Credit Cards in India: Every Guide, Review and Calculator (2026)

Quick Verdict

This page links every credit card guide, review and calculator on benchmarksutra in one place. If you are choosing a card, take theCredit Card Finder quiz: it matches your spending to the cards we have scored. If you are new to credit cards, start withCredit Card 101. If you already know the bank you want, go to its page underBest credit cards by bank.

Every score here comes from the bank's own pages and its most important terms and conditions (MITC). Fees and offers change often, so check the bank's page before you apply.

Start here

• How to Compare Credit Cards in India: Fees, Rewards, Eligibility, and Hidden Charges

• Credit Card 101: A Beginner’s Guide to Using Credit Cards Wisely in India

• Benchmarksutra Credit Card Score Explained: How We Rate Indian Credit Cards

• Behind the Math: How We Use MITC and Official Bank Data to Score Cards

• Credit Card Jargon Buster: 50 Terms Every Indian Cardholder Must Know

Credit card calculators and tools

• Credit Card Finder quiz: the best card for how you spend

• Reward Value Calculator: what your points are really worth

• Annual Fee Break-Even Calculator: is a paid card worth it?

• Forex Markup Calculator: the real cost of spending abroad

• Credit Card EMI Calculator

• Credit Card Interest Calculator

• Credit Card Payoff Calculator

• Credit Utilization Calculator

• UPI Transaction Statistics (NPCI data)

Best credit cards by bank

Each bank's lineup scored from its own pages, with one pick per type of spender.

• American Express Credit Cards: Which One Should You Get?

• Best AU Bank Credit Cards 2026: Scores, Fees, Top Picks

• Best Axis Bank Credit Card: Which One Should You Get?

• Best HDFC Credit Card: Which One Should You Get?

• Best SBI Credit Card in 2026: Which One Fits You?

• ICICI Bank Credit Cards: Which One Should You Get?

• IDFC FIRST Bank credit cards: which one should you get?

• IndusInd Bank Credit Cards: Which One Should You Get?

• Kotak Mahindra Bank Credit Cards: Which One Should You Get?

• New Launch: IDFC FIRST Business Max vs. Multiplier-Which One Should You Get?

• RBL Bank credit cards: which one should you get?

Credit card reviews

One card per review: fees, rewards, caps and who it suits, scored out of 100.

• 5% Cashback is Back! IDFC FIRST Hello Card Review (2026)

• Airtel Axis Credit Card Review: Benefits, Fees, Who It Suits

• Amazon Pay ICICI Credit Card Review: Who It Suits

• Amex Gold Card Credit Card Review: Fees, Benefits, Who It Suits

• Amex Platinum Travel Review: Fees, Benefits, Who It Suits

• AU ixigo Credit Card Review: Benefits, Fees, Who It Suits

• Axis Ace Credit Card Review: Benefits, Fees, Who It Suits

• Axis Atlas Credit Card Review: Benefits, Fees, Who It Suits

• Axis Magnus Credit Card Review: Benefits, Fees, Who It Suits

• Flipkart Axis Credit Card Review: Fees, Benefits, Who It Suits

• HDFC Diners Club Black Credit Card Review: Is It Worth It?

• HDFC Infinia Credit Card Review: Benefits, Fees, Who It Suits

• HDFC Millennia Credit Card Review: Benefits, Fees, Who It Suits

• HDFC Regalia Gold Review: Benefits, Fees, Who It Suits

• ICICI Emeralde Private Review: Benefits, Fees, Who It Suits

• ICICI Sapphiro Credit Card Review: Benefits, Fees, Who It Suits

• IDFC First Ashva Review: Why 5% Travel Rewards Costs You More

• IDFC FIRST Classic Credit Card: Benefits, Fees, Rewards

• IDFC FIRST Diamond Reserve Review: Is India’s Newest Metal Card Actually Worth It?

