Best Credit Card for Families in India 2020

There are many cards in India that can offer great rewards through general family expenses. We have reviewed hundreds of credit cards and narrowed down the options that would best benefit families the best based on various relevant categories.

Best Cashback Credit Card:
Best Grocery Credit Card:
Best Dining Credit Card:
Best Shopping Credit Card:
Best Snapdeal Platform Credit Card:
Best Fuel Credit Card:
Best Utility Credit Card:
Best Student Credit Card:
Best Travel Credit Cards:
No-Fee Card:
Best Against Fixed Deposit:
Best Non-Resident Indian Credit Card:

Best Cashback Credit Card: Standard Chartered Ultimate

  • Rewards rate of 3.33% on all spending categories
  • Promotions: Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points
  • Free Supplementary Cards
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India)
  • 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month
  • Air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage
  • Free Supplementary Cards
  • Read Our Review
The Standard Chartered Ultimate Credit Card is the best cashback option for individuals looking to acquire a card that earns great cashback. The card earns a high cashback rate of 3.33% (5 points per Rs. 150, 1 point = Rs. 1) across all spending categories. The high reward rate will prove to be valuable to a family using the card on all their spending needs. Furthermore, the card offers an excellent sign-up bonus of up to Rs. 10,000 cashback on MakeMyTrip tickets. Additionally, the card allows for additional family members to receive supplementary cards for free. The Standard Chartered Ultimate Credit Card is a great versatile option for individuals looking for a strong cashback card to use on multiple categories.
  • Rewards rate of 3.33% on all spending categories
  • Promotions: Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India)
  • 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month
  • Air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage
  • Free to receive supplementary cards
The Standard Chartered Ultimate Credit Card is the best cashback option for individuals looking to acquire a card that earns great cashback. The card earns a high cashback rate of 3.33% (5 points per Rs. 150, 1 point = Rs. 1) across all spending categories. The high reward rate will prove to be valuable to a family using the card on all their spending needs. Furthermore, the card offers an excellent sign-up bonus of up to Rs. 10,000 cashback on MakeMyTrip tickets. Additionally, the card allows for additional family members to receive supplementary cards for free. The Standard Chartered Ultimate Credit Card is a great versatile option for individuals looking for a strong cashback card to use on multiple categories.

Best Card for Groceries: Kotak Essentia Platinum Credit Card

  • 10% cashback on all grocery and shopping spends
  • Promotions: Spend ₹ 125,000 every 6 months and get 1200 points (Up to 2400 points per year) OR Spend ₹ 125,000 every 6 months and get 6 free PVR tickets (max 12 per year)
  • Read Our Review
  • First Year Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 points per Rs. 100 on grocery and shopping spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends
  • Supplementary cards incur a fee of Rs. 299 (maximum of 3)
The Kotak Mahindra Essentia Platinum Card is a great option for individuals looking for a grocery and shopping card. The cards earns a best-in-market 10% rewards rate (10 points per Rs. 100 spent; 1 point = Rs. 1) for groceries. Additionally, the card earns a 10% rewards rate on shopping, ranking the card as number two for the shopping category. However, eligible transactions must meet the minimum of Rs. 1,500 and points are capped at Rs. 500 monthly across total shopping and grocery store spending.


For high spenders or families that may reach the cap rather quickly, the Kotak Essentia Card provides a great promotion of 1,200 points once the cardholder surpasses a Rs. 125,000 spending limit every 6 months. The 1,200 points can also help maximize rewards and offset the Rs. 500 monthly cap on groceries and shopping that high spenders may hit. Lastly, the Kotak Essentia Platinum Card will earn the cardholder a relatively low rewards rate of 0.40% on all other spending categories. Therefore, this card is clearly a better fit for those looking for grocery and shopping rewards.

  • 10% cashback on all grocery and shopping spends
  • Promotions: Spend ₹ 125,000 every 6 months and get 1200 points (Up to 2400 points per year) OR Spend ₹ 125,000 every 6 months and get 6 free PVR tickets (max 12 per year)
  • Read Our Review
  • First Year Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 points per Rs. 100 on grocery and shopping spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends
  • Supplementary cards incur a fee of Rs. 299 (maximum of 3)
The Kotak Mahindra Essentia Platinum Card is a great option for individuals looking for a grocery and shopping card. The cards earns a best-in-market 10% rewards rate (10 points per Rs. 100 spent; 1 point = Rs. 1) for groceries. Additionally, the card earns a 10% rewards rate on shopping, ranking the card as number two for the shopping category. However, eligible transactions must meet the minimum of Rs. 1,500 and points are capped at Rs. 500 monthly across total shopping and grocery store spending.


