Credit Cards listed on Truely Money

1. 811 #DreamDifferent Credit Card (Kotak Mahindra Bank): no joining fee · no annual fee · base reward 0.2% of spend · forex markup 3.5%. A lifetime-free, FD-backed credit card perfect for beginners to build credit via UPI without income proof. Perks: Interest-free cash withdrawals for up to 48 days; 1% fuel surcharge waiver up to ₹3,500 per year; 1.8% to 2.5% railway surcharge waiver up to ₹500 per year.
2. ACE Credit Card (YES Bank): joining fee ₹499 · annual fee ₹499, waived on ₹50,000 yearly spend · base reward 0.5% of spend · forex markup 2.75% · income guide ₹3,00,000 a year. An entry-level rewards card offering 1% back on online shopping and optional subscription plans to boost reward rates. Perks: 4X Rewards on Online Shopping; Optional Rewards Subscription Plans to boost points up to 5X; Buy 1 Get 1 Free on Coffee at select malls.
3. Adani One Signature Credit Card (ICICI Bank): joining fee ₹5,000 · annual fee ₹5,000, waived on ₹6,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 16 domestic, 2 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium travel and lifestyle credit card offering exceptional airport privileges and highly rewarding value across the Adani ecosystem. Perks: Welcome vouchers worth ₹9,000 including a flight and hotel voucher; Earn 7% Adani Reward Points on Adani One ecosystem spends; 16 complimentary domestic airport lounge visits per year (spend-based).
4. Air India SBI Platinum Card (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499 · base reward 1% of spend · lounge visits per year: 8 domestic · forex markup 3.5%. A starter co-branded travel card for frequent Air India flyers looking to accumulate Flying Returns miles on everyday spends. Perks: 3,000 Reward Points on joining and card renewal; Up to 15 Reward Points per ₹100 spent on Air India tickets; Convert Reward Points to Air India Flying Returns Miles (1:1 ratio).
5. Air India SBI Signature Card (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999 · base reward 4% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹12,00,000 a year · credit score 750+. A premium travel card offering high reward rates on Air India bookings and up to 1,00,000 bonus miles on annual milestone spends. Perks: 20,000 Reward Points as welcome gift upon payment of joining fee; 5,000 Reward Points annually upon renewal fee payment; Up to 30 Reward Points per ₹100 spent on Air India tickets (official site/app).
6. Airtel Axis Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹2,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. An exceptionally rewarding co-branded card for Airtel users, offering high cashback rates on telecommunications, utility bills, and food delivery. Perks: 25% cashback on Airtel Mobile, Broadband, Wi-Fi, and DTH via Airtel Thanks App; 10% cashback on utility bill payments via the Airtel Thanks App; 10% cashback on Swiggy, Zomato, and BigBasket.
7. Altura Plus Credit Card (AU Small Finance Bank): joining fee ₹499 · annual fee ₹499, waived on ₹60,000 yearly spend · base reward 0.5% of spend · forex markup 3.49% · income guide ₹3,00,000 a year · credit score 720+. An entry-level rewards credit card designed for everyday online shopping and grocery spending with an easy fee waiver. Perks: 1.5% cashback/reward rate on online spends and departmental store purchases; 1% fuel surcharge waiver across all petrol pumps in India (on transactions between ₹400 and ₹5,000); 2 complimentary railway lounge access visits per calendar quarter.
8. Amazon Pay ICICI Bank Credit Card: no joining fee · no annual fee · base reward 1% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 720+. A lifetime free card offering direct cashback as Amazon Pay balance, ideal for heavy Amazon shoppers. Perks: Lifetime free with no joining or annual fees; 1% fuel surcharge waiver at all petrol pumps; No Cost EMI on Amazon.in for 3 or 6 months.
9. American Express Gold Card: joining fee ₹1,000 · annual fee ₹4,500 · base reward 0.5% of spend · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 700+. A prestigious charge card designed for consistent monthly spenders to maximize returns through exclusive 18K and 24K Gold Collection redemptions. Perks: Earn 1,000 bonus MR points on 6 transactions of ₹1,000 each every calendar month; No pre-set spending limit (dynamic credit support based on spending pattern and history); Up to 20% off at partner restaurants.
10. American Express Platinum Card: joining fee ₹66,000 · annual fee ₹66,000 · base reward 0.63% of spend · forex markup 3.5% · income guide ₹15,00,000 a year · credit score 750+. A super-premium charge card offering unmatched luxury travel perks, elite hotel statuses, and limitless lounge access for high-net-worth individuals. Perks: Unlimited worldwide lounge access via Amex Global Lounge Collection; Complimentary elite status with Marriott Bonvoy, Hilton Honors, Radisson Rewards, and Taj Epicure; Vouchers worth up to ₹60,000 as a welcome gift.
