Cardadda

Independent credit card comparison · India

Compare 24 credit cards, side by side.

Every fee, reward rate and eligibility rule in one place — no lead-gen dressed up as advice. Start with the full grid below and narrow it down as you go.

Last verifiedVerified 4 Sep 2026Issuers covered9 banks · 0 paid placements
24 cards
HDFC Bank

Millennia

Cashback
  • 5% back on Amazon, Flipkart, BookMyShow
  • 1% on every other spend, no exclusions
  • CashPoints never expire
₹1,000 + GSTDetails →
SBI Card

Cashback SBI Card

Cashback
  • Flat 5% on all online spends
  • No merchant list to memorise
  • Fee waived above ₹2L annual spend
₹999 + GSTDetails →
Axis Bank

Ace

Cashback
  • 5% on bill pay via Google Pay
  • 4% on Swiggy, Zomato and Ola
  • Joining fee waived at ₹2L spend
₹499 + GSTDetails →
ICICI Bank

Amazon Pay ICICI

Cashback
  • 5% on Amazon.in for Prime members
  • 2% at Amazon Pay partner merchants
  • Zero joining and annual fee
₹0Details →
HDFC Bank

Regalia Gold

Travel
  • 4 domestic lounge visits per quarter
  • 5X points on weekend dining
  • Travel insurance up to ₹1 crore
₹2,500 + GSTDetails →
Axis Bank

Magnus

Premium
  • 12 international lounge visits a year
  • Points transfer to 20+ airline partners
  • Golf privileges at select courses
₹12,500 + GSTDetails →
IDFC First

First Wealth

Lifetime free
  • Zero joining or annual fee, ever
  • Revolve interest from 9% p.a.
  • Lounge access on ₹20k quarterly spend
₹0Details →
American Express

Platinum Travel

Travel
  • ₹44k travel value at ₹4L spend
  • Lounge access at 12+ Indian airports
  • Best-in-class transfer partners
₹3,500 + GSTDetails →
SBI Card

SimplyClick

Cashback
  • 10X points on 5 online partners
  • ₹2,000 Amazon voucher on joining
  • Fee reversed at ₹1L annual spend
₹499 + GSTDetails →
ICICI Bank

Coral

Rewards
  • 2 reward points per ₹100 spent
  • 1 lounge visit per quarter on ₹35k
  • Buy-one-get-one on BookMyShow
₹500 + GSTDetails →
Axis Bank

Flipkart Axis

Cashback
  • 5% unlimited cashback on Flipkart
  • 4% on Swiggy, PVR and Cleartrip
  • 1.5% on everything else
₹500 + GSTDetails →
HDFC Bank

IndianOil Platinum

Fuel
  • 5% fuel points at IndianOil outlets
  • 1% fuel surcharge waiver
  • Points redeemable for free fuel
₹500 + GSTDetails →

Guides

When the grid isn’t enough

Longer reads for the decisions a tile can’t settle — head-to-heads, eligibility, and how reward points actually convert.

Head to headMillennia vs SBI CashbackTwo 5% cards with opposite rules — which one wins on your actual spending.EligibilityWhat income do issuers really want?Stated minimums against what gets approved, by issuer and card tier.Rewards mathWhat a reward point is worthRedemption rates for the eight largest programmes, in rupees.

How we compare

Fees and reward rates are read from each issuer’s own schedule of charges, re-checked monthly, and dated on every card. Nothing is ranked by commission.

24Cards tracked
MonthlyFee re-verification
₹0Paid placements