01
00 THE CARD-DECISION DESK
Find the right credit card for YOU.
Tell us how you spend. We'll show you the cards that actually make sense for you.
UPI & everyday Cashback rewards Travel & lounge Business spend
Takes less than a minute to find your starting point.
Updated categories. Clear caveats. Affiliate links disclosed.
Last reviewed05 Sep 2026
Commercial intentAlways disclosed
Decision standardFee · cap · exclusions
START WITH A CLEAR DECISION PATH
Choose a practical guide before you compare offers.
Compare credit-card types in IndiaUse the broad comparison hub to narrow a category by spending, fees, caps, and exclusions.Travel credit-card guideCompare transfer rules, conditional benefits, annual fees, and the trips you expect to take.UPI credit-card guideCheck app and network eligibility, merchant-payment scope, reward exclusions, and security.HSBC Live+ credit-card reviewReview the approved directory record, fee fit, category limits, eligibility, and current issuer source.
Eligibility check ready Enter your monthly spend to check eligibility and modeled card fit.
01 MONTHLY SPEND MATCH
Enter your spends. See the three strongest cashback matches.
Use the editable monthly values from your spreadsheet. The estimate applies the workbook model, then explains category cashback, caps, and exclusions for the three best eligible matches.
Workbook-led decision toolFind your strongest cashback match in a few inputs.
Your saved inputs and the full workbook logic remain available when you open the calculator.
01A RUPAY UPI MATCH
Enter eligible UPI and everyday spend. See your three strongest UPI card matches.
This transparent calculator applies the owner-approved workbook rules for six UPI cards, including stated caps, thresholds, exclusions, and the ₹50,000 editable KIWI credit-limit assumption.
RuPay UPI decision toolCompare eligible UPI rewards, caps and exclusions without the clutter.
Open the full model when you are ready to enter spend, load a profile, or review each card’s value.
01B TRAVEL REWARDS MATCH
Enter travel spend. Compare ten cards, transfer routes and realistic planning value.
Each route applies the reviewed modelled earn rate, cap, transfer treatment and fee logic. The top three results are indicative estimates—not a redemption or approval promise.
Ten-card travel decision toolSee the three strongest travel-card matches for the way you spend.
Open the model to separate travel, bank-portal bookings, named merchant routes, hotel stays, transfer context, caps and assumptions.
01C BUSINESS SPEND MATCH
Enter business spend. See the three strongest modelled matches.
This transparent review model covers BizPower, BizBlack, BizGrow and BizFirst, including their reviewed earn routes, thresholds, caps, fee waivers and non-RuPay boundaries.
Four-card business decision toolCompare eligible business rewards, cap treatment and annual-fee math.
Open the model to separate operating, tax/GST, bills, software, travel, Reliance Digital, EMI and excluded spend.
01 START HERE
What do you spend on most?
Choose a category to open the relevant card group. The matching comparison sheet is pre-selected for the next step.
02 5 TOP CARDS
Start with the strongest final scores.
These are the highest-scoring cards in the current owner-reviewed directory. Use the score as a comparison signal, then read the terms and eligibility before applying.
02
03
04
05
Travel + UPI path
Scapia Co-Branded Credit Card
03 TRENDING CARDS
Cards attracting recent Apply Now interest.
Based on recent anonymous Apply Now link clicks. This is an interest signal, not a count of applications, approvals, or a recommendation.
Collecting enough recent activity. A card appears here only after it receives at least five anonymous Apply Now link clicks in a rolling 14-day window. This avoids presenting unverified or thin activity as popularity.
04 CURRENT OFFERS
Live categories, not stale promises.
Quick categories organized by the spending question they answer. Every connected link carries a clear source, campaign, and content trail.
Offer freshness note: fields are reviewed every 15 days, with a visitor alert after 30 days. Check the current issuer page before acting. Any commission relationship is disclosed on this page.
O01
Cashback path
SBI Cashback Credit Card
• Ideal For: Users seeking straightforward, high-value returns on everyday online spending.
CashbackOnline spend
O02
Cashback path
HSBC Live+ Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
CashbackCategories
O03
Travel path
HSBC TravelOne
• Ideal For: Frequent flyers and hotel users looking to use HSBC TravelOne points, including the Accor ALL hotel transfer route at 1:1.
TravelMilesHotelsAccorALL - Accor Live Limitless
O04
Everyday path
HSBC Platinum Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
EverydayRewards
O05
Travel path
IndusInd Bank Tiger Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
TravelLifetime freeLow forex
O06
UPI path
Tata Neu Plus HDFC Bank Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
UPINeuCoinsRuPay option
O07
Cashback path
Flipkart SBI Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
CashbackFlipkartSBI Card
O08
Travel + UPI path
Scapia Co-Branded Credit Card
Airport Privileges: Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending ₹20,000 every preceding month. Zero joining and annual fees.
