Best Credit Cards in India (2026)

Indus Easy Credit Card

Earn attractive reward points & cashback. Lifetime free card with easy digital onboarding. Features 💰 Earn attractive reward points & cashback 🔁 Reward points never expire – Redeem anytime you want 🆓 Indus Easy credit card - lifetime free card 🛫 Complimentary Airport Lounge Access ⛽ Fuel Surcharge Waiver at all petrol pumps Fees & Charges ✔️LTF (Life Time Free).

RBL ShopRite Credit Card

✔️ Lifetime free credit card with exclusive shopping and dining benefits. Features ✔️ Welcome Benefit of 2,000 Reward points ✔️ Fuel Surcharge waiver upto INR 100 per month. ✔️ Earn 20X Reward points on groceries. ✔️ Get 10% discount (up to 100) on movie tickets at BookMyShow. Fees & Charges ✔️ Joining Fee: NIL ✔️ Annual Fee: NIL

Airtel Axis Bank Credi Card

Here’s a treat for you! Save Rs. 300 when you apply for the Airtel Axis Bank Credit Card using below link . Enjoy up to 25% cashback on your Airtel bills every month, complimentary lounge access & much more. Hurry!

SBI Flipkart Credit Card

5% Cashback with every transaction on Flipkart (including Shopsy & Flipkart Travel) and 12% on Cleartrip transactions (With a Rs 4,000 Cashback cap per merchant per quarter) 7.5% Cashback with every transaction on Myntra (With a Rs 4,000 Cashback cap per quarter) 4% Cashback on Zomato, Uber, Netmeds and PVR, with a quarterly cap of Rs 4,000 1% unlimited cashback on all other eligible retail spends Get a Rs 250 Flipkart Gift Card as a Welcome benefit after the joining fee is paid, along with additional first-spend bonus benefits worth Rs 1,000+ (as per ongoing offers) Get 1% fuel surcharge waiver on fuel purchases valid on transactions between Rs 500 - Rs 4000, capped up to Rs 400 FEES AND LIST OF CHARGES Joining Fee: Rs 500 + GST Annual Fee: Rs 500 + GST Annual fee is waived on an annual spends of more than Rs 3,50,000 DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both Salaried and Self-employed individuals Minimum Income: Rs 30000/Monthly Credit Score: 720+ New to Credit: Not Allowed

Axis Flipkart Credit Card

7.5% Cashback with every transaction on Myntra - Save up to Rs 4,000 as cashback per quarter (Rs 16k/year savings!) 5% Cashback with on every Flipkart order (excluding Flipkart Health) - Save up to Rs 4,000 as cashback per quarter (Rs 16k/year savings!) 5% Cashback with on Cleartrip - Save up to Rs 4,000 as cashback per quarter (Rs 16k/year savings!) 4% Unlimited Cashback on Swiggy, PVR, Uber, and Cult.fit 1% Unlimited Cashback on other eligible spends Welcome Benefit: Flipkart and BookMyShow voucher worth Rs 250 each on first transaction - covers joining fee 15% off upto Rs 500 with EazyDiner Fuel surcharge waiver: 1% off between Rs 400 to Rs 4,000 transactions, capped at Rs 400 per cycle Enjoy up to Rs 10,000 Instant discount along with 6-month No Cost EMI on Apple purchases. Offer valid from 1st January to 31st March 2026 (Valid on authorized Apple reseller stores and online) FEES & LIST OF ALL CHARGES Joining Fees: First Year Free Annual fees: Rs 500 + GST, from second year onwards The annual fee is waived if you spend Rs 3,50,000 or more in the previous year DOCUMENTS NEEDED ID Proof: PAN Card/Form 60/Passport Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips/Form 16/ITR Return Photograph: Recent passport-sized photo ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Monthly Income: Rs 25,000 Self Employed: ITR > Rs 3,60,000/annum Credit Score: 736+ New-to-Credit: Not Allowed

BOBCARD Eterna Credit Card

Enjoy a Lifetime Free Credit Card with No Joining or Renewal fees for Limited time period Up to 15 Reward points per Rs 100 spent on dining, travel, online shopping, and international spends (capped at 5,000 per statement cycle and 1 point = Rs 0.25) Unlimited Complimentary Domestic Airport lounge access (on meeting spend criteria) Buy 1 Get 1 free movie ticket every month via District app Low 2% forex markup fee for international transactions Get 10,000 bonus reward points on spending Rs 50,000 within the first 60 days and 20,000 bonus points on annual spends of Rs 5 lakh Complimentary FitPass Pro membership worth Rs 15,000 as a welcome gift FEES & LIST OF CHARGES Lifetime FREE Credit Card (till 31 Mar’26) Joining Fee: Nil Annual Fee: Nil DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 12,00,000/annum Credit Score: 650+

SBI Cashback Credit Card

Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions (Capped at Rs 5000/month combined for both Online & Offline Spends) Offline spends: Get 1% cashback on everyday purchases (eligible offline categories) Online + offline cashback combined is capped at Rs 5,000 per statement cycle - save Rs 60,000/year Fuel surcharge waiver: 1% waiver on transactions between Rs 500– Rs 3,000, capped at Rs 100 per statement cycle. No cashback is earned on fuel Cashback is auto-credited to your SBI Card account within 2 working days of statement generation FEES AND LIST OF CHARGES Joining Fee: Rs 999 + GST, you get more EarnKaro Profit than this Annual Fee: Rs 999 + GST, from second year onwards The annual fee is waived if you spend Rs 2,00,000 or more in the previous year DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants

