Institutional Credit Card Intelligence• Quantitative Reward ScoringRBI 2022 Master Direction Compliant
Indian Credit Card Screener & Spend Reward Optimizer
Filter 33 premier Indian credit cards across Lifetime Free, 5% Direct Cashback, Airport Lounge Access, RuPay UPI, and Zero Forex markup. Calculate your personalized net annual reward yields and compare up to 3 cards side-by-side.
Tracked Cards
33 Cards
14 Issuers
Top Reward Yield
16.5% Max
SmartBuy / Travel
0% Forex Cards
13 Cards
≤ 2.0% Markup
RuPay UPI
4 Cards
Scan & Pay
Quantitative Net-Alpha Optimizer
Interactive Spend-to-Reward Calculator
Adjust your monthly household spending sliders below to instantly compute your projected annual cash savings & free flights.
Projected Annual Rewards
₹29,520
Net Reward Yield: 4.56% p.a.
Online Shopping₹20,000/mo
₹0Amazon, Flipkart, Myntra₹1,00,000
Travel & Flights₹15,000/mo
₹0Airlines, Hotels, Cabs₹1,00,000
Dining & Food Apps₹8,000/mo
₹0Swiggy, Zomato, Cafes₹50,000
Fuel & Petrol/Diesel₹5,000/mo
₹0BPCL, IndianOil, HPCL₹30,000
Utilities & WiFi/Electricity₹6,000/mo
₹0Electricity, Gas, Broadband₹30,000
Total Monthly Spend
₹54,000 /mo
Total Annual Spend: ₹6,48,000
✓ Triggers annual fee waivers on 90% of cards in our screener
Showing 33 of 33 tracked cards
RBI Master Direction 2022 Compliant•Grid View
HDFC BankVisa Infinite
5★(98.5)
HDFC Bank Infinia Metal Edition
HNIs, Elite Spenders & Global Jetsetters
The Gold Standard of Indian Cards
Annual Fee
₹12,500
Reward Yield
Up to 16.5%
Est. Annual Value
₹84,500
Standout FeaturesWaiver: ₹10.0L spend
- 5 Reward Points per ₹150 (3.33% base return) with 1:1 redemption on flights & hotels
- Up to 5X Reward Points (16.5% net return) on SmartBuy travel & shopping
- Unlimited domestic & international airport lounge access with complimentary guest visits
✈️ Unlimited Lounge🌐 1.99% Low ForexAPR 23.88%
Axis BankMastercard World Elite
5★(97.2)
Axis Bank Magnus for Burgundy
Burgundy Private Clients & Ultra Luxury Spenders
5:4 Edge Miles Conversion for Burgundy
Annual Fee
₹30,000
Reward Yield
Up to 24%
Est. Annual Value
₹1,12,000
Standout FeaturesWaiver: ₹25.0L spend
- 35 Edge Reward Points per ₹200 (4.8% return rate) on standard retail spends
- 5:4 Miles transfer ratio across 15+ airlines & international hotel programs
- Unlimited domestic & international lounge access with 8 guest visits annually
✈️ Unlimited Lounge🌐 2% Low ForexAPR 42.58%
SBI CardVisa Signature
5★(97)
Cashback SBI Card
Online Shoppers, Foodies & E-Commerce Power Users
Undisputed #1 5% Online Cashback Card
Annual Fee
₹999
Reward Yield
Up to 5%
Est. Annual Value
₹34,800
Standout FeaturesWaiver: ₹2.0L spend
- Flat 5% direct cashback on nearly all online merchant spends (Amazon, Flipkart, Myntra, Swiggy, Zomato)
- Direct statement credit within 2 days of next statement generation
- No merchant partner restrictions — works across any online payment gateway
APR 42%
American ExpressAmex
5★(96.8)
American Express Platinum Card
Ultra HNIs, Global Luxury Travelers & Concierge Seekers
The Global Platinum Concierge & Centurion Lounge Access
Annual Fee
₹66,000
Reward Yield
Up to 12.5%
Est. Annual Value
₹96,000
Standout Features
- 135,000 Membership Rewards points or Taj hotel vouchers worth ₹45,000 on joining
- Unlimited access to Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges globally
- Elite hotel status: Marriott Bonvoy Gold, Hilton Honors Gold, Radisson Rewards Gold
✈️ Unlimited LoungeAPR 45%
ICICI BankVisa Platinum
5★(96.5)
Amazon Pay ICICI Bank Credit Card
Amazon Prime Members & Everyday Online Shoppers
100% Lifetime Free & Uncapped 5% Cashback
