asked Questions About Credit Cards
Everything you need to know before applying in India — from CIBIL requirements and Lifetime Free cards to RuPay UPI integration.
Most leading Indian banks (HDFC, SBI, ICICI, Axis) prefer a CIBIL score of 720 or higher for standard entry-level and cashback cards. For super-premium and metal cards (such as HDFC Infinia or Axis Magnus), banks typically look for 750+ along with specific income criteria.
If you are new to credit (credit score = -1 or 0), you can kickstart your journey with a Fixed-Deposit (FD) backed credit card from banks like IDFC FIRST, Kotak Mahindra, or OneCard. Operating an FD card and paying your statement on time for 6 consecutive months will build a 750+ CIBIL score effortlessly.
Grofi Insider Tip
Maintain a credit utilization ratio under 30% of your total assigned limit. Doing so can boost your CIBIL score by 30 to 50 points within just a few billing cycles.
A genuine Lifetime Free (LTF) credit card has ₹0 joining fee and ₹0 annual maintenance fee forever, with no minimum annual spend conditions attached. You only pay for what you actually purchase, or interest charges if you carry an unpaid balance.
Beware of the difference between True LTF cards (like Amazon Pay ICICI, ICICI Platinum, and IDFC FIRST cards) and 'Spend-Waived' cards. Spend-waived cards waive annual fees only if you spend ₹1 Lakh to ₹3 Lakhs in the preceding calendar year.
Grofi Insider Tip
Keeping a true LTF card open indefinitely is one of the easiest ways to lengthen your average credit history age—a key metric that boosts your credit score long term.
Still unsure which credit card is best for you?
Answer 3 quick questions about your monthly spends to unlock your custom pre-approved card offers across 10+ top Indian banks — with zero paperwork and zero score impact.
Credit Card Features & Benefits by Bank
Compare reward accelerators, airport lounge privileges, RuPay UPI features, and annual fee waivers across India's top 10 credit card issuing banks.
HDFC Bank
Official PartnerIndia's #1 Credit Card Issuer: SmartBuy Rewards, Diners Club & Global Travel
Up to 33.3% (SmartBuy 10X)
HDFC Reward Points / CashPoints / NeuCoinsUnlimited
Priority Pass / DreamFolksScan & Pay Active
50-day interest-free2.00% (Infinia / Regalia Gold) to 3.50%
Global currency markup₹1 Lakh to ₹10 Lakhs
Spend waiver policySmartBuy 10X Acceleration Engine
Multiply your reward points by up to 10X when booking flights, hotels, or purchasing brand vouchers through HDFC's proprietary SmartBuy portal.
- Earn up to 33.3% effective return on hotel bookings and flight reservations
- 5X to 10X reward points on instant Gyftr gift vouchers for Amazon, Flipkart, Myntra, Swiggy, and Uber
- Exclusive Apple Store SmartBuy portal offering accelerated points or instant cashbacks
- Monthly SmartBuy reward point bonus caps up to 10,000 to 15,000 points on super-premium cards
Frequent travelers and avid online shoppers seeking maximum point value.
1:1 Air Mile Transfer & Travel Portal
Convert reward points into international frequent flyer miles and luxury hotel room stays at the best conversion ratios in the industry.
- 1:1 transfer to Singapore Airlines KrisFlyer, British Airways Executive Club Avios, and Flying Blue
- Book flights and 5-star hotels directly on the SmartBuy travel portal with points valued at ₹1.00 each
- Up to 70% of ticket fare payable via points with the remaining 30% earning accelerated points
- Dedicated 24/7 travel desk for customized itineraries and emergency re-routing
International jetsetters and luxury holiday planners.
Complimentary Airport Lounges & Championship Golf
Relax in comfort before every flight with unlimited lounge visits and enjoy complimentary rounds at top golf courses in India and abroad.
- Unlimited domestic and international airport lounge access via Priority Pass and LoungeKey
- Complimentary add-on cardholder lounge access + free guest allowances on Infinia
- Complimentary golf games and golf lessons per quarter across premier courses globally
- Meet-and-assist airport VIP tarmac escort services on super-premium variants
Business executives and frequent domestic/international flyers.
Tata Neu Co-Branded 10% Valueback Ecosystem
Earn up to 10% direct NeuCoins across Tata's premier brands like BigBasket, 1mg, Croma, Air India, Tata CLiQ, and Westside.
- 5% NeuCoins on Tata Neu Plus and 10% NeuCoins on Tata Neu Infinity cards
- NeuCoins credit directly to Tata Neu wallet and never suffer valuation downgrades (1 NeuCoin = ₹1)
- 1.5% NeuCoins on all non-Tata UPI transactions when linked to RuPay
- Complimentary domestic and international lounge visits included
Households spending on groceries, medicines, electronics, and Tata fashion.
RuPay UPI Instant QR Payments
Link your HDFC RuPay credit card to Google Pay, PhonePe, Paytm, or BHIM to pay at millions of merchant QR codes with credit float.
- Enjoy up to 50 days of interest-free credit period on everyday scan-and-pay transactions
- Earn reward points or NeuCoins on UPI merchant transactions
- Zero merchant surcharge on UPI QR payments up to ₹2,000
- Virtual instant card issuance through HDFC MyCards portal within 2 minutes
Anyone looking to replace cash and debit card payments with UPI credit.
SmartEMI & Milestone Fee Waivers
Clear, achievable annual spend thresholds that waive your annual maintenance fees completely, plus instant transaction-to-EMI conversions.
- Annual fee 100% reversed upon reaching spend thresholds (e.g. ₹1 Lakh on Millennia, ₹4 Lakhs on Regalia Gold)
- Instant pre-approved SmartEMI conversion at competitive interest rates with zero paperwork
- 1% fuel surcharge waiver across every petrol station in India
- 24/7 dedicated card concierge desk for reservations and fraud protection
Disciplined spenders seeking lifetime-free economics on premium cards.
HDFC SmartBuy & MyCards Rewards
Base 1.3% to 3.3% regular earn; up to 10X (33.3%) on SmartBuy portal
Up to ₹1.00 per point for flight & hotel bookings
- 1:1 Flight & Luxury Hotel Bookings via SmartBuy
- 1:1 Air Mile Transfers (KrisFlyer, Avios, Club Vistara)
- Direct Statement Cash Credit (up to ₹0.30 - ₹1.00/pt)
- Instant Gyftr Brand E-Vouchers
Domestic & Global Lounge Policy
Relax in comfort before your flight with verified airport lounge access guidelines.
Unlimited complimentary domestic airport lounge visits across India on Infinia and Diners Club Black; 8-12 visits on Regalia Gold and Millennia.
Unlimited international airport lounge access via complimentary Priority Pass for primary cardholders and authorized add-ons with free guest visits on Infinia.
Unconditional lounge access on Infinia & Diners Club Black; quarterly spend of ₹10,000 to ₹15,000 on mid-tier cards like Millennia.
Flagship HDFC Bank Cards
HDFC Infinia Metal Edition
Up to 33.3% SmartBuy rewards, unlimited global lounges + guests
HDFC Diners Club Black Metal
1:1 airmiles, unlimited global lounges, complimentary golf
HDFC Regalia Gold
12 domestic lounges, ₹1,500 Marks & Spencer/Myntra vouchers
HDFC Millennia Credit Card
5% cashback on Amazon, Flipkart, Swiggy, Zomato & Myntra
Tata Neu Infinity HDFC Card
Up to 10% NeuCoins on Tata ecosystem & 1.5% on UPI spends