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Credit cards are versatile financial tools designed to add value to every swipe. Be it a shopping credit card, travel credit card, or fuel credit card, you can find one with perks that best align with your spending habits. 


Save on annual and joining fees with a lifetime-free credit card and explore the rewards programme for extra benefits. On Bajaj Markets, you can choose from 30+ cards from top issuers, apply online, and earn up to 12X rewards and other exclusive benefits.

Some of the Best Credit Cards in India in 2024

Comparing your options before applying will help you choose the best card. Here are some of the best options for credit cards in 2024. 

Credit Card

Annual Fees

Best Suited For 

SBI Card ELITE*

₹4,999 + GST

Travel, Entertainment and Shopping 

AU Small Finance Bank Vetta Credit Card*

Nil

Rewards and premium perks

IndusInd Bank Legend Credit Card*

Nil

Luxury and travel benefits

Axis Bank ACE Credit Card*

₹499 + GST

Cashback and Dining

Flipkart Axis Bank Credit Card

₹500 + GST

Online Shopping and Cashback 

Cashback SBI Card

₹999 + GST

Online Shopping and Cashback 

Amazon Pay ICICI Credit Card

Nil

Online Shopping and Cashback

Standard Chartered EaseMyTrip Credit Card

₹350 + GST

Travel

HDFC Bank Diners Club Privilege Credit Card

₹2,500 + GST

Travel, Dining, Entertainment and Lifestyle

BPCL SBI Card OCTANE*

₹1,499 + GST

Fuel

Axis Bank Vistara Signature Credit Card

₹3,000 + GST

Travel

IDFC FIRST Millennia Credit Card

Nil

Shopping rewards and cashback

Note:

  1. The above fees and details are subject to change at the issuer’s discretion. 

  2. *Only these credit cards from the above list are available on Bajaj Markets.

 

Here are the details of these cards:

 

SBI Card ELITE

Best Suited For: Shopping discounts, airport lounge access and rewards 

Annual Fees: ₹4,999+ GST (waived off on annual spends of over 10 Lakhs)

Features and Benefits:

  • Complimentary Trident Privilege Red Tier membership and Club Vistara Silver membership

  • Low forex markup of 1.99% 

  • Complimentary cover of ₹1 Lakh against credit card fraud 

  • Gift voucher worth ₹5,000 as a joining benefit

 

IndusInd Bank Legend Credit Card

Best Suited For: Luxury and travel benefits 

Annual Fees: Nil

Features and Benefits: 

  • 400 reward points on spending ₹6 Lakhs annually

  • Complimentary Priority Pass membership for domestic and international lounges 

  • Earn 2 reward points for every ₹100 spent on weekends 

  • Complimentary concierge service for booking flight tickets, making hotel reservations, and more. 

 

AU Small Finance Bank Vetta Credit Card

Best Suited For: Rewards and premium perks

Annual Fees: ₹2,999 + GST

Features and Benefits: 

  • 4 reward points each time you spend ₹100 on utility bills, groceries and departmental stores

  • 2 reward points each time you spend ₹100 on retail transactions and on other categories 

  • 1000 bonus points on crossing a spending milestone of ₹1 Lakh every quarter

  • Vouchers worth ₹1,000 on spending over ₹2.5 Lakhs annually on retail purchases during an anniversary year 

 

Axis Bank ACE Credit Card 

Best Suited For: Cashback and dining discounts

Annual Fees: ₹499 + GST (waived off on annual spends over ₹2 Lakhs)

Features and Benefits: 

  • 5% cashback on bill payments, 4% on Swiggy, Zomato and Ola, and 1.5% on all other purchases 

  • 4 complimentary domestic lounge visits 

  • 1% fuel surcharge waiver across all fuel stations in India

  • Discounts on dining at over 4,000 partner restaurants

 

Flipkart Axis Bank Credit Card

Best Suited For: Unlimited cashback and easy EMI conversion facility

Annual Fees: ₹500 + GST (waived off on annual spends over ₹3.5 Lakhs)

Features and Benefits:  

  • Welcome benefits worth ₹600

  • 5% cashback on Flipkart, 4% on other preferred merchants, and 1% on other expenses

  • EMI conversions on purchases exceeding ₹2,500

  • 1% fuel surcharge waiver at all fuel stations in India

 

Cashback SBI Card

Best Suited For: Cashback and balance transfer on EMI

Annual Fees: ₹999+ GST (waived off on annual spends over ₹2 Lakhs)