• IDFC FIRST Gaj Credit Card Review: Premium Metal Card With Zero Forex, Lounge Access and Travel Rewards

• IDFC FIRST Mayura Metal Credit Card Review: Fees, Benefits

• IDFC FIRST Millennia Credit Card Review 2026: Lifetime-Free Card With 10X Rewards, UPI, Railway Lounge & Benchmarksutra Score

• IDFC FIRST Select Credit Card Review 2026: Lifetime-Free Card With 10X Rewards, Lounge Access & Benchmarksutra Score

• IDFC FIRST SWYP Credit Card Review 2026: ₹499 Card With Milestone Rewards, EMI Benefits & Benchmarksutra Score

• IDFC FIRST Wealth Credit Card Review 2026: Lifetime-Free Premium Card With Low Forex

• IDFC FIRST WOW Credit Card Review

• OneCard Credit Card Review: Benefits, Fees, Who It Suits

• SBI Card PRIME Credit Card Review: Benefits, Fees, Who It Suits

• SBI Cashback Credit Card Review: Fees, Caps, Who It Suits

• SBI SimplyCLICK Credit Card Review: Fees, Rewards, Who It Suits

• The Best FD-Backed Card? IDFC WOW! Credit Card Math Explained

Your first credit card

Low-fee and lifetime-free cards for first-time users, students and new earners.

• Best Credit Cards for Grocery and Household Spends

• Best Credit Cards for Movie Tickets in India (2026)

• Best First Credit Card in India for Beginners (2026)

• Best First Travel Credit Card for Occasional Flyers

• Credit Card Mistakes Beginners Should Avoid in India

• Credit Card vs Buy Now Pay Later: Which First?

• Credit Cards for Married Couples: One Card or Two?

• Credit Cards with Health Checkups and Medical Perks

• First Credit Card for Young Professionals (2026)

• Getting Your First Credit Card After 60: What to Know

• Zero Forex Markup Credit Cards a Beginner Can Get

Eligibility and credit score

What banks check, why applications get rejected and how to improve your chances.

• 5 Reasons Your Credit Card Was Rejected, and the Fixes

• 7 Hacks to Boost Your Credit Card Approval Chances (Even with Low Income)

• Best Credit Cards for Low CIBIL Score in India (2026)

• Business Credit Cards in India: Who Can Get One

• Can Pensioners Get a Credit Card? Eligibility Explained

• Card on card: a new credit card against your existing limit

• Credit Card Against FD: How It Works for Senior Citizens

• Credit Card for Students in India: What Is Possible

• Credit Card Without Salary Slip: Options for First Jobbers

• Hard vs Soft Enquiry: Does a Credit Card Hurt CIBIL?

• How to Get a Credit Card as a Freelancer: Top Picks & Approval Tips (2026)

• Income Needed for Premium Travel Credit Cards in India

• Minimum salary for a credit card in India: bank-wise guide

• Pre-Approved Credit Card Offers: Are They Really Approved?

• Rejected? How Long You MUST Wait Before Applying for a Credit Card Again

• What CIBIL Score Do You Need for a Credit Card?

Rewards, points and cashback

How points, cashback and milestones really work, and what they are worth in rupees.

• Accelerated Rewards: What 5X and 10X Really Mean

• Airline and Hotel Transfer Partners on Indian Cards

• Banks Are Tricking You: How to Calculate the Real Value of 1 Reward Point

• Best Credit Cards for International Travel from India (2026)

• Cashback or Points: Which Is Less Hassle for Retirees?

• Credit Card Birthday Bonus Points: Which Cards Give Them

• Credit Card Milestone Benefits: Worth Chasing?

• Credit Card Welcome Benefits: Which Are Worth Chasing

• How Credit Card Cashback Is Credited to You

• Is the Annual Fee Worth It? Credit Card Breakeven Spend

• NeuCoins vs SuperCoins vs Reward Points Explained

• Reward Points 101: How to Actually Redeem Your Points for Free Travel

• Reward Points vs Cashback Credit Cards in India: Which Wins?

• Rewards on GST and business payments: what earns

• The 5% Cashback Lie: Reward Rate vs. Effective Reward Rate Explained

• Travel Credit Card Rewards Explained: Miles, Points, Vouchers

Co-branded cards

Airline, hotel, fuel, shopping and food-delivery cards compared with general cards.

