There are almost 250 credit cards variety available in India but when it comes to choosing the best credit card in India, people usually take what’s offered by the bank. Moreover, it is important to choose a credit card according to spending patterns and lifestyle requirements. It can give rewards, cashback, discounts, and many more.
Below are the top 15 best credit cards in India are listed with their benefits and features.
1. HDFC Regalia Credit Card
Annual Fee: Rs. 2,500 Minimum Income Required: Rs. 90,000 per month
Benefits
1-year Zomato Gold Membership.
4 Reward Points per Rs. 150 spent.
Priority Pass Membership.
Features
Simple rewards and easy redemption.
Multiple options to save on travel.
Benefits across different categories.
2. American Express Membership Rewards Credit Card
Annual Fee: Rs. 1,000 Minimum Income Required: Rs. 40,000 per month
Benefits
1 Year Membership Reward Points.
Claim rewards against 24K & 18K Gold.
Up to 20% discount at partner restaurants.
Advantage
Best rewards programs in the market.
Opportunities to earn bonus rewards.
Save up to Rs. 17,200 on Spend of Rs. 4 lakh.
SBI Card PRIME
Annual Fee: Rs. 2,999 Minimum Income Required: Rs. 32,000 per month
Benefits
10 Reward Points per Rs. 100.
Club Vistara Silver Membership.
8 domestic lounge visits and 4 international lounge visits in a year.
Advantage
Great reward earnings.
Benefits of a premium card.
Huge savings to cover the annual fee of the card.
4. Standard Chartered Manhattan Platinum Credit Card
Annual Fee: Rs. 999 Minimum Income Required: Rs. 90,000 per month
Benefits
5% cashback at Supermarket spends.
10% cashback on Ola Rides.
25% off on movie tickets and 10% off on some Cinemas.
Advantage
Great cashback for a low annual fee.
Ongoing offers on many leading brands.
Good choice for movie lovers.
5. Citi Cashback Credit Card
Annual Fee: Rs. 500 Minimum Income Required: Rs. 25,000 per month
Benefits
5% cashback on movies.
0.5% cash back across all other categories.
Cashback instantly credited of Rs. 500.
Advantage
The best cashback rate in the market.
Earning & Claim rewards and direct credit.
Great credit card for regular usage.
American Express Platinum Travel Credit Card
Annual Fee: Rs. 5,000 Minimum Income Required: Rs. 50,000 per month
Benefits
Welcome gift of 5,000 MR Points redeemable.
4 free visits to 11 airport lounges in a year.
Travel benefits worth Rs. 9,440 in a year.
Advantage
Unbeatable travel-centric privileges.
Gives bonus MR points.
Save up to Rs. 39,192 on Annual Spend of Rs. 4 Lakh*.
Citi PremierMiles Credit Card
Annual Fee: Rs. 3,000 Minimum Income Required: Rs. 25,000 per month
Benefits
10 Miles per Rs. 100 spent on the PremierMiles website.
4 Miles per Rs. 100 on all spends.
8 Miles for Rs.100 spent at Amazon India, Flipkart, and Myntra.
3,000 miles are credited upon renewal every year.
Air Mile claim across 100+ airline and hotel partners.
8 complimentary lounge access under Visa variant.
6 free visits per quarter under the Mastercard variant.
Advantage
Best air miles credit cards in India.
Flexibility in terms of air mile usage.
Saving of Rs. 10,644 on spending Rs. 2 Lakh in a year.
Axis Bank Vistara Signature Credit Card
Annual Fee: Rs. 3,000 Minimum Income Required: Rs. 1,00,000 per month
Benefits
Free Premium Economy Ticket.
Club Vistara Silver Membership.
Complimentary lounge visit at some Indian airport.
Golf advantage.
Advantage
Best credit card for loyal customers.
No other credit card gives free air tickets.
Comprehensive travel perks.
Standard Chartered Emirates World Credit Card
Annual Fee: Rs. 3,000 Minimum Income Required: Rs. 1,00,000 per month
Benefits
6 Skyward Miles for every Rs. 150 spent.
5% cashback on duty-free shopping.
Lounge access of Priority Pass Program and Mastercard Lounge Program.
Advantage
A credit card in India co-branded with Emirates Airlines.
Travel privileges- airlines, insurance, lounge access, etc.
Perks of a premium credit card.
Air India SBI Signature Credit Card
Annual Fee: Rs. 4,999 Minimum Income Required: Rs. 60,000 per month
Benefits
Air India Flyer Program- Flying Returns Membership.
4 Rewards for every Rs. 100 spent.
Lounge access of Priority Pass Membership.
Advantage
Co-branded benefits with Air India.
Flexible reward redemption with an option to convert into Air India Miles.
HDFC MoneyBack Credit Card
Annual Fee: Rs. 500 Minimum Income Required: Rs. 13,500 per month
Benefits
2 reward points per Rs. 150 spent.
4 reward points per Rs. 150 on online shopping.
Convert accumulated rewards into statement credit.
Advantage
Best credit card for first-time users.
Reward redemption and cashback conversion.
Accomplish the needs of online shoppers.
SBI SimplyCLICK Credit Card
Annual Fee: Rs. 499 Minimum Income Required: Rs. 20,000 per month
Benefits
5X rewards on online shopping.
10X rewards on online shopping with exclusive partners.
1% fuel surcharge waiver for transactions of Rs. 500 to Rs. 3,000.
Advantage
Best for those who shop online.
Rewards and easy redemption.
Save up to Rs.14541 on an annual spend of Rs. 4 lakh.
HSBC Visa Platinum Credit Card
Annual Fee: Nil Minimum Income Required: Rs. 40,000 per month
Benefits
Introductory benefits of up to Rs. 4,250.
2 reward points per Rs. 150 spent across all others.
BookMyShow voucher worth Rs. 500 on spending Rs. 50,000 in a month.
Advantage
Ongoing offers across multiple brands.
Flexibility to convert reward points into air miles of Singapore Airlines and Jet Privilege.
American Express SmartEarnTM Credit Card
Annual Fee: Rs. 495 Minimum Income Required: Rs. 37,500 per month
Benefits
5X rewards on exclusive partners
10X rewards on Uber and Flipkart
1 MR Point per Rs. 50 for all other categories
Rs. 500 cashback as welcome gift
Advantage
A low-fee variant of American Express credit cards
Co-branded with leading websites for huge rewards
ICICI Platinum Chip Visa Credit Card
Annual Fee: Rs. 99 Minimum Income Required: Rs. 15,000 per month
Benefits
15% discount at partner restaurants.
2 PAYBACK points per Rs. 100 for spends.
1% fuel surcharge waiver at HPCL pumps for transactions worth Rs. 4,000 or more.
Advantage
Best for first-time users
Card with benefits and easy rewards redemption.
Reward Value of Rs. 12,263 on annual spends of Rs. 4 Lakh.
