Credit cards 💳
The card in your wallet is a rate. Match it to where your money actually goes and the same spending quietly hands some of itself back.
Amazon Pay ICICI Bank Credit Card
ICICI Bank
Rewards
5% Amazon (Prime) · 3% non-Prime · 2% partners · 1% rest
• No fee, ever
• Cashback lands as Amazon Pay balance
• Lower-than-usual forex markup
Best for: Amazon regulars who want a free card
CASHBACK SBI Card
SBI Card
Rewards
5% on any online merchant · 1% offline
• No merchant list to memorise
• Credited automatically next statement
• Fuel surcharge waiver
Best for: Broad online spenders
⚠︎ The commonly quoted monthly cashback cap appears only in the linked T&Cs, not the product page.
Rewards
5% on 10 listed online merchants · 1% base
• Monthly caps on the 5% tier
• Quarterly spend unlocks a voucher
• No lounge access
Best for: Young online shoppers
⚠︎ Lounge access was withdrawn in Dec 2023, but some issuer microsite PDFs still advertise it.
Rewards
5% bills via Google Pay · 4% food delivery & cabs · 1.5% rest
• Uncapped 1.5% base rate
• Top tiers share a monthly cap
• 4 domestic lounge visits
Best for: Bill payments and food delivery
⚠︎ The ₹0 joining fee is a limited-time offer, not the standing fee.
Swiggy HDFC Bank
HDFC Bank
Rewards
10% Swiggy · 5% select online · 1% rest
• Paid out as Swiggy Money
• Per-cycle cap on each tier
• No lounge access
Best for: Heavy food-delivery users
SimplyCLICK SBI Card
SBI Card
Rewards
10X at partner sites · 5X other online · 1 pt per ₹100 base
• Milestone vouchers at two spend levels
• Fuel surcharge waiver
• Low waiver bar
Best for: Entry-level online shopping
Flipkart Axis Bank
Axis Bank
Rewards
7.5% Myntra · 5% Flipkart & Cleartrip · 4% partners · 1% rest
• Quarterly caps on the top tiers
• Lower tiers uncapped
• Lounge access withdrawn
Best for: Flipkart and Myntra buyers
⚠︎ Sources still showing lounge visits or a higher base rate are out of date.
Tata Neu Infinity HDFC Bank
HDFC Bank
Rewards
5% NeuCoins on Tata brands · 1.5% elsewhere
• Extra earn through the Tata Neu app
• Lounge access gated on quarterly spend
• Wide Tata brand coverage
Best for: Tata ecosystem shoppers
Amex Membership Rewards Credit Card
American Express
Rewards
1 Membership Rewards point per ₹50
• Half the fee waived at a lower spend tier
• Voucher-based redemption
• No published lounge count
Best for: Points collectors on a mid-range fee
⚠︎ Amex publishes no fixed rupee value per point, so an effective % cannot be computed.
Amex Platinum Travel Credit Card
American Express
Rewards
1 point per ₹50 plus tiered milestone bonuses
• Value sits in three annual spend milestones
• 8 domestic lounge visits, 2 per quarter
• Priority Pass on request
Best for: Predictable high annual spenders
⚠︎ The issuer page lists an annual fee only — no joining fee is disclosed.
Rewards
5 EDGE Miles per ₹100 on travel · 2 per ₹100 base
• 1 Mile = ₹1, published by the issuer
• Lounge count scales with spend tier
• Exempt from the usual lounge spend gate
Best for: Travel-focused reward maximisers
BPCL SBI Card OCTANE
SBI Card
Rewards
25 pts per ₹100 at BPCL · 10 pts per ₹100 dining, grocery, movies
• Issuer claims 7.25% value back on BPCL fuel
• 4 domestic lounge visits a year
• Fuel surcharge waiver
Best for: Regular BPCL refuellers
⚠︎ The issuer page contradicts itself on the fee-waiver threshold (₹2L vs ₹3L).
Rewards
10 pts per ₹100 dining, grocery, movies · 2 pts base
• 8 domestic and 4 international lounge visits
• Priority Pass included
• Birthday bonus points
Best for: Mid-premium all-rounder
HDFC Regalia Gold
HDFC Bank
Rewards
5 points per ₹200 on retail spends
• 12 domestic lounge visits, gated on prior-quarter spend
• Up to 6 international via Priority Pass
• Milestone vouchers
Best for: Frequent domestic flyers
ICICI Bank Emeralde Private Metal
ICICI Bank
Rewards
6 points per ₹200 on retail spends
• Unlimited domestic and international lounge access
• Supplementary cards included
• Metal card
Best for: High-spend premium users
IDFC FIRST Millennia
IDFC FIRST Bank
Rewards
10X on dining, travel & international · 3X other · 1X utilities
• Genuinely lifetime-free, no spend condition
• Points expire after 24 months
• Railway lounges only
Best for: A fee-averse first card
Rewards
10X points at 5 listed merchants · 2 pts per ₹150 base
• Lowest waiver bar on this list
• 1 point ≈ ₹0.25
• No lounge access
Best for: First-time cardholders
SimplySAVE SBI Card
SBI Card
Rewards
10 pts per ₹150 dining, movies, grocery · 1 pt base
• Rewards offline spends, not just online
• 1 point ≈ ₹0.25
• Fuel surcharge waiver
Best for: Everyday household spends
ICICI Bank Coral
ICICI Bank
Rewards
2 pts per ₹100 retail · 1 pt on utilities & insurance
• Quarterly lounge visit gated on prior spend
• Four railway lounge visits a year
• Low entry fee
Best for: Modest spenders who still want perks
⚠︎ ICICI does not publish a rupee value per reward point.
Axis Bank MY ZONE
Axis Bank
Rewards
4 EDGE points per ₹200
• One domestic lounge visit per quarter
• Annual milestone points
• No fee-waiver route
Best for: Cheap lounge access
⚠︎ Both the reward rate and the rupee value of EDGE points are unconfirmed on issuer sources.
Is the fee worth it?
A ₹1,500 annual fee needs about ₹30,000 of extra rewards a year at 5% just to break even. If your spending won't get there, a lifetime-free card wins — the fee is a guaranteed loss, the rewards are not.
Check what your spending actually looks like →
Before you use this list
• Fees and benefits change often and without notice. Figures were last checked on 21 July 2026 against each issuer's own published material.
• All fees exclude GST. Actual terms are personalised — the fee, limit and offers you get can differ by applicant, variant and application channel.
• ZMoney+ has no partnership, referral or commission arrangement with any card issuer. This is an educational comparison, not a recommendation, an advertisement or financial advice.
• Reward rates are headline figures and are usually subject to monthly or quarterly caps and category exclusions. Lounge access is increasingly gated on minimum prior spends rather than granted outright.
• Fee-waiver thresholds typically exclude rent, wallet loads, utilities, EMIs, fuel, insurance and gold — so the real bar is higher than the number suggests.
• This list is not exhaustive and accuracy is not guaranteed. Always confirm on the issuer's Most Important Terms & Conditions before applying. All trademarks belong to their respective owners.
Last verified 21 July 2026