M16SCredit cards, explained without the jargon Sign in

How this catalog is checked

Every number on this site was read from a document, and each card says which one and when. Nothing is estimated, and a dash means the term was not found.

What is covered

Every credit card we could find from every Indian card issuer: 743 credit cards from 40 issuers, including 185 cards from 23 smaller banks (public-sector, regional and small finance banks, each holding under 2% of India's credit cards outstanding by RBI's figures). Each card lists the documents it was read from and the date. The issuer list taken from the Reserve Bank of India's bank-wise card statistics for August 2026 (rbi.org.in). The catalog was read on 12 Oct 2026.

525 cards carry full terms, 81 partial terms and 137 fees only. 437 rest on the issuer's documents alone, 280 on the issuer plus an aggregator, and 26 on an aggregator alone.

Sources, in order of trust

  1. The issuer's most important terms and conditions (MITC) or fee schedule.
  2. The issuer's own product page.
  3. An aggregator, only where the issuer's documents could not be read. Every field that came from an aggregator, or where sources disagreed, is marked unverified.

How it was verified

Three independent passes. 11 Oct 2026: 30 random cards, 240 fields: 198 confirmed, 8 flagged wrong, 5 unverifiable, 29 blank in both. 12 Oct 2026, cards re-read from bank pages: 34 cards, 272 fields: 205 confirmed, 2 wrong, 30 not stated on the page, 35 blank in both.

Known gaps

Known gaps: for HDFC, Axis, IndusInd, SBI Card and Yes Bank, the banks' own product pages were read on 12 Oct 2026, but those pages often omit forex markup, transfer partners, some caps and point values; such fields still rest on the fee schedule or on aggregators and are flagged. Bank pages sometimes contradict the bank's own fee schedule; conflicts are recorded in each card's notes.

Change history

Each card page has a "What changed on this card" list, and every change is on the change log. Changes come from two places: our daily news posts, and a backfill of dated changes since January 2024 for the 100 most-held cards, picked by each bank's share of India's credit cards outstanding (RBI, August 2026), and for every card from the smaller banks. A change is logged only when the bank's own notice, terms document or product page states it and its effective date; each entry links to that document and says when we read it. Cuts are counted on the Devaluation Index. A card with no entries has not been backfilled yet, or had no change we could confirm on the bank's own site.

Open data

The whole catalog and the change history are free to download as JSON and CSV under CC BY 4.0, with the source and verification status of every field: open data.

How cards are ordered, and how we are paid

Lists sort by annual fee, lowest first, with cards closed to new applicants last. Some Apply buttons may become partner links: if you are approved through one, Saurabh Garg may earn a fee. A partner link is labelled under the button. It never decides which cards appear or in what order.

Corrections

If a term is wrong or out of date, write to hello@c4e.in with the card name and the issuer's document. Corrections are re-read against the source and logged below.

Changelog

Published by , credit card enthusiast. Amounts are in rupees and exclude GST.