Best credit cards in 2026

Domestic Airport Lounge: 4 per year (1 visit per calendar quarter) via Visa Lounge Access Program [Criteria: Spend ₹35,000 in previous quarter]

International Airport Lounge: 2 per year (via Priority Pass) via Priority Pass

Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month) on fuel transactions between ₹400 and ₹4000

Domestic Airport Lounge: 18 Tier-based: Silver (8), Gold (12), Platinum (18 visits per year) via Mastercard / Visa Lounge

International Airport Lounge: 12 Tier-based: Silver (4), Gold (6), Platinum (12 visits per year) via Dreamfolks / Priority Pass

Fuel Surcharge Waiver: 1% (Max waiver ₹400 per month)

Domestic Airport Lounge: Unlimited per year across all Centurion, Priority Pass, and domestic lounges with 2 complimentary guests via American Express Global Lounge Collection (Guest Access: 2 complimentary guests included per visit)

International Airport Lounge: Unlimited per year at Centurion Lounges, Priority Pass, Delta Sky Clubs, Escape, and Plaza Premium via Priority Pass / Centurion Lounge (Guest Access: 2 complimentary guests included)

Fuel Surcharge Waiver: 1% (Max waiver ₹1000 per month (0% surcharge at HPCL / BPCL / IOCL))

Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)

Swiggy Dineout Additional Discounts: Extra up to 10% discount on top of restaurant offers when paying with Swiggy HDFC card via Swiggy Dineout. (Applicable at all Swiggy Dineout partner restaurants) [Partners: Swiggy Dineout]

Domestic Airport Lounge: 4 per quarter (when Airport Lounge pack is activated via app) via Visa Lounge Program (Guest Access: Paid guest access)

Fuel Surcharge Waiver: 1% (Max waiver ₹150 per month (when feature pack enabled))

Power to Switch Features On & Off: Unique customizability allowing users to turn reward accelerators, lounge access, and OTT subscriptions on/off anytime via the AU 0101 app. (Activate for 30 or 90 days, Pay only for what you use) [Partners: AU 0101 App]

Domestic Airport Lounge: 4 per quarter at railway lounges across India via IDFC Railway Lounge Access (Guest Access: Paid guest access)

Fuel Surcharge Waiver: 1% (Max waiver ₹200 per month)

25% Movie Discount on Paytm: 25% discount on movie tickets up to ₹100 on Paytm Movies app (once per calendar month). (Valid on Paytm Movies app) [Partners: Paytm Movies]

Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)

Good Food Trail Dining Privileges: Up to 15% discount on dining bills at partner restaurants. (Swiggy Dineout participating outlets) [Partners: Swiggy Dineout]

Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)

Swiggy Dineout Additional Discounts: Extra up to 10% discount on top of restaurant offers when paying with Swiggy HDFC card via Swiggy Dineout. (Applicable at all Swiggy Dineout partner restaurants) [Partners: Swiggy Dineout]