The state of Indian credit cards.
What 629 cards across 37 issuers actually look like — reward types, archetypes, fees and networks. Every number is computed from our card database, not vibes.
629Cards analyzed
37Issuers
₹500Median annual fee
17%Lifetime free
Standouts
The extremes of the market — tap through to the full card.
Best modeled value≈ ₹12,600/yron ₹30k/mo spendAirtel Axis BankAxis Widest lounge access82 loungesmapped airportsBOBCARD PRIME: Guaranteed Credit Card with Zero DocumentationBoB Best lifetime-free2.0% basezero annual feeZET RuPaySBM Bank India Priciest in India₹3,00,000annual feeAmerican Express Centurion (Black Card)Amex
How cards reward you
76% of cards run on points — flexible, but you have to decode redemption to know real value.
Cards by archetype
Our classification of every card into one clear value-prop. Tap a bar to browse that type.
What they cost
Median annual fee is ₹500, but the tail runs to ₹3,00,000. 107 cards carry no annual fee at all.
Networks
Visa dominates, but RuPay’s UPI-linked cards are the fastest-growing slice.