Hello TFCians,
We’ve updated our article, “
Best Credit Cards 2024 | Category-wise Credit Card Recommendations by TechnoFino,” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included.
In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles, and reward points. Please peruse the complete list below and select the credit card that best suits your preferences.
[
A humble request: If you wish to apply for any credit card from the list, kindly use the link provided at the bottom of this post, as it will contribute to supporting our community.]
[Best Credit Cards 2024 Category-wise (YouTube Video): Watch The Video On YouTube]
Best Credit Cards For Online Shopping:
| Card Type | Card Name | Card's Reward Type | Reward | Capping |
|---|
| Lifetime Free | Amazon Pay ICICI Credit Card | Cashback | 5% Cashback on Amazon For Prime Members, 3% For Non Prime Members, 1% on other website | No capping |
| Entry Level (Fees upto Rs. 1,000) | SBI Cashback Credit Card | Cashback | 5% Cashback | Maximum cashback: Rs. 5000 per statement. |
| HDFC Bank Swiggy Credit Card | Cashback | 5% Cashback on select online categories | Maximum Cashback:
5% Category: Rs. 1500 per statement |
| HDFC Millennia Credit Card | Cashback | 5% Cashback on Amazon, Flipkart, Myntra. | Maximum Cashback:
5% Category: Rs. 1000 per statement |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | Axis Atlas Credit Card | Airmiles | 4% Airmiles | No capping |
| Yes Marquee Credit Card | Reward Points | 4.50% Reward Points | Maximum capping: 1L YES Rewardz Points per statement cycle. |
| SC Ultimate | Reward Points | 3.33% Reward Points | No capping |
| Amex Platinum Travel | Reward Points/Airmiles | Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get Taj voucher worth Rs. 10,000 | No capping on base points |
| Super Premium (Fees: Rs. 5001 to 12500) | HDFC Infinia Metal Credit Card | Reward Points/Airmiles | Upto 16.66% via smartbuy, 3.33% directly | Maximum 15000 reward points can be earned via smarbuy portal & Maximum 200000 reward points can be earned directly per statement. |
| HDFC Diners Club Black Metal Credit Card | Reward Points/Airmiles | Upto 16.66% via smartbuy, 3.33% directly | Maximum 10000 reward points can be earned via smarbuy portal & Maximum 75000 reward points can be earned directly per statement. |
| ICICI Emeralde Private Metal Credit Card | Reward Points | 3% Reward Points | No capping |
| Luxury (Fees more than Rs. 12500) | HSBC Premier Credit Card | Reward Points/Airmiles | 3% Reward Points | No capping |
| Axis Reserve Credit Card | Reward Points/Airmiles | 3% Airmiles | No Capping |
| Axis Olympus Credit Card | Airmiles | 4% Airmiles | No capping |
| Axis Magnus Burgundy Credit Card | Reward Points/Airmiles | 4.8% Airmiles | No capping |
| Axis One/Burgundy Private Credit Card | Reward Points/Airmiles | 6% Airmiles | No Capping |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No Capping |
Best Credit Cards For Utility Bill Payments:
| Card Type | Card Name | Card's Reward Type | Reward | Capping |
|---|
| Lifetime Free | Amazon Pay ICICI Credit Card | Cashback | 2% Cashback via Amazon Pay, 1% Cashback directly | No capping.
A fee of 1% of the transaction amount will be charged for utility payment transactions exceeding ₹50,000 |
| Entry Level (Fees upto Rs. 1,000) | Axis ACE Credit Card | Cashback | 5% Cashback via Google Pay | Maximum cashback: Rs. 500 per statement. |
| Axis Airtel Credit Card | Cashback | 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
10% Cashback on other utility bill payment via Airtel Thanks app. | Maximum cashback:
25% category: Rs. 250 per statement.
