15 Best Credit Cards in India – Review & Comparison

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Which are the best credit cards in India? Well, the choice of the best credit card depends on many things. The card that sound best for me may not be best for others. This is because of difference in features and scope such as joining fees, annual fees, discounts, cash back, where we spend, how much we spend and a lot of other things.

One should remain cautious before accepting any credit card offer. Every credit card company is offering mouth-watering benefits like reward points, cash back, and other incentives. Many of us get attracted by these benefits and accept credit card without looking at basic features like annual fees, interest rate, etc. The credit card offer sounds lucrative at an initial stage, however, all these benefits get smashed when we receive actual credit card bill. Therefore, It is advisable to carry out independent online research before accepting credit card offer. You should be convinced that offer given by Credit Card Company is rewarding and will help you in saving money.

In this post, I will share with some of the most popular credit cards in India. I will also help you to identify best credit card for your need. So, let’s begin our journey towards Best Credit Cards in India.

A list of Best Credit Cards in India is given below.

  1. Standard Chartered Platinum Reward Credit Card
  2. ICICI Platinum Chip Credit Card
  3. Standard Chartered Manhattan Credit Card
  4. SBI Simply Save Card
  5. SBI Corporate Platinum Card
  6. My Business Credit Card Axis Bank
  7. SBI Simply Click
  8. Axis Bank Buzz Credit Card
  9. Citibank Cashback Credit Card
  10. Axis Bank Privilege Card
  11. SBI Air India Signature Card
  12. Standard Chartered Super Value Titanium Credit Card
  13. Indian Oil Citi Platinum Credit Card
  14. HDFC Regalia Credit Card
  15. SBI Elite Card

You can select the best credit card from above list as per your needs.

Most Important Points before selecting credit card –

  1. Your payment habit is most important factor in the selection of credit card. If you are not on time payer you should select a card with low-interest rate else you can select any card.
  2. Get information about annual fees, the interest rate applicable and Interest-free grace period.
  3. Get information about overdraft limit and late payment charges applicable on a credit card.
  4. As per RBI mandate, all credit card company needs to publish MITC (Most Important Terms and Condition) mentioning information about charges applicable on a credit card. Before buying any credit card, one should go through MITS.
  5. Always choose a credit card that has excellent customer care support.
  6. Purchase credit card as per your need. Remember credit card can be a necessity but not luxury.

Considering above points in mind I have divided best credit cards of India into seven parts. Starting from no annual fees to a premium credit card I will provide best credit cards in every category. So, let’s begin our journey to best credit cards in India.

Note – All credit card review given here are unbiased (Neutral). I am no way associated with any of the company or do not promote any of them.

15 Best Credit Cards in India – Review & Comparison

Best Credit Cards in India No Annual Fees

Annual Fees are fees that you pay every year for the privilege of using a credit card. Most of bank and Credit Card Company offers a card with annual fees. However, few banks offer credit card with No Annual Fees. These type of card is also known as lifetime free credit card. Here are three Best Credit Card with No Annual Fees in India.

#1. Standard Chartered Platinum Reward Credit Card

standard chartered platinum card

First life time free credit card without any annual fee is Standard Chartered Platinum Reward Credit card.  A special advantage of Standard Chartered Platinum Reward Credit card is this card provides a lucrative offer of 20% cashback per month on Uber rides. This means you can save sustainable amount on Uber ride per year. Additional benefits of this card are given below.

Additional Benefits –

  • No Annual and Joining Fees
  • Earn 5 reward points for every Rs.150 spend on dining outlets and on fuel.
  • 20% discount for first time user of big basket.
  • 1000 reward points on the first transaction of a credit card.
  • Additional 500 reward points for registering online banking.

You can apply for Standard Chartered Platinum Lifetime Free Credit Card from Here.

#2. ICICI Platinum Chip Credit Card

ICICI Platinum Credit Card

ICICI Platinum Chip credit card is life time free credit card. This card is claimed to be lifetime free card by ICICI. However, you need to Rs.50000 or above using this card to waive off annual fees. Features and benefit offered by this card are given below.

Features and Benefits –

  • 15% saving on dining bill.
  • Fuel surcharge 1% waiver.
  • Earn 2 payback point on every Rs.100 spent.
  • Extra layer of security.