TravelZero forexUPI
O09
Travel path
SBI Card MILES
• Ideal For: Frequent flyers looking to maximize reward points and lounge access.
TravelMiles
O10
UPI path
Kredit.Pe YES Bank LTF UPI Credit Card
• Ideal For: Everyday shoppers who want to earn rewards on small UPI transactions.
UPILifetime free
O11
UPI path
KIWI UPI Cashback Credit Card
• Ideal For: Users seeking straightforward, high-value returns on everyday online spending.
UPICashback
O12
Business path
HDFC Bank BizPower Credit Card
• Ideal For: Business owners looking to monetize high-volume operational and vendor expenses.
BusinessSpend
O13
Business path
HDFC Bank BizBlack Credit Card
• Ideal For: Business owners looking to monetize high-volume operational and vendor expenses.
BusinessPremium
O14
UPI path
HDFC Bank UPI RuPay Credit Card
• Ideal For: Everyday shoppers who want to earn rewards on small UPI transactions.
UPIRuPayAdditional card
O15
Cashback path
Flipkart Axis Bank Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
CashbackFlipkartMyntra
O16
Travel path
RBL Bank World Safari Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
Travel0% forexLounge
O17
Travel path
HDFC Bank Regalia Gold Credit Card
• Ideal For: Users seeking travel and hotel rewards, including the Accor ALL transfer route at 2:1, along with SmartBuy benefits.
TravelLoungeSmartBuyHotelsAccor
O18
Premium rewards path
Amex Platinum Reserve
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
Membership RewardsPremium
O19
Cashback path
Axis Cashback Credit Card
• Ideal For: Users seeking straightforward, high-value returns on everyday online spending.
CashbackOnline spend
O20
Travel path
Axis Horizon Credit Card
• Ideal For: Users seeking Axis airline and Travel EDGE rewards; Accor hotel transfers are not available on Axis Horizon.
TravelEDGE Miles
O21
Travel path
HDFC Bank Marriott Bonvoy Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
TravelHotels
O22
UPI path
Axis Neo RuPay Credit Card
• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel.
UPILifetime free
O23
Business path
HDFC Bank BizGrow Credit Card
• Ideal For: Business owners looking to monetize high-volume operational and vendor expenses.
BusinessLower fee
O24
Business path
HDFC Bank BizFirst Credit Card
• Ideal For: Business owners looking to monetize high-volume operational and vendor expenses.
BusinessCashPoints
O25
Travel path
IndusInd Avios Platinum Visa Credit Card
• Ideal For: Frequent flyers looking to maximize reward points and lounge access.
TravelAvios
03A REVIEW DIRECTORY
Explore every card review before you apply.
Each link opens a benefits-backed review with the current fit, fee, cap, eligibility and application context for that specific card.
25 of 25 reviews
04 COMPARISON SHEETS
Compare the category, not just the headline.
Choose a category to see the cards side by side on fee, rewards, eligibility, and fit. All figures carry the same review-date and issuer-verification caveats as the offer directory.
WORKSHEETS / v2.0
Cashback COMPARISON
Cashback map
5 of 5 cards
Saved on this device for your next visit.
SIDE-BY-SIDE VIEW
Compare up to three cards
Select three cards from this sheet to compare their approved fee, rewards, eligibility, and fit notes in one view.
SBI Cashback Credit Card
Cashback · Online spend
- Annual fee
- • Base Fee: ₹999 + taxes • Waiver Condition: Waived on ₹2 lakh annual spend
- Rewards / cap
- • Core Reward: 5% Cashback on eligible online spends; 1% on offline spends • Reward Cap: ₹4,000 total per cycle (Max ₹2,000 from online + Max ₹2,000 from offline)
- Eligibility
- • Salaried: 21 years to 70 years • Self-Employed: 25 years to 70 years • Income (Salaried): Minimum monthly income of ₹30,000 • Self-Employed: Stable annual income with valid tax returns (ITR) • Verify the current issuer eligibility and application criteria before applying.
- Who should not apply
- • Your primary spending is offline. • You prefer guaranteed, fixed reward caps. • You regularly carry a monthly balance (interest negates rewards).
HSBC Live+ Credit Card
Cashback · Categories
- Annual fee
- • Base Fee: ₹999 + taxes • Waiver Condition: Waived on ₹2 Lakh annual spend
- Rewards / cap
- 10% accelerated cashback, up to INR1,200 a month, on dining, food delivery, grocery, shopping and utility spends except Amazon, Flipkar and Myntra; 1.5% unlimited cashback on most other spends (exclusions apply to 1.5% unlimited cashback).
