For higher spenders who want lounge access, accelerated rewards and premium perks, these cards deliver the most value at the top end.
Our top pick for this is 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.
| # | Name | Score | Joining Fee | Annual Fee | Fee Waiver | Top Reward |
|---|---|---|---|---|---|---|
| 6 | IDFC FIRST Millennia | 8.2/10 | ₹0 | ₹0 (LTF) | Lifetime free | Up to 10x points; low APR |
| 7 | HDFC Regalia Gold | 8.1/10 | ₹2,500 | ₹2,500 | ₹4L/yr spend | 4 pts/₹150 + lounge |
| 9 | Axis Atlas | 7.9/10 | ₹5,000 | ₹5,000 | — | EDGE Miles + lounge |
| 10 | Tata Neu Infinity HDFC | 7.7/10 | ₹1,499 | ₹1,499 | — | Up to 5% NeuCoins + UPI |
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.
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.
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.
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.
Fees and rewards indicative as of June 2026 and change often — confirm on the bank's site before applying. A credit card is borrowing; pay in full to avoid interest. Information only, not financial advice.