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Best Credit Cards 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 shopping, traveling, or meeting emergency needs, a credit card stands by you. When the cash in hand and cash at the bank become null and void. When you look at the list of credit cards available in today’s times, it is endless. There are shopping cards, travel cards, fuel cards, cashback cards, and much more. Choosing from the exhaustive list is a thankless job, isn’t it? Recognizing this difficulty, we have come up with a list of the best credit cards in India that you would like to shop with. These cards have exclusive features and benefits that allow you to save some bucks.

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 exclusive 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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    List of Top 20 Best Credit Cards in India February 2024

    Want a credit card to shop for your favorite goodies? A bunch of credit cards in India with a wide range of benefits are shown in the table below. Compare and Choose from the list that resonates with your shopping demands and go through the striking features of every card.

    List of Best Credit CardsStriking Features of the Credit CardsSuitabilityJoining FeeAnnual Fee
    SimplySAVE SBI Card- Multiply your reward point 10 times per ₹150 spent on dining, movies, departmental stores, and groceries.
    - Convert heavy transactions of above ₹150 into EMIs.
    Best for Grocery Shopping₹499₹499
    BPCL SBI Card- Enjoy 13X Reward Points at BPCL Fuel Stations.
    - Earn 2000 Bonus Reward Point as an activation bonus.
    Best for Fuel Purchase₹499₹499
    ICICI HPCL Coral Credit Card- Redeem 2000 reward points against the fuel purchase of ₹500.
    - Get 2.5% Cashback on Fuel Purchase at HPCL Fuel Stations.
    Best for Fuel Purchase₹199₹199
    ICICI Bank Instant Platinum Credit Card- Earn 2 Payback Points per ₹100 on all the transactions.
    - Get up to 15% off on dining at over 800 restaurants in India.
    Best for DiningNILNIL
    HDFC Doctor’s Superia Credit Card- Earn 1000 bonus reward points as an activation gift.
    - Enjoy 3 Reward Points per ₹150 on this credit card.
    Best for Medical ProfessionalsAs applicable by the bank₹1000
    HDFC Regalia Card- Enjoy free access to the airport lounges through this credit card.
    - Get up to 25% off on dining using this credit card.
    Best for Luxurious Experience₹2500₹2500
    Standard Chartered Manhattan Platinum Credit Card- Get 5000 reward points as an activation bonus on this credit card.
    - Get 5% cashback on grocery, departmental store, and supermarket spending.
    Best for Grocery Shopping₹999₹999
    SBI Pulse Credit Card- Get a Noise Color Fit Smart Watch as an activation bonus.
    - Enjoy 10 Reward Points per ₹100 on Pharmacy, Chemists, Movies, and Dining Expenditures.
    Best for Fitness Freaks₹1499₹1499
    SimplyCLICK SBI Card- Get 10X Reward Points on Amazon, Apollo 24X7, BookMyShow, Eazy Diner, Cleartrip, Netmeds, and Lenskart.
    - Multiply your reward points 5 Times through online transactions.
    Best for Saving Money₹499₹499
    HDFC Money Back Credit Card- Get 500 Cash Points as an activation bonus.
    - Earn 4 Reward Points per ₹150 on all the online transactions.
    Best for Earning Cashback₹499₹499
    Amazon Pay ICICI Credit Card- Prime Customers of Amazon can grab 5% back on Amazon.
    - Non-Prime Amazon Customers can grab 3% back on Amazon.
    Best for Online ShoppingNILNIL
    Flipkart Axis Bank Credit Card- Enjoy an activation bonus of ₹3300 on this credit card.
    - Get 5% Cashback on Flipkart and 2GUD.
    Best for Online Shopping₹500₹500
    Kotak Royale Signature Credit Card- Earn 4X Reward Points per ₹150 on this credit card.
    - Enjoy a Fuel Surcharge Waiver of 1% at the refiling stations.
    Best for Luxurious ExperienceNIL₹999
    Axis Bank ACE Credit Card- Enjoy 5% Cashback on the Utility Bill Payments through this card.
    - Get 4% Cashback on Swiggy, OLA, and Zomato.
    Best for Saving Money₹499₹499
    Axis Bank My Zone Credit Card- Grab discounts on movie tickets on Paytm through this card.
    - Get up to 40% off on Swiggy 4 times a month.
    Best for Dining₹500₹500
    Axis Bank NEO Credit Card- Get 10% off on Myntra using this credit card.
    - Enjoy 10% Cashback on Mobile Recharge using Freecharge.
    Best for Shopping₹250₹250
    SBI Prime Credit Card- Enjoy a Voucher worth ₹3000 as a welcome gift on this credit card.
    - Have a Club Vistara Silver Membership for free.
    Best for Earning Vouchers₹2999₹2999
    SBI Elite Credit Card- Get a welcome gift of ₹5000 on this card in the form of vouchers.
    - Enjoy complimentary access to the airport lounges through this card.
    Best for Earning Reward Points₹4999₹4999
    Standard Chartered DigiSmart Credit Card- Get 15% cashback on OLA through this card.
    - Enjoy 10% off on Zomato and Grofers using this credit card
    Best for Saving MoneyNo Joining Fee₹49

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

    Detailed Features and Benefits of the Top Credit Cards

    You have explored all the striking features of the best cards. But here you can see the other benefits of the cards in detail.

