Make every rupee earn its keep.

#2 Compare

Rewards 3.3% base; 10X on SmartBuy; 5X on dining

• Same 3.3% earn rate as Infinia at a lower annual fee
• Annual memberships (Amazon Prime + Swiggy One + MMT Black + Times Prime) often worth more than the annual fee
• Diners Club acceptance is improving but still lower than Visa/MC — have a backup card

Apply via issuer website

#3 Compare

Rewards 3 reward points per ₹150 on online; 1.5 RP/₹150 offline; 10X on birthday; 6X on international

• Only LIFETIME FREE card in India with generous lounge access
• Best forex markup for a no-fee card: 1.5%
• 10X points on your birthday is a great perk

Apply via issuer website

#4 Compare

Rewards 4 ICICI Reward Points per ₹100 (≈ 1% base); higher on travel bookings via ICICI

• Best forex markup rate in India for a super-premium card (1.5%)
• Metal card — strong tactile premium feel
• Complimentary ITC Hotels, Oberoi, and Taj membership benefits via concierge

Apply via issuer website

Rewards 5% cashback on all online transactions; 1% on offline

• Best flat-rate online cashback card in India — 5% with NO merchant restrictions
• Cashback auto-credited to card statement — no redemption needed
• No cap on 5% cashback per month

Apply via issuer website

#6 Compare

Rewards 2% base (4 RP per ₹150); 5X on grocery and dining

• Best sub-₹5K card in India for overall value
• Reward points transferable to Air India, KrisFlyer, InterMiles, Club Vistara
• Complimentary Swiggy One membership (3 months)

Apply via issuer website

#7 Compare

Rewards 5% back on Amazon (Prime members); 3% on Amazon (non-Prime); 2% on partner merchants; 1% others

• India's most popular lifetime-free card — over 5 million cardholders
• Cashback credited as Amazon Pay balance (instant, no minimum)
• No reward expiry

Apply via issuer website