Best Credit Cards in India 2026

Compare cashback, rewards, travel & lifestyle credit cards from top banks

HDFC Bank
HDFC Regalia Gold Credit Card
Best for Travel & Rewards
Joining Fee
₹2,500
Annual Fee
₹2,500
  • 8 domestic lounge visits/year
  • 6 international lounge visits
  • Milestone benefits up to ₹5000
4 reward points per ₹150
Monthly income ₹1L+
4.5/5
Calculate EMI
State Bank of India
SBI SimplyCLICK Credit Card
Best for Online Shopping
Joining Fee
₹499
Annual Fee
₹499
  • 10X rewards on online partners
  • Annual fee waived at ₹1L spend
  • No-cost EMI on 500+ brands
10x rewards on Amazon, BookMyShow, etc.
Monthly income ₹20K+
4.3/5
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Axis Bank
Axis Bank ACE Credit Card
2% Flat Cashback on All Spends
Joining Fee
₹499
Annual Fee
₹499
  • 2% cashback on all spends
  • 5% cashback via Google Pay
  • Annual fee waived at ₹2L spend
5% on bill payments via Google Pay
Monthly income ₹20K+
4.4/5
Calculate EMI
ICICI Bank
ICICI Bank Coral Credit Card
Lifestyle & Entertainment Benefits
Joining Fee
₹500
Annual Fee
₹500
  • Buy 1 Get 1 on BookMyShow
  • 2 domestic lounge visits/quarter
  • Payback points redemption
2 reward points per ₹100
Monthly income ₹25K+
4.1/5
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Kotak Mahindra Bank
Kotak Mahindra Royale Signature
Airport Lounge & Rewards
Joining Fee
₹1,499
Annual Fee
₹1,499
  • 4 lounge visits/quarter
  • 1% fuel surcharge waiver
  • Golf privileges at select clubs
4 reward points per ₹150
Monthly income ₹40K+
4.2/5
Calculate EMI
IndusInd Bank
IndusInd Bank Platinum Credit Card
Lifetime Free • Fuel Benefits
Joining Fee
FREE
Annual Fee
FREE
  • Lifetime free card
  • 1% fuel surcharge waiver
  • Lounge access at select airports
1.5 reward points per ₹100
Monthly income ₹20K+
4/5
Calculate EMI
Punjab National Bank
PNB RuPay Platinum Card
First-Time Card • Zero Fee
Joining Fee
FREE
Annual Fee
FREE
  • Zero annual fee
  • RuPay network benefits
  • Easy approval for first-timers
1 reward point per ₹100
Monthly income ₹15K+
3.8/5
Calculate EMI
Yes Bank
Yes Bank First Preferred
High Rewards Rate
Joining Fee
₹999
Annual Fee
₹999
  • 12X reward points
  • Airport lounge access
  • Golf privileges
12 reward points per ₹100
Monthly income ₹50K+
4.2/5
Calculate EMI

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Frequently Asked Questions

Many credit cards offer lifetime free (no annual fee) options in India: IndusInd Bank Platinum, PNB RuPay Platinum, ICICI Instant Platinum (against FD), SBI Unnati Credit Card (against SBI FD), and Kotak 811 Credit Card. Annual fees are also waived on cards like SBI SimplyCLICK and Axis ACE if you spend ₹1L–₹2L per year.

Most credit cards require a minimum CIBIL score of 700–750. Premium cards like HDFC Regalia or Axis Magnus require 750+. If you have a low CIBIL score, you can get a secured credit card against an FD with any score.

Yes, you can get a credit card without income proof by applying for an FD-backed (secured) credit card. Banks like SBI, HDFC, ICICI, and Axis Bank offer credit cards against Fixed Deposits of ₹10,000–₹50,000 with no income verification required.

Documents required for a credit card in India: (1) Identity proof: Aadhaar, PAN, Passport, or Voter ID, (2) Address proof: Aadhaar, Utility bill, or Rent agreement, (3) Income proof: Latest 3 months salary slips or 2 years ITR (for self-employed), (4) Passport-size photograph.
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