Annual Fee
₹0 (Free)
Reward Yield
Up to 5%
Est. Annual Value
₹24,000
Standout Features
- Uncapped 5% cashback on Amazon India for Prime members (3% for non-Prime)
- 2% Cashback on flight bookings, bill recharges, and 100+ partner merchants via Amazon Pay
- 1% Cashback on all other domestic retail spends with zero exclusions
APR 42%
Yes BankMastercard World Elite / Visa Infinite
5★(96.1)
YES Bank MARQUEE Credit Card
High Spenders Wanting Lowest 1% Forex Fee + Unlimited Lounge
Lowest 1.00% Forex Markup in India
Annual Fee
₹4,999
Reward Yield
Up to 4.5%
Est. Annual Value
₹48,000
Standout FeaturesWaiver: ₹10.0L spend
- Market-lowest 1.00% foreign currency markup for international spending
- Unlimited domestic & international airport lounge visits for both primary and guest members
- 60,000 Reward points worth ₹15,000 upon joining fee payment
✈️ Unlimited Lounge🌐 1% Low ForexAPR 35.88%
HDFC BankDiners Club
5★(96)
HDFC Diners Club Black Metal Edition
Frequent Business Flyers & High Net-Worth Individuals
1:1 Airline Miles Redemption
Annual Fee
₹10,000
Reward Yield
Up to 16.5%
Est. Annual Value
₹68,000
Standout FeaturesWaiver: ₹8.0L spend
- 5 Reward Points per ₹150 with 1:1 redemption on KrisFlyer, InterMiles, Club Vistara
- Unlimited domestic & international airport lounge access for primary & add-on members
- Complimentary memberships to Club Marriott, Amazon Prime, and Swiggy One on spends
✈️ Unlimited Lounge🌐 1.99% Low ForexAPR 23.88%
ICICI BankVisa Infinite
5★(95.8)
ICICI Bank Emeralde Private Metal Card
ICICI Private Banking Clients & Luxury Golfers
Lowest 1.50% Forex Markup
Annual Fee
₹12,500
Reward Yield
Up to 6%
Est. Annual Value
₹64,000
Standout FeaturesWaiver: ₹10.0L spend
- 6 Reward Points per ₹200 on all spends with no monthly capping
- Lowest forex markup in super-premium tier at 1.50%
- Unlimited domestic & international airport lounge visits + unlimited golf rounds
✈️ Unlimited Lounge🌐 1.5% Low ForexAPR 23.88%
Axis BankVisa Infinite
5★(95.2)
Axis Bank Atlas Credit Card
Frequent Flyers, Business Travelers & Hotel Stay Seekers
Best Travel Miles Card in India
Annual Fee
₹5,000
Reward Yield
Up to 10%
Est. Annual Value
₹52,000
Standout FeaturesWaiver: ₹15.0L spend
- 5,000 EDGE Miles on first transaction within 30 days (worth up to ₹10,000)
- 5 EDGE Miles per ₹100 on direct airline and hotel bookings (10% reward yield)
- 1:2 Partner miles conversion across Singapore Airlines, Qatar Airways, Accor, Marriott
✈️ 12 Lounge Visits/yrAPR 42.58%
Federal BankVisa Signature
5★(94.8)
Scapia Federal Bank Credit Card
Digital Nomads, Backpackers & International Shoppers
Zero Forex Markup + Unlimited Lounge
Annual Fee
₹0 (Free)
Reward Yield
Up to 4%
Est. Annual Value
₹21,500
Standout Features
- True 0% Foreign Exchange Markup across all international currencies & websites
- Unlimited domestic airport lounge access on spending ₹10,000 per billing cycle
- 10% to 20% Scapia Coins on all domestic & international travel bookings
✈️ Unlimited Lounge🌐 0% Zero ForexAPR 41.88%
IDFC FIRST BankVisa Infinite
5★(94.6)
IDFC FIRST Wealth Credit Card
Low Interest Rate Seekers & Premium Travelers
100% Lifetime Free Metal Look
Annual Fee
₹0 (Free)
Reward Yield
Up to 2.5%
Est. Annual Value
₹22,800
Standout Features
- Zero annual and joining fees for life with no conditional spend requirements
- Dynamic low APR starting at 9.00% to 36.00% per annum based on creditworthiness
- 16 Complimentary domestic and 16 international airport lounge visits + Spa access
✈️ 16 Lounge Visits/yr🌐 1.5% Low ForexAPR 18%
SBI CardMastercard World Elite
5★(94.5)