11. American Express SmartEarn Credit Card: joining fee ₹495 · annual fee ₹495, waived on ₹40,000 yearly spend · base reward 0.5% of spend · forex markup 3.5% · income guide ₹4,50,000 a year · credit score 700+. An entry-level American Express card that offers accelerated rewards on select online merchants and easy fee waivers. Perks: ₹500 cashback as welcome gift on spending ₹10,000 in first 90 days; 10X and 5X Membership Rewards Points on partner platforms (Zomato, Flipkart, Amazon, Uber etc.); Zero lost card liability.
12. AmpliFi Fi-Federal Credit Card (Federal Bank): joining fee ₹2,000 · annual fee ₹2,000, waived on ₹2,50,000 yearly spend · base reward 0.2% of spend · lounge visits per year: 4 domestic · income guide ₹6,00,000 a year · credit score 720+. A lifestyle co-branded credit card offering zero forex markup and 3% value-back on 20+ popular partner brands. Perks: 3% value-back on 20+ top partner brands (Amazon, Flipkart, Swiggy, Myntra, Uber, etc.) on monthly spends of ₹15,000 or more; Zero forex mark-up fee for international transactions; Complimentary domestic airport lounge access (spend-based).
13. Apollo SBI Card SELECT (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. A premium health and lifestyle card offering 10% returns on Apollo ecosystem spends. Perks: Welcome Apollo 24|7 e-Gift Voucher worth ₹1,500 on fee payment; 1-year complimentary FITPASS PRO Membership; 10 Reward Points (worth ₹10) per ₹100 spent on Apollo 24|7 and Apollo Pharmacy.
14. Ashva Credit Card (IDFC FIRST Bank): joining fee ₹2,999 · annual fee ₹2,999 · base reward 0.83% of spend · lounge visits per year: 16 domestic, 8 international · forex markup 1% · credit score 750+. A premium metal credit card offering low 1% forex markup, global lounge access, and tiered rewards up to 10X. Perks: Exquisite metal card design; Low foreign exchange markup fee of just 1%; Up to 16 domestic airport lounge visits per year (4 per quarter).
15. AU LIT Credit Card (AU Small Finance Bank): no joining fee · no annual fee · base reward 0.25% of spend · forex markup 3.49% · income guide ₹3,00,000 a year · credit score 700+. India's first customizable credit card that lets you pay only for the reward categories and benefits you actually use. Perks: Fully customizable reward structure via the AU 0101 app.; Base card is lifetime free with no standard annual fee.; Optional 90-day feature packs for 10X rewards, 5% cashback, and OTT subscriptions..
16. AU Zenith Credit Card (AU Small Finance Bank): joining fee ₹7,999 · annual fee ₹7,999, waived on ₹5,00,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 8 domestic, 8 international · forex markup 1.99%. A premium travel and rewards credit card offering accelerated earnings on dining and groceries alongside a low forex markup. Perks: Up to 5 Reward Points per ₹100 on dining, groceries, and international spends (1.25% value-back); 2 domestic airport lounge access per quarter (subject to ₹20,000 retail spend in the preceding quarter); 2 international airport lounge access per quarter via Priority Pass.
17. Avios Visa Infinite Credit Card (IndusInd Bank): joining fee ₹10,000 · annual fee ₹5,000 · base reward 0.3% of spend · lounge visits per year: 8 domestic, 8 international · forex markup 3.5% · income guide ₹2,40,000 a year. A premium travel card offering flexible Avios earning with Qatar Airways or British Airways, plus unique benefits like international meet-and-greet. Perks: Welcome benefit of 20,000 bonus Avios and Gold membership with Qatar Airways (or BA Executive Club); 2 complimentary International meet-and-greet services per year; 10% discount on flight bookings on Qatar Airways.
18. Axis Bank Ace Credit Card: joining fee ₹499 · annual fee ₹499, waived on ₹2,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 700+. An entry-level cashback card offering high rewards on utility bills via Google Pay and food delivery. Perks: 5% cashback on utility bills and recharges via Google Pay (capped at ₹500/month combined with 4% category); 4% cashback on Swiggy, Zomato, and Ola (capped at ₹500/month combined with 5% category); 1.5% unlimited base cashback on all other eligible spends.
19. Axis Bank Atlas Credit Card: joining fee ₹5,000 · annual fee ₹5,000, waived on ₹15,00,000 yearly spend · base reward 2% of spend · lounge visits per year: 16 domestic, 4 international · forex markup 2% · income guide ₹18,00,000 a year · credit score 750+. A premium travel credit card offering accelerated rewards on travel bookings, milestone bonuses, and complimentary lounge access. Perks: 5,000 EDGE Miles welcome benefit; Up to 16 domestic and 4 international airport lounge visits per year; Low 2% forex markup fee.
