Tier lists
Every card ranked by one published formula: what it actually pays back, after fees. Tap any card to see its maths.
Cashback & online shopping
Full list →For someone who spends ₹30,000 a month, mostly online
Travel & lounge
Full list →For someone who spends ₹50,000 a month, ₹15,000 of it on travel, and ₹1 lakh a year abroad
Lifetime free & first card
Full list →For someone who spends ₹15,000 a month. Annual fee ₹500 or less, income needed up to ₹6 lakh a year
Premium & super-premium
Full list →For someone who spends ₹1.5 lakh a month, ₹40,000 of it on travel, and ₹3 lakh a year abroad
How we rankThe same formula for every card
Each list imagines one kind of spender. For every card we add up, in ₹ a year:
rewards on that spending, using the same rates and caps as Find my card
− the annual fee, unless that spending waives it
+ forex saved compared with a 3.5% markup, on the list's foreign spending
+ lounge visits unlocked at that spending, at ₹500 each, up to the list's limit
Tiers compare each score with the best card in the list: S is 85% or more of the top score, A 70%, B 55%, C 40%, D below that.
Cards are left out when new applications are paused, when the card is being replaced, or when the bank gives no ₹ value for its points. Welcome gifts and milestone bonuses are not counted. Fees exclude GST.
A new edition comes out every month, so a card moves when its bank changes the rules. ▲ ▼ show moves since last month.