25 Best Credit Cards in India 2022

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.

 

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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

axis-bank-ace-credit-card-1

Annual Fee: Rs. 499
Minimum Income Required: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 5% cashback on bill payment, DTH recharge, and mobile recharge initiated via Google Pay
  • 4% cashback on Swiggy, Ola and Zomato
  • 4 complimentary domestic lounge visits in a year

More Details

  • No upper limit or maximum cashback earned
  • Cashback on multiple categories and top brands
  • Benefits across different categories

Check Eligibility & Apply Now

Suggested Read: Best Dining Credit Cards in India

2. Flipkart Axis Bank Credit Card

Flipkart cart 1

Annual Fee: Rs. 500
Minimum Income Required: Rs. 15,000 per month

Key Benefits Why We Like It
  • 5% cashback on purchases made via Flipkart & Myntra
  • 1% fuel surcharge waiver
  • 4 complimentary domestic lounge visits every year

More Details

  • One of the best cashback card in the market
  • Opportunities to avail benefits & discounts on travel, dining, etc.

Check Eligibility & Apply Now

Suggested Read: Which Credit Card gives Best Rewards in India?

Flipkart Axis Bank Credit Card

3. Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit Card

Annual Fee: Nil
Minimum Income Required: Rs. 25,000 per month

Key Benefits Why We Like It
  • 5% cashback for Amazon Prime members on Amazon spends
  • 3% cashback for Non-prime members on Amazon spends
  • 1% cashback on all other transactions

More Details

  • A good credit card for cashback
  • Simple reward redemption and cashback conversion
  • Beneficial for online shoppers

Check Eligibility & Apply Now

4. HSBC Cashback Credit Card

HSBC Cashback Credit Card

Annual Fee: Rs. 750
Minimum Income Required: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 1.5% cashback on all online spends (excluding transfer of funds to online wallet)
  • 1% cashback on all other spends
  • 3 complimentary airport lounge access at domestic & international lounges or 3 meal-vouchers

More Details

  • Unimited cashback on all transactions
  • Benefits on multiple categories
  • Multiple welcome benefits

Check Eligibility & Apply Now

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 5. SBI SimplyClick Credit Card

SBI SimplyClick Credit Card

Annual Fee: Rs. 499
Minimum Income Required: Rs. 20,000 per month

Key Benefits Why We Like It
  • E-gift card worth Rs. 500 from Amazon as a welcome gift
  • 10 reward points per Rs. 100 spent on online shopping
  • 1% fuel surcharge waiver

More Details

  • Great cashback for a low annual fee
  • Ongoing offers on several leading brands
  • Good choice for online shopping

Check Eligibility & Apply Now

Suggested Read: Best Cashback Credit Cards in India

 

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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

citi premiermiles card.jpg

Annual Fee: Rs. 3,000
Minimum Income Required: Rs. 25,000 per month

Key Benefits Why We Like It
  • 10 Miles per Rs. 100 spent on PremierMiles website
  • 4 Miles per Rs. 100 on all other spends
  • 8 complimentary lounge access per quarter under Visa variant

More Details

  • One of the best air miles credit cards in India
  • Flexibility in terms of air mile usage
  • Net savings of approximately Rs. 10,000 on spending Rs. 2 lakh in a year

Check Eligibility & Apply Now

Suggested Read: Best Credit Cards in India for Airport Lounge Access

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2. HDFC Regalia Credit Card

Regalia Visa

Annual Fee: Rs. 2,500
Minimum Income Required: Rs. 1 lakh per month

Key Benefits Why We Like It
  • 4 reward points per Rs. 150 on all retail spends
  • Complimentary Dineout Passport Membership
  • 12 complimentary domestic airport lounge access

More Details

  • Great benefits on the travel category
  • Complimentary membership for additional discount

Check Eligibility & Apply Now

3. Air India SBI Signature Credit Card

SBI Air India Signature Visa Card 01 01

Annual Fee: Rs. 4,999
Minimum Income Required: Rs. 60,000 per month

Key Benefits Why We Like It
  • Air India Frequent Flyer Program – Flying Returns Membership
  • 4 reward points for every Rs. 100 spent
  • Lounge access under Priority Pass Membership

More Details

  • Great co-branded benefits with Air India – free membership, accelerated rewards and more
  • Flexible reward redemption with an option to convert into Air India Miles