For high spenders or families that may reach the cap rather quickly, the Kotak Essentia Card provides a great promotion of 1,200 points once the cardholder surpasses a Rs. 125,000 spending limit every 6 months. The 1,200 points can also help maximize rewards and offset the Rs. 500 monthly cap on groceries and shopping that high spenders may hit. Lastly, the Kotak Essentia Platinum Card will earn the cardholder a relatively low rewards rate of 0.40% on all other spending categories. Therefore, this card is clearly a better fit for those looking for grocery and shopping rewards.

Best Card for Dining: Kotak Delight Platinum Credit Card

  • 10% cashback on dining and movies
  • Promotions: Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets
  • Read Our Review
  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)
  • Supplementary cards incur a fee of Rs. 299 (maximum of 3)
The Kotak Delight Platinum Card is a great option for those looking to acquire a acquire a card for both dining and movie spending. To begin, the card provides cardholders with the highest cashback for both the dining and movie spending categories at 10%. Notably, to receive these great rates the maximum transaction amount must be Rs. 4,000 and the max cashback for dining and movies combined is Rs. 600 per month. Unfortunately, to redeem these rewards the cardholder must spend Rs. 10,000 each month on categories other than dining and movies, keeping in mind that no other category earns rewards on this card.


Still, the card offers a great anniversary bonus of Rs. 750 (or 4 free PVR tickets) after the cardholder reaches Rs. 125,000 per month. This promotion helps offset the Rs. 600 monthly cap on dining and movies, for higher spenders. Therefore, this card is a great option for high spending families looking for a card to use on dining and movies.

  • 10% cashback on dining and movies
  • Promotions: Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets
  • Read Our Review
  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)
  • Supplementary cards incur a fee of Rs. 299 (maximum of 3)
The Kotak Delight Platinum Card is a great option for those looking to acquire a acquire a card for both dining and movie spending. To begin, the card provides cardholders with the highest cashback for both the dining and movie spending categories at 10%. Notably, to receive these great rates the maximum transaction amount must be Rs. 4,000 and the max cashback for dining and movies combined is Rs. 600 per month. Unfortunately, to redeem these rewards the cardholder must spend Rs. 10,000 each month on categories other than dining and movies, keeping in mind that no other category earns rewards on this card.


Still, the card offers a great anniversary bonus of Rs. 750 (or 4 free PVR tickets) after the cardholder reaches Rs. 125,000 per month. This promotion helps offset the Rs. 600 monthly cap on dining and movies, for higher spenders. Therefore, this card is a great option for high spending families looking for a card to use on dining and movies.

