Compare Credit Cards in India 2026

We've analyzed every reward rule, monthly cap, and exclusion across 30 hand-checked credit cards from 11 Indian banks. The default order reflects overall real-world value for everyday spenders, not who pays us. Sort or filter to match your own spending pattern.

Credit Card FAQs

How do I choose the right credit card?

Start with your biggest monthly spending category (groceries, fuel, dining, online shopping). Look for cards that offer the highest reward rate in that category, then check if there's a monthly cap or exclusions that would limit your earnings.

What is a monthly reward cap?

A monthly cap limits how much cashback or rewards you can earn per month. For example, a card offering 5% cashback with a ₹500 cap means you stop earning after ₹10,000 in spending. Cards with no cap give unlimited rewards.

Should I get a lifetime free card or a paid card?

If you spend under ₹1L/month, a lifetime free card usually wins. Paid cards make sense only if the extra rewards and benefits (lounge access, higher rates) outweigh the annual fee based on your actual spending.

What are excluded categories?

Most cards exclude certain merchant categories from earning rewards: commonly fuel, rent, wallet loads, EMI, and insurance payments. A card with 'great' rates may be worthless if it excludes your main spending category.