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CardSahayak Financial Intelligence
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Rewards & Lifestyle Cards • Audits & Comparisons

Compare verified credit cards across 33+ Indian banks with real math. Every annual fee waiver, quarterly lounge rule, forex markup, and reward redemption fee unmasked from official Schedule of Charges.

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Active: Category: Rewards

Showing 1-12 of 53 verified cards

HDFC Bank Visa Platinum ★ CS Editor's Choice
MITC Verified Nov 2026
HDFC Bank

HDFC Millennia

•••• •••• •••• 6394

VISA
CardSahayak Score Verified
84 /100
4.2
Min CIBIL 720+ Min ₹35,000/mo

HDFC Millennia

HDFC Bank • Rewards Tier

Our Take: 5% CashBack on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Tata CLiQ, Cult.fit, BMS & Sony LIV (cap 1,000 CP/mo) + 1% on other spends (cap 1,000 CP/mo). Total monthly cashback up to ₹2,000. Choice of 1 domestic lounge voucher or ₹1,000 gift voucher on ₹1L quarterly spend. 1 CP = ₹1. Annual fee ₹1,000 waived on ₹1L spend.
Annual Fee
₹1,000
Waived @ ₹1 Lakh spend/yr
Joining Fee
₹1,000
₹1,000 Welcome Bonus
Rewards Rate
5%
Flat Cashback • Accelerated
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ 5% CashBack on 10 top online partners: Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ & Uber (capped at 1,000 CashPoints/month)
✓ 1% CashBack on all other eligible retail spends and wallet reloads (capped at 1,000 CashPoints/month; 1 CashPoint = ₹1.00 for statement credit)
− Monthly CashPoints capped at 1,000 CP in the 5% partner category and 1,000 CP in the 1% base category (total max 2,000 CP/month)
Estimated Net Value
+₹19,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Axis Bank Visa Premium
MITC Verified Nov 2026
Axis Bank

Axis Horizon

•••• •••• •••• 2678

VISA
CardSahayak Score Verified
84 /100
4.2
Min CIBIL 725+ Min ₹60,000/mo

Axis Horizon

Axis Bank • Rewards Tier

Our Take: Premium card with accelerated rewards and lounge access.
Annual Fee
₹3,000
Waived @ ₹3.5 Lakh spend/yr
Joining Fee
₹3,000
₹5,000 Welcome Bonus
Rewards Rate
2.5%
Base Rate • Accelerated
Airport Lounges
8 Dom + 8 Intl / yr
8 complimentary domestic airpo...
✓ Annual fee waived on spending ₹3.5 lakh/year
✓ Earn up to 5 EDGE Miles per ₹100 on travel spends
− Annual fee of ₹3,000 + GST with ₹3.5 Lakh spend for renewal waiver
Estimated Net Value
+₹15,500/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Dom + 8 Intl / yr
8 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
YES Bank Visa Reserv
MITC Verified Nov 2026
YES Bank

YES BANK RESERV Credit Card

•••• •••• •••• 1939

VISA
CardSahayak Score Verified
84 /100
4.2
Min CIBIL 750+ Min ₹1,20,000/mo

YES BANK RESERV Credit Card

YES Bank • Rewards Tier

Our Take: Premium lifestyle card offering 12 domestic & 3 international lounge visits, reduced 2.75% forex markup, and 3% online subscription rewards.
Annual Fee
₹2,499
Waived @ ₹3 Lakh spend/yr
Joining Fee
₹2,499
₹2,499 Welcome Bonus
Rewards Rate
3.0%
Base Rate
Airport Lounges
12 Dom + 6 Intl / yr
3 complimentary domestic airpo...
✓ 12 complimentary domestic airport lounge visits per year (3 per quarter)
✓ 3 complimentary international airport lounge visits per year via Priority Pass
− ₹1,999 annual fee with ₹3 Lakh waiver requirement
Estimated Net Value
+₹17,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.75% + GST
Lounge Access
12 Dom + 6 Intl / yr
3 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 2.99% - 2.99% p.m.
Interest-Free Period: 20 to 50 days
IndusInd Bank Visa Signature Lifetime Free
MITC Verified Nov 2026
IndusInd Bank

IndusInd Tiger

•••• •••• •••• 4000

VISA
CardSahayak Score Verified
83 /100
4.2
Min CIBIL 720+ Min ₹50,000/mo

IndusInd Tiger

IndusInd Bank • Rewards Tier

Our Take: Cricket-themed card with 2X rewards on weekends
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
No welcome bonus offered
Rewards Rate
1.0%
Base Rate
Airport Lounges
8 Dom + 2 Intl / yr
Domestic: 2 complimentary airp...
✓ 100% Lifetime Free credit card with zero joining fee and zero annual renewal fee
✓ Ultra-low foreign transaction markup fee of only 1.50% + GST on international spends
− Domestic lounge access requires ₹50,000 retail spend in the preceding calendar quarter
Estimated Net Value
+₹11,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.50% + GST
Lounge Access
8 Dom + 2 Intl / yr
Domestic: 2 complimentary airp...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.83% - 3.83% p.m.
Interest-Free Period: 20 to 50 days
ICICI Bank Amex Platinum
MITC Verified Nov 2026
ICICI Bank

