Best Credit Cards In India With Review

By | February 8, 2021

Searching for best credit card in India? Then you’re at right place for doing your credit card research. There are many companies which provides credit card. Each card has its own speciality and service. Remember there is no single card that provides all the services together.

Requirement of card depends on our spending and earning capability, hence cards are available in various different variants. One can choose credit card according to its requirement. So here we are presenting you a number of credit card with its provider companies. We have also tried to provide a little information about them so that you can check and decide which suits you better.

Best Entry Level Credit Card:

Entry level credit cards are cards for beginners. From the last few years there has been a huge demand for credit cards. Hence, to serve the purpose I am listing a few basic credit cards. These cards are beneficial for small earners as well as those who are going to buy their first credit card.

They provide rewards in terms of cashback and vouchers. The reward rate varies from 1% to 15%. Most of the cards are issued by top brands or their counterparts. You can easily find services related to these cards on one call. So let’s get started:

  • Suggested income: 3 Lakhs+
  • Suggested spend: 1 Lakhs+

HSBC visa platinum card

Best Credit Cards In India With Review
  • Reward Rate: 1%-5%
  • Joining/Renewal Fees: Nil
  • Apply Now

If you are looking for a credit card with zero joining fee then this is the best option for you. It provides two reward points for every INR 150 spent on the card. Rewards and offers solely depend upon spending frequency. the more you spend, the more reward you will get. You can also get some off on dining at partner restaurants.

Axis Flipkart card

Best Credit Cards In India With Review
  • Reward Rate: 1.5-5%
  • Joining/Renewal: 500+GST
  • Welcome benefits: Rs.500 Flipkart Voucher & more
  • Apply Now

Axis Bank Flipkart credit card is one of the highest reward providing cards. It gives you flat 1.5% cashback on almost every transaction. This one stands out to be the best credit card in the beginner segment.

Moreover, it allows access to domestic lounges when you’re travelling with domestic flights. This is the most premium service given to customers in this segment of card.

Standard Chartered super value titanium credit card

Best Credit Cards In India With Review
  • Reward Rate: 1-5%
  • Joining/Renewal: Rs750
  • Apply Now

Most of the cards provide cashbacks on shopping and travelling. But this is the card that provides reward on fuel spends as well. It provides 5% cashback on bills and utility payment and on fuel spends. Get one point as reward on every spend of Rs150 and more. One is also eligible to get exclusive offers under the Standard Chartered Good Life Programme.

Axis Bank neo credit card

Best Credit Cards In India With Review

If you love watching movies, shopping and travelling, then Axis Bank neo credit card is for you. It provides Yatra vouchers, special lounge access, dining discounts and many more. It provides 2 complimentary access to select domestic lounges per quarter. 20% off at over 4000 partner restaurants. 10 reward points on every INR 200 spent domestically or internationally. Turn large credit card purchases of more than INR 2,500 into EMIs.

OLA Money SBI card

Best Credit Cards In India With Review
  • Reward Rate: 1%-20%
  • Joining/Renewal: Rs500+GST
  • Apply Now

If you’re a regular OLA user, this is the card that best suits you. This card gives you 7% return on OLA spends. They also run various other offers where you get 15% returns on OLA spend. Even this also has some services which are lucrative for premium card holders as well. It gives a 20% return on Clear Tip hotel spends. (Read More)

Best Lifestyle Credit Card

These are the cards suitable for all, be it spending, be it dinning, online shopping, etc. Hence, these are cards used by the majority of users.

  • Suggested income: 6 Lakhs+
  • Suggested spend: 3 Lakhs+

Amex Membership Rewards Credit Card

  • Joining Fee: Rs.1000+GST
  • Annual Fee: Rs.4500+GST
  • Renewal Fee Waiver: 50% waiver on 90K spend, 100% waiver on 1.5L spend
  • Welcome Bonus: 4000 Reward points
  • Apply Now

This gives you 10% return on your spend, i.e; if you spend Rs1000 you will get Rs100 as return. If you use this card just to get the 1000 MR points monthly by spending Rs.1000*4 times, you can easily get a return of more than 10%.

Apart from all these you’ll get some good lucrative offers and also get access to amazing Amex Merchant Offer.

