axis-bank

A 0.32% base card that turns into a 1.3% earner once you spend ₹30,000 a month, plus 10X points on clothes.

₹120 off Zomato, 10% off Blinkit and 5% off Paytm recharges every month, for ₹250 a year or lifetime free.

1% back in vouchers, 12,500 welcome points worth ₹2,500 and 8 lounge visits a year, but every perk now needs a spend target.