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
ICICI
02MakeMyTrip ICICI Bank Credit Card
Value₹6,035/yr
Federal Bank
03Scapia Federal Bank Credit Card
Value₹2,786/yr
ICICI
Adani One ICICI Bank Credit Cards
Value₹1,400/yr
RankCardValueReturnFee
01
MakeMyTrip ICICI Bank Credit CardICICI · Visa · MakeMyTrip-Focused Domestic Travelers
Cashback75 lounge
₹6,035/yr
1.68%
₹500
→
02
Scapia Federal Bank Credit CardFederal Bank · Visa · International travelers who want a no-fee travel card
Points48 lounge
₹2,786/yr
0.77%
₹0
→
03
Adani One ICICI Bank Credit CardsICICI · Visa · Travel & lounge access
Cashback75 lounge
₹1,400/yr
0.39%
₹0
→
04
BOBCARD PRIME: Guaranteed Credit Card with Zero DocumentationBoB · RuPay · Travel & lounge access
Cashback82 lounge
₹1,400/yr
0.39%
₹0
→
05
DBS Bank SuperCardDBS Bank · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
06
EazyDiner IndusInd Bank Signature Credit CardIndusInd · Visa · Travel & lounge access
Cashback40 lounge
₹1,400/yr
0.39%
₹0
→
07
EazyDiner IndusInd Platinum Credit CardIndusInd · Visa · Travel & lounge access
Cashback40 lounge
₹1,400/yr
0.39%
₹0
→
08
Landmark Rewards SBI CardSBI · Visa · Travel & lounge access
Cashback30 lounge
₹1,400/yr
0.39%
₹0
→
09
MakeMyTrip ICICI Bank Signature Credit Card – For Premium Travel BenefitsICICI · Visa · Travel & lounge access
Cashback75 lounge
₹1,400/yr
0.39%
₹0
→
10
PhonePe SBI Card SELECT BLACKSBI · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
11
RBL NOVA Credit CardRBL · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
12
YES Private Credit CardYes Bank · Visa · Travel & lounge access
Cashback42 lounge
₹1,400/yr
0.39%
₹0
→
13
IDFC FIRST SelectIDFC · Visa · Movies & Lounge (Free)
Points39 lounge
₹950/yr
0.26%
₹0
→
14
IDFC FIRST WealthIDFC · Visa · Premium Users seeking LTF
Points39 lounge
₹950/yr
0.26%
₹0
→
15
ICICI Bank HPCL Coral Credit CardICICI · Visa · Drivers and commuters fueling at HPCL regularly
Points75 lounge
₹1,042/yr
0.29%
₹500
→
16
IndusInd PinnacleIndusInd · MasterCard · Heavy Online Spenders
Points40 lounge
₹500/yr
0.14%
₹0
→
17
ICICI Bank HPCL Super Saver Credit CardICICI · Visa · Drivers with regular HPCL fuel spend
Points75 lounge
₹687/yr
0.19%
₹500
→
18
Equitas Small Finance Bank PowerMiles Credit CardEquitas Small Finance · Visa · Travel & lounge access
Miles42 lounge
₹50/yr
0.01%
₹0
→
19
IndusInd Nexxt Credit CardIndusInd · Visa · Young professionals wanting a no-fee modern usage card
Points40 lounge
₹50/yr
0.01%
₹0
→
20
IndusInd Platinum Aura Edge Credit CardIndusInd · Visa · Budget users wanting no-fee rewards card ownership
Points40 lounge
₹50/yr
0.01%
₹0
→
21
Insignia Preferred Banking Credit CardRBL · MasterCard · Travel & lounge access
Miles31 lounge
₹50/yr
0.01%
₹0
→
22
Platinum Maxima Plus Credit CardRBL · RuPay · Travel & lounge access
Miles31 lounge
₹50/yr
0.01%
₹0
→
23
Union Bank SignatureUnion Bank · Visa · Conservative Users
Points42 lounge
₹50/yr
0.01%
₹0
→
24
World Prime Credit CardRBL · MasterCard · Travel & lounge access
Miles31 lounge
₹50/yr
0.01%
₹0
→
Showing 24 of 24 cards · model-scored net value, re-verified on a rolling basis · how we rank
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