Top 10 Credit Cards in India for July 2026

Given below is a list of the top 10 credit cards, along with their detailed features and benefits, to help you find the right option.

1. HDFC Infinia Credit Card

Joining Fee: Rs. 12,500 + Taxes
Annual Fee: Rs. 12,500 + Taxes

HDFC Infinia is an invite-only premium credit card offering one of the highest base reward rates of 3.33%, which goes up to 33.33% on SmartBuy. With 1:1 air mile conversion, savings on ITC hotels, complimentary Club Marriott membership, unlimited lounge visits worldwide and a low forex mark-up fee, the card is stands as an excellent option for travellers and high-spenders. Some of the key benefits of this card are as follows:

• 5 reward points per Rs. 150 spent across retail
• Up to 10X reward points on spends via HDFC Bank’s SmartBuy Platform
• 1 Reward Point = 1 Air Mile or Rs. 1 for flight and hotel bookings via SmartBuy
• Book stay for 3 nights at participating ITC Hotels and pay for 2 nights only
• Complimentary Club Marriott membership for the first year as welcome benefit
• Get 1+1 complimentary buffet at participating ITC Hotels
• Unlimited complimentary golf games per quarter
• Unlimited airport lounge access worldwide for both primary and add-on user
• Low forex mark-up fee of 2%

2. Axis Atlas Credit Card

Joining Fee: Rs. 5,000 + Taxes
Annual Fee: Rs. 5,000 + Taxes

Axis Bank Atlas is one of the most rewarding credit cards for Air Miles and possibly the best credit card for airline-agnostic benefits. Unlike other co-branded cards, this card offers general EDGE Miles which can be redeemed across multiple airlines and hotel loyalty programs. The card works on a tier-based model where cardholders are rewarded based on their spends.

• Welcome benefit of up to 2,500 bonus EDGE Miles
• 5 EDGE Miles per Rs. 100 spent on monthly travel spends of up to Rs. 2 Lakh
• 2 EDGE Miles per Rs. 100 spent on monthly travel spends above Rs. 2 Lakh
• 2 EDGE Miles per Rs. 100 spent across all categories
• Value of 1 EDGE Mile = 2 Partner Points
• Redeem EDGE Miles through the Travel EDGE platform at a ratio of 1:1
• Up to 12 international lounge access in a year*
• Up to 18 domestic lounge access in a year*
• Milestone benefit of up to 5,000 EDGE Miles*

*Subject to annual spends.

3. HDFC Regalia Gold Credit Card

Joining Fee: Rs. 2,500 + Taxes
Annual Fee: Rs. 2,500 + Taxes

HDFC Regalia Gold card is one of the best credit cards for high-spenders as well as frequent travellers. You get accelerated rewards on some popular brands like Nykaa and Myntra, along with a good base reward rate across all other spends. The card also offers rewards on insurance, utilities, and education spends, which are generally excluded from credit card rewards programs. Complimentary membership to Swiggy One and MMT Black Gold Tier add to its benefits.

• 4 reward points per Rs. 150 spent
• 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
• Complimentary Swiggy One, and MMT Black Elite memberships
• Gift voucher worth Rs. 2,500 on payment of joining fee
• Complimentary Priority Pass Membership on completing 4 retail transactions on the card
• Up to 6 complimentary international lounge visits per calendar year
• 12 complimentary domestic lounge visits in a year
• 1,500 vouchers from Marks and Spencer, Reliance Digital, Myntra or Marriott on spending Rs. 1.5 Lakh in a quarter
• Flight vouchers worth Rs. 5,000 on spending Rs. 5 Lakh in a year
• Additional Rs. 5,000 flight voucher on reaching total annual spends of Rs. 7.5 Lakh

4. YES BANK Paisabazaar PaisaSave Credit Card

Joining Fee: Nil
Annual Fee: Rs. 499 + Taxes

YES BANK Paisabazaar PaisaSave Credit Card offers 6% cashback on all dining and travel spends with no merchant restrictions. The value-back is offered in the form of reward points, which can be redeemed through the YES Rewardz platform at a 1:1 ratio, with no redemption charges. Offering decent value across a wide range of dining and travel merchants, this card is an excellent choice for consumers who frequently dine out or travel. Besides this, the card also offers 1% cashback on all other categories and UPI spends.