Features and Benefits:  

  • Cashback of up to 5% on online and 1% on offline transactions, including utility bill payments

  • 1% fuel surcharge waiver at all domestic petrol stations

  • Pay the balance of other credit cards on EMIs at low interest rates when transferring outstanding dues to this card

  • Withdraw cash from ATMs worldwide 

 

Amazon Pay ICICI Credit Card

Best Suited For: Shopping rewards and cashback

Annual Fees: Nil

Features and Benefits:  

  • 5-3% cashback on any purchase on Amazon India as a Prime and non-Prime member, respectively

  • 2% cashback from 100+ merchants upon using this card on Amazon Pay 

  • 1% fuel surcharge waiver for each visit to the fuel station  

  • 1 reward point equals ₹1 and is credited to your Amazon Pay balance

 

Standard Chartered EaseMyTrip Credit Card

Best Suited For: Travel rewards 

Annual Fees: ₹350 + GST (waived off on annual spends over ₹50,000)

Features and Benefits:

  • 10x rewards on every ₹100 spent at independent hotels and flight booking websites, apps or physical outlets

  • Discounts of up to 20% on hotel and flight bookings made via EaseMyTrip

  • 4 complimentary domestic and 2 international airport lounge visits annually 

  • 2 reward points for every ₹100 spent on retail purchases 

 

HDFC Bank Diners Club Privilege Credit Card

Best Suited For: Lifestyle rewards and benefits

Annual Fees: ₹2,500 + GST (waived off on annual spends over ₹3 Lakhs)

Features and Benefits:

  • Vouchers for Marriott Experience, Decathlon, O2 Spa, Lakme Salon, and more worth up to ₹1,500 on quarterly transactions of ₹1.5 Lakhs

  • 10X rewards on booking stays and flights across 150+ hotels

  • Credit liability cover of ₹9 Lakhs and 50 days of interest free period 

  • 5X rewards on Swiggy and Zomato payments

 

BPCL SBI Card OCTANE

Best Suited For: Fuel purchase rewards and value back benefits

Annual Fees: ₹1499 + GST (waived off on annual spends over ₹2 Lakhs)

Features and Benefits:  

  • 7.25% value back benefits on purchases at BPCL fuel stations

  • 1 complimentary visit to a domestic VISA lounge per quarter 

  • 1% fuel surcharge waiver across all domestic BPCL petrol pumps 

  • Up to 25 reward points on eligible transactions

 

Axis Bank Vistara Signature Credit Card

Best Suited For: Travel perks 

Annual Fees: ₹3,000 + GST

Features and Benefits:  

  • Complimentary Club Vistara membership

  • Up to 5 complimentary Premium Economy ticket vouchers on reaching spending milestones

  • Insurance benefits in the form of Purchase Protection Cover up to ₹1 Lakh and other travel covers 

  • 2 complimentary visits to eligible domestic airport lounges 

 

IDFC FIRST Millennia Credit Card 

Best Suited For: Shopping rewards and cashback

Annual Fees: Nil

Features and Benefits:  

  • Up to 10X rewards points on spending ₹20,000 per month 

  • 3X rewards on spending up to ₹20,000 (online or offline) in a month

  • Welcome voucher worth ₹500 on transactions over ₹5,000 within 30 days 

  • Complimentary roadside assistance, personal accidental cover and lost card liability cover

Factors to Consider While Choosing the Best Credit Card

Choosing the best credit card means picking the one that works for you. Consider the following aspects to select the perfect card for yourself: 

1. Rewards Offered 

Different credit cards offer different rewards. For instance, a cashback credit card may be best if you want to enjoy discounts on your purchases. On the other hand, a fuel credit card may be ideal if you spend more on fuel. 

 

By evaluating your spending habits, you can choose a card that will allow you to maximise your benefits. 

2. Credit Card Charges 

Issuers levy various charges such as annual fees, finance charges, cash withdrawal fees, and more. The lower these charges, the better. Compare and choose accordingly. 

3. Credit Limits 

When comparing the best credit card offers, check the maximum credit limit offered and your eligibility. This will help increase your chances of getting a higher limit and increasing your purchasing power. 

4. Partners and Deals 

Banks have various partners that they tie up with to offer added benefits and discounts. Ensure that your chosen card has deals from your preferred retail, travel and electronics brands. This will help you save more on purchases that you are likely to make.

Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort.

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

Which are some of the best credit cards you can choose from?