ICICI Rubyx American Express

•••• •••• •••• 2766

AMERICAN EXPRESS
CardSahayak Score Verified
83 /100
4.1
Min CIBIL 720+ Min ₹50,000/mo

ICICI Rubyx American Express

ICICI Bank • Rewards Tier

Our Take: Premium mid-tier dual card offering 4 RP per ₹100 on international spends, 2 RP on domestic retail, 2 domestic lounge visits/quarter on ₹75K spend, 2 international lounge visits/year, and BookMyShow movie discounts.
Annual Fee
₹2,000
Waived @ ₹3 Lakh spend/yr
Joining Fee
₹3,000
Shopping and travel welcome...
Rewards Rate
4.0%
Base Rate • Accelerated
Airport Lounges
8 Dom + 2 Intl / yr
2 complimentary domestic airpo...
✓ Welcome gift e-vouchers worth ₹5,000+ on shopping and travel upon payment of joining fee
✓ 4 ICICI Reward Points per ₹100 spent on international transactions; 2 RP per ₹100 on domestic retail
− Joining fee of ₹3,000 + GST and annual renewal fee of ₹2,000 + GST
Estimated Net Value
+₹20,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Dom + 2 Intl / yr
2 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Amex Acceptance & Terms: 95%+ online acceptance across Amazon, Flipkart, Swiggy, Zomato, and MakeMyTrip.
ICICI Bank American Express, Mastercard Platinum
MITC Verified Nov 2026
ICICI Bank

ICICI Rubyx

•••• •••• •••• 1173

AMERICAN EXPRESS
CardSahayak Score Verified
83 /100
4.1
Min CIBIL 720+ Min ₹75,000/mo

ICICI Rubyx

ICICI Bank • Rewards Tier

Our Take: Mid-tier Gemstone card offering 2 domestic lounge visits/quarter on ₹75K spend, 2 railway lounge visits/quarter, 25% off up to ₹150 twice monthly on BookMyShow, and 2 golf rounds/month.
Annual Fee
₹2,000
Waived @ ₹3 Lakh spend/yr
Joining Fee
₹3,000
₹15,000 Welcome Bonus
Rewards Rate
2.0%
Base Rate
Airport Lounges
8 Domestic / yr
2 complimentary domestic airpo...
✓ Welcome shopping and travel vouchers worth ₹5,000+ upon payment of the joining fee
✓ 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) on ₹75,000 quarterly spend
− Joining fee of ₹3,000 + GST and annual renewal fee of ₹2,000 + GST
Estimated Net Value
+₹10,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Domestic / yr
2 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Canara Bank Rupay Select Lifetime Free
MITC Verified Nov 2026
Canara Bank

Canara RuPay Select

•••• •••• •••• 3924

RuPay
CardSahayak Score Verified
83 /100
4.1
Min CIBIL 700+ Min ₹83,333/mo

Canara RuPay Select

Canara Bank • Rewards Tier

Our Take: RuPay Select card with 8 domestic & 2 international lounge visits, Credit-on-UPI functionality, and zero fee on ₹1L annual turnover.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
Complimentary RuPay Select w...
Rewards Rate
5%
Flat Cashback
Airport Lounges
8 Dom + 2 Intl / yr
2 complimentary domestic airpo...
✓ 8 complimentary domestic airport lounge visits per year (2 per quarter)
✓ 2 complimentary international airport lounge visits per year
− ₹300 inactivity fee if annual turnover of ₹1,00,000 is not met
Estimated Net Value
+₹23,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.00% + GST
Lounge Access
8 Dom + 2 Intl / yr
2 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 2.50% - 2.50% p.m.
Interest-Free Period: 20 to 50 days
HDFC Bank Visa, Rupay Infinity ★ CS Editor's Choice
MITC Verified Nov 2026
HDFC Bank

HDFC Tata Neu Infinity

•••• •••• •••• 6317

RuPay
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 720+ Min ₹1,00,000/mo

HDFC Tata Neu Infinity

HDFC Bank • Rewards Tier

Our Take: Flagship Tata co-brand with low 2.0% forex markup, up to 10% NeuCoins on Tata brands (5% card + 5% NeuPass), 5% NeuCoins on Tata Neu UPI (cap 500/mo), 1.5% on other spends, 8 domestic lounge visits (2/quarter on ₹50k spend via digital voucher), and 4 international lounge visits. Annual fee ₹1,499 waived on ₹3L spend.
Annual Fee
₹1,499
Waived @ ₹3 Lakh spend/yr
Joining Fee
₹1,499
₹1,499 Welcome Bonus
Rewards Rate
1.5%
Base Rate • Accelerated
Airport Lounges
8 Dom + 4 Intl / yr
8 complimentary domestic airpo...
✓ Up to 10% NeuCoins (5% card + 5% NeuPass) on Tata Neu app spends (BigBasket, Croma, Air India, Tata 1mg, Taj Hotels, Tata CLiQ)
✓ 1.5% NeuCoins on all non-Tata domestic and international retail spends
− Domestic lounge access requires ₹50,000 spend in the preceding calendar quarter
Estimated Net Value
+₹12,500/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
8 Dom + 4 Intl / yr
8 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.49% - 3.49% p.m.
Interest-Free Period: 20 to 50 days
Bank of Baroda Visa Infinite
MITC Verified Nov 2026
Bank of Baroda

