10 Best Credit Cards in India 2019 Review (Latest)

Many people are searching – which are Best Credit Cards in India 2019? Or which is the best credit card for cashback? Or which is the best credit card for rewards?   Or which are best credit cards for online shopping? Or List of Top 10 Best Credit Cards in India. To help them, I have shortlisted 10 Best Credit Cards based on my experience of using these cards.

The list of best credit cards selected here is best fit for the salaried professional. While shortlisting cards I have gone through the benefit of each card in detail like cashback, rewards, cost etc. So, here is a list of Top 10 Best Credit Cards in India 2019.

  1. ICICI Bank Coral Credit Card
  2. ICICI Instant Platinum Card
  3. SBI Simply Click Credit Card
  4. SBI Signature Elite Credit Card
  5. Citibank Cashback Credit Card
  6. Standard Chartered Platinum Rewards credit card
  7. Standard Chartered Manhattan Platinum Credit Card
  8. HDFC Regalia First Credit Card
  9. HDFC Diners Rewards Credit Card
  10. Axis Bank Privilege Credit Card

best credit cards india

Detail feature list, associated cost and unique selling point of each credit card is given below.

10 Best Credit Cards in India 2019 Review (Latest)

  1. ICICI Bank Coral Credit Card

icici coral card

ICICI Bank Coral Credit Card is one of the best credit card for the Salaried. This credit card is available to customer without joining fees. This card is classified as lifestyle card by ICICI. I am using this credit card since past one year. Key Features and Fees of this card is given below.

Key Features ICICI Bank Coral Credit Card

  • 2x cash rewards at supermarkets, on groceries and dining.
  • 15% saving on restaurant bill via culinary program.
  • 5% fuel surcharge waiver on a maximum spend of Rs.4000 per transaction at HPCL Pump.
  • Additional Security of OTP for using Coral Credit Card.
  • Extra Reward and Payback point for redeeming for exciting gifts.

Fees

  • Joining Fee – Rs.500 + GST –
  • Annual Fee – Rs.500 + GST – Fee Reversal with annual spend of 1.5 Lakh in a previous year.
  • Overdue Interest rate – Up to 3.5% per month
  1. ICICI Instant Platinum Card

best credit cards

ICICI Instant Platinum Credit Card is one of the best premium credit card in India. You can get this credit card against fixed deposit. This card act as good alternative option for non-salaried, student or housewife.

Key Features ICICI Instant Platinum Card

  • Special offer for employees of selected corporates.
  • Contactless card for secure payment
  • Save on 1% fuel surcharge, waived off at HPCL petrol pumps.
  • 15% saving on restaurant bill via culinary program.
  • Avail discount of Rs.100 on purchasing movie ticket from BookMyShow website.
  • Enjoy attractive rewards which can be redeemed in form of cash.

Fees

  • Joining Fee – Rs.199 + GST –
  • Annual Fee – Rs.99 + GST – Fee Reversal with annual spend of Rs.50000 in a previous year.
  • Overdue Interest rate – Up to 3.4% per month
  1. SBI Simply Click Credit Card

SBI Simply Click Credit Card

SBI Simply Click Credit Card is best credit card for online shopping in India. This card provides extensive rewards and cashback for online shopping. This card has special tie up with Amazon, Cleartrip, Foodpanda and Lenskart. Key features of SBI Simply Click Credit Card are given below.

Key Features SBI Simply Click Credit Card

  • Welcome e-gift voucher of Amazon worth Rs.500.
  • Earn 10X reward point on online shopping with selected partners.
  • Earn 5X reward point on all other online shopping.
  • Fuel surcharge waiver for fuel transaction between Rs.500 to Rs.3000.
  • Contactless card for additional security of transaction.
  • Balance transfer EMI option available.

Fees

  • Joining Fee – Rs.499 + GST –
  • Annual Fee – Rs.499 + GST – Fee Reversal with annual spend of 1 Lakh in a previous year.
  • Overdue Interest rate – Up to 3.35% per month
  1. SBI Signature Elite Credit Card

SBI Signature Elite Credit card is premium credit card. This card is suitable for highly salaried people or businessmen. Key features and benefit of SBI Signature Elite credit card is given below.

Key Features SBI Signature Elite Credit Card

  • You will get e-gift voucher worth Rs.5000 on opting for this card.
  • You can get free movie ticket worth Rs.6000 every year.
  • 5x Reward points on Dining, Departmental stores and Grocery shopping.
  • Complimentary Club membership.
  • Exclusive assistance for various services.

