Product directory

Compare credit cards in India

Browse individual products and compare verified summaries of fees, rewards, cashback, travel benefits and suitability. Benefits can change, and approval is decided by the issuer.

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Start with normal spending and your annual budget. Do not select a card only because it advertises a high percentage or premium benefit.

Showing 10 of 10 credit cards

SBI Card

CASHBACK SBI Card

Best for: Online cashback

  • Annual fee: ₹999 + applicable taxes
  • Reward style: Cashback
  • 5% on eligible online spends and 1% on eligible offline spends; separate ₹2,000 online and offline caps per statement cycle from 1 April 2026
CashbackShopping
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SBI Card

SimplyCLICK SBI Card

Best for: Online rewards

  • Annual fee: ₹499 + applicable taxes
  • Reward style: Reward points
  • Accelerated points on eligible online and partner spending, with base points on other eligible spends
RewardsShoppingBeginner
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HDFC Bank

HDFC Bank Millennia Credit Card

Best for: Selected online merchants

  • Annual fee: ₹1,000 + applicable taxes
  • Reward style: CashPoints
  • 5% CashPoints on listed merchants and 1% on other eligible spends, each subject to current caps and exclusions
CashbackShopping
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HDFC Bank

HDFC Bank Regalia Gold Credit Card

Best for: Travel and reward points

  • Annual fee: ₹2,500 + applicable taxes
  • Reward style: Reward points
  • Reward points on eligible retail spends, with accelerated earning on listed merchants under current rules
TravelRewardsLounge
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

Best for: Amazon and simple cashback

  • Annual fee: Nil
  • Reward style: Amazon Pay balance
  • 5% back for eligible Prime purchases, 3% for eligible non-Prime purchases, 2% on specified Amazon/Amazon Pay spends and 1% on other eligible payments
CashbackShoppingLifetime Free
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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

Best for: Regular HPCL fuel spending

  • Annual fee: ₹500 + GST
  • Reward style: Cashback and reward points
  • Fuel, utility and departmental-store benefits apply within category rules and caps
FuelRewards
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Axis Bank

Axis Bank ATLAS Credit Card

Best for: Frequent travel and miles

  • Annual fee: ₹5,000 + applicable taxes
  • Reward style: EDGE Miles
  • 2 EDGE Miles per ₹100 on eligible spends and 5 EDGE Miles per ₹100 on eligible Travel EDGE, direct airline and direct hotel spends, with tier conditions
TravelRewardsLounge
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HSBC India

HSBC Live+ Credit Card

Best for: Dining, groceries, shopping and utilities

  • Annual fee: ₹999 + applicable taxes
  • Reward style: Cashback
  • 10% accelerated cashback on eligible dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200 a month, plus 1.5% on most other eligible spends
CashbackDiningShopping
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IDFC FIRST Bank

IDFC FIRST Millennia Credit Card

Best for: No-fee everyday rewards

  • Annual fee: Nil
  • Reward style: Reward points
  • 3X points on eligible online spends, 6X on eligible offline spends and 10X on eligible incremental spends above ₹20,000 per billing cycle; exclusions apply
RewardsBeginnerLifetime Free
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IDFC FIRST Bank

IDFC FIRST WOW! Credit Card

Best for: FD-backed credit access and overseas use

  • Annual fee: Nil
  • Reward style: Reward points
  • Rewards on eligible purchases; current issuer rules and exclusions apply
SecuredBeginnerTravel
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How to use this directory responsibly

Shortlist cards, open each guide, and compare fees, taxes, waivers, eligible rewards, caps, exclusions and redemption. Confirm every material fact on the issuer’s official page.

Educational only: FinancialEssentials.in does not issue cards, process applications or guarantee approval. Product information was last verified on 3 September 2026; issuer terms control.