Updated May 2026
Best Credit Cards
in India, 2026
Independent comparisons, real reward math, and honest picks. No bank sponsorships. No fluff. Just data.
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Top Credit Cards
Premium and super-premium cards for serious reward optimizers
HDFC Bank
HDFC Infinia
₹12,500
per year
TravelPremium LifestyleLounge Access
Earning Rate
5x /₹100
Up to 10x on SmartBuy
Lounge Access
Unlimited
+ Unlimited intl
Fee waiver: Spend 10L in a year for renewal fee waiver
HDFC Bank
HDFC Regalia
₹2,500
per year
TravelDiningEveryday Spend
Earning Rate
4x /₹100
Up to 10x on SmartBuy
Lounge Access
12 visits
+ 6 international
Fee waiver: Spend 3L in a year
HDFC Bank
HDFC Diners Club Black
₹10,000
per year
DiningTravelPremium Lifestyle
Earning Rate
5x /₹100
Up to 10x on SmartBuy
Lounge Access
Unlimited
+ 12 international
Fee waiver: Spend 5L in a year
Best Entry-Level Cards
Low-fee or free cards to start your credit journey
Reward Points Valuation
What your points are actually worth in rupees
Popular Comparisons
Head-to-head card battles with real spend math
HDFC BankvsHDFC Bank
HDFC Diners Club Black vs HDFC Regalia
Both are HDFC cards, but the Diners Black is the enthusiast's choice. It matches the Infinia's 5x base rate (vs Regalia'...
HDFC BankvsHDFC Bank
HDFC Infinia vs HDFC Regalia
The classic upgrade question. The Infinia gives you 5x vs Regalia's 4x — that's 25% more points on every purchase. On 50...