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Compare 35 Credit Cards

Ranked by estimated monthly net reward. Switch spend level to see how rankings change.

Monthly spend
35 credit cards
1
HDFC Bank

HDFC Infinia (Metal) ★

travelpremium

Invite-only top earner — 33% return via SmartBuy portal.

₹15,625
/ month net
Apply
Earn rate: 10X via SmartBuy = 33.3% effective
Best burn: SmartBuy flights/hotels @ ₹1/RP | Airline miles 1:1
2
HDFC Bank

HDFC Diners Club Black Metal

travelpremium

Top travel card — 20% return on Diners Club merchants.

₹9,167
/ month net
Apply
Earn rate: 5X base = 3.3% | Diners 10X = 20%
Best burn: SmartBuy @ ₹1/RP | Airmiles 1:1
2
ICICI Bank

ICICI Emerald Private Metal

travelpremium

Ultra-premium travel — 18% on travel via ICICI portal.

₹3,400
/ month net
Apply
Earn rate: 6X travel = 18% | 3% base
Best burn: PAYBACK via travel
3
SBI Card

SBI Cashback Card

cashbackonline

5% cashback on all online spends — highest flat online rate.

₹2,000
/ month net
Apply
Earn rate: 5% online (capped ₹1L/mo) | 1% offline
Best burn: Direct cashback
3
Axis Bank

Axis Magnus Burgundy

travelpremium

High-velocity travel card — 9.6% return on accelerated categories.

₹3,967
/ month net
Apply
Earn rate: 12 EDGE Miles/₹200 = 9.6% on accelerated
Best burn: Airline miles 1:1
3
IDFC First Bank

IDFC First Private

travelultra-premium

33% on travel + 1.67% base — ultra-premium invite-only.

₹667
/ month net
Apply
Earn rate: 10X travel = 33% | 1.67% base
Best burn: Miles transfer 1:1
4
Yes Bank

Yes Bank POP Club Card

upino-feecashback

10% cashback on partner brands via Yes Bank POP Club app, 1% everywhere.

₹2,400
/ month net
Apply
Earn rate: 10% on partner brands | 1% elsewhere
Best burn: Cashback via Yes Bank POP Club app
4
Yes Bank

YES Marquee

premiumcashback

4.5% on top categories, 2.25% everywhere — no complex portals.

₹892
/ month net
Apply
Earn rate: 4.5% accelerated | 2.25% base
Best burn: Direct cashback
4
Axis Bank

Axis Bank Reserve

travelultra-premium

Super-premium with 8.4% return and exclusive lifestyle benefits.

₹33
/ month net
Apply
Earn rate: 15 EDGE Miles/₹200 = 8.4%
Best burn: Airline/hotel transfers
5
ICICI Bank

Amazon Pay ICICI

shoppingno-fee

Zero fee + 5% back on Amazon for Prime members.

₹1,000
/ month net
Apply
Earn rate: 5% on Amazon (Prime) | 1% elsewhere
Best burn: Amazon Pay balance (1:1)
5
American Express

Amex Platinum Charge

travelultra-premium

Status-led card with ₹60K benefits offsetting the fee.

₹2,000
/ month net
Apply
Earn rate: 1 MR/₹50 = 6%
Best burn: Hotel/airline transfers
5
HSBC India

HSBC TravelOne

travelmiles

10X miles on travel bookings = 25% effective return.

₹3,333
/ month net
Apply
Earn rate: 10X travel = 25% | 2.5% base
Best burn: Airline miles
5
Federal Bank / Scapia

Scapia Federal Bank

travelno-fee

Zero fee travel card — 4% on travel, 2% everywhere.

₹1,300
/ month net
Apply
Earn rate: 4% travel | 2% base
Best burn: Scapia travel bookings
6
ICICI Bank

ICICI Emirates Emeralde Private

travelpremiumairline

Co-branded Emirates — 3.75% Skywards miles on all spends.

₹1,042
/ month net
Apply
Earn rate: 3 Skywards/₹100 = 3.75%
Best burn: Emirates Skywards redemptions
6
Axis Bank

Flipkart Axis Bank

shoppingcashback

7.5% on Flipkart, 4% on Swiggy/Uber, 1.5% elsewhere.

₹1,583
/ month net
Apply
Earn rate: 7.5% Flipkart | 4% food/travel | 1.5% base
Best burn: Direct cashback
6
HDFC Bank

HDFC Regalia Gold

travelrewards

13.3% on Swiggy/Myntra/Nykaa via SmartBuy 5X.

₹1,458
/ month net
Apply
Earn rate: 5X accelerated | 2.5% base
Best burn: SmartBuy travel
7
American Express

Amex MRCC Gold

rewardsdining

18X points on Amex Travel & selected partners on 4 transactions/month.