10% category: Rs. 250 per statement. |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | HDFC Tata Neu Infinity Credit Card | Cashback | 5% Cashback as Neu Coin Via Tata Neu App | No capping |
| SBI Vistara Prime Credit Card | Airmiles | 2% CV Points | No capping |
| SC Ultimate | Reward Points | 2% Reward Points | No Capping |
| Amex Platinum Travel Credit Card | Reward Points/Airmiles | Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 | No normal MR points on utility spend. |
| Super Premium (Fees: Rs. 5001 to 12500) | HDFC Infinia Metal Credit Card | Reward Points/Airmiles | 3.33% Reward Points | Maximum 2000 reward points can be earned per statement. |
| HDFC Diners Club Black Metal Credit Card | Reward Points/Airmiles | 3.33% Reward Points | Maximum 2000 reward points can be earned per statement. |
| HDFC Biz Black Credit Card | Reward Points/Airmiles | Upto 16.67% Reward Points | Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month. |
| ICICI Emedalde Private Metal | Reward Points | 3% Reward Points | Maximum capping: 1000 Reward points per statement. |
| Luxury (Fees more than Rs. 12500) | HSBC Premier Credit Card | Reward Points/Airmiles | 3% Reward Points | No capping |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No capping |
Best Credit Cards For UPI Payments (RuPay UPI System):
| Card Type | Card Name | Card's Reward Type | Reward | Minimum Transaction Value Required For Earning Rewards | Capping |
|---|
| Lifetime Free | Yes Bank RuPay UPI Credit Card (Virtual) | Reward Point | 1% | Rs. 2001 per transaction | Maximum 5000 Reward Points per statement. |
| Kiwi Axis Bank RuPay UPI Credit Card | Cashback | 1% | No Capping | No Capping |
| IndusInd Rupay Platinum Credit Card | Reward Points | 0.7% (Cashback)/ 2% (Vistara CV Points) | Rs 100 per transaction | No Capping |
| Entry Level (Fees upto Rs. 1,000) | Kotak Myntra RuPay Credit Card | Cashback | 1.25% | Rs. 2001 per transaction | No Capping |
| HDFC Tata Neu Plus Credit Card | Cashback | 1% Neu Coin via Tata Neu App. | No Capping | Maximum 500 Neu Coins per statement. |
| BOB Snapdeal Credit Card | Reward Point | 1% | No Capping | Maximum 500 Reward Points per statement. |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | HDFC Tata Neu Infinity Credit Card | Cashback | 1.50% Neu Coin via Tata Neu App. | No Capping | Maximum 500 Neu Coins per statement. |
| Super Premium (Fees: Rs. 5001 to 12500) | N/A | | | | |
| Luxury (Fees more than Rs. 12500) | N/A | | | | |
Best Credit Cards For Insurance Premium Payments:
| Card Type | Card Name | Card's Reward Type | Reward | Capping |
|---|
| Lifetime Free | Amazon Pay ICICI Credit Card | Cashback | 2% Cashback via Amazon Pay, 1% if paid directly | No capping |
| Scepia Credit Card | Reward Points | 2% | No capping |
| Entry Level (Fees upto Rs. 1,000) | SC Smart Credit Card | Cashback | 2% Cashback | Maximum cashback: Rs. 1000 per statement. |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | SC Ultimate Credit Card | Reward Points | 2% Reward Points | No capping |
| SBI Vistara Prime Credit Card | Airmiles | 2% CV Points | No capping |
| HDFC Tata Neu Infinity Credit Card | Cashback | 5% Neu Coin Via Tata Neu App | Maximum 2000 neu coin per day. |
| Amex Platinum Travel Credit Card | Reward Points/Airmiles | Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 | No base MR points on insurance spends. |
| Super Premium (Fees: Rs. 5001 to 12500) | HDFC Infinia Metal Credit Card | Reward Points/Airmiles | 3.33% Reward Points | Maximum 5000 reward points can be earned per day & maximum 2,00,000 reward points can be earned per statement. |
| HDFC Diners Club Black Metal Credit Card | Reward Points/Airmiles | 3.33% Reward Points | Maximum 5000 reward points can be earned per day & maximum 75,000 reward points can be earned per statement. |
| Luxury (Fees more than Rs. 12500) | HSBC Premier Credit Card | Reward Points/Airmiles | 3% Reward Points | No capping |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No capping |
Best Credit Cards For Rent Payments:
| Card Type | Card Name | Card's Reward Type | Reward | Fees | Effective Reward | Capping |
|---|
| Lifetime Free | | | | | | |
| Entry Level (Fees upto Rs. 1,000) | SC Smart Credit Card | Cashback | 2% | 1% + 18% GST | 0.82% | Maximum cashback: Rs. 1000 per statement. |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | SC Ultimate Credit Card | Reward Points | 2% | 1% + 18% GST | 0.82% | No capping |
| Super Premium (Fees: Rs. 5001 to 12500) | Axis Magnus Burgundy Credit Card | Reward Points/Airmiles | 4.8% Airmiles | 1% + 18% GST | 3.62% | Points accrued only up to ₹50000 per statement |
| Luxury (Fees more than Rs. 12500) | HSBC Premier | Reward Points/Airmiles | 3% Reward Points | 1% + 18% GST | 1.82% | No capping |
| Axis Reserve Credit Card | Reward Points/Airmiles | 3% Airmiles | 1% + 18% GST (max: Rs. 1500) | 1.82% | Points accrued only up to ₹1L per statement |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No Fee | 5% | No Capping |
Best Credit Cards For Wallet Loading:
| Card Type | Card Name | Card's Reward Type | Reward | Capping |
|---|
| Lifetime Free | Amazon Pay ICICI Credit Card | Cashback | 1% Cashback | No capping |
| IDFC First LTF Cards (Wealth/Select/Millennia/Classic Credit Card) | Reward Points | 0.50% | No capping |
| Entry Level (Fees upto Rs. 1,000) | SC Smart Credit Card | Cashback | 2% Cashback | Maximum Cashback: Rs. 1000 per statement. |
| BOB Eterna Credit Card | Reward Points | 3.75% | Maximum expenses upto Rs 33,350 per statement |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | SC Ultimate Credit Card | Reward Points | 3.33% | No capping |
| Amex MRCC | Reward Points/Airmiles | Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1500 per transaction, 4 times a month. | No capping |
| Amex Gold Charge | Reward Points/Airmiles | Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1000 per transaction, 6 times a month. | No capping |
| Amex Platinum Travel Credit Card | Reward Points/Airmiles | Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 | No capping on base points |
| Super Premium (Fees: Rs. 5001 to 12500) | N/A | | | |
| Luxury (Fees more than Rs. 12500) | HSBC Premier Credit Card | Reward Points/Airmiles | 3% Reward Points | No capping |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No capping |
Best Credit Cards For Offline Transactions:
| Card Type | Card Name | Card's Reward Type | Reward | Capping |
|---|
| Lifetime Free | Amazon Pay ICICI Credit Card | Cashback | 1% | No capping |
| Scepia Credit Card | Reward Points | 2% | No capping |
| Entry Level (Fees upto Rs. 1,000) | Axis ACE Credit Card | Cashback | 1.5% | No capping |
| HSBC Live+ Credit Card | Cashback | 1.5% | No capping |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | Axis Atlas Credit Card | Airmiles | 4% Airmiles | No capping |
| SC Ultimate Credit Card | Reward Points | 3.33% | No capping |
| Yes Marquee Credit Card | Reward Points | 2.25% | No capping |
| Amex Platinum Travel Credit Card | Reward Points/Airmiles | Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 | No capping on base points. |
| Super Premium (Fees: Rs. 5001 to 12500) | HDFC Infinia Metal Credit Card | Reward Points/Airmiles | 3.33% | Maximum 2,00,000 reward points can be earned per statement. |
| HDFC Diners Club Black Metal Credit Card | Reward Points/Airmiles | 3.33% | Maximum 75,000 reward points can be earned per statement. |
| ICICI Emeralde Private Metal Credit Card | Reward Points | 3% | No capping |
| Yes Private Credit Card | Reward Points | 2.5% | No capping |
| Luxury (Fees more than Rs. 12500) | Axis Reserve Credit Card | Reward Points/Airmiles | 3% Airmiles | No capping |
| Axis Burgundy Magnus Credit Card | Reward Points/Airmiles | 4.8% Airmiles | No capping |
| Axis One/ Burgundy Private Credit Card | Reward Points/Airmiles | 6% Airmiles | No capping |
| HSBC Premier Credit Card | Reward Points/Airmiles | 3% Reward Points | No capping |
| Axis Olympus Credit Card | Airmiles | 4% Airmiles | No capping |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No capping |