The best credit card for you will depend on your needs. You can determine the ideal one by evaluating your spending habits and comparing the features, benefits, fees, and charges. For instance, the SimplyClick SBI Credit Card is among the best for online offers and discounts, whereas the SBI Card Prime is for luxury transactions.

Which credit cards in India have some of the best rewards programs?

SBI SimplySAVE Credit Card, SimplyCLICK SBI Credit Card, and RBL Bank ShopRite Credit Card have some of the best rewards programmes. You can compare these and others to choose one that best meets your requirements.

Which are the top 5 credit cards in India?

There are many credit cards that can qualify as the best in India. Some are the SBI BPCL Octane Credit Card, Axis Bank ACE Credit Card, SBI Card ELITE, and HDFC Bank Diners Club Black Credit Card.

Which are the best credit cards for first-time card users in India?

Credit cards without annual fees are ideal for first-time users. There are also many cards that don't require income proof or a good credit score, making them ideal for beginners. Opting for such a card can be a great way to build a good credit profile.

What are some of the top credit cards in India for salaried individuals?

The HDFC Bank Regalia Credit Card and Flipkart Axis Bank Credit Card are some of the best cards for salaried individuals. Consider the ACE Credit Card for Salaried by YES Bank and Amazon Pay ICICI Bank Credit Card, too.

Which are some of the top credit cards in India for online shopping?

The SimplyClick SBI Credit Card and Flipkart Axis Bank Credit Card are some of the best cards for online shopping. The Amazon Pay ICICI Credit Card, HSBC Cashback Credit Card, and Standard Chartered Digismart Credit Card are rewarding too.

Which credit card is best in India?

Your requirements and spending patterns play a major role in determining the best credit card for you. That said, some of the best credit cards include the SimplySave SBI Credit Card, SBI Card Elite, and HDFC Bank Regalia Credit Card. 


Use the credit card selector on Bajaj Markets to filter and find the best credit cards as per your requirements.

Which credit card is good for beginners?

The ideal credit card for beginners is one with a low annual cost and easy eligibility criteria. Some lifetime-free credit cards include the AU Small Finance Bank LIT Credit Card and IndusInd Platinum Master Credit Card.

What is the minimum payment on a credit card?

It is a minimum amount you must pay before the due date to avoid late payment charges. The amount is calculated based on your outstanding amount.

Is there any credit card in India with no annual fee?

In India, there are several credit cards that do not have an annual charge. Some of these include the IndusInd Bank Legend Credit Card, IndusInd Platinum Master Credit Card and AU Small Finance Bank Altura Credit Card.

Which credit card is most useful in India?

The most useful credit card in India depends on your spending habits. If you want to use your card to buy groceries, pay utility bills, or shop at the department store, choose a lifestyle card. If you want to get maximum value from your transactions, get a cashback or rewards credit card.

Which credit card offers the best travel benefits?

The SBI Card ELITE and the HDFC Bank Regalia Credit Card are some of the best credit cards in India for travel benefits. Other credit cards include the Axis Bank Miles & More World Credit Card, IRCTC SBI Card Premier and Club Vistara IDFC FIRST Credit Card.

Will the lounge benefits with credit cards be free of cost?

Yes. Credit cards with lounge benefits often offer a certain number of complimentary visits to domestic and/or international airport lounges per year or quarter. If you exceed the limit, you may have to pay certain charges to continue enjoying the benefit.

Which bank’s credit card is mostly used in India?

As of January 2024, there are over 10 Crore active credit cards. Around 70% of these are issued by HDFC Bank, State Bank of India (SBI), Axis Bank, and ICICI Bank.

Which card is most popular in India?

There are many popular credit cards in the country. A few of them include the SBI Card ELITE, Amazon Pay ICICI Credit Card, and Flipkart Axis Bank Credit Card. If you’re planning to apply for a credit card, give preference to the benefits over the popularity of the cards.

Which is the safest credit card in India?

Almost all credit cards offered by leading banks have similar, if not identical, safety protocols in place. As such, you can choose from any of the top cards, such as the SBI Card ELITE, SimplyClick SBI Credit Card, and HDFC Millennia Credit Card, among others.

Is it possible to cancel a credit card?

Yes. You can cancel your credit card through the net banking facility or by visiting the branch.

Is it safe to have multiple credit cards?

Yes, having several cards is safe and can be beneficial when used wisely. Remember that multiple cards also mean more fees and more risk, so get more cards only if they fit your budget.

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