Rank #1
HDFC · mid
Marriott Bonvoy HDFC
Frequent Marriott guests
Annual fee
₹3.0K
Base rate
2%
Rating
8.3
Your est. annual value
₹72,000
Net ₹72,000/year. Top earn: Lounge access (20 visits)
— Smart Match
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Matched
12 cards
Updating live
approval 70%
Rank #2
Axis · super premium
Axis Magnus for Burgundy
Burgundy Banking customers — best mile-transfer card in India
Annual fee
FREE
Base rate
4.8%
Rating
8.8
Your est. annual value
₹58,920
Net ₹58,920/year. Top earn: travel-edge (25x)
1 recent devaluation
approval 5%
Rank #3
Axis · premium
Axis Atlas
Travel-first users without Burgundy relationship
Annual fee
₹5.0K
Base rate
2%
Rating
8.4
Your est. annual value
₹55,000
Net ₹55,000/year. Top earn: Lounge access (20 visits)
approval 75%
HDFC · entry
HDFC MoneyBack+
First credit card for salaried professionals
Annual fee
₹500
Base rate
2%
Rating
7.5
Your est. annual value
₹54,700
Net ₹54,700/year. Top earn: online (10x)
approval 80%
IDFC · premium
IDFC FIRST Wealth
Premium card seekers who refuse to pay annual fees
Annual fee
FREE
Base rate
1.65%
Rating
9.0
Your est. annual value
₹49,900
Net ₹49,900/year. Top earn: Lounge access (20 visits)
approval 85%
HDFC · mid
HDFC Regalia Gold
Mid-tier travelers who can hit ₹60K/quarter for lounges
Annual fee
₹2.5K
Base rate
1.65%
Rating
7.2
Your est. annual value
₹46,410
Net ₹46,410/year. Top earn: Lounge access (18 visits)
2 recent devaluations
approval 75%
HDFC · mid
Tata Neu Infinity HDFC
Heavy users of Tata ecosystem (BigBasket, Croma, 1mg, Westside)
Annual fee
₹1.5K
Base rate
1.5%
Rating
7.8
Your est. annual value
₹39,901
Net ₹39,901/year. Top earn: Lounge access (12 visits)
approval 80%
AU · premium
AU Bank Zenith Credit Card
AU Bank customers wanting dining + travel rewards
Annual fee
₹5.0K
Base rate
2%
Rating
7.8
Your est. annual value
₹39,002
Net ₹39,002/year. Top earn: Lounge access (16 visits)
approval 60%
HDFC · entry
HDFC Millennia
Online shoppers with ₹40K-1L monthly spend
Annual fee
₹1.0K
Base rate
1%
Rating
8.0
Your est. annual value
₹35,600
Net ₹35,600/year. Top earn: Lounge access (8 visits)
approval 95%
AmEx · mid
American Express Platinum Travel
Steady ₹40K/month spenders — milestone-driven
Annual fee
₹5.0K
Base rate
1%
Rating
8.2
Your est. annual value
₹30,700
Net ₹30,700/year. Top earn: Lounge access (8 visits)
approval 95%
ICICI · premium
ICICI Bank Sapphiro Credit Card
ICICI banking customers wanting premium benefits
Annual fee
₹3.5K
Base rate
2%
Rating
7.3
Your est. annual value
₹29,150
Net ₹29,150/year. Top earn: Lounge access (8 visits)
approval 45%
SBI · mid
SBI ELITE
Mid-premium travelers
Annual fee
₹5.0K
Base rate
0.5%
Rating
7.0
Your est. annual value
₹27,802
Net ₹27,802/year. Top earn: Lounge access (14 visits)
approval 85%