#1
ICICI BankAmazon Pay ICICI Bank
5% on Amazon.in for Prime members, 3% for non-Prime members, 2% at eligible Amazon Pay partner merchants and 1% on other eligible payments
India’s intent-first card finder
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Tell us where your money goes. We shortlist nine cards, then put them side by side — fees, reward rates, caps and the quiet catches in one table.
Real terms
540 cards tracked
89 checked by hand
0 paid ranking spots
Grouped by joining fee · fees read 28 July 2026
Top 9 by what it costs to join
Three tiers, from lifetime-free entry cards to the super-premium end. Each tile shows what an applicant pays up front and what it's actually good for.
9per tier
₹0 – ₹999 to join
Low joining fee cards
ICICI Bank#2
Axis Bank
Axis Bank Kwik
2 EDGE REWARD Points per ₹200 on eligible domestic and international transactions
#3
Axis Bank
Axis Bank My Zone Easy
4 EDGE REWARD Points per ₹200 of domestic spend plus 25% movie-ticket cashback
#4
IDFC FIRST BankFIRST Millennia
10X on dining, travel, international purchases and birthday spends; 3X on eligible spends; 1X on utility, insurance, railway and FASTag
#5
Federal BankFederal Bank Signet
3X on electronics and apparel, 2X on entertainment and 1X on other eligible spends
#6
Federal BankFederal Bank Wave RuPay Credit Card (Floater / Add-on)
1 Federal Reward Point per ₹200 on eligible spends; 10% cashback up to ₹200 on the first 5 UPI transactions
#7
HDFC BankPIXEL Play
5% on two selected benefit packs, 3% at one selected e-commerce merchant and 1% unlimited on other eligible spends
#8
Kotak Mahindra BankPVR Platinum
2 PVR INOX tickets each month on ₹10,000 billing-cycle spend, plus 5% ticket and 20% food-and-beverage discounts at PVR INOX
#9
Utkarsh Small Finance BankPhonePe Wish Credit Card (Utkarsh SFB-issued, FD-backed)
3% reward points on PhonePe recharge and bill payments; 1% on select e-commerce and Scan & Pay
₹1,000 – ₹4,999 to join
Medium joining fee cards
#1
Axis Bank
Axis Bank Cashback
Tiered 2%, 5% and 7% cashback on eligible monthly online spend, 0.75% on eligible offline and travel spend, and 0.5% on utility bills
#2
HDFC BankTata Neu Infinity HDFC Bank
5% NeuCoins on eligible non-EMI Tata Neu and partner-brand spends, 1.5% on eligible non-Tata and merchant-EMI spends, and up to 1.5% on eligible UPI spends
#3
Axis Bank
Axis Bank Privilege
10 EDGE REWARD Points per ₹200 on eligible domestic and international spends
#4
RBL BankIndianOil RBL Bank Xtra
Fuel-focused rewards at IndianOil and 1 Fuel Point per ₹100 on eligible everyday purchases
#5
Axis Bank
Privilege Easy
10 EDGE REWARD Points per ₹200 on eligible spend, with 12,500-point activation and 10,000-point annual-spend milestone benefits
#6
Axis Bank
SpiceJet Axis Bank Voyage Black
Up to 28 SpiceClub Points/₹200 on SpiceJet, 12/₹200 on online food, bills and entertainment, and 6/₹200 on other eligible spends
#7
SBI CardSBI Card PRIME
10 RP/₹100 on dining, grocery, departmental stores and movies; 2 RP/₹100 on other eligible retail spend
#8
Axis Bank
Axis Bank SELECT
10 EDGE REWARD Points per ₹200, with 2X points on eligible retail shopping up to ₹20,000 per month
#9
Axis Bank
Axis Bank Executive Corporate
4 Plus Points/₹200 on domestic spends and 8 Plus Points/₹200 on international spends
₹5,000 and up to join
Premium cards
#1
Axis Bank
Axis Bank Atlas
5 EDGE Miles per ₹100 on Travel EDGE, direct airlines and direct hotels; 2 EDGE Miles per ₹100 on other eligible spends
#2
Axis Bank
Axis Bank Magnus
12 EDGE REWARD Points per ₹200 up to ₹1.5 lakh monthly eligible spend, 35 per ₹200 on incremental eligible spend within the published cap, and 5X on Travel EDGE
#3
#4
American Express IndiaAmerican Express Platinum Travel
Earn 1 Membership Rewards Point for every 2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale 2 .
#5
ICICI BankEmirates Skywards Sapphiro
Fly better with the Emirates Sapphiro Credit Card. Earn Skywards Miles, complimentary lounge access, and Emirates Silver Tier status with this premium travel card. Get exclusive offers on dining, entertainment, and more, making every moment of your journey extraordinary.
#6
#7
#8
Standard Chartered Bank IndiaStandard Chartered Ultimate
Earn 6000 Reward Points* worth Rs. 6000 on payment of joining fee with Ultimate Credit Card.
#9
IDFC FIRST BankMayura Credit Card (Metal)
Get Mayura Metal Card: 0 Forex, Lounge Access & 60x Rewards | IDFC FIRST Bank
Card visuals are 9cards' own illustrations, drawn for identification. Some are redrawn from the issuer's published card face; none reproduce an issuer-supplied image. Product names, designs and marks belong to their owners.
From 9cards
What we’re writing about.
Card change log
Benefits move.
We log the change.
Confirmed changes and required re-checks are added as dated lines—not quietly overwritten. The full record stays separate from community discussion.
- Fees
Axis ₹1,300 late-payment slab confirmed — Eight of the nine Axis card revision notices carry an identical table adding a top band above ₹50,000 at ₹1,300, with every band below ₹50,000 stated as unchanged. This clears the review flag raised on 30 July. HDFC Bank's MITC already charges ₹1,300 above ₹50,000, so Axis is arriving at the same ceiling rather than exceeding it. The PRIMUS notice contains no late-fee change.
Axis Bank card portfolio - Exclusions
Axis gift-card and toll exclusions confirmed — From 28 August 2026, gift-card spends move out of the Wallet category into a separate Gift card category and continue to earn nothing, and eight notices add that no rewards are earned on bridge fees, road fees and tolls. What the reclassification carries with it differs by card: fee-waiver and milestone exclusions apply on some notices and not others.
Axis Bank card portfolio - Lounge access
Priority Pass stops admitting to Indian domestic lounges — Six Axis notices — SELECT, MAGNUS, MAGNUS for BURGUNDY, OLYMPUS, RESERVE and PRIMUS — state that from 28 August 2026 the Priority Pass card is not valid at domestic airport lounges in India; the credit card itself is presented instead. Lounges at Indian international terminals after immigration still count as international and still take the Priority Pass.
Axis Bank card portfolio - Caps
Axis SELECT ₹3 lakh threshold narrows — From 1 October 2026 the ₹3 lakh anniversary-year threshold that unlocks 6 extra international lounge visits, 6 extra golf rounds and Priority Pass renewal stops counting spends in categories that already earn no points: insurance, rent, fuel, educational services, utilities and telecom, wallet, gold and jewellery, government services and gift card. The threshold figure itself is unchanged.
Axis Bank SELECT Credit Card