- Eligibility
- Salaried age 18–65 with minimum annual income of ₹6 Lakh Self-employed age 25–65 with minimum annual income of ₹12 Lakh • Resident Indian residing within eligible service-city coverage • Verify the current issuer eligibility and application criteria before applying.
- Who should not apply
- • You live outside eligible HSBC service cities. • Your spending doesn't cover the annual fee break-even point. • You don't spend heavily in dining or groceries.
Axis Cashback Credit Card
Cashback · Online spend
- Annual fee
- • ₹1,000 joining fee and ₹1,000 annual fee;
- Rewards / cap
- • Core Reward: Tiered cashback up to 7% on eligible online spends; 0.75% flat on offline and travel spends; 0.5% on utility bills • Reward Cap: ₹4,000 maximum monthly cap on online spends; ₹100 maximum monthly cap on utilities; offline and travel cashback is completely uncapped
- Eligibility
- • Age: 18 to 70 years for the primary cardholder • Income: Stable salaried or self-employed with a minimum annual income of ₹6,00,000 • Verify the current issuer eligibility and application criteria before applying.
- Who should not apply
- • Your primary spending is offline. • You need a guaranteed, fixed reward cap. • You regularly carry a monthly balance.
Flipkart Axis Bank Credit Card
Cashback · Flipkart · Myntra
- Annual fee
- • Base Fee: ₹500 + taxes • Waiver Condition: Waived on ₹3 annual spend
- Rewards / cap
- • Core Reward: 7.5% on myntra, 5% each on flipkart and cleartrip • Reward Cap: Capped at ₹4,000 per statement quarter per named merchant • 4% on preferred merchants and 1% on other eligible spends are unlimited
- Eligibility
- • Salaried age 18–70 or self-employed age 18–70; resident Indian • Minimum net monthly income of ₹15,000 for salaried or ₹30,000 for self-employed individuals • Verify the current issuer eligibility and application criteria before applying.
- Who should not apply
- • You don't frequently shop with Axis partner merchants. • You regularly carry a monthly balance. • You cannot meet strict documentation checks.
Flipkart SBI Card
Cashback · Flipkart · SBI Card
- Annual fee
- • ₹500 joining fee and ₹500 annual fee, with annual-fee waiver at ₹3.5 lakh annual spend according to the official Flipkart product explainer • Waiver Condition: Waived on ₹3 annual spend
- Rewards / cap
- • 7.5% on Myntra and 5% on Flipkart, Minutes, Groceries, Shopsy, and Cleartrip are capped at ₹4,000 per quarter • 4% preferred-merchant cashback is also capped at ₹4,000 per quarter. Other eligible spend earns 1% without a stated cap
- Eligibility
- • Salaried: 21 years to 70 years • Self-Employed: 25 years to 70 years • Income (Salaried): Minimum monthly income of ₹30,000 • Self-Employed: Stable annual income with valid tax returns (ITR) • Verify the current issuer eligibility and application criteria before applying.
- Who should not apply
- • You rarely shop on Flipkart or Myntra. • You regularly carry a monthly balance. • You need a guaranteed income threshold before applying.