HDFC Regalia first credit card

  • Reward Rate: 1%-10%
  • Joining Fee: Rs.1000+GST (Usually First Year Free)
  • Minimum Limit: Rs.1 Lakh
  • 1 Reward Point = 0.30 INR
  • Apply Now

It gives 4 reward points on every Rs.150 spend on retail services. Earn 5,000 Reward Points on annual spends of Rs.3,00,000 or more in each anniversary year. HDFC runs various offers now and then with various merchants to give you 2x/5x/10x of the regular points. Hence, always keep an eye on the offers every now and then (Read More)

If you’re looking for a fine card to have then this is the one you should go for.

SBI Prime

Credit Cards
  • Joining/Renewal Fee: Rs.2,999+Tax (Renewal Fee Waived on 3 Lakh spend)
  • Welcome e-gift Voucher: Rs.3,000
  • Apply Now

This is India’s one of the best credit cards since 2017. It has been in huge demand for the last few years. It provides different slabs of reward points. Also you get various benefits when swiping this in any departmental or grocery store. It also provides access to domestic and international airport lounges.

ICICI Coral Amex credit card

Credit Cards
  • Joining Fee: Rs.500+GST (no welcome vouchers)
  • Annual Fee: Rs.500+GST (Reversed on 1.5L spends)
  • Apply Now

If you wanted to keep an ICICI credit card then this is the best card provided by the bank. It provides various kinds of offers and has different forms of reward point slab. The more you spend via the card, the more reward points you will earn. Overall it provides good offers and rewards to beginners.

SBI Simply Click

Credit Cards
  • Annual Fee: Rs.499+ ST
  • Welcome Gift: Rs.500 Amazon Voucher
  • Renewal fees: Rs.499+ ST
  • Apply Now

If you spent mostly online and less than 2 lakh a year, this is the card best suited for you. It initially had offers like load 150INR into Ola money wallet and get 150INR extra in Ola money wallet and several others from its partners. It also comes with a sweet milestone benefit providing various offers and rewards.

RBL Platinum Delight

Credit Cards
  • Reward Rate: 0.5%-5%
  • Joining Fee: Rs.750+GST
  • 1 Reward point = 0.23ps – 0.25ps
  • Apply Now

I would suggest you take up this card only if you’re a RBL bank account holder, and get a chance to get a card from them. It provides two reward points per Rs.100 spend. This card is best if you spend about 60,000 per year. The card is created specially for small spenders. It works like Amex MRCC, the reward scheme is the same for both.

Standard Chartered Manhattan

  • Joining Fee: Rs.499+tax (Waived if you Spend Rs.30,000 in a year )
  • Renewal fee: Annual/Renewal Fee waived if you spend Rs.60,000 in a year
  • Apply Now

The Standard Chartered Manhattan card is over hyped due to its fancy name. It provides cashbacks and offers the same as other credit card providers. However, this card is famous among people living in metro cities. It provides a 5x reward point when using it in hotels, dining, air fare and fuel.

Best Premium Credit Cards

Amex Gold charge card

Credit Cards
  • Reward Rate: 2%-10%
  • Joining/Renewal Fee: Rs.1000+GST/Rs.4,500+GST
  • Apply Now

If you’re much into luxury life then you must have one Amex credit card. We have already seen Amex MRCC, gold charge cards give you more purchasing power. It also paves way for Amex platinum cards. But before choosing this card you must understand that this is a charge card not a credit card. The difference is that charge cards do not provide EMI options whereas credit cards provide that option.(Read More)

HDFC Diners ClubMiles

Credit Cards
  • Joining Fee/ Annual Fee: Rs.1,000+GST (you can get it for free/LTF)
  • Eligibility: Salary Rs.50k/m (or) Rs.6L ITR (lesser than diners premium)
  • Reward Rate: 1.3% – 13%
  • Apply Now

If you’re more into online shopping and travelling. HDFC Diners credit card proves to be your best partner. It provides 10x reward on online shopping and travelling. It also provides complimentary lounge access. The drawback here is that it does not have a visa or mastercard. It is the diner’s card itself which is not accepted everywhere. So you must have one more card with this to keep yourself safer.

