Best Credit Cards in India – Offers, Benefits, Rewards & Apply Online

A credit card is a simple plastic instrument that becomes your dear friend when the cash in your wallet dries out. Be it the shopping, travelling or meeting the emergency needs, a credit card stands by you when the cash in hand and cash at bank become null and void. And when you look at the list of credit cards available in today’s times, it is endless. There are shopping cards, travel cards, co-branded cards, fuel cards, and much more. Choosing from the exhaustive list is a thankless job, isn’t it? Recognizing this difficulty, we have come with a list of best credit cards that you would like to shop with. These cards have reward points, discount offers, cashback, free movie tickets and plenty more to interest the shopper in you. So, why not glance at the elusive list of cards and choose the one that can fulfill your shopping desire?

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Quotes from 11 banks | Best Offers and Rewards

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    Top 10 Best Credit Cards in India 2018

    Want a credit card to shop for your favourite goodies? A bunch of cards with a wide range of benefits is shown in the table below. Choose from the list that resonates with your shopping demands.

    Note – The fees & charges would also include 18% Goods and Services Tax (GST) over the same.

    SimplySAVE SBI Card

    Earn 2000 bonus reward points on spending ₹2,000 within the first 60 days of the card issuance

    Striking Features at a Glance

    • Accelerated reward structure in the offing with 10X rewards on every ₹100 you wish to spend on movies, groceries, departmental stores and dining
    • The gift of annual fee reversal is up for grabs on spending ₹90,000 in a year
    • Get a fuel surcharge waiver on your vehicle refill with transactions worth between ₹500-3,000
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    Annual Fee – ₹499

    Why Should You Go for It?

    • One of those very few cards that would appeal to almost every segment of the shoppers existing in India, SimplySAVE SBI Card is the one to pouch as early as possible.
    • It has accelerated rewards for moviegoers, grocers, diners, etc.
    • Annual fee reversal with ₹90,000 yearly spends

    BPCL SBI Card

    Enjoy 4.25% value back, equivalent to 13X reward points on fuel spends at BPCL petrol pumps and 1% surcharge waiver on refilling the vehicles for every transaction of up to ₹4,000

    Striking Features at a Glance

    • Earn 2,000 activation bonus reward points worth ₹500 on the joining fee payment
    • Reward points earned can be redeemed instantly for BPCL vouchers, fuel purchase at BPCL outlets or at Shop n Smile rewards catalogue
    • Enjoy 4.25% value back, equivalent to 13X reward points on fuel spends at BPCL petrol pumps plus 1% fuel surcharge waiver on refilling the vehicle with every transaction of up to ₹4,000
    • 5X rewards for every 100 spent on grocery, departmental store, dining and movies

    Annual Fee – ₹499

    Why Should You Go for It?

    • The card ranks among the fuel cards in India by giving 13X reward points on fuel spends at BPCL outlets along with the 1% fuel surcharge waiver on vehicle refill
    • Welcome benefit of 2,000 activation bonus reward points worth ₹500 on the payment of joining fee
    • Accelerated reward structure with 5X rewards on grocery and several other retail spends

    American Express Membership Rewards Credit Card

    Get 4,000 and 5,000 bonus membership reward points on joining and renewal, respectively

    Striking Features at a Glance

    • Welcome and renewal gift of 4,000 and 5,000 bonus membership reward points
    • 1,000 bonus membership reward points on four purchase transactions worth ₹1,000 or above every month
    • Attractive reward redemption from the fabulous 18 Karat and 24 Karat Gold Collection
    • Discount on booking flights and hotels both domestically and internationally

    Annual Fee – ₹4,500

    Why Should You Go for It?

    • Accelerated rewards on spends
    • Redemption of rewards for several gift vouchers from leading brands
    • A card for an avid traveller with discounts on both flights and hotel stays, be it on the domestic or international level

    ICICI HPCL Coral Credit Card

    Get 2 PAYBACK points on spending every ₹100 towards retail purchases excluding fuel. Redeem 2,000 PAYBACK points for a fuel purchase worth ₹500

    Striking Features at a Glance

    • Earn 2.5% cashback on a minimum purchase of ₹500 and enjoy 1% surcharge waiver on vehicle refill at HPCL petrol pumps
    • Enjoy your dine at over 800 restaurants with a minimum 15% discount
    • Get a discount of ₹100 on booking 2 movie tickets a month at BookMyShow

    Annual Fee – ₹199

    Why Should You Go for It?

