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Top 10 Best Credit Cards

#1
Axis Cashback Credit Card
  • Tier-based cashback card offering 2% → 7% on online spends
  • Higher spending unlocks higher cashback slabs (max ₹4,000/month)
  • Best suited for users spending ₹40K+ monthly online
#2
SBI Cashback Credit Card (Revised)
  • Pure cashback card with 5% online + 1% offline rewards
  • No reward points system → direct cashback (simple & transparent)
  • High earning potential with ₹2,000/month cap per category
#3
Airtel Axis Bank Credit Card (Revised)
  • High cashback card focused on Airtel recharges and utility payments
  • Offers up to 25% cashback, but linked to base spending (new dynamic cap system)
  • Best used as a secondary card along with another cashback card
#4
Amazon Pay ICICI Bank Credit Card
  • Lifetime free credit card (no joining or annual fee)
  • Earn up to 5% cashback on Amazon purchases
  • Unlimited cashback with no caps or expiry
#5
HSBC Live+ Credit Card
  • High cashback card with 10% cashback on dining, groceries & food delivery
  • 1.5% unlimited cashback on most other spends
  • ₹999 annual fee waived on ₹2L yearly spend
#6
Scapia Travel Credit Card
  • High travel-focused card with up to 20% rewards on Scapia app bookings
  • Zero joining, annual & forex fees – rare for a travel card
  • Rewards earned as Scapia Coins (5 coins = ₹1) with no redemption cap
#7
Kiwi RuPay Credit Card
  • UPI-focused credit card with cashback on scan & pay transactions
  • Lifetime free card with rewards in form of “Kiwis” (1 Kiwi = ₹0.25)
  • Base cashback ~1.5% on UPI spends, with potential up to 5% (via Neon membership)
#8
HDFC Millennia Credit Card
  • Cashback-focused card ideal for online shopping and daily spends
  • Earn 5% cashback (capped at ₹1,000/month) on top brands
  • Additional savings through HDFC sale offers + milestone rewards
#9
Swiggy BLCK HDFC Bank Credit Card
  • Premium cashback card designed for high spenders
  • Earn 10% (Swiggy) + 5% (online) + 1% (others) with separate monthly caps
  • High earning potential up to ₹4,000/month cashback
#10
IDFC FIRST Select Credit Card
  • Lifetime-free card (no joining & annual fee) with premium-style travel benefits
  • Up to 10X reward points with no expiry
  • Complimentary airport + railway lounge access (with spend condition)