A credit card is a plain plastic tool that becomes your dear friend when the cash in your wallet dries out. Be it the shopping, traveling, or meeting emergency needs, the best credit cards in India card stand by you when the cash in hand and cash at the bank become null and void.
And when you look at the list of credit cards available on market, it is endless. There are cards for shopping, traveling, co-brands, fuel, and much more. Choosing from the exhaustive list is a thankless job, isn’t it? Recognizing this difficulty, we have come with a list of the best credit cards in India that you would like to shop with. These cards also have reward points, discount offers, cashback, free movie tickets, and plenty more to interest the shopper in you.
As per a report Indian people are more likely to invest by credit card while traveling.
Top 10 Best Credit Cards in India
Here are the bunch of best credit cards in India with a wide range of benefits is shown in the table below. Choose the credit card from the list that resonates with your shopping demands.
#1. Simply Save SBI Card
It lets you earn 2000 bonus reward points on spending INR 2,000 within the first 60 days of the card issuance. This makes it one of the best credit cards in India.
Striking Features of it
- Accelerated reward plans in the offing with 10X rewards on every INR 100 you wish to spend on shows, groceries, departmental stores, and dining
- The award of annual fee reversal is up for grasps on spending INR 90,000 in a year
- Also, get a fuel surcharge disclaimer on your vehicle refill with transactions worth between INR 500-3,000
Annual Fee – INR 499
Why should you have it?
- It is one of those very few best credit cards in India that would attract almost every segment of Indian shoppers.
- The card also has accelerated reward plans for moviegoers, grocers, diners, etc.
- Annual fee reversal with INR 90,000 annual spending.
#2. HDFC Moneyback Credit Card
This card lets you enjoy the Super-saver facility on your every transaction with immediate cashback on your HDFC Credit Card. For every spend of yours, you will feel compensated in the form of reward points.
Striking Features of it
- On every spending of INR 150, you get to earn 2 Reward Points.
- There are also 2X Reward Points for you to enjoy Shopping online with your MoneyBack Credit Card.
- Redeem earned reward points upon benefits across different categories like Travel, Hotel Bookings, etc.
Annual Fee – INR 499
Why should you have it?
- This card has a Welcome Benefits of 500 Cash Points when you pay the Membership Fee.
- It also let you convert your big purchases into monthly installments with SmartEMI Facility on your credit card.
- You will get a Gift Voucher worth INR 500 on every spends of INR 50,000 every quarter.
#3. Simply Click SBI Card
It lets you enjoy Joining Gifts from Amazon, E-shopping Rewards from top brands like Lenskart, UrbanClap, etc. This card also gives Milestone Rewards in the form of an e-voucher and fuel surcharge waiver on fuel transactions.
Striking Features of it
- It lets you earn 10X Reward Points on online spending with top partners.
- On all other online spending, you can make 5X Reward Points. On every offline spend, you can make 1X Reward Points
- On spending INR 1 lakh annually, you will get an e-voucher worth INR 2,000
Annual Fee – INR 499
Why should you have it?
- If you spend INR 1,00,000 annually, you can get your annual fee (INR 499) waived off in the following year.
- It gives a Welcome Benefit Gift Vouchers from Amazon worth INR 500 on the payment of joining fee.
#4. RBL Bank Platinum Maxima Credit Card
It provides 8,000 reward points on the payment of the joining fee and a purchase made within 30 days of the card issuance. This makes it one of the best credit cards in India.
Striking Features of it
- Purchases worth INR 100 to make you 2 reward points.
- Also, gives 5X rewards on dining, fuel, utility, entertainment, and international spending.
- 10,000 reward points on spending INR 2 lakhs or more annually
- Additional 10,000 bonus reward points on spending INR 3.5 lakhs or more annually.
Annual Fee – INR 2,000
Why should you have it?
- Great Reward points plan
- Quickened rewards on spends
- Bonus rewards on spending up to INR 2-3.5 lakhs annually.
