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Best Credit Cards in India (2024)
Check out the list of top credit cards in India for cashback, rewards & fuel benefits in India. Choose the right credit card to maximize your savings. Read More!
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A credit card is a basic need to maintain essential spending and lifestyle maintenance. We have conducted detailed research about popular and helpful credit cards in India. As a result, we have listed our top picks of the best credit cards in India based on features, benefits, and user reviews. Our list will give you detailed ideas and clarity in choosing the best-rated credit cards in India.
This card offers various discount vouchers from brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber and Ola. It offers a fuel surcharge waiver and high reward points on merchant purchases. The best part? You can easily get an instant credit card approved via a simple, paperless process, and the card comes with Zero Joining Fee and Zero Annual Fee.
It is a premium credit card with plenty of premium benefits for corporate use. It is offered with special invites with a complimentary Club Marriott membership for the first year of the card. It is the best credit card in India, ideal for elite corporate uses with the facilities like complimentary premium buffets at ITC hotels and golf club membership.
Students studying in other cities also need credit cards for specific essential uses. Axis bank provides the best credit card for a student in a minimal range. This card offers the facilities like cashback on bill payments, food applications, and specific categories. In addition, the Axis bank Ace card offers a complimentary lounge visit, making it the best student credit card.
Although no credit cards offer zero interest, the best credit card in India offers minimal interest rates with premium benefits. SBI SimplySave Advantage credit card offers the lowest interest rate of 2.5 per cent with the lowest joining fees. In addition, it offers 10X booking rewards with global acceptance on merchant outlets with multiple payment options.
HDFC Diners Club credit card is one of the elite and premium credit cards with a range of premium benefits with standard membership of elite clubs with advanced saving values. In addition, there is an excellent reward point redemption and complimentary benefits listing it in the category of best credit card in India.
HSBC Cashback is the best credit card for lifestyle management, with compulsory cashback for every online spend. The credit card also offers complimentary airport lounge access at national and international airports. It offers complimentary access. It offers you the best facilities for travelling and shopping with foreign currency and global acceptance.
The YES bank prosperity reward plus card offers no annual perks, maximum rewards on everyday purchases, and an annual bonus. There is a special waiver offered on yearly spending according to the purchases. This best credit card in India offers maximum benefits with no annual charges.
It is the best credit card for 18-year-olds as it offers minimal annual charges with 100 per cent cashback as a welcome benefit. In addition, the credit card holder can also avail the discounts on dining bills and movie tickets.
Air India is the best travel credit card, with many benefits and premium offers. The card offers airport lounge accessibility, premium priority pass membership, and flexible reward redemption. It is the best credit card in India for frequent travellers and NRI individuals.
This credit card is the best for online shopping as it has no annual charges with five per cent cashback on an amazon membership. It is the best credit card in India, offering amazing reward redemption and cashback conversion in online shopping.
SBI SimplySave card is one of the best credit cards for grocery shopping as it offers reward redemption and accessibility to merchant outlets. It also provides 10X reward points on grocery and other related shopping.
It is the best credit card for eCommerce and other related aspects. The card provides many premium and attractive offers, like 1% cashback on every online purchase and 5 and 3% cashback for Amazon Prime and non-prime members, respectively.
It is the top credit card in India for NRIs, offering premium benefits for travelling, movies, and shopping. The credit card provides golf games and Club Marriott membership across India.
We have prepared a detailed list of India's top 10 credit cards with their joining and annual fee details. The comprehensive list provides you with all the related details to get clarity while choosing the compatible and accurate credit card for you.
In our list, you will get a definite mention of all the credit cards with details like joining and annual fees with redemption schemes, covered benefits and expenses, and payment limits. Let us start:
IndusInd Bank's Legend Credit Card is your card if you want a credit card with multiple benefits and a best-in-class rewards programme. Legend Credit Card offers exclusive offers on top brands, and you save up to ₹25,866 as a reward and an additional ₹2,400 savings on a fuel surcharge waiver. The card comes with Zero Joining fees and Zero Annual fees.
Special Features
Advantages
This best credit card offers you premium benefits while spending on multiple categories of food and shopping brands. The card provides a minimum joining fee of Rs 499 with maximum cashback and unlimited upper limit. It is the best credit card for basic expenses and complimentary benefits.
Special Features
●It offers 5% cashback on DTH and mobile recharge.
●Offers 2 per cent cashback on food orders on Zomato and Ola bookings.