20. Axis Bank Kwik Credit Card: no joining fee · no annual fee · base reward 0.2% of spend · forex markup 3.5%. A lifetime free virtual RuPay credit card designed for seamless UPI payments and everyday reward points. Perks: Lifetime free virtual credit card; Linkable to UPI apps for direct merchant QR payments; 1% fuel surcharge waiver up to ₹150 per month.
21. Axis Bank Neo Credit Card: joining fee ₹250 · annual fee ₹250, waived on ₹25,000 yearly spend · base reward 0.1% of spend · forex markup 3.5%. An entry-level credit card designed for everyday online shoppers with partner discounts on popular e-commerce platforms. Perks: Welcome benefits worth up to ₹300 including partner vouchers; Discounts on online shopping and food delivery partners like Zomato, Myntra, and Blinkit; 1% fuel surcharge waiver across all fuel stations in India.
22. Axis Bank Olympus Credit Card: joining fee ₹20,000 · annual fee ₹20,000, waived on ₹15,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 8 domestic, 8 international · forex markup 1.5%. An ultra-premium credit card designed for high-net-worth individuals offering luxury travel, lifestyle, and reward benefits. Perks: Complimentary domestic and international airport lounge access; Exclusive luxury brand vouchers and welcome benefits; Dedicated concierge services.
23. Axis Bank Pride Signature Credit Card: no joining fee · annual fee ₹500, waived on ₹40,000 yearly spend · base reward 0.8% of spend · lounge visits per year: 8 domestic · forex markup 3.5%. An entry-level rewards card tailored exclusively for Indian Defence personnel and Government of India employees, offering basic lounge access and dining discounts. Perks: Personalised card with shades of the Indian Tricolour and a 4th embossing line for serving the nation; 2 complimentary domestic airport lounge visits per calendar quarter; 15% discount (up to ₹500) at partner restaurants via Axis Bank Dining Delights.
24. Axis Bank Reserve Credit Card: joining fee ₹50,000 · annual fee ₹10,000 · base reward 0.2% of spend · lounge visits per year: 999 domestic, 999 international · forex markup 1.5%. An ultra-luxury metal credit card designed for high-net-worth individuals offering unmatched travel, dining, and lifestyle privileges. Perks: Unlimited domestic and international airport lounge access for primary and supplementary cardholders; Complimentary Club Vistara Gold tier and ITC Culinaire memberships; Buy One Get One (BOGO) offer on movie and non-movie events via BookMyShow.
25. Bank of Maharashtra SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5%. An entry-level co-branded credit card offering accelerated rewards on everyday spending like groceries, dining, and movies. Perks: 2,000 Bonus Reward Points worth ₹500 on spending ₹2,000 in first 60 days; 10X Reward Points on Dining, Movies, Departmental Stores and Grocery; 1% Fuel Surcharge waiver across all petrol pumps.
26. BizBlack Metal Edition (HDFC Bank): joining fee ₹10,000 · annual fee ₹10,000, waived on ₹7,50,000 yearly spend · base reward 3.33% of spend · forex markup 2% · income guide ₹30,00,000 a year. A super-premium business credit card offering unlimited lounge access, flexible 5X business rewards, and lucrative milestone vouchers for self-employed professionals. Perks: Unlimited complimentary domestic and international lounge access for primary and add-on cardholders; 3.33% base reward rate with up to 16.67% accelerated 5X rewards on select business spends; Club Marriott Membership and ₹5,000 Taj voucher as welcome benefit.
27. BizPower (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹4,00,000 yearly spend · base reward 1.63% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 2% · income guide ₹12,00,000 a year. A premium business credit card offering 5X rewards on tax payments, GST, and business expenses, alongside quarterly milestone vouchers. Perks: 5X Reward Points on Income Tax, GST, PayZapp bills, and MMT MyBiz travel bookings; ₹5,000 MakeMyTrip or Reliance Digital Voucher on quarterly spends of ₹2.5 Lakhs; Amazon Prime Annual Membership or ₹1,500 Amazon Voucher as welcome benefit.
28. BOBCARD Aspire: no joining fee · no annual fee. Card does not exist in BOBCARD's current portfolio.
29. BOBCARD Easy: joining fee ₹500 · annual fee ₹500, waived on ₹35,000 yearly spend · base reward 0.2% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 700+. An entry-level, UPI-enabled rewards credit card offering accelerated points on groceries and movies. Perks: 1% fuel surcharge waiver (up to ₹250 per month); 0.5% cashback on prompt credit card bill payments; Up to 3 lifetime free add-on cards for family members.
30. BOBCARD Eterna (Bank of Baroda): joining fee ₹2,499 · annual fee ₹2,499, waived on ₹2,50,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 2 international · forex markup 2% · income guide ₹12,00,000 a year · credit score 750+. A premium BOBCARD offering unlimited conditional domestic lounge access and accelerated rewards on travel, dining, and online spends. Perks: Unlimited domestic lounge access, conditional on ₹40,000 spend in the previous calendar quarter; 2 complimentary international lounge visits per year; Complimentary 12-month FitPass Pro membership (worth ₹15,000) as a welcome gift.
