Best Credit Cards in India (August 2022)

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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Our Top Picks

A credit card is a basic need to maintain essential spending and lifestyle maintenance. We have conducted detailed research about popular and useful 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. 

Our detailed research includes the aspects of the best credit card in India, 2022, which involves the bank details, provides the credit cards, spending patterns, and rewards. Our list will help you analyze the bank according to your earnings, spending, and reward. So, you can easily select the best credit card in India to get the best services and rewards with maximum spending coverage and the lowest returns.

Best Overall: Citi Rewards Credit Card

If you want to make your shopping more convenient, rewarding and secure, the Citi Rewards Credit Card is an amazing choice. The card welcomes you with up to 2,500 reward points and rewards you every time you shop. Additionally, the card offers 10 reward points for every 125 rupees spent in fashion and department stores, both online and in-store.

Best Rewards: SimplyCLICK SBI Card

If you are looking for the best credit card that offers you amazing rewards on all your expenditures, the SimplyCLICK SBI Card is sure to amaze you. The card offers 10x rewards when you make online purchases through its exclusive partners and 5X rewards on all your other online spending. Moreover, the card also waives 1% of the fuel surcharge for any transaction between Rs. 500 and Rs. 3,000, giving you complete fuel freedom.

Best Corporate Credit Card: HDFC Infinia Credit Card Metal Edition

It is a premium credit card ideal for corporate use with plenty of premium benefits. 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.

Best Credit Card For Students: Axis Bank Ace Credit Card

Students studying in other cities also need credit cards for certain 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.

Best 0 Interest Credit Card: SBI SimplySave Advantage Credit Card

Although no credit cards offer zero interest, the best credit card in India in 2022 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.

Best Premium Credit Card: HDFC Diners Club Black Credit Card

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.

Best Lifestyle Credit Card: HSBC Cashback Credit Card

HSBC Cashback is the best credit card for lifestyle management, with compulsory cash back 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.

Best Credit Card With No Annual Fee: YES Prosperity Reward Plus Card

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.

Best Credit Card For 18-Year-Olds: IndianOil Citi Platinum Credit Card

It is the best credit card for 18-years-olds as it offers minimal annual charges with 100 percent cash back as a welcome benefit. In addition, the credit card holder can also avail the discounts on dining bills and movie tickets.

Best Credit Card For Travel: Air India SBI Signature Credit Card

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.

Best Credit Card For Online Shopping: Amazon Pay ICICI Credit Card

This credit card is the best for online shopping as it has no annual charges with five percent cashback on amazon membership. It is the best credit card in India 2022 which offers amazing reward redemption and cashback conversion in online shopping.

Best Credit Card For Grocery Shopping: SBI SimplySave Advantage Credit Card

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.

Best Ecommerce Credit Card: Amazon Pay ICICI Credit Card

It is the best credit card for eCommerce and other related aspects. The card provides many premium and attractive offers, like 1 percent cash back on every online purchase and 5 and 3 percent cash back for Amazon prime and non-prime members, respectively.

Best Credit Card For NRIs: HDFC Infinia Credit Card Metal Edition

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.

Top 12 Credit Cards In 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 best credit card for you.

In our list, you will get a definite mention of all the credit cards with the details like joining and annual fees with redemption schemes, covered benefits and expenses, and payment limits. Let us start:

Sr. no.

Bank

Joining fee

Annual fee

1.    

Citi Rewards Credit Card

Rs. 1,000

Rs. 1,000

2.    

SimplyCLICK SBI Card

Rs. 500

Rs. 499

3.    

Axis Bank Ace Credit Card

Rs. 499

Rs. 499

4.    

HDFC Diners Club Black Credit Card

Rs. 10,000

Rs. 10,000

5.    

Amazon Pay ICICI Credit Card

Nil

Nil

6.    

HSBC Cashback Credit Card

Rs. 750

Rs. 750

7.    

SBI SimplySave Advantage Credit Card

Rs. 499

Rs. 499

8.    

YES Prosperity Reward Plus Card

Rs. 399

Rs. 399

9.    

HDFC Regalia Credit Card

Rs. 2,500

Rs. 2,500

10.    

Air India SBI Signature Credit Card

Rs. 4,999

Rs. 4,999

11.   

IndianOil Citi Platinum Credit Card

Rs. 1,000

Rs. 1,000

12.   

HDFC Infinia Credit Card Metal Edition

Rs. 4,999

Rs. 4,999

1. Citi Rewards Credit Card

The Citi Rewards Credit Card is one of the best credit cards as it offers you accelerated reward points for all your 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

  • It provides 10 Reward points for every Rs. 125 you spend on apparel and department stores.
  • For all other spends, you get 1 Reward Point for every Rs. 125 you spend.
  • Annual fee: Rs. 1,000

Advantages

  • The reward points will never expire – you can redeem them whenever you want or keep collecting them
  • Offers Instant Loans for you to get things done straight away when you run out of money

Pros

Cons

The card welcomes you with 2500 reward points.

It has a foreign transaction fee.

It lets you instantly redeem points or collect them.

 

This credit card allows you to redeem reward points instantly via SMS.

 

With this credit card, you can turn huge purchases into small payments by availing of the EMI facility

 

2. SimplyCLICK SBI Card

The SimplyCLICK SBI Card is an amazing card if you are an online shopping addict or want to gain more 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

  • It provides a welcome gift card worth Rs. 500 on Amazon on joining
  • It lets you earn 10x rewards when you purchase online with exclusive partners
  • Annual fee: Rs. 499

Advantages 

  • The card reverses your annual fee of Rs. 499 in the subsequent year when you spend Rs. 1,00,000 annually.
  • It waives a 1% fuel surcharge for each transaction between Rs. 500 & Rs. 3,000

Pros

Cons

It gives you 10X rewards when you purchase from Amazon, Apollo 24X7, BookMyShow, Cleartrip, Dineout, Lenskart and Netmeds.