HDFC Regalia

Credit Cards
  • Reward Rate: 1.3%-13%
  • Joining Fee: 2500+GST (Usually First Year Free)
  • Minimum Limit: Rs.2 Lakh
  • Apply Now

This is the first premium card the industry has. All the premium cards come after the success of this card. This is the upgraded version of Regalia First, which we have discussed above. It offers 2x/5x/10x reward points with selected merchants. They offers 4RP on every Rs.150 on Retail spend. It also provides national and international lounge access.

SBI Elite

  • Reward Rate: 2%
  • Joining Fee: Rs.4,999+GST
  • Apply Now

This is the new credit card, recently launched by SBI which is called SBI Elight. This card is powered by Mastecard. They provide complimentary movie tickets worth Rs.500 every month on this card. They also provide complimentary international lounge access to card holders. You will also get a welcome bonus from some of the toppest brands of all time.

HDFC Diners Privilege

Credit Cards
  • Reward Rate: 1.3% – 13%
  • Joining Fee: Rs.2500+GST (Usually First Year Free)
  • For More Information: Visit Now

This is a slight better version of Diners Clubmiles. It comes with a combination of Diners Clubmiles and Diners Black.. It comes with a good amount of membership rewards, monthly rewards, bonus and cashbacks etc. This card takes you one step closer to Diners Black privilege card.

Indusind Iconia

  • Reward Rate: 1% – 2%
  • Joining Fee: Rs.3,500+GST no voucher (or) Rs.10,000+GST with equivalent gift voucher
  • Apply Now

The best part about this card is that it gives offers on fuel spends as well. Most of the cards do not have offers on fuel and this card plays an important role here. Once it provides unlimited lounge access but now it has been revoked by the bank. This card is really not for beginners, it suits credit card enthusiasts much better.

Indusind Pinnacle

  • Reward Rate: ~2.5%
  • Joining Fee: Rs.10,000+GST no voucher (or) Rs.25,000+GST with equivalent gift voucher
  • Visit Now

This card is for those who love online shopping. They provide a fair amount of rewards and cashbacks on purchasing online by using this card. They provide ample rewards on using this card for purchase on Amazon and Flipkart.

Best Airlines Credit Card

These kind of cards are best suited for those who love to travel, or who travel frequently. If you used to take flights for most of your travel then you must have any one of the travel cards mentioned below. It provides you access to various services.

SBI Air India Signature

  • AI Miles Earn Rate: 4% – 10%
  • Joining Fee: Rs.4,999+GST
  • Apply Now

Who doesn’t want to travel with Air India? Air India is India’s one of the finest class airlines. This Air India signature card provides many perks while travelling. It offers rewards and offers when travelling with Air India or with other airline partners. It provides various kinds of reward, hence you must give it a try.

Axis Vistara Infinite

  • Reward Rate: ~10%
  • Joining Fee: Rs.10,000+GST
  • Apply Now

Airline Vistara in collaboration with Axis Bank launched three credit card variances namely; Platinum, Signature & Infinite. Vistara Infinite is the premium of the range. They can provide you with business class tickets on spending more with a credit card. An interesting part is, Air Vistara’s Business class ticket costs are not proportional to distance.

 Etihad Guest SBI Premier Card

  • Miles Earn Rate: 3% – 6%
  • Joining Fee: Rs.4,999+GST
  • Apply Now

This card is simply for those who more often travel through Etihad. If you’re not into Etihad then this card is not your thing.

Best Travel Credit Cards

These cards are specially designed for those who have to travel a lot. If you’re much into travel then you must have one of the premium travel cards. They provide rewards in the form of travel points instead of cashbacks. Most of the premium and super premium cards also act as travel cards.

CITI PremierMiles

  • Annual/Renewal Fee: Rs.3000+tax
  • Welcome Bonus: 10,000 Miles equivalent to Rs.4,500 (compensated well for the fee)
  • Renewal Bonus: 3,000 Miles (not so good)
  • Apply Now

The perks of having this card is that it will give you rewards and points which you can mostly convert to use for international travel and stay. As citi in itself is an international brand and has collaboration with many biggies who will accept these points. You can earn 4 Miles pts for every Rs.100 spent.