Best Shopping Card: FBB SBI STYLEUP Credit Card

  • 10% off and an additional 2.5% rewards rate on Big Bazaar spends
  • Promotions: Sign-Up Bonus: ₹ 500 FBB gift voucher
  • Renewal Benefit: 2,000 Reward Points (worth ₹ 500)
  • Free Supplementary Cards
  • Annual Fee: Rs. 499
  • Welcome Gift: Rs. 500 FBB gift voucher
  • Renewal Gift: 2,000 Reward Points
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
The FBB SBI STYLEUP is the best shopping card available due to its strong discounts and decently high rewards rates. The card offers a flat discount of 10% and an additional 2.5% rewards rate (10 points per Rs. 100 spent, 1 point = Rs. 0.25) on transactions at FBB or Big Bazaar, these large retailers bring in the majority of the value for the card. Cardholders will also earn a rewards rate of 2.5% at Food Bazaar and all other dining transactions. Additionally, the STYLEUP card offers a sign-up bonus Fbb voucher of Rs. 500 and an anniversary bonus of 2,000 points (Rs. 500) which could be used to offset the Rs. 499 fee. Unfortunately, cardholders earn a low 0.25% rewards rate on all other spends except fuel (1 point per Rs. 100, 1 point = Rs. 0.25). In all, this is a great option for individuals looking to acquire a card that offers great rewards on shopping.
  • 10% off and an additional 2.5% rewards rate on Big Bazaar spends
  • Promotions: Sign-Up Bonus: ₹ 500 FBB gift voucher
  • Renewal Benefit: 2,000 Reward Points (worth ₹ 500)
  • Free Supplementary Cards
  • Annual Fee: Rs. 499
  • Welcome Gift: Rs. 500 FBB gift voucher
  • Renewal Gift: 2,000 Reward Points
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
The FBB SBI STYLEUP is the best shopping card available due to its strong discounts and decently high rewards rates. The card offers a flat discount of 10% and an additional 2.5% rewards rate (10 points per Rs. 100 spent, 1 point = Rs. 0.25) on transactions at FBB or Big Bazaar, these large retailers bring in the majority of the value for the card. Cardholders will also earn a rewards rate of 2.5% at Food Bazaar and all other dining transactions. Additionally, the STYLEUP card offers a sign-up bonus Fbb voucher of Rs. 500 and an anniversary bonus of 2,000 points (Rs. 500) which could be used to offset the Rs. 499 fee. Unfortunately, cardholders earn a low 0.25% rewards rate on all other spends except fuel (1 point per Rs. 100, 1 point = Rs. 0.25). In all, this is a great option for individuals looking to acquire a card that offers great rewards on shopping.

Best Credit Card for Online Shopping: Snapdeal HDFC Credit Card

  • 11.67% on Snapdeal
  • Promotions: Sign-up Bonus: Snapdeal Vouchers worth ₹ 2,250 (₹ 2,000 in direct vouchers, 500 points redeemable for ₹ 250 in vouchers)
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
  • Free Supplementary Cards (maximum of 3)
The Snapdeal HDFC Bank Card is the most attractive card for online shopping due to the great rewards and earnings cardholders receive from the Snapdeal platform. For example, cardholders receive an excellent rewards rate of 11.67% from Snapdeal shopping transactions (20 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers + a 5% instant discount), which can be useful for families that prefer to use the Snapdeal platform.


A downside to this card; however, is that you will earn an average rewards rate of 0.67% (2 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers) on all other spending (excluding fuel). This credit card is ideal for those looking to shop on Snapdeal.

  • 11.67% on Snapdeal
  • Promotions: Sign-up Bonus: Snapdeal Vouchers worth ₹ 2,250 (₹ 2,000 in direct vouchers, 500 points redeemable for ₹ 250 in vouchers)
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
  • Free Supplementary Cards (maximum of 3)
The Snapdeal HDFC Bank Card is the most attractive card for online shopping due to the great rewards and earnings cardholders receive from the Snapdeal platform. For example, cardholders receive an excellent rewards rate of 11.67% from Snapdeal shopping transactions (20 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers + a 5% instant discount), which can be useful for families that prefer to use the Snapdeal platform.


A downside to this card; however, is that you will earn an average rewards rate of 0.67% (2 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers) on all other spending (excluding fuel). This credit card is ideal for those looking to shop on Snapdeal.

Best Credit Card for Fuel: Standard Chartered Super Value Titanium Credit Card

  • 5% net cashback on fuel spends
  • 5% cashback on utilities
  • 5% cashback on phone bill
  • 1 free lounge visit per month
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 750 (waived for Premium Banking customers)
  • Reward Earn Rate: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)
  • Free Supplementary Cards
The Standard Chartered Super Value Titanium Credit Card offers the highest rewards across all fuel vendors. The card offers an excellent net cashback of 5% on all fuel spends. Notably, this cashback rate is only eligible for transactions of at least Rs. 750. Additionally, the Super Value Titanium card offers the same great cashback rate on both phone and utility bill transactions, making it a good fit for families that spend a lot on fuel as well as their mobile plans.. Unfortunately, the rewards rate for all other spending categories is below average at 0.16% (1 point per Rs. 150, 1 point = Rs. 0.24). Therefore, the Standard Chartered Super Value Titanium Credit Card is best for those looking to acquire a card for fuel, utility, and phone spending.
  • 5% cashback on fuel spends
  • 5% cashback on utilities
  • 5% cashback on phone bill
  • 1 free lounge visit per month
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 750 (waived for Premium Banking customers)
  • Reward Earn Rate: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)
  • Free Supplementary Cards
The Standard Chartered Super Value Titanium Credit Card offers the highest rewards across all fuel vendors. The card offers an excellent net cashback of 5% on all fuel spends. Notably, this cashback rate is only eligible for transactions of at least Rs. 750. Additionally, the Super Value Titanium card offers the same great cashback rate on both phone and utility bill transactions, making it a good fit for families that spend a lot on fuel as well as their mobile plans.. Unfortunately, the rewards rate for all other spending categories is below average at 0.16% (1 point per Rs. 150, 1 point = Rs. 0.24). Therefore, the Standard Chartered Super Value Titanium Credit Card is best for those looking to acquire a card for fuel, utility, and phone spending.