| Card | Annual fee | Rewards / cap | Eligibility snapshot | Action |
|---|---|---|---|---|
| • Base Fee: ₹999 + taxes • Waiver Condition: Waived on ₹2 lakh annual spend | • Core Reward: 5% Cashback on eligible online spends; 1% on offline spends • Reward Cap: ₹4,000 total per cycle (Max ₹2,000 from online + Max ₹2,000 from offline) | • Salaried: 21 years to 70 years • Self-Employed: 25 years to 70 years • Income (Salaried): Minimum monthly income of ₹30,000 • Self-Employed: Stable annual income with valid tax returns (ITR) • Verify the current issuer eligibility and application criteria before applying. | |
| • Base Fee: ₹999 + taxes • Waiver Condition: Waived on ₹2 Lakh annual spend | 10% accelerated cashback, up to INR1,200 a month, on dining, food delivery, grocery, shopping and utility spends except Amazon, Flipkar and Myntra; 1.5% unlimited cashback on most other spends (exclusions apply to 1.5% unlimited cashback). | Salaried age 18–65 with minimum annual income of ₹6 Lakh Self-employed age 25–65 with minimum annual income of ₹12 Lakh • Resident Indian residing within eligible service-city coverage • Verify the current issuer eligibility and application criteria before applying. | |
| • ₹1,000 joining fee and ₹1,000 annual fee; | • Core Reward: Tiered cashback up to 7% on eligible online spends; 0.75% flat on offline and travel spends; 0.5% on utility bills • Reward Cap: ₹4,000 maximum monthly cap on online spends; ₹100 maximum monthly cap on utilities; offline and travel cashback is completely uncapped | • Age: 18 to 70 years for the primary cardholder • Income: Stable salaried or self-employed with a minimum annual income of ₹6,00,000 • Verify the current issuer eligibility and application criteria before applying. | |
| • Base Fee: ₹500 + taxes • Waiver Condition: Waived on ₹3 annual spend | • Core Reward: 7.5% on myntra, 5% each on flipkart and cleartrip • Reward Cap: Capped at ₹4,000 per statement quarter per named merchant • 4% on preferred merchants and 1% on other eligible spends are unlimited | • Salaried age 18–70 or self-employed age 18–70; resident Indian • Minimum net monthly income of ₹15,000 for salaried or ₹30,000 for self-employed individuals • Verify the current issuer eligibility and application criteria before applying. | |
| • ₹500 joining fee and ₹500 annual fee, with annual-fee waiver at ₹3.5 lakh annual spend according to the official Flipkart product explainer • Waiver Condition: Waived on ₹3 annual spend | • 7.5% on Myntra and 5% on Flipkart, Minutes, Groceries, Shopsy, and Cleartrip are capped at ₹4,000 per quarter • 4% preferred-merchant cashback is also capped at ₹4,000 per quarter. Other eligible spend earns 1% without a stated cap | • Salaried: 21 years to 70 years • Self-Employed: 25 years to 70 years • Income (Salaried): Minimum monthly income of ₹30,000 • Self-Employed: Stable annual income with valid tax returns (ITR) • Verify the current issuer eligibility and application criteria before applying. |
Reviewed 05 Sep 2026. Confirm the issuer page, fee schedule, exclusions, and active offer before applying.
05 QUICK GLOSSARY
Know the terms before you compare.
Open only the terms you need while you compare.
06 CREDIT CARD BENEFITS IN INDIA
Compare the benefit with the feature behind it.
Credit card value is not one headline number. It comes from how a card’s features work with your actual spend, its fees, and the issuer’s current rules.
Benefits that fit your spending
Cashback, reward points, travel benefits, and merchant offers can be useful only when their categories, caps, exclusions, and redemption rules match purchases you already make.
Features worth comparing
Before applying, compare the annual fee, milestone conditions, reward cap, earning categories, eligibility requirements, and any exclusions listed by the issuing bank.
Use the application link carefully
Each Apply credit card now button opens the current tracked issuer or partner application link. Recheck the official product page and submit details only on the application page you trust.
Avoid a generic “best” card
A card with a popular benefit may still be unsuitable if the fee, reward limit, or qualifying spend does not work for you. Start with the category, then compare the card.
CreditCardWallah provides general comparison information, not personalised financial advice or any promise of approval, savings, or rewards.
07 FOCUSED GUIDES
Start with the card type, then compare the terms.
Explore a focused guide for cashback, travel, UPI, or business spending before you choose a category or open an issuer application link. Need a broader starting point? Read our Best Credit Cards in India comparison hub.
Cashback credit-card guide
A practical guide to comparing cashback credit card categories, fees, reward caps, exclusions, and current issuer application links in India.
Read the guideTravel credit-card guide
A practical guide to comparing travel credit card features, reward conversion, travel benefits, annual fees, and issuer application links in India.
Read the guideUpi credit-card guide
A practical guide to comparing UPI credit card compatibility, merchant-payment scope, rewards, exclusions, and issuer application links in India.
Read the guideBusiness credit-card guide
A practical guide to comparing business credit card fees, spend categories, documentation, reward caps, and issuer application links in India.
Read the guide08 DISCLOSURE
Useful advice should stay transparent.
Some outbound application links may earn CreditCardWallah a commission if you apply through them. That relationship does not change the standard: compare fees, caps, exclusions, eligibility, and whether the product fits your real spending.
Offers, issuer terms, reward rates, and eligibility can change. Check the current official product page before acting. This page does not promise approval, savings, rewards, or a particular credit outcome.
Important: All details are updated based on information available at the time of review; however, please read all issuer terms and conditions. Offers, benefits, fees, and charges are subject to change. Confirm the latest information directly with the issuing bank before applying for a card. CreditCardWallah is not responsible for inaccuracies, omissions, or changes in issuer information.
Last Updated: 05 Sep 2026 · Information last verified from available issuer sources.
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