Compare cards side-by-side

Most people start with the annual fee, which is usually the least informative number on the page. A ₹5,000 card that waives its fee at ₹3,00,000 of annual spending costs nothing if you were going to spend that anyway, while a ₹500 card with no waiver costs ₹500 every year forever. Compare the fee against the waiver condition, not on its own.

Forex markup is the line that moves the most money for anyone who spends abroad, and the one most comparison sites bury. The Indian market standard is 3.5%. A handful of cards charge 0–1%. On ₹1,00,000 of foreign spending that difference is roughly ₹3,500 a year — enough on its own to justify a premium annual fee if you travel.

Reward rate means very little without redemption value. A card earning 5 points per ₹100 sounds better than one earning 2, but if those points redeem at 25 paise each and the other card's redeem at a rupee, the “worse” card pays nearly twice as much. Read the reward rate and the redemption path together, never separately.

Lounge access is quoted in incompatible units across issuers — per quarter, per year, unlimited, domestic only, or conditional on spending in the previous quarter. Two cards can both say “lounge access” and differ by twenty visits a year.

If you would rather not do this manually, CardFinder models these variables against your actual spending and ranks cards by what they would earn you. Our rating methodology explains how we score each card, and you can browse every card we review to build a shortlist.