Compare Credit Cards in India — Fees, Rewards & Lounges
Visual comparison of Indian credit cards by annual fee, rewards, lounge access and forex markup, with popular head-to-head matchups.
Products tracked
520
Providers
63
Average annual fee
₹1,742
Lowest annual fee
Nil
Lowest annual fee
Shorter is cheaper. Ranked on one metric only — compare the full picture before deciding.
Market coverage by provider
- HDFC Bank56
- SBI Card54
- Axis Bank44
- ICICI Bank36
- Kotak24
- IndusInd Bank24
- RBL Bank21
- Others261
How annual fee is spread
Number of products in each range, from Nil to ₹60,000.
Popular head-to-head comparisons
What to compare in credit cards
Annual & joining fee
Check whether spend-based waivers make the card effectively free for your spending level.
Reward rate
Compare the value per ₹100 spent in the categories you actually use, not headline multipliers.
Lounge access
Domestic and international visits only matter if you travel; look at the spend conditions too.
Forex markup
A lower markup saves money on international spends and foreign-currency online purchases.
Frequently asked questions
What should I compare first between two credit cards?
Start with the total yearly cost (fees minus waivers), then the reward value on your main spending categories, then extras like lounges and forex markup.
Is a lifetime-free card always better?
Not always. A paid card can deliver more value if its rewards and benefits exceed the fee for your spending pattern.
Other comparison guides
MoneyMust is an independent research platform, not a broker or advisor. Rankings use a single published metric for illustration; verify current terms with each provider.