• Airline Co-Branded Credit Cards in India Explained

• Best Shopping Credit Cards in India: Co-Brand Picks

• Food delivery credit cards explained

• Hotel Co-Branded Credit Cards in India Explained

• IndianOil vs BPCL vs HPCL fuel credit cards

• IndiGo vs Air India Credit Card: Which Airline Card Fits?

• Railway Co-Brand Cards Explained: IRCTC Benefits

• Scapia Card Review: Why the 0% Forex Perk Has a Catch

• The Honest Review: HDFC Tata Neu Infinity Review: The Best RuPay Card for UPI Addicts?

• What Is a Co-branded Credit Card? Pros, Cons and RBI Rules

RuPay credit cards and UPI

Paying on UPI with a credit card, and which RuPay cards earn on it.

• 7 Best Lifetime Free RuPay Cards for 2026

• Best RuPay Credit Cards for UPI in India, Ranked by Cashback

• Credit Card on UPI Explained: Why Your RuPay Card is Now a Cashback Machine

• Link a RuPay Credit Card on Google Pay: Setup, Limits, Banks

• RuPay Credit Cards With Airport Lounge Access

• Which Banks Issue RuPay Credit Cards in India?

Fees, bills and the basics

Due dates, minimum due, fees, interest and the everyday mechanics of a card.

• Add-On Credit Cards Explained: Fees, Limits and Liability

• Annual Fee vs Joining Fee

• Are Credit Cards Safe for Senior Citizens?

• Billing Cycle Explained

• Charge Card vs Credit Card: What's the Difference?

• Credit Card Auto-Debit Explained: Total vs Minimum Due

• Credit Card Balance Transfer Explained

• Credit Card EMI Explained: Fees, GST and Real Cost

• Credit Card Grace Period: How Many Days You Really Get

• Credit Card Insurance in India: What's Covered and How to Claim

• Credit Card vs Debit Card: Fraud Rules, Rewards and UPI

• Credit Card vs Forex Card for International Travel

• Credit Card vs Personal Loan for Big Family Expenses

• Credit Limit Explained

• Forex Markup on Credit Cards Explained (2026)

• How Banks Increase Credit Card Limit

• How Credit Card Fee Waivers Work

• How Credit Card Interest Is Calculated in India (With Examples)

• How to Pay Your Credit Card Bill: Every Method Compared

• How to Temporarily Lock and Unlock Your Credit Card

• Is a Credit Card Right for You? A Self-Check by Situation

• Merchant Category Code Explained

• Over-Limit Fee: RBI Consent Rule and Charges by Bank

• Paying Only the Minimum Due: ₹50,000 Month by Month

• Statement Date vs Due Date on a Credit Card, Explained

• Total Amount Due vs Minimum Amount Due: What It Costs

• Visa vs Mastercard vs RuPay vs Amex: Which Is Best in India?

• Why Your Card Earns Zero Points: Exclusions by Issuer

How we put a rupee value on benefits

Our working for lounge access, air miles, dining offers and service.

• Always Accurate: Our Process for Keeping Credit Card Reviews Updated

• Credit Card Charges in India: Every Fee Explained

• How We Compare Credit Card Interest Rates and Charges

• How We Judge a Card Issuer's App and Customer Service

• How We Value Air Miles and Hotel Points in Rupees

• How We Value Airport Lounge Access in Rupees

• How We Value Dining and Movie Offers on Cards

Card vs card

Head-to-head comparisons of two cards.

• Tata Neu Infinity vs. IDFC FIRST Select: Which Premium Card Wins for You?

Card rules and news

Fee changes, devaluations, launches and RBI rules, explained for cardholders.

• American Express Stops Membership Rewards Transfers to Etihad Guest: What Indian Cardholders Should Know

• Amex India Reward Xcelerator: Up to 20X Points Till Jan 2027

• Apple Pay Launches in India: Axis Bank Credit Cards Can Now Be Added to Apple Wallet

• AU Small Finance Bank Launches AU CS Credit Card for Company Secretaries: What It Offers

• Axis Bank EDGE Rewards and EDGE Miles: Accor Returns as Transfer Partner, Club ITC Removed

• Axis Bank Grab Deals Offers for November 2026: Flipkart, Myntra, AJIO, Apple and More

• Axis Bank Launches Scapia Credit Card: Zero Fee, Zero Forex, but Read the Coin Math

• Axis Bank My Zone Credit Card Now Lifetime Free: What Changes and What Still Costs You

• Axis Bank Offers Rewards on Tax Payments on Select Credit Cards: What Users Should Check

• Axis Bank Privilege Credit Card Now Lifetime Free on Visa: What Users Should Check

• Best Credit Cards for Apple Purchases in India (iPhone, Mac, iPad): November 2026 Guide

• Card network choice: can you pick Visa, Mastercard or RuPay?

