Best Credit Card 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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    List of Best Credit Cards in India for Salaried Person and Others

    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.

    Must Read  Shop well, shop judiciously via credit cards to save money

    Credit Card NameOffers & BenefitsFees & Charges
    SBI SImply Save Card
    • Earn 10x reward points per ₹100 spent on dining, groceries and departmental stores

    • Get 1 reward point for every ₹100 spent

    • Avail 2,000 bonus reward points on a spend of ₹2,000 in the first 60 days

    • 1% fuel surcharge waiver available across the petrol pumps

    • Get your annual fees reversed on a spend of ₹90,000 and above
      Interest-free credit period of 20-50 days
    • Annual Fee - ₹499 (one-time)

    • Renewal Fee - ₹499 (per annum)

    • Add on Fee - Nil (per annum)

    • Finance Charges - Up to 3.35% per month

    • Late Payment Charges - ₹100-750

    • Card Replacement Fee: ₹100

    • Rewards Redemption Fee:₹99

    • Cash Payment Fee:₹100

    • Over Limit Charges: 2.50% of over limit amount, subject to a minimum of ₹500
    HDFC Teacher’s Platinum Credit Card
    • Earn 2 reward points on every purchase of ₹150

    • Get 3X reward points on every ₹150 spent during the weekend (Saturdays & Sundays)

    • A gift of 500 reward points on Teacher’s Day, i.e. September 5, each year.

    • A 2.5% fuel surcharge waiver applicable

    • Interest-free credit period of upto 50 days
    • Annual Fee- As per Bank’s Norms

    • Renewal Fee- As per Bank’s Norms

    • Interest on Revolving Credit- As Per Bank’s Norms

    • Cash Withdrawal Limit- As Per Bank’s Norms
    ICICI HPCL Coral Credit Card
    • Earn 2 PAYBACK points on every purchase worth ₹100 (except fuel)

    • You can redeem 2000 PAYBACK points in a go which would be worth ₹500

    • With every fuel purchase at HPCL, you can earn 2.5% cashback and 1% surcharge waiver

    • On bookings made via Bookmyshow, you can get a discount of upto ₹100 on up to 2 movie tickets on a monthly basis

    • A minimum 15% savings on dining at more than 800 restaurants across India, courtesy Culinary Treats Program

    • A cashback of 2.5% on fuel refill at HPCL stations on a minimum transaction of ₹500

    • On a total expenditure of ₹50,000 and above, the annual fee of the subsequent year would be reversed.
    • Joining Fee - ₹199

    • Annual Fee - ₹199

    • Interest on Revolving Credit - 3.40% Per Month

    • No Supplementary Card Fee
    HDFC Doctor’s Superia Credit Card
    • 1,000 Reward Points as a welcome gift

    • Renewal benefits of 1,000 reward points

    • Earn 3 reward points on every spend of ₹150

    • Reward points can be redeemed at more than 20 international airlines

    • Redeem reward points against Air Miles at leading Indian airlines such as Jet Airways and Air India

    • Complimentary access to more than 600 airport lounges
    • Annual Fee & Other Charges as per Bank’s Norms
    ICICI Bank Instant Platinum Credit Card
    • Upto ₹100 discount on booking 2 tickets in a month at bookmyshow portal

    • Reward points redeemable for cash

    • A minimum 15% saving on dining over 800 restaurants via Culinary Treats Program of the bank
    • Overdue interest on extended credit and cash advances - 2.49% per month

    • No Annual & Joining Fee
    Axis Bank Select Credit Card
    • Luxury shopping voucher worth ₹1000, along with priority membership pass

    • Complimentary airport lounges across the globe
    • Complimentary golf round sessions

    • 15% discount on dining with Dining Delights Program
    • Finance Charges - 2.95% per month (for both retail purchases & cash advance

    • Cash Withdrawal Fee - 2.5% of the withdrawal amount, subject to a minimum of ₹250

    • Late Payment - ₹300-600

    • Overlimit Penalty - 3% of the overlimit amount, subject to a minimum of ₹500

    • No Annual & Joining Fee
    HSBC VISA Platinum Credit Card
    • 2 reward points on a spend of every ₹150

    • Earn 5 times rewards on purchases subsequent to surpassing the annual spend of ₹4 lakhs

    • Avail extra reward points on shopping at participating Extra partners

    • Regular reward points to be credited as soon as the transaction is posted on the HSBC Systems

    • Meanwhile, the extra rewards would get credited within 2 months at the end of purchase month

    • 3X reward points on offer with a spend on dining, telecom and hotels for the first year

    • A 10% cashback available on all the spends within 90 days of the card issue

    • A minimum spend of ₹10,000 has to be made to avail the cashback

    • The maximum cashback amount is ₹3,000 per card from 1st July, 2017 to 31st December, 2017.

    • For a cardholder to avail the cashback, a minimum of 3 transactions would be necessary.

    • In the absence of the same, cashback won’t be given.
    • No Annual & Joining Fee

    • Other Charges as applicable
    HDFC Regalia Credit Card
    • Earn 4 Reward Points on every purchase worth ₹ 150

    • Enjoy 2X Reward Points

    • On an annual spend of 3 lakh, you would get a renewal fee waiver next year

    • Bookings on official website of HDFC Regalia

    • Earn 6 Club Vistara points for an expenditure worth ₹ 100 on all Vistara flights

    • Get complimentary Club Vistara Silver membership

    • Avail an additional baggage allowance of about 5 Kg and priority airport check-in and boarding privileges

    • Get complimentary Priority Pass Membership for free access to over 1000 airport lounges worldwide

    • Savings on dining

    • Enjoy 24x7 Travel Concierge Assistance

    • Air accident cover of up to ₹1 crore

    • Get a medical emergency cover of 15 lakhs while travelling






    • First year membership fee - ₹2,500 + applicable taxes

    • Other Charges as applicable
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    Personal Loan Interest Rates November 2017
    Bajaj Finserv 11.99% - 15.50%
    Fullerton India 14.00% - 33.00%
    HDFC Bank 10.99% - 20.70%
    ICICI Bank 11.00% - 18.40%
    IndusInd Bank 12.99% - 20.00%
    Kotak Bank 10.99% - 17.99%
    RBL 14.00% - 20.00%
    Standard Chartered Bank 10.99% - 14.49%
    Tata Capital 13.00% - 21.00%
    Home Loan Interest Rates November 2017
    State Bank of India/SBI 8.30% - 8.60%
    HDFC 8.35% - 8.95%
    Bank of Baroda 8.30% - 9.30%
    LIC Housing 8.35% - 8.70%
    PNB Housing Finance 8.35% - 8.70%
    ICICI Bank 8.35% - 8.85%
    Axis Bank 8.35% - 8.75%
    Citibank 8.60% - 9.35%
    Indiabulls Housing Finance Limited 8.35% - 8.55%
    Kotak Bank 8.35%
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