Check Eligibility & Apply Now

4. Axis Bank Vistara Signature Credit Card

Axis Vistara Signature.png

Annual Fee: Rs. 3,000
Minimum Income Required: Rs. 1 lakh per month

Key Benefits Why We Like It
  • Free Premium Economy ticket as a welcome gift
  • Club Vistara Silver Membership
  • Complimentary lounge visit at select airports within India

More Details

  • Best credit card for loyal customers of Vistara Airlines
  • No other credit card gives so many free air tickets in a year
  • Comprehensive travel perks

Check Eligibility & Apply Now

5. RBL World Safari Credit Card

world safari credit cardAnnual Fee: Rs. 3,000
Minimum Income Required: Communicated at the time of sourcing

Key Benefits Why We Like It
  • MakeMyTrip voucher worth Rs. 3,000
  • 5 Travel Points for every Rs. 100 spent on the travel category
  • 2 complimentary domestic lounge visits every quarter

More Details

  • A highly rewarding card
  • Comprehensive travel privileges – travel points, insurance, lounge access, etc.
  • No markup fee

Check Eligibility & Apply Now

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

SBI BPCL Octane Credit Card

Annual Fee: Rs. 1,499
Monthly Income: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 6,000 bonus reward points on payment of an annual fee
  • 1% fuel surcharge waiver across all BPCL petrol pumps in India
  • 25 reward points for every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas

More Details

  • Additional benefits, such as complimentary lounge visit, fraud liability cover, etc.
  • Instant reward redemption at select BPCL petrol pumps

Check Eligibility & Apply Now

2. Indian Oil Citi Platinum Credit Card

Best Citi Credit Card

Annual Fee: Rs. 1,000
Minimum Income Required: Rs. 25,000 per month

Key Benefits Why We Like It
  • 4 Turbo Points per Rs. 150 spent at IndianOil Outlets
  • 2 Turbo Points for every Rs.150 spent on groceries and supermarkets
  • 1% fuel surcharge waiver at Indian Oil stations

More Details

  • One of the best credit cards for fuel in India
  • Flexible redemption options to convert points into free fuel or other items from the rewards catalogue

Check Eligibility & Apply Now

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3. IndianOil Axis Bank Credit Card

Indianoil Axis

Annual Fee: Rs. 500
Monthly Income: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 100% cashback within 30 days as a welcome benefit
  • Accelerated reward points at IOCL fuel outlets on fuel transactions between Rs. 100 to Rs. 5,000 per month
  • 1% value back on online shopping

More Details

  • Discount on booking movie tickets from BookMyShow, via app or website
  • Discount on dining bills at partner restaurants in India

Check Eligibility & Apply Now

4. HDFC Bharat Cashback Credit Card

HDFC Bharat Card

Annual Fee: Rs. 500
Minimum Income Required:  Rs. 2 lakh per annum

Key Benefits Why We Like It
  •  5% monthly cashback on fuel expenses
  • 1% fuel surcharge waiver
  • 5% cashback on IRCTC ticket bookings, groceries, bill payment

More Details

  • Fuel points make savings simpler
  • A good option for cashback

Check Eligibility & Apply Now

5. BPCL SBI Card

BPCL SBI Card Face 01

Annual Fee: Rs. 499
Minimum Income Required: Rs. 20,000 per month

Key Benefits Why We Like It
  • 2,000 bonus reward points as a welcome gift
  • 13X rewards on fuel purchases at BPCL petrol pumps
  • 1 reward point per Rs. 100 spent on non-fuel categories

More Details

  • Co-branded fuel benefits are offered in two forms – rewards & surcharge waiver
  • Extra perks make it better for spends other than fuel

Check Eligibility & Apply Now

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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

HDFC infinia metal edition.jpg

Annual Fee: Rs. 4,999
Minimum Income Required: Invite only

Key Benefits Why We Like It
  • 5 reward points for every Rs. 150 spent
  • Complimentary Club Marriott membership for the first year
  • 1+1 complimentary weekend buffet at participating ITC hotels*
  • Unlimited complimentary golf games at courses in India and worldwide

More Details

  • Super-premium benefits that are hardly offered on any other card in India
  • All-in-one benefits, including travel, shopping, movies and more

Check Eligibility & Apply Now

*Terms and conditions applied.

