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Lifetime‑free card with 1% cashback (capped ₹500/month) and Xpress Cash loan facility. Simple direct‑to‑statement rewards suit everyday spenders, but exclusions on fuel, utilities, rent, and insurance limit value for high‑spenders or premium seekers.

Elite card for affluent users. Offers 5X/10X rewards, ₹8K milestone vouchers, lounge access (domestic + Priority Pass), golf perks, and BMS discounts. ₹7K fee waived at ₹10L spend or free for Insignia customers. Strong luxury perks, but high spend required.

Premium card for affluent users. Offers 5X/10X rewards, ₹8K milestone vouchers, lounge access (domestic + Priority Pass), golf perks, and BMS discounts. ₹7K fee waived at ₹10L spend or free for Insignia customers. Strong luxury value, but high spend required.

Cashback‑focused card with 2.5% on dining/travel, 1% on other spends, plus BookMyShow BOGO and fuel waiver. ₹1,499 fee waived at ₹4L spend. Simple rewards and Xpress Cash loan option, but strict monthly caps and exclusions limit high‑spender value.

Hybrid card offering credit line plus lifestyle perks. Earn rewards on online/offline spends, 20% Zomato cashback, BookMyShow BOGO, and milestone voucher. ₹499 fee waived at ₹2L spend. Strong for young professionals, but high interest demands disciplined use.

Mid‑premium card with 12K welcome points, monthly bonuses, milestone rewards, lounge access, and movie discounts. Strong returns if spends hit ₹4L annually, but capped online rewards, exclusions, and ₹3K fee mean value depends on disciplined usage.

Lifetime‑free card for essentials. Earn 5X points on groceries, plus 10% savings on Zomato and BookMyShow. Free monthly credit advisory adds value. Strong for everyday use, though capped rewards and redemption fees limit heavy spend benefits.

Co‑branded card for Patanjali loyalists. Earn 10% cashback (capped), milestone vouchers, wellness stay, lounge access, and movie perks. ₹1,499 fee waived at ₹4L spend. Strong for wellness and groceries, but weak general rewards and high spend thresholds.

Best for loyal Patanjali shoppers. Earn 10% cashback (capped), fee waiver at ₹1.5L spend, plus wellness milestone perks. Strong for groceries and Ayurvedic products, but weak general rewards and no lounge access mean value depends on focused usage.

Entry‑level card at ₹499 fee with welcome bonus, milestone vouchers, and BookMyShow BOGO perks. Best for online shoppers and moderate spenders hitting ₹2–3L annually. Rewards capped and redemption fees apply, so value depends on disciplined usage.

Mid‑premium card for urban spenders. Earn 5X points on dining, groceries, entertainment, and international spends, plus milestone bonuses, lounge access, and movie perks. Strong rewards at ₹2.5K fee, but capped categories and no fee waiver require planned usage.

Co‑branded card for TVS Credit users. Offers welcome bonus, milestone vouchers, dining cashback, fuel waiver, and domestic/international lounge access. Strong value at ₹1.5K fee if quarterly spends hit ₹50K+, but benefits depend on consistent high usage.

App‑focused card for digital natives. Earn 10% cashback on Zomato, Myntra, Uber plus BookMyShow discounts, milestone vouchers, and fuel waiver. ₹100 monthly fee waived at ₹5K spend. Strong for app users, but capped rewards and redemption fees limit value.

Entry‑level card ideal for households. Earn 20 RP/₹100 on groceries (5% back, capped), plus movie discounts and fuel surcharge waiver. Affordable ₹500 fee waived at ₹1.5L spend. Strong for essentials, but weak rewards outside groceries and no premium perks.

Best for weekend shoppers and diners. Double rewards on weekend spends plus monthly milestone bonuses deliver solid value. Affordable ₹1K fee with waiver at ₹2L spend, but no lounge perks and redemption fees mean benefits require disciplined use.