Best fit
CASHBACK SBI Card
Cashback feels free; caps decide the truth.
Ideal user: A salaried researcher who pays the full bill and spends predictably online.
Avoid if: Anyone carrying balances, chasing cashback, or needing low forex.
Cashback credit cards India
Cashback is useful. Caps are where the plot twist lives.
Young researchers often spend on Amazon, Flipkart, grocery, dining, utilities, travel booking, electronics, and academic accessories. Compare monthly caps, excluded categories, merchant rules and fee waiver conditions before applying.
Best cashback choices
Cashback is powerful only when the bill is boring.
The winner is for disciplined users who pay in full, understand caps, and do not spend extra to chase rewards.
Winner
CASHBACK SBI Card
Strong online cashback for disciplined online spenders.
Official source
Indian Scientist
IndusInd Platinum Credit Card
IndusInd Bank
Lifetime-free / starter
Alternative
IndusInd Platinum Credit Card
Simple lifetime-free starter comparison.
Avoid if:Someone seeking international travel, lounge access or high rewards.
Indian Scientist
Axis MyZone RuPay Credit Card
Axis Bank
Movie voucher / lounge
Alternative
Axis MyZone RuPay Credit Card
Low-fee lifestyle card with movie and conditional lounge use.
Avoid if:Someone choosing a card only for lounge access without checking spend rules.
Cashback comparison
Read the caps before celebrating the rate.
Card
Best for
Fees
Rewards / cashback
Travel benefits
Action
Indian Scientist
IndusInd Platinum Credit Card
IndusInd Bank
IndusInd Platinum Credit Card
IndusInd Bank
BeginnerLifetime-freeShopping Nil LTF: Yes Reward points
Not officially specified in reviewed issuer page; No major airport lounge proposition in reference.
Details
Indian Scientist
IndusInd Platinum Credit Card
IndusInd Bank
IndusInd Platinum Credit Card
IndusInd Bank
Joining fee
Nil
Renewal fee
Nil
Fee waiver
Lifetime-free in reviewed reference; verify issuer page.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
Not officially specified in reviewed issuer page
Lounge access
No major airport lounge proposition in reference.
Caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
CASHBACK SBI Card
SBI Card
CashbackShoppingOnline shopping ₹999 + GST LTF: No 5% online cashback, 1% offline cashback
3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed source.
Details
CASHBACK SBI Card
SBI Card
Joining fee
₹999 + GST
Renewal fee
₹999 + GST
Fee waiver
Waived on ₹2 lakh annual spends.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
3.5% foreign currency transaction fee
Lounge access
No complimentary lounge benefit found in reviewed source.
Caps / limits
From 1 April 2026, SBI Card revision caps online cashback at Rs.2,000 and offline cashback at Rs.2,000, with Rs.4,000 maximum cashback per statement cycle. Exclusions and MCC rules apply, including utility, insurance, fuel, rent, wallet, education, railway, government-related, toll and gaming categories.
Last verified
2026-05-18
Pros
- • Strong broad online cashback.
- • Useful for Amazon, Flipkart, course subscriptions and academic purchases.
Cons
- • Paid card unless waiver spend is met.
- • Weak for forex.
Indian Scientist
Axis MyZone RuPay Credit Card
Axis Bank
Axis MyZone RuPay Credit Card
Axis Bank
BeginnerDiningLounge ₹500 + GST LTF: No EDGE reward points plus lifestyle offers
Not officially specified; Conditional domestic lounge access in reference, spend-based.
Details
Indian Scientist
Axis MyZone RuPay Credit Card
Axis Bank
Axis MyZone RuPay Credit Card
Axis Bank
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Reference note: waived at ₹1.5 lakh annual spend.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
Not officially specified
Lounge access
Conditional domestic lounge access in reference, spend-based.
Caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Flipkart Axis Bank Credit Card
Axis Bank / Flipkart
CashbackShoppingOnline shopping ₹500 + GST LTF: No Statement cashback
3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed official terms.
Details
Flipkart Axis Bank Credit Card
Axis Bank / Flipkart
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Waived on spends above ₹3.5 lakh.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
3.5% foreign currency transaction fee
Lounge access
No complimentary lounge benefit found in reviewed official terms.
Caps / limits
Quarterly caps apply to Myntra, Flipkart and Cleartrip. Many excluded categories apply.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
CashbackShoppingOnline shopping ₹500 + GST LTF: No Statement cashback
3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed official terms.
