| Card | Annual Fee | Best Benefit | Cashback/Rewards | Best For |
|---|---|---|---|---|
| Axis Ace Best Cashback | Rs 499* | 2% flat cashback | 2-5% | All spends |
| Amazon Pay ICICI | Free forever | Amazon 5% cashback | 1-5% | Online shoppers |
| HDFC Millennia | Rs 1,000* | 5% on Amazon/Flipkart | 1-5% | Online + dining |
| HDFC Regalia | Rs 2,500* | Lounge access | 4x points | Frequent fliers |
| SBI SimplyCLICK | Rs 499* | 10x online rewards | 1-10x | Beginners |
| IDFC WOW | Free forever | 1% cashback all | 1% | Zero fee seekers |
* Fee waived on minimum annual spend
⚠️ Most important rule: Credit cards are only beneficial if you PAY THE FULL OUTSTANDING AMOUNT every month before due date. If you pay only minimum due, you are charged 36-48% annual interest on the remaining amount — the most expensive debt in India. Use credit card like a debit card — only spend what you can pay back next month.
Also read: Credit Cards for Beginners · Best Cashback Cards · Improve CIBIL Score
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Disclaimer: Benefits as of May 2026. Annual fees and rewards subject to change by card issuer. Always read terms before applying.