If we compare both Standard Chartered Platinum card with ICICI Platinum Chip card it is clear that Standard Chartered Platinum Card is a better choice.

Apply for ICICI Platinum Chip Credit Card

Best Credit Cards for Salaried Person in India

If you are the salaried person this section is for you. In this section, we will take a look at best credit cards for a salaried person in India. 

#3. Standard Chartered Manhattan Credit Card

standard chartered mahattan credit card

Standard Chartered Manhattan is the best credit card for the salaried person in India. This card comes with attractive rewards and cash back facility. You can claim 20% cashback on all UBER rides using this credit card. You can use Standard Chartered Manhattan Credit Card free of cost for the first year.

Features and Benefits –

  • 5% cash back at supermarket and department stores.
  • You can earn up to Rs.500 as cash back every month and Rs.150 for each transaction.
  • Renewal fee waiver if annual spend increase Rs.60000.
  • 3X reward by using a credit card for a hotel, air ticket reservation, and fuel.

Apply for Standard Chartered Manhattan Credit Card. 

#4. SBI Simply Save Card

sbi simply save card

SBI Simply Save is a perfect card for the salaried individual. This card provides multiple benefits on shopping, travel, and lifestyle. Annual Charge of this card is very low. This card offers following benefits.

Benefits of SBI Simply Save Card –

  • 10X Reward points per Rs.100 spent on the departmental store, Grocery, Dining, and movies.
  • Fuel surcharge waiver.
  • Auto utility bill payment.
  • Cash on the go facility.

Apply for SBI Simply Save Card

Best Business Credit Cards in India

If you are businessman this section is for you. In this section, we will take a look at best business credit cards in India.

#5. SBI Corporate Platinum Card 

sbi platinum corporate card

SBI Corporate Platinum Card is one of the best business credit cards in India. This card helps you to track your expense with spend management tool. You can set spending limit in order to ensure better control. This card is widely accepted in India and even at abroad.

Features and Benefits –

  • Spend Analysis and Spend Control.
  • Emergency Cash Disbursement.
  • Travel & Fraud related insurance.
  • Wide acceptability.

Apply for SBI Corporate Platinum Card 

#6. My Business Credit Card Axis Bank

my business axis card

My Business Credit Card from Axis Bank is a second credit card in business card category. This card helps you to control your business and travel expense with unique business saving plan feature. It also offers you a free hotel stay for fix period. Additional benefits and features of this card are given below.

Additional Benefits –

  • Cash Advance Facility
  • Pay Bill automatically
  • Purchase Products on EMI
  • Airport Lounge Access
  • Fuel surcharge waiver

Apply for My Business Credit Card Axis Bank

Best Credit Cards for Online Shopping in India

If you are fond of shopping you can surely go for following best credit card for online shopping in India.

#7. SBI Simply Click 

sbi simply click card

SBI Simply Click is the best credit card for the shopping. SBI Simply Click card provides benefits like login gift, e-shopping rewards etc. It is a card for a new generation that always remains online. Key features and benefits of this card are given below. 

Key Features and Benefits of SBI Simply Click 

  • You can earn e-shopping rewards for Amazon, Bookmyshow, clear trip and lot of other websites.
  • You can avail e-voucher as milestone gift with online spending of 1 Lakh and above.
  • Cash on the go facility of this card allows you to withdraw money from ATM.
  • It is a contactless card. 

Apply for SBI Simply Click from here. 

#8. Axis Bank Buzz Credit Card 

axis bank buzz credit card

Axis Bank Buzz Credit card is ideal for online shopping geek. This card offers an exclusive benefit for shopping online. You need not pay any annual fees for the first year. Other exclusive benefits offered by this card is given below.

Benefits of Axis Bank Buzz Credit Card

  • Gift voucher from Flipkart worth Rs.8000
  • 5% discount on Flipkart Shopping
  • 3X Axis eDGE reward points for shopping online
  • Conversion of purchase to EMI

Apply for Axis Bank Buzz Credit Card 

Best Credit Cards for Cashback In India

#9. Citibank Cashback Credit Card 

citi bank cash back card

Citibank Cashback Credit Card is another best credit card for cash back in India. You can save a lot of money as cash back by using this credit card. This card gives you cash back on almost every transaction related to household including utility bill payment. Additional benefits of this card are given below.

