Lifetime free

No joining or annual fee, ranked by what they give back.

How it is ranked

Open cards with no joining fee and no annual fee. Valued like Most back on everyday spending: the calculator for the Online shopper profile (₹30,000 a month), points redeemed cash-like, as a share of the year's spend. Highest first.

103 cards, best first

  1. Swiggy Ornge HDFC Bank Credit Card: 3.3% back (₹11,760 a year on ₹30,000 a month, no fee)
  2. SBM Kredit.Pe Credit Card: 2.6% back (₹9,180 a year on ₹30,000 a month, no fee)
  3. Unity Bank BharatPe Credit Card: 2.0% back (₹7,200 a year on ₹30,000 a month, no fee)
  4. BOBCARD Scapia: 1.6% back (₹5,880 a year on ₹30,000 a month, no fee)
  5. Scapia Axis Bank Credit Card: 1.6% back (₹5,880 a year on ₹30,000 a month, no fee)
  6. Scapia Federal Credit Card: 1.6% back (₹5,880 a year on ₹30,000 a month, no fee)
  7. Google Pay Flex Axis Bank Credit Card: 1.6% back (₹5,760 a year on ₹30,000 a month, no fee)
  8. ixigo AU Credit Card: 1.5% back (₹5,437 a year on ₹30,000 a month, no fee)
  9. Niyo Global SBM Credit Card: 1.4% back (₹5,160 a year on ₹30,000 a month, no fee)
  10. HSBC RuPay Platinum Credit Card: 1.3% back (₹4,664 a year on ₹30,000 a month, no fee)
  11. Kotak811 super.money Credit Card: 1.3% back (₹4,620 a year on ₹30,000 a month, no fee)
  12. RBL Bank Aspire Banking Credit Card: 1.3% back (₹4,560 a year on ₹30,000 a month, no fee)
  13. IDFC FIRST Bank Quantum+ Credit Card: 1.3% back (₹4,530 a year on ₹30,000 a month, no fee)
  14. ESAF INORI RuPay Platinum Credit Card: 1.3% back (₹4,500 a year on ₹30,000 a month, no fee)
  15. YES BANK Paisabazaar PaisaSave RuPay Credit Card: 1.2% back (₹4,440 a year on ₹30,000 a month, no fee)
  16. HSBC Visa Platinum Credit Card: 1.2% back (₹4,325 a year on ₹30,000 a month, no fee)
  17. CUB SalarySe Level UP Credit Card (Lifetime Free): 1.2% back (₹4,152 a year on ₹30,000 a month, no fee)
  18. Fibe Axis Bank Credit Card: 1.1% back (₹3,960 a year on ₹30,000 a month, no fee)
  19. slice UPI Credit Card: 1.0% back (₹3,600 a year on ₹30,000 a month, no fee)
  20. SBM MobiKwik First Credit Card: 0.9% back (₹3,360 a year on ₹30,000 a month, no fee)
  21. LIC IDFC FIRST Select Credit Card: 0.9% back (₹3,243 a year on ₹30,000 a month, no fee)
  22. AXIS BANK SUPERMONEY RuPay Credit Card: 0.9% back (₹3,180 a year on ₹30,000 a month, no fee)
  23. BOBCARD Uni GoldX: 0.9% back (₹3,180 a year on ₹30,000 a month, no fee)
  24. YES BANK UNI RuPay Credit Card: 0.9% back (₹3,062 a year on ₹30,000 a month, no fee)
  25. RBL Bank Paisabazaar Duet Credit Card: 0.9% back (₹3,060 a year on ₹30,000 a month, no fee)
  26. RBL Bank Signature Banking Credit Card: 0.9% back (₹3,060 a year on ₹30,000 a month, no fee)
  27. superCard (Utkarsh SFB x super.money): 0.9% back (₹3,060 a year on ₹30,000 a month, no fee)
  28. EazyDiner IndusInd Bank Platinum Credit Card: 0.8% back (₹2,962 a year on ₹30,000 a month, no fee)
  29. LIC Axis Bank Signature Credit Card: 0.8% back (₹2,905 a year on ₹30,000 a month, no fee)
  30. Paytm AU Credit Card: 0.8% back (₹2,823 a year on ₹30,000 a month, no fee)
  31. AU Zaggle Credit Card: 0.8% back (₹2,763 a year on ₹30,000 a month, no fee)
