Best Credit Cards in India 2026

Heads-up: The Rs. 12,500 plus GST fee is waived only at Rs. 10,00,000 of spending in a card anniversary year, about Rs. 83,000 a month.

Heads-up: The 20-point grocery rate stops at 1,000 Reward Points a month, about Rs. 5,000 of groceries. Past that, groceries earn the 1-point base…

Heads-up: The 15-point fuel rate stops at 2,000 Fuel Points a month, which is about Rs. 13,300 of fuel. Past that, fuel earns the 2-point base rate.

Heads-up: The 10-point rate stops at 1,000 reward points a month across dining, groceries, entertainment and international together — about Rs.…

Heads-up: Rs. 5,000 plus GST is Rs. 5,900 a year, and RBL publishes no spend level at which it is waived or reversed.

Heads-up: Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback or statement credit.

Heads-up: The Rs. 3,000 annual fee is waived only on annual spends of Rs. 3,00,000 or more.

Heads-up: The card's value is BookMyShow tickets. Used anywhere else it is an ordinary entry-level card.