Synopsis: With several new credit cards being launched every year, choosing the right one has become more important than ever. This article compares some of the newly launched credit cards across various features to help consumers identify the card that best matches spending habits and lifestyle needs.
The credit card market in India has evolved significantly, with banks and fintech companies launching specialized cards focused on travel, dining, online shopping, UPI payments, and premium lifestyle benefits. From travel-focused cards like the IndiGo Axis Bank variants to cashback-driven options such as Hello Cashback and Swiggy co-branded cards, each product offers a unique value proposition. Comparing these cards on key parameters can help users maximize rewards while minimizing costs.
7 New Credit Cards Launched in 2026
Hello Cashback Credit Card
- Joining Fee: ₹1,000 + GST
- Fee Waiver Criteria: fee waived off on spends over ₹2,00,000
- Forex Mark-up Charges: 3.5% + GST
- Fuel Surcharge Waiver: 1% on transactions between ₹200 and ₹5000
- Welcome Benefits: ₹0 joining fee as an introductory offer
- Cashback: 5% on incremental online spends, 3% on online spends, 1% on in-store card swipes,
- Travel Benefits: additional 1% bonus cashback
- Milestone Rewards: 5% cashback on ₹10,000 in online spends
To apply for the card, please visit the Official Website
IndiGo Axis Bank Credit Card
- Joining Fee: ₹799+ GST
- Fee Waiver Criteria: NO waiver
- Renewal fee: ₹799+ GST
- Forex Mark-up Charges: 3.50%
- Fuel Surcharge Waiver: 1% on monthly spends of ₹50,000
- Welcome Benefits: 1,200 worth voucher of IndiGo BluChips
- Cashback in form of IndiGo BluChips: 1 per ₹100 on standard spends and 2 per ₹100 on groceries and dining.
- Travel Benefits: 3 IndiGo BluChips for every ₹100 spent
- Airport Lounge Access: complimentary domestic airport lounge visit per calendar quarter (minimum spend of ₹50,000 in the preceding 3 months.)
To apply for the card, please visit the Official Website
Swiggy BLCK HDFC Bank Credit Card
- Joining Fee: ₹1,000 + taxes
- Fee Waiver Criteria: 1st year fee waived off on ₹75,000 and renewal fee on ₹2,00,000
- Forex Mark-up Charges: 3.5% +GST
- Welcome Benefits: Complimentary 3-month Swiggy BLCK membership subscription
- Cashback: 10% Cashback on eligible Swiggy applications, 5% on online spends, 1% on other eligible retail categories
- Travel Benefits: 9% instant discount on hotel bookings and 6% off on flights via Cleartrip
- Movie & Entertainment Benefits: 5% cashback on BookMyshow
- 12 complimentary golf lessons per calendar year
To apply for the card, please visit the Official Website
Swiggy Ornge HDFC Bank Credit Card
- Joining Fee: ₹500 +taxes
- Fee Waiver Criteria: waived off on spends over ₹1,50,00 for the ornge variant and ₹2,00,000 for standard variant
- Forex Mark-up Charges: 3.5%+ GST
- Welcome Benefits: Complimentary Swiggy One Membership
- Cashback : 5% to 10% Cashback on the Swiggy App,5% Cashback on online spends, 1% Cashback on all other eligible categories
- Movie & Entertainment Benefits: 20% discount on dining via Swiggy Dineout
To apply for the card, please visit the Official Website
AU Ananta Credit Card
- Joining Fee: ₹2,000+ taxes
- Fee Waiver Criteria: waived off on spends over ₹3,00,000
- Forex Mark-up Charges: 1.99%
- Fuel Surcharge Waiver: 1% on transactions ranging between ₹400 and ₹5,000
- Welcome Benefits: Receive a welcome bonanza of 8,000 Bonus Reward Points upon card activation.
- Cashback: 15% instant discount (up to ₹500/month) on Amazon Fashion
- Travel Benefits: 15% instant discount on hotel bookings via the portal.
- Airport Lounge Access: Offers 4 complimentary domestic airport lounge visits per calendar quarter
- Complimentary Flight Benefits: 2 complimentary domestic flight seats (upto ₹350 per seat)
- Milestone Rewards: up to 50,000 bonus reward points in a card-anniversary( based on spending)
- Movie & Entertainment Benefits: complimentary annual Times Prime Membership
To apply for the card, please visit the Official Website
AU Laksya Credit Card
- Joining Fee: ₹1,000+ taxes
- Fee Waiver Criteria: fee waived on spends of ₹2,00,000
- Forex Mark-up Charges: 3.49% + GST
- Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹5,000
- Welcome Benefits: 4,000 Bonus Reward Points or a ₹1,000 Brand Voucher upon card activation
- Cashback: 15% instant discount at select partner merchants like Zomato (up to ₹250 off once a month) and Amazon Fresh/Now (up to ₹250 off once a month).
- Airport Lounge Access: Get 8 complimentary Domestic Airport Lounge visits per year
- Movie & Entertainment Benefits: BOGO free movie ticket every month on the District
To apply for the card, please visit the Official Website
AU Tejas Credit Card
- Joining Fee: ₹500 + taxes
- Fee Waiver Criteria: fee waived off on spends of ₹1,50,000
- Forex Mark-up Charges: 3.75% + taxes
- Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹5,000
- Welcome Benefits: 2,000 Bonus Reward Points or a ₹500 Brand Voucher
- Cashback: 10% cashback (up to ₹50 per category once a month) on Zomato food delivery, grocery delivery (Amazon Fresh/Now), and movies via District.
- 10% cashback (up to ₹50 per month) on cab/ride-hailing bookings including Uber, Ola, and Rapido.
- 10% cashback (up to ₹50 per month) on utility bill payments processed through the AU 0101 app.
To apply for the card, please visit the Official Website
AU Prathama Credit Card
- Joining Fee: ₹100+ taxes
- Fee Waiver Criteria: waived off on spends of ₹75,000
- Forex Mark-up Charges: 3.5% + GST
- Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹5,000
- Milestone Rewards: 2 Reward Points per ₹100 spent , Earn 2 Reward Points per ₹100 spent on Contactless, 500 Bonus Reward Points for every successful setup of a Standing Instruction/Recurring Transaction.
To apply for the card, please visit the Official Website
Conclusion
The ideal credit card for individuals depends on various factors like spending patterns, travel frequency, lifestyle, everyday spendings and savings. There are cards which focus on each of the factors and individuals need to evaluate features like fees, fee wavier, forex charges, reward structure etc to identify the best one for them.
Written by Boyapati Sai Jasmitha