Best Credit Card for Utility Bills: SBI Card PRIME

  • Promotions: Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
SBI Card PRIME is the best option for those looking to acquire a card to pay their utility bills. On utility payments, the card earns 5% back, which is the top rate in India (20 points per Rs. 100 spent; 4 points = Rs. 1 cashback). Additionally, the card offers 3.75% back (15 points per Rs. 100 spent) on online groceries from BigBasket and some select Reliance brands (including grocery, shopping stores and footwear). Moreover, the card has high earnings rates on general dining, groceries, department stores and movie spends at 2.50% (10 points per Rs. 100 spent), and all other spends will net the cardholder a rewards rate of 0.50% (2 points per Rs. 100).


In regards to promotions, the card has a great sign-up bonus in the form of vouchers to Yatra or other brands. Furthermore, the SBI Card PRIME comes with some great travel perks as well where the cardholder will receive 4 free international and 8 free domestic airport lounge visits per year. This card is a great asset for any individual looking to acquire a card for their utility bill payments with good rates on groceries and solid perks.

  • Promotions: Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000
  • Free Supplemental Cards
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
  • Read Our Review
SBI Card PRIME is the best option for those looking to acquire a card to pay their utility bills. On utility bill payments, the cardholder will receive an excellent rewards rate of 5% (20 points per Rs. 100 spent; 4 points = Rs. 1 cashback). Additionally, the card offers 3.75% back (15 points per Rs. 100 spent) on online groceries from BigBasket and some select Reliance brands (including grocery, shopping stores and footwear). Moreover, the card has high earnings rates on general dining, groceries, department stores and movie spends at 2.50% (10 points per Rs. 100 spent), and all other spends will net the cardholder a rewards rate of 0.50% (2 points per Rs. 100).


In regards to promotions, the card has a great sign-up bonus in the form of vouchers to Yatra or other brands. Furthermore, the SBI Card PRIME comes with some great travel perks as well where the cardholder will receive 4 free international and 8 free domestic airport lounge visits per year. This card is a great asset for any individual looking to acquire a card for their utility bill payments with good rates on groceries and solid perks.

Best Student Credit Card: BOB Financial Prime Credit Card

  • Minimum requirement of Rs. 15,000 deposit, lowest among all other cards
  • 1% rewards on all spending categories
  • Free Supplementary Cards
  • Read Our Review
  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Free Supplementary Cards (maximum of 3)
  • Annual fee is not charged to supplementary cardholder
The BOB Financial Prime Card is the ideal option for those looking to acquire a student cashback card. The cardholder receives a solid 1% cashback (4 points per Rs. 100 spent, 4 points = Rs. 1), an above average cashback rate when compared to other cards against fixed deposit. Additionally, this card is great because it has the lowest minimum deposit requirement (Rs. 15,000) and does not incur any annual fee. The BOB Financial Prime Credit Card has the best value for students in search of a competitive cashback rate with no fee and low minimum deposit requirement.
  • Minimum requirement of Rs. 15,000 deposit, lowest among all other cards
  • 1% rewards on all spending categories
  • Free Supplementary Cards
  • Read Our Review
  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Free Supplementary Cards (maximum of 3)
  • Annual fee is not charged to supplementary cardholder
The BOB Financial Prime Card is the ideal option for those looking to acquire a student cashback card. The cardholder receives a solid 1% cashback (4 points per Rs. 100 spent, 4 points = Rs. 1), an above average cashback rate when compared to other cards against fixed deposit. Additionally, this card is great because it has the lowest minimum deposit requirement (Rs. 15,000) and does not incur any annual fee. The BOB Financial Prime Credit Card has the best value for students in search of a competitive cashback rate with no fee and low minimum deposit requirement.

