FinanceHero / India / Credit Cards
Compare joining fees, renewal conditions and borrowing charges. Paying only the minimum due does not avoid interest.
Unsecured consumer credit cards
| Card | Joining / renewal | Borrowing charge | Cash / FX | Eligibility | Key caveat |
|---|---|---|---|---|---|
SBI Cards and Payment ServicesSimplyCLICK SBI Card | Joining: INR 499Plus applicable tax.INR 499 + tax renewal from year two; spend waiver applies. | Up to 3.75% per month; issuer-stated 45% per year, excluding applicable tax. | Cash: 2.5% of cash amount, minimum INR 500, plus tax and interest from withdrawal.FX: 3.5% foreign-currency transaction fee, plus tax. | Issuer approval based on application, income and credit assessment; numeric income threshold not verified. | Unsecured SimplyCLICK only. Renewal waiver requires spending; rewards have exclusions and redemption terms. |
ICICI BankAmazon Pay ICICI Bank Credit Card | Joining: INR 0No joining or annual fee. | 3.75% monthly; issuer-stated annual rate 45%, excluding GST. | Cash: 2.5% of amount, minimum INR 500, plus tax; interest starts immediately.FX: 1.99% foreign-currency markup, plus applicable tax. | Invite-only; Indian citizen aged 21+, salaried or self-employed income at least INR 30,000 monthly; issuer assessment. | Invite-only. No annual fee does not waive borrowing or cash-withdrawal charges. Amazon rewards depend on membership and purchase category. |
ICICI BankCoral Credit Card | Joining: INR 500Plus applicable tax.INR 500 + GST renewal; waived after more than INR 150,000 annual spend. | 3.75% per month when revolving or withdrawing cash; annualized disclosure not verified for this variant. | Cash: Not availableFX: 3.5% foreign-currency markup. | Indian citizen over 21; salary INR 20,000 monthly or self-employed income INR 240,000 annually; credit assessment. | Unsecured Coral only. Renewal waiver and lounge benefits have separate spending conditions; minimum-due payments still incur interest. |
Axis BankNEO Credit Card | Joining: INR 250Plus applicable tax.Standard joining INR 250 and annual INR 250 from year two, plus tax. Lifetime-free offers apply only to selected channels. | 3.75% monthly; issuer-stated 55.55% annual rate uses a different convention from simple annualized rates. | Cash: 2.5% of cash withdrawn, minimum INR 500; taxes and finance charges apply.FX: Not available | Primary applicant 18-70; resident Indian or NRI; income and credit assessment. | Lifetime-free headline is channel-specific. Paying only the minimum does not avoid interest; targeted merchant discounts have limits. |
HDFC BankMillennia Credit Card | Joining: INR 1,000Plus applicable tax.INR 1,000 + tax joining and annual renewal; renewal waiver after at least INR 100,000 eligible annual spend. | Not verified | Cash: 2.5% of cash amount, minimum INR 500, plus tax and immediate finance charges.FX: Not available | Salaried or self-employed Indian applicants; final age/income thresholds need bank confirmation. | Confirm eligibility and borrowing rate with the bank: official pages differ. Cashback requires reward redemption and category/cap conditions. |
Checked: 7 Oct 2026 · Sources: sbicard.com · icici.bank.in · axis.bank.in · hdfc.bank.in
Fees may exclude statutory charges.