Compare credit cards
Compare up to three credit cards side by side. Explore fees, rewards and benefits to find the right card for you.
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Comparison dimension
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Best for
Best forA typical fit, not personalised advice.
- May suit users who pay utility bills and recharges through the Freecharge app and who spend on local commute.
- Less suited to — Rent, wallet load, fuel, education or insurance spends, which earn no cashback may wish to compare other cards.
Fees & ownership
Annual / renewal fee
₹350
Joining fee
₹350
Fee waived at
Spend ₹50,000 a year
Rewards & value
Base rewards
cashback
Accelerated rewards
Earning terms not yet recorded from the issuer’s own documents
Effective valueNeeds an annual spend to mean anything — the card value calculator asks for one.
—
Reward point valueThe rupee value per point recorded for the card’s reward programme.
—
Reward cap
—
Important conditions
Major reward exclusions
No cashback on rent, wallet load, fuel, education, insurance, gold & jewellery, government services, financial institutions, cash advances, repayments, gift cards, or utility/telecom outside the Freecharge app.
Travel & lifestyle
Lounge access
—
Lounge requirementWhat has to be true before a lounge visit is free
—
Forex markup
3.5%
Everyday benefits
Fuel benefit
—
RuPay / UPI support
—
Eligibility
Minimum income
—
Other costs
Finance chargeWhat an unpaid balance costs
3.75% per month
Decision
Good to knowThe one condition most likely to change the maths.
No cashback on rent, wallet load, fuel, education, insurance, gold & jewellery, government services, financial institutions, cash advances, repayments, gift cards, or utility/telecom outside the Freecharge app.
Missing values were not published by the issuer; PaisaKhoj does not estimate them. A highlighted figure marks the lower or higher of two directly comparable amounts on that row alone — it is not a recommendation, and no card here is named an overall winner.