Best Travel Rewards Credit Cards for Families

Travel cards are often the most valuable cards for families as they earn high rewards off of the high transaction amounts due to multiple ticket purchases, these cards can save the family money on trips through the rewards that can be applied to perks and promotions. Families that fly often may want to choose a travel card depending on the preferred airline and travel habits.

Best Cashback Travel Card: Standard Chartered Yatra Platinum Credit Card

  • 10% cashback on travel bookings
  • Promotions: Sign-Up Bonus: Yatra vouchers worth ₹ 4,000
  • Free supplementary cards
  • Read Our Review
  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month), 4 points per Rs. 100 spent on Yatra travel bookings, 2 points per Rs. 100 spent on all other spending categories
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme
  • Free supplementary cards
The Standard Chartered Yatra Platinum Credit Card is excellent for families that tend to frequently book using Yatra. The card offers a great cashback rate of 10% on all travel bookings with Yatra—including domestic and international flights, and hotel bookings. Cardholders also receive a great flight cancellation perk that allows all flights booked through Yatra to be cancelled without any fees. Alongside the 10% cashback rate, families with the Yatra Platinum Card will receive a 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all travel bookings made through Yatra.


Unfortunately, the card offers a relatively low rewards rate of 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all other spending categories. Still, due to the high cashback rate, this card remains to be the best card for families that are interested in acquiring a card to use exclusively for travel bookings.

  • 10% cashback on travel bookings
  • Promotions: Sign-Up Bonus: Yatra vouchers worth ₹ 4,000
  • Free supplementary cards
  • Read Our Review
  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month), 4 points per Rs. 100 spent on Yatra travel bookings, 2 points per Rs. 100 spent on all other spending categories
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme
  • Free supplementary cards
The Standard Chartered Yatra Platinum Credit Card is excellent for families that tend to frequently book using Yatra. The card offers a great cashback rate of 10% on all travel bookings with Yatra—including domestic and international flights, and hotel bookings. Cardholders also receive a great flight cancellation perk that allows all flights booked through Yatra to be cancelled without any fees. Alongside the 10% cashback rate, families with the Yatra Platinum Card will receive a 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all travel bookings made through Yatra.


Unfortunately, the card offers a relatively low rewards rate of 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all other spending categories. Still, due to the high cashback rate, this card remains to be the best card for families that are interested in acquiring a card to use exclusively for travel bookings.

Best JetPrivilege Travel Card: JetPrivilege HDFC Bank Diners Club

  • 2x on InterMiles spending and 2.5x on Etihad Airways bookings
  • Promotions: Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel, 16 InterMiles on Intermiles per Rs. 150 on InterMiles bookings, 20 InterMiles per Rs. 150 on Etihad bookings
  • Est. Point Value: 1 interMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
  • Free Supplementary Cards (maximum of 3)
The JetPrivilege HDFC Bank Diners Club Credit Card is an excellent travel card for individuals who prefer to book flights on InterMiles. First, the card earns a great 2.4% rewards rate (8 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) on all spending categories apart from fuel. Additionally, the card provides cardholders with a 4.8% (24 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) rewards rate when booking on InterMiles, and another 5% off base fare tickets. Furthermore, the card offers increased rewards on bookings done for Etihad Airways with a rewards rate of 6.0% (20 Intermiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45). On top of this, consumers are given an additional 5% discount on economy tickets and 10% discount on business ticket purchases.


Furthermore, the card is that the card offers great sign-up and renewal bonuses. The card also provides high spenders with an opportunity earn more InterMiles once surpassing certain spend limits. The card also offers Diners Club Lounge access. This is the best card for families looking to maximize the rewards on flight bookings and receiving travel perks.

