Favourite Credit Cards – Tried, Tested & Truly Rewarding
Unlock the Power of India’s Most Loved Credit Cards
Looking for a credit card that truly delivers? Whether you’re a daily spender, an online shopper, or someone who values lounge access and cashback — CardMela.com brings you a carefully curated list of Favourite Credit Cards that strike the perfect balance between benefits, affordability, and user satisfaction.
These cards are chosen not just for flashy offers — but for consistent performance, customer-friendly features, and real-world value.
Enjoy a wide range of advantages including cashback, accelerated reward points, spend-based fee waivers, and much more — all packed into these trusted credit cards that are favourites among Indian users.
Explore top picks like the HDFC Millennia, SBI SimplyCLICK, Axis Atlas, ICICI Amazon Pay, and Tata Neu Plus — each suited for different spending styles and financial goals.
These cards also come with added benefits like:
- Cashback or reward points on everyday spending — from groceries to gadgets
- Annual fee waivers when you meet simple spending thresholds
- Lounge access, dining discounts, and exclusive partner offers
- Easy eligibility for both salaried and self-employed users
- Compatibility with UPI, EMI, and contactless payments on select variants
Ready to upgrade your spending game? Use our comparison tool to check features, annual fees, eligibility, and apply for your favourite card today — only on CardMela.com.
HDFC Bank Infinia Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
Axis Bank Atlas Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and high spenders
Benefits:
5 EDGE Miles/₹100 on travel spends, 2 EDGE Miles/₹100 on other spends
Complimentary domestic & international lounge access
Milestone benefits up to 5,000 EDGE Miles
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹1L/month income, Credit Score 750+
Fees:
₹12,500 Annual Fee (waived on ₹25L spend/year), Late Fee ₹100–₹1,300
HDFC Bank Millennia Credit Card
★★★★☆ (4/5)
*Ideal for online shoppers & frequent spenders
Benefits:
5% Cashback on Amazon, Flipkart, Swiggy, Zomato
1% Cashback on all other spends
8 Complimentary Lounge Access (per year)
₹1,000 Welcome Benefit
EMI & SmartBuy Offers
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Annual Fee (waived on ₹1L annual spend), ₹500 Late Payment Fee approx.
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
AU Bank Zenith Credit Card
★★★★☆ (4/5)
*Waiver on spends over ₹50,000/year
Benefits:
Up to 5% Cashback
₹1,000 Welcome Bonus
₹500 Fuel Waiver/month
Lounge Access
Dining Discounts
₹999 Annual Fee (waived*)
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹999 Annual Fee (waived*), ₹500 Late Fee approx.
Axis Bank My Zone Credit Card
★★★★☆ (4.0/5)
Ideal for entertainment enthusiasts
Benefits:
Complimentary SonyLIV Premium subscription
Flat ₹120 off on Swiggy (twice a month)
Complimentary lounge access
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
ICICI Bank Make My Trip Credit Card
★★★★☆ (4.5/5)
Best for frequent travelers booking via MakeMyTrip
Benefits:
₹1,000 MakeMyTrip voucher on joining
Up to 6% myCash on MakeMyTrip bookings
1% myCash on other retail spends
8 domestic and 1 international lounge access per year
MMTBLACK Gold membership
0.99% forex markup
Buy 1 Get 1 movie ticket offer (up to ₹150, twice a month)
3 months no-cost EMI on MakeMyTrip bookings
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹3L annual spend)
SBI Simply Click Credit Card
★★★★☆ (4.3/5)
Best for online shoppers seeking accelerated rewards on digital spends
Benefits:
10X Reward Points on online spends at partner merchants (Amazon, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Yatra, Apollo 24/7)
5X Reward Points on other online spends
1X Reward Point per ₹100 on offline spends
₹500 Amazon gift voucher on payment of joining fee
Cleartrip e-vouchers worth ₹2,000 on annual online spends of ₹1L and ₹2L
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
HDFC Bank Regalia Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
IDFC First Bank Ashva Credit Card
★★★★☆ (4.2/5)
Best for travelers & lifestyle users
Benefits:
₹500 cashback on 4 transactions
5X rewards up to ₹20K/month, 10X on higher spends & birthdays
4 domestic + 2 international lounge visits/quarter
Golf perks & 1% forex markup
Movie discount & hotel booking offers
Eligibility:
Select customers, bank approval required
Fees:
Joining ₹2,999 + GST
Annual ₹2,999 + GST (waived on ₹8L spend)
Tata Neu HDFC Plus Credit Card
★★★★☆ (4.5/5)
Best for Tata brand fans wanting high rewards
Benefits:
2% NeuCoins on Tata Neu & partner brands (non-EMI spends)
1% NeuCoins on non-Tata brand spends & EMI transactions
1% NeuCoins on UPI spends via RuPay (max ₹500/month)
Additional 5% NeuCoins on Tata Neu App/Website with NeuPass
Welcome benefit: 499 NeuCoins on first transaction within 30 days
4 complimentary domestic lounge visits per year (1 per quarter)
1% fuel surcharge waiver (up to ₹250/month)
Eligibility
Salaried 21–60 years with ₹25,000+ monthly income
Self-employed 21–65 years with ₹6 lakh+ annual income
Fees
Joining fee ₹499 + GST
Annual fee ₹499 + GST waived on ₹1 lakh annual spend
AU Bank Business Credit Card
★★★★☆ (4/5)
★★★☆☆ (3.8/5)
*Designed for entrepreneurs and small business owners
Benefits:
Up to 2% Cashback on business spends
₹500 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹200/month
Free Add-on Cards
RuPay Offers & UPI Credit Card Compatibility
Eligibility:
₹25,000/month income, Self-employed or Business Owners, Credit Score 700+
Fees:
₹499 Annual Fee (waived on ₹40,000 annual spend), ₹500 Late Payment Fee approx.
Most Applied. Most Trusted. Most Rewarding.
Wondering which card to pick? Start with the ones users trust the most.
This page features the most popular and frequently chosen cards by CardMela users — selected for their value, approval rates, and user satisfaction across different needs like shopping, travel, dining, fuel, and more.
Why These Are Favourites
Consistent Benefits
Cards that deliver real, everyday value — whether it’s through cashback, reward points, or exclusive discounts.
High Approval Rates
Popular among users not just for features, but also for their smooth and quick application experience.
Wide Coverage
Includes a balance of travel perks, lifestyle benefits, fuel waivers, and low annual fees.
Reliable Terms
Transparent fee structures, fair eligibility criteria, and dependable issuer support.
Who Picks These?
- First-time credit card users
- Frequent online shoppers
- Business professionals
- Students and salaried individuals
- Families looking for everyday savings
Explore the Most Loved Cards Today
CardMela helps you compare top-rated options side-by-side, filter by what matters most to you, and apply directly — with no hidden terms.
Smart choice starts here.
Explore favorites. Choose confidently. Apply in minutes. Find it today.