For India · updated 4 Oct 2026
Find the credit card that actually pays you back.
Answer a few questions about your income, credit history and spending. We calculate what each card would earn you in rupees — rewards, milestones, lounge visits, fees and forex — and rank them for you.
- Cards
- 40
- Banks
- 14
- Lifetime free
- 9
1
Tell us about you
Age, income, and whether this is your first card or you already hold a few.
2
Add your monthly spends
Amazon, Swiggy, groceries, fuel, bills, UPI, travel — rough numbers are fine.
3
Get ranked picks in ₹
Every card is scored by what it would actually earn you per year, minus fees.
Built for how cards really work in India
- First card? We factor in that banks are stricter without a credit history, and suggest lifetime-free and FD-backed cards that build your CIBIL score.
- Already have cards? We only count the extra value a new card adds on top of the ones in your wallet.
- Caps & exclusions included. Monthly cashback caps, excluded categories (rent, fuel, wallets…), spend-based lounges and fee waivers are all in the math.
- 2026 changes tracked. Devaluations like HDFC's May 2026 points change, SBI Cashback's new caps and IDFC's zero-forex move are reflected.