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Find the right credit card in 60 seconds

Six quick questions. We score 30+ popular Indian credit cards against your priorities and recommend the top three.

Question 1 of 6

What's your annual income?

Banks set income floors for each card. We'll only suggest cards you can realistically get.

Question 2 of 6

Roughly how much do you spend on cards each month?

Includes everything — bills, shopping, food, fuel, travel.

Question 3 of 6 — pick up to two

What do you spend most on?

Pick your top one or two categories. We'll match cards that reward those specifically.

Question 4 of 6

How often do you fly?

Affects whether lounge access and travel rewards are worth paying a fee for.

Question 5 of 6

What annual fee are you OK with?

Every card recoups its fee at some spend level — we'll factor in whether the math works for you.

Question 6 of 6

Do you need airport lounge access?

Domestic and international lounges add real value if you actually use them.

Your matches

Top picks based on your answers

These suggestions are based on publicly available card features as of April 2026. Final approval, fees, and eligibility are decided by the issuer. We do not collect or process applications. Credit Smart India may earn a referral commission when readers apply through our links — ratings and rankings stay editorially independent.