Updated March 2026Credit Card Interest Rate (APR) in India (2026)
42.0%
Ranked #27 of 30 • Global avg 40.1%
The typical credit card APR in India sits at 42.0%, above the global average of 40.1%.
Among the 30 economies tracked by NoodlePants, India ranks #27 for credit card apr — near the bottom of the global ranking.
Carrying a $1,000 balance at 42.0% APR costs roughly $420 per year if only the minimum is paid.
All financial metrics for India
Where India ranks among 30 countries
#1
Switzerland
Switzerland12.5%
#2
Sweden
Sweden13.5%
#3
Italy
Italy13.9%
#4
Netherlands
Netherlands14.0%
#5
Japan
Japan14.5%
#6
Germany
Germany14.8%
#7
Greece
Greece15.2%
#8
Thailand
Thailand16.0%
#9
France
France16.2%
#10
Portugal
Portugal16.8%
#11
Spain
Spain17.5%
#12
Malaysia
Malaysia18.0%
Compare India's credit card apr
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