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Best Credit Cards 2026

Best Credit Cards in India 2026

Compare & apply for top credit cards from leading banks with instant approval, travel rewards, cashback benefits & lifetime free variants.

8cards

Quick picks

Showing 1–8 of 8 cards

4.0CredSpy Score

Premium · Shopping Cards

State Bank

Titan SBI Card

7.5% across the Titan brand group, 3% on Tanishq, and 1.5% on everything else

Best forWatches, eyewear and jewellery from the Titan group
Complimentarylounge access
7.5% across Titan brands

Annual fee

₹2,999

Joining fee₹3,539

Apply now View details

Reward rate: Up to 7.5% cashback
Forex markup: 3.5%
Lounge access: 8/yr domestic · 4/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate.

3.9CredSpy Score

Everyday · Shopping

State Bank

Fabindia SBI Card SELECT BK

Ten points per hundred at Fabindia, four lounge visits a year, and a fee two lakh of spend clears.

Best forRegular Fabindia shoppers
Complimentarylounge access
₹1,500welcome voucher

Annual fee

₹1,499

Fee waivable on spend

Joining fee₹1,499

Apply now View details

Reward rate: Up to 10 reward points per ₹100
Forex markup: 3.5%
Lounge access: 4/yr domestic
Interest: 45% p.a.
Credit score: 750+

Heads-up: Reward Points convert to Fabfamily Rewards and redeem only for shopping at Fabindia stores and on fabindia.com. They cannot be taken as…

3.9CredSpy Score

Everyday · Shopping

State Bank

Paytm SBI Card Select BK

Five per cent back on Paytm travel, movies and Mall — with four lounge visits a year.

Best forFrequent Paytm app users
Complimentarylounge access
₹750welcome cashback

Annual fee

₹1,499

Fee waivable on spend

Joining fee₹1,499

Apply now View details

Reward rate: Up to 5% cashback
Forex markup: 3.5%
Lounge access: 4/yr domestic
Interest: 45% p.a.
Credit score: 750+

Heads-up: Reward Points are auto-credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or…

3.8CredSpy Score

Everyday · Shopping

State Bank

Aditya Birla SBI Card SELECT Card BK

Twenty points per hundred across the Aditya Birla brands, with four lounge visits a year.

Best forFrequent Aditya Birla Fashion shoppers
Complimentarylounge access
1,500 pointswelcome bonus

Annual fee

₹1,499

Fee waivable on spend

Joining fee₹1,499

Apply now View details

Reward rate: Up to 20 reward points per ₹100
Forex markup: 3.5%
Lounge access: 4/yr domestic
Interest: 45% p.a.
Credit score: 750+

Heads-up: A Reward Point is worth Rs. 0.25, so the headline 20 points per Rs. 100 is an effective 5% back, and the base rate is 0.25%.

3.7CredSpy Score

Entry level · Travel

State Bank

IRCTC RuPay SBI Card BK

Up to ten per cent back on AC train fares, with four railway lounge visits a year.

Best forFrequent Indian Railways passengers
Complimentarylounge access
₹100welcome cashback

Annual fee

₹300

Fee waivable on spend

Joining fee₹500

Apply now View details

Reward rate: Up to 10% rewards
Forex markup: 3.5%
Lounge access: 4/yr domestic
Interest: 45% p.a.
Credit score: 700+

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

4.0CredSpy Score

Premium · Shopping

State Bank

Nature's Basket SBI Card Elite BK

Twenty points per hundred at Nature's Basket, with eight domestic lounge visits a year.

Best forFrequent gourmet grocery shoppers
Complimentarylounge access
₹5,000welcome voucher

Annual fee

₹4,999

Fee waivable on spend

Joining fee₹4,999

Apply now View details

Reward rate: Up to 20 reward points per ₹100
Forex markup: 3.5%
Lounge access: 2/qtr domestic · 8/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: A Reward Point is worth Rs. 0.25, so the headline rates convert at a quarter of their face value. 20 points per Rs. 100 is an effective 5%…

4.1CredSpy Score

Premium · Business

State Bank

SBI Card ELITE Business Card BK

Five times the points on dining, bills and office supplies, at a 1.99% forex markup.

Best forBusiness owners with high card spend
Complimentarylounge access
₹5,000welcome voucher

Annual fee

₹4,999

Fee waivable on spend

Joining fee₹4,999

Apply now View details

Reward rate: Up to 10 reward points per ₹100
Forex markup: 1.99%
Lounge access: 8/yr domestic · 6/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

3.9CredSpy Score

Everyday · Business

State Bank

SBI Card Prime Business Card BK

Ten points per hundred on dining, bills and office supplies, on a fee that Rs. 3 lakh of spend clears.

Best forSelf-employed professionals and small business owners
Complimentarylounge access
₹3,000welcome voucher

Annual fee

₹2,999

Fee waivable on spend

Joining fee₹2,999

Apply now View details

Reward rate: Up to 10 reward points per ₹100
Forex markup: Not published
Lounge access: 8/yr domestic · 4/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

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Credit Cards in India 2026 — Compare and Apply | CredSpy