Entry Level Paid

Axis Bank Airtel Credit Card

High cashback on Airtel spends and everyday bill payments.

Rating 4.4 Cashback

Airtel Customers Utility Bill Payments Food Delivery & Grocery

Joining Fee

₹500

Annual Fee

₹500

Base Rewards

1% cashback on all other eligible spends

Accelerated

25% cashback on Airtel payments; 10% on utility bills; 10% on Swiggy, Zomato & BigBasket (all capped monthly)

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Entry Level Paid

Equitas Bank Selfe Credit Card

A customizable lifestyle credit card with 5X rewards and complimentary OTT memberships.

Rating 4.4 Reward Points

Grocery & dining spenders OTT subscribers Moderate domestic travelers Users seeking card customization

Joining Fee

₹1,000

Annual Fee

₹1,000

Base Rewards

2 Reward Points per ₹100 on all other spends.

Accelerated

5X reward points on any 2 selected categories such as dining, grocery, apparel, utility bills, taxi/transport and other eligible categories.

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Lifetime Free

ICICI Bank Platinum Chip Credit Card

Lifetime free beginner credit card with basic rewards and strong security features.

Rating 4.0 Reward Points

Beginners Lifetime Free Users Basic Retail Spenders

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

2 Reward Points per ₹100 on retail spends; 1 Reward Point per ₹100 on utilities & insurance.

Accelerated

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Super Premium

Kotak 811 Super Platinum Debit Card

Up to ₹6,000 Yearly Cashback with 811 Super

Rating 4.3 Cashback

Online Shopping Cashback Savings Account Users Debit Card Users High Transaction Users

Joining Fee

₹499

Annual Fee

₹499

Base Rewards

5% cashback on eligible debit card spends (subject to monthly funding criteria)

Accelerated

No separate category-based acceleration. Flat cashback structure under 811 Super benefits.

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Entry Level Paid

Tata Neu Plus SBI Credit Card

Earn up to 7% value back on Tata Neu with low annual fee.

Rating 0.0 Reward Points

Tata ecosystem shoppers BigBasket & Croma users RuPay UPI users Moderate annual spenders

Joining Fee

₹499

Annual Fee

₹499

Base Rewards

1% value back as NeuCoins on other spends including UPI (RuPay variant).

Accelerated

5% value back on Tata Neu app & partner brands + extra 2% on select categories (up to 7% total value back).

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