# India Card Catalog

> Every credit card issued in India: 743 cards from 40 issuers, including 185 cards from 23 smaller public-sector, regional and small finance banks that most comparison sites leave out. Each card carries the fine print: fees, reward caps, excluded spends, lounge conditions, forex markup and points transfers. Each card is read from the issuer's own documents and dated; fields not from the issuer are marked unverified. Read 12 Oct 2026. Published by Saurabh Garg, credit card enthusiast (https://saurabhgarg.com). Amounts in rupees, excluding GST. Information, not financial advice.

## Lists
- [Credit cards with airport lounge access](https://m16s.in/lounge-access-credit-cards/): 345 credit cards in India that list airport lounge access, from 33 banks. 261 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Lifetime free credit cards](https://m16s.in/lifetime-free-credit-cards/): 156 credit cards in India with no joining fee and no annual fee, from 32 banks. 150 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [RuPay credit cards](https://m16s.in/rupay-credit-cards/): 239 credit cards in India on the RuPay network, which can be linked to UPI, from 32 banks. 229 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Credit cards with low forex markup](https://m16s.in/low-forex-markup-credit-cards/): 146 credit cards in India with a forex markup of 2% or less, from 28 banks. 113 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Fuel credit cards](https://m16s.in/fuel-credit-cards/): 19 credit cards in India built for fuel spends, from 13 banks. 19 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Secured credit cards against a fixed deposit](https://m16s.in/secured-credit-cards/): 69 credit cards in India issued against a fixed deposit, from 24 banks. 66 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Cashback credit cards](https://m16s.in/cashback-credit-cards/): 97 credit cards in India that pay rewards as cashback, from 24 banks. 77 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Travel credit cards](https://m16s.in/travel-credit-cards/): 177 credit cards in India built for travel, from 27 banks. 106 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Lifetime free credit cards with airport lounge access](https://m16s.in/lifetime-free-credit-cards-with-lounge-access/): 53 credit cards in India with no joining fee, no annual fee and airport lounge access, from 18 banks. 52 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Lifetime free credit cards with low forex markup](https://m16s.in/lifetime-free-credit-cards-with-low-forex-markup/): 40 credit cards in India with no joining or annual fee and a forex markup of 2% or less, from 19 banks. 39 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Lifetime free RuPay credit cards for UPI](https://m16s.in/lifetime-free-rupay-credit-cards/): 73 credit cards in India on RuPay, which links to UPI, with no joining or annual fee, from 25 banks. 72 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [RuPay credit cards with airport lounge access](https://m16s.in/rupay-credit-cards-with-lounge-access/): 121 credit cards in India on RuPay with airport lounge access, from 26 banks. 116 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Credit cards with lounge access and an annual fee of Rs 1,000 or less](https://m16s.in/lounge-access-credit-cards-under-rs-1000/): 163 credit cards in India with airport lounge access and an annual fee of Rs 1,000 or less, from 31 banks. 139 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Credit cards that pay no rewards on rent](https://m16s.in/credit-cards-no-rewards-on-rent/): 323 credit cards in India whose terms exclude rent payments from rewards, from 26 banks. 254 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Credit cards that pay no rewards on wallet loads](https://m16s.in/credit-cards-no-rewards-on-wallet-loads/): 278 credit cards in India whose terms exclude wallet loads from rewards, from 26 banks. 225 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Credit cards that pay no rewards on fuel](https://m16s.in/credit-cards-no-rewards-on-fuel/): 419 credit cards in India whose terms exclude fuel from rewards, from 30 banks. 337 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
- [Credit cards that pay no rewards on rent, wallet loads or fuel](https://m16s.in/credit-cards-no-rewards-on-rent-wallet-fuel/): 231 credit cards in India whose terms exclude rent, wallet loads and fuel from rewards, from 24 banks. 195 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.