    • A top fuel card with redemption and surcharge waiver
    • Rewards & cashback on retail spends
    • Discount on dining and movies

    ICICI Bank Instant Platinum Credit Card (Offered Against Fixed Deposit)

    Reward points earned are redeemable for cash

    Striking Features at a Glance

    • No joining & annual fee
    • A minimum 15% discount on dining at more than 800 restaurants
    • Discount worth ₹100 on up to 2 movie tickets a month at BookMyShow
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    Annual Fee – NIL

    Why Should You Go for It?

    • Fee waiver
    • Reward redemption for cash
    • Discount on dining and movies
    • Get your credit revolved at a low interest rate of 2.49% per month

    HDFC Doctor’s Superia Credit Card

    1,000 reward points to be credited as part of a welcome benefit

    Striking Features at a Glance

    • 1,000 reward points at the time of joining
    • 1,000 reward points at the time of renewal
    • Earn 3 reward points per every ₹150 spent, with 50% more on dining
    • First-year fee to be reversed on spending ₹15,000 in the first 90 days of the card setup date
    • Renewal fee to be reversed on spending ₹1 lakh in a year before the date of renewal
    • Air voucher worth ₹8,000 on spending ₹5 lakhs on the card
    • Enjoy a savings of up to ₹8,300 with complimentary lounge access and fuel transactions

    Annual Fee – ₹1,000

    Why Should You Go for It?

    • Reward points at the time of joining and renewal
    • Joining and renewal fee reversal on spending ₹15,000 in the first 90 days of card setup date and ₹1 lakh in a year before renewal
    • Complimentary lounge access
    • Rewards on retail spends

    HDFC Regalia Card

    Earn 15,000 bonus reward points on spending ₹8 lakhs or more in an anniversary year, which denotes a 12-month period from the setup date of the card or the last date of upgrade or downgrade.

    Striking Features at a Glance

    • Get 4 reward points per every ₹150 spent and redeem them against lifestyle options
    • Earn 10,000 and 15,000 reward points on spending ₹5 lakhs and ₹8 lakhs, respectively, in a year
    • Up to 15% discount on dining at premium restaurants in India
    • Complimentary airport lounge access via Priority Pass Program membership
    • 9 Club Vistara points on spending every ₹100 on all Vistara flights
    • Get an additional 5 kg baggage allowance
    • Priority check-in at airports

    Annual Fee – ₹2,500

    Why Should You Go for It?

    • Accelerated rewards on spends
    • Discount on dining at restaurants
    • Airport lounge access
    • Priority check-in and baggage allowance

    Citibank Citi Cashback Credit Card

    A cashback card that helps you save on your retail purchase, movie tickets, etc.

    Striking Features at a Glance

    • Enjoy 5% cashback each on purchasing movie tickets, telephone bill and other utility payments
    • Get up to 15% discount on dining at partner restaurants
    • EMI options available at over 2,000 consumer electronics and mobile outlets, as well as top retail chains and e-tailers for transactions above ₹2,500

    Annual Fee – ₹500

    Why Should You Go for It?

    • Cashback on card spends
    • Discount on dining at partner restaurants
    • Attractive shopping deals at leading brands across different categories
    • Smart EMI options

    Standard Chartered Manhattan Platinum Credit Card

    5% cashback on every ₹150 spent at supermarkets and departmental stores

    Striking Features at a Glance

    • 5% cashback on every ₹150 spent at supermarkets and departmental stores
    • 3X rewards on spends made other locations
    • Cashback and discount on leading brands from time to time

    Annual Fee – ₹999

    Why Should You Go for It?

    • Cashback on supermarket and departmental store spends
    • Accelerated rewards
    • Seasonal cashback and discount on leading brands

    RBL Bank Platinum Maxima Credit Card

    Earn 8,000 reward points on the payment of joining fee and a purchase made within 30 days of the card issuance

    Striking Features at a Glance

    • 8,000 reward points on joining fee payment and a card purchase within 30 days of its issuance
    • Purchases worth ₹100 to earn you 2 reward points
    • 5X rewards on dining, fuel, utility, entertainment and international spends
    • 10,000 reward points on spending ₹2 lakhs or more in a year
    • Additional 10,000 bonus reward points on spending ₹3.5 lakhs or more in a year

    Annual Fee – ₹2,000

    Why Should You Go for It?

    • Reward points in the beginning
    • Accelerated rewards on spends
    • Bonus rewards on spending up to ₹2-3.5 lakhs

    Personal Loan Interest Rates August 2018
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    Fullerton India14.00% - 33.00%
    HDFC Bank11.25% - 21.25%
    ICICI Bank10.99% - 18.40%
    IndusInd Bank10.99% - 16.00%
    Kotak Bank10.99% - 20.99%
    RBL13.00% - 18.00%
    Standard Chartered Bank10.99% - 14.49%
    Tata Capital10.99% - 18.00%
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