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Best Credit Card in India

There are a lots of credit cards available in India, and find out which is the best credit card in india. Choosing the right credit card based on your lifestyle requirements will help you reap the maximum benefits from the card. Here is all the information you need about the top 13 credit cards in India based on various categories and parameters. This will help you choose the right credit card that will add more value and savings to your lifestyle.

List of Best Credit Cards in India 2022

Credit CardCategoryBest ForAnnual Fee (INR)
Axis Bank Ace Credit CardCashbackBill, Swiggy, Ola, Zomato, Dining, Lounge499
Amazon Pay ICICI Credit CardShoppingAmazon, Amazon Pay, DiningNIL
Flipkart Axis Bank Credit CardShoppingFlipkart/ Myntra, Swiggy, Uber, Airport Lounge500
SBI Simply Click Credit CardRewardAmazon / Apollo24X7/ BookMyShow / Cleartrip/ Lenskart499
HDFC Millennia Credit CardLifestyleLounges, Amazon, Flipkart, Flight & Hotel1000
HDFC Regalia Credit CardRewardDining, Anniversary2500
SBI ELITE Credit CardLifestyleAirport Lounge, Movie, Club Vistara4,999
AMEX MRCCRewardDining, Gold4500
HDFC Diners Club Black Credit CardLifestyleTravel, Dining1000
Bank of Baroda Eterna Credit CardRewardTravel, Dining2499
Citi Cashback Credit CardCashbackUtility bill, Dining500
Citibank PremierMiles Credit CardTravelMiles, Restaurants3000
HSBC Cashback Credit CardCashbackRestaurants, Airport Lounge, Movies750

13. HSBC Cashback Credit Card

HSBC Cashback Credit Card
HSBC Cashback Credit Card

No Joining fees, Annual fees- ₹750

Apply Now

Cashback

  • Unlimited cashback on all your transactions
  • 1.5% cashback on all online spends
  • 1% on all other spends

Amazon Vouchers

  • 5% discount on spending INR 1,000 or above
  • Maximum discount of INR 250 per card per month
  • Big Basket, Myntra, Ajio vouchers  available upto INR 600

Dining Benefit

  • Up to a 15% discount at over 1,000 restaurants across major cities

Fuel Surcharge Waiver

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

Lounge Access

  • 3 complimentary airport lounge access at domestic and international lounges or 3 meal-vouchers

Milestone Benefit

  • Buy-one-get-one-free movie tickets on Saturdays in BookMyShow
  • 15% instant discount on select products in Lifestyle, Electronics and Luxury Categories in Tata CLiQ

Extra Benefit

  • 50% discount on first transaction on Google Pay
  • You should be between the age of 18 to 65
  • Salaried or self-employed both are eligible
  • Annual income must be at least INR400,000 (salaried & individuals)
  • Must be an Indian resident
  • Available cities are: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune
  • No Joining Fees
  • Annual fees Rs. 750, will be reversed if your total annual spend Rs. 100,000

12. Citibank PremierMiles Credit Card

Citibank PremierMile
Citibank PremierMiles Credit Card

Joining & Annual fees- ₹3000

Apply Now

Earn Cashback

  • Get ₹ 3000 cash back on spends of ₹ 5000 in 60 days of card issuance

Welcome Gift

  • Welcome gift of 10,000 Miles
  • Earn 10,000 Miles on a spend of Rs.1,000 or more, within 60 days of card issuance

Lounge Access

  • Complimentary access to select airport lounges across India

Dining Privileges

  • Up to 20% savings across participating restaurants

Airline Privilege

  • 10 Miles / Rs.100 on airline transactions
  • 4 Miles / Rs.100 on all other spends
  • Air Accident Insurance Cover of up to ₹1 crore

Extra Benefits

  • Lost Card Liability Cover of ₹10 Lakh
  • You should be age of 18
  • Only Salaried person are eligible
  • Minimum Income Rs. 25,000 per month
  • Joining and Renewal Fee Rs. 3000

11. Citi Cashback Credit Card

Citi Cashback Credit Card
Citi Cashback Credit Card

Joining and Annual fees- ₹500

Apply Now

Cashback

    • 5% cashback on purchases movie ticket, telephone and utility bill payments
    • 0.5% cashback on all other spends
    • (Cashback automatically credited to statement in multiples of ₹500)

Dining Privileges

  • Up to 20% savings across participating restaurants

Travel and Lifestyle Services

  • Enjoy up to Rs 1000 instant savings on flights and hotels on Easemytrip
  • You should be age of 18
  • Salaried and Self- Employed both are eligible
  • Minimum Income Rs. 25,000 per month
  • Joining and Renewal Fee Rs. 500

10. Bank of Baroda Eterna Credit Card

Bank of Baroda Eterna
Bank of Baroda Eterna Credit Card

Joining and Annual fees- ₹2499

Apply Now

Reward points

  • 3 reward points for every ₹ 100 spent (1 reward point = ₹ 0.25 p)

Milestone Rewards

  • 10,000 bonus reward points on spending ₹ 50,000 within first 60 days
  • 20,000 bonus reward points on spending ₹ 5,00,000 in a year

