Credit Cards
Cashback, lounge access, fee-waiver, picked for real Indian spending.
Credit card recommendations based on real Indian spending patterns. We model annual spend across categories (groceries, fuel, dining, online) and rank by net-after-fees value. Approval is at issuer's discretion, we never promise approval.
- โNet-of-fees rankings
- โSpend-pattern modeled
- โLounge access verified
- โNo approval promises
People often ask
- best cashback credit card India 2026
- lifetime free credit card with lounge access
- best travel credit card for India
- fuel surcharge waiver credit card
Use the Ask AI button (bottom-right) for a custom recommendation. AI assistant launches soon.
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Frequently asked about credit cards
Will I get approved?
Approval is entirely at the issuer's discretion. Our cards work for typical India salary profiles โน50K+/month with a CIBIL of 700+, but nothing is guaranteed.
Is the joining fee worth it?
For most cards we cover, the welcome benefits + first-year rewards exceed the joining fee. We flag cards where the math only works for specific spending profiles.
How many cards is too many?
2-3 is the sweet spot for most: one daily-spend cashback + one lounge-access travel card + optional one for a specific category (fuel or grocery).