Credit Card Reviews

Honest reviews with real rewards, fees, and offers. No affiliate bias.

HDFC Millennia Credit Card

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HDFC BankVisa

★★★★☆
4.2/5

The HDFC Millennia is an excellent entry-level card for digital-first spenders. With up to 10% cashback via SmartBuy and an easy fee waiver, it's ideal for millennials who shop online.

Online Shopping & Dining: Up to 10%Others: 1%
Fee: ₹1,000/year (waiver available)
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Axis Bank Magnus Credit Card

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Axis BankVisa

★★★★☆
4.7/5

The Axis Magnus is a super-premium travel card offering unlimited lounge access, low forex markup, and lucrative EDGE Rewards. Ideal for HNIs and frequent flyers.

All Spends (up to ₹1.5L/month): 12 EDGE Points/₹200Spends above ₹1.5L/month: 35 EDGE Points/₹200
Fee: ₹12,500/year (waiver available)
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Scapia Federal Credit Card

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Federal BankVisa

★★★★☆
4.5/5

Scapia is a disruptive zero-fee credit card targeting travelers. With 10% rewards, zero forex, and unlimited lounges, it's perfect for budget-conscious frequent travelers.

All Card Spends: 10%Travel Bookings on Scapia App: 10%
Fee: ₹0/year (waiver available)
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ICICI Emeralde Private Metal Credit Card

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ICICI BankMastercard

★★★★☆
4.6/5

The ICICI Emeralde is a luxury metal card for the elite. With Taj Epicure membership, unlimited lounges, and golf privileges, it's designed for those who appreciate premium experiences.

All Spends: 4 Reward Points/₹100Dining: Enhanced
Fee: ₹12,499/year (waiver available)
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IDFC FIRST Ashva Metal Credit Card

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IDFC FIRST BankVisa

★★★★☆
4.4/5

The IDFC FIRST Ashva is a beautifully designed metal card offering premium benefits at a fraction of competitors' fees. With 1% forex and up to 60X travel rewards, it punches above its weight.

Hotel Bookings (via App): 50X Bonus PointsFlight Bookings (via App): 30X Bonus Points
Fee: ₹2,999/year (waiver available)
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How We Review Cards

We analyze reward rates, fees, offers, and eligibility to give you unbiased recommendations. We don't accept sponsored placements – rankings are based on actual value.