Data-first ranking
Top 100 cards, ranked by net annual value.
Tune the spend model, pick a use case, and watch the leaderboard recompute. Every rank is math, not marketing.
24Cards ranked
₹30k/moSpend model
LikelyValue model
BalancedUse case
Federal Bank
02Scapia Federal Bank Credit Card
Value₹2,786/yr
BoB
03BoB Eterna
Value₹1,976/yr
HDFC
Tata Neu Infinity
Value₹6,653/yr
RankCardValueReturnFee
01
Scapia Federal Bank Credit CardFederal Bank · Visa · International travelers who want a no-fee travel card
Points48 lounge
₹2,786/yr
0.77%
₹0
→
02
BoB EternaBoB · MasterCard · Frequent Travelers
Points19 lounge
₹1,976/yr
0.55%
₹2,499
→
03
Tata Neu InfinityHDFC · RuPay · UPI Payments & Tata Users
Points17 lounge
₹6,653/yr
1.85%
₹1,499
→
04
IndusInd Bank Tiger Credit CardIndusInd · Visa · Zero Forex and Movie Offers
Points40 lounge
₹906/yr
0.25%
₹0
→
05
Amazon Pay ICICIICICI · Visa · Amazon Loyalists
Cashback
₹5,468/yr
1.52%
₹0
→
06
Axis Bank Horizon Credit CardAxis · Visa · Frequent Flyers & Miles
Miles20 lounge
₹-837/yr
-0.23%
₹3,000
→
07
SBI SimplySAVESBI · Visa · Everyday Essentials
Points
₹1,100/yr
0.31%
₹499
→
08
HDFC MoneyBack+HDFC · Visa · Beginners & Online Shopping
Points
₹738/yr
0.21%
₹500
→
09
SBI SimplyCLICKSBI · Visa · Online Shopping Beginners
Points
₹143/yr
0.04%
₹499
→
10
Uni GoldX Credit CardYES / BOB · RuPay · Forex & Gold Investing
Gold
₹500/yr
0.14%
₹0
→
11
Axis Bank Vistara Credit Card (Platinum)Axis · Visa · Users wanting a lower-fee Axis co-branded Maharaja Points card for domestic travel patterns
Miles
₹-419/yr
-0.12%
₹1,500
→
12
MakeMyTrip ICICI Bank Credit CardICICI · Visa · MakeMyTrip-Focused Domestic Travelers
Cashback75 lounge
₹6,035/yr
1.68%
₹500
→
13
Adani One ICICI Bank Credit CardsICICI · Visa · Travel & lounge access
Cashback75 lounge
₹1,400/yr
0.39%
₹0
→
14
BOBCARD PRIME: Guaranteed Credit Card with Zero DocumentationBoB · RuPay · Travel & lounge access
Cashback82 lounge
₹1,400/yr
0.39%
₹0
→
15
DBS Bank SuperCardDBS Bank · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
16
EazyDiner IndusInd Bank Signature Credit CardIndusInd · Visa · Travel & lounge access
Cashback40 lounge
₹1,400/yr
0.39%
₹0
→
17
EazyDiner IndusInd Platinum Credit CardIndusInd · Visa · Travel & lounge access
Cashback40 lounge
₹1,400/yr
0.39%
₹0
→
18
Landmark Rewards SBI CardSBI · Visa · Travel & lounge access
Cashback30 lounge
₹1,400/yr
0.39%
₹0
→
19
MakeMyTrip ICICI Bank Signature Credit Card – For Premium Travel BenefitsICICI · Visa · Travel & lounge access
Cashback75 lounge
₹1,400/yr
0.39%
₹0
→
20
PhonePe SBI Card SELECT BLACKSBI · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
21
RBL NOVA Credit CardRBL · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
22
YES Private Credit CardYes Bank · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
23
IDFC FIRST SelectIDFC · Visa · Movies & Lounge (Free)
Points39 lounge
₹950/yr
0.26%
₹0
→
24
IDFC FIRST WealthIDFC · Visa · Premium Users seeking LTF
Points39 lounge
₹950/yr
0.26%
₹0
→
Showing 24 of 24 cards · model-scored net value, re-verified on a rolling basis · how we rank
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