10 cards ranked · Verified June 2026

Top 10 Credit Cards in India (2026)

The right credit card turns everyday spending into cashback, miles and rewards — the wrong one just costs you a fee. We rank India's 10 best cards on joining and annual fees, fee-waiver spends and real reward value, and show which suits cashback, travel, fuel, online shopping or a first card. Verified June 2026; card terms change often, so always confirm on the bank's site before applying.

#NameScoreJoining FeeAnnual FeeFee WaiverTop Reward
1Amazon Pay ICICITop pick9.3/10₹0₹0 (LTF)Lifetime free5% on Amazon (Prime)
2Axis ACE9.0/10₹499₹499₹2L/yr spend5% bill pay; 2% all
3HDFC Millennia8.8/10₹1,000₹1,000₹1L/yr spend5% on partners; 1%
4SBI SimplyCLICK8.5/10₹499₹499₹1L/yr spend10x on online partners
5Flipkart Axis8.4/10₹500₹500₹3.5L/yr spend5% Flipkart; 4% partners
6IDFC FIRST Millennia8.2/10₹0₹0 (LTF)Lifetime freeUp to 10x points; low APR
7HDFC Regalia Gold8.1/10₹2,500₹2,500₹4L/yr spend4 pts/₹150 + lounge
8BPCL SBI Card Octane8.0/10₹1,499₹1,499₹2L/yr spend~7.25% value on fuel
9Axis Atlas7.9/10₹5,000₹5,000—EDGE Miles + lounge
10Tata Neu Infinity HDFC7.7/10₹1,499₹1,499—Up to 5% NeuCoins + UPI

Best overall

1

Amazon Pay ICICI

India's most popular lifetime-free card. Zero fees forever and strong cashback — especially for Amazon and Prime users — make it the easiest first card and an everyday default for online spenders.

9.3
/ 10
Joining Fee
₹0
Annual Fee
₹0 (LTF)
Fee Waiver
Lifetime free
Top Reward
5% on Amazon (Prime)
  • Truly lifetime-free
  • 5% back for Amazon Prime users
  • Easy approval, great first card
  • Best value only inside Amazon
  • No lounge access
  • Cashback as Amazon Pay balance
View details Official site
2

Axis ACE

A flat-rate cashback workhorse. Market-leading cashback on bill payments and food delivery plus a clean 2% on everything else make it one of the best value cards in India.

9.0
/ 10
Joining Fee
₹499
Annual Fee
₹499
Fee Waiver
₹2L/yr spend
Top Reward
5% bill pay; 2% all
  • 5% on Google Pay bill payments
  • 2% flat cashback everywhere
  • Low fee, easy to waive
  • Caps on bonus categories
  • Fee unless ₹2L/yr spend
  • No premium perks
View details Official site
3

HDFC Millennia

A popular cashback card for multi-platform online shoppers, returning 5% on a wide set of partners (Amazon, Flipkart, Myntra, Swiggy and more) and 1% on everything else.

8.8
/ 10
Joining Fee
₹1,000
Annual Fee
₹1,000
Fee Waiver
₹1L/yr spend
Top Reward
5% on partners; 1%
  • 5% across many online partners
  • Wide acceptance & HDFC offers
  • Lounge access vouchers
  • Monthly cashback caps
  • ₹1,000 fee unless ₹1L spend
  • 1% base rate is modest
View details Official site
4

SBI SimplyCLICK

A low-fee online-shopping card built for beginners, with 10x reward points on online partners and a welcome Amazon voucher that effectively offsets the first-year fee.

8.5
/ 10
Joining Fee
₹499
Annual Fee
₹499
Fee Waiver
₹1L/yr spend
Top Reward
10x on online partners
  • 10x points on online partners
  • Welcome Amazon gift voucher
  • Easy approval
  • Points, not direct cashback
  • Lower rate offline
  • Fee unless ₹1L spend
View details Official site
5

Flipkart Axis

The go-to card for Flipkart and Myntra regulars: 5% unlimited cashback on Flipkart, 4% on preferred partners and 1.5% everywhere else, on a low annual fee.

8.4
/ 10
Joining Fee
₹500
Annual Fee
₹500
Fee Waiver
₹3.5L/yr spend
Top Reward
5% Flipkart; 4% partners
  • 5% unlimited on Flipkart
  • 4% on Swiggy, PVR, cult.fit, etc.
  • 1.5% everywhere else
  • High waiver threshold
  • Best only for Flipkart users
  • No lounge on base card
View details Official site
6

IDFC FIRST Millennia

A lifetime-free card with surprisingly rich rewards — up to 10x points on higher spends, never-expiring points and one of the lowest interest rates among Indian cards.

