Best Credit Cards in India are more than 250 credit cards in India but when it comes to choosing the best credit card, we mostly take what’s offered by the bank. However, it is very important to choose a card according to your spending pattern and lifestyle needs. It can give you considerable savings in the form of rewards, cashback, discount and more. To begin your comparison, here is a list of top credit cards in India. We have talked about the major benefits of the cards along with a few reasons why we recommend them and which credit card is best in India.
Shop & Earn More with SBI Card PRIME; Apply Now to Get Your Card in 7 Days*
Best Cashback Credit Cards in India for 2022
Cards that offer decent cashback across multiple categories, such as shopping, dining, entertainment, groceries, etc. are mentioned below.
1. Axis Bank Ace Credit Card
Annual Fee: Rs. 499
Minimum Income Required: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
Suggested Read: Best Dining Credit Cards in India
2. Flipkart Axis Bank Credit Card
Annual Fee: Rs. 500
Minimum Income Required: Rs. 15,000 per month
| Key Benefits | Why We Like It |
|
|
Suggested Read: Which Credit Card gives Best Rewards in India?
3. Amazon Pay ICICI Credit Card
Annual Fee: Nil
Minimum Income Required: Rs. 25,000 per month
| Key Benefits | Why We Like It |
|
|
4. HSBC Cashback Credit Card
Annual Fee: Rs. 750
Minimum Income Required: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
Get YourFree Credit Reportwith Monthly UpdatesCheck Now
5. SBI SimplyClick Credit Card
Annual Fee: Rs. 499
Minimum Income Required: Rs. 20,000 per month
| Key Benefits | Why We Like It |
|
|
Suggested Read: Best Cashback Credit Cards in India
Exclusive Card Offers from India’s top banks are just a click away
Best Travel Credit Cards in India for 2022
This list includes the top 5 credit cards in India that would help you save more on your travel expenses in the form of air miles, complimentary memberships, co-branded benefits and more.
1. Citi PremierMiles Credit Card
Annual Fee: Rs. 3,000
Minimum Income Required: Rs. 25,000 per month
| Key Benefits | Why We Like It |
|
|
Suggested Read: Best Credit Cards in India for Airport Lounge Access
Get YourFree Credit Reportwith Monthly UpdatesCheck Now
2. HDFC Regalia Credit Card
Annual Fee: Rs. 2,500
Minimum Income Required: Rs. 1 lakh per month
| Key Benefits | Why We Like It |
|
|
3. Air India SBI Signature Credit Card
Annual Fee: Rs. 4,999
Minimum Income Required: Rs. 60,000 per month
| Key Benefits | Why We Like It |
|
|
4. Axis Bank Vistara Signature Credit Card
Annual Fee: Rs. 3,000
Minimum Income Required: Rs. 1 lakh per month
| Key Benefits | Why We Like It |
|
|
5. RBL World Safari Credit Card
Annual Fee: Rs. 3,000
Minimum Income Required: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
Suggested Read: Best Travel Credit Cards in India
Best Fuel Credit Cards in India for 2022
This section includes some of the top credit cards in India that offer fuel benefits in the form of fuel surcharge waiver and co-branded discounts.
1. BPCL SBI Card Octane
Annual Fee: Rs. 1,499
Monthly Income: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
2. Indian Oil Citi Platinum Credit Card
Annual Fee: Rs. 1,000
Minimum Income Required: Rs. 25,000 per month
| Key Benefits | Why We Like It |
|
|
Get YourFree Credit Reportwith Monthly UpdatesCheck Now
3. IndianOil Axis Bank Credit Card
Annual Fee: Rs. 500
Monthly Income: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
4. HDFC Bharat Cashback Credit Card
Annual Fee: Rs. 500
Minimum Income Required: Rs. 2 lakh per annum
| Key Benefits | Why We Like It |
|
|
5. BPCL SBI Card
Annual Fee: Rs. 499
Minimum Income Required: Rs. 20,000 per month
| Key Benefits | Why We Like It |
|
|
Get YourFree Credit Reportwith Monthly UpdatesCheck Now
Best Premium Credit Cards in India for 2022
This section includes credit cards that charge a high annual fee but also offer benefits you would not find on low-fee or medium-fee credit cards.