₹975
/ month net
Apply
Earn rate: 1 MR/₹50 = 2.2% base
Best burn: Airline transfers
7
Tata Neu / HDFC

Tata Neu Infinity HDFC

shoppinggrocerytata

5% NeuCoins on Tata ecosystem spends.

₹625
/ month net
Apply
Earn rate: 5% Tata ecosystem | 1.5% base
Best burn: NeuCoins 1:1
7
HDFC Bank

Swiggy HDFC Black

foodgrocerycashback

10% on Swiggy + higher UPI cap vs Orange variant.

₹1,125
/ month net
Apply
Earn rate: 10% Swiggy | 5% shopping | 1% UPI higher cap
Best burn: Swiggy Money
7
SBI Card

PhonePe SBI Select Black

billsupishopping

10% on bill payments, 5% on shopping & food via PhonePe.

₹1,375
/ month net
Apply
Earn rate: 10% bills | 5% shopping/food | 1% UPI
Best burn: PhonePe wallet
7
Yes Bank / Kiwi

Kiwi YES Neon

upicashback

2% on UPI spends — best UPI credit card in market.

₹958
/ month net
Apply
Earn rate: 2% UPI (capped ₹1,000) | 1% above ₹75K
Best burn: Kiwi coins
7
Bank of Baroda

BOB Eterna

rewardsdiningshopping

15X on dining, shopping and travel — 8.33% return.

₹1,292
/ month net
Apply
Earn rate: 15X on dining/shopping/travel | 2.5% base
Best burn: BOB reward points
8
HDFC Bank

Swiggy HDFC (Orange)

foodgrocerycashback

10% on Swiggy orders, 5% on shopping and Instamart.

₹1,208
/ month net
Apply
Earn rate: 10% Swiggy | 5% shopping/grocery | 1% UPI
Best burn: Swiggy Money
8
HSBC India

HSBC Live+

foodgrocerydining

10% on food, grocery and dining (up to ₹1,000/mo cashback).

₹1,833
/ month net
Apply
Earn rate: 10% food/grocery/dining | 1.5% base
Best burn: Direct cashback
8
HDFC Bank

HDFC Millennia

shoppingfoodcashback

5% cashback on Amazon, Flipkart, Myntra, Swiggy and more.

₹1,000
/ month net
Apply
Earn rate: 5% partner brands | 1% base
Best burn: CashPoints redemption
8
HSBC India

HSBC Taj (Neupass)

travelhotel

Co-branded Taj hotels card — 5% on Taj, 1.5% elsewhere.

₹833
/ month net
Apply
Earn rate: 5% Taj travel | 1.5% base
Best burn: Taj Neupass points
9
HDFC Bank

PhonePe HDFC Ultimo

billsupi

10% on bill payments via PhonePe.

₹667
/ month net
Apply
Earn rate: 10% bills | 5% shopping | 1% UPI
Best burn: PhonePe wallet
9
SBI Card

PhonePe SBI Purple

billsshoppingupi

3% on bill payments, 2% shopping, 1% UPI via PhonePe.

₹958
/ month net
Apply
Earn rate: 3% bills | 2% shopping | 1% UPI
Best burn: PhonePe wallet
9
HSBC India

HSBC Cashback RuPay

foodgroceryno-fee

10% cashback on dining, food delivery, and grocery (capped).

₹1,150
/ month net
Apply
Earn rate: 10% dining/food/grocery (cap ₹400) | 1% base
Best burn: Direct cashback
9
HDFC Bank

HDFC Regalia

travelrewards

Classic HDFC travel card — 1.33% base with lounge access.

₹457
/ month net
Apply
Earn rate: 1.33% base rate
Best burn: SmartBuy travel
10
Yes Bank / Kiwi

Kiwi YES Free

upino-fee

Zero fee UPI card — 2% on UPI (capped), 0.5% everywhere.

₹417
/ month net
Apply
Earn rate: 2% UPI (cap ₹500) | 0.5% base
Best burn: Kiwi coins
11
Yes Bank / Uni

Uni Pay 1/3rd Card

no-feesplit

1% cashback on all spends + split-in-3 EMI feature.

₹500
/ month net
Apply
Earn rate: 1% cashback all spends
Best burn: Direct cashback
11
SBI Card

SBI SimplySAVE

dininggrocery

Entry SBI rewards card — 10X on dining and grocery.

₹808
/ month net
Apply
Earn rate: 10X dining/grocery | 1X base
Best burn: SBI reward points
12
Axis Bank

Axis Edge Rewards

rewards

Entry Axis rewards card — 0.6% base rate.

₹279
/ month net
Apply
Earn rate: 0.6% all spends
Best burn: EDGE Points
12
Axis Bank

Axis MY Zone

shoppingfood

Entry Axis card with 4X on food and entertainment.

₹158
/ month net
Apply
Earn rate: 0.4% base
Best burn: EDGE Points

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