  32. ICAI Exclusive BOBCARD: 0.7% back (₹2,565 a year on ₹30,000 a month, no fee)
  33. ICSI Diamond BOBCARD: 0.7% back (₹2,565 a year on ₹30,000 a month, no fee)
  34. IndusInd Bank Tiger Credit Card: 0.7% back (₹2,440 a year on ₹30,000 a month, no fee)
  35. Wish Credit Card (Utkarsh SFB x PhonePe): 0.7% back (₹2,400 a year on ₹30,000 a month, no fee)
  36. ICICI Bank Parakram Select Credit Card: 0.6% back (₹2,313 a year on ₹30,000 a month, no fee)
  37. LIC Axis Bank Platinum Credit Card: 0.6% back (₹2,140 a year on ₹30,000 a month, no fee)
  38. IDFC FIRST Bank Business Max Credit Card: 0.6% back (₹2,028 a year on ₹30,000 a month, no fee)
  39. Kotak Solitaire Business Credit Card: 0.5% back (₹1,940 a year on ₹30,000 a month, no fee)
  40. LIC IDFC FIRST Classic Credit Card: 0.5% back (₹1,899 a year on ₹30,000 a month, no fee)
  41. PNB Platinum Credit Card for Indian Army: 0.5% back (₹1,683 a year on ₹30,000 a month, no fee)
  42. AU CA Metal Credit Card: 0.4% back (₹1,503 a year on ₹30,000 a month, no fee)
  43. AU CS Credit Card: 0.4% back (₹1,503 a year on ₹30,000 a month, no fee)
  44. ICICI Bank Platinum Chip Credit Card: 0.4% back (₹1,458 a year on ₹30,000 a month, no fee)
  45. IDFC FIRST Bank FIRST WOW! Credit Card: 0.4% back (₹1,436 a year on ₹30,000 a month, no fee)
  46. Assam Rifles The SENTINEL BOBCARD: 0.4% back (₹1,410 a year on ₹30,000 a month, no fee)
  47. BOBCARD UJJIVAN SFB Elite: 0.4% back (₹1,410 a year on ₹30,000 a month, no fee)
  48. Indian Army YODDHA BOBCARD: 0.4% back (₹1,410 a year on ₹30,000 a month, no fee)
  49. Indian Coast Guard RAKSHAMAH BOBCARD: 0.4% back (₹1,410 a year on ₹30,000 a month, no fee)
  50. J&K Bank Platinum Privilege Credit Card: 0.4% back (₹1,400 a year on ₹30,000 a month, no fee)
  51. IDFC FIRST Bank FIRST Classic Credit Card: 0.4% back (₹1,331 a year on ₹30,000 a month, no fee)
  52. IDFC FIRST Bank FIRST Millennia Credit Card: 0.4% back (₹1,331 a year on ₹30,000 a month, no fee)
  53. IDFC FIRST Bank FIRST Select Credit Card: 0.4% back (₹1,331 a year on ₹30,000 a month, no fee)
  54. IDFC FIRST Bank FIRST Wealth Credit Card: 0.4% back (₹1,331 a year on ₹30,000 a month, no fee)
  55. CUB CSK RuPay Platinum Credit Card: 0.4% back (₹1,320 a year on ₹30,000 a month, no fee)
  56. CUB SRH RuPay Platinum Credit Card: 0.4% back (₹1,320 a year on ₹30,000 a month, no fee)
  57. AU KOSMO Credit Card: 0.4% back (₹1,290 a year on ₹30,000 a month, no fee)
  58. CUB Kavach Credit Card: 0.4% back (₹1,260 a year on ₹30,000 a month, no fee)
  59. RBL Bank BankBazaar SaveMax Credit Card: 0.3% back (₹1,128 a year on ₹30,000 a month, no fee)
  60. IndusInd Bank Platinum Credit Card: 0.3% back (₹1,104 a year on ₹30,000 a month, no fee)
  61. ICICI Bank Parakram Credit Card: 0.3% back (₹1,098 a year on ₹30,000 a month, no fee)
  62. PNB Salary RuPay Select Credit Card: 0.3% back (₹1,083 a year on ₹30,000 a month, no fee)
  63. BOBCARD Prime: 0.3% back (₹1,032 a year on ₹30,000 a month, no fee)
  64. Bandhan Bank Flash Credit Card: 0.3% back (₹900 a year on ₹30,000 a month, no fee)
  65. PNB Salary RuPay Platinum Credit Card: 0.2% back (₹783 a year on ₹30,000 a month, no fee)