Details
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Not officially specified
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
3.5% foreign currency transaction fee
Lounge access
No complimentary lounge benefit found in reviewed official terms.
Caps / limits
Quarterly caps apply to Myntra, Flipkart and Cleartrip. Many excluded categories apply.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
FuelBeginner ₹500 + GST LTF: No Fuel rewards
Not officially specified; Verify current issuer terms
Details
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Reference note: waived at ₹3.5 lakh annual spend.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
Not officially specified
Lounge access
Verify current issuer terms
Caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Airtel Axis Bank RuPay Credit Card
Axis Bank / Airtel
CashbackUtilitiesDining ₹500 + GST LTF: No Statement cashback
3.5% foreign currency transaction fee; No complimentary lounge access after the April 2026 Axis revision; veri...
Details
Airtel Axis Bank RuPay Credit Card
Axis Bank / Airtel
Joining fee
Nil first year in reviewed reference; verify current offer
Renewal fee
₹500 + GST
Fee waiver
Waived on ₹2 lakh annual spend.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
3.5% foreign currency transaction fee
Lounge access
No complimentary lounge access after the April 2026 Axis revision; verify latest Axis terms.
Caps / limits
Effective April 2026, Airtel and utility cashback caps are linked to base cashback earned in the same statement month. App-only, merchant, minimum-order and MCC rules apply.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Indian Scientist
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
FuelBeginner ₹499 + GST LTF: No Fuel rewards
Not officially specified; Verify current issuer terms
Details
Indian Scientist
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
Joining fee
₹499 + GST
Renewal fee
₹499 + GST
Fee waiver
Reference note: waived at ₹1.5 lakh spend.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
Not officially specified
Lounge access
Verify current issuer terms
Caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Indian Scientist
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
BeginnerShoppingTravel ₹499 from second year onwards LTF: No Discounts, coupons and reward points
Not officially specified; Railway lounge visits in reviewed reference.
Details
Indian Scientist
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
Joining fee
₹499 + GST
Renewal fee
₹499 from second year onwards
Fee waiver
Not officially specified
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
Not officially specified
Lounge access
Railway lounge visits in reviewed reference.
Caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Indian Scientist
IDFC FIRST Power Credit Card
IDFC FIRST Bank
IDFC FIRST Power Credit Card
IDFC FIRST Bank
FuelBeginner ₹199 + GST LTF: No Fuel rewards
Not officially specified; Verify current issuer terms
Details
Indian Scientist
IDFC FIRST Power Credit Card
IDFC FIRST Bank
IDFC FIRST Power Credit Card
IDFC FIRST Bank
Joining fee
₹199 + GST
Renewal fee
₹199 + GST
Fee waiver
Reference note: waived at ₹50,000 annual spend.
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
Not officially specified
Lounge access
Verify current issuer terms
Caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Last verified
2026-05-18
Pros
- • Useful to compare for the stated category.
Cons
- • Eligibility, approval and benefits are subject to issuer policy.
Axis Neo Credit Card
Axis Bank
DiningShoppingBeginner ₹250 LTF: Conditional Discounts and EDGE Reward Points
3.5%; No
Details
Axis Neo Credit Card
Axis Bank
Joining fee
₹250
Renewal fee
₹250
Fee waiver
Often issued as Lifetime Free during limited-time offers
Eligibility
Salary: Not officially specified. CIBIL: Not officially specified.
Forex
3.5%
Lounge access
No
Caps / limits
Requires specific promo codes for Zomato/Blinkit discounts. Minimum spend limits apply.
Last verified
2026-05-18
Pros
- • Exceptional recurring discounts on Zomato, Blinkit, and Myntra.
- • Great first card if acquired as Lifetime Free.
Cons
- • No travel benefits.
- • Discount codes can be cumbersome compared to direct cashback.
Indian Scientist
IndusInd Platinum Credit Card
IndusInd Bank
IndusInd Platinum Credit Card
IndusInd Bank
BeginnerLifetime-freeShopping Annual fee: Nil · LTF: Yes
Rewards: Reward points
Travel: Not officially specified in reviewed issuer page; No major airport lounge proposition in reference.
View full details
Indian Scientist
IndusInd Platinum Credit Card
IndusInd Bank
IndusInd Platinum Credit Card
IndusInd Bank
BeginnerLifetime-freeShopping
Annual fee: Nil · LTF: Yes
Rewards: Reward points
Travel: Not officially specified in reviewed issuer page; No major airport lounge proposition in reference.
