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.
Our top pick for cards for everyday spending is the Scapia Federal Credit Card from Federal (no annual fee). Best lifetime-free option: Standard Chartered Priority Visa Infinite (SC). Best premium pick: Ultimate Credit Card (SC, ₹5,000 fee). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).
Federal · No annual fee · 5% rewards
SC · ₹5,000 annual fee · 3.33% rewards
Axis · ₹10,000 annual fee · 3% rewards
HSBC · ₹20,000 annual fee · 3% rewards
SC · No annual fee · 2% rewards
YES · ₹399 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
SC · ₹25,000 annual fee · 2% rewards
IDFC First · ₹4,999 annual fee · 1.6% rewards
Axis · ₹499 annual fee · 1.5% rewards