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Best Credit Cards in India

Best Credit Card in India

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 in India 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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    List of Best Credit Cards in India September 2021

    Want a credit card to shop for your favourite goodies? A bunch of best credit cards in India with a wide range of benefits is shown in the table below. Compare and 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

    Annual Fee – ₹499

    Why Should You Go for It?

    • One of those very few best credit cards in India that would appeal to almost every segment of the Indian shoppers, 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.

    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)

    You can redeem the earned reward points against cash with this one of the best credit cards in India.

    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

    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

    Do you know why this card comes in the list of best credit cards in India? One of the reasons is the welcome benefit of 1,000 reward points that you get on joining. Check out the other reasons mentioned below.

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    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

    8,000 reward points on the payment of joining fee and a purchase made within 30 days of the card issuance makes this RBL card as one of the best credit cards in India.

    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

    SimplyCLICK SBI Card

    Enjoy Log-in Joining Gifts from Amazon, E-shopping Rewards from top brands like Lenskart, UrbanClap, etc. Milestone Rewards in the form of e-voucher and fuel surcharge waiver on fuel transactions are also there.

    Striking Features at a Glance

    • Earn 10X Reward Points on online spending with top partners like Amazon, BookMyShow, Cleartrip, Lenskart, etc.
    • On all other online spendings, you can earn 5X Reward Points. On every offline spend, you can earn 1X Reward Points
    • On spending ₹1 lakh in a year, you will get an e-voucher worth ₹2,000

    Annual Fee – ₹499

    Why Should You Go for It?

    • If you spend INR 1,00,000 in a year, you can get your annual fee (₹499) waived off in the following year.
    • A Welcome Benefit of Gift Vouchers from Amazon worth ₹500 on the payment of joining fee
    • Enjoy the contactless technology on your daily purchases with your SBI Credit Card

    HDFC MoneyBack Credit Card

    Enjoy the Super-saver facility on your every transaction with instant cashback on your HDFC Credit Card. For every spend of yours, you will feel rewarded in the form of reward points.

    Striking Features at a Glance

    • On every spending of ₹150, you will earn 2 Reward Points. Suppose you spend ₹600, you will get 8 Reward Points.
    • Shopping online with your MoneyBack Credit Card? Well, there are 2X Reward Points for you to enjoy, which means 4 Reward Points on every ₹150 spent.
    • Redeem earned reward points against benefits across different categories like Travel, Hotel Bookings, etc.

    Annual Fee – ₹499

    Why Should You Go for It?

    • Welcome Benefits in the form of 500 Cash Points when you pay the Membership Fee. Get your annual fee waived off in the next year if you spend ₹50,000 and above in the first year.
    • Convert your big purchases into monthly instalments with SmartEMI Facility on your credit card
    • You will get a Gift Voucher worth ₹500 on spends of ₹50,000 every quarter. If you calculate it, you can earn ₹2,000 Gift Vouchers in a year.

    Credit Card Eligibility

    Amazon Pay ICICI Credit Card

    • Have a 5% cashback of on Amazon if you are a prime member of Amazon. 
    • Have a cashback of 3% on Amazon through this card if you are a non-prime member. 
    • Enjoy 2% cashback by using this card on Amazon Pay at 100+ partnered merchants of Amazon. 
    • Get 1% cashback on all other categories like shopping, insurance, dinning, and holidays. 
    • Save up to 15% on dinning at over 2500 restaurants across India under the Culinary Treat Program through this credit card. 
    • Get a Fuel Surcharge waiver of 1% at all the refilling stations.
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    Flipkart Axis Bank Credit Card

    • Have a welcome and activation bonus of up to ₹3300 on this credit card. 
    • Enjoy a Flipkart Voucher of ₹500 after doing your first transaction from this card. 
    • Get a cashback of 5% on Flipkart and 2GUD through this Card. 
    • Have a cashback of 4% on the Cure.fit. 
    • 4% Cashback on Goibibo, PVR, Ubereats, and Urbanclap. 
    • Enjoy a cashback of 1.5% on all other categories. 
    • Get 5% cashback on shopping from Myntra. 
    • Make Booking on MakemyTrip and get a cashback of 4%.
    • Enjoy 4 Complimentary Accesses to the Domestic Airport Lounges in India. 

    Kotak Royale Signature Credit Card

    • Redeem the reward points earned through this credit card on mobile recharge, Air Tickets, and at 10,000 merchandise stores through easyrewardz. 
    • Multiply your reward point 4 times on every spend of ₹500.
    • Get Complimentary access to Airport Lounges in India. 
    • Enjoy privileges such as gourmet meals, Widescreen Television, Resting Ares, Newspapers, Magazines, Free Wi-Fi Facility etc. 
    • Get a cover of ₹2.5 Lacs in case of the card loss and is used for any fraudulent means. 
    • Enjoy a fuel surcharge waiver on using card for transactions worth ₹500 to ₹3000. 
    • The maximum waiver is limited up to ₹3500 per year. 