31. BOBCARD PRIME Credit Card (Bank of Baroda): no joining fee · no annual fee · base reward 0.4% of spend · forex markup 3.5%. A lifetime-free, secured card issued against a fixed deposit, ideal for beginners building their credit score. Perks: Guaranteed issuance against Fixed Deposit without income or credit history proof; 1% fuel surcharge waiver across all fuel stations in India; Up to 3 lifetime free add-on cards for family members.
32. BOBCARD Select (Bank of Baroda): joining fee ₹750 · annual fee ₹750, waived on ₹70,000 yearly spend · base reward 0.2% of spend · forex markup 3.5% · income guide ₹4,80,000 a year · credit score 750+. An entry-level BOBCARD with a low annual fee, waivable at ₹70,000 yearly spend, offering accelerated rewards on online shopping and dining. Perks: 500 welcome reward points (max 1,000/statement cycle) on ₹5,000 spend within 60 days of issuance; 1% fuel surcharge waiver, capped at ₹250 per statement, on ₹400-₹5,000 transactions; Up to 10x extra reward points on flight/hotel bookings made via BOBCARD SmartDeal (platform-restricted, not a general travel rate).
33. BPCL SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.25% of spend · forex markup 3.5%. An entry-level fuel credit card offering solid value back at BPCL pumps and accelerated points on everyday spends. Perks: 2,000 bonus reward points worth ₹500 as a welcome gift; 4.25% value back on BPCL fuel purchases (3.25% in points + 1% surcharge waiver); 5X Reward Points on Dining, Departmental Stores, Grocery, and Movies.
34. BPCL SBI Card OCTANE (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹2,00,000 yearly spend · base reward 0.25% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. A high-reward fuel card offering premium value back at BPCL pumps and accelerated points on everyday spending. Perks: 6,000 bonus reward points worth ₹1,500 as a welcome gift; 7.25% value back on BPCL fuel purchases (6.25% in points + 1% surcharge waiver); 4 complimentary domestic VISA lounge visits per calendar year (max 1 per quarter).
35. Business MoneyBack Credit Card (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.27% of spend · forex markup 3.5% · income guide ₹6,00,000 a year. An entry-level business credit card offering accelerated rewards on online spends and easily achievable fee waivers. Perks: 50 days interest-free credit period for vendor, supplier bills, and GST payments; 1% fuel surcharge waiver (max ₹250 per month); Up to 20% discount on dining via Swiggy Dineout.
36. Business Regalia Credit Card (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹3,00,000 yearly spend · base reward 1.33% of spend · lounge visits per year: 12 domestic, 6 international · forex markup 2% · income guide ₹12,00,000 a year · credit score 750+. A premium travel and lifestyle card for self-employed professionals featuring milestone bonus points and a low forex markup. Perks: 12 complimentary domestic lounge visits per year; 6 complimentary Priority Pass international lounge visits per year; Comprehensive travel, flight delay, and liability insurance.
37. Canara Bank RuPay Platinum Credit Card: no joining fee · no annual fee · base reward 0.5% of spend · lounge visits per year: 8 domestic, 2 international · forex markup 3% · income guide ₹1,00,000 a year. An entry-level lifetime free RuPay card offering excellent domestic and international lounge access with solid insurance benefits. Perks: Lifetime free card with zero joining and annual fees; 2 complimentary domestic airport lounge visits per quarter; 2 complimentary international airport lounge visits per year.
38. Canara Bank RuPay Select Credit Card: no joining fee · annual fee ₹1,000, waived on ₹1,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 2 international · forex markup 2.5%. A reliable public-sector premium card ideal for unlocking RuPay Select network benefits like lounge access and wellness perks with a modest annual spend. Perks: Complimentary SPA sessions, gym access, and health checkups via RuPay Select; 24x7 Concierge Services; Comprehensive insurance cover up to ₹10 Lakhs.
39. CASHBACK SBI Card (State Bank of India): joining fee ₹999 · annual fee ₹999, waived on ₹2,00,000 yearly spend · base reward 1% of spend · forex markup 3.5%. A straightforward cashback card ideal for heavy online shoppers. Perks: 5% cashback on online spends with a ₹2,000 monthly cap; 1% cashback on offline spends with a ₹2,000 monthly cap; 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.
40. Chennai Super Kings Credit Card (ICICI Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. A must-have credit card for Chennai Super Kings fans offering exclusive team merchandise, match tickets, and match-day rewards. Perks: Welcome and renewal benefit of 2,000 Reward Points; Earn 10 Reward Points on retail spends on CSK match days; 1 complimentary domestic airport lounge access per quarter (spend-based).