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Credit cards are versatile financial tools, and these are designed to add value to every swipe. Be it for shopping, fuel, travel, dining, or any other expense, you can find a credit card for it. Most credit cards also have a rewards system, wherein you can accumulate points and avail offers. 

 

Since the features and benefits vary from one credit card to another, you might get confused while selecting a credit card with some of the best features. Read on to know which bank offers the best credit cards in India, their features and the benefits you can enjoy with each card.

Some of the Best Credit Cards in India in 2024

With the number of options, selecting just a single card can be confusing. However, by comparing the best credit cards in India you can know your options, and decide accordingly. 

Credit Card

Annual Fees

Best Suited For 

SBI Card ELITE

₹4,999 + GST

Travel, Entertainment and Shopping 

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 

InterMiles HDFC Signature Credit Card

₹2,500 + GST

Travel 

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

₹1499 + GST

Fuel

Axis Bank Vistara Signature Credit Card

₹3,000 + GST

Travel

Disclaimer: Please note that some of these credit cards are not available on Bajaj Markets. You can apply for these cards directly on the credit card issuer’s app or website. 

Credit cards are available in various categories, such as fuel, shopping, travel etc. Naturally, the credit card you choose should complement your expenses, as this helps you get the most benefit out of it. 

 

Here are some credit cards across different categories. Comparing the features of each can help you decide the one that suits your requirements.

1. SBI Card ELITE

a) Best Suited For: discounts on shopping and airport lounge access

 

b) Annual Fees: ₹4,999+ GST 

 

c) Features and Benefits:

  • Global acceptance across 24 million outlets in the world

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

  • Low forex markup

  • Complimentary credit card fraud liability cover of ₹1 Lakh

2. Axis Bank ACE Credit Card

a) Best Suited For: Unlimited cashback and dining discounts

 

b) Annual Fees: ₹499+ GST (waived off on annual spends of ₹2 Lakhs or more)

 

c) Features and Benefits: 

  • 5% cashback on bill payments, 4% on Swiggy, Zomato and Ola, and 2% on all other purchases 

  • 4 lounge visits complimentary to domestic airport

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

  • Discounts on dining at over 4,000 partner restaurants 

3. Flipkart Axis Bank Credit Card

a) Best Suited For: Unlimited cashback and conversion of purchases to EMI  

 

b) Annual Fees: ₹500+ GST (waived off on annual spends of ₹2 Lakhs or more)

 

c) Features and Benefits: 

  • Welcome benefits worth ₹1,100

  • EMI conversions on purchases exceeding ₹2,500

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

  • 5% cashback on Flipkart and Myntra, 4% on other preferred merchants, and 1.5% on other expenses. 

4. Cashback SBI Card

a) Best Suited For: Cashbacks and spend-based fee reversals 

 

b) Annual Fees: ₹999+ GST (waived off on annual spends of ₹2 Lakhs or more)

 

c) Features and Benefits: 

  • Cashback of 5% on online spends and 1% on offline spends including utility bill payments

  • No joining fee

  • 4 lounge visits complimentary to domestic airport 

  • 1% fuel surcharge waiver at all domestic petrol stations 

5. InterMiles HDFC Signature Credit Card

a) Best Suited For: Travel and lifestyle benefits  

 

b) Annual Fees: ₹2,500+ GST

 

c) Features and Benefits:

  • Extensive and rewarding InterMiles Accrual Programme

  • Savings on flight bookings

  • Flight and hotel discount vouchers 

  • Privileges on Etihad Airways 

6. Amazon Pay ICICI Credit Card

a) Best Suited For: Shopping rewards and cashbacks

 

b) Annual Fees: Nil

 

c) Features and Benefits: 

  • No expiry of the rewards earned

  • Exclusive privileges for customers with ICICI Bank credit cards

  • 3% cashback on any purchase on  Amazon India

  • No cost EMIs with repayment tenures of 3 or 6 months 

7. Standard Chartered EaseMyTrip Credit Card

a) Best Suited For: Travel rewards and benefits

 

b) Annual Fees: ₹350 + GST

 

c) Features and Benefits:

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

  • Discounts on hotel and flight bookings made via EaseMyTrip

  • Complimentary domestic and international airport lounge access 

  • Reward points on various spends

8. HDFC Bank Diners Club Privilege Credit Card

a) Best Suited For: Lifestyle rewards and benefits

 

b) Annual Fees: ₹2500 + GST

 

c) Features and Benefits:

  • Travel benefits across 150+ airline operators and various domestic and international hotels

  • Wellness benefits at leading gyms, salons, spas and wellness retreats 

  • 2% foreign currency markup on all foreign currency expenses 

  • 2X rewards on weekend dining expenses

9. BPCL SBI Card OCTANE

a) Best Suited For: Fuel purchase rewards and valueback benefits=

 

b) Annual Fees: ₹1499 + GST (waived off on annual spends of ₹2 Lakhs or more) 

 

c) Features and Benefits: 