  • 2x on InterMiles spending and 2.5x on Etihad Airways bookings
  • Promotions: Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel, 16 miles on InterMiles per Rs. 150 on InterMiles bookings, 20 InterMiles per Rs. 150 on Etihad bookings
  • Est. Point Value: 1 interMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
  • Free Supplementary Cards (maximum of 3)
The JetPrivilege HDFC Bank Diners Club Credit Card is an excellent travel card for individuals who prefer to book flights on InterMiles. First, the card earns a great 2.4% rewards rate (8 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) on all spending categories apart from fuel. Additionally, the card provides cardholders with a 4.8% (24 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) rewards rate when booking on InterMiles, and another 5% off base fare tickets. Furthermore, the card offers increased rewards on bookings done for Etihad Airways with a rewards rate of 6.0% (20 Intermiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45). On top of this, consumers are given an additional 5% discount on economy tickets and 10% discount on business ticket purchases.


Furthermore, the card is that the card offers great sign-up and renewal bonuses. The card also provides high spenders with an opportunity earn more InterMiles once surpassing certain spend limits. The card also offers Diners Club Lounge access. This is the best card for families looking to maximize the rewards on flight bookings and receiving travel perks.

Best Air India International Spending Card: Air India SBI Signature Credit Card

  • 13.5% on Air India flight bookings
  • Promotions: Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
The Air India SBI Signature Card is a great option for families that tend to fly Air India. In terms of traveling, the card earns a huge rewards rate of 13.5% (30 points per Rs. 100 spent) specifically on all Air India travel bookings for the cardholder and 4.50% for others. Additionally, The card offers a high 1.8% rewards rate (4 points on Rs. 100 spends, 1 Reward Point = 1 Airline Mile = Rs. 0.45) across all spending categories making it perfect for family use.
Furthermore, the Air India SBI Signature Card incentivizes consumers to apply for the card through the largest sign-up bonus in our review, which can be applied to the annual fee (Rs. 4,999). Additionally, high spenders are given an opportunity to earn elevated rewards by surpassing certain spending thresholds. Through this card, if the cardholder spends Rs. 2,000,000 they will receive 50,000 points, if they spend Rs. 1,000,000 they will receive 30,000 points and those that spend Rs. 500,000 will receive 20,000 points. The Air India SBI Signature Card is a great general spending and Air India transactions option with benefits that be best utilized by high spenders and recurring travellers.
  • 13.5% on Air India flight bookings
  • Promotions: Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
The Air India SBI Signature Card is a great option for families that tend to fly Air India. In terms of traveling, the card earns a huge rewards rate of 13.5% (30 points per Rs. 100 spent) specifically on all Air India travel bookings for the cardholder and 4.50% for others. Additionally, The card offers a high 1.8% rewards rate (4 points on Rs. 100 spends, 1 Reward Point = 1 Airline Mile = Rs. 0.45) across all spending categories making it perfect for family use.
Furthermore, the Air India SBI Signature Card incentivizes consumers to apply for the card through the largest sign-up bonus in our review, which can be applied to the annual fee (Rs. 4,999). Additionally, high spenders are given an opportunity to earn elevated rewards by surpassing certain spending thresholds. Through this card, if the cardholder spends Rs. 2,000,000 they will receive 50,000 points, if they spend Rs. 1,000,000 they will receive 30,000 points and those that spend Rs. 500,000 will receive 20,000 points. The Air India SBI Signature Card is a great general spending and Air India transactions option with benefits that be best utilized by high spenders and recurring travellers.

Best Card for Yatra Discounts: Yatra SBI Credit Card

  • Promotions: Sign-Up Bonus: 7 Yatra vouchers totaling ₹ 8,250 (flights, hotels, holiday packages)
  • Anniversary Benefit: ₹ 1,000 off on domestic flight bookings (min. transaction of ₹ 5,000) and ₹ 4,000 off on international flight bookings (min. transaction of ₹ 40,000)
  • 20% off domestic hotels with a min.transaction of ₹ 3,000. Max. discount of ₹ 2,000
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
The Yatra SBI Credit Card offers the best domestic hotel discounts on the Yatra platform. Cardholders receive 6 discounts of up to 20% off on domestic hotel bookings per year. This is a solid perk that can be applied to your next family vacation.