Lifestyle Benefit

  • 15 reward points for every ₹ 100 spent on online shopping
  • Buy 1 get 1 free movie ticket at paytm movies

Dining Privileges

  • 15 reward points for every ₹ 100 spent on dining

Travel Benefit

  • 15 reward points for every ₹ 100 spent on Travel and International transaction

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000

Extra Benefits

  • Zero Lost Card Liability
  • You should be age between 21 to 65 years
  • Add-on cardholder should be over 18 years
  • Salaried & Self-employed both are eligible
  • Minimum Income Rs. 12 lakhs per annum
  • Must be resident of India
  • Joining and Renewal Fee Rs. 2499

9. HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card
HDFC Bank Diners Club Black Credit Card

Joining and Annual fees- ₹1000

Apply Now

Reward points

    • 5 Reward Points for every Rs 150 spent
    • Up to 10X Reward Points via SmartBuy

Welcome Benefit

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime by spending 1.5 lakhs within the first 90 days or upon first year

Dining Benefit

    • 2X on weekend dining

Fuel Surcharge Waiver

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

Lounge Access

    • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members

Milestone Benefit

    • 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 1.99% on all your foreign currency spends

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime

  • Complimentary Ola cabs, cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over Rs. 80,000 every month

Insurance/ protection cover

  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalisation: Rs. 50 Lacs
  • Travel Insurance Cover of up to INR 55,000 on baggage delay
  • Credit Liability Cover of up to ₹9 Lakh
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income ₹1.75 Lakhs per month
  • Self-employed gross Income ₹21 Lakhs per annum
  • Joining & Renewal Fees – ₹10,000
  • Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year

8. AMEX Membership Rewards Credit Card

American Express Membership Rewards
AMEX MRCC

Joining fees ₹1000 and Annual fees- ₹4500

Apply Now

Rewards

  • 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above (each calendar month)
  • 5,000 Membership Rewards Points upon First Year Card Renewal
  • 1 Rewards Point for every Rs. 50 spent

Welcome gift

  • 4,000 Bonus Membership Rewards Points is available only in the 1st year on payment of the annual fee and on spending INR 2,000 within 60 days of Card membership

Fuel Surcharge Waiver

  • 0% Convenience fee on fueling up at HPCL

Dining benefits

  • 20% every time you dine at select restaurants

Milestone Privileges

  • 18 and 24 Karat Gold Collection
  • 24,000 MR points / 24 Karat Gold Collection
  • 18,000 MR points / 18 Karat Gold Collection
  • You should be age over 18
  • Salaried or self-employed both are eligible
  • Minimum Income Rs. 6 Lakhs or above, per annum
  • Have to Indian or multinational bank’s savings or current account in India
  • Good credit history
  • Have a current/permanent residential address in India
  • Joining Fee Rs. 1000
  • Renewal Fee Rs. 4,999 (from second year onwards)
  • Annual Membership Renewal fee 100% waived off if total spends in a year Rs.1,50,000 and above
  • 50% annual membership renewal fee will be waived off if total spendsin a year Rs.90,000 to Rs.1,49,999.

7. SBI ELITE Credit Card

SBI ELITE Credit Card
SBI ELITE Credit Card

Joining and Annual fees- ₹4,999

Apply Now

Reward

  • 5X Reward Points on Dining, Departmental stores and Grocery Spends
  • 2 Reward Points per Rs. 100 on all other spends
  • 2 Reward Points on every Rs.100 spent on International transactions

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 500 to Rs. 4,000

Welcome Gift

  • Rs. 5,000 worth welcome gift vouchers

Lounge Access

  • 2 complimentary Domestic Airport Lounge visits every quarter in India
  • 6 complimentary Airport Lounge visits per calendar year, outside India

Milestone Privileges

  • Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs
  • Free Movie Tickets worth Rs. 6,000 every year
  • Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only

Trident Privilege Membership

  • Complimentary Trident Privilege Red Tier membership
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay

Club Vistara Membership

  • Complimentary Club Vistara Silver membership
  • Get 1 complimentary Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights

Forex Markup

  • Lowest Foreign Currency Mark-up Charge of 1.99% on International usage
  • 2 Reward Points on every Rs.100 spent on International transactions
  • You should be between the age of 18 to 70
  • Salaried or self-employed both are eligible
  • Minimum Income Rs. 60,000 per month
  • Joining Fee Rs. 4,999
  • Renewal Fee Rs. 4,999 (from second year onwards)
  • Renewal Fees Reversal, spends Rs. 10 Lakhs in the year

6. HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card

Joining and Annual fees- ₹2500

Apply Now

Reward points

    • 10,000 Reward Points on Rs. 5 lakhs spends
    • 5,000 Reward Points on Rs. 8 lakhs spends in an anniversary year
    • 4 Reward Points on every Rs.150 spent

Dining Benefit

    • Assured flat 25% off at 2000+ premium restaurants
    • 1+1 on buffet at 200+ restaurants
    • Additional 5% off and Zero convenience fee