AURUM by SBI Card
By-Invitation Corporate Executives & Luxury Connoisseurs
By-Invitation Metal Masterpiece
Annual Fee
₹9,999
Reward Yield
Up to 8%
Est. Annual Value
₹58,000
Standout FeaturesWaiver: ₹12.0L spend
- 4 Reward Points per ₹100 spent (worth ₹1 on flight bookings)
- Unlimited international lounge visits with DreamFolks membership
- Complimentary memberships to Club Marriott, Wall Street Journal, and Mint
✈️ Unlimited Lounge🌐 1.99% Low ForexAPR 23.88%
Axis BankMastercard World
5★(94.2)
Airtel Axis Bank Credit Card
Household Utility Bills & Airtel Subscribers
25% Cashback on Telecom & 10% on Utilities
Annual Fee
₹500
Reward Yield
Up to 25%
Est. Annual Value
₹16,800
Standout FeaturesWaiver: ₹2.0L spend
- 25% Cashback on Airtel mobile, broadband, and DTH recharges via Airtel Thanks app
- 10% Cashback on electricity, water, and gas utility bill payments
- 10% Cashback on daily essential apps: Swiggy, Zomato, and BigBasket
✈️ 4 Lounge Visits/yrAPR 42.58%
AU Small Finance BankVisa Signature
5★(94.1)
ixigo AU Small Finance Bank Credit Card
Budget Travelers & Train + Flight Bookers
Zero Forex + 16 Railway & Airport Lounges
Annual Fee
₹0 (Free)
Reward Yield
Up to 5%
Est. Annual Value
₹19,800
Standout Features
- Zero 0% Foreign Currency Markup on international transactions
- 16 Complimentary airport + railway lounge visits across India (4 per quarter)
- 10% Instant discount on flight bookings & zero payment gateway charges on train tickets via ixigo
✈️ 16 Lounge Visits/yr🌐 0% Zero ForexAPR 42%
HDFC BankRuPay Select
5★(93.9)
Tata Neu Infinity HDFC Bank Credit Card
UPI Power Users & Tata Ecosystem Shoppers
RuPay UPI Credit Card Leader (1.5% Back on UPI)
Annual Fee
₹1,499
Reward Yield
Up to 10%
Est. Annual Value
₹29,400
Standout FeaturesWaiver: ₹3.0L spend
- 10% NeuCoins on Tata Neu app purchases (BigBasket, 1mg, Croma, Air India, Taj Hotels, Titan)
- 1.5% NeuCoins on all RuPay UPI merchant QR payments (1 NeuCoin = ₹1)
- 8 Domestic airport lounge passes + 4 International lounge visits per year
📱 RuPay UPI QR✈️ 8 Lounge Visits/yr🌐 2% Low ForexAPR 42%
American ExpressAmex
5★(93.8)
American Express Platinum Travel Credit Card
Milestone Spenders Targeting ₹4 Lakhs Annual Spend
₹40,000 Taj & Travel Vouchers at ₹4L Spend
Annual Fee
₹5,000
Reward Yield
Up to 8%
Est. Annual Value
₹34,000
Standout Features
- 10,000 Membership Rewards points on welcome spend of ₹15,000 in 90 days
- 15,000 Bonus Membership Rewards points on reaching ₹1.90 Lakhs annual spend
- 25,000 Bonus Membership Rewards points + ₹10,000 Taj stay voucher on reaching ₹4 Lakhs spend
✈️ 8 Lounge Visits/yrAPR 42%
HDFC BankMastercard World
5★(93.8)
Swiggy HDFC Bank Credit Card
Food Delivery, Quick Commerce (Instamart) & Dineout Enthusiasts
10% Cashback on Swiggy & Instamart
Annual Fee
₹500
Reward Yield
Up to 10%
Est. Annual Value
₹19,500
Standout FeaturesWaiver: ₹2.0L spend
- 10% Direct Cashback on food delivery, Instamart groceries, and Dineout dining via Swiggy
- 5% Cashback on 1,000+ top online shopping apps (Amazon, Flipkart, Myntra, Nykaa, Uber, Ola)
- 1% Cashback on other spends with automatic Swiggy Money credit
APR 42%
HDFC BankDiners Club
5★(93.6)
Marriott Bonvoy HDFC Bank Credit Card
Luxury Hotel Staycationers & Marriott Loyalists
Free Annual Hotel Night Award
Annual Fee
₹3,000
Reward Yield
Up to 8%
Est. Annual Value
₹36,000
Standout Features
- 1 Free Night Award (up to 15,000 points) redeemable at Marriott hotels worldwide upon joining/renewal
- Silver Elite Status + 10 Elite Night Credits deposited directly every year
- 8 Marriott Bonvoy points per ₹150 spent on participating Marriott properties