• 6% Cashback: 12 reward points per Rs. 200 spent on dining & travel, including Swiggy, Zomato, Dineout, MMT, EaseMyTrip, Cleartrip, etc.
• 1% Cashback: 2 reward points per Rs. 200 spent on other categories
• 6% cashback is capped at Rs. 3,000 per month
• Renewal fee waiver on spending Rs. 1.2 Lakh in a year
• 1% fuel surcharge waiver of up to Rs. 250 per month on all fuel transactions worth Rs. 500 to Rs. 3,000

5. Cashback SBI Card

Joining Fee: Nil
Annual Fee: Rs. 999 + Taxes

Cashback SBI Card has long been the top contender for best credit card in India in the cashback category, as it offers 5% cashback across all online spends, with no merchant restrictions. While most shopping credit cards limit the benefits to one or more merchants or spend categories, a card that rewards you for all online spends is truly a must-have. Cardholders can also earn 1% cashback on their offline spends.

• 5% cashback on all online spends without any merchant restrictions
• 1% cashback on all offline spends
• Renewal fee waiver on spending Rs. 2 Lakh in a year
• 1% fuel surcharge waiver of up to Rs. 100 per statement cycle on all fuel transactions worth between Rs. 500 and Rs. 3,000

6. HSBC TravelOne Credit Card

Joining Fee: Rs. 4,999 + Taxes
Annual Fee: Rs. 4,999 + Taxes

HSBC TravelOne Credit Card is an airline-agnostic travel credit card designed for frequent travellers. Cardholders can earn reward points on every spend and redeem them against partner airlines or hotel points at a 1:1 ratio. Besides rewards, cardholders can also save up to 15% on popular travel platforms like EaseMyTrip, Yatra, ClearTrip, and more.

• 12, 8 and 4 reward points on every Rs. 100 spent on hotels bookings, flight bookings and car rentals respectively via HSBC Rewards Marketplace
• 4 reward points on every Rs. 100 spent on flights, travel aggregators, and in foreign currency
• 2 reward points on every Rs. 100 spent on other spending categories
• Cashback worth Rs. 1,000, Postcard Hotels voucher worth Rs. 3,000 and 3 months EazyDiner Prime membership on spending Rs. 10,000 within the 1^st30 days
• 3,000 bonus reward points on spending Rs. 1 Lakh within the 1^st90 days
• 6 complimentary visits to domestic and 4 to international lounges per year
• 4 complimentary golf rounds per year
• 12 complimentary golf lessons per year, capped at 1 per month
• 10,000 bonus reward points on spending more than Rs. 12 Lakh in a year

7. Federal Bank Scapia Credit Card

Joining Fee: Nil
Annual Fee: Nil

Federal Bank Scapia Credit Card is one of the very few lifetime-free travel-focused credit cards in India. Cardholders earn Scapia Coins on their travel spends which they can use on the Scapia App for their future travel bookings and other transactions. The most popular features of the card are its zero forex mark-up and unlimited domestic lounge visits, making it a must-have in every traveller’s wallet. Some of the key feature of the card are listed below:

• 20% Scapia Coins on all travel bookings made on the Scapia app
• 10% Scapia Coins on online and offline transactions worth Rs. 20 or more made across all eligible merchants in India
• 5% rewards on all UPI or RuPay card spends worth Rs. 500 or more with complimentary RuPay Card
• Zero foreign exchange mark-up fee
• Unlimited domestic airport lounge access on spending at least Rs. 20,000 per month
• Up to Rs. 1,000 back as rewards on shopping, dining and spa services at domestic airports on Rs. 20,000 monthly spends
• Up to Rs. 2,000 back as rewards on duty-free shopping and dining at international airport terminals in India on every Rs. 50,000 spent on international flight ticket via Scapia app