2. HDFC Diners Club Black Credit Card

HDFC Diners Club Black Credit Card.png

Annual Fee: Rs. 5,000
Minimum Income Required: Rs. 1.75 lakh per month

Key Benefits Why We Like It
  • Complimentary annual memberships to Zomato Gold, Amazon Prime, Club Marriott and more
  • 6 golf games per quarter at the finest golf courses across the world
  • Air mile earnings with every purchase

More Details

  • Super-premium benefits that are hardly offered on any other card in India
  • Easy air mile redemption across multiple airlines
  • Saving value is higher than the annual fee

Check Eligibility & Apply Now

3. SBI Aurum Credit Card

card 1 1

Annual Fee: Rs. 10,000+GST
Minimum Income Required: Invite Only

Key Benefits Why We Like It
  • Joining benefit of 40,000 reward points
  • 4 reward points on every Rs. 100 spent
  • 4 free movie tickets worth Rs. 1,000 every month

More Details

  • A good option for benefits on travel, shopping, movies and more
  • Heavy spenders can make the most of the card

 

Check Eligibility & Apply Now

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4. Axis Bank Reserve Credit Card

Axis Reserve Credit Card

Annual Fee: Rs. 50,000
Minimum Income Required: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 8 free VIP assistance services
  • Priority Pass membership with unlimited international visits
  • 50,000 reward points on card activation and renewal
  • 20% off at Postcard Hotels

More Details

  • Best premium credit card for lifestyle, shopping, travel benefits
  • Accorplus membership benefits
  • Comprehensive insurance coverage

Check Eligibility & Apply Now

5. IndusInd Legend Credit Card

IndusInd Legend Credit Card

Annual Fee: Nil
Minimum Income Required: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 2 reward points for every Rs. 100 spent on weekends
  • Complimentary stay at Oberoi Hotel in the country
  • Buy one get one movie ticket free on bookings via BookMyShow
  • Complimentary golf games and individual golf lessons

More Details

  • A good option for premium benefits – private golf lessons, shopping, booking movie tickets, bill payments
  • Easy and flexible reward redemption

 

Check Eligibility & Apply Now

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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

Regalia Visa

Annual Fee: Rs. 2,500
Minimum Income Required: Rs. 1 lakh per month

Key Benefits Why We Like It
  • 4 reward points per Rs. 150 on all retail spends
  • Complimentary Dineout Passport Membership
  • 12 complimentary domestic airport lounge access

More Details

  • Great benefits on the travel category
  • Complimentary membership for additional discount

Check Eligibility & Apply Now

Suggested Read: Best Credit Cards for Grocery Shopping in India

2. SBI Card Prime

SBI Card PRIMEAnnual Fee: Rs. 2,999
Minimum Income Required: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 10 reward points per Rs. 100 spent on dining, groceries, movies and departmental stores
  • E-gift vouchers worth Rs. 3,000 as welcome benefits
  • Complimentary Club Vistara and Trident Privilege Red Tier Membership

More Details

  • Multiple welcome benefits as it gives different vouchers for top brands
  • Complimentary memberships for additional discount
  • Complimentary international and domestic lounge access

Check Eligibility & Apply Now

3. Standard Chartered Platinum Rewards Credit Card

Standard Chartered Platinum RewardsAnnual Fee: Rs. 250
Minimum Income Required: Communicated at the time of sourcing

Key Benefits Why We Like It
  • 5X reward points for every Rs. 150 spent on fuel
  • 5X reward points for every Rs. 150 spent at fine-dining outlets
  • 1X reward point for every Rs. 150 spent on other categories

More Details

  • A good credit card for reward points
  • Simple reward redemption
  • Reward points offered on multiple categories

Check Eligibility & Apply Now

4. Axis Bank Privilege Credit Card

Axis Bank PrivilegeAnnual Fee: Rs. 1,500
Minimum Income Required: Rs. 6 lakh per annum

Key Benefits Why We Like It
  • 12,500 reward points worth Rs. 5,000 on the payment of joining fee
  • 3,000 reward points on the payment of renewal fee
  • 10 reward points on every Rs. 100 spent via this credit card

More Details

  • Decent rewards rate
  • Multiple benefits, such as travel insurance coverage, EMI conversion, etc
  • Satisfactory welcome benefits

Check Eligibility & Apply Now

5. Citibank Rewards Credit Card

Untitled.pngAnnual Fee: Communicated at the time of sourcing
Minimum Income Required: Rs. 20,000 per month

Key Benefits Why We Like It
  • 10X rewards on every Rs. 125 spent at apparel & department store
  • 300 bonus points on spending Rs. 30,000 or more in a month
  • 1 reward point for every Rs. 125 spent

More Details

  • Reward points offered on multiple categories
  • Accelerated rewards and easy redemption

Check Eligibility & Apply Now

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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