Best Credit Cards in India 2026 Compare Cashback, Travel & Rewards Cards

Finding the right credit card can be challenging. We’re all looking for the perfect credit card that offers high rewards, cashback, discounts on purchases from top brands, and complimentary benefits like access to airport lounges, railway lounges, and golf rounds/lessons. Most of us want to enjoy these credit card benefits without any fees. This seems like an unrealistic expectation, as no credit card company can afford to offer such a great credit card without any fees.

Instead, credit card companies find it more appropriate to offer credit cards with different categories of benefits to suit their customers’ different spending habits. Since everyone’s preferences, needs, and spending patterns vary, no bank offers a single credit card that can be considered the best for all customers.

Therefore, to meet the needs of all categories of individuals, we’ve compiled a list of the best credit cards available in the Indian market. Here are the top 20 credit cards best suited for different types of spending, whether you’re looking for a budget card or a premium card, a lifetime free card or a card with moderate fees, or a card for online shopping or your daily fuel needs.

Also Read: Best RuPay Credit Cards in India

When it comes to credit cards in India, we’ve included only the best and top credit cards in our list. If you’re looking to apply for a new credit card or you’re unsure about which one to get, reviewing our list of credit cards will give you a better idea of ​​which one is best for you.

• Swiggy HDFC Bank Credit Card

• Cashback SBI Credit Card

• HDFC Bank Millennia Credit Card

• Flipkart Axis Bank Credit Card

• Amazon Pay ICICI Bank Credit Card

• Airtel Axis Bank Credit Card

• PhonePe HDFC Bank Ultimo Credit Card

• BPCL SBI Octane Credit Card

• IDFC FIRST Select Credit Card

• SBI Card PULSE

• Axis Bank Atlas Credit Card

• IDFC First Bank Ashva Metal Credit Card

• Axis Bank Cashback Credit Card

• Tata Neu Infinity HDFC Bank Credit Card

• IDFC First Bank Mayura Credit Card

• HSBC Live+ Credit Card – Cashback on Groceries

• HDFC Bank Diners Club Black Metal Edition Credit Card

• ICICI Bank Emeralde Private Metal Credit Card

• HDFC Bank INFINIA Metal Credit Card

• Times Black ICICI Bank Credit Card

List of the 20 Best Credit Cards in India in 2026

Before applying for a new credit card, you should consider the benefits it offers. Do you want to create a credit card to save on your daily expenses, or as a traveler, do you want to earn additional airmiles and enhance your travel experience with complimentary airport lounge access?

It’s important to have clear answers to all these questions, because as we mentioned earlier, different categories of credit cards are designed to meet different customer needs.

If you’re looking for a new, value-for-money credit card, reading this list will help you choose the one that best suits your needs.

What should you consider when applying for a new credit card?

If your Considering applying for a new credit card, you should have Certain Criteria in Mind. These criteria vary from person to person based on their daily Need, Monthly income, financial requirement, etc. This way, you can Compare the Best Credit Card in India and choose the Right one for you.

Your Monthly Expenses

For Example, let say your Looking for a Credit card that offers Maximum Discount on Travel expenses. In this Case, youll Place greater Value on Travel-related Benefits like Air-Miles, Membership in a frequent flyer Program, or Complimentary Air Ticket. If you want to Maximize Your Travel Experience, you might Consider Complimentary Airport Lounge Access.