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CardSahayak Financial Intelligence
100% Objective & Independent • Verified Against RBI MITC

Credit Card Directory & Primary Audits

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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Showing 1-12 of 50 verified cards

Axis Bank Visa Metal • Metal 0% Zero Forex
MITC Verified Nov 2026
Axis Bank
METAL

Axis Burgundy Private

•••• •••• •••• 2704

VISA
CardSahayak Score Verified
91 /100
4.5
Min CIBIL 800+ Min ₹3,00,000/mo

Axis Burgundy Private

Axis Bank • Super premium Tier

Our Take: Ultra-exclusive metal card strictly reserved by invitation for Axis Burgundy Private clients with ₹5 Crore Total Relationship Value (TRV), offering zero forex markup and unlimited worldwide lounge access.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
No welcome bonus offered
Rewards Rate
3.0%
Base Rate
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ Strictly by invitation for Axis Burgundy Private clients maintaining ₹5 Crore Total Relationship Value (TRV)
✓ 15 EDGE Reward points per ₹200 spent on all retail transactions
− Strictly invitation-only: Requires ₹5 Crore Total Relationship Value (TRV) with Axis Bank
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
0.00% + GST
0% Zero Forex
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 1.50% - 1.50% p.m.
Interest-Free Period: Up to 50 days
Kotak Mahindra Bank Visa Metal • Metal 0% Zero Forex
MITC Verified Nov 2026
Kotak Mahindra Bank
METAL

Kotak Solitaire

•••• •••• •••• 3668

VISA
CardSahayak Score Verified
90 /100
4.5
Min CIBIL 800+ Min ₹2,50,000/mo

Kotak Solitaire

Kotak Mahindra Bank • Super premium Tier

Our Take: Elite invite-only metal card with 10x travel miles, unlimited lounge, zero forex.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
Complimentary membership for...
Rewards Rate
3.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ Lifetime free for Kotak Solitaire program members
✓ Zero forex markup on all international spends
− Invite-only for Solitaire banking clients (₹75L+ TRV or ₹5L+ monthly salary)
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
0.00% + GST
0% Zero Forex
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 1.99% - 1.99% p.m.
Interest-Free Period: 20 to 48 days
IndusInd Bank Mastercard Premium Lifetime Free
MITC Verified Nov 2026
IndusInd Bank
PREMIUM

IndusInd Pioneer Legacy

•••• •••• •••• 1641

CardSahayak Score Verified
88 /100
4.4
Min CIBIL 750+ Min ₹83,333/mo

IndusInd Pioneer Legacy

IndusInd Bank • Premium Tier

Our Take: Premium Pioneer card with nil annual fee and quarterly lounge access.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹5,000
₹4,000 Welcome Bonus
Rewards Rate
1.0%
Base Rate
Airport Lounges
4 Dom + 8 Intl / yr
1 complimentary domestic airpo...
✓ Zero annual renewal fee (Lifetime Free after joining fee waiver on ₹50k spend in first 90 days)
✓ Discounted foreign transaction markup of only 1.80% + GST
− Requires maintaining an IndusInd Pioneer Wealth / Private Banking relationship
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
1.80% + GST
Lounge Access
4 Dom + 8 Intl / yr
1 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: 3.83% - 3.83% p.m.
Interest-Free Period: Up to 50 days
IDFC FIRST Bank Visa Infinite ★ CS Editor's Choice
MITC Verified Nov 2026
IDFC FIRST Bank
SUPER PREMIUM

IDFC First Wealth

•••• •••• •••• 2389

VISA
CardSahayak Score Verified
87 /100
4.4
Min CIBIL 750+ Min ₹83,333/mo

IDFC First Wealth

IDFC FIRST Bank • Super premium Tier

Our Take: Lifetime Free super-premium card with 1.5% forex markup, 16 domestic + 16 international airport lounge visits/year on ₹20k spend, and monthly golf perks.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
₹500 Welcome Bonus
Rewards Rate
1.5%
Base Rate
Airport Lounges
16 Dom + 16 Intl / yr
4 complimentary domestic airpo...
✓ Lifetime Free luxury credit card with zero annual or renewal fees permanently
✓ Low 1.50% foreign currency transaction markup fee
− Lounge access and golf perks require minimum ₹20,000 spend in preceding calendar month
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
1.50% + GST
Lounge Access
16 Dom + 16 Intl / yr
4 complimentary domestic airpo...
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
IDFC FIRST Bank Visa Visa Signature Lifetime Free
MITC Verified Nov 2026
IDFC FIRST Bank
PREMIUM

