Best credit cards in India — scored, explained, audited.
Every card's rewards, fees, and benefits modelled against a transparent scoring engine. Compare rewards, lounge, low-fee, and forex cards with math you can check.
Three steps to a confident pick.
Start from a bank you already have a relationship with, or a goal like rewards or lounge access.
Every card shows its first-year net value, rewards-by-category breakdown, and fee-waiver thresholds — with the working visible.
No paid placement. We link to the issuer's official application page, in the order our score says.
Top-scored cards this month.
Ranked by first-year net value for the default persona. Same score used across the site.
Pick a goal, see the cards.
Credit cards with the highest reward rates on everyday spend.
Explore Lounge accessCards with complimentary domestic and international airport lounge visits.
Explore Low feeCards with zero or minimal annual fees, with rewards that still pay off.
Explore ForexLow forex markup for international spend and travel.
ExploreEvery bank we cover.
21 banks. Full directory of bank hubs.
Common questions about PerkPilot.
A pure TypeScript function models each card's rewards, milestones, welcome benefit, and fee waiver for a default persona — producing a first-year net value with every step traced. The same function runs in our unit tests. Read the full explainer at /about/methodology.
Last verified April 2026. Sources: Official issuer websites, CardExpert, PaisaBazaar, CardInsider, BankBazaar. Next scheduled review: Monthly verification.