Best Credit Cards

At Credofly, we know that choosing the best credit cards for your wallet can be tough since there are tons of options on the market. To simplify this process, our team has done the heavy lifting for you, compiling a current list of our top picks of the best credit cards available.

Our curated selection features cards with premium rewards, elevated cash-back offers, impressive welcome bonuses and more. Whether you’re new to the world of credit card rewards or a seasoned traveler who’s an expert at racking up points and miles, our comprehensive guide to the best credit cards is here to help.

Check out our hand-picked, top-tier options that cater to nearly every lifestyle and match your unique preferences.

Entry-Level Credit Cards

securely on ICICI BankICICI Bank’s website

Best lifetime free credit card in India

Amazon Pay ICICI Credit Card

Card Type
Cashback

Best Suited For
Online Shopping and Bill Payments

Joining Fee
Rs. Free

Annual Fee
Rs. Free

Coming soon!

securely on SBI's website

Best Cashback Credit Card for Online Spends

SBI Cashback Credit Card

Card Type
Cashback

Best Suited For
Online Shopping

Joining Fee
Rs. 999

Annual Fee
Rs. 999

Reversal of Renewal Fee on annual spends of Rs.2 Lakh
1% Fuel Surcharge Waiver across all petrol pumps in India*

5% Cashback on online* spends without any merchant restriction
1% Cashback on offline* spends
Card Cashback will be auto-credited to your SBI Card account within two working days of your next statement generation.

Many categories excluded
No rewards on Fuel, Utilities, Wallet, etc.

No nonsense 5% cashback on most of the online shopping needs

Reversal of Renewal Fee on annual spends of Rs.2 Lakh
1% Fuel Surcharge Waiver across all petrol pumps in India*

5% Cashback on online* spends without any merchant restriction
1% Cashback on offline* spends
Card Cashback will be auto-credited to your SBI Card account within two working days of your next statement generation.

Many categories excluded
No rewards on Fuel, Utilities, Wallet, etc.

No nonsense 5% cashback on most of the online shopping needs

securely on HDFC Bank's website

Gateway to premium lifestyle – enriched with exclusive benefits

Tata Neu Infinity HDFC Bank Credit Card

Card Type
Travel and Rewards

Best Suited For
Everything

Joining Fee
Rs. 1499

Annual Fee
Rs. 1499

1-year complimentary Club Marriott membership.
12,500 Reward Points as an introductory benefit.
Unlimited access to airport lounges across the globe for both primary as well as add-on cardholders.
Get 5 Reward Points on every Rs. 150 spent (except fuel transactions) with your HDFC Bank Infinia Card.
24×7 global concierge service.
Unlimited golf games at leading golf destinations in India and abroad.
Low foreign currency markup of 2%.
Dining benefits with the Good Food Trail program.
1+1 complimentary buffet on weekends at participating ITC hotels.
2+1 complimentary night stay at participating ITC hotels.
Spend-based waiver annual membership fee.
Get a 1% fuel surcharge waived at all fuel stations.

Unlimited lounge access at domestic as well as select foreign airports with the card
The card charges a low forex markup fee of 2% which is great for those who make frequent spends in foreign currencies
Unlimited complimentary golf games at premier golf courses in India and across the world

There are not no annual or monthly perks on the Infinia credit card
Earlier there were lifetime-free options but the new metal edition Infinia credit card does not have any lifetime-free benefits

Metallic Card
Complimentary nights & buffet at participating
ITC Hotels complimentary Club Marriott membership for first-year
Unlimited airport lounge access across the globe for Primary and Add-on members
5 Reward Points for every ₹ 150 spent

1-year complimentary Club Marriott membership.
12,500 Reward Points as an introductory benefit.
Unlimited access to airport lounges across the globe for both primary as well as add-on cardholders.
Get 5 Reward Points on every Rs. 150 spent (except fuel transactions) with your HDFC Bank Infinia Card.
24×7 global concierge service.
Unlimited golf games at leading golf destinations in India and abroad.
Low foreign currency markup of 2%.
Dining benefits with the Good Food Trail program.
1+1 complimentary buffet on weekends at participating ITC hotels.
2+1 complimentary night stay at participating ITC hotels.
Spend-based waiver annual membership fee.
Get a 1% fuel surcharge waived at all fuel stations.

