Best Credit Cards in India - Compare & Apply Online On Bigtricks

SalarySe City Union Credit Card

4/5 ⭐⭐⭐⭐

UPI Card

• ✓ Lifetime free virtual card
• ✓ Up to 7.5% back on salary day spends via SalarySe UPI
• ✓ ₹1250 welcome gift voucher on approval
• ✓ 1 complimentary domestic lounge visit per month

Joining Fee: N/A

Annual/Renewal Fee: N/A

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Novio Credit Card

4.1/5 ⭐⭐⭐⭐ (320 reviews)

Cashback Rewards

• ✓ ₹250 cashback + 250 Novio Coins as signup welcome bonus
• ✓ Flat 5% discount on Amazon Pay Gift Cards — great for Amazon shoppers
• ✓ Digital-first card with fast online approval
• ✓ Earn Novio Coins on every transaction

Joining Fee: N/A

Annual/Renewal Fee: N/A

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Federal Scapia Credit Card

4.3/5 ⭐⭐⭐⭐ (890 reviews)

Rewards Travel

• ✓ Lifetime Free - Zero joining and annual fees forever
• ✓ Dual network support - Both Visa and RuPay in single card
• ✓ UPI credit payments via RuPay network
• ✓ High reward rate up to 4% on travel bookings via Scapia app

Joining Fee: N/A

Annual/Renewal Fee: N/A

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IDFC FIRST Hello Cashback Credit Card

4.5/5 ⭐⭐⭐⭐ (250 reviews)

Cashback

• ✓ Lifetime free joining fee (promo till Mar 2026)
• ✓ High 5% cashback on online spends above ₹10k
• ✓ 1% cashback on UPI, rent, utilities, insurance
• ✓ Earn FD interest + credit limit simultaneously

Joining Fee: ₹1,000

Annual/Renewal Fee: ₹1,000

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Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI

4.3/5 ⭐⭐⭐⭐ (850 reviews)

Cashback No Annual Fee

• ✓ Lifetime Free - Zero joining fee, zero annual fee, no hidden charges
• ✓ 2% Unlimited Cashback on UPI - One of the highest UPI cashback rates in India
• ✓ ₹1,000 Joining Bonus - Generous welcome bonus on activation
• ✓ 3% Milestone Cashback on ₹25,000+ monthly UPI spends

Joining Fee: N/A

Annual/Renewal Fee: N/A

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Jupiter Edge+ Credit Card

4/5 ⭐⭐⭐⭐ (1122 reviews)

Cashback Travel

• ✓ High cashback rates on shopping (10%) and travel (5%)
• ✓ Lifetime free with no annual charges
• ✓ UPI payment integration
• ✓ Unlimited 1% cashback on other spends

Joining Fee: N/A

Annual/Renewal Fee: N/A

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Tata Neu HDFC Infinity Credit Card

4.6/5 ⭐⭐⭐⭐ (1450 reviews)

Cashback Travel

• ✓ 5% rewards at Tata Neu, BigBasket, Air India, Croma, etc.
• ✓ Complimentary domestic & international lounge access (with quarterly spend milestone)
• ✓ Lucrative referral program (Earn 500 NeuCoins per referral)
• ✓ Integration with Tata Neu app for seamless spending and offers

Joining Fee: ₹1,499

Annual/Renewal Fee: ₹1,499

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PhonePe SBI Card SELECT BLACK Credit Card

4.5/5 ⭐⭐⭐⭐ (112 reviews)

Cashback Rewards

• ✓ Up to 10% rewards for PhonePe and PINCODE app spends
• ✓ 5% reward on extensive online spends (Amazon, Swiggy, Zomato, etc.)
• ✓ 4 complimentary domestic airport lounge visits per year
• ✓ 2-year complimentary Priority Pass membership

Joining Fee: ₹1,499

Annual/Renewal Fee: ₹1,499

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