✈️ 12 Lounge Visits/yrAPR 42%
Kotak Mahindra BankVisa Infinite
5★(93.5)
Kotak White Reserve Credit Card
Kotak Private Clients & High-Ticket Luxury Spenders
Sleek White Metal Finish & White Pass Vouchers
Annual Fee
₹12,500
Reward Yield
Up to 5%
Est. Annual Value
₹54,000
Standout FeaturesWaiver: ₹10.0L spend
- Earn White Pass value worth up to ₹2.5 Lakhs on annual spends of ₹1 Crore
- Unlimited domestic & international lounge access for cardholder and accompanying guest
- Low forex markup of 2.00% across all international currencies
✈️ Unlimited Lounge🌐 2% Low ForexAPR 42%
HSBC IndiaVisa Signature
5★(93.4)
HSBC Live+ Credit Card
Dining Enthusiasts & Supermarket Grocery Shoppers
10% Cashback on Dining, Food Delivery & Groceries
Annual Fee
₹999
Reward Yield
Up to 10%
Est. Annual Value
₹24,500
Standout FeaturesWaiver: ₹2.0L spend
- 10% Direct statement cashback on dining, food ordering (Zomato/Swiggy), and grocery stores
- 1.5% Unlimited cashback on all other retail transactions
- Monthly dining/grocery cashback cap of ₹1,000 (₹12,000/yr savings)
✈️ 4 Lounge Visits/yrAPR 42%
SBI CardVisa Signature
5★(93.2)
BPCL SBI Card Octane
Car Owners, Commuters & Highway Drivers
7.25% Value Back on BPCL Fuel & Lubricants
Annual Fee
₹1,499
Reward Yield
Up to 7.25%
Est. Annual Value
₹17,500
Standout FeaturesWaiver: ₹2.0L spend
- 25 Reward Points per ₹100 spent at Bharat Petroleum fuel stations (6.25% value back) + 1% surcharge waiver
- 6,000 Bonus reward points (worth ₹1,500 fuel) upon joining fee payment
- 10 Reward Points per ₹100 on dining, groceries, departmental stores & movies
✈️ 4 Lounge Visits/yrAPR 42%
HDFC BankVisa Signature
4★(93.1)
HDFC Bank Millennia Credit Card
Millennial Young Professionals & Digital Natives
5% Cashback on 10 Top Online Brands
Annual Fee
₹1,000
Reward Yield
Up to 5%
Est. Annual Value
₹19,800
Standout FeaturesWaiver: ₹1.0L spend
- 5% Direct CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Uber, Cult.fit
- 1% CashPoints on all other spends and wallet loads
- CashPoints redeemable 1:1 against monthly statement balance
✈️ 4 Lounge Visits/yrAPR 42%
Axis BankVisa Platinum
4★(92.5)
Flipkart Axis Bank Credit Card
Flipkart, Myntra & Cleartrip Regular Shoppers
5% Unlimited Cashback on Flipkart & Myntra
Annual Fee
₹500
Reward Yield
Up to 5%
Est. Annual Value
₹18,200
Standout FeaturesWaiver: ₹3.5L spend
- 5% Unlimited direct cashback on Flipkart and Cleartrip bookings
- 4% Unlimited cashback on preferred partners: Swiggy, Uber, PVR, and Tata Play
- 1% Cashback on all other retail expenditures with zero monthly limits
✈️ 4 Lounge Visits/yrAPR 42.58%
HDFC BankVisa Signature
4★(92.4)
HDFC Bank Regalia Gold Credit Card
Upwardly Mobile Executives & International Holiday Planners
12 Domestic + 6 Int. Lounge Passes
Annual Fee
₹2,500
Reward Yield
Up to 6.66%
Est. Annual Value
₹28,500
Standout FeaturesWaiver: ₹4.0L spend
- 4 Reward Points per ₹150 on retail spends (₹0.50 per point on SmartBuy flight catalog)
- 12 Complimentary domestic airport lounge visits annually across India
- 6 Complimentary international airport lounge visits using Priority Pass
✈️ 12 Lounge Visits/yr🌐 2% Low ForexAPR 42%
SBI CardMastercard World
4★(91.5)
SBI Card Miles Elite
Miles Accumulators Across Air India & Vistara
1.99% Forex Markup + 14 Airport Lounges
Annual Fee
₹4,999
Reward Yield
Up to 6%
Est. Annual Value
₹32,000
Standout FeaturesWaiver: ₹10.0L spend
- 5,000 Travel Credits on fee payment with 1:1 redemption across 20+ airline partners
- 6 Travel Credits per ₹200 on direct travel bookings (3.0% base return)
