5 Best Low Interest Credit Card in April 2026

Given below are some of the best credit cards with low interest rates offering benefits across multiple categories, such as shopping, travel, dining, entertainment and more.

1. IDFC FIRST Wealth Credit Card

Joining/ Annual Fee: Nil
Interest Rate: 0.71% to 3.85% p.m. (8.5% to 46.2% p.a.)

Key Features & Benefits:

• 3X rewards on online & offline spends for spends up to Rs. 20,000 per month
• 10X rewards on incremental spends above Rs. 20,000 per month and on birthday spends
• 1X rewards on utility bill payments and insurance spends
• Gift vouchers worth Rs. 500 and 5% cashback on your first EMI transaction as welcome benefits
• 2 complimentary domestic airport spas & lounges visits per quarter
• 2 complimentary international lounge visits per quarter
• Low forex markup fee of 1.5%
• ‘Buy one, get one’ offer on movie tickets at Paytm mobile app

IDFC FIRST Wealth is a lifetime free credit card offering benefits across multiple categories, including dining, movies, shopping, and more. This credit card can be ideal for individuals looking for an all-rounder credit card and do not want to pay an annual fee. However, cardholders who can spend Rs. 20,000 and above every month can maximize the benefits out of this card.

Suggested Read: Best Zero Forex Markup Credit Cards

2. Axis Bank Burgundy Private Credit Card

Joining/ Annual Fee: Rs. 50,000 + Applicable Taxes (Nil for Burgundy Private Customers)
Interest Rate: 1.5% p.m. (19.56% p.a.)

Key Features & Benefits:

• 15 EDGE Reward points for every Rs. 200 spent
• Zero forex markup fee on international transactions
• Complimentary Priority Pass membership for primary and add-on members
• Unlimited lounge access at international and domestic airports with 12 free guest visits each
• Complimentary Club Marriott, Accor Plus and Taj Epicure memberships
• Exclusive benefits at Postcard Hotels, Oberoi & Trident Hotels
• 50 complimentary golf rounds every year at some of leading golf courses

Axis Bank Burgundy Private Credit Card is a super premium card best suited for high-net-worth individuals. The card is offered at no joining or annual fees to Burgundy Private customers. Premium benefits like complimentary memberships, unlimited lounge visits, and a zero forex markup fee make this card a suitable choice for frequent travellers. Overall, this card is a suitable option for consumers who are seeking a card with luxury travel and lifestyle benefits.

Suggested Read: Credit Cards with No Annual Fee

3. HDFC Infinia Credit Card

Joining/ Annual Fee: Rs. 12,500 + Applicable Taxes
Interest Rate: 1.99% p.m. (23.88% p.a.)

Key Features & Benefits:

• 5 reward points per Rs. 150 spent
• Up to 10X reward points on travel and shopping spends made via HDFC Bank’s SmartBuy Platform
• Unlimited domestic lounge access for primary and add-on cardholders
• Unlimited international lounge access via Priority Pass for primary and add-on cardholders
• Exclusive hotel and dining benefits with ITC Hotels
• Complimentary Club Marriott membership for the first year as a welcome benefit
• Low forex markup fee of 2%
• Unlimited complimentary golf games at participating golf courses in India and abroad

HDFC Infinia Credit Card Metal Edition is a super premium invite-only credit card that is offered to select customers of HDFC Bank. This credit card is best suited for consumers looking for an option to avail benefits across multiple categories, be it travel, shopping, dining, or lifestyle. High spenders who frequently travel can make the most out of the rewards program by earning up to 10X reward points on travel spends through SmartBuy and redeeming those points at a 1:1 ratio for Airmiles and travel bookings.

4. HDFC Diners Club Black Credit Card

Joining/ Annual Fee: Rs. 10,000 + Applicable Taxes
Interest Rate: 1.99% p.m. (23.88% p.a.)

Key Features & Benefits:

• 5 reward points per Rs. 150 spent
• Up to 10X reward points on spends at HDFC Bank’s SmartBuy portal
• Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One on spending Rs. 1.5 Lakh within the first 90 days or upon first-year fee realization
• 2 monthly vouchers from cult. fit Live 1-month membership or BookMyShow or TataCLiQ or Ola vouchers worth Rs. 500, every month on spending Rs. 80,000
• Unlimited airport lounge access worldwide for both primary and add-on user
• Low forex markup fee of 2%
• 6 complimentary golf games per quarter across the finest courses in the world

HDFC Diners Club Black Credit Card offers benefits across multiple categories, including travel, shopping, rewards, dining, and golf. Similar to Infinia, this credit card offers a reward rate of up to 33% on SmartBuy spends and 3.33% on other spends, making it a suitable option for high spenders. Additionally, benefits like unlimited lounge visits, complimentary memberships and a low forex markup fee make it a suitable option for frequent travellers.

5. Axis Magnus Credit Card

Joining/ Annual Fee: Rs. 12,500 + Applicable Taxes
Interest Rate: 3.0% p.m. (42.58% p.a.)

Key Features & Benefits:

• 12 EDGE reward points on every Rs. 200 spent on cumulative monthly spends of up to Rs. 1.5 Lakh
• 35 EDGE reward points per Rs. 200 spent above cumulative monthly spends of Rs. 1.5 Lakh
• 60 EDGE reward points per Rs. 200 spent on Travel EDGE portal up to cumulative monthly spends of Rs. 2 Lakh
• 35 EDGE reward points per Rs. 200 spent on Travel EDGE portal above monthly spends of Rs. 2 Lakh
• Low forex markup fee of 2%
• Unlimited complimentary international lounge visits with Priority Pass
• Unlimited complimentary domestic lounge visits on spending Rs. 50,000 in the previous three months
• Exclusive offers at international Oberoi & Trident hotels

Axis Magnus Credit Card offers up to 5X reward points on travel spends along with benefits across various categories, such as shopping, entertainment, dining, and more. Cardholders can redeem the accumulated reward points against partner airlines and hotel loyalty points at a 5:2 ratio, making it a preferable option for frequent travellers. Also, premium benefits like a low forex markup fee, unlimited lounge visits along with additional guest visits, and exclusive hotel benefits enhance the overall value for high-end travellers.

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