8.2
/ 10
Joining Fee
₹0
Annual Fee
₹0 (LTF)
Fee Waiver
Lifetime free
Top Reward
Up to 10x points; low APR
  • Lifetime free with strong rewards
  • Low interest rate (APR)
  • Points never expire
  • 10x only above spend thresholds
  • Reward redemption can be fiddly
  • Fewer brand offers than HDFC
View details Official site
7

HDFC Regalia Gold

A mid-premium rewards and travel card with accelerated points, domestic and international lounge access and strong brand vouchers — a step up for higher spenders.

8.1
/ 10
Joining Fee
₹2,500
Annual Fee
₹2,500
Fee Waiver
₹4L/yr spend
Top Reward
4 pts/₹150 + lounge
  • Domestic + international lounge access
  • Accelerated reward points
  • Milestone vouchers (Marriott, etc.)
  • ₹2,500 fee, high waiver
  • Points value varies by redemption
  • Needs higher income eligibility
View details Official site
8

BPCL SBI Card Octane

The strongest fuel card in India: heavy accelerated rewards at BPCL pumps plus a fuel-surcharge waiver, ideal for anyone with a big monthly petrol or diesel bill.

8.0
/ 10
Joining Fee
₹1,499
Annual Fee
₹1,499
Fee Waiver
₹2L/yr spend
Top Reward
~7.25% value on fuel
  • Up to 7.25% value at BPCL fuel
  • Fuel surcharge waiver
  • Bonus on dining & groceries
  • Best value only at BPCL pumps
  • ₹1,499 annual fee
  • Reward caps on fuel
View details Official site
9

Axis Atlas

A travel-first miles card. EDGE Miles transferable to airline and hotel partners, tiered milestone benefits and lounge access make it a favourite for frequent flyers.

7.9
/ 10
Joining Fee
₹5,000
Annual Fee
₹5,000
Fee Waiver
—
Top Reward
EDGE Miles + lounge
  • Strong air-mile transfer partners
  • International + domestic lounges
  • Tiered travel milestones
  • ₹5,000 fee, no easy waiver
  • Best only for travellers
  • Devaluations have happened
View details Official site
10

Tata Neu Infinity HDFC

A rewards card for the Tata ecosystem (BigBasket, Croma, Tata 1mg, Air India and more), earning high NeuCoins plus rewards on UPI spends via the Tata Neu app.

7.7
/ 10
Joining Fee
₹1,499
Annual Fee
₹1,499
Fee Waiver
—
Top Reward
Up to 5% NeuCoins + UPI
  • Up to 5% NeuCoins in Tata ecosystem
  • Rewards on UPI (RuPay) spends
  • Lounge access
  • NeuCoins useful mainly within Tata
  • ₹1,499 fee, no easy waiver
  • Lower value outside ecosystem
View details Official site

Find the right card for your spending

The best card depends on where your money goes:

Best Cashback Credit Cards Best Credit Cards for Online Shopping Best Travel Credit Cards Best Fuel Credit Cards Best Lifetime-Free Credit Cards (No Annual Fee) Best Premium Rewards Credit Cards Best Credit Cards for Beginners (First Card)

Frequently asked questions

Which is the best credit card in India in 2026?

For most people the Amazon Pay ICICI is the best all-round card — lifetime-free with strong cashback. Axis ACE is the best flat-rate cashback card, while frequent travellers and high spenders get more from premium cards like HDFC Regalia Gold. The best card depends on where you spend most.

Which credit card has no annual fee (lifetime free)?

Amazon Pay ICICI and IDFC FIRST Millennia are genuinely lifetime-free — no joining or annual fee ever — while still earning rewards. Many other cards waive the annual fee if you spend above a yearly threshold.

What's the best credit card for cashback in India?

For simple cashback, Axis ACE (5% on bill payments, 2% on everything) and Amazon Pay ICICI (5% on Amazon) lead. Multi-platform online shoppers do well with HDFC Millennia or Flipkart Axis.

How do I choose the right credit card?

Match the card to your biggest spends — Amazon/Flipkart, fuel, travel or general cashback — and check the annual fee against the rewards you'll realistically earn. Always pay your bill in full to avoid interest. This is information, not financial advice.

How we rank: we score each card on reward value, fees, fee-waiver ease, perks and who it suits. Fees and rewards were indicative as of June 2026 and change often — confirm on the bank's site before applying. A credit card is borrowing: spend within your means and pay in full to avoid interest. Information only, not financial advice.