Unlimited lounge access at domestic as well as select foreign airports with the card
The card charges a low forex markup fee of 2% which is great for those who make frequent spends in foreign currencies
Unlimited complimentary golf games at premier golf courses in India and across the world

There are not no annual or monthly perks on the Infinia credit card
Earlier there were lifetime-free options but the new metal edition Infinia credit card does not have any lifetime-free benefits

Metallic Card
Complimentary nights & buffet at participating
ITC Hotels complimentary Club Marriott membership for first-year
Unlimited airport lounge access across the globe for Primary and Add-on members
5 Reward Points for every ₹ 150 spent

securely on American Express's website

The premium lifestyle card

American Express Membership Rewards Credit Card

Card Type
Travel and Rewards

Best Suited For
Travel Rewards

Joining Fee
Rs. 1000

Annual Fee
Rs. 1500

Coming Soon!

securely on Axis Bank's website

2% cashback card

Axis Ace Credit Card

Card Type
Cashback

Best Suited For
Offline shopping

Joining Fee
Rs. 500

Annual Fee
Rs. 500

Our editors are still brewing the best content for you!

Premium Credit Cards

securely on IDFC Bank's website

Basic Lifetime Free Credit Card

IDFC First Wealth Credit Card

Card Type
Travel and Rewards

Best Suited For
Shopping | Travel

Joining Fee
Rs. 0

Annual Fee
Rs. 0

Coming Soon!

securely on Axis Bank's website

Best Flight & Hotel Booking Card

Axis Bank Vistara Infinite Credit Card

Card Type
Travel and Rewards

Best Suited For
Travel

Joining Fee
Rs. 5000

Annual Fee
Rs. 5000

Our editors are still brewing the best content for you!

securely on American Express's website

The premium lifestyle card

American Express Gold Charge Card

Card Type
Travel and Rewards

Best Suited For
GIft Vouchers | Travel

Joining Fee
Rs. 4500

Annual Fee
Rs. 4500

Coming Soon!

securely on Axis Bank's website

Best Flight & Hotel Booking Card

Axis Atlas Credit Card

Card Type
Travel and Rewards

Best Suited For
Travel

Joining Fee
Rs. 5000

Annual Fee
Rs. 5000

Our editors are still brewing the best content for you!

Super Premium Credit Cards

securely on HDFC Bank's website

Gateway to premium lifestyle – enriched with exclusive benefits

HDFC Bank Infinia Credit Card Metal Edition

Card Type
Travel and Rewards

Best Suited For
Everything

Joining Fee
Rs. 12500

Annual Fee
Rs. 12500

1-year complimentary Club Marriott membership.
12,500 Reward Points as an introductory benefit.
Unlimited access to airport lounges across the globe for both primary as well as add-on cardholders.
Get 5 Reward Points on every Rs. 150 spent (except fuel transactions) with your HDFC Bank Infinia Card.
24×7 global concierge service.
Unlimited golf games at leading golf destinations in India and abroad.
Low foreign currency markup of 2%.
Dining benefits with the Good Food Trail program.
1+1 complimentary buffet on weekends at participating ITC hotels.
2+1 complimentary night stay at participating ITC hotels.
Spend-based waiver annual membership fee.
Get a 1% fuel surcharge waived at all fuel stations.

Unlimited lounge access at domestic as well as select foreign airports with the card
The card charges a low forex markup fee of 2% which is great for those who make frequent spends in foreign currencies
Unlimited complimentary golf games at premier golf courses in India and across the world

There are not no annual or monthly perks on the Infinia credit card
Earlier there were lifetime-free options but the new metal edition Infinia credit card does not have any lifetime-free benefits

Metallic Card
Complimentary nights & buffet at participating
ITC Hotels complimentary Club Marriott membership for first-year
Unlimited airport lounge access across the globe for Primary and Add-on members
5 Reward Points for every ₹ 150 spent

1-year complimentary Club Marriott membership.
12,500 Reward Points as an introductory benefit.
Unlimited access to airport lounges across the globe for both primary as well as add-on cardholders.
Get 5 Reward Points on every Rs. 150 spent (except fuel transactions) with your HDFC Bank Infinia Card.
24×7 global concierge service.
Unlimited golf games at leading golf destinations in India and abroad.
Low foreign currency markup of 2%.
Dining benefits with the Good Food Trail program.
1+1 complimentary buffet on weekends at participating ITC hotels.
2+1 complimentary night stay at participating ITC hotels.
Spend-based waiver annual membership fee.
Get a 1% fuel surcharge waived at all fuel stations.

Unlimited lounge access at domestic as well as select foreign airports with the card
The card charges a low forex markup fee of 2% which is great for those who make frequent spends in foreign currencies
Unlimited complimentary golf games at premier golf courses in India and across the world

There are not no annual or monthly perks on the Infinia credit card
Earlier there were lifetime-free options but the new metal edition Infinia credit card does not have any lifetime-free benefits

Metallic Card
Complimentary nights & buffet at participating
ITC Hotels complimentary Club Marriott membership for first-year
Unlimited airport lounge access across the globe for Primary and Add-on members
5 Reward Points for every ₹ 150 spent

securely on RBL Bank's website

Standard Chartered Ultimate Credit Card

Card Type
Rewards

Best Suited For
Shopping

Joining Fee
Rs. 0

Annual Fee
Rs. 0

Coming soon!