    Axis Bank ACE Credit Card

    • Spend ₹10,000 within 45 days from the card issuance date and waive off the annual joining fee. 
    • Get a cashback of 5% on bill payment of the gas bills, electricity bills, DTH bills, and other utility bills on Google Pay.
    • Have a flat cashback of 4% on Swiggy.  
    • Enjoy a cashback of 4% on OLA.
    • Get 4% cashback on Zomato. 
    • There is a cashback of 2% on all other spending through this credit card. 
    • There is no maximum limit on cashback. 
    • Enjoy a discount of up to 20% at the 4000+ partnered restaurants in India. 
    • Get 4 complimentary visits to the domestic airport lounges. 
    • Enjoy a Fuel Surcharge waiver of 1% at all the refilling stations up to ₹500 per month.

    Axis Bank My Zone Credit Card

    • Get an Annual Subscription of Sony Liv Premium of ₹999 on your first spend within 30 days of the card issuance. 
    • Enjoy a 100% cashback on Movie tickets book from Paytm. 
    • Enjoy 4 Edge Reward Points per ₹200 spend from the Axis My Zone Credit Card. 
    • Get a Flat ₹600 off on AJIO on a minimum transaction of ₹2000.
    • Get a discount of up to 20% on dinning under the Dinning Delights Scheme. 
    • Have 40% off on swiggy food delivery application up to 4 times a month. 
    • Get 1 free access to the airport lounge per quarter. 
    • Enjoy a discount of 1% on fuel surcharge. 

    Axis Bank NEO Credit Card

    • Enjoy an Amazon Gift Voucher of ₹250, Zomato Pro 3 months subscription, 1mg and Grofer’s 6 months subscription on your first spend within 30 days of card issuance. 
    • Get a cashback of 5% on mobile recharges, DTH Recharges, Electricity Bill Payments through Paytm App. 
    • Get a 10% discount on Myntra, Grofers, and Bookmyshow subjected to a maximum discount as per the offer. 
    • Enjoy 1 Edge Reward Point on spending ₹200 from this credit card. 
    • Have a discount of 40% on Swiggy food delivery application up to 2 times a month. 
    • Get 15% off under the dinning delight scheme at the partnered restaurants. 

    SBI Prime Credit Card

    • Enjoy the welcome bonus of up to ₹3000 from any of the following brands:-
    • Marks and Spencer 
    • Yatra
    • Bata
    • Hush Puppies
    • Pantaloons
    • Shoppers Stop
    • Enjoy a complimentary club vistara silver membership. 
    • Enjoy free Trident Privilege Red Tier membership and exclusive 1000 points on registration. 
    • Enjoy a Pizza Hut E-Voucher of ₹1000 after spending ₹50000 in a calendar quarter. 
    • Get a Yatra E-Voucher of ₹7000 after spending ₹5 Lacs annually. 
    • Earn 20 reward points on every ₹100 spent on standing instructions for the payment of utility bills. 
    • Earn 15 reward points on spending ₹100 on Reliance Fresh, Reliance Trends, Reliance Smart, Reliance Footprint, Sahakari Bahandar, and Bigbasket stores. 
    • Get 10 reward points for every ₹100 spent on groceries, dinning, movies, and department stores. 
    • Have 20 reward points on every ₹100 spent on your birthday. 
    • Enjoy 4 complimentary visits to the international Airport Lounges under the priority pass program and it will be a maximum of 2 visits per quarter.
    • Get 8 Free visits to the Domestic Airport Lounges with a maximum of 2 visits per quarter. 

    SBI Elite Credit Card

    Earn an E-Voucher worth 5000 as a welcome gift that can be used on Yatra, Hush Puppies, Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop. 

    • Get free movie tickets of up to ₹6000 in a year. 
    • Enjoy a maximum discount of ₹250 per ticket with  a maximum booking of 2 tickets in a month. 
    • Achieve the transaction limit ₹3 and ₹4 Lacs and earn 10000 reward points at each milestone. 
    • Enjoy additional 15000 reward points on achieving the milestone of ₹5 Lacs and ₹8 Lacs. 
    • Multiply Reward Points 5 times at the dinning, grocery, and departmental store expenditure. 
    • Enjoy 2 Reward Points per ₹100 on every other transaction. 
    • On every expense of ₹100 at Vistara Flights, earn 9 Club Vistara Points. 
    • Have a free priority pass worth $99. 
    • Get 6 Complimentary accesses to the Airport Lounges per calendar quarter. 
    • Enjoy 1 complimentary lounge visit and 1 Upgrade voucher club Vistara membership. 
    • Have a 4 Free Golf Access at the top Gold Courses with 1 Free Golf Lesson across India. 
    • Enjoy 24×7 Concierge service through SBI Elite Credit Card. 
    • Enjoy Free Trident Privilege Red Tier membership. 
    • Earn 1500 Reward Points at the first visit to the Trident Hotel and ₹1000 hotel credit if you extend the stay. 
    • Enjoy a fuel surcharge waiver of 1% at all the refilling stations. 

    Standard Chartered DigiSmart Credit Card

    • Enjoy an instant discount of 20% up to ₹700 per month. 
    • Get a cashback of 15% on OLA, up to ₹600 per month. 
    • Get a discount of 10% on Zomato, up to ₹750 per month. 
    • Enjoy 10% off on Grofer’s up to ₹1000 per month. 
    • Enjoy weekends BOGO offer on INOX – Discounts of up to ₹400 per month. 
    • Have a discount on Yatra on Domestic Flights, International Flights, Domestic Hotels per quarter. 
    • Get renewal benefits in which monthly fee will be reversed on spends ₹5000

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