    SimplySAVE SBI Card

    This card is one of the best credit cards available that will help you to earn reward points and other discounts. You can explore the features of this card below.

    BPCL SBI Card

    This card is the best for managing your fuel expenses. You can save some bucks on fuel transactions using this credit card.

    ICICI HPCL Coral Credit Card

    If you want to cut off your fuel expenses then this credit card will be best for you. It has various offers on fuel transactions that you can explore below.

    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 and also earn dining discounts.

    HDFC Doctor’s Superia Credit Card

    Do you know why this card comes on 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 and you should also check out the other reasons mentioned below.

    HDFC Regalia Card

    This credit card is best for earning reward points. You can save a lot of money through this credit card and earn reward points too. The salient features of this credit card are below

    Standard Chartered Manhattan Platinum Credit Card

    You can earn cashback and discounts through this credit card. It is the best credit card for making your day-to-day transactions and earning reward points through it. The features of this card are:-

    SBI Pulse Credit Card

    It is one of the best credit cards in India that focuses on your fitness. You can enjoy health benefits on this card and explore the exclusive features below:-

    SimplyCLICK SBI Card

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

    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 using this best credit card.

    Credit Card Eligibility

    Amazon Pay ICICI Credit Card

    It is one of the best credit cards for shopping in India because you can grab the best deal on Amazon through this card. You can explore the offers of this credit card below:-

    Flipkart Axis Bank Credit Card

    If you are a shopping freak then this credit card is one of the best shopping credit cards in India that gives you exclusive deals on Flipkart’s official website and mobile application.

    Kotak Royale Signature Credit Card

    You will enjoy complimentary access to the airport lounges through this credit card. It is the best credit card to have a luxurious experience.

    Axis Bank ACE Credit Card

    This card is the best for making utility bill payments and ordering food online through Zomato and Swiggy App. There are many other offers available on this card that you can explore below.

    Axis Bank My Zone Credit Card

    The Axis My Zone Credit Card will give you a great experience in dining. Whether you visit a restaurant or order food online through apps. There are many other features of this card that you can explore below.

    Axis Bank NEO Credit Card

    The Neo credit card gifts you an Amazon Voucher and Zomato Pro subscription for 3 months. This card would be best for making utility bill payments.

    SBI Prime Credit Card

    It is one of the best credit cards in India for earning vouchers. You can use this credit card for earning reward points along with gift vouchers.

    SBI Elite Credit Card

    This credit card is the best for earning reward points on various transactions. It allows you to grab the best deals for redeeming your reward points earned through this credit card.

    Standard Chartered DigiSmart Credit Card

    This credit card is the best credit card in India that allows you to earn discounts and cashbacks on OLA Rides, Zomato, and Grofers. There are some other offers available on this card that you can explore below.

    Frequently Asked Questions (FAQs)

    1. How to Increase Credit Card Limit?

    You can increase your credit card limit by choosing the following habits:-
    – Make timely payments for your credit card bills.
    – Avoid paying only the minimum amount due.
    – Keep the credit utilization ratio low.
    – Reduce other financial burdens and debts.
    – Keep a track of your spending’s.
    – Show a high-income proof to the bank and they might increase your credit card limit.

    2. Which Credit Card is Better: Amazon ICICI or Flipkart Axis?

    The choice of a shopping credit card depends wholly upon your needs. If you prefer shopping from Amazon then you can choose the Amazon Pay ICICI Credit card because it has a lot of offers and benefits on Amazon. On the other hand, if you mostly buy online products from Flipkart then you can grab the best deals on this website by using the Axis Bank Flipkart Credit Card.
    Therefore, the choice between these two cards depends on the online website you prefer for shopping.

    3. Which Credit Card has No-Annual Fee?

    If you are looking for credit cards with no annual fee then you can apply for the Amazon Pay ICICI Credit Card or ICICI Bank Instant Platinum Credit Card. Both of them have exciting offers and discounts that save some bucks when you are using them.

    4. Which SBI Credit Card would be the best for me: SBI Prime or SBI Elite?

    Both credit cards have different purposes to be used. If we talk about the SBI Prime Credit Card then you can use it for shopping online and buying grocery items. On the other hand, the SBI Elite Credit Card grabs the best deals on entertainment like movie tickets. You can enjoy discounts and offers on movie tickets if you are applying for the SBI Elite Card.

    5. What Documents should I Submit to Apply for the HDFC Credit Card?

    If you are applying for the HDFC Credit Card then you will have to submit the following documents:-
    – Identity Proof- Aadhar Card, PAN Card, Passport, Voter’s ID Card, Driving License (Anyone)
    – Address Proof- Ration Card, Telephone Bill, Electricity Bill, Passport, Aadhar Card. (Anyone)
    – Income Proof- Latest Salary Slips, Form 16, ITR Documents (Anyone)

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