Joining fee
Nil
Renewal fee
Nil
Fee waiver
Lifetime-free in reviewed reference; verify issuer page.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
CASHBACK SBI Card
SBI Card
CashbackShoppingOnline shoppingBeginner Annual fee: ₹999 + GST · LTF: No
Rewards: 5% online cashback, 1% offline cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed source.
View full details
CASHBACK SBI Card
SBI Card
CashbackShoppingOnline shoppingBeginner
Annual fee: ₹999 + GST · LTF: No
Rewards: 5% online cashback, 1% offline cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed source.
Joining fee
₹999 + GST
Renewal fee
₹999 + GST
Fee waiver
Waived on ₹2 lakh annual spends.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
From 1 April 2026, SBI Card revision caps online cashback at Rs.2,000 and offline cashback at Rs.2,000, with Rs.4,000 maximum cashback per statement cycle. Exclusions and MCC rules apply, including utility, insurance, fuel, rent, wallet, education, railway, government-related, toll and gaming categories.
Indian Scientist
Axis MyZone RuPay Credit Card
Axis Bank
Axis MyZone RuPay Credit Card
Axis Bank
BeginnerDiningLoungeShopping Annual fee: ₹500 + GST · LTF: No
Rewards: EDGE reward points plus lifestyle offers
Travel: Not officially specified; Conditional domestic lounge access in reference, spend-based.
View full details
Indian Scientist
Axis MyZone RuPay Credit Card
Axis Bank
Axis MyZone RuPay Credit Card
Axis Bank
BeginnerDiningLoungeShopping
Annual fee: ₹500 + GST · LTF: No
Rewards: EDGE reward points plus lifestyle offers
Travel: Not officially specified; Conditional domestic lounge access in reference, spend-based.
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Reference note: waived at ₹1.5 lakh annual spend.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Flipkart Axis Bank Credit Card
Axis Bank / Flipkart
CashbackShoppingOnline shopping Annual fee: ₹500 + GST · LTF: No
Rewards: Statement cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed official terms.
View full details
Flipkart Axis Bank Credit Card
Axis Bank / Flipkart
CashbackShoppingOnline shopping
Annual fee: ₹500 + GST · LTF: No
Rewards: Statement cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed official terms.
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Waived on spends above ₹3.5 lakh.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Quarterly caps apply to Myntra, Flipkart and Cleartrip. Many excluded categories apply.
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
CashbackShoppingOnline shopping Annual fee: ₹500 + GST · LTF: No
Rewards: Statement cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed official terms.
View full details
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
CashbackShoppingOnline shopping
Annual fee: ₹500 + GST · LTF: No
Rewards: Statement cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge benefit found in reviewed official terms.
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Not officially specified
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Quarterly caps apply to Myntra, Flipkart and Cleartrip. Many excluded categories apply.
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
FuelBeginner Annual fee: ₹500 + GST · LTF: No
Rewards: Fuel rewards
Travel: Not officially specified; Verify current issuer terms
View full details
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
FuelBeginner
Annual fee: ₹500 + GST · LTF: No
Rewards: Fuel rewards
Travel: Not officially specified; Verify current issuer terms
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Fee waiver
Reference note: waived at ₹3.5 lakh annual spend.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Airtel Axis Bank RuPay Credit Card
Axis Bank / Airtel
CashbackUtilitiesDiningBeginner Annual fee: ₹500 + GST · LTF: No
Rewards: Statement cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge access after the April 2026 Axis revision; verify latest Axis terms...
View full details
Airtel Axis Bank RuPay Credit Card
Axis Bank / Airtel
CashbackUtilitiesDiningBeginner
Annual fee: ₹500 + GST · LTF: No
Rewards: Statement cashback
Travel: 3.5% foreign currency transaction fee; No complimentary lounge access after the April 2026 Axis revision; verify latest Axis terms...
Joining fee
Nil first year in reviewed reference; verify current offer
Renewal fee
₹500 + GST
Fee waiver
Waived on ₹2 lakh annual spend.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Effective April 2026, Airtel and utility cashback caps are linked to base cashback earned in the same statement month. App-only, merchant, minimum-order and MCC rules apply.
