10 Best Credit Cards in India for 2026

Choosing the right credit card can save you thousands of rupees every year. We’ve analysed every major credit card available in India to bring you this definitive list for 2026.

How We Picked These Cards

Our team evaluates cards across five dimensions:

• Reward value per ₹100 spent
• Annual fee vs. benefits ratio
• Lounge access and travel perks
• Cashback on everyday spending
• Welcome bonuses and milestone rewards

1. HDFC Infinia Credit Card

The undisputed king of Indian credit cards. With a reward rate of up to 3.3% on all spends and unlimited domestic and international lounge access, the Infinia remains the gold standard for high-net-worth individuals.

Key highlights:

• 5 reward points per ₹150 spent (10X on SmartBuy)
• Unlimited airport lounge access worldwide
• Complimentary golf rounds at premium courses
• Annual fee: ₹12,500 + GST

2. HDFC Regalia Credit Card

A strong all-rounder that punches above its weight. The Regalia offers excellent value for mid-to-high spenders with generous lounge access and a solid reward programme.

Key highlights:

• 4 reward points per ₹150 spent
• 12 domestic + 6 international lounge visits per year
• Milestone benefits up to ₹10,000
• Annual fee: ₹2,500 + GST

3. SBI Elite Credit Card

SBI’s flagship offering combines lifestyle benefits with competitive reward rates. The monthly milestone programme makes it especially rewarding for consistent spenders.

Key highlights:

• Up to 5X reward points on select categories
• 8 domestic + 2 international lounge visits per year
• Monthly milestone vouchers worth ₹1,000
• Annual fee: ₹4,999 + GST

4. Axis Magnus Credit Card

Axis Bank’s premium contender delivers exceptional value through its milestone-based reward structure. Spend ₹1 lakh per month and unlock massive bonus rewards.

Key highlights:

• 12 EDGE reward points per ₹200 spent
• 24 domestic + 6 international lounge visits per year
• Monthly milestone: 25,000 bonus points on ₹1L spend
• Annual fee: ₹12,500 + GST

5. Amex Platinum Credit Card

The American Express Platinum is more than a credit card — it’s a lifestyle membership. Hotel elite status, dining credits, and unparalleled concierge service make it a must-have for frequent travellers.

Key highlights:

• Membership Rewards points on every spend
• Marriott Bonvoy Gold + Hilton Gold status
• Unlimited global airport lounge access
• Annual fee: ₹60,000 + GST

6. ICICI Amazon Pay Credit Card

The best no-annual-fee card in India, period. If you shop on Amazon regularly, this card gives you 5% cashback with no upper limit for Prime members.

Key highlights:

• 5% cashback on Amazon (Prime members)
• 2% cashback on Amazon Pay partner merchants
• 1% cashback on all other spends
• Annual fee: ₹0

7. Axis Ace Credit Card

A cashback powerhouse for everyday spending. With 5% cashback on bill payments and recharges via Google Pay, the Ace delivers real savings on essential spends.

Key highlights:

• 5% cashback on Google Pay bill payments
• 4% cashback on Swiggy, Zomato, Ola
• 2% cashback on all other spends
• Annual fee: ₹499 + GST

8. HSBC Cashback Credit Card

Straightforward and generous — the HSBC Cashback card gives you 1.5% unlimited cashback on every single transaction with no complicated reward programmes to navigate.

Key highlights:

• 1.5% unlimited cashback on all spends
• 5% cashback on dining (weekends)
• No minimum spend requirement
• Annual fee: ₹750 + GST

9. IDFC First Select Credit Card

One of the few credit cards with no annual fee ever and no hidden charges. The 10X reward points on online spends make it an excellent choice for digital-first users.

Key highlights:

• Up to 10X reward points on online spends
• 4 domestic lounge visits per quarter
• Low interest rate at 0.75% per month
• Annual fee: ₹0 (lifetime free)

10. HDFC Millennia Credit Card

Designed for the young professional, the Millennia offers 5% cashback on popular online platforms including Amazon, Flipkart, and Swiggy — all for a modest annual fee.

Key highlights:

• 5% cashback on Amazon, Flipkart, Swiggy, and more
• 2.5% cashback on all other online spends
• 8 domestic lounge visits per year
• Annual fee: ₹1,000 + GST

Final Verdict

There’s no single “best” card — the right choice depends on your spending pattern, lifestyle, and whether you value cashback, travel perks, or reward points. Use our Card Genie tool to get a personalised recommendation in under 2 minutes.

Last updated: March 2026. Card details and fees are subject to change by the issuing banks.