An everyday spending card should have a strong base reward rate that applies everywhere — not just bonus categories. The best ones turn routine purchases into consistent savings.
Federal · No annual fee · 10% rewards
YES · ₹399 annual fee · 10% rewards
SC · ₹5,000 annual fee · 3.33% rewards
SC · ₹25,000 annual fee · 3.33% rewards
Axis · ₹10,000 annual fee · 3% rewards
HSBC · ₹20,000 annual fee · 3% rewards
AU · ₹999 annual fee · 2.5% rewards
IDFC First · ₹4,999 annual fee · 2.4% rewards
SC · No annual fee · 2% rewards
Kotak · ₹2,500 annual fee · 2% rewards
HDFC · ₹2,500 annual fee · 2% rewards
Axis · ₹3,000 annual fee · 2% rewards
HSBC · ₹4,999 annual fee · 2% rewards
SBI · ₹4,999 annual fee · 2% rewards
Axis · ₹5,000 annual fee · 2% rewards