Updated May 2026 · 40+ cards researched

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Top Picks · May 2026

Cards worth your attention

Filtered for real eligibility. No cards you can't get approved for.

HDFC
★★★★★4.8
MoneyBack+ Card
Best for online shopping
2X cashback on Amazon, Flipkart & Swiggy
₹500 voucher on ₹50K annual spend
Fuel surcharge waiver nationwide
Annual Fee ₹500Waived on ₹50K spendMin. ₹1.8L income
Annual Fee
₹500 (waived on ₹50K spend)
Apply →
Amazon
★★★★★4.8
Amazon Pay ICICI Card
Best lifetime free cashback card
5% cashback on Amazon for Prime members
2% cashback at 100+ Amazon Pay partners
1% cashback on all other spends — no limit
Lifetime FREEAmazon Prime needed for 5%
Annual Fee
₹0 Forever
Apply →
SBI
★★★★☆4.5
SimplyCLICK Card
Best for e-commerce
10X reward points on Amazon & BookMyShow
5X points on all other online spends
Fee reversed on ₹1L annual spend
Annual Fee ₹499Fee Reversal
Annual Fee
₹499
Apply →
ICICI
★★★★☆4.4
Platinum Chip Card
Best entry-level zero fee card
Truly lifetime free — zero annual fee ever
2 reward points per ₹100 spent
Min. income ₹15,000/month — easy to get
Lifetime FREEStudents OK
Annual Fee
₹0 Forever
Apply →
SBI
★★★★☆4.5
SBI Cashback Card
Best flat cashback card
5% cashback on all online spends (up to ₹40K/month)
1% cashback on all offline spends
No merchant restrictions — works everywhere
Annual Fee ₹999Fee Reversal at ₹2L
Annual Fee
₹999
Apply →
Axis
★★★★☆4.5
Axis ACE Credit Card
Best overall cashback card
5% cashback on bill payments via Google Pay
4% cashback on Swiggy, Zomato, Ola
2% flat cashback on all other spends
Annual Fee ₹499Fee Reversal at ₹2L
Annual Fee
₹499
Apply →
IDFC
★★★★☆4.3
IDFC FIRST WOW Card
Best student card — no income needed
Zero annual fee — lifetime free
FD-backed — no income proof required
Zero forex markup — great for online international spends
No Income ProofLifetime FREE
Annual Fee
₹0 Forever
Apply →
Kotak
★★★★☆4.2
Kotak 811 Card
Best for first credit card ever
No income proof — anyone 18+ can get it
FD-backed — guaranteed approval
Build CIBIL score from day one
No Income ProofLifetime FREE
Annual Fee
₹0
Apply →
Axis
★★★★☆4.2
Axis NEO Card
Best for food & entertainment
10% cashback on Swiggy, Zomato & BigBasket
1 free movie ticket every month
₹250 welcome voucher on activation
Annual Fee ₹250Food Cashback
Annual Fee
₹250
Apply →
OneCard
★★★★☆4.3
OneCard Metal Credit Card
Best looking card — metal finish
5X rewards on top 2 spend categories each month
Metal card — premium feel at zero fee
Instant approval via app — fully digital
Lifetime FREEApp-based approval
Annual Fee
₹0 Forever
Apply →
Scapia
★★★★☆4.2
Scapia Federal Card
Best free travel card
Unlimited domestic airport lounge access
2% rewards on all spends redeemable for flights
Zero forex charges on international spends
Lifetime FREELounge Access
Annual Fee
₹0 Forever
Apply →
HSBC
★★★★☆4.4
HSBC Live+ Card
Best for dining & groceries
10% cashback on dining, food delivery & groceries
1.5% unlimited cashback on all other spends
Up to ₹1,000 cashback per month cap
Annual Fee ₹999Min. Income ₹6L/year
Annual Fee
₹999
Apply →
AU Bank
★★★★☆4.1
AU LIT Credit Card
Most customisable free card
Choose your own benefit packs each month
Toggle shopping, travel, or dining perks on/off
Lifetime free — no annual fee ever
Lifetime FREECustomisable perks
Annual Fee
₹0 Forever
Apply →
IndusInd
★★★★☆4.1
EazyDiner IndusInd Card
Best for dining out
20% off at 2,000+ restaurants across India
Free EazyDiner Prime membership (worth ₹1,499)
2 free airport lounge visits per quarter
Annual Fee ₹999Min. ₹3L income
Annual Fee
₹999
Apply →
IDFC
★★★★☆4.2
IDFC FIRST Millennia Card
Best first card for freshers
Reward points that never expire — ever
10X points on first 90 days of spending
Easy approval for low income earners
Lifetime FREEPoints Never Expire
Annual Fee
₹0 Forever
Apply →
Side by Side

Quick comparison

The numbers that actually matter — at a glance.

CardAnnual FeeBest ForTop BenefitMin. IncomeFuel WaiverRating
HDFC MoneyBack+₹500Online shopping2X cashback₹1.8 LPA✓4.8
Amazon Pay ICICIFREEAmazon users5% on Amazon₹1.5 LPA✗⚡ 4.8
SBI Cashback Card₹999All online spends5% everywhere online₹2 LPA✗4.5
Axis ACE₹499Bill payments5% via Google Pay₹1.8 LPA✓4.5
ICICI Platinum ChipFREEZero fee users2pts/₹100₹1.5 LPA✓4.4
HSBC Live+₹999Dining & food10% dining cashback₹6 LPA✗4.4
IDFC FIRST WOWFREEStudentsNo income proofNone needed✗4.3
OneCard MetalFREEYoung earners5X top categories₹1.8 LPA✗4.3
SBI SimplyCLICK₹499E-commerce10X on Amazon₹2 LPA✗4.5
Kotak 811FREEFirst card everNo income proofNone needed✗4.2
Scapia FederalFREEBudget travelUnlimited lounge₹1.5 LPA✗4.2
IDFC FIRST MillenniaFREEFreshersPoints never expire₹1.5 LPA✗4.2
Axis NEO₹250Food & movies10% Swiggy/Zomato₹1.8 LPA✗4.2
AU LIT CardFREEFlexible spendersCustom monthly perks₹1.5 LPA✗4.1
EazyDiner IndusInd₹999Dining out20% dining off₹3 LPA✗4.1
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