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Best Credit Cards in India 2026

Hdfc Bank Millennia Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 1,000 + GST

Best Suited For

CashBack

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.

Travel

4 complimentary airport lounge access every year, 1 per quarter

Domestic Lounge Access

1 Domestic Airport Lounge Access Every Quarter (4 Each Year)

Zero Liability Protection

Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.

Shoppers Stop Hdfc Bank Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 299 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Rewards Rate

Earn 3% Reward Points on every Shoppers Stop spend and 1 % Reward Points on Non-Shoppers Stop Spends

Reward Redemption

The points can be redeemed on purchases made in Shoppers Stop Outlet or online through Shoppers Stop website.

Hdfc Bank Freedom Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

Up to 20% off via Swiggy Dineout

Reward Redemption

1 CashPoint = Re. 0.15 for redemption on SmartBuy or cashback.

Rewards Rate

Get 1 CashPoint for every Rs. 150 spent on all purchases, earn 5x CashPoints on EMI transactions at merchant outlets, and 10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more.

Swiggy Hdfc Bank Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Cashback

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout

Rewards Rate

10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories

Reward Redemption

Cashback Against Credit Card Statement

Travel

Upto 5% cashback on merchants like Uber and Ola

Domestic Lounge Access

NA


Hdfc Bank Pixel Go Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

CashBack

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

25% Dining Discount Via Swiggy Dineout

Rewards Rate

Unlimited 1% Cashback

Reward Redemption

Cashback Against Statement

Travel

N/A

Domestic Lounge Access

N/A



Hdfc Tata Neu Plus Rupay

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Reward Redemption

The earned NeuCoins can be redeemed via the Tata Neu application or website on specified Tata brands.

Domestic Lounge Access

4 complimentary visits to the domestic airport lounges, limited to 1 visit per quarter.

Travel

Complimentary access to domestic airport lounges.

Rewards Rate

2% & 1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. Additional 5% back as NeuCoins on the Tata Neu app or website.



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