IDFC First Select

•••• •••• •••• 4190

VISA
CardSahayak Score Verified
87 /100
4.4
Min CIBIL 750+ Min ₹1,00,000/mo

IDFC First Select

IDFC FIRST Bank • Premium Tier

Our Take: Lifetime Free premium card with low 1.99% forex markup, BOGO movie tickets up to ₹250 twice a month, and domestic airport lounge access on ₹20k monthly spend.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
₹500 Welcome Bonus
Rewards Rate
1.3%
Base Rate
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ Lifetime Free premium credit card with zero joining and annual fees
✓ Low 1.99% foreign currency transaction markup fee
− Domestic airport lounge access requires minimum ₹20,000 spend in preceding calendar month
Estimated Net Value
+₹7,750/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
1.99% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
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
ICICI Bank Mastercard Platinum Lifetime Free
MITC Verified Nov 2026
ICICI Bank
TRAVEL

ICICI MakeMyTrip

•••• •••• •••• 5069

CardSahayak Score Verified
87 /100
4.3
Min CIBIL 700+ Min ₹75,000/mo

ICICI MakeMyTrip

ICICI Bank • Travel Tier

Our Take: Travel co-branded card offering ₹500 My Cash welcome bonus, 1 domestic lounge visit/quarter on ₹75K spend, ₹0 annual renewal fee, and accelerated My Cash on MakeMyTrip bookings.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹500
₹1,000 Welcome Bonus
Rewards Rate
3.0%
Base Rate • Accelerated
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ Welcome gift of ₹500 My Cash + Lemon Tree Hotels voucher worth ₹2,000 on joining fee payment
✓ Zero annual renewal fee — Lifetime Free after one-time ₹500 joining fee
− Domestic lounge access requires ₹75,000 spend in the preceding calendar quarter
Estimated Net Value
+₹13,000/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
₹0 Fee
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
IndusInd Bank Visa World ★ CS Editor's Choice
MITC Verified Nov 2026
IndusInd Bank
METAL

IndusInd Pinnacle

•••• •••• •••• 3829

VISA
CardSahayak Score Verified
87 /100
4.3
Min CIBIL 750+ Min ₹83,333/mo

IndusInd Pinnacle

IndusInd Bank • Super premium Tier

Our Take: Premium card with 2.5X rewards, 1 domestic lounge/quarter (on ₹1.5L spend) and 1 international lounge/quarter via Priority Pass.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹15,000
₹1,500 Welcome Bonus
Rewards Rate
1.0%
Base Rate • Accelerated
Airport Lounges
4 Dom + 4 Intl / yr
1 complimentary domestic airpo...
✓ High reward earning rate of up to 2.5 Reward Points per ₹100 on e-commerce retail transactions
✓ High point redemption value of 1 RP = ₹0.75 for statement cash credit or airline miles
− High one-time joining fee of ₹15,000 + GST
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
3.50% + GST
Lounge Access
4 Dom + 4 Intl / 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: 3.83% - 3.83% p.m.
Interest-Free Period: 20 to 50 days
ICICI Bank Visa Premium Lifetime Free
MITC Verified Nov 2026
ICICI Bank
TRAVEL

ICICI MakeMyTrip Signature

•••• •••• •••• 6990

VISA
CardSahayak Score Verified
86 /100
4.3
Min CIBIL 700+ Min ₹75,000/mo

ICICI MakeMyTrip Signature

ICICI Bank • Travel Tier

Our Take: Premium travel co-branded card offering ₹1,500 My Cash welcome bonus, 2 domestic lounges/quarter on ₹75K spend, 1 international lounge/year, ₹0 annual renewal fee, and MMTBLACK Platinum.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹2,500
₹2,000 Welcome Bonus
Rewards Rate
6.0%
Base Rate • Accelerated
Airport Lounges
8 Dom + 1 Intl / yr
2 complimentary domestic airpo...
✓ Welcome benefits worth over ₹7,000: ₹1,500 My Cash + Lemon Tree Hotels voucher worth ₹2,500 + MMTBLACK Platinum membership
✓ Zero annual renewal fee — Lifetime Free after one-time ₹2,500 joining fee
− ₹2,500 + GST one-time joining fee required
Estimated Net Value
+₹24,000/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 + 1 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: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
ICICI Bank Visa Signature ★ CS Editor's Choice
MITC Verified Nov 2026
ICICI Bank

