Indian Credit Cards: Fees, Rewards and Lounge Rules (November 2026)

Fees, reward rates and airport lounge rules for 85 credit cards issued in India, taken only from each bank's own product pages, fee schedules (MITC) and reward terms. Every row has the bank's source URL and the date it was last checked. card-fees.csv (85 rows): joining and annual fee in INR excluding GST, fee-waiver rule, lifetime-free flag, forex markup %, works on UPI (RuPay), published minimum income. card-rewards.csv (85 rows): effective value back (% of spend) for everyday, online, grocery, fuel, UPI, travel, bills and dining spends; published reward caps; spends that earn nothing. card-lounges.csv (47 rows): domestic, international and railway lounge visits a year, and the spend that unlocks them. Value back is the % of spend returned at the redemption value the bank itself publishes; where a bank doesn't publish what a point is worth, the cell is blank rather than estimated. Coverage: the cards compared on CreditParakh (the most-searched cards in India plus those available through its referral partner), not every card in India. Rechecked monthly; live, always-current files: https://creditparakh.in/data/card-fees.csv, https://creditparakh.in/data/card-rewards.csv, https://creditparakh.in/data/card-lounges.csv. Dated card changes: https://creditparakh.in/credit-cards/changes/ Licence CC BY 4.0. Credit: Source: CreditParakh, https://creditparakh.in/credit-cards/compare/. Banks change terms often; each row's last_verified date and the bank's current terms win. Corrections: [e-mail]