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400

Lounge Access

    • 12 Complimentary Domestic Lounge Access per calendar year
    • Swipe your Regalia credit card at the lounge to avail the complimentary lounge access

Milestone Benefit

    • Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
    • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 2% on all your foreign currency spends

Insurance/ protection cover

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization: up to Rs. 15 lakhs​​​​​​​
  • Lost Card Liability Cover : Upto Rs 9 lakhs
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income above ₹1 Lakhs per month
  • Self-employed gross Income ₹12 Lakhs per annum
  • Joining & Renewal Fees – ₹2500+ Taxes

  • Renewal fee waived off if you spend more than 3L in the previous year

5. HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

Joining and Annual fees- ₹1000

Apply Now

Earn Cashback

    • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
    • 2.5% CashBack on all online spends (minimum transaction size of ₹2000)
    • 1% CashBack on all offline spends and Wallet reloads (minimum transaction size of ₹100)

Welcome Gift

    • 1000 Cash Points (only on payment of membership fee)
    • 1000 worth gift vouchers on spends of ₹1,00,000 and above (quarter,  first year only)

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400

Lounge Access

    • 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access)

Milestone Benefit

    • Spend ₹30000 & above in the first 90 days and get first year waived off memebership fee

Extra Features

  • Reporting it immediately with in 24-hour HDFC  call centre, you have zero liability on any fraudulent transaction
  • 50 days of interest free period
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person Gross Monthly Income above ₹25,000
  • Self-employed gross Income ₹6.0 Lakhs per annum
  • Joining & Renewal Fees – ₹1000+ Applicable Taxes
  • Spend ₹1,00,000  in a year, before your Credit Card renewal date, get your renewal fee waived off

4. SBI Simply Click Credit Card

SBI Simply Click
SBI Simply Click Credit Card

Joining and Annual fees- ₹499

Apply Now

Reward points

  • 10X rewards on online spends with exclusive partners- Amazon / Apollo24X7/ BookMyShow / Cleartrip / Dineout/ Lenskart / Netmeds
  • 5 rewards per Rs. 100 on other online spends
  • 1 reward point per Rs. 100 spent on other categories

Welcome Benefit

  • welcome e-gift card worth Rs. 500 from Amazon

Milestone Benefits

  • E-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh and Rs. 2 Lakhs each

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3000
  • Available to both Salaried and Self-employed
  • Salaried person gross Income ₹20,00 per month
  • Self-employed gross Income ₹30,000 per month
  • Joining & Renewal Fees – ₹499
  • Spend 1 lakhs or more in the preceding 1 year and get renewal membership fee waived off

3. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card

Joining & Annual fees- ₹500

Apply Now

Earn Cashback

  • 5% cashback on Flipkart and Myntra
  • 4% cashback on prefered partners (Swiggy, Uber, PVR and cure.fit)
  • 1.5% cashback on other categories

Welcome Gift

  • Rs. 1000 worth of joining and activation benefits
  • Rs. 500 worth Flipkart vouchers on your first transaction
  • 15% cashback up to Rs. 500 on your first transaction on Mynta

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations

Airport Lounge Access

  • 4 complimentary lounge visits to selected airport india

Dining Delights

  • Up to 20% off partner restaurants in india
  • You should be between the age of 18 and 70 years
  • Salaried or self-employed both are eligible
  • Salaried person monthly income of Rs. 15,000 or more
  • Self-employed monthly income of Rs. 30,000 or more
  • individual should either be a Resident of India or a Non-Resident Indian
  • Joining and Annual fees Rs. 500
  • Annual fee waived off on annual spends more than Rs. 2 lakhs

2. Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card

No joining and annual fees.

Apply Now

Earn Cashback

  • 5% cashback on your purchases through Amazon for prime users
  • 3% cashback on purchases through Amazon for non-prime users
  • 2% cashback on all transactions using Amazon Pay at partner merchants
  • 1% cashback on all other transactions

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations

Dining Benefits

  • 15% on your dining bill at participating restaurants
  • You should be between the age of 18 and 60 years
  • Salaried or self-employed both are eligible
  • Salaried person monthly income of Rs. 25,000 or more
  • Self-employed monthly income of Rs. 35,000 or more
  • Individuals should have a Cibil Score of 750 or above
  • No Joining and Annual Fees

1. Axis Bank Ace Credit Card

Axis Bank Ace Credit Card
Axis Bank Ace Credit Card

Joining and Annual fees- ₹499

Apply Now

Cashback

  • 5% cashback on all bill payment
  • 4% cashback on Swiggy, Ola and Zomato
  • 2% cashback on all other spends

 

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000

 

Dining Benefit

  • Up to 20% off at 4,000+ participating restaurants

 

Lounge Access

  • 4 complimentary lounge access at domestic airports

 

Extra Benefit

  • Best EMI options
  • You should be between the age of 18 to 70
  • Salaried or self-employed both are eligible
  • Must be an Indian resident
  • Joining Fee Rs. 499
  • (Joining Fee reversed upon spends of Rs. 10,000 within 45 days of card issuance)
  • Annual fees Rs. 499
  • (Annual Fee waived off on annual spends greater than Rs. 2,00,000)

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