BOBCARD ETERNA Credit Card

•••• •••• •••• 2467

VISA
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 750+ Min ₹1,00,000/mo

BOBCARD ETERNA Credit Card

Bank of Baroda • Rewards Tier

Our Take: Premium lifestyle card offering 3.75% rewards on travel and dining, 2.0% forex markup, unlimited domestic lounge access (on ₹75k spend), and ₹2.5L waiver.
Annual Fee
₹2,499
Waived @ ₹2.5 Lakh spend/yr
Joining Fee
₹2,499
₹48,000 Welcome Bonus
Rewards Rate
3.8%
Base Rate
Airport Lounges
Unlimited Dom
Spend criteria: Minimum ₹75,00...
✓ Outstanding 3.75% reward rate (15 points per ₹100) on travel, dining, and online shopping
✓ Reduced 2.00% foreign currency transaction markup fee
− ₹75,000 quarterly spend requirement to unlock domestic lounge visits
Estimated Net Value
+₹15,250/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom
Spend criteria: Minimum ₹75,00...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
ICICI Bank American Express Coral American Express
MITC Verified Nov 2026
ICICI Bank

ICICI Coral American Express

•••• •••• •••• 1338

AMERICAN EXPRESS
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 700+ Min ₹20,000/mo

ICICI Coral American Express

ICICI Bank • Rewards Tier

Our Take: Amex-powered entry card offering 4 RP per ₹100 on dining & groceries, 1 domestic lounge visit/quarter on ₹75K spend, 1 railway lounge visit/quarter, BookMyShow 25% off, and fee waiver on ₹1.5L.
Annual Fee
₹500
Waived @ ₹1.5 Lakh spend/yr
Joining Fee
₹500
One-time joining fee
Rewards Rate
4.0%
Base Rate • Accelerated
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ 4 ICICI Reward Points per ₹100 spent on dining, groceries, and supermarket purchases via Amex network
✓ 2 ICICI Reward Points per ₹100 spent on all other retail purchases
− Domestic lounge access strictly conditioned on ₹75,000 previous-quarter retail spend
Estimated Net Value
+₹16,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Amex Acceptance & Terms: 95%+ online acceptance across Amazon, Flipkart, Swiggy, Zomato, and MakeMyTrip.
IDFC FIRST Bank Visa Millennia Lifetime Free
MITC Verified Nov 2026
IDFC FIRST Bank

IDFC First Millennia

•••• •••• •••• 2770

VISA
CardSahayak Score Verified
81 /100
4.0
Min CIBIL 700+ Min ₹25,000/mo

IDFC First Millennia

IDFC FIRST Bank • Rewards Tier

Our Take: Lifetime Free card with up to 10X never-expiring rewards, 4 railway lounge visits/quarter on ₹20k spend, and low interest-free ATM cash withdrawals.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
₹500 Welcome Bonus
Rewards Rate
1.0%
Base Rate
Airport Lounges
0 Visits (No Access)
4 complimentary railway lounge...
✓ Lifetime Free credit card with zero joining and zero annual fee permanently
✓ 10X never-expiring reward points on incremental spends above ₹20,000 and birthdays
− No complimentary airport lounge access
Estimated Net Value
+₹3,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
4 complimentary railway lounge...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Utilities
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 0.75% - 3.99% p.m.
Interest-Free Period: Up to 48 days
Punjab National Bank Rupay Platinum
MITC Verified Nov 2026
Punjab National Bank

PNB RuPay Platinum

•••• •••• •••• 2082

RuPay
CardSahayak Score Verified
81 /100
4.0
Min CIBIL 680+ Min ₹20,833/mo

PNB RuPay Platinum

Punjab National Bank • Rewards Tier

Our Take: Accessible RuPay card offering 8 domestic & 2 international lounge visits, Credit-on-UPI, and zero fee on 1 transaction per quarter.
Annual Fee
₹500
Waived if the card is used at least once in each quarter of the preceding year
Joining Fee
₹0 Free
₹300 Welcome Bonus
Rewards Rate
0.5%
Base Rate
Airport Lounges
8 Dom + 2 Intl / yr
2 complimentary domestic airpo...
✓ Zero joining fee (free card issuance)
✓ 8 complimentary domestic airport lounge visits per year (2 per quarter)
− Modest reward rate on everyday transactions
Estimated Net Value
+₹9,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Dom + 2 Intl / yr
2 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 2.95% - 2.95% p.m.
Interest-Free Period: 20 to 50 days
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