●Annual fee: Rs 499
Why Choose
●It provides maximum reward redemption with no upper limit.
●The renewal fee is waived according to the earned reward points.
It is the best credit card in India in the super-premium category of credit cards. The card provides a wide range of benefits in the category of shopping, travel, dining, golf courses, etc. It offers elite advantages with maximum rewards and cash-back redemption. In addition, it has advanced accessibility for national and international usage.
Special features
●It offers a high reward point rate of 33.33 per cent means you get five reward points on every purchase of Rs 150.
●It offers conversions of reward points into smart vouchers and intelligent buys in the items under the HDFC catalogue.
●Annual fee: Rs 10,000
Why choose
●It provides the annual membership of Forbes, Zomato Gold, Club Marriott, and Amazon Prime.
●It offers premium benefits on HDFC diners clubs with hotels and flight ticket bookings.
Amazon Pay ICICI card is one of India's popular and top credit cards for online shopping and eCommerce businesses. It offers a range of elite features the user can avail of with lifetime benefits. It gained high popularity in India by providing 1% cash back on every purchase in any category.
Special features
Annual fee: NIL
Why choose
●It offers 3 per cent cashback to non-prime members.
●It provides a definite benefit to ICICI culinary treat program.
It is one of the top-rated cards with plenty of benefits on online purchases with interest-free credit periods and foreign currency transactions. In addition, it is the best credit card offering advanced access to airport lounges with a wide range of benefits considering reward points and partner brands.
Special features
●It provides welcome vouchers for Amazon, Zomato, and Myntra on the first spend of Rs 1000 in 30 days.
●It offers a 50% discount on the first Google pay transaction.
Annual fee: Rs 750
Why choose
●It provides 1.5 per cent cash back on every purchase.
●It offers complimentary access to airport lounges.
It is one of the popular and best credit cards offered by SBI, with premium benefits for basic spending under minimal charges. The card carries worldwide acceptance on plenty of merchant outlets with seamless bill payments and smart EMI conversions.
Special features
● The card offers 10X reward points on grocery shopping and dining.
● Special advantage on utility bills like water, electricity, etc.
Annual charges: Rs 499
Why choose
● It provides an intelligent EMI option with minimal interest rates.
● It has global acceptance with over 24,000 merchant outlets across the globe.
Yes-bank offers this card with the lowest interest rates and annual charges. In addition, the card offers elite benefits on national and international purchases with plenty of privileges for travel and lifestyle expenses. It also offers minimal joining and renewal charges with insurance coverage under specific regulations.
Special features
●It offers a special fuel surcharge waiver on any fuel pump across India.
●The card provides an advanced card shield for the primary cardholder in case of accidental death.
Annual Charges: Rs 399
Why choose
● It offers maximum rewards on basic spending on dining and groceries.
● It provides a high fee waiver on renewal and membership charges.
It is an all-rounder credit card offering premium benefits for multiple-category payments. The best credit card offers a range of luxurious benefits in shopping, travel, and airport lounge access. It also provides the priority pass membership with additional member joining and a range of insurance benefits with specific rules and regulations.
Special features
●It offers 10,000 rewards when the user achieves spending milestones.
●Advanced priority pass membership with one add-on member.
Annual charges: Rs 2500
Why choose
● The card offers a 1 per cent fuel surcharge waiver on all fuel pumps across India.
● It provides plenty of insurance benefits covering emergency hospitalization and accidental death.
The Air India signature card is ideal for frequent travellers across national and international borders. The card provides accelerated reward redemption on airport lounge access and flight bookings, with priority pass membership. It is the best credit card for NRI and travellers, offering many foreign currency benefits with high conversion rates.
Special features
●The card offers a range of reward redemption benefits with every spending.
●High conversion schemes of reward points into air miles.
Annual charges: 4,999
Why choose
● It provides maximum priority pass membership and premium benefits.
● It offers plenty of anniversary benefits.
It is one of the best credit cards under the fuel expenses range, providing benefits. It offers turbo reward points without expiry and can be redeemed at any fuel station in India. It also has advantages with grocery and retail expenses. The card can be used on any fuel pump across India.
Special features
●It offers premium benefits with turbo reward points and a wide range of redemption schemes.
● Free turbo points as a welcome benefit to the cardholder.
Annual Charges: Rs 1000
Why choose
●It offers a point redemption facility for grocery and other standard expenses.