## Banks
- [AU Small Finance Bank credit cards](https://m16s.in/banks/au/): 32 cards
- [American Express credit cards](https://m16s.in/banks/amex/): 11 cards
- [Axis Bank credit cards](https://m16s.in/banks/axis/): 56 cards
- [Bandhan Bank credit cards](https://m16s.in/banks/bandhan/): 4 cards
- [Bank of Baroda credit cards](https://m16s.in/banks/bank-of-baroda/): 33 cards
- [Bank of India credit cards](https://m16s.in/banks/bank-of-india/): 10 cards
- [CSB Bank credit cards](https://m16s.in/banks/csb/): 3 cards
- [Canara Bank credit cards](https://m16s.in/banks/canara/): 16 cards
- [Citi Bank credit cards](https://m16s.in/banks/citi/): 1 cards
- [City Union Bank credit cards](https://m16s.in/banks/city-union/): 11 cards
- [DBS Bank India credit cards](https://m16s.in/banks/dbs/): 12 cards
- [DCB Bank credit cards](https://m16s.in/banks/dcb/): 6 cards
- [Dhanlaxmi Bank credit cards](https://m16s.in/banks/dhanlaxmi/): 3 cards
- [ESAF Small Finance Bank credit cards](https://m16s.in/banks/esaf/): 2 cards
- [Equitas Small Finance Bank credit cards](https://m16s.in/banks/equitas/): 6 cards
- [Federal Bank credit cards](https://m16s.in/banks/federal/): 13 cards
- [HDFC Bank credit cards](https://m16s.in/banks/hdfc/): 70 cards
- [HSBC credit cards](https://m16s.in/banks/hsbc/): 8 cards
- [ICICI Bank credit cards](https://m16s.in/banks/icici/): 37 cards
- [IDBI Bank credit cards](https://m16s.in/banks/idbi/): 7 cards
- [IDFC First Bank credit cards](https://m16s.in/banks/idfc/): 28 cards
- [Indian Bank credit cards](https://m16s.in/banks/indian/): 9 cards
- [Indian Overseas Bank credit cards](https://m16s.in/banks/indian-overseas/): 11 cards
- [IndusInd Bank credit cards](https://m16s.in/banks/indusind/): 37 cards
- [Jammu and Kashmir Bank credit cards](https://m16s.in/banks/j-and-k-bank/): 5 cards
- [Karur Vysya Bank credit cards](https://m16s.in/banks/karur-vysya/): 4 cards
- [Kotak Mahindra Bank credit cards](https://m16s.in/banks/kotak-mahindra/): 35 cards
- [Punjab National Bank credit cards](https://m16s.in/banks/punjab-national/): 19 cards
- [RBL Bank credit cards](https://m16s.in/banks/rbl/): 69 cards
- [SBM Bank India credit cards](https://m16s.in/banks/sbm/): 10 cards
- [Slice Small Finance Bank credit cards](https://m16s.in/banks/slice/): 1 cards
- [South Indian Bank credit cards](https://m16s.in/banks/south-indian/): 2 cards
- [Standard Chartered credit cards](https://m16s.in/banks/standard-chartered/): 10 cards
- [State Bank of India (SBI Card) credit cards](https://m16s.in/banks/sbi-card/): 94 cards
- [Suryoday Small Finance Bank credit cards](https://m16s.in/banks/suryoday/): 4 cards
- [Tamilnad Mercantile Bank credit cards](https://m16s.in/banks/tamilnad-mercantile/): 6 cards
- [Union Bank of India credit cards](https://m16s.in/banks/union-bank-of-india/): 17 cards
- [Unity Small Finance Bank credit cards](https://m16s.in/banks/unity/): 2 cards
- [Utkarsh Small Finance Bank credit cards](https://m16s.in/banks/utkarsh/): 5 cards
- [Yes Bank credit cards](https://m16s.in/banks/yes/): 34 cards

## Reference
- [Methodology](https://m16s.in/methodology/): sources, verification counts, known gaps, how the site is paid
- [Find a card](https://m16s.in/find/): match open cards to age, income, CIBIL score and spends, in plain words or a form
- [My cards](https://m16s.in/my-cards/): pick the cards you hold and your monthly spends; see which card to use for each spend after each card's caps, which to keep or close, which to add, and how much of your credit limit you use
- [All cards](https://m16s.in/cards/): every card, grouped by bank
- [Full card summaries](https://m16s.in/llms-full.txt): one paragraph per card