  • 7.25% valueback benefits on purchases at BPCL fuel stations

  • 4 complimentary visits to domestic VISA lounges per calendar year 

  • Fuel surcharge waiver

  • Reward points on eligible spends

10. Axis Bank Vistara Signature Credit Card

a) Best Suited For: Travel rewards and benefits

 

b) Annual Fees: ₹3,000

 

c) Features and Benefits: 

  • Complimentary Club Vistara membership

  • Rewards on milestone spends

  • Insurance benefits in the form of Purchase Protection Cover up to ₹1 Lakh

  • Option to convert purchases over ₹2,500 into EMIs 

Factors to Consider While Choosing the Best Credit Card

Many banks and NBFCs advertise that they have the best credit card in India, but this isn’t always true. Choosing the best credit card simply means picking the one that works for you. To help with that decision, here are a few factors to consider:

1. Rewards Offered 

Different credit cards offer different rewards. You should always choose a card that offers rewards that are actually beneficial for you. For instance, if you wish to reduce your credit card bills, you can consider opting for a cash back credit card. 

2. Credit Card Charges 

Credit card issuers levy various charges such as annual fees, finance charges, cash withdrawal fees and more. The lower these charges are the better. So the next time you choose a credit card, make sure that you opt for one with low fees. 

3. Credit Limits 

When going through the best credit card offers, remember to also take a look at the credit limit offered to you. The higher the limit, the more purchasing power you have. So, if you are a frequent credit card user, getting a card with high credit limits will be a better fit.

FAQs on Credit Cards in India

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

Bajaj Finserv RBL Bank credit card, SBI Card ELITE, and Citi PremierMiles credit card are some of the best credit cards to choose from.

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

The major benefits of reward credit cards are the reward point program and redemption choices. The reward points provide you with the best credit card experience possible. Some of the Best credit cards in India for reward programs are the HSBC Smart Value Credit Card, the Citi Rewards Credit Card and the HDFC Moneyback Credit Card.

Which are the top 5 credit cards in India?

There are many categories and options that can qualify as the best credit cards in India. Some of these are the Bajaj Finance RBL Bank Credit Card, SBI Card ELITE, Citi PremierMiles Credit Card, HDFC Regalia Credit Card, and HSBC Cashback Credit Card.

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

Credit cards with no annual fees are ideal for first-time users. In such cards, income eligibility is also quite lenient.

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

HDFC Regalia Credit Card, Flipkart Axis Bank Credit Card, and Amazon Pay ICICI Credit Card are some of the best credit cards in India for salaried individuals.

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

Flipkart Axis Bank Credit Card, Amazon Pay ICICI Credit Card, HSBC Cashback Credit Card, and Standard Chartered Digismart Credit Card are some of the top credit cards for online shopping.

Which credit card is best in India?

There cannot be one answer when it comes to the question of the best credit card in India. Your needs will play a big role in determining the finest credit card. 

Some of the well-known best credit cards offered include the Yatra SBI Credit Card, Signature Visa Credit Card, and HDFC Regalia Credit Card. Use our credit card selector to filter and locate the best credit cards in accordance with 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. Generally, the best credit card will be one offered to you by your bank.

What is the minimum payment on a credit card?

The minimum payment on a credit card is the minimum amount you must pay in a billing cycle to avoid a late payment. However, the remainder from your statement is carried forward and added to your next bill.

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

In India, there are several credit cards available which do not have an annual charge. Some of these include the Citibank Rewards Credit Card, the HSBC Visa Platinum, and the IndusInd Pioneer Legacy.

Which credit card is most useful in India?

The most useful credit card in India would depend on what your frequent requirements are. Some of the most widely and regularly used credit cards in India include HDFC Regalia, Amazon Pay ICICI, and HDFC Millenia.

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 in the context of travel benefits. Other top credit cards in this category include the Axis Bank Vistara Signature Credit Card and the MakeMyTrip ICICI Bank Credit Card, among others.

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

The best credit cards offer a certain number of complimentary visits to domestic and/or international airport lounges per year or per quarter. As long as you do not exceed this limit, you can access eligible airport lounges without paying any additional fee. If you exceed the limit, you may have to pay some nominal charges to continue enjoying the benefit.

Which bank credit card is mostly used in India?

HDFC Bank, one of the top private sector banks in India, leads in terms of the number of credit cards issued. With over 1.70 Crore active credit cards as of September 2022, HDFC Bank’s credit cards are used the most in India.

 

Which card is most popular in India?

There are many popular credit cards in the country. A few of the best credit cards in India include the HDFC Bank Regalia credit card, SBI Card ELITE, Amazon Pay ICICI Credit Card and Flipkart Axis Bank Credit Card. If you’re planning to apply for a credit card, remember to not just focus on the popularity of cards. Instead, you should ensure that the card’s benefits match your needs.

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, cards such as the SBI Card ELITE, HSBC Cashback Credit Card, HDFC Millennia Credit Card, and others are all very safe.

Is it possible to cancel a credit card?

Yes, it is possible to cancel your credit card. You can do so through the netbanking facility or by visiting your bank’s branch and requesting for the cancellation.

Is it safe to have multiple credit cards?

It is safe to have multiple credit cards, and having more than one can be beneficial, if you use them wisely. However, keep in mind that you will end up paying more in fees to keep your cards active.

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