Indian Scientist
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
FuelBeginner Annual fee: ₹499 + GST · LTF: No
Rewards: Fuel rewards
Travel: Not officially specified; Verify current issuer terms
View full details
Indian Scientist
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
FuelBeginner
Annual fee: ₹499 + GST · LTF: No
Rewards: Fuel rewards
Travel: Not officially specified; Verify current issuer terms
Joining fee
₹499 + GST
Renewal fee
₹499 + GST
Fee waiver
Reference note: waived at ₹1.5 lakh spend.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Indian Scientist
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
BeginnerShoppingTravel Annual fee: ₹499 from second year onwards · LTF: No
Rewards: Discounts, coupons and reward points
Travel: Not officially specified; Railway lounge visits in reviewed reference.
View full details
Indian Scientist
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
BeginnerShoppingTravel
Annual fee: ₹499 from second year onwards · LTF: No
Rewards: Discounts, coupons and reward points
Travel: Not officially specified; Railway lounge visits in reviewed reference.
Joining fee
₹499 + GST
Renewal fee
₹499 from second year onwards
Fee waiver
Not officially specified
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Indian Scientist
IDFC FIRST Power Credit Card
IDFC FIRST Bank
IDFC FIRST Power Credit Card
IDFC FIRST Bank
FuelBeginner Annual fee: ₹199 + GST · LTF: No
Rewards: Fuel rewards
Travel: Not officially specified; Verify current issuer terms
View full details
Indian Scientist
IDFC FIRST Power Credit Card
IDFC FIRST Bank
IDFC FIRST Power Credit Card
IDFC FIRST Bank
FuelBeginner
Annual fee: ₹199 + GST · LTF: No
Rewards: Fuel rewards
Travel: Not officially specified; Verify current issuer terms
Joining fee
₹199 + GST
Renewal fee
₹199 + GST
Fee waiver
Reference note: waived at ₹50,000 annual spend.
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Caps, exclusions, merchant-category rules and programme terms can change.
Axis Neo Credit Card
Axis Bank
DiningShoppingBeginnerUtilities Annual fee: ₹250 · LTF: Conditional
Rewards: Discounts and EDGE Reward Points
Travel: 3.5%; No
View full details
Axis Neo Credit Card
Axis Bank
DiningShoppingBeginnerUtilities
Annual fee: ₹250 · LTF: Conditional
Rewards: Discounts and EDGE Reward Points
Travel: 3.5%; No
Joining fee
₹250
Renewal fee
₹250
Fee waiver
Often issued as Lifetime Free during limited-time offers
Salary requirement
Not officially specified
CIBIL requirement
Not officially specified
Reward caps / limits
Requires specific promo codes for Zomato/Blinkit discounts. Minimum spend limits apply.
Search and filter cards
Search benefits, issuer, fee, forex, lounge and risk notes. Always verify latest issuer terms.
Indian Scientist
IndusInd Platinum Credit Card
IndusInd Bank
Lifetime-free / starter
Lifetime-free beginnerBeginnerLifetime-freeShopping
IndusInd Platinum Credit Card
IndusInd Bank
- Joining fee
- Nil
- Annual fee
- Nil
- Lifetime-free
- Yes
- Fee waiver
- Lifetime-free in reviewed reference; verify issuer page.
- Forex markup
- Not officially specified in reviewed issuer page
- Lounge access
- No major airport lounge proposition in reference.
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Beginner, Lifetime-free, Shopping
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Simple lifetime-free starter comparison.
Avoid if: Someone seeking international travel, lounge access or high rewards.
Official details
Apply link coming soon
Online cashbackCashbackShoppingBeginner
CASHBACK SBI Card
SBI Card
- Joining fee
- ₹999 + GST
- Annual fee
- ₹999 + GST
- Lifetime-free
- No
- Fee waiver
- Waived on ₹2 lakh annual spends.
- Forex markup
- 3.5% foreign currency transaction fee
- Lounge access
- No complimentary lounge benefit found in reviewed source.
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Cashback, Shopping, Online shopping, Beginner
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Strong online cashback for disciplined online spenders.
Avoid if: Anyone carrying balances, chasing cashback, or needing low forex.
Indian Scientist
Axis MyZone RuPay Credit Card
Axis Bank
Movie voucher / lounge
Movies, dining and lifestyleBeginnerLoungeShopping
Axis MyZone RuPay Credit Card
Axis Bank
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Lifetime-free
- No
- Fee waiver
- Reference note: waived at ₹1.5 lakh annual spend.
- Forex markup
- Not officially specified
- Lounge access
- Conditional domestic lounge access in reference, spend-based.
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Beginner, Dining, Lounge, Shopping
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Low-fee lifestyle card with movie and conditional lounge use.
Avoid if: Someone choosing a card only for lounge access without checking spend rules.
