Best Credit Card in India 2022

Best Credit Card in India

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31 Dec 2021

Credit Cards in India

Top Credit cards in India provide benefits in a variety of areas, including shopping, gas, travel, cashback, incentives, and more. The best credit card for you, however, must be dependent on your spending patterns.  You must determine your financial requirements and narrow down on your options by asking the appropriate questions. As a result, choosing from selective options of the best credit cards in India 2022 - would be easy.

Best Credit Cards in India 2022

Credit cards provide advantages in a range of aspects, like shopping, gas, travel, cashback, incentives, and more. The ideal credit card for you, however, must be dependent on your spending patterns. We have identified the best credit cards in India, together with their characteristics and advantages, to assist you to choose the best credit card and maximizing its benefits.

Top 10 Credit Cards in India


Minimum Salary Required

Best suited for

Annual Fees (₹)

Bajaj Finserv RBL Bank Credit Card

Regular source of income

Best for overall use

Depends on the card you choose.


₹60,000 per month

Travel, Shopping, and Movies


Axis Bank Ace Credit Card

Communicated during the sourcing process.



HDFC Regalia Credit Card

₹1,00,000 per month

Shopping & Travel


Amazon Pay ICICI Credit Card

Communicated during the sourcing process.

Cashback & Online Shopping


Flipkart Axis Bank Credit Card

₹15,000 per month

Online Shopping


HDFC Millennia Credit Card

₹35,000 per month



Citi PremierMiles Credit Card

₹25,000 per month

Air Miles


HSBC Cashback Credit Card

₹33,333 per month

Online Shopping


Standard Chartered Digismart Credit Card

₹50,000 per month

Online Shopping


*The income stated is exclusively for salaried individuals; income criteria for self-employed applicants might fluctuate depending on their requirements.

*Additional Goods & Services Taxes will also be added to the annual fees.

Best Credit Cards in India Category-wise

Bajaj Finserv RBL Bank

The RBL Bank credit card, is one of the best credit cards in India in collaboration with Bajaj MARKETS, provides several industrial benefits. There will be no interest on withdrawing cash for up to 50 days. Withdraw cash from just about any ATM in India with your credit card. Get cash back, free movie tickets, and other benefits. Pay with Points, Access to Airport Lounges and much more.


SBI Card Elite is the no. 1 credit card since it comes with unique shopping vouchers from various high-end brands as a welcome present, as well as movie tickets benefit, faster reward points, free club access, club Vistara membership, as well as other benefits.

Axis Bank Ace Credit Card

The Axis Bank Ace Credit Card is the best in India for cash backs. If you are unsure of the areas in which you spend the most, a cashback credit card is the best option for you.

HDFC Regalia

HDFC Regalia is the best credit card in India, particularly if you are looking for all-around benefits, as it offers a wide range of benefits for dining, travel, and shopping. Let's find out a little more about HDFC Regalia credit cards.

Amazon Pay ICICI Card

Amazon Pay ICICI Card has been one of India's top credit cards which is co- branded. If you often buy on Amazon, you may earn rewards on every transaction. The best feature of this credit card is that you will get all of these perks for free since there are no application or renewal fees.

Flipkart Axis Bank

Flipkart Axis Bank’s Credit Card is the easiest credit card to get in India. The card offers 5% cashback on Flipkart, Myntra, Swiggy, Uber, PVR, and Cure. The card also offers a limitless 1.5 percent reward on all other purchases. If you frequently purchase at the above-mentioned brands, this card might be really useful.

HDFC Regalia

The HDFC Regalia credit card is unquestionably the best credit card in India from HDFC , particularly if you want all-around benefits. It provides a wide range of dining, travel, and shopping incentives.

Citi PremierMiles Credit Card

Those who are willing to pay a credit card fee in exchange for exclusive travel privileges such as air miles on every purchase, access to lounges, discounts, and other travel bargains for them Citi PremierMiles Credit Card is the best credit card in India.

HSBC Cashback card

If you are a regular shopper who likes to make occasional purchases, you should acquire a shopping credit card that offers high cash back. Top credit card in India is the HSBC Cashback card, which provides cashback on all transactions.

Standard Chartered Digismart

The Standard Chartered Digismart credit card is a good option. It is more advantageous for individuals who shop on Grofers, Yatra, Zomato, Myntra, Ola and Inox.

How to Compare Credit Cards in India

It may be tough to find the best credit card in India for you because there are so many different types of credit cards.

Here are the features and advantages of a credit card to consider while selecting one.

  1. Program of Reward - In principle, all credit cards offer a reward program that allows cardholders to collect bonus points on every purchase they make with their cards.

  2. Benefits of Cashback - Customers may get cashback from several credit cards.

  3. Access to Airport Lounges - Some credit cards provide free lounge access to cardholders. The offer differs from one bank to the next.

  4. Insurance Coverage- Some premium cards include a complete insurance policy that covers air accidents, life, lost luggage, lost card, outstanding, and so on.

  5. Acceptance - Today, the majority of credit cards issued in India are global credit cards which are accepted by retailers all over the world.

  6. Conversion of EMI - The function enables credit card holders to convert their card transactions into simple monthly payments (EMIs).

  7. Balance Transferring - You can transfer the outstanding amount of one bank's current cards to another bank's credit card account.

  8. Credit Score- Having a credit card might help you get a good CIBIL score. You will earn a favorable credit score from the credit agency, CIBIL if you make timely and complete payments on your card.

FAQs about Best Credit Cards in India

  • ✔️Do all the best credit cards in India charge high annual fees?

    No. There are several credit cards in India with the finest deals that are either free for life or have a low annual cost. Some of the best low upfront and annual fee credit cards include  HSBC Platinum, HDFC Moneyback, and Citi Cashback Credit Card. 

  • ✔️Which credit card in India has the best rewards program?

    The major benefit of reward credit cards is the reward point program and redemption choices. The reward points save on and provide you with the best credit card experience possible.

    1. HSBC Smart Value Credit Card

    2. Citi Rewards Card

    3. HDFC Moneyback Credit Card

  • ✔️Which are the top 5 credit cards in India?

    The 5 best credit cards in India are:

    1. BPCL SBI Credit Card

    2. Citibank Cashback Credit Card

    3. RBL

    4. Axis Bank MyZone Credit Card

    5. HDFC Regalia

  • ✔️Which are the best credit cards for beginners in India?

    Credit cards with no application costs and no annual fees are wonderful to have. In such cards, income eligibility must also be limited.

  • ✔️Which are the best credit card companies in India?

    Citibank, RBL Bank, SBI, and Axis Bank are some of India's best credit card companies.