On top of this, the card earns a decent rate of 1.5% on all overseas transactions, department stores, grocery stores, dining, movies and entertainment spending categories (6 Reward Points per Rs. 100, 25% redemption rate for Yatra vouchers). Unfortunately, the Yatra SBI Card earns a fairly low 0.25% rewards rate on all other spending, making it a less than ideal card for most consumers. Nonetheless, with the 20% discount on domestic hotels, you may be able to significantly reduce the expense of your next family vacation.

  • Promotions: Sign-Up Bonus: 7 Yatra vouchers totaling ₹ 8,250 (flights, hotels, holiday packages)
  • Anniversary Benefit: ₹ 1,000 off on domestic flight bookings (min. transaction of ₹ 5,000) and ₹ 4,000 off on international flight bookings (min. transaction of ₹ 40,000)
  • 20% off domestic hotels with a min.transaction of ₹ 3,000. Max. discount of ₹ 2,000
  • Free Supplementary Cards
  • Read Our Review
  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month
  • Free Supplementary Cards (maximum of 2)
  • Annual fee is not charged to supplementary cardholder
The Yatra SBI Credit Card offers the best domestic hotel discounts on the Yatra platform. Cardholders receive 6 discounts of up to 20% off on domestic hotel bookings per year. This is a solid perk that can be applied to your next family vacation.


On top of this, the card earns a decent rate of 1.5% on all overseas transactions, department stores, grocery stores, dining, movies and entertainment spending categories (6 Reward Points per Rs. 100, 25% redemption rate for Yatra vouchers). Unfortunately, the Yatra SBI Card earns a fairly low 0.25% rewards rate on all other spending, making it a less than ideal card for most consumers. Nonetheless, with the 20% discount on domestic hotels, you may be able to significantly reduce the expense of your next family vacation.

Best No-Fee Card: Indusind Bank Pioneer Legacy

  • Earn 2% on weekends, free movie tickets
  • Promotions: Sign-Up Bonus: Oberi Hotel or Genesis Luxury vouchers
  • Anniversary Bonus: 6,000 points on Rs. 600,000 spend within one year from card issuance
  • Free Supplementary Cards
  • Reward Earn Rate: 1 point/Rs. 100 spent on weekdays, 2 points/Rs. 100 spent on weekends (max 20,000 points/month)
  • Point Value: 1 point = Rs. 1 cashback
  • Movie: Buy 1 get 1 free with both BookMyShow and Sathyam Cinemas (Sathyam Cinema promotion is only available in Chennai)
  • Other Perks: Complimentary international & domestic lounge access via Priority Pass; Rs. 100,000 lost bag insurance, delayed bag, loss of passport, lost ticket, missed flight connection coverage
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4000
  • Free Supplementary Cards
The Indusind Bank Pioneer Legend Credit Card is the best overall no-fee credit card. For instance, the card offers a competitive weekend rewards rate of 2% (2 points per Rs. 100; 1 point = Rs. 1) across all spending categories and a solid weekday rewards rate of 1% (1 points per Rs. 100; 1 point = Rs. 1). These are great rewards rates when compared to other no-fee cards on the market making this the go-to card for families looking to acquire a no-fee option.
  • Earn 2% on weekends, free movie tickets
  • Promotions: Sign-Up Bonus: Oberi Hotel or Genesis Luxury vouchers
  • Anniversary Bonus: 6,000 points on Rs. 600,000 spend within one year from card issuance
  • Free Supplementary Cards
  • Reward Earn Rate: 1 point/Rs. 100 spent on weekdays, 2 points/Rs. 100 spent on weekends (max 20,000 points/month)
  • Point Value: 1 point = Rs. 1 cashback
  • Movie: Buy 1 get 1 free with both BookMyShow and Sathyam Cinemas (Sathyam Cinema promotion is only available in Chennai)
  • Other Perks: Complimentary international & domestic lounge access via Priority Pass; Rs. 100,000 lost bag insurance, delayed bag, loss of passport, lost ticket, missed flight connection coverage
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4000
  • Free Supplementary Cards
The Indusind Bank Pioneer Legend Credit Card is the best overall no-fee credit card. For instance, the card offers a competitive weekend rewards rate of 2% (2 points per Rs. 100; 1 point = Rs. 1) across all spending categories and a solid weekday rewards rate of 1% (1 points per Rs. 100; 1 point = Rs. 1). These are great rewards rates when compared to other no-fee cards on the market making this the go-to card for families looking to acquire a no-fee option.