#5. BPCL SBI Card
This card lets you enjoy 4.25% value back, comparable to 13X reward points on fuel spends at BPCL petrol pumps. It also gives a 1% surcharge waiver on refilling the vehicles for every purchase of up to INR 4,000
Striking Features of it
- Also, reward points earned can be redeemed immediately for BPCL vouchers, fuel purchases at BPCL outlets, or Shop n Smile catalog.
- 5X rewards for every 100 spent on supermarket, departmental store, dining, and movies.
Annual Fee – INR 499
Why should you have it?
- The card ranks among the top fuel cards in India by giving 13X reward points on fuel spends at BPCL outlets. It also gives the 1% fuel surcharge waiver on vehicle refills.
- Provides the welcome benefit of 2,000 activation bonus reward points worth INR 500.
- Also, instant rewarding structure with 5X rewards on grocery and several other retail spends.
#6. American Express Membership Rewards Credit Card
This card gives 4,000 and 5,000 bonus membership reward points on joining and renewal, respectively. It also makes this card one of the best credit cards in India for those who love to get rewarded.
Striking Features of it
- 1,000 bonus membership reward points on four purchase purchases worth INR 1,000 or above every month
- Also, Attractive reward sanctification from the fabulous 18 Karat and 24 Karat Gold Collection
- Provides discount on booking flights and hotels both domestically and internationally
Annual Fee – INR 4,500
Why should you have it?
- Quickened rewards on spends
- Also, the redemption of rewards for several gift vouchers from leading brands
- A card for an keen traveler with discounts on both flights and hotel stays, be it on the domestic or international level
#7. ICICI HPCL Coral Credit Card
It lets you get 2 PAYBACK points on spending every INR 100 on retail shopping excluding fuel. Redeem 2,000 PAYBACK points for a fuel purchase worth INR 500.
Striking Features of it
- Earn 2.5% cashback on a minimum purchase of INR 500 and enjoy a 1% tax waiver on vehicle refill at HPCL petrol pumps
- Also, enjoy your dining at over 800 restaurants with at least a 15% discount.
Annual Fee – INR 199
Why should you have it?
- A top fuel card with redemption and tax waiver.
- Also, it rewards & cashback on retail spends.
- Discount on dining and shows.
#8. ICICI Bank Instant Platinum Credit Card
It lets you redeem the earned reward points against cash with one of the best credit cards in India.
Striking Features of it
- It has no joining & annual fee.
- Also, the card has a minimum of 15% discount on dining at more than 800 restaurants.
- Provides discount worth INR 100 on up to 2 movie tickets a month at BookMyShow
Annual Fee – NIL
Why should you have it?
- Fee waiver
- Also, reward redemption for cash
- Discount on dining and movies
- It lets you get your credit at a low interest rate of 2.49% per month
#9. HDFC Doctor’s Superia Credit Card
You must be wondering why this card comes to the list of best credit cards in India? One of the reasons is its amazing welcome benefit of 1,000 reward points that you get on joining.
Striking Features of it
- 1,000 reward points at the time of joining or renewal.
- Let’s you earn 3 reward points per every INR 150 spent, with 50% more saving on dining.
- Also, the renewal fee is reversed on spending INR 1 lakh in a year before the date of renewal.
- It also has Air voucher worth INR 8,000 on spending INR 5 lakh.
Annual Fee – INR 1,000
Why should you have it?
- Amazing reward points at the time of joining and renewal.
- Also, complimentary lounge access.
- Rewards on retail spending.
#10. Citibank Citi Cashback Credit Card
A cashback card by Citibank helps you to save on your retail purchase, movie tickets, etc.
Striking Features of it
- It lets you enjoy 5% cashback each on purchasing movie tickets, telephone bills, and other utility payments.
- Also, get up to a 15% discount on dining at partner restaurants.
- EMI options are also available at over 2,000 consumer electronics and mobile outlets.
Annual Fee – INR 500
Why should you have it?
- Cashback on card spending.
- Also, discount on dining at partner restaurants.
- Amazing shopping deals at leading brands across different categories
- It also has Smart EMI options
Also Read: How to invest your money with short term or long term investment funds?
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