Data-first shortlist

Top 100 Credit Cards

Spend:30k/mo
Avg Value:Likely
model:Balanced
#1Scapia Federal Bank Credit Card

Scapia Federal Bank Credit Card

Federal BankVisa

2,786/yrView card
#2BoB Eterna

BoB Eterna

BoBMasterCard

1,976/yrView card
#3Tata Neu Infinity

Tata Neu Infinity

HDFCRuPay

6,653/yrView card
RankCardAnnual ValueAnnual FeeScale vs ₹30kBest for
#1
Scapia Federal Bank Credit Card
Scapia Federal Bank Credit Card

Federal BankVisa

Points48 loungeWhy this rank: reward +2786.00 • enrichment +1680.00 • gate -1800.00
2,7860.77% est. return
₹0

International travelers who want a no-fee travel card

#2
BoB Eterna
BoB Eterna

BoBMasterCard

Points19 loungeWhy this rank: reward +1976.00 • enrichment +4208.00 • gate +0.00
1,9760.55% est. return
₹2499

Frequent Travelers

#3
Tata Neu Infinity
Tata Neu Infinity

HDFCRuPay

Points17 loungeWhy this rank: reward +6653.00 • enrichment +2150.00 • gate -1800.00
6,6531.85% est. return
₹1499

UPI Payments & Tata Users

#4
IndusInd Bank Tiger Credit Card
IndusInd Bank Tiger Credit Card

IndusIndVisa

Points40 loungeWhy this rank: reward +906.00 • enrichment +3036.00 • gate +0.00
9060.25% est. return
₹0

Zero Forex and Movie Offers

#5
Amazon Pay ICICI
Amazon Pay ICICI

ICICIVisa

CashbackWhy this rank: reward +5468.00 • enrichment +3313.00 • gate -1800.00
5,4681.52% est. return
₹0

Amazon Loyalists

#6
SBI SimplySAVE
SBI SimplySAVE

SBIVisa

PointsWhy this rank: reward +1100.00 • enrichment +3601.00 • gate +0.00
1,1000.31% est. return
₹499

Everyday Essentials

#7
HDFC MoneyBack+
HDFC MoneyBack+

HDFCVisa

PointsWhy this rank: reward +738.00 • enrichment +3338.00 • gate +0.00
7380.21% est. return
₹500

Beginners & Online Shopping

#8
SBI SimplyCLICK
SBI SimplyCLICK

SBIVisa

PointsWhy this rank: reward +143.00 • enrichment +3436.00 • gate +0.00
1430.04% est. return
₹499

Online Shopping Beginners

#9
Uni GoldX Credit Card
Uni GoldX Credit Card

YES / BOBRuPay

GoldWhy this rank: reward +500.00 • enrichment +1220.00 • gate +0.00
5000.14% est. return
₹0

Forex & Gold Investing

#10
Axis Bank Vistara Credit Card (Platinum)
Axis Bank Vistara Credit Card (Platinum)

AxisVisa

MilesWhy this rank: reward -419.00 • enrichment +4073.00 • gate -4500.00
-419-0.12% est. return
₹1500

Users wanting a lower-fee Axis co-branded Maharaja Points card for domestic travel patterns

#11
Axis Bank Horizon Credit Card
Axis Bank Horizon Credit Card

AxisVisa

Miles20 loungeWhy this rank: reward -837.00 • enrichment +4253.00 • gate -6300.00
-837-0.23% est. return
₹3000

Frequent Flyers & Miles

#12
MakeMyTrip ICICI Bank Credit Card
MakeMyTrip ICICI Bank Credit Card

ICICIVisa

Cashback75 loungeWhy this rank: reward +6035.00 • enrichment +0.00 • gate -9000.00
6,0351.68% est. return
₹500

MakeMyTrip-Focused Domestic Travelers

#13
IDFC FIRST Private Credit Card
IDFC FIRST Private Credit Card

IDFCVisa

Cashback39 loungeWhy this rank: reward +1400.00 • enrichment +0.00 • gate -9000.00
1,4000.39% est. return
₹0

Travel & lounge access

#14
Adani One ICICI Bank Credit Cards
Adani One ICICI Bank Credit Cards

ICICIVisa

Cashback75 loungeWhy this rank: reward +1400.00 • enrichment +0.00 • gate -9000.00
1,4000.39% est. return
₹0

Travel & lounge access

#16
DBS Bank SuperCard
DBS Bank SuperCard

DBS BankVisa

Cashback42 loungeWhy this rank: reward +1400.00 • enrichment +0.00 • gate -9000.00
1,4000.39% est. return
₹0

Travel & lounge access

#20
EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card

IndusIndVisa

Cashback40 loungeWhy this rank: reward +1400.00 • enrichment +0.00 • gate -9000.00
1,4000.39% est. return
₹0

Travel & lounge access

#22
Landmark Rewards SBI Card
Landmark Rewards SBI Card

SBIVisa

Cashback30 loungeWhy this rank: reward +1400.00 • enrichment +0.00 • gate -9000.00
1,4000.39% est. return
₹0

Travel & lounge access

#23
PhonePe SBI Card SELECT BLACK
PhonePe SBI Card SELECT BLACK

SBIVisa

Cashback42 loungeWhy this rank: reward +1400.00 • enrichment +0.00 • gate -9000.00
1,4000.39% est. return
₹0

Travel & lounge access

#24
RBL NOVA Credit Card
RBL NOVA Credit Card

RBLVisa

Cashback42 loungeWhy this rank: reward +1400.00 • enrichment +0.00 • gate -9000.00
1,4000.39% est. return
₹0

Travel & lounge access

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