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Travel & Lounge Access
Complimentary domestic & international airport lounge visits and air miles.
Fuel Surcharge Waiver
1% surcharge waivers and accelerated bonus points at BPCL, IOCL & HPCL.
RuPay UPI Scan & Pay
Link credit cards to Google Pay, PhonePe & Paytm for instant QR merchant payments.
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India’s Most Compared Cards

The 3 most researched credit cards by Indian consumers this month. Evaluated side-by-side on verified MITC fee & reward rules.

Compare All 3 Cards
HDFC Bank official logo
HDFC Bank
#1 Most Compared
HDFC Bank Millennia Credit Card credit card artwork
HDFC Bank Millennia Credit Card
Credit CardVisa
Annual Fee₹1,000/yrWaived at ₹1L/yr
Top Return Rate5% Top Partner AppsDirect Statement Credit
Lounge Privilege:1 Domestic / Qtr
CompareView Details
State Bank of India official logo
SBI Card
#2 Most Compared
SBI Card Cashback Credit Card credit card artwork
SBI Card Cashback Credit Card
Credit CardVisa
Annual Fee₹999/yrWaived at ₹2L/yr
Top Return Rate5% Universal OnlineDirect Statement Credit
Lounge Privilege:No Complimentary Lounge
CompareView Details
ICICI Bank official logo
ICICI Bank
#3 Most Compared
Amazon Pay ICICI Bank Credit Card credit card artwork
Amazon Pay ICICI Bank Credit Card
Credit CardVisa
Annual Fee₹0 (Lifetime Free)No Spend Condition
Top Return Rate5% Unlimited AmazonDirect Statement Credit
Lounge Privilege:No Complimentary Lounge
CompareView Details

Latest News & Offers

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Official MITC Schedule

Axis Bank Comprehensive MITC Filing: 52.86% Retail APR, 1% Rental Cap at ₹1,500 & Burgundy Private Preferential Terms

Authoritative Charges, APR & Spend Criteria

MAGNUS
Axis Bank
Catalogue SpecimenCARDINTEL SAMPLE
Visa
October 03, 2026

Axis Bank Comprehensive MITC Filing: 52.86% Retail APR, 1% Rental Cap at ₹1,500 & Burgundy Private Preferential Terms

Axis Bank's officially verified MITC schedule confirms a standard finance charge of 3.60% per month (52.86% APR) for retail credit cards, with Magnus privileged at 3.00% (42.58% APR) and Burgundy Private at 1.50% (19.56% APR). Tiered late payment fees range up to ₹1,200 for balances exceeding ₹10,000 (waived for Burgundy Private). Rental transaction surcharges are maintained at 1% capped at ₹1,500 + GST, while wallet loads above ₹10,000/month incur 1% surcharge.

Axis BankRead Story
Official MITC Schedule

ICICI Bank MITC Regulatory Filing: 45.00% Base APR, 8-Tier Late Fee Schedule & Amazon Pay Direct Settlement Protocol

Authoritative Charges, APR & Spend Criteria

amazonpay
ICICI Bank
Catalogue SpecimenCARDINTEL SAMPLE
Visa
October 03, 2026

ICICI Bank MITC Regulatory Filing: 45.00% Base APR, 8-Tier Late Fee Schedule & Amazon Pay Direct Settlement Protocol

The latest ICICI Bank MITC circular reaffirms the 3.75% per month (45.00% APR) standard finance charge across retail portfolios, while Emeralde cardholders enjoy 1.99%–2.49% per month. Late fees follow an 8-tier progression peaking at ₹1,300 for balances exceeding ₹50,000. Reward point redemptions incur ₹99 + GST per request, whereas the Amazon Pay ICICI card features unconditionally zero redemption and maintenance fees with direct statement credit.

ICICI BankRead Story
Official MITC Schedule

Kotak Mahindra Bank MITC & Cardholder Agreement: Retail & Corporate Fee Schedules and White Pass Redemptions

Authoritative Charges, APR & Spend Criteria

KOTAK
Kotak Mahindra Bank
Catalogue SpecimenCARDINTEL SAMPLE
Visa
October 03, 2026

Kotak Mahindra Bank MITC & Cardholder Agreement: Retail & Corporate Fee Schedules and White Pass Redemptions

Kotak Mahindra Bank's combined MITC and Cardholder Agreement documents define a 3.50%–3.75% monthly interest rate (42.0%–45.0% APR) on consumer cards, 3.10%–3.40% on White Reserve, and 2.50%–3.00% on Corporate credit cards. Cash advances are charged at ₹300 per ₹10,000, late payment fee scales to ₹1,300, and overlimit charge is set at ₹500. White Pass milestone claims remain exempt from reward redemption charges.

Kotak Mahindra BankRead Story

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Frequently asked questions

Quick answers to the most common credit card questions

Identify your top spending categories (online, dining, fuel, travel), then pick a card that gives the highest rewards there. Consider annual fees too — a free card with decent rewards often beats an expensive card if your monthly spend is under ₹30,000.