Best Credit Cards in India – Credit cards are undergoing rapid transformation due to changing consumer behaviour, fintech innovations and lifestyle shifts. Credit cards have a profound influence on social status, financial freedom, spending habits and overall lifestyle.
Apart from debit cards, credit cards have also made our life convenient and easy. These cards provide emergency fund backup when you are in need of medical, travel or urgent situations. Morever their global acceptance have also increased their demands.
Depending on uses there are different types of credit cards available in the market like Cashback Credit Cards for getting cashback and rewards on every online transaction, Student Credit Cards for students pursuing higher education, Business Credit Cards for corporate spends, Travel Credit Cards for availing travel benefits and airport lounge access, Shopping Credit Cards for shopping cashback, and many more.
Here in this post I have listed some of the best credit cards in India which are popular in their respective category of features and uses.
Best Credit Cards in India
Citibank Cash Back Credit Card
This credit card is suitable for those customers who are looking to earn rewards on their everyday spending like bill payments, online shopping, travel booking, movie ticket booking, and other spending like dining, groceries, petrol, etc.
This credit card has low annual fees of Rs.500 and a customer can get upto 5% cashback on every online transaction. New card holders may receive sign up bonuses in form of extra cash back or rewards points. It is also in the list of top 10 credit cards in India.
SBI Simply Click Credit Card
This credit card is best for salaried persons who are regular shoppers. This credit card offers high rewards on e-commerce transactions, booking, entertainment, and dining from online platforms like Amazon, Lenskart, Cleartrip, Netmeds, Apollo 24×7, Domino’s, Myntra, Swiggy, Bookmyshow, etc. It has an annual fee of Rs.499 plus GST. Those seeking for best rewards credit cards in India can get this.
HDFC Money Back Credit Card
This credit card is for those customers who are looking for cashback and reward points on purchases. It offers 5x reward points on Big Bazaar, Amazon, Flipkart, Swiggy, Zomato, etc. If a customer spends Rs.50,000 and more in a year, then his annual fee is waived off. The card also offers travel booking discounts on platforms like Cleartrip, Yatra, and Goibibo.
Indusind Bank Platinum Card
It is an entry-level credit card which offers fuel surcharge waives, reward points, and discounts on dining, shopping, and movies. It has an annual fee of Rs.500 which may be waived on yearly spending of Rs.50,000 and more. This card gives 15% off on dining via partner restaurants. It also gives 5x reward points on grocery, dining and movie spends.
Axis Bank ACE Credit Card
It is a famous cash back credit card designed for online transactions particularly on platforms like Google Pay (GPay). It offers 4% cashback on bill payments and recharges. A customer can get 5% cashback on Google Pay transactions.
It has an annual fee of Rs.500 which can be waived off on yearly spend of Rs.2 lakhs and more. It offers discounts on Swiggy, Zomato, BookMyShow, Flipkart, etc. Those looking for best cash back credit cards in India can get this card.
SBI Elite Credit Card
It is in the list of best premium credit cards in India. The card offers high reward rates with travel benefits. It is an amazing credit card with lounge access and offers special rewards points on international travel.
The card offers 5 reward points on per Rs.100 spend on groceries, dining and international spends. It also offers 15% on dining at 5000+ connected restaurants.
ICICI Instant Platinum Card
With this credit card customers can avail reward points in multiple shopping categories like travel, health, beauty, lifestyle, home, kitchen, etc. Customers can also get upto 25% discount on movie tickets and dining.
The card is built in contactless technology to make secure and quick payments at retail outlets. The card has a low interest rate. Anyone having a FD of Rs.50,000 and more can get this card.
SBI Student Plus Advantage Credit Card
This credit card is designed specially for students who hold an education loan with SBI. It has an annual fee of Rs.500 which can be waived off on spending Rs.35,000 yearly. This card can be used for making international purchases.
You can pay utility bills and book rail tickets online from IRCTC on special prices. This card is accepted in more than 3 lakhs outlets in India. Those looking for best student credit cards in India can get this.
Amazon Pay ICICI Credit Card
This card is specially designed for Amazon shoppers. A customer can get cash back on every purchase from Amazon. It offers cash back of 3% on groceries, mobile, flight ticket, etc. It gives 2% cashback on bill payments, recharges and adding money on Amazon. You can use this credit card on Amazon Pay and earn a cashback of 2% on payments to more than 100 partner merchants.
Flipkart Axis Bank Credit Card
This credit card is among top credit cards in India designed specially for online shoppers. With this card customers can earn upto 5% cashback on Flipkart shopping like home appliances, gadgets, books, groceries, apparel, etc.
Customers can also get discounts on PVR movie, travel booking and dining. Anyone looking for a low annual fee credit card with high cashback benefits on online shopping can get this card.
HDFC Infinia Credit Card
If you are looking for credit card with lounge access then this credit card will be a perfect fit. The card provides unlimited domestic lounge access for primary and add-on customers. It also offers unlimited international lounge access via priority pass.
This card holders also get online shopping benefits with popular brands like BookMyShow, Swiggy, Myntra, Tata CLiQ, etc. It comes with exclusive benefits, high reward points, and premium travel & lifestyle privileges.
