Mid-Range Credit Cards

#2 Compare

Rewards 5% cashback on bill payments & recharges via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% others

• Best card for utility bill payments and recharges in India — 5% cashback
• Cashback auto-credited — no redemption hassle
• Strong 4% on Swiggy, Zomato, and Ola

Apply via issuer website

#3 Compare

Rewards 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow; 1% on other spends

• Best entry-level card for online shopping
• 5% cashback is paid as CashPoints, redeemable against statement balance
• No minimum transaction for 5% cashback (unlike some cards)

Apply via issuer website

#4 Compare

Rewards 10% cashback on Swiggy, Zomato, Ola; 1.5% on all other spends

• 10% cashback on Swiggy, Zomato, and Ola is the highest rate in this category
• Cashback credited directly to statement
• Cap: ₹3,000/month on partner cashback (still excellent value)

Apply via issuer website

#5 Compare

Rewards User selects active features: cashback OR reward points OR EMI offers — customisable monthly

• India's first customisable credit card — users choose which features to activate each month
• Lifetime free with no conditions
• Choose from: cashback (1.5%), reward points, EMI on spends, lounge access

Apply via issuer website

#6 Compare

Rewards 1 MR point per ₹50 spend; 1,000 bonus MR on 4 transactions/month of ₹1,000+

• Entry point to the Amex Membership Rewards ecosystem
• Monthly bonus structure rewards consistent medium spenders
• MR points do not expire

Apply via issuer website

#7 Compare

Rewards 8 reward points per ₹150 on weekends; 4 RP/₹150 on weekdays

• Best weekend spender card for mid-range budget
• PVR vouchers as milestone benefit — good for movie lovers
• Easy annual fee waiver at just ₹50,000

Apply via issuer website

#8 Compare

Rewards 2% cashback on all online spend; 1% on offline

• Simple flat-rate cashback card with no category restrictions on online spend
• Very easy annual fee waiver
• Cashback credited to statement monthly

Apply via issuer website