INR · +91
Best Credit Cards in India
One of the fastest-growing credit-card markets — over 100M active cards.
The Indian credit-card market
India has crossed 100 million active credit cards (RBI, 2024), making it one of the largest and most competitive card markets in Asia. The ecosystem is dominated by cashback, fuel surcharge waivers, and airport-lounge access via DreamFolks and Priority Pass.
- check_circleOver 100M active cards in circulation
- check_circleStrong cashback and lounge-access culture
- check_circleRuPay network competes with Visa, Mastercard and Amex
- check_circleLifetime-free cards widely available from most major banks
Major issuers
- HDFC Bank
- ICICI Bank
- SBI Card
- Axis Bank
- American Express
- IndusInd Bank
0 Indian cards on Perk.Cards
See all filters →FAQs — Indian credit cards
Which is the best credit card in India?expand_more
It depends on your spend pattern. For premium travel, HDFC Infinia and Axis Magnus are top picks. For cashback, Axis ACE and Amazon Pay ICICI are popular. For fuel, BPCL SBI Octane stands out.
What is a lifetime free credit card?expand_more
A card with no joining fee and no annual fee — ever. Common examples: IDFC FIRST Select, ICICI Amazon Pay, Axis IndianOil Premium.
Do I need a credit score to apply?expand_more
Most prime banks require a CIBIL score of 700+ for entry-level cards and 750+ for premium cards. First-time applicants can start with a secured card against a fixed deposit.