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Credit cards with welcome benefits

156 credit cards whose banks state a welcome benefit (points, vouchers, cashback or a fee reversal when you join), each with its conditions in the bank's own words.

Updated 19 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.

American Express

  1. American Express Membership Rewards Credit Card

    • Welcome Gift of 4,000 Bonus Membership Rewards® Points

    Annual fee ₹4,500 + GST

  2. American Express SmartEarn Credit Card

    • Rs. 500 cashback as a Welcome Gift on eligible spends of Rs. 10,000 in the first 90 days of Cardmembership

    Annual fee ₹495 + GST

  3. American Express Gold Card

    • Welcome Gift of 4,000 Bonus Membership Rewards® Points

    Annual fee ₹4,500 + GST

  4. American Express Platinum Card

    • Welcome gift on net spends of ₹50,000 in first 2 months of Cardmembership and payment of annual fee, with option to choose vouchers from catalogue

    Annual fee ₹66,000 + GST

  5. American Express Platinum Reserve Credit Card

    • Get a Welcome Gift of 11,000 Bonus Membership Rewards Points.

    Annual fee ₹10,000 + GST

AU Small Finance Bank

  1. AU SPONT Credit Card

    • Earn 500 coins on first UPI transaction made on AU 0101 App

    Annual fee ₹299 + GST

  2. Xcite Ultra Credit Card

    • Complimentary Annual Times Prime Membership that gives access to 20+ subscription & 40+ discount-led offers

    Annual fee ₹749 + GST

Axis Bank

  1. Airtel Axis Bank Credit Card

    • Get amazon eVoucher worth ₹250 on first transaction made within first 30 days of card issuance.

    Annual fee ₹500

  2. Axis Bank Atlas Credit Card

    • Enjoy 2500 EDGE Miles as welcome benefit upon first transaction on your ATLAS credit card within 37 days from the date of card issuance

    Annual fee ₹5,000

  3. Axis Bank Magnus Credit Card

    • Choose any one voucher worth ₹12,500* from below options: · Luxe gift card or The Postcard Hotels gift voucher or Yatra gift voucher

    Annual fee Annual fee ₹12,500 + Taxes; waived off on spend of ₹25 Lakhs in preceding year

  4. Axis Bank My Zone Credit Card

    • Receive a SonyLIV premium annual subscription valued at ₹1499 for free with your first purchase within first 30 days of issuance

    Annual fee ₹500

  5. Axis Bank Privilege Credit Card

    • Get 12500 EDGE REWARD points, Worth ₹2500 redeemable against vouchers upon levy of joining fees and on completion of 1st transaction within 30 days of card issuance. · Free cards, first year free cards, and priority segment customers are not eligible for this benefit.

    Annual fee ₹0

BOBCARD

  1. Assam Rifles The SENTINEL

    • 500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.

    Annual fee ₹0

  2. BOBCARD Etihad Guest Premium

    • 15,000 Extra Etihad Guest Bonus Miles: 10,000 joining miles on spends of ₹25,000 in the first 60 days and upon payment of your joining fee + 5,000 spend‑based miles on cumulative spends of ₹50,000

    Annual fee ₹5,000 + GST

  3. BUPB BGGB BRKGB Pragati

    • Earn 500 Reward Points on spent of ₹5,000 within 60 days of card issuance.

    Annual fee ₹250

  4. CMA One

    • 500 reward points on spend of ₹5,000 and above within 60 days of card issuance

    Annual fee ₹0

  5. Easy

    • 500 reward points on spends of Rs 5000 within 60 days of card issuance

    Annual fee ₹500

CSB Bank

  1. Edge CSB Bank Credit Card

    • Welcome voucher valued at Rs. 250 after the first successful UPI credit card transaction of Rs. 2000 or more from the Edge CSB Bank Credit Card on Jupiter App

    Annual fee ₹0

DBS Bank India

  1. DBS Spark Credit Card

    • Enjoy Welcome Bonus Of Up To 7,500* Cash Points

    Annual fee ₹499

  2. DBS Vantage Card

    • Enjoy a welcome bonus of 10,000 Vantage Points* on making your first transaction within 30 days of card setup and payment of joining fee*.