Best Credit Cards For Government Payments/Tax Payments:
| Card Type | Card Name | Card's Reward Type | Reward | Capping |
|---|
| Lifetime Free | ICICI Amazon Pay Credit Card | Cashback | 1% | No capping |
| IDFC First Wealth Credit Card | Reward Points | 0.5% | No capping |
| IDFC First Select Credit Card | Reward Points | 0.5% | No capping |
| Entry Level (Fees upto Rs. 1,000) | SC Smart Credit Card | Cashback | 2% | Maximum Cashback: Rs. 1000 per statement. |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | SC Ultimate Credit Card | Reward Points | 2% | No capping |
| YES Marquee Credit Card | Reward Points | 1.25% | No capping |
| Amex Platinum Travel Credit Card | Reward Points/Airmiles | Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 | No capping on base points |
| Super Premium (Fees: Rs. 5001 to 12500) | Yes Private Credit Card | Reward Points | 2.5% | No capping |
| HDFC BizBlack Credit Card | Reward Points/Airmiles | Upto 16.67% Reward Points | Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month. |
| Luxury (Fees more than Rs. 12500) | HSBC Premier Credit Card | Reward Points/Airmiles | 3% Reward Points | No capping |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No capping |
Best Credit Cards For Other Online Payments:
| Card Type | Card Name | Card's Reward Type | Reward | Capping |
|---|
| Lifetime Free | Amazon Pay ICICI Credit Card | Cashback | 1% | No capping |
| Scepia Credit Card | Reward Points | 2% | No capping |
| Entry Level (Fees upto Rs. 1,000) | SC Smart Credit Card | Cashback | 2% | Maximum Cashback: Rs. 1000 per statement. |
| SBI Cashback Credit Card | Cashback | 5% | Maximum Cashback: Rs. 5000 per statement. |
| Axis ACE Credit Card | Cashback | 1.5% | No capping |
| HSBC Live+ Credit Card | Cashback | 1.5% | No capping |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | Axis Atlas Credit Card | Airmiles | 4% Airmiles | No capping |
| SC Ultimate Credit Card | Reward Points | 3.33% | No capping |
| Amex Platinum Travel Credit Card | Reward Points/Airmiles | Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 | No capping on base points |
| Super Premium (Fees: Rs. 5001 to 12500) | HDFC Infinia Metal Credit Card | Reward Points/Airmiles | 3.33% | Maximum 2,00,000 reward points can be earned per statement. |
| HDFC Diners Club Black Metal Credit Card | Reward Points/Airmiles | 3.33% | Maximum 75,000 reward points can be earned per statement. |
| HDFC Biz Black Credit Card | Reward Points/Airmiles | 3.33% | No Capping |
| ICICI Emeralde Private Metal Credit Card | Reward Points | 3% | No capping |
| Luxury (Fees more than Rs. 12500) | HSBC Premier Credit Card | Reward Points/Airmiles | 3% | No capping |
| Axis Olympus Credit Card | Airmiles | 4% Airmiles | No capping |
| Axis Burgundy Magnus Credit Card | Reward Points/Airmiles | 4.8% Airmiles | No capping |
| Axis One/ Burgundy Private Credit Card | Reward Points/Airmiles | 6% Airmiles | No capping |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No capping |
Best Credit Cards For Fuel Purchases:
| Card Type | Card Name | Card's Reward Type | Reward | Surcharge Waiver |
|---|
| Lifetime Free | N/A | | | |
| Entry Level (Fees upto Rs. 1,000) | IDFC First Bank HPCL Power+ Credit Card | Reward Points | Earn 5% Reward Point on expenses of up to ₹12,000 every month, plus earn 1.5% value back as HP Happy Coins if used via HP Pay app, upto Rs. 10000 per month. | Not Available |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | SBI BPCL OCTANE Credit Card | Reward Points | Earn 6.25% on expenses upto Rs. 10,000 per statement. | 1% surcharges waiver on expenses of up to Rs 10,000 per statement. |
| IndianOil RBL Bank XTRA Credit Card | Reward Points | Earn 7.50% on expenses upto Rs. 13,400 per statement. | 1% surcharges waiver on expenses of up to Rs 20,000 per statement. |
| Amex Gold Charge Card | Reward Points/Airmiles | Upto 9% airmiles or 18% MR Points (with milestone bonus) just by spending Rs. 1000 per transaction, 6 times a month on fuel.
