1 hr ago

Best Credit Cards in India for Every Spending Category

There is no single best credit card for everyone.

The right card depends on where you spend money and how much you spend.

Beginners may prefer lifetime-free cards such as AU LIT or AU Xcite.

People who pay merchants through UPI need a RuPay credit card, such as AU SPONT.

Travelers may prefer AU Zenith+ because the guide says it has a 0.99% foreign-currency markup.

AU Ananta is aimed at shopping, dining and travel rewards.

AU Laksya focuses on groceries, while AU Tejas offers cashback on selected apps and services.

AU Prathama is designed as a low-fee first card.

Paying the full bill on time is important because interest can cost much more than rewards.

Key facts

Lifetime-free options: AU LIT and the AU Xcite range are described as having no joining or annual fee.
UPI card pick: AU SPONT RuPay is listed with a ₹299 annual fee and 1% cashback, capped at ₹500 per statement cycle.
International travel pick: AU Zenith+ is highlighted for a stated 0.99% forex markup as of September 2026.
Rewards pick: AU Ananta earns 5 reward points per ₹100 on shopping, dining and travel, according to the guide.
Grocery pick: AU Laksya earns 5 reward points per ₹100 on grocery, departmental-store and contactless spending.
Cashback pick: AU Tejas offers up to 10% cashback on selected food, transportation, entertainment and bill-payment services.
Responsible use: The guide recommends paying the full bill on time and keeping credit utilization below 30% of the limit.

thehansindia.com · 1 hr ago