Top 10 Best credit cards in India | Full Details

At present, all the banks offer a variety of offers on their credit cards, so it has become difficult to choose the best credit card for yourself. If you are also wondering which would be the best credit card for you, then here is our list of 10 best credit cards in India, which can help you choose the best credit card.

We have tried to cover only the best credit cards under the top 10 list out of which these 9 fits under best cards yet.

10 Best Credit Cards in India for the Year 2021

top 10 credit cardsAnnual FeeDesigned forminimum income(Required)
Axis Bank Ace Credit Card₹ 499  for cashbackWill be informed by the bank at the time of applying
Amazon Pay ICICI Credit CardZeroFor online shopping and cashbackWill be informed by the bank at the time of applying 
HDFC Reglia credit card₹ 2,500for travel and shopping₹ 70,000 per month
BPCL SBI Card octane ₹ 1,499  for fuelWill be informed by the bank at the time of applying
SBI Simplyclick Credit Card₹ 499  for reward₹ 20,000 per month
Citi
Premiermiles Credit Card (SBI Premiermiles Credit Card)
₹ 3,000for Airmiles ₹ 25,000 per month
SBI Card Elite ₹ 4,999  for travel and movies₹ 60,000 per month
Yes First Preferred credit card ₹ 2,499 For shopping and traveling ₹ 1,50,000 per month
HSBC cashback credit card₹ 750for online shopping₹ 33,333 per month
Standard Chartered Super Value Titanium Credit Card₹ 750for shopping and fuel ₹ 55,000 per month

#1. Axis Bank Ace Credit Card

Axis Bank Ace Credit Card is one of the best cashback credit cards in India as it offers 2% cashback on all spending. If you are not sure about the categories where you spend the most, then this cashback credit card would be the right choice for you. Following are the features of Axis Ace Credit Card

Joining fee: 499 Rs.   ( Rs 10,000 spent in first 45 days will be refunded)

Renewal Fee: Rs 499 . ( Rs. 2 lakh or more spent in the previous year will be refunded) 

Minimum Income: Fixed at the time of sourcing

  • 5% cashback on bill payments and mobile recharge through Google Pay
  • 4% cashback on Swiggy, Zomato and Ola
  • 2% cashback on all other expenses
  • No maximum limit on cashback available
  • 5% Cashback on Big Basket and Grofers ( Valid till 31st December)
  • 4 complimentary lounge visits per calendar year 
  • 400 Rs. From 4000 to Rs. Rupee. 1% fuel surcharge waiver (maximum Rs.500 in a month ) on transactions between 

#2. Amazon Pay ICICI Bank Credit Card

If you shop frequently on Amazon then Amazon Pay  ICICI Credit Card is specially made for you. Through this, huge discounts are available on purchases as well as cashback. Apart from Amazon purchases, you also get cashback on other expenses. This credit card ( Credit Card) is about the best thing that you all these benefits do not include any fee or renewal fee for this card as a free meeting. More details of this credit card are given below:

Annual Fee: Nil

Renewal Fee: Nil

  • 5% cashback on all purchases on Amazon for Amazon Prime customers in addition to existing offers
  • 3% cashback on all purchases for non-prime customers
  • 2% cashback on Amazon partner and gift card purchases
  • 2% Reward Points on Recharges , Bill Payments etc.
  • 1% cashback on all other purchases
  • 1% fuel surcharge waived off at all petrol pumps across India
  • 1 reward point = 1 Rs.
  • 3,000 for 3 or 6 months . Get No Cost EMI on all purchases above Rs.
  • Additional cashback for Prime as well as Amazon Pay balance for non-Prime members
  • Reward points automatically converted to Amazon Pay balance and credited to Amazon account as Amazon Pay balance

#3. HDFC Regalia Credit Card

If you have a credit card ( Credit Card) are looking for that some at the expense of every kind, so HDFC Regalia should be your first choice. It offers catering discounts, travel offers, rewards programs, and more protection. Let us know more about this card below:

Annual fee: 2,500 Rs. + GST

Renewal Fee: Rs.2,500 . + GST ( in the last calendar year 3 per million. On spending)