  66. SBM Paisabazaar Step-Up Credit Card: 0.2% back (₹765 a year on ₹30,000 a month, no fee)
  67. Kotak UPI RuPay Virtual Credit Card: 0.2% back (₹756 a year on ₹30,000 a month, no fee)
  68. PNB Visa Classic Credit Card: 0.2% back (₹723 a year on ₹30,000 a month, no fee)
  69. BOBCARD VIKRAM: 0.2% back (₹645 a year on ₹30,000 a month, no fee)
  70. Indian Navy VARUNAH BOBCARD: 0.2% back (₹645 a year on ₹30,000 a month, no fee)
  71. AU LIT Credit Card: 0.2% back (₹603 a year on ₹30,000 a month, no fee)
  72. IOB RuPay Classic Credit Card: 0.2% back (₹600 a year on ₹30,000 a month, no fee)
  73. Kiwi RuPay Credit Card (YES Bank Klick): 0.2% back (₹578 a year on ₹30,000 a month, no fee)
  74. BOBCARD UJJIVAN SFB Platinum: 0.2% back (₹564 a year on ₹30,000 a month, no fee)
  75. PM SVANidhi BOBCARD: 0.1% back (₹516 a year on ₹30,000 a month, no fee)
  76. YES BANK FinBooster Credit Card: 0.1% back (₹452 a year on ₹30,000 a month, no fee)
  77. ICICI Bank Corporate Gold Credit Card: 0.1% back (₹420 a year on ₹30,000 a month, no fee)
  78. ICICI Bank Gold Business Credit Card: 0.1% back (₹303 a year on ₹30,000 a month, no fee)
  79. Federal Bank Celesta Credit Card: 0.1% back (₹249 a year on ₹30,000 a month, no fee)
  80. Federal Bank Imperio Credit Card: 0.1% back (₹199 a year on ₹30,000 a month, no fee)
  81. YES BANK RuPay Credit Card (Virtual): 0.1% back (₹182 a year on ₹30,000 a month, no fee)
  82. Federal Bank Signet Credit Card: 0.0% back (₹87 a year on ₹30,000 a month, no fee)
  83. AU InstaPay RuPay Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  84. DCB Niyo Global Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  85. DCB novio Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  86. DCB ZET Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  87. IDBI Bank Aspire Platinum Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  88. IDBI Bank LIC Eclat Select Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  89. IDBI Bank LIC Lumine Platinum Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  90. IDBI Bank Royale Signature Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  91. Roarbank Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  92. SBM Magnet Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  93. SBM ZET Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  94. Standard Chartered Platinum Rewards Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  95. Standard Chartered Priority Visa Infinite Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  96. Union Bank of India PM SVANidhi Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  97. YES BANK AI Inside Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  98. YES BANK AI Inside RuPay Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  99. YES BANK Max Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  100. YES BANK Niyo Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  101. YES BANK novio Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  102. YES BANK novio RuPay Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)
  103. YES BANK Zagg Credit Card: 0.0% back (₹0 a year on ₹30,000 a month, no fee)