8. Axis Bank SELECT Credit Card

Joining Fee: Rs. 3,000 + Taxes
Annual Fee: Rs. 3,000 + Taxes

Axis Bank Select Credit Card is a suitable choice for users seeking all-round benefits around multiple categories like shopping, travel, groceries, and movies. The card offers discounts on select brands and complimentary memberships. But the best part is its reward structure. Unlike most credit cards that offer a base rate on offline shopping and retail spends, this card offers accelerated 2X rewards on such transactions. However, the per-reward value is limited to Rs. 0.2 and 10:1 against reward conversion to airline or hotel loyalty programs- a fairly low value than other similar cards like SBI Card Prime or HDFC Regalia Gold.

• 10 Axis EDGE reward points on every Rs. 200 spent
• 20 Axis EDGE reward points per Rs. 200 spent on retail transactions, applicable on cumulative monthly spends of up to Rs. 20,000
• Flat Rs. 500 off in a month on BigBasket on a minimum transaction value of Rs. 2,500
• 200 off, twice a month on a minimum transaction value of Rs. 1,000 on Swiggy
• Buy 1 get 1 movie ticket of up to Rs. 250 on District app, twice a month
• 10,000 EDGE reward points worth Rs. 2,000 on the first transaction made within 30 days from the date of card issuance
• Complimentary Priority Pass Membership in the 1^styear on making first transaction within 30 days of card issuance
• 6 complimentary international lounge visits per year & additional 6 international lounge visits per year by spending Rs. 3 Lakh or more in that year
• 2 complimentary domestic lounge visits per quarter on spending Rs. 50,000 in the previous quarter
• 6 complimentary golf rounds per year & additional 6 golf visits on spending Rs. 3 Lakh annually

9. Tata Neu Infinity HDFC Bank Credit Card

Joining Fee: Rs. 1,499 + Taxes
Annual Fee: Rs. 1,499 + Taxes

Tata Neu Infinity Credit Card offers 5% value back on partner brands like Air India, Westside, Croma, BigBasket, Titan, Tanishq, Taj Group of Hotels and more. These brands cover several spending categories ranging from high-ticket transactions like jewellery and gadgets to regular spends like grocery and apparel. On other transactions, you get up to 1.5% back as Neu Coins. The card is suitable for consumers who frequently shop at the associated brands and seek benefits on the said brands along with decent earning across other categories.

• 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands such as Air India, Westside, etc.
• 5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends
• 5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
• Additional 5% back as NeuCoins on transactions done on Tata Neu App/website, post downloading Tata Neu App, and registering for Tata NeuPass
• 1,499 NeuCoins on Tata Neu app on making the first transaction within 30 days of card issuance
• 8 complimentary domestic lounge visits every year on spending Rs. 50,000 in the previous quarter
• 4 complimentary international lounge visits every year
• Low forex markup fee of 2%

10. IndianOil RBL Bank XTRA Credit Card

Joining Fee: Rs. 1,500 + Taxes
Annual Fee: Rs. 1,500 + Taxes

IndianOil RBL Bank XTRA Credit Card is the newest addition to the list of Indian Oil’s co-branded credit cards and offers the highest fuel savings of 8.5%. Cardholders also get 3,000 bonus Fuel Points as welcome benefit and can earn 1,000 Fuel Points per quarter on reaching spending milestone of Rs. 75,000. You can consider getting this card if fuel spends make a major portion of your monthly expenses.

• 15 Fuel Points per Rs. 100 spent at IndianOil fuel stations
• 2 Fuel Points per Rs. 100 spent on other purchases
• 1 Fuel Point = Rs. 0.5 on IOCL Petrol Pump/ Petrol voucher
• 3,000 Fuel Points on making the first card transaction of at least Rs. 500 within 30 days of card issuance
• 1,000 Fuel Points on reaching the spending milestone of Rs. 75,000 in a calendar quarter
• 1% fuel surcharge waiver of up to Rs. 200 per month on fuel spends worth Rs. 500 to Rs. 4,000