Compare Indian credit cards using real reward math.
See which card actually earns you the most, after the caps and exclusions most sites quietly ignore.
Browse by what you need
Jump straight into a filtered view of the lineup
A look at the lineup
A preview of all 30 cards. Open the full set to filter by fee, reward type, and features.
Compare popular choices
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HDFC Bank Millennia
vsHDFC Bank MoneyBack Plus
1% effective rate vs 0.3333%
Axis Bank Atlas
vsAxis Bank Magnus
2% effective rate vs 1.2%
HDFC Bank Millennia
vsHDFC Bank Regalia Gold
1% vs 1.25% effective rate
HDFC Bank INFINIA Metal
vsICICI Bank Emeralde
1.665% effective rate vs 1%
Axis Bank Atlas
vsHSBC TravelOne
2% effective rate vs 0.6%
HDFC Bank INFINIA Metal
vsHDFC Bank Regalia Gold
8 partner deals vs 1
How We Analyze Every Card
No guesswork, no affiliate bias. Every ranking is driven by actual reward rules from bank T&Cs.
30 Cards from 11 Banks
We scrape and parse every card's reward structure from official bank terms: base rates, partner rates, online/offline splits, multipliers.
Caps & Exclusions Factored
Most sites ignore monthly caps and excluded categories. We factor in every restriction: a 5% card with a ₹500 cap may be worse than a 1% card with no cap.
Dated & Verified
Banks change rules often, so every card page shows the date it was last verified against official T&Cs. You can see exactly how fresh each card is. We re-check cards over time and when changes are flagged; there's no fixed refresh schedule.
Frequently Asked Questions
How does WhichWise rank credit cards?
We analyze every card's reward structure from official bank T&Cs: base rates, partner rates, caps, exclusions, and redemption quality. Rankings are purely data-driven with no affiliate influence.
Is WhichWise free to use?
Yes, 100% free. We don't charge users or accept affiliate fees from banks. Our goal is to help you find the best card for your spend pattern.
How often is card data updated?
There's no fixed schedule. Every card page shows a 'last verified' date so you can see how current its data is. We re-verify cards over time and prioritise ones where a change has been reported. Some cards are checked more often than others. Always confirm the latest terms on the bank's official site before applying.
How many cards can I compare at once?
You can compare two cards side-by-side across 14 categories including fees, reward rates, partner deals, lounge access, and eligibility, picked from any cards in our lineup.
What does 'effective base rate' mean?
It's the actual reward rate you earn after accounting for point value and redemption quality. A card offering 2 reward points per ₹100 with points worth ₹0.25 each has an effective rate of 0.5%.
Which credit card is best for beginners?
For beginners, we recommend lifetime-free cards with no annual fee and straightforward cashback (not points). The Amazon Pay ICICI and AU Altura Plus are strong starting options.
Still deciding?
Filter by what you actually spend on, or put two cards side by side on real reward math.