SBI Simply Click Credit Card

Partner brands: 10X Reward Points = 2.5% back (Rs 2.50/Rs 100) at Amazon, BookMyShow, Cleartrip, Apollo24x7, Yatra, Netmeds, EazyDiner, Swiggy Other online spends: 5X RP = 1.25% back Offline spends: 1 RP/Rs 100 = 0.25% back Welcome Benefit: Rs 500 Amazon voucher on payment of joining fee Milestone rewards: Rs 2,000 Cleartrip/Yatra voucher on annual online spend of Rs 1L + another Rs 2,000 voucher at Rs 2L - Rs 4,000 total per year Fuel waiver: 1% surcharge refund on Rs 500-Rs 3,000 transactions; capped at Rs 100/month FEES AND LIST OF ALL CHARGES Joining Fee: Rs 499 + GST, Rs 500 Amazon voucher as welcome benefit covers this cost Annual Fee: Rs 499 + GST, from second year onwards The annual fee is waived if you spend Rs 1,00,000 or more in the previous year DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 25,000 Self Employed: ITR > Rs 4,80,000/annum Credit Score: 720+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants

Axis Neo Rupay Credit Card

Enjoy up to Rs 10,000 Instant discount along with 6-month No Cost EMI on Apple purchases. Offer valid from 1st January to 31st March 2026 (Valid on authorized Apple reseller stores and online) Lifetime free (No Joining/Annual fees) Enjoy the flexibility to choose from multiple networks including Visa, MasterCard, and RuPay Get 10% off on Blinkit (up to Rs 250 per month), 10% off on BookMyShow movie tickets (up to Rs 100 per month), and Rs 150 off on Myntra on spends above Rs 999 5% off on Mobile recharge/Broadband Payment/DTH recharge up to Rs 150 via Paytm applicable once a month on a minimum transaction of Rs 299* Get Rs 120 off on food delivery via Zomato twice per month on orders above Rs 499 100% Cashback up to Rs 300 on first utility bill payment within first 30 days of card issuance Enjoy Weekly Wednesday Delights with 15% off on flights/hotels via MakeMyTrip, 10% off on Swiggy, and up to Rs 1,000 off on Tira Exclusive savings and dining privileges at partner restaurants through Axis Bank Dining Delights program FEES & LIST OF CHARGES Joining Fee: NIL Annual Fee: NIL DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Salaried or Self-employed Salaried Income: Rs 25,000/monthly Self Employed: ITR > Rs 3,60,000/annum Credit Score: 736+ New to Credit: Not Allowed

Indusind Tiger Credit Card

WHY SHOULD YOUR FRIENDS & FAMILY APPLY FOR INDUSIND TIGER CREDIT CARD No Joining or Annual Fees Earn up to 3 Reward Points for every Rs 100 spent (2 Reward Points on weekdays and 3 Reward Points on weekends) 2 Complimentary Domestic Lounge Access in a quarter and 2 International Lounge Access in a year via Priority Pass One complimentary movie ticket upto Rs 500 on BookMyShow every 6 months in a calendar year 1 Complimentary Golf Game or Lesson per Quarter Lower Forex mark of 1.5% on all your International Spends ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Salaried Income: Rs 35,000 per month Self Employed: Rs 4,20,000 per annum Credit Score: 700+ New to Credit: Not Allowed DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo FEES & LIST OF ALL CHARGES Lifetime Free Card Joining Fee: Nil Annual Fee: Nil

Kotak Cashback Plus Credit Card

Enjoy Zero Joining Fee for limited time period Earn 5% Cashback on online grocery, food delivery, and entertainment platforms Get 3% Cashback on fuel spends across all petrol pumps, unlike many cards that exclude fuel rewards Enjoy unlimited 0.5% cashback on all other eligible transactions Enjoy 1% waiver on fuel transactions (Rs 500 - Rs 4,000), capped at Rs 3,500 annually FEES AND LIST OF CHARGES Joining Fee: Nil Annual Fee: Rs 750 + GST. The Annual Fee is waived if you spend Rs 2,00,000 or more in the previous year DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Salaried Income: Rs 25,000 per month Self Employed: ITR > Rs 3 Lakhs per annum Credit Score: 700+ New to Credit: Not Allowed

Kotak League Platinum Credit Card

Enjoy a lifetime-free credit card with no renewal fees Earn up to 8 Reward Points per Rs 150 on select categories like travel, electronics, and departmental stores. Base earning is 4 points per Rs 150 (up to Rs 2 lakh annual spend), increasing to 8 points beyond that Spend Rs 1.25 lakh every 6 months and get 4 PVR tickets or 10,000 bonus points (up to 8 tickets/year) Save up to Rs 500 per year on railway bookings via IRCTC or counters Enjoy 1% waiver on fuel transactions (Rs 500 - Rs 4,000), capped at Rs 3,500 annually FEES AND LIST OF CHARGES Joining Fee: Nil Annual Fee: Nil DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Salaried Income: Rs 25,000 per month Self Employed: ITR > Rs 3 Lakhs per annum Credit Score: 700+ New to Credit: Not Allowed

BOBCARD Cashback Credit Card

Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions Get 1% cashback on everyday purchases (eligible offline categories) Enjoy flexible membership pricing - Rs 49 per month or Rs 499 for the full year Fuel surcharge waiver: 1% waiver on transactions between Rs 400 - Rs 5,000, capped at Rs 250 per statement cycle Auto credit of eligible cashback on statement date Convert purchase of > Rs 2,500/- on your card into Smart EMIs of 6 to 48 months FEES & LIST OF CHARGES Joining Fee: Rs 499 + GST Annual Fee: Rs 499 + GST or Monthly Fee: Rs 49 + GST (Choose Any) DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips ELIGIBILITY CRITERIA Age: 21 to 65 years Employment: Both salaried and self-employed individuals Salaried Income: Rs 3 Lakhs/annum Self Employed: ITR > Rs 3.6 Lakhs/annum Credit Score: 750+