Lifetime free & first card
For someone who spends ₹15,000 a month. Annual fee ₹500 or less, income needed up to ₹6 lakh a year. Tap any card to see its maths.
The numbers
- SAirtel Axisrewards ₹4,920 − fee ₹500₹4,420a year
- SFlipkart Axisrewards ₹4,680 − fee ₹500₹4,180a year
- AAmazon Pay ICICIInvite only · rewards ₹3,600₹3,600a year
- AScapia Axisrewards ₹3,600₹3,600a year
- CSimplyCLICK SBIrewards ₹1,980 · fee waived₹1,980a year
- DIDFC FIRST Millenniarewards ₹1,050₹1,050a year
Not ranked: Swiggy HDFC Bank (Being replaced by the bank), ICICI Coral (ICICI doesn't state a ₹ value per point), Kiwi YES BANK Klick RuPay (on Kiwi) (Rewards are based on UPI payments, not these categories), OneCard One Credit Card (metal) (OneCard doesn't state a ₹ value per point).
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.