The card is best suited for online shopping only.

You can get an e-voucher worth Rs. 2,000 when you shop online for over Rs. 1 lakh.

 

The card has an affordable renewal fee of Rs. 499.

 

This credit card gives you a welcome Amazon gift card worth Rs. 500 on joining.

 

3. Axis Bank Ace Credit Card

This best credit card offers you premium benefits while spending on multiple categories of food and shopping brands. The card provides you with 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 provides a special 5 percent cashback on DTH and mobile recharge.

Offers 2 percent 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. 

PROS

CONS

It reverses the joining fee with the spend of Rs. 499 in 45 days.

It has high finance charges of 52.86 percent per annum.

It offers 4 complimentary lounge visits per year.

 

It converts purchases of over 2,500 into smart EMI.

 

4. HDFC Diners Club Black Credit Card

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. The offers the 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 percent means you get 5 reward points on every purchase of Rs 150.

It offers conversions of reward points into smart vouchers and smart 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. 

PROS

CONS

It reverses the joining fee with a spend of Rs. 10,000 on the annual spend of Rs 5 Lakh.

It suits best for travelling and lifestyle purchases.

It offers the highest reward rate in the credit card range in India.

 

It provides 10X reward points in partner brands.

 

5. Amazon Pay ICICI Credit Card:

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 percent cash back on every purchase in any category.

 Special features

  • It provides 5 percent of extra cashback for Amazon members
  • It offers 15 percent of dining benefits to partner restaurants.

Annual fee: NIL

Why choose

It offers 3 percent cashback to non-prime members.

It provides a definite benefit to ICICI culinary treat program. 

PROS

CONS

It charges no joining or annual charges.

It suits only amazon members. 

It offers premium benefits and rewards to Amazon prime members.

 

Users can avail 1 percent waiver on fuel surcharge on all petrol pumps in India.

 

6. HSBC Cashback Credit Card:

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 percent discount on the first Google pay transaction.

Annual fee: Rs 750

Why choose

It provides 1.5 percent cash back on every purchase.

It offers complimentary access to airport lounges. 

PROS

CONS

It charges no renewal charges.

It charges high late fees and overdue fines. 

The joining amount is reversed on the spend of Rs 1 Lakh in the previous year.

 

It offers interest-free credit for 45 days. 

 

7. SBI SimplySave Advantage Credit Card:

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 a smart EMI option with minimal interest rates.

 It has global acceptance over 24,000 merchant outlets across the globe.

PROS

CONS

It charges no renewal charges.

It only provides domestic benefits. 

The reward point is used for card payment.

 

It offers cash withdrawal facilities.

 

8. YES Prosperity Reward Plus Card:

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. 

PROS

CONS

It reverses the joining charges on the spend of 10,000 under 90 days.

It only provides benefits under limited categories. 

It provides a 1 percent of fuel waiver on all the fuel stations in India.

 

It offers advanced credit shields for primary card holders. 

 

9. HDFC Regalia Credit Card

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 certain 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 percent fuel surcharge waiver on all fuel pumps across India.

It provides plenty of insurance benefits covering emergency hospitalization and accidental death.         

PROS

CONS

It reverses the renewal charges on the spend of Rs 3 Lakhs per year.

It is best suited for travel and luxury expenses.

It provides complimentary access to international and national airport lounges.

 

It offers bonus reward points on anniversary years.

 

10. Air India SBI Signature Credit Card

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. 

PROS

CONS

It offers Flexi Pay option for EMI payments.

It is best suited for travelling expenses.

It provides 8 complimentary access to international and national airport lounges.

 

It offers easy bills and EMI conversion facility. 

 

11. IndianOil Citi Platinum Credit Card

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 percent dining discount on partner restaurants. 

PROS

CONS

It offers a welcome turbo point within 30 days of card issuance.

It provides benefits to Indian oil fuel pumps.

It offers a 1 percent fuel surcharge waiver on Indian oil fuel pumps.

 

The annual fee is waived off on the spend of Rs 30,000.

 

12. HDFC Infinia Credit Card Metal Edition

HDFC Infinia card is elite, and the best credit card offers special invites to individuals. This metal card offers luxurious benefits suited to the higher net-worth category, with benefits 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. 

PROS

CONS

It offers advanced accessibility for national and international airport usage.

The card provides its benefits to special invitees.

The card provides a 20 percent discount on club Marriott dining and stays in the Asia-Pacific region.

 

It provides 12,500 reward point benefits on renewal.

 

Here's How We Shortlisted The Best Credit Cards In India

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 cashbacks.

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 associate 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

1. Which credit card is the best in India?

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.

2. Which is the safest credit card in India?

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.

3. What are the top 5 credit cards?

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

4. Which credit card is the most powerful?

HDFC Infinia Credit Card Metal Edition is India's most powerful credit card offering premium and elite benefits. It is the 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. 

Conclusion

So, here is the list of the best credit cards in India based on our comprehensive research and detailing. Going through our list of top 10 credit cards in India, you will get clarity in choosing the accurate credit card for your usage. Credit is a premium necessity to support you for emergency expenses and lifestyle maintenance. 

Most of the best credit cards provide insurance and certain 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.

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