    Annual fee From the second year onwards: DBS Treasures Elite customers Rs. 10,000; DBS Treasures customers Rs. 20,000; Any other segment/NTB customer Rs. 50,000

DCB Bank

  1. DCB novio Credit Card

    • Welcome benefits worth ₹5,000

    Annual fee ₹0

Federal Bank

  1. Federal Bank VISA Imperio Credit Card

    • Amazon Pay e-Voucher worth ₹400 on minimum spend of Rs.5,000 in first 30 days

    Annual fee ₹0

HDFC Bank

  1. Diners Club Privilege Credit Card

    • Complimentary Annual memberships of Swiggy One and Times Prime on spending ₹75,000 within the first 90 days of card issuance

    Annual fee ₹1,000 + GST

  2. Doctors Regalia Credit Card

    • Welcome Benefit of 2500 Reward Points (applicable only after the membership fee is realised and not applicable when the fee is waived off)

    Annual fee ₹2,500 + GST

  3. Doctors Superia Credit Card

    • 1,000 Reward Points on Joining

    Annual fee ₹1,000

  4. Flipkart Wholesale HDFC Bank Credit Card

    • ₹500 CashBack per transaction on first 3 purchases within 90 days of on-boarding, (Min.txn of ₹2,000 each and spends limited to Flipkart Wholesale online platforms only)

    Annual fee ₹499 + GST

  5. Freedom Credit Card

    • 500 Reward Points on fee realisation (Applicable only on payment of Joining Membership Fee)

    Annual fee ₹500 + GST

HSBC India

  1. HSBC Taj Credit Card

    • Get two nights' breakfast-inclusive stays at hotels across India and a one-night stay at Taj Palaces when you activate your card

    Annual fee There is also an annual fee INR1,10,000, which is paid annually once you've had the card for 12 months.

  2. Live+ Card

    • Receive a voucher worth INR750 for Amazon Pay, Zomato and Swiggy when you activate your card with a single transaction of INR300 or more

    Annual fee ₹999

  3. RuPay Cashback Card

    • Get INR500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR10,000 within 30 days of getting your card. · Get an INR250 Amazon eGift Voucher when you apply online, verify yourself by video and receive your card. · Enjoy 2-months EazyDiner membership when you activate your RuPay credit card. · Plus, get INR250 cashback when you link your card to UPI and make 2 transactions of INR250 or more within 30 days of getting your card.

    Annual fee ₹499

  4. RuPay Platinum Card

    • Get INR500 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR5,000 within 30 days of getting your card. · Get an INR250 Amazon eGift Voucher when you apply online, verify yourself by video and receive your card. · Enjoy 2-months EazyDiner membership when you activate your RuPay credit card. · Plus, get INR250 cashback when you link your card to UPI and make 2 transactions of INR250 or more within 30 days of getting your card.

    Annual fee ₹0

  5. TravelOne Credit Card

    • Download and log on to the HSBC India Mobile Banking app and spend INR25,000 within the first 30 days of opening your credit card account to get: · INR1,000 cashback · INR3,000 PostCard voucher

    Annual fee Afterwards, the annual fee is INR4,999, or free if you spend more than INR 800,000 a year.

ICICI Bank

  1. Adani One ICICI Bank Platinum Credit Card

    • Flight vouchers worth ₹2000 on spends of ₹10,000 within 60 days of card activation

    Annual fee ₹750 + GST

  2. ICICI Bank Adani One Signature Credit Card

    • Flight vouchers worth ₹5,000 on spends of ₹25,000 within 60 days of card activation

    Annual fee ₹5,000 + GST

  3. ICICI Bank Emeralde Private Metal Credit Card

    • Get Taj Epicure Plus Membership, EazyDiner Prime Membership and 12,500 Reward Points

    Annual fee ₹12,499 + GST

  4. ICICI Bank Emirates Emeralde Credit Card

    • Get 10,000 Skywards Miles and Emirates Skywards Silver Tier Membership

    Annual fee ₹10,000

  5. ICICI Bank Emirates Sapphiro Credit Card

    • Get 5,000 Skywards Miles and Emirates Skywards Silver Tier Membership

    Annual fee ₹5,000 + GST

IDBI Bank

  1. Aspire Platinum Credit Card

    • 500 bonus delight points on card activation.

    Annual fee ₹0

  2. Euphoria Credit Card

    • 500 bonus delight points on card activation.

    Annual fee ₹1,499

  3. IDBI Bank LICCSL 'Elat' Credit Card

    • 500 bonus delight points on card activation.

    Annual fee ₹0

  4. IDBI Bank LICCSL 'Lumine' Credit Card

    • 500 bonus delight points on card activation

    Annual fee ₹0

  5. Imperium Credit Card

    • 500 bonus delight points on card activation.

    Annual fee ₹499

IDFC FIRST Bank

  1. Ashva Credit Card

    • On payment of joining fee, you can earn up to 7,500 reward points as a joining benefit.

    Annual fee The Ashva Credit Card comes with a Joining Fee of ₹2,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹2,999 + GST.

  2. Diamond Reserve

    • On payment of the joining fee, you will receive multiple premium brand offers worth over ₹5,000, including complimentary memberships and discounts from ET Prime, Lenskart, MakeMyTrip, Mokobara, and IDFC FIRST Bank Mobile App.