Axis Privilege Card

  • Reward Rate: 1%-2%
  • Joining Fee: Rs.1,500+GST (Free for Axis Priority Customers)
  • Apply Now

If you’re an Axis Bank Privilege customer, then you’ll get this card for free. There is nothing so interesting about this card. It provides you travel offers in the form of yatra or makemytrip coupons.

Amex Plat Travel Card

  • Reward Rate: ~7%
  • Joining/Renewal Fee: Rs.3500+GST
  • Apply Now

American Express travel card is the best travel credit card in the country. It is designed for high spenders who like living luxury. It provides you a travel voucher for domestic flights or stay in Taj Palace. You get more cool reward if you spend more via using this card and spends should be nearby approx. 4 lakhs.

ICICI Makemytrip

credit cards
  • Reward Rate: 0.6%-2%
  • Joining Fee: Rs.2500+GST
  • Apply Now

This card suits you if you like Lemon Tree kind of itenary. It provides vouchers for such kinds of hotels, MMT cashbacks and international lounge access. It also provides some other benefits in the form of airport spa sessions, network roaming packs and more. They also offer access to railway lounges.

Axis Magnus

  • Reward Rate: 1.2%-2.4%
  • Joining/Renewal Fee: Rs.10,000+GST\
  • Know More

Axis bank brought this amazing credit card which not only provides great rewards but various other exciting offers. It provides domestic airport assistance, hotel benefits, dining benefits and more. This lets you enter airports hassle free in case of much traffic, which is beneficial for users living in metro cities. It covers almost all the aspects of one’s lifestyle and wellbeing.

SBI IRCTC card

  • Reward Rate: 1%-10%
  • Joining Fee: Rs.500+GST
  • Apply Now

SBI created this card with IRCTC to provide up to 10% off or rewards on train tickets. This card will serve the purpose if you are a frequent train traveler. This will give you rewards in the form of discounted railway tickets or discounted journeys. (Read More)

Best Super Premium Credit Cards

These cards are created specially for people with high net worth. People who have income more than 20 lakh per year are able to get such super premium cards. These are the cards that come with high spending limits, amazing rewards, lounge access and many other benefits.

  • Suggested income range: 25 Lakhs+
  • Suggested spend range: 10 Lakhs+

ICICI Emerald

  • Reward Rate: 1%
  • Annual fee: Rs.12,000+GST
  • Apply Now

These cards of ICICI bank come into two variants. One is American Express and the other is visa. But the sad part about this card is that it gives poor cashbacks. It provides different kinds of vouchers but quality vouchers are available with Amex variant only. It also provides national and international lounge access.

Amex Platinum

  • Reward Rate: ~1.25%
  • Annual fee: Rs.60,000+GST
  • Welcome Benefit: 100K MR points (or) Rs.40,000 Taj vouchers
  • Apply Now

American Express is known for its premium services all round the world. This is the super premium card providing company. If you love luxury travelling and services, then this is the best provider for you. It gives tremendous welcome benefits plus amazing rewards. The Platinum Card gives you grand set of elite tier benefits that you can enjoy as long as you hold the platinum card.

HDFC Infinia

This is the most premium card provided by the HDFC bank. This card comes with superb customer support and amazing rewards. It provides 2x/5x/10x rewards with selected merchants and is one of the highest rewarding credit card in the country.  They provide national and international lounge access. It also provides medical emergency cover which will help if you travel abroad.(Read More)

HDFC Diners Black

  • Reward Rate: 3.3% – 33%
  • Joining Fee: Rs.5,000+GST (Free for select accounts)
  • Apply Now

It provides lucrative rewards. Most of the rewards are 10x points, this is probably the best credit card in India especially for travelers. But the problem with this card is that diners is least accepted in India, hence you have to keep another backup card. You can get unlimited access to airport lounges across the world – both Domestic & International.

Standard Chartered Ultimate

  • Reward Rate: 3.3%
  • Joining Fee: Rs.5,000+GST (Free for select accounts)
  • Apply Now

This card has services same as HDFC infinia/diners. It also comes with good reward rate. The advantage here is that you can also use reward point as amazon voucher. This also provides lounge access but in limited amount. It provides dine-out offers, discounts on premium brands and more.

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