🇮🇳 Best Credit Cards in India — March 2026
Our experts have reviewed and ranked the top 5 credit cards available in India for March 2026.
Top 5 Best Credit Cards in India
HDFC Bank Regalia Credit Card
Best Premium Rewards India
SBI Cashback Credit Card
Best Online Shopping Cashback India
Axis Bank ACE Credit Card
Best Utility Bills Card India
Amazon Pay ICICI Credit Card
Best Lifetime Free Card India
HDFC Millennia Credit Card
Best Millennial Card India
Full Card Details
HDFC
HDFC Bank Regalia Credit Card
Annual Fee
₹2,500
Rewards
4–12 pts per ₹150
Intro Offer
2,500 bonus points on first transaction
Credit Score
750+
The HDFC Regalia is India's most popular premium credit card. The annual fee waiver on ₹3L spend makes it effectively free for regular users.
SBI
SBI Cashback Credit Card
Annual Fee
₹999
Rewards
5% online, 1% offline
Intro Offer
₹500 cashback on first transaction
Credit Score
700+
The SBI Cashback Card is the best card for online shoppers in India. The flat 5% cashback on all online transactions with no merchant restrictions is unmatched in the Indian market.
AXIS
Axis Bank ACE Credit Card
Annual Fee
₹499
Rewards
2%–5% cashback
Intro Offer
₹500 cashback on first transaction
Credit Score
680+
The Axis ACE is perfect for Indians who pay utility bills and order food frequently. The 5% cashback via Google Pay is one of the highest rates available for bill payments in India.
ICICI
Amazon Pay ICICI Credit Card
Annual Fee
₹0
Rewards
1%–5% Amazon Pay cashback
Intro Offer
₹1,000 Amazon Pay balance on first transaction
Credit Score
650+
The Amazon Pay ICICI Card is the best lifetime-free credit card in India. Amazon Prime members get an exceptional 5% back on all Amazon purchases with zero annual fee.
HDFC
HDFC Millennia Credit Card
Annual Fee
₹1,000
Rewards
5% on Amazon, Flipkart, Myntra; 1% elsewhere
Intro Offer
1,000 CashPoints on first transaction
Credit Score
700+
The HDFC Millennia is designed for young Indian professionals who shop online. The 5% cashback on major Indian e-commerce platforms is excellent value for the low annual fee.