#1
HDFC Bank
PIXEL Go Credit Card
Flat 1% cashback
₹250 + GST a yearCashbackUnder ₹500 a year
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Best cards
Best cards under ₹500 a year in India (2026)
Under ₹500 a year, and most of these waive even that if you spend enough. Cheap to keep in your wallet.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
HDFC Bank
HDFC UPI RuPay Card
A low-fee credit card you can use on UPI
₹99 + GST a yearWorks on UPIUPI (RuPay)Under ₹500 a year
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#3
SBI Card
IRCTC SBI Platinum Card
Up to 10% back on AC train tickets
₹500 + taxes a yearTrain ticketsUnder ₹500 a year
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#4
SBI Card
BPCL SBI Card
4.25% value back on BPCL fuel
₹499 + taxes a yearFuelUnder ₹500 a year
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#5
HDFC Bank
PhonePe Uno Credit Card
2% on PhonePe bills & travel
₹499 + GST a yearUnder ₹500 a yearBills & recharges
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#6
HDFC Bank
Tata Neu Plus Credit Card
2% back in NeuCoins on Tata brands
₹499 + GST a yearOnline shoppingUnder ₹500 a year
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#7
SBI Card
SimplyCLICK SBI Card
10X points on 11 partner brands + ₹4,000 in milestone vouchers
₹499 + taxes a yearOnline shoppingUnder ₹500 a year
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#8
SBI Card
SimplySAVE SBI Card
10X points on dining, movies, groceries & departmental stores
₹499 + taxes a yearUnder ₹500 a yearLifestyle & brands
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#9
HDFC Bank
HDFC Freedom Credit Card
10X CashPoints on BigBasket, Swiggy, Uber & more
₹500 + GST a yearUnder ₹500 a year
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#10
HDFC Bank
Shoppers Stop Credit Card
3% back at Shoppers Stop
₹299 + GST a yearUnder ₹500 a yearLifestyle & brands
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| PIXEL Go Credit CardHDFC Bank | ₹250 + GST a year | Flat 1% cashback | No |
| HDFC UPI RuPay CardHDFC Bank | ₹99 + GST a year | A low-fee credit card you can use on UPI | Yes |
| IRCTC SBI Platinum CardSBI Card | ₹500 + taxes a year | Up to 10% back on AC train tickets | No |
| BPCL SBI CardSBI Card | ₹499 + taxes a year | 4.25% value back on BPCL fuel | No |
| PhonePe Uno Credit CardHDFC Bank | ₹499 + GST a year | 2% on PhonePe bills & travel | No |
| Tata Neu Plus Credit CardHDFC Bank | ₹499 + GST a year | 2% back in NeuCoins on Tata brands | No |
| SimplyCLICK SBI CardSBI Card | ₹499 + taxes a year | 10X points on 11 partner brands + ₹4,000 in milestone vouchers | No |
| SimplySAVE SBI CardSBI Card | ₹499 + taxes a year | 10X points on dining, movies, groceries & departmental stores | No |
| HDFC Freedom Credit CardHDFC Bank | ₹500 + GST a year | 10X CashPoints on BigBasket, Swiggy, Uber & more | No |
| Shoppers Stop Credit CardHDFC Bank | ₹299 + GST a year | 3% back at Shoppers Stop | No |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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