    Annual fee ₹3,000 + GST

  3. FIRST Classic

    • A ₹500 gift voucher from top brands upon spending ₹5,000 within 30 days of card generation; 5% cashback (up to ₹1,000) on your first EMI transaction within the same 30-day window

    Annual fee ₹0

  4. FIRST Digital RuPay Credit Card

    • 100% cashback of ₹200, i.e. up to ₹50 each, on first 4 UPI transactions done within 15 days of card issuance

    Annual fee ₹199 + GST

  5. FIRST EA₹N Credit Card

    • 10% cashback up to ₹250 on your first transaction, done within 15 days of card generation

    Annual fee ₹499 + GST

IndusInd Bank

  1. Celesta Credit Card

    • Welcome gift on payment of the Joining fee

    Annual fee ₹5,000

  2. IndusInd Bank PIONEER Private Credit Card

    • Spend 1 Lakh in first 30 days and get bonus reward points of 6000

    Annual fee Annual maintenance fee of Rs 25K, waived upon spending Rs 10L or more in the previous year; Rs 50k to be charged if the client is downgraded from PIONEER Private status

  3. Legend Credit Card

    • Welcome gift of Montblanc, Post Card, Vouchagram or Vouchagram Premium, available at select fee points only

    Annual fee ₹0

  4. Pinnacle Credit Card

    • Welcome gift under Pinnacle Welcome (Montblanc, The Postcard Hotel, Vouchagram, Vouchagram Premium), only applicable on select fee plan

    Annual fee ₹0

  5. Platinum Visa Credit Card

    • Welcome gift under Platinum Welcome: Montblanc, The Postcard Hotel, Vouchagram, Vouchagram Premium; welcome gift is only applicable on select fee plan

    Annual fee ₹0

Kotak Mahindra Bank

  1. Indigo Kotak Premium Credit Card

    • Kick start your IndiGo Kotak Credit Card journey with a welcome benefit voucher of 4000 IndiGo BluChips and a 6E Eats voucher

    Annual fee ₹3,000

  2. Kotak Air+ Credit Card

    • Earn 2,500 Air Miles as Welcome Benefit

    Annual fee ₹3,000 + GST

  3. League Platinum Credit Card

    • 5,000 Rewards points worth Rs.500/- on joining; Applicable for league joining fee variant only

    Annual fee ₹499

RBL Bank

  1. Icon Credit Card

    • Get 20,000 bonus reward points as welcome benefit. · Avail the welcome benefit in two simple steps: Step 1: Swipe and use your card within 30 days of card issuance. · Step 2: Pay the annual membership fee by the payment due date.

    Annual fee ₹5,000 + GST

  2. Platinum Maxima Plus Credit Card

    • Begin your Platinum Maxima Plus Credit Card Journey with 10,000 Reward Points as Welcome Benefit. · Avail the welcome benefit in two simple steps: Step 1: Swipe and use your card within 30 days of card issuance. · Step 2: Pay the annual membership fee by the payment due date.

    Annual fee ₹2,500

SBI Card

  1. AIR India SBI Signature Card

    • 20,000 reward points on payment of Joining Fee · Complimentary membership of Air India Maharaja Club - Air India Maharaja Points.

    Annual fee ₹4,999 + GST

  2. Apollo SBI Card SELECT

    • Get Apollo 24|7 e-Gift Voucher worth Rs. 1,500 on payment of Joining Fee · Complimentary in-built Apollo Circle Benefits

    Annual fee ₹1,499 + GST

  3. BPCL SBI Card

    • Get 2,000 bonus reward points worth Rs. 500

    Annual fee ₹499 + GST

  4. BPCL SBI Card OCTANE

    • Get 6000 bonus reward points worth Rs. 1,500 on payment of Annual Fee

    Annual fee ₹1,499

  5. Flipkart SBI Card

    • Rs. 250 Flipkart Gift Card on fee realisation · Rs. 1000 additional benefit on the first transaction on Flipkart

    Annual fee ₹500 + GST

South Indian Bank

  1. South Indian Bank SBI Platinum Card

    • Make your first payment and get a gift voucher worth ₹3,000

    Annual fee ₹2,999 + GST

Standard Chartered India

  1. Beyond Credit Card

    • Welcome vouchers from Taj, MakeMyTrip, Luxe Gift Cards and many more top brands

    Annual fee ₹25,000 + GST

  2. Manhattan Credit Card

    • 5000 Reward Points on payment of Joining Fees

    Annual fee ₹999 + GST

  3. Smart Credit Card

    • Extended interest free credit period for the first 90 days post credit card issuance by paying only the minimum amount due

    Annual fee ₹499 + GST

  4. Ultimate Credit Card

    • 6000 Reward Points worth Rs. 6000 on payment of joining fee

    Annual fee ₹5,000

Union Bank of India

  1. Union UNI-CARBON Credit Card

    • Up to Rs.300 by way of credit to the Bill; The Customer must purchase fuel worth Rs.300 and above at HPCL authorized fuel outlet within 60 days from activation of card

    Annual fee ₹550

  2. Union Unicorn Rupay Credit Card

    • Spend min Rs 10000 within 30 days & earn additional 4000 reward points

    Annual fee ₹2,400