Spent on Fuel payments capped at 5,000 Membership Rewards points in a calendar month. | 0% surcharge on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above. |
| Amex MRCC | Reward Points/Airmiles | Upto 8% airmiles or 16% MR Points in milestone bonus just by spending Rs. 1500 per transaction, 4 times a month on fuel.
No reward points on fuel spends. | 0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above. |
| Super Premium (Fees: Rs. 5001 to 12500) | N/A | | | |
| Luxury (Fees more than Rs. 12500) | Axis Primus Credit Card | Airmiles | 5% Airmiles | 1% of the transaction amount gets refunded for fuel transactions between Rs. 400 to Rs. 10,000. per Statement Cycle |
Best Credit Cards For International Transactions:
| Card Type | Card Name | Card's Reward Type | Reward | Markup Fees | Additional Benefits | Effective Reward Rate | Capping |
|---|
| Lifetime Free | IDFC First WOW Credit Card | Reward Points | 0.67% | Nil | Nil | 0.67% | No capping |
| Scapia Credit Card | Reward Points | Nil | Nil | Nil | Nil | Not Applicable |
| Entry Level (Fees upto Rs. 1,000) | SBI Cashback Credit Card | Cashback | 5%
(Online spends) | 3.50% | | 0.87% | Maximum Cashback: Rs. 5000 per statement. |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | RBL World Safari Credit Card | Reward Points | Nil | Nil | Spend 7.5L in a year & get reward of worth Rs. 20,500 | Directly: Nil
Milestone: 2.73% (If you spend 7.5L in a year) | Not Applicable |
| BOB Eterna Credit Card | Reward Points/Cashback | 3.75% (Online) | 2% + GST | Nil | 1.39% | Maximum expenses upto Rs 33,350 |
| Yes Marquee Credit Card | Reward Points | 4.5% (online) & 2.25% (offline) | 1% + GST | Nil | 3.32% (online) & 1.07% (offline) | No capping |
| Super Premium (Fees: Rs. 5001 to 12500) | Yes Private Credit Card | Reward Points | 5% | 0.50% + GST | Nil | 4.41% | No capping |
| HDFC Infinia Metal Credit Card | Reward Points/Airmiles | 3.33% | 2% + GST | Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement | 1.97% | 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement. |
| HDFC Diners Club Black Metal Credit Card | Reward Points/Airmiles | 3.33% | 2% + GST | Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement | 1.97% | 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement. |
| Luxury (Fees more than Rs. 12500) | Axis Reserve Credit Card | Reward Points/Airmiles | 6% Airmiles | 1.50% + GST | Nil | 4.23% Airmiles* | No capping |
| Axis Olympus Credit Card | Airmiles | 8% Airmiles | 1.8% + GST | Nil | 5.88% Airmiles | No capping |
| Axis Burgundy Magnus Credit Card | Reward Points/Airmiles | 4.8% Airmiles | 2%+GST | Nil | 2.44% | No capping |
| Axis One/ Burgundy Private Credit Card | Reward Points/Airmiles | 6% Airmiles | Nil | Nil | 6% | No capping |
| Axis Primus | Airmiles | 5% Airmiles | Nil | Nil | 5% | No capping |
| HSBC Premier Credit Card | Reward Points/Airmiles | 3% Reward Points | 0.99% + GST | Nil | 1.83% | No capping |
| Indusind Pioneer Heritage Metal Credit Card | Reward Points | 2.5% Reward Points | Nil | Nil | 2.5% | No capping |
| Amex Platinum Charge Card | Reward Points/Airmiles | 7.5% MR Points or Marriott Points/3.75% Airmiles | 3.50% | Nil | 3.37% MR or Marriott Points/ (-)0.38% Airmiles | No capping |
Best Credit Cards For Domestic Airport Lounge Access:
| Card Type | Card Name | Domestic Lounge Limit | Spend Requirements | Available For Add-on Card Holders (Y/N) | Guest Access |
|---|
| Lifetime Free | Scepia Credit Card | Unlimited | Rs. 10,000 in a month | No | Not Available |
| Entry Level (Fees upto Rs. 1,000) | N/A | | | | |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | BOB Eterna Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| Super Premium (Fees: Rs. 5001 to 12500) | Yes Private Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