Best Card Against Fixed Deposit: BOB Financial Prime Card

  • Minimum requirement of Rs. 15,000 deposit, lowest among all other cards
  • 1% rewards on all spending categories
  • Free Supplementary Cards
  • Read Our Review
  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Free Supplementary Cards (maximum of 3)
The BOB Financial Prime Card is a great option for those in search of a fixed deposit card. The card offers a solid rewards rate of 1% (4 points per Rs. 100 spent, 4 points = Rs. 1), which is competitive when compared to their peers in the against fixed deposit space. Furthermore, the biggest differentiator for this card is that it requires the lowest minimum deposit at Rs. 15,000 with no minimum fee or age requirement. This may be a perfect fit if you are looking for a credit card against fixed deposit with a solid cashback rate.
  • Minimum requirement of Rs. 15,000 deposit, lowest among all other cards
  • 1% rewards on all spending categories
  • Free Supplementary Cards
  • Read Our Review
  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Free Supplementary Cards (maximum of 3)
The BOB Financial Prime Card is a great option for those in search of a fixed deposit card. The card offers a solid rewards rate of 1% (4 points per Rs. 100 spent, 4 points = Rs. 1), which is competitive when compared to their peers in the against fixed deposit space. Furthermore, the biggest differentiator for this card is that it requires the lowest minimum deposit at Rs. 15,000 with no minimum fee or age requirement. This may be a perfect fit if you are looking for a credit card against fixed deposit with a solid cashback rate.

Best NRI Credit Card: Axis Bank Pride Signature Credit Card

  • 1.6% back on all transactions
  • Promotions: Monthly Bonus: 100 points (₹ 40 in Yatra vouchers) on spend of ₹ 5,000
  • Free Supplementary Cards
  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: None 1st year; Rs. 500 beyond 1st year, waived on annual spend of Rs. 40,000
  • Earn Rate: 8 points per Rs. 200 spent except on fuel
  • Point Value: 1 point = Rs. 0.40 Yatra vouchers
  • Perks: Access to 10 lounges across 5 cities in India, 2 visits/quarter; dining benefits
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000. Max Rs. 400 per month
  • Free Supplementary Cards (maximum of 4)
  • Annual fee is not charged to supplementary cardholder
The Axis Pride Signature Credit Card is the best card for Non-Resident Indians due to its great rewards. For example, cardholders will earn the highest rewards rate for NRIs at 1.6% (8 point per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers) across all spending categories (excluding fuel). Additionally, the Axis Pride Signature card is essentially a no-fee card as it does not incur a fee for the first year and after the second year the cardholder will have to pay a low fee of Rs. 500 if they cannot surpass a very low annual spending threshold of Rs. 40,000. This is the best NRI card available and will deliver the cardholder with the highest rewards rate among its peers on all spending categories.
  • 1.6% back on all transactions
  • Promotions: Monthly Bonus: 100 points (₹ 40 in Yatra vouchers) on spend of ₹ 5,000
  • Free to receive supplementary cards
  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: None 1st year; Rs. 500 beyond 1st year, waived on annual spend of Rs. 40,000
  • Earn Rate: 8 points per Rs. 200 spent except on fuel
  • Point Value: 1 point = Rs. 0.40 Yatra vouchers
  • Perks: Access to 10 lounges across 5 cities in India, 2 visits/quarter; dining benefits
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000. Max Rs. 400 per month
  • Free Supplementary Cards (maximum of 4)
  • Annual fee is not charged to supplementary cardholder
The Axis Pride Signature Credit Card is the best card for Non-Resident Indians due to its great rewards. For example, cardholders will earn the highest rewards rate for NRIs at 1.6% (8 point per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers) across all spending categories (excluding fuel). Additionally, the Axis Pride Signature card is essentially a no-fee card as it does not incur a fee for the first year and after the second year the cardholder will have to pay a low fee of Rs. 500 if they cannot surpass a very low annual spending threshold of Rs. 40,000. This is the best NRI card available and will deliver the cardholder with the highest rewards rate among its peers on all spending categories.