Best credit cards in India for 2026
Compare fees, rewards, welcome bonuses and lounge access side-by-side. Then apply directly with the bank — at no extra cost.
| Card | Rating | Apply |
|---|---|---|
|
HDFC Millennia
HDFC Bank
Best Cashback |
★ 4.6 | Apply → |
|
Axis Magnus
Axis Bank
Editor's Pick |
★ 4.7 | Apply → |
|
SBI Cashback
SBI Card
Trending |
★ 4.5 | Apply → |
|
Amazon Pay ICICI
ICICI Bank
No Annual Fee |
★ 4.8 | Apply → |
|
Flipkart Axis
Axis Bank
|
★ 4.5 | Apply → |
|
IDFC FIRST Select
IDFC FIRST
No Annual Fee |
★ 4.4 | Apply → |
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Frequently Asked Questions
Which is the best credit card in India for cashback in 2026?
For pure cashback, the SBI Cashback Credit Card (flat 5% on all online spends) and the Amazon Pay ICICI (5% on Amazon Prime) lead the pack. Pick SBI if you shop across many sites and Amazon Pay ICICI if Amazon is your default.
What is the best lifetime-free credit card in India?
The Amazon Pay ICICI Credit Card and IDFC FIRST Select are widely regarded as the best lifetime-free options — no joining fee, no annual fee, and competitive reward rates.
How much should I spend each month to keep my credit card free?
It depends on the card. Most "fee-waiver on spends" credit cards waive the annual fee if you spend between ₹1 lakh and ₹3 lakh per year — that's ₹8,000–₹25,000 a month.
Will applying for multiple credit cards lower my CIBIL score?
Yes. Each application triggers a hard enquiry, which can shave a few points off your CIBIL score. Limit applications to one card every 6 months, and only apply when you actually need the card.
Is applying through FinanceXpresso free?
Yes — completely free. We earn a small commission from the issuing bank if your application is approved, at no extra cost to you.