  • Credit Card ( Credit Card) before the issuance of 3 months 75,000 Rs. Get Zomato Gold membership for one year on spend
  • Get 2,500 reward points every year on payment of joining fee and renewal fee
  • Get 12 domestic airport lounge access per calendar year
  • Own and add-ons for members each year 12 entered the international lounge , Priority under close membership which 4 can be activated on retail Tronnjekshn
  • 24×7 Travel Concierge Service for Booking , Travel , Late Night Delivery etc.
  • Priority dining at top restaurants across the country under the Good Food Trail Food Program
  • 150 on all retail expenses . Spending 4 get reward points , including utility bills , insurance , education , including rent etc.
  • 5 lakh by card . Spending 10,000 reward points and 8 per million. Additional 5,000 points on spending
  • 400 at all petrol pumps in the country . From 5,000 Rs. 1% fuel surcharge waived on all transactions between   
  • Discount on flight and hotel bookings , vouchers , gifts, etc. with up to 70% off on flight and hotel ticket fares
  • 1 crore in case of death during air travel . insurance of
  • 15 lakhs for any medical emergency while traveling outside your country . medical insurance of

#4. SBI BPCL Octane Credit Card

If you are concerned about rising fuel costs and are looking for ways to save money, then you should consider the BPLC SBI Ocatane Credit Card. It is one of the best credit cards for fuel and features in the list of top 10 credit cards in the year  2021. Following are some of its major benefits:

Annual Fee: Rs  1,499 . + GST

Renewal Fee: Rs  1,499 . + GST (Wait for spending Rs 2 lakh in a year )

Minimum Income Required: To be specified by the bank at the time of applying 

  • Get 7.25% cashback. 25x Reward Points on Buying Fuel from BPCL Petrol Pumps
  • 100 each spent on BPCL Fuel and Bharat Gas website and application . To 25 reward points
  • 100 for every Rs.100 spent on groceries , departmental store , movie tickets , and dining . on 10 reward points
  • Up to 2500 Reward Points can be accumulated per billing cycle
  • 1500 Rs. Get 6000 Bonus Reward Points on Payment of Joining Fee  
  •  3 lakh Rs. 2000 at select merchants with a minimum annual spend of Rs. can get e-voucher of

4 complimentary visits per calendar year to Domestic Visa lounges in India (allowed once every three months)

What is a credit card? Application, advantages, disadvantages

#5. Simply Click SBI Card

If you are looking to make the most out of your online spending, the Simply Click SBI Card is one of the best cards that you can opt for. It gives you 10X reward points along with discounts on your online spending, making it best suited for high shoppers.

Annual Fee: Rs 499 . + GST

Renewal Fee: Rs 499 . + GST

  • 500 as welcome benefit . get a voucher of
  • For every Rs 100 spent on the card . get 1 reward point
  • Get 5X rewards on all online spends and 10X rewards for online spending with other SBI Card partners
  • 500 Rs. From 3,000 Rs. Fuel on Tronnjekshn 1% Enjoy fuel surcharge waiver , the maximum discount of 100 rupees.
  • 1 lakh in a year . spend and get Rs.499 . get back annual fees
  • No need to swipe the card into the machine for contactless card payments. Payment can be made just by showing the card in front of the machine

#6. Citi Premier Miles Credit Card

Those who can afford the annual fee credit cards to obtain other advantages over air miles and visit each spend, the lounge access, can apply for discounts and other benefits City Premier credit card (Citi Premier Credit Card) Which is one of the top travel credit cards.

Annual Fee:  Rs.3,000 /- + GST

Renewal Fee:  Rs.3,000 /- + GST

Minimum Required Income:  Rs.25,000 . every month

  • 1,000 within 60 days of card issuance . or more you will get 10,000 Bonus Miles
  • Additional 3,000 miles on card renewal
  • 100 for every Rs.100 spent in all categories . earn 4 miles for 
  • For every Rs 100 spent in a transaction made with any airline in the world . On 10 Get Miles 
  • The air miles you get will never expire  
  • Right to lounge access at airports in India and around the world 

Can transfer miles to the frequent flyer program of various airline partners in a 2:1 ratio 

#7. SBI Card Elite

SBI Card Elite is a lifestyle credit card that offers exclusive shopping vouchers from some premium brands as a welcome gift. It also gives benefits like movie tickets, reward points, right to lounge access, club Vistara membership, and more. Some of the benefits of this top credit card for the year 2020 are as follows:

Annual Fee: Rs.4,999 . + GST

Renewal fee: Rs.4,999 . + GST

  • 5,000 off Yatra , Bata/ Hush Puppies, Pantaloons , Shoppers Stop and Marks & Spencer . Receive welcome e-gift vouchers worth Rs.
  • 250 per month Rs. 6,000 in a year in the form of vouchers . get free movie tickets of
  • 3 lakh Rs. and 4 lakhs. Get 10,000 Bonus Reward Points on an annual spend of Rs.
  • 100 on all categories except fuel . Get 2 reward points when you spend
  • Credit Card ( Credit Card) to retail , your reward points to buy food and department store 5 Increase times
  • Priority Pass Membership Get access to over 1,000 airport lounges worldwide
  • Per year international airport lounges 6 may enter once , maximum per quarter (three months) 2 entry time and 2 may enter once domestic lounge
  • Enjoy Club Vistara Membership

#8. Yes First Preferred Credit Card

Yes, First Preferred Credit Card is a premium card suited to the needs of frequent travel and shopping spenders. The card also offers attractive rewards with every purchase that can be later redeemed to receive vouchers, merchandise, or Intermiles. Following are some of the key features of this credit card:

Annual Fee: Rs.4,999 . + GST

Renewal fee: Rs.4,999. + GST

Minimum income required: Rs.  1,50,000 . every month 

  • 10,000 Welcome Reward Points on first purchase made within 90 days of card activation
  • Avail renewal benefits of 7,500 reward points every year on payment of renewal fees
  • 200 in all categories . 8 reward points on spend  
  • 2X Reward Points on Travel Agencies & Tour Operators , Domestic Airlines & Meals
  • Redeem reward points to a specific catalog of product purchase or book Yes Bank’s website flight / hotel / movie tickets ( 1 reward point = 0.25 Rs.) 
  • Convert Reward Points to Intermiles in a  4:1 Ratio
  • Receive exclusive golf benefits under the MasterCard World Golf Program ; Receive 3 green fee waivers on select golf courses and 1 visit per month
  • Enjoy Priority Pass membership with 4 free trips a year
  • Concierge Service and Automobile Assistance through YES ASSIST  
  • Enjoy Foreign Currency Markup Fees @ 1.75% Only
  • Enjoy 25% off on movie tickets booked through BookMyShow
  • Get insurance cover including life insurance , medical insurance and credit shield cover

#9. HSBC Cashback Credit Card

If you are fond of shopping and always prefer to shop, then your shopping credit card ( Credit Card) also should receive either a discount or cashback. HSBC Cashback Credit Card is one such card that offers cashback on all your purchases. Let’s take a look at some of the features of this credit card:

Joining Fee: Nil

Renewal fees: 750 + GST ( last year 1 excuse to spend per million.)

  • 2 domestic or international sign in the airport lounge or 2 provides food vouchers to 400 Rs. 250 as welcome benefit and Rs. get swiggy vouchers
  • 1.5% cashback on all online except wallet transactions
  • 1% cashback on all other spends
  • zero joining fee
  • Cashback is also applicable on EMI ( Equated Monthly Installments)
  • Upto 15% Off On Dining At Partner Restaurants
  • Option to pay in EMIs on balance transfer , cash-on- EMI, loan-on-phone , etc.
  • The Card’s partner app keeps on offering offers from time to time on Big Basket , Amazon Pantry , MakeMyTrip etc.
  • Zero Lost Card Liability , Emergency Card Replacement , Worldwide Card Acceptance , Cash Advance etc.

Read Q&A to clear all your doubts and points about these best credit cards at present in India. Tell us your experience and which cards are you using from above.

Q&A

Question.  Which bank credit card is the best in India?
Answer: 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 will 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. 

Question. Which credit card is best for online shopping in India?
Answer:  Some of the best credit cards for online shopping in India are SBI Simply Click Credit Card, HDFC MoneyBack Credit Card, Axis Bank Neo Credit Card, and ICICI Amazon Credit Card.

Question. Do all the good credit cards in India charge an annual fee?
Answer: 
 No. There are some good credit cards in India that are either free for life or charge a minimum annual fee. Some examples include HDFC Moneyback, HSBC Platinum, ICICI Amazon Pay Credit Card, and Citi Cashback Credit Card.

Question. Which credit card in India has the best rewards program?
Answer:  
 Almost all credit cards in India offer reward points with every purchase. But some credit cards offer higher reward points with certain purchases. Top Reward Points Credit Cards in India. 

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