• Credit Card Rent Payment Charges: Why Banks Levy Fees

• Credit Card Transfer Ratio Change: What a Cut Means for Points

• Festive credit card offers: how to read the fine print

• Flipkart SuperCoins to IndiGo BluChips: 3:2 Rate, Is It Worth It?

• GST on Credit Card Fees and Charges Explained

• HDFC Bank ForexPlus Card Issuance Fee Waiver: What It Covers and What You Still Pay

• HDFC PIXEL Times Credit Card Launched: Rush vs Move Fees, Rewards and Who Should Apply

• HDFC SmartBuy Credit Card Offers for November 2026: Multipliers, Caps and Real Value by Card

• How Credit Card Devaluation Notices Work in India

• HSBC Dyson Offer: Up to 10X Points, Valid Till 30 Nov 2026

• HSBC Live+ Credit Card Devaluation: What Cardholders Should Check Now

• HSBC RuPay JCB Card: 5% Cashback Abroad, 0% Forex Markup

• HSBC Serve: Free Padel and Pickleball Court Bookings for HSBC Cardholders — What to Check

• HSBC Taj Credit Card vs Axis Bank Burgundy Private Credit Card: Which Luxury Card Fits You?

• HSBC Unicorn Portal: Earn 5X-6X Points on Apple Products

• IDFC FIRST Devaluation 2026: What’s Changing for Wealth, Select, & Millennia?

• IndiGo and EazyDiner BluChip Dining Spend Devaluation: What Users Should Check

• IndusInd Credit Card Charges 2026: Transport, Fuel and DCC Fees

• IndusInd Grande and Pioneer Savings Accounts Get Taj Benefits: Who Qualifies and What to Check

• Kotak Air vs Air+ Credit Card: Fees, Lounges, Milestone

• Kotak Private Credit Card: Invite-Only, ₹49,000 Annual Fee

• Lounge Access Spend Conditions: Why Banks Added Them

• Maharaja Points Value on Air India Express: What a Point Is Worth

• Marriott Bonvoy HDFC Credit Card Anniversary Offer: Up to 30,000 Bonus Points — What to Check

• Miles & More Axis Bank Credit Cards Welcome Miles Offer: What Indian Travellers Should Check

• New credit card launch: what to check before you apply

• RBI Credit Card Rules Explained for Every Cardholder (2026)

• RuPay Ekaa Credit Cards: Which Banks Issue Them and Fees

• SBI PhonePe Credit Cards Devaluation: What Existing Users Should Check

• Standard Chartered Card Transfer to Federal Bank: What to Do

• Taj InnerCircle and oneworld Status Match: Tiers Explained

• Taj, Vivanta and Etihad Guest Partnership: What It Means for Indian Travel Reward Users

• Ujjivan Small Finance Bank Credit Card: BOBCARD Platinum, Elite

• Unsolicited Credit Cards and Limit Hikes: What RBI Rules Say

• YES Bank Credit Card Changes From 15 June 2026

FAQs

Which credit card is best in India?

There is no single best card. The right one depends on where you spend, whether you travel and what fee you will pay. The Credit Card Finder quiz narrows our scored cards to the three that fit you.

How does benchmarksutra score credit cards?

We score each card out of 100 from the bank's official pages and MITC, weighing fees, reward rate after caps, travel benefits and fine print. The full method is inthe Credit Card Score explainer.

How often is this page updated?

Every new credit card article is added here when it is published.

Editorial Note

benchmarksutra is independent. Some card pages carry affiliate links, which never change a score. We use official bank and RBI sources only.