- [Open data](https://m16s.in/data/): every card and every dated change as JSON (https://m16s.in/data/cards.json) and CSV (https://m16s.in/data/cards.csv, https://m16s.in/data/changes.csv), upcoming effective dates as a calendar (https://m16s.in/data/changes.ics); CC BY 4.0, credit "India Card Catalog, m16s.in"
- [News](https://m16s.in/news/): dated changes to Indian cards, each from the source; RSS at https://m16s.in/news/feed.xml
- [Guides](https://m16s.in/guides/): answers to common cardholder questions, with figures across every bank
- [Devaluation Index](https://m16s.in/devaluation-index/): benefit cuts on Indian cards counted by bank and quarter from the news log, each count linked to its posts; data at https://m16s.in/devaluation-index/data.json
- [Change log](https://m16s.in/changes/): every dated change to an Indian card, newest first and by bank; each card page also lists its own changes under "What changed on this card"

## Latest news
- [Standard Chartered Beyond: zero forex markup till 31 Dec 2026](https://m16s.in/news/standard-chartered-beyond-zero-forex-offer-till-31-december-2026/): Standard Chartered has dropped the 2% forex markup on its Beyond credit card from 21 October to 31 December 2026, and doubled the monthly EazyDiner and BookMyShow offers for the same period.
- [AU Zenith+ credit card forex markup cut to 0% from 1 Dec 2026](https://m16s.in/news/au-zenith-plus-zero-forex-markup-1-december-2026/): AU Small Finance Bank will charge no forex markup on the Zenith+ credit card from 1 December 2026, down from 0.99%. Its card terms updated on 2 November 2026 show the change.
- [Air India launches Maharaja Shop to earn Maharaja Points, Nov 2026](https://m16s.in/news/air-india-maharaja-shop-earn-maharaja-points-shopping-nov-2026/): Air India launched the Maharaja Shop on 5 November 2026, a members-only store where Maharaja Club members earn Maharaja Points on eligible purchases. The points go to award flights and upgrades.
- [Kotak Private credit card: Rs 49,000 fee, zero forex, invite only, Nov 2026](https://m16s.in/news/kotak-private-credit-card-rs-49000-fee-zero-forex-invite-nov-2026/): Kotak Mahindra Bank now has a public page for its invite-only Kotak Private credit card. Its terms show a Rs 49,000 annual fee, waived for eligible Kotak Private clients, and nil forex markup.
- [ICICI cards lose air accident cover and INOX, fees rise, Dec 2026](https://m16s.in/news/icici-air-accident-cover-inox-end-replacement-fee-december-2026/): From 15 December 2026, ICICI Bank ends air accident cover on 7 cards, CFAR cover on 4 and the INOX benefit on 9. Card replacement goes to Rs 300 plus GST from 11 December.
- [Axis Vistara credit cards stop working for spends after 15 Dec 2026](https://m16s.in/news/axis-vistara-credit-cards-discontinued-for-spends-15-december-2026/): Axis Bank says its Vistara credit cards will be discontinued for spends after 15 December 2026, after Vistara merged into Air India. Select holders are offered another Axis card in its place.
- [RBI bans dark patterns and mis-selling by banks from 1 January 2027](https://m16s.in/news/rbi-mis-selling-dark-patterns-rules-banks-1-january-2027/): From 1 January 2027, banks must take explicit consent for each product, set consent to No by default, make cards easy to cancel and state the spend behind any lifetime free fee waiver.
- [ICICI 1838 Reserve credit card launched, Rs 1,75,000 fee, Oct 2026](https://m16s.in/news/icici-1838-reserve-credit-card-launched-rs-175000-fee-oct-2026/): ICICI Bank and Times Internet launched the invite-only 1838 Reserve Visa card in New Delhi on 30 October 2026. It costs Rs 1,75,000 plus GST to join and every year, with no waiver.
