Compare credit cards
The headline numbers side by side. Fees exclude 18% GST. Every row links to the full review with the caps, exclusions and the issuer pages we checked on 28 Oct 2026.
| Card | Annual fee | Main earning | Lounge | Forex markup | Network |
|---|---|---|---|---|---|
 Amazon Pay ICICI | Nil (lifetime free) | 5% on Amazon.in for Prime (3% without), 1% elsewhere | None | 1.99% | Visa |
 SBI Cashback | ₹999, waived at ₹2 lakh | 5% online (₹2,000 cap a cycle), 1% offline | None | 3.5% | Visa |
 HDFC Millennia | ₹1,000, waived at ₹1 lakh | 5% on 10 partner apps (1,000 points a month), 1% elsewhere | 1 visit per ₹1 lakh quarter (or a voucher) | 3.5% | Not stated |
 IRCTC HDFC | ₹500, waived at ₹1.5 lakh | 5 points per ₹100 on IRCTC, 1 elsewhere | 8 railway lounge visits a year | 3.5% | RuPay |
 IndusInd EazyDiner | Nil (lifetime free) | Extra 20% off dining via EazyDiner (up to ₹500, 3× a month) | None | 3.5% | Visa / RuPay |
 Axis Neo | ₹250 from year two | Partner discounts: Zomato, Blinkit, Paytm, BookMyShow | None | 3.5% | RuPay / Visa |
 Shoppers Stop HDFC | ₹299, no stated waiver | 3% at Shoppers Stop (as vouchers), 1% elsewhere | None | 3.5% | RuPay |
 Amex MRCCApplications paused | ₹4,500 from year two | 1 point per ₹50 plus monthly bonuses | None | 3.5% | American Express |
 Amex Platinum TravelApplications paused | ₹5,000 every year | 1 point per ₹50 plus milestones at ₹4 lakh and ₹7 lakh | 2 domestic a quarter, spend-based | 3.5% | American Express |