●The card provides a 20 per cent dining discount on partner restaurants.
HDFC Infinia card is elite, and the best credit card offers special invites to individuals. This metal card offers luxurious benefits to the higher net-worth category, including high reward redemption rates for premium travelling, dining, and shopping expenses. In addition, the services associated with this card are offered to special invitees.
Special features
● It provides complimentary membership of club Marriott for stays and dining.
●It offers 10X reward points and easy redemption on every purchase.
Annual charges: Rs 4,999
Why Choose
●It provides unlimited access to international and domestic airport lounges.
● It provides premium benefits under membership and reward point redemption.
The Citi Rewards Credit Card is one of the best as it offers accelerated reward points for all purchases. The card has a minimum joining fee of Rs. 1,000 and welcomes you with up to 2,500 reward points. This card is an excellent choice for basic expenses, especially apparel shopping.
Special Features
Advantages
The SimplyCLICK SBI Card is amazing if you are an online shopping addict or want 0more reward points on all your online purchases. The card gives you a log-in gift by giving you an Amazon gift card worth Rs. 500 when you join.
Moreover, you get 5x reward points for all your basic online spending and 10x rewards when you shop online with their exclusive partners. Fast & convenient, this credit card is 100% safe and secure during transactions.
Special Features
Advantages
It is a comprehensive task to select the best-rated and compatible credit card according to the benefits, income, and reward redemption facilities. Therefore, we have compiled the best credit cards in India based on top ratings, features, rewards, and cashback.
It will surely help you select the best credit card according to your lifestyle and spending pattern. Hence, we adopted a definite method to list the credit card options. Below are the mentions:
● Features: The credit card in our list consisted of premium features with luxurious and basic benefits for national and international usage. We have included the best credit cards with maximum complimentary benefits, premium vouchers, and other accessible features.
● Ratings: Many banks offer credit cards with several features and coverage. According to consumer and finance consultant platforms, we have included the top-rated credit card. The best rating provides a detailed idea about top credit cards functional for domestic and international customers.
● Rewards: Consumers are highly attracted to the associated reward points offered with credit cards. We have listed the top credit cards in India, offering maximum reward points and high conversion rates.
● Cashbacks: Our list includes the credit cards in India which offer cashback and waivers of joining and renewal charges. We have listed the credit card that offers cashback for premium shopping, dining, and fuel within national and international borders.
FAQs
According to the premium features, benefits, and reward points, HDFC Regalia Credit Card is the best credit card in India. This credit card provides the best features for domestic and luxurious expenses. The card also offers 10X reward points with a waiver in fuel surcharge.
SBI SimplySave credit card is the safest card as it offers the lowest interest rates with minimal joining and annual charges. The card also offers the best features for basic expenses like grocery and retail shopping. The card has global acceptance on worldwide merchant outlets for purchases.
The top five credit cards active in India are
●HDFC Infinia Credit Card Metal Edition
●HSBC Cashback Credit Card
●Axis Bank Ace Credit Card
●HDFC Regalia Credit Card
●SBI SimplySave Advantage Credit Card
HDFC Infinia Credit Card Metal Edition is India's most potent credit card offering premium and elite benefits. It is a metal card providing luxurious benefits with complimentary membership with club Marriott and other national and international expenses. It also offers the best reward points conversions and unlimited access to national and international airports.
So, here is the list of the best credit cards in India based on our comprehensive research and detailing. Going through our list of the top 10 credit cards in India, you will get clarity in choosing the accurate credit card for your usage. Credit is a premium necessity for emergency expenses and lifestyle maintenance.
Most of the best credit cards provide insurance and specific coverage to support the cardholder for emergency bulk payments. Hence, choose the best credit card and avail the best benefits associated with the listed credit cards. Our list will provide you with comprehensive details about every credit card.
Author Name: Harsh Goyal
Note: "Each article is meticulously crafted by our team of finance experts, incorporating user and community feedback to evaluate and select financial products and brands rigorously. Their thorough approach ensures only the most reliable and relevant financial solutions are recommended to our readers."
Author Bio: Written by Harsh Goyal, a distinguished finance expert, consultant and seasoned researcher. With a strong academic background in finance, Harsh combines in-depth knowledge of financial markets, investment strategies, and economic trends with practical experience. As a part-time writer, he translates complex financial concepts into accessible insights, making him a valuable resource for both industry professionals and casual readers looking to understand the nuances of finance.
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