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Updated October 18, 2026 · DebitCue Editorial Team

Top cards in India compared

862 cards available in India, ranked for India.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top cards in India compared
#CardScoreFeaturesKey factsActions
1
Paisa247 logo
Paisa247Top pick
9.4/10
  • No annual fee
Annual fee:
₹0
APR:
9.99% to 44%
Rewards type:
None
ReviewCompareVisit
2
ICICI Bank logo
ICICI Bank

25% off up to INR 100 on movie tickets on BookMyShow and INOX (Coral Credit Card): 25% off up to INR 100, twice a month

9.1/10
    Currency conversion fee:
    3.5%
    Legal entity:
    ICICI Bank Limited
    Headquarters:
    India
    		ReviewCompareVisit
    3
    Instarem logo
    Instarem

    Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000

    		9.1/10
    • No annual fee
    Currency conversion fee:
    0%
    Legal entity:
    INSTAREM PTE. LIMITED
    Headquarters:
    Singapore
    		ReviewCompareVisit
    4
    Novio logo
    Novio

    Issues RuPay credit cards in India that are secured by a fixed deposit, with novio coins rewards on UPI, fuel and store spending.

    		9.1/10
    • No annual fee
    Annual fee:
    ₹0
    Rewards type:
    Points
    Rewards rate:
    10% novio coins on fuel purchase
    		ReviewCompareVisit
    5
    ICICI Bank Credit Cards logo
    ICICI Bank Credit Cards

    Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000

    		8.9/10
      Annual fee:
      ₹3,500
      Currency conversion fee:
      3.5%
      Rewards type:
      Points
      		ReviewCompareVisit
      6
      IDFC FIRST Bank Credit Cards logo
      IDFC FIRST Bank Credit Cards

      Cashback on 1st transaction with the Hello Cashback Credit Card: INR 250

      		8.8/10
      • No annual fee
      Annual fee:
      ₹0
      APR:
      8.5%
      Currency conversion fee:
      0%
      		ReviewCompareVisit
      7
      SBI Card logo
      SBI Card
      		8.7/10
      • Virtual card
      Annual fee:
      ₹499
      APR:
      45%
      Currency conversion fee:
      1.99% to 3.5%
      		ReviewCompareVisit
      8
      Scapia logo
      Scapia

      Scapia is a travel credit card issued in partnership with Federal Bank.

      		8.5/10
      • No annual fee
      Currency conversion fee:
      0%
      Rewards type:
      Points
      Rewards rate:
      10% rewards
      		ReviewCompareVisit
      9
      Kiwi logo
      Kiwi

      Kiwi offers a RuPay credit card that works with UPI and gives rewards on purchases.

      		8.5/10
      • No annual fee
      Rewards type:
      Cashback
      Rewards rate:
      1.5% cashback on Scan & Pay
      Cashback rate:
      1.5%
      		ReviewCompareVisit
      10
      Zagg Money logo
      Zagg Money

      Zagg Money offers a lifetime free UPI credit card with cashback and rewards.

      		8.5/10
        Annual fee:
        ₹499
        Rewards type:
        Points
        Rewards rate:
        Upto 8% Zagg Coins on UPI, contactless spends
        		ReviewCompareVisit

        Licensed in India

        ICICI Bank
        Deposit Insurance and Credit Guarantee Corporation (DICGC)
        ICICI Bank Credit Cards
        Deposit Insurance and Credit Guarantee Corporation (DICGC)
        OneCard
        Visa
        SBM Bank
        Reserve Bank of India (RBI)
        Axis Bank Credit Cards
        Reserve Bank of India
        Fino Payments Bank
        Reserve Bank of India
        slice Small Finance Bank
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        Other countries

        Paisa247

        Paisa247

        Top pick for India

        9.4/10Visit