Official details
Apply link coming soon
Flipkart and Myntra cashbackCashbackShopping
Flipkart Axis Bank Credit Card
Axis Bank / Flipkart
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Lifetime-free
- No
- Fee waiver
- Waived on spends above ₹3.5 lakh.
- Forex markup
- 3.5% foreign currency transaction fee
- Lounge access
- No complimentary lounge benefit found in reviewed official terms.
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Cashback, Shopping, Online shopping
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Balanced comparison pick
Avoid if: Anyone applying only because a headline benefit sounds exciting.
Official details
Apply link coming soon
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
Researcher-ready
FuelCashbackShopping
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Lifetime-free
- No
- Fee waiver
- Not officially specified
- Forex markup
- 3.5% foreign currency transaction fee
- Lounge access
- No complimentary lounge benefit found in reviewed official terms.
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Cashback, Shopping, Online shopping
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Balanced comparison pick
Avoid if: Anyone applying only because a headline benefit sounds exciting.
Official details
Apply link coming soon
Indian Scientist
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
Researcher-ready
FuelBeginner
IndianOil Axis Bank RuPay Credit Card
Axis Bank / IndianOil
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Lifetime-free
- No
- Fee waiver
- Reference note: waived at ₹3.5 lakh annual spend.
- Forex markup
- Not officially specified
- Lounge access
- Verify current issuer terms
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Fuel, Beginner
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Balanced comparison pick
Avoid if: Anyone applying only because a headline benefit sounds exciting.
Official details
Apply link coming soon
Airtel, utilities and foodCashbackBeginner
Airtel Axis Bank RuPay Credit Card
Axis Bank / Airtel
- Joining fee
- Nil first year in reviewed reference; verify current offer
- Annual fee
- ₹500 + GST
- Lifetime-free
- No
- Fee waiver
- Waived on ₹2 lakh annual spend.
- Forex markup
- 3.5% foreign currency transaction fee
- Lounge access
- No complimentary lounge access after the April 2026 Axis revision; verify latest Axis terms.
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Cashback, Utilities, Dining, Beginner
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Balanced comparison pick
Avoid if: Anyone applying only because a headline benefit sounds exciting.
Official details
Apply link coming soon
Indian Scientist
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
Researcher-ready
HPCL fuelBeginner
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Lifetime-free
- No
- Fee waiver
- Reference note: waived at ₹1.5 lakh spend.
- Forex markup
- Not officially specified
- Lounge access
- Verify current issuer terms
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Fuel, Beginner
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Balanced comparison pick
Avoid if: Anyone applying only because a headline benefit sounds exciting.
Official details
Apply link coming soon
Indian Scientist
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
Researcher-ready
Young professionalsBeginnerShoppingTravel
IDFC FIRST SWYP Credit Card
IDFC FIRST Bank
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 from second year onwards
- Lifetime-free
- No
- Fee waiver
- Not officially specified
- Forex markup
- Not officially specified
- Lounge access
- Railway lounge visits in reviewed reference.
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Beginner, Shopping, Travel
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Balanced comparison pick
Avoid if: Anyone applying only because a headline benefit sounds exciting.
Official details
Apply link coming soon
Indian Scientist
IDFC FIRST Power Credit Card
IDFC FIRST Bank
Researcher-ready
Budget HPCL fuelBeginner
IDFC FIRST Power Credit Card
IDFC FIRST Bank
- Joining fee
- ₹199 + GST
- Annual fee
- ₹199 + GST
- Lifetime-free
- No
- Fee waiver
- Reference note: waived at ₹50,000 annual spend.
- Forex markup
- Not officially specified
- Lounge access
- Verify current issuer terms
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Fuel, Beginner
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Balanced comparison pick
Avoid if: Anyone applying only because a headline benefit sounds exciting.
Official details
Apply link coming soon
Shopping & Utility DiscountsShoppingBeginner
Axis Neo Credit Card
Axis Bank
- Joining fee
- ₹250
- Annual fee
- ₹250
- Lifetime-free
- Conditional
- Fee waiver
- Often issued as Lifetime Free during limited-time offers
- Forex markup
- 3.5%
- Lounge access
- No
- Salary / CIBIL
- Not officially specified · CIBIL: Not officially specified
- Best for
- Dining, Shopping, Beginner, Utilities
Caution: Verify current official issuer terms before applying. Approval depends on issuer policy, documentation, income, credit history and internal checks.
Why this fits: Starter-friendly food, grocery, movie, and shopping discounts.
Avoid if: Someone looking for high reward points or travel perks.