1. HDFC Infinia Credit Card Metal Edition
Annual Fee: Rs. 4,999
Minimum Income Required: Invite only
| Key Benefits | Why We Like It |
|
|
*Terms and conditions applied.
2. HDFC Diners Club Black Credit Card
Annual Fee: Rs. 5,000
Minimum Income Required: Rs. 1.75 lakh per month
| Key Benefits | Why We Like It |
|
|
3. SBI Aurum Credit Card
Annual Fee: Rs. 10,000+GST
Minimum Income Required: Invite Only
| Key Benefits | Why We Like It |
|
|
Get Movie Tickets worth Rs. 6,000 every year with SBI Card ELITE
4. Axis Bank Reserve Credit Card
Annual Fee: Rs. 50,000
Minimum Income Required: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
5. IndusInd Legend Credit Card
Annual Fee: Nil
Minimum Income Required: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
Get YourFree Credit Reportwith Monthly UpdatesCheck Now
Also Read: Best Credit Cards for Different Income Groups in India
Best Rewards Credit Cards in India for 2022
Credit cards that offer one of the best reward points to their users are mentioned in the list below:
1. HDFC Regalia Credit Card
Annual Fee: Rs. 2,500
Minimum Income Required: Rs. 1 lakh per month
| Key Benefits | Why We Like It |
|
|
Suggested Read: Best Credit Cards for Grocery Shopping in India
2. SBI Card Prime
Annual Fee: Rs. 2,999
Minimum Income Required: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
3. Standard Chartered Platinum Rewards Credit Card
Annual Fee: Rs. 250
Minimum Income Required: Communicated at the time of sourcing
| Key Benefits | Why We Like It |
|
|
4. Axis Bank Privilege Credit Card
Annual Fee: Rs. 1,500
Minimum Income Required: Rs. 6 lakh per annum
| Key Benefits | Why We Like It |
|
|
5. Citibank Rewards Credit Card
Annual Fee: Communicated at the time of sourcing
Minimum Income Required: Rs. 20,000 per month
| Key Benefits | Why We Like It |
|
|
Get YourFree Credit Reportwith Monthly UpdatesCheck Now
Suggested Read: Credit Cards with Zero-annual Fee in India
Exclusive Card Offers from India’s top banks are just a click away
FAQs
Which credit card is best for online shopping in India?
Some of the best credit cards for online shopping in India are Axis Bank Ace, SBI SimplyClick, HDFC Moneyback, Flipkart Axis Bank, and ICICI Amazon Pay Credit Card.
Which credit card is best for the rewards program?
Almost all credit cards in India offer reward points with every purchase. But some credit cards offer higher reward points with certain purchases and they have multiple redemption options. Click here to read about the best rewards credit cards in India.
Do all the best credit cards in India charge high annual fees?
No, there are some credit cards with the best offers in India that are either free for a lifetime or charge a minimal annual fee. A few examples of best low annual fee credit cards include HDFC Moneyback, HSBC Platinum, ICICI Amazon Pay Credit Card, and Citi Cashback Credit Card.
Which bank credit card is the best in India?
Some of the most popular banks offering credit cards in India are HDFC, SBI Card, ICICI, Amex, Axis, Citibank, Standard Chartered Bank and Kotak Mahindra Bank. However, the best credit card for you would be the one that matches your needs. To make your search easier for you, we have listed some of the best and most popular cards in India above.
Which is the best credit card for travel in India?
A lot of banks offer travel credit cards in India with benefits like complimentary airport lounge access, air tickets, extra rewards, air miles and more. Some of the top credit cards for travel are HDFC Regali