Best Credit Cards Mumbai 2025
We benchmark 0 Indian credit cards across 0 issuers, then surface the ones with easy Mumbai onboarding, strong rewards, and metro-friendly perks. Average forex markup in our universe is — and 0 cards already hold the line at 3.5% or lower.
🏙️ Mumbai Credit Card Intelligence
Low-Forex Cards
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Products with ≤3.5% forex markup for BOM ➜ DXB / SIN / JFK runs.
Lounge-Friendly
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Cards bundling complimentary access to GVK T2 / T1 lounges and DreamFolks tie-ups.
Issuers Benchmarked
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PSU, private, small finance, and network partners tracked monthly.
Top Credit Cards Available in Mumbai
Low Fee & Lifetime Free Cards for Mumbai
These cards keep annual fees at ₹2,000 or less (often waived) without watering down rewards or lounge quotas.
Scanning low-fee portfolios…
Lounge Access Cards for BOM T2 & T1
Cards that consistently unlock complimentary domestic lounges via Priority Pass, DreamFolks, or RuPay/JCB tie-ups.
Gathering lounge inventory…
Mumbai Credit Card Insights (2025)
- 0 cards already keep forex markup at or below 3.5%, matching RBI guidance for international spending.
- Lounge access is now standard even on ₹1,000–₹2,000 fee cards thanks to RuPay + UPI issuance. We flag which products still include Priority Pass or DreamFolks after the 2024–25 devaluations.
- Tiered milestone bonuses (₹4L/₹8L) are critical — we highlight cards whose vouchers convert to real Mumbai value (Tata Neu, Amazon, MakeMyTrip).
Credit Cards Mumbai FAQs
Which banks offer the best credit cards in Mumbai?
HDFC, ICICI, Axis, Kotak, SBI Card, and American Express run the deepest portfolios in Mumbai, with challenger banks like IDFC FIRST and AU pushing zero-fee cards. Our ranking above mixes both traditional and challenger issuers.
How do I pick a first credit card in Mumbai?
Start with lifetime-free or ≤₹500 cards (IDFC FIRST Select, SBI SimplyCLICK). After 6–9 months of clean repayment history you can upgrade to cards like Axis Ace, HDFC Millennia, or Kotak White Reserve with richer lounge quotas and milestones.
What are the best cards for shopping and entertainment in Mumbai?
Axis Magnus, HDFC Regalia Gold, ICICI Amazon Pay, and SBI Cashback dominate for Phoenix Palladium, Jio World Drive, and online marketplaces. They offer high rewards plus milestone vouchers for BookMyShow, Tata Neu, and airline partners.