| HDFC Infinia Metal Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| HDFC Diners Club Black Metal Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| ICICI Emeralde Private Metal Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| Axis Magnus Credit Card | Unlimited | Spend Rs. 50,000 on the previous quarter | Yes, Unlimited | 4 Free guest access |
| Luxury (Fees more than Rs. 12500) | Axis Reserve Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
| Axis Olympus Credit Card | Unlimited | Nil | Yes, Unlimited | 10 Free guest access |
| Axis Burgundy Magnus Credit Card | Unlimited | Spend Rs. 50,000 on the previous quarter | Yes, Unlimited | 4 Free guest access |
| Axis One / Burgundy Private Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
| Axis Primus Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
| HSBC Premier Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
Best Credit Cards For International Airport Lounge Access:
| Card Type | Card Name | Domestic Lounge Limit | Spend Requirements | Available For Add-on Card Holders (Y/N) | Guest Access |
|---|
| Lifetime Free | N/A | | | | |
| Entry Level (Fees upto Rs. 1,000) | N/A | | | | |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | Yes Marquee Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| Super Premium (Fees: Rs. 5001 to 12500) | Yes Private Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
| HDFC Infinia Metal Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| HDFC Diners Club Black Metal Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| ICICI Emeralde Private Metal Credit Card | Unlimited | Nil | Yes, Unlimited | Not Available |
| Axis Magnus Credit Card | Unlimited | Spend Rs. 50,000 on the previous quarter | No | 4 Free guest access |
| Luxury (Fees more than Rs. 12500) | Axis Reserve Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
| Axis Olympus Credit Card | Unlimited | Nil | Yes, Unlimited | 10 Free guest access |
| HSBC Premier Credit Card | Unlimited | Nil | Yes, Unlimited | 8 Free guest access |
| Axis Burgundy Magnus Credit Card | Unlimited | Spend Rs. 50,000 on the previous quarter | Yes, Unlimited | 4 Free guest access |
| Axis One / Burgundy Private Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
| Axis Primus Credit Card | Unlimited | Nil | Yes, Unlimited | 12 Free guest access |
Best Credit Cards For Railway Lounge Access:
| Card Type | Card Name | Domestic Lounge Limit | Spend Requirements |
|---|
| Lifetime Free | IDFC First Millennia Credit Card | 4 per quarter | Nil |
| IDFC First Classic Credit Card | 4 per quarter | Nil |
| IDFC First Select Credit Card | 4 per quarter | Nil |
| IDFC First Wealth Credit Card | 4 per quarter | Nil |
| AU Small Finance Bank Xcite Ace Credit Card | 2 per quarter | Nil |
| AU Small Finance Bank Xcite Ultra Credit Card | 2 per quarter | Nil |
| ICICI Coral Rupay Credit Card | 1 per quarter | Nil |
| Entry Level (Fees upto Rs. 1,000) | AU Small Finance Bank Altura Credit Card | 2 per quarter | Nil |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | N/A | | |
| Super Premium (Fees: Rs. 5001 to 12500) | N/A | | |
| Luxury (Fees more than Rs. 12500) | N/A | | |
Credit Card Application Links: [Our affiliate links]
So, those are some of the best credit cards available in the Indian market right now. Select the best card for you and earn amazing rewards from your spending. And don't forget to apply for a credit card using our affiliate link, so that you contribute to running this community website.
Happy reward earning!
Cheers 🥂