- [HDFC updates CIBIL within 15 days of overdue payment, Oct 2026](https://m16s.in/news/hdfc-credit-bureau-update-15-days-tata-neu-redemption-fee-oct-2026/): HDFC Bank's card terms dated 31 October 2026 cut the time to update CIBIL after an overdue payment from 30 days to 15, and drop the Rs 99 redemption fee for Tata Neu Infinity and Plus.
- [PNB credit card charges rise from 1 Nov 2026: cash, late fee, rewards](https://m16s.in/news/pnb-credit-card-charges-revised-1-november-2026/): From 1 November 2026, PNB Visa and RuPay credit cards pay 2.5% on cash advances, late fees up to Rs 1,200, Rs 99 per reward redemption and 1% on utility bills above Rs 50,000 a cycle.
- [Axis Bank changes credit card EMI foreclosure interest, Oct 2026](https://m16s.in/news/axis-credit-card-emi-foreclosure-interest-refund-20-october-2026/): Axis Bank EMI plans booked from 20 October 2026 get a pro-rated interest refund if closed before the payment due date. The 3% foreclosure charge, minimum Rs 300, stays.
- [Air India and SBI Card to launch Visa co-brand credit card, Oct 2026](https://m16s.in/news/air-india-sbi-card-visa-co-brand-credit-card-announced-oct-2026/): Air India and SBI Card announced a new Visa co-brand credit card for Maharaja Club members on 28 October 2026. Fees, earn rates and the launch date are not yet published.
- [Tata Neu HDFC cards: NeuCoins must be claimed in app from 25 Nov 2026](https://m16s.in/news/tata-neu-hdfc-neucoins-claim-in-app-from-25-nov-2026/): From 25 November 2026, NeuCoins earned on Tata Neu HDFC Bank credit cards stop landing automatically. The primary cardholder claims them in the Tata Neu app within 12 months.
- [SBI Card adds 1% fee on big fuel and transport spends from 1 Dec 2026](https://m16s.in/news/sbi-card-1-percent-fee-fuel-transport-december-2026/): From 1 December 2026, SBI Card charges 1% on fuel spends above Rs 50,000 in a billing cycle and on any single transport transaction above Rs 30,000.
- [Paytm AU SFB card launches with family lounge visits, Oct 2026](https://m16s.in/news/paytm-au-credit-card-launch-family-lounge-access-oct-2026/): AU Small Finance Bank and Paytm launched a lifetime-free RuPay card on 21 October 2026: up to 12 family lounge visits a year on round trips booked on Paytm, and 2% on eligible Paytm UPI.
- [IDFC FIRST keeps reward points on international spends, Sep 2026](https://m16s.in/news/idfc-first-no-reward-points-international-spends-26-oct-2026/): IDFC FIRST credit cards have zero forex markup from 9 September 2026 and still earn reward points on international spends. The bank dropped its planned 26 October cut in a later letter.
- [Axis Priority Pass and hotel memberships need consent from 15 Nov 2026](https://m16s.in/news/axis-priority-pass-hotel-memberships-consent-renewal-nov-2026/): From 15 November 2026, Axis Bank renews Priority Pass and hotel memberships on 9 premium cards only if the cardholder gives explicit consent.
- [Amex India changes Membership Rewards and late fees from 15 Nov 2026](https://m16s.in/news/amex-india-membership-rewards-changes-15-november-2026/): From 15 November 2026, Amex India keeps points separately per card, pauses points when a payment is overdue, ends the MRCC 50% fee waiver and bases late fees on the total due.
- [MakeMyTrip ICICI card: zero forex, new myCash rules from Nov 2026](https://m16s.in/news/icici-makemytrip-card-zero-forex-mycash-change-nov-2026/): From 10 November 2026, the MakeMyTrip ICICI Bank Credit Card drops its forex markup and DCC fee, stops myCash on international spends outside MakeMyTrip, and gives new myCash a 24-month life.
- [Eternal SBI Card launches October 2026 with Zomato, Blinkit discounts](https://m16s.in/news/eternal-sbi-card-launch-zomato-blinkit-cashback-oct-2026/): SBI Card and Eternal have launched the Eternal SBI Card on RuPay and Mastercard: Rs 499 plus GST a year, 10% off on Zomato, District and Blinkit up to Rs 2,000 a month.