Fees

  • Joining Fee – Rs.4999 + GST –
  • Annual Fee – Rs.4999 + GST
  • Overdue Interest rate – Up to 3.35% per month
  1. Citibank Cashback Credit Card

Citibank Cashback Credit Card is one of the best credit card in India for getting cashback. It is best suitable card for salaried people. Benefits offered by Citibank Cashback Credit Card are given below.

Key Features Citibank Cashback Credit Card

  • 5% cashback on utility bills like electricity, gas, mobile etc.
  • 5% cashback on booking movie ticket online.
  • 5% cashback on all other payment through this credit card.
  • Contactless card for additional security

Fees

  • Annual Fee – Rs.500 + GST
  • Overdue Interest rate – Up to 3.5% per month
  1. Standard Chartered Platinum Rewards credit card

standard chartered platinum card

Standard Chartered Platinum Reward Credit Card is one of the best premium credit card design for exclusive rewards and discounts. Key features and benefit associated with Standard Chartered Platinum Reward Credit Card are given below.

Key Features Standard Chartered Platinum Reward Credit Card

  • 5x rewards on dining and fuel spend with no upper limit.
  • Convert big spending above Rs.5000 to EMI easily.
  • Contact less card for higher security.
  • Secure online transaction using 3D secure OTP.
  • Exclusive gift and discount offer for online shopping

Fees

  • Joining Fee – Rs.250 + GST –
  • Annual Fee – Rs.250 + GST
  • Overdue Interest rate – Up to 3.49% per month
  1. Standard Chartered Manhattan Platinum Credit Card

standard chartered manhattan

Standard Chartered Manhattan Platinum Credit Card is a most suitable card for salaried person. This card provides a benefit of cashback of 5% while doing grocery shopping at malls. This brings a lot of saving while doing household purchase.

Key Features Standard Chartered Manhattan Platinum Credit Card

  • 5% cashback on a purchase at supermarkets and departmental stores on every 150 Rs spent with a maximum limit of Rs.500 per month.
  • 20% cashback on Uber rides
  • 3x rewards on all other spending

Fees

  • Joining Fee – Rs.499 + GST
  • Annual Fee – Rs.999 + GST
  • Overdue Interest rate – Up to 3.49% per month
  1. HDFC Regalia First Credit Card

HDFC bank regalia card

HDFC Regalia Credit Card is the best credit card in the premium segment. This card is suitable for businessmen and high-income group people. Overdue interest rate of this card is very low.

Key Features HDFC Regalia First Credit Card

  • Four Reward points on every Rs.150 spent.
  • Double the reward points on flight, hotel, movie ticket.
  • Complimentary Club Vistara Silver membership.

Fees

  • Annual Fee – Rs.9999 + GST
  • Overdue Interest rate – Up to 1.9% per month
  1. HDFC Diners Rewards Credit Card

HDFC Diners Reward Credit Card is one of the best travel credit card in the list. If you are frequent traveler and love to enjoy lifestyle benefits this card is for you. Key features and benefit details of this card is given below.

Key Features HDFC Diners Rewards Credit Card

  • Enjoy 10 X Reward Point on International spends.
  • Redeem Reward points for booking Air Tickets.
  • Book special concierge for travel needs.
  • Multiple Rewards and redemption options.

Fees

  • Annual Fees – Rs.1000 + GST
  • Overdue Interest rate – Up to 3.49% per month
  1. Axis Bank Privilege Credit Card

axis bank privilege credit card

Axis Bank Privilege Credit Card as the name suggests it is privilege credit card for Travel Benefits. The key features and benefits details are given below.

Key Features Axis Bank Privilege Credit Card

  • Multiple Reward points and Yatra Vouchers worth Rs.5000 on joining.
  • Facility to convert purchases to EMI
  • Complimentary access to Airport Lounge.
  • 15% discount on selected restaurants in India
  • Fuel Surcharge Waiver

Fees

  • Annual Fees – Rs.1500 + GST
  • Overdue Interest rate – Up to 2.95% per month

Conclusion – Hope you liked my post on “Top 10 Best Credit Card in India 2019”. Do share your feedback and experience is the comment section given below. It will surely help others for the selection of best credit card 2019.

Updated: Sep 26, 2018 — 9:41 pm

The Author

Raviraj Parekh

Raviraj is the man behind moneyalpha.com. He is graduate in finance, engaged in blogging since 6 years. He is not affiliated with any financial product, service provider, agent or broker. The purpose of this blog is to spread financial awareness and help people in achieving excellence for money. Please note that the views expressed on this Blog/Comments are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment advice or legal opinion.

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