ICICI Amazon Pay

•••• •••• •••• 2045

VISA
CardSahayak Score Verified
85 /100
4.2
Min CIBIL 750+ Min ₹30,000/mo

ICICI Amazon Pay

ICICI Bank • Cashback Tier

Our Take: India's premier Lifetime Free cashback card offering 5% unlimited cashback on Amazon for Prime members, 3% for non-Prime, 2% on bill payments, and 1% on all other spends with ₹0 fees.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
₹500 Welcome Bonus
Rewards Rate
5%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 100% Lifetime Free with zero joining fee, zero annual renewal fee, and no conditions forever
✓ 5% unlimited cashback on Amazon.in purchases for Amazon Prime members (completely uncapped)
− No complimentary domestic or international airport lounge access provided
Estimated Net Value
+₹15,000/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)
Free (No spend rule)
Redemption Fee
₹0 Fee
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
Axis Bank Rupay Classic Lifetime Free
MITC Verified Nov 2026
Axis Bank

Axis Fibe

•••• •••• •••• 1261

RuPay
CardSahayak Score Verified
84 /100
4.2
Min CIBIL 700+ Min ₹12,000/mo

Axis Fibe

Axis Bank • Cashback Tier

Our Take: Fintech co-brand with 3% cashback and UPI support.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
No welcome bonus offered
Rewards Rate
3%
Flat Cashback
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ Lifetime Free RuPay credit card with zero joining and annual fees
✓ Linkable directly to UPI apps (GPay, PhonePe, Paytm, BHIM) for scan & pay transactions
− Accelerated 3% cashback capped at ₹1,500 per billing cycle
Estimated Net Value
+₹13,000/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
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
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
AU Small Finance Bank Rupay Platinum 0% Zero Forex
MITC Verified Nov 2026
AU Small Finance Bank
TRAVEL

ixigo AU Credit Card

•••• •••• •••• 4129

RuPay
CardSahayak Score Verified
84 /100
4.2
Min CIBIL 700+ Min ₹25,000/mo

ixigo AU Credit Card

AU Small Finance Bank • Travel Tier

Our Take: Lifetime Free co-branded travel card with 0% forex markup, up to 8 domestic lounge visits, and exclusive ixigo booking discounts.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
₹1,250 Welcome Bonus
Rewards Rate
2.0%
Base Rate • Accelerated
Airport Lounges
8 Dom + 1 Intl / yr
Up to 8 complimentary domestic...
✓ 0% Foreign Currency Markup (Zero Forex Markup) on international transactions worldwide
✓ Lifetime Free travel credit card with zero joining and annual fees permanently
− Domestic airport lounge access requires minimum ₹50,000 retail spend in preceding calendar quarter
Estimated Net Value
+₹12,000/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
0.00% + GST
0% Zero Forex
Lounge Access
8 Dom + 1 Intl / yr
Up to 8 complimentary domestic...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Rent, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.49% - 3.75% p.m.
Interest-Free Period: Up to 48 days
Federal Bank Visa Visa Signature Lifetime Free
MITC Verified Nov 2026
Federal Bank
PREMIUM

Federal Bank Celesta Credit Card

•••• •••• •••• 5633

VISA
CardSahayak Score Verified
83 /100
4.2
Min CIBIL 700+ Min ₹35,000/mo

Federal Bank Celesta Credit Card

Federal Bank • Premium Tier

Our Take: Premium Lifetime Free card offering 2.0% forex markup, 2 domestic lounge visits/quarter (on ₹60k spend), and 2 international lounge visits/year.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
₹400 Welcome Bonus
Rewards Rate
2.0%
Base Rate
Airport Lounges
8 Dom + 2 Intl / yr
2 complimentary domestic airpo...
✓ Zero joining fee and zero annual fee (Lifetime Free card)
✓ Preferential 2.00% foreign currency markup on international transactions
− ₹60,000 quarterly spend requirement to unlock domestic lounge visits
Estimated Net Value
+₹14,000/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
2.00% + 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: 0.49% - 3.49% p.m.
Interest-Free Period: 20 to 48 days
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