- 1.99% low foreign currency markup for international spending
✈️ 8 Lounge Visits/yr🌐 1.99% Low ForexAPR 42%
Yes BankRuPay Select
4★(91.2)
Kiwi Axis / Yes Bank RuPay Credit Card
Daily Merchant UPI QR Payments & Kirana Spends
Instant Digital UPI RuPay Card
Annual Fee
₹0 (Free)
Reward Yield
Up to 2%
Est. Annual Value
₹8,500
Standout Features
- Flat 1% to 2% direct cashback on scan & pay UPI payments across all merchant QR codes
- Instant digital card issuance within 5 minutes directly on your phone
- 100% Lifetime Free with zero hidden charges or annual fees
📱 RuPay UPI QR✈️ 2 Lounge Visits/yrAPR 42%
ICICI BankMastercard & Amex Dual
4★(91)
ICICI Bank Sapphiro Credit Card
Premium Corporate Employees & Alumni Program Beneficiaries
Alumni Offer: Frequently Free for Life
Annual Fee
₹3,500
Reward Yield
Up to 2%
Est. Annual Value
₹26,500
Standout FeaturesWaiver: ₹6.0L spend
- Dual card advantage (Mastercard World + American Express) in one single credit limit
- 16 Domestic lounge visits per year + 2 International lounge visits with DragonPass
- Buy 1 Get 1 free movie ticket up to ₹500 twice a month on BookMyShow
✈️ 16 Lounge Visits/yrAPR 42%
Standard CharteredVisa Platinum
4★(90.8)
Standard Chartered EaseMyTrip Credit Card
Flight & Hotel Discount Seekers
Flat 20% Off Hotels & 10% Off Flights
Annual Fee
₹350
Reward Yield
Up to 10%
Est. Annual Value
₹15,400
Standout FeaturesWaiver: ₹0.5L spend
- Flat 20% Instant discount on domestic & international hotel bookings on EaseMyTrip
- Flat 10% Instant discount on domestic & international flight tickets
- 1 Domestic lounge visit per quarter + 2 International visits per year
✈️ 4 Lounge Visits/yrAPR 42%
RBL BankMastercard Platinum
4★(90.5)
Play Credit Card by RBL Bank & BookMyShow
Movie Buffs, Concert Goers & Event Enthusiasts
2 Free Movie Tickets Every Month (₹500/mo)
Annual Fee
₹500
Reward Yield
Up to 10%
Est. Annual Value
₹13,200
Standout FeaturesWaiver: ₹1.5L spend
- 2 Free movie tickets worth ₹250 each every month on BookMyShow upon spending ₹5,000 in a billing cycle
- ₹100 Monthly discount on food & beverage snacks at movie theaters via BookMyShow
- ₹500 BookMyShow welcome gift voucher upon card activation
APR 42%
IndusInd BankVisa Signature
4★(90.2)
IndusInd Bank Legend Credit Card
Weekend Spenders Seeking Lifetime Free Visa Signature Card
100% Lifetime Free Visa Signature
Annual Fee
₹0 (Free)
Reward Yield
Up to 1.5%
Est. Annual Value
₹14,800
Standout Features
- 100% Lifetime Free with no joining fee or annual renewal charges
- 1 Reward Point per ₹100 on weekday spends; 2 Reward Points per ₹100 on weekend spends
- Buy 1 Get 1 free movie ticket on BookMyShow up to ₹200 thrice per month
✈️ 4 Lounge Visits/yrAPR 42%
HDFC BankRuPay / Visa
4★(89.6)
IndianOil HDFC Bank Credit Card
Two-Wheeler & Daily City Commuters Fueling at IOCL
Up to 50 Litres Free Fuel Annually
Annual Fee
₹500
Reward Yield
Up to 5%
Est. Annual Value
₹9,600
Standout FeaturesWaiver: ₹0.5L spend
- 5% Fuel points on IndianOil outlets (maximum 250 fuel points per month)
- 5% Fuel points on groceries and bill payments via SmartPay
- Fuel points redeemable directly for fuel through IndianOil XTRAREWARDS program
📱 RuPay UPI QRAPR 42%
ICICI BankVisa Platinum
4★(89.2)
HPCL ICICI Bank Super Saver Credit Card
HPCL Fuel Station Customers & Utility Bill Spenders
5% Total Savings on Fuel & 1 Lounge / Quarter
Annual Fee
₹500
Reward Yield
Up to 5%
Est. Annual Value
₹10,400
Standout FeaturesWaiver: ₹1.5L spend
- 4% Cashback on HPCL fuel purchases via HP Pay app + 1% surcharge waiver
- 5% Cashback on utility bills (electricity, water, gas) and departmental store spends