Additional Benefits –

  • 5% cashback on Telephone and Utility bill payment.
  • Up to 15% saving across participating restaurants.
  • 75% Cashback on fuel purchase.
  • 5% Cashback on all other spends.
  • Cashback is auto credited in to account in multiple of Rs.500.

Apply for Citibank Cashback Credit Card

Best Credit Cards for Travel

If you are frequent traveler following credit card will surely help you in order to save money on travel. It will also give you exclusive lifestyle benefit during travel. 

#10. Axis Bank Privilege Card 

axis bank privilege card

This card is claimed to be unlimited travel benefit card. This card offers multiple travel benefits to the customer including insurance benefit. The key features and benefit offered by this card are given below.

Key Features and Benefits –

  • Yatra Vouchers of Rs.5000 as activation benefit
  • Complimentary access to Airport Lounges
  • Free Travel Insurance with benefits like accident cover, loss of baggage and travel documents.
  • 15% off at partner restaurant

 Apply for Axis Bank Privilege Card

 #11. SBI Air India Signature Card 

sbi air india signature card

SBI Air India Signature Card is the second best credit card for travel. However, this is airline specific card. If you are Air India frequent traveler you should opt for this card. Additional benefits of this card are given below.

Additional Benefits –

  • Enjoy complimentary membership of the Air India Frequent Flyer program
  • 20000 Reward Points as Joining Gift
  • Convert Reward points to Air India miles
  • Railway ticket delivery at doorstep

Apply for SBI Air India Signature Card

Best Petrol Credit Cards In India

#12.Standard Chartered Super Value Titanium Credit Card

standard chartered titanium card

Standard Chartered Super Value Titanium Credit Card is the best choice for saving money on fuel and utility bills. Joining fee for this card is NIL and the annual fee is very low. Key features and benefit of this card are given below.

Key Features and Benefits –

  • Earn 5% cash back on fuel
  • 5% cash back on telecom, gas, electricity
  • Attractive rewards on spending

Apply for Standard Chartered Super Value Titanium Credit Card

#13.Indian Oil Citi Platinum Credit Card 

Indian Oil Citibank Platinum Card

Indian Oil Citi Platinum Credit Card is Indian Oil specific card. In addition to fuel, this card allows you to earn on all other spends. Benefits of owning this card are given below.

Additional Benefit –

  • 4 Turbo Points on Rs.150 of fuel purchases at authorized Indian Oil Retail Outlets
  • 2 Turbo Points on Rs.150 at grocery and supermarkets
  • Redemption and multiple places including online partner

Apply for Indian Oil Citi Platinum Credit Card

Best Premium Credit Cards in India

#14.HDFC Regalia Credit Card

best credit cards

HDFC Regalia Credit Card is Best Premium Credit Card I have ever seen. This card offers world class privileges and saving opportunities. In addition to that, you can avail other complimentary benefits. Key features and benefit offered by HDFC Regalia Premium Credit card are given below.

Key Features and Benefits –

  • Complimentary Vistara Silver Membership
  • Exclusive dining privilege up to 15% discount on premium restaurants
  • Travel Concierge Services
  • Airport Lounge Access
  • Exclusive Reward Program
  • Comprehensive Travel Protection in association with HDFC Ergo General Insurance
  • Lowest Foreign markup fees

Apply for HDFC Regalia Credit Card

#15. SBI Elite Card

sbi elite credit card

SBI Elite is one of the best premium credit cards. SBI Elite Card gives spend based milestone reward points that can be converted in to cash credit. Key features and benefits of this card are given below.

Key Features Benefits –

  • Welcome e-gift voucher worth Rs.5000.
  • Free movie ticket worth Rs.6000 every year.
  • 5X reward points on Dining, Departmental Store and Grocery spends.
  • Complimentary Club Vistara Silver membership
  • Complimentary Trident Privilege Red Tire membership
  • Concierge Services

Apply for SBI Elite Card

Over to you –

Which Credit Card you prefer to buy from above list?

Do you use any of the credit cards from above list?

Do share your experience in the comment section.

 

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