- 1 Domestic airport lounge visit per quarter on spending ₹35,000
✈️ 4 Lounge Visits/yrAPR 42%
ICICI BankRuPay Platinum
4★(88.5)
ICICI Bank Coral RuPay Credit Card
ICICI Account Holders Seeking UPI Credit Card Linked to GPay
1 Domestic Airport & 1 Railway Lounge per Quarter
Annual Fee
₹500
Reward Yield
Up to 1%
Est. Annual Value
₹7,200
Standout FeaturesWaiver: ₹1.5L spend
- Linkable to BHIM, PhonePe, Google Pay, and Paytm for seamless UPI payments
- 1 Complimentary domestic airport lounge access + 1 railway lounge visit per quarter on spending ₹35,000
- 25% Discount up to ₹100 on movie tickets on BookMyShow & Inox twice a month
📱 RuPay UPI QR✈️ 4 Lounge Visits/yrAPR 42%
Frequently Asked Questions: Credit Cards & Reward Optimization
How is the Net Annual Reward Value calculated on InvestResearch?
Our quantitative model computes Net Annual Reward Value by aggregating: (1) Direct statement cashback, (2) Monetary value of reward points on flights & hotels, (3) Free domestic/international airport lounge visits valued at ₹1,200 per visit, MINUS the annual renewal fee, taking into account statutory spend-based milestone fee waivers.
What is an RBI Most Important Terms and Conditions (MITC) disclosure?
Under the Reserve Bank of India (RBI) Master Direction on Credit Card Issuance (2022), every card issuer must transparently disclose the Annualized Percentage Rate (APR) interest charges (typically 23.88% to 45% p.a.), cash advance fees, and late payment penalties before application.
Does checking pre-approved eligibility impact my CIBIL credit score?
No. Comparing cards and checking pre-qualification through our portal performs a soft inquiry which has zero impact on your official CIBIL credit score. A hard credit pull is only conducted once you formally submit the application on the bank's encrypted portal.
Which Indian credit card offers the highest direct online cashback?
Currently, Cashback SBI Card offers 5% direct cashback on almost all online merchant transactions (up to ₹5,000 monthly cashback), while Amazon Pay ICICI Bank Credit Card offers an uncapped 5% cashback on Amazon with zero annual fees for life.
What are the benefits of RuPay UPI Credit Cards?
RuPay credit cards can be linked directly to UPI payment apps (Google Pay, PhonePe, Paytm, BHIM, Cred) allowing you to scan any merchant QR code and pay directly from your credit line with up to 50 days of interest-free credit while earning reward points.
Which credit cards offer 0% Zero Forex Markup for international travel?
Cards such as Federal Scapia, AU ixigo, RBL World Safari, and Yes Bank Marquee offer 0% or ultra-low foreign exchange markups (compared to the standard 3.5% + 18% GST charged by traditional cards), saving ₹4,130 for every ₹1,00,000 spent overseas.
Statutory Regulatory Disclosure — RBI Master Direction 2022
InvestResearch India operates as an independent financial research and technology portal and is NOT a bank, Non-Banking Financial Company (NBFC), or Direct Selling Agent (DSA). We do not issue credit cards, extend credit, or make underwriting decisions. All credit card approvals, interest charges (APR), credit limits, and fee waivers are determined exclusively by the respective issuing banks (HDFC Bank, SBI Card, ICICI Bank, Axis Bank, American Express, Federal Bank, IDFC FIRST Bank, Kotak Mahindra Bank, IndusInd Bank, AU Small Finance Bank, Yes Bank, RBL Bank, Standard Chartered, HSBC India) subject to applicant creditworthiness. Credit card dues must be repaid in full by the due date to avoid finance charges.