Credit card companies

At present, all the banks offer a variety of offers on their credit cards, so it has become difficult to choose the best credit card for you. Which would be the best credit card, so here is a list of 10 best credit cards in India, which can help you choose the best credit card?

Top 10 Credit Card Annual Fees Typically Required Minimum Income
(Axis Bank Ace Credit Card) Rs.499  for cash back Will be informed by the bank at the time of applying
(Amazon Pay ICICI Credit Card) 0 For online shopping and cash back Will be informed by the bank at the time of applying
(HDFC Regalia Credit Card) Rs.2500 for travel and shopping Rs. 70,000 per month
(BPCL SBI Card Octane) Rs.1499 For fuel Will be informed by the bank at the time of applying
(SBI Simplyclick Credit Card) Rs.499 for reward Rs.20,000 per month
(SBI Primiermiles Credit Card) Rs.3000 for air miles Rs.25,000 per month
(SBI Card Elite) Rs.4999 for travel and movies Rs.60,000 per month
(Yes First Preferred Credit Card) Rs.2499 For shopping and traveling Rs.1,50,000 per month
(HSBC Cashback Credit Card) Rs.750 For online shopping Rs.33,333 per month
(Standard Chartered Super Value Titanium Credit Card) Rs.750 For shopping & fuel Rs. 55,000 per month

Axis Bank Ace Credit Card

Axis Bank Ace Credit Card is one of the best cashback credit cards in India as it offers 2% cashback on all spends. If you are not sure about the categories where you spend the most, then this cashback credit card will be the right choice for you. Following are the features of Axis Ace Credit Card

  • 5% cashback on bill payments and mobile recharge through Google Pay
  • 4% cashback on Swiggy, Zomato and Ola
  • 2% cashback on all other expenses
  • 400 4000 to Rs. Rupee. 1% fuel surcharge waiver (maximum Rs.500 in a month) on transactions between

Amazon Pay ICICI Bank Credit Card

If you shop frequently on Amazon then Amazon Pay ICICI Credit Card is specially made for you. Through this, you get huge discounts on purchases and also get cashback. Apart from Amazon purchases, you additionally get cashback on different expenses. The best thing about this credit card is that you get all these benefits free of cost as there is no fee or renewal fee involved in this card. More details of this credit card are given below:

  • 5% cashback on all purchases on Amazon for Amazon Prime customers in addition to existing offers
  • 3% cashback on all purchases for non-prime customers
  • 2% cashback on Amazon partner and gift card purchases
  • 2% reward points on recharges, bill payments etc.
  • 1% cashback on all other purchases
  • 1% fuel surcharge waived off at all petrol pumps across India
  • 1 reward point = 1 Rs.

HDFC Regalia Credit Card

If you are looking for a credit card that offers something for every expense, then HDFC Regalia should be your first choice. It offers catering discounts, travel offers, rewards programs and more protection. Let us know more about this card below:

  • 75,000 in the first 3 months of the credit card issuance. Get Zomato Gold membership for one year on spend
  • Get 2,500 reward points every year on payment of joining fee and renewal fee
  • Get 12 domestic airport lounge access per calendar year
  • Access to 12 international lounges per year for self and add-on member, under Priority Pass membership which can be activated on 4 retail transactions
  • 24×7 travel concierge service for booking, travel, late night delivery etc.
  • Priority dining at top restaurants across the country under the Good Food Trail Food Program
  • 150 off all retail expenses. Get 4 reward points on spends including utility bills, insurance, education, rent and more
  • 5 lakh by card. 10,000 reward points on spending and Rs.8 lakh. Additional 5,000 points on spending
  • 400 at all petrol pumps in the country. 5,000 to Rs. 1% fuel surcharge waived on all transactions between
  • Discounts on flight and hotel bookings, vouchers, gifts, etc. with up to 70% off on flight and hotel ticket fares
  • In case of death during air travel, Rs. 1 crore. insurance of
  • 15 lakhs for any medical emergency while traveling outside your country. medical insurance of

SBI BPCL Octane Credit Card

If you are concerned about the rising fuel cost and are looking for ways to save from it, then you should consider the BPLC SBI Ocatane Credit Card. It is one of the best credit cards for fuel and features in the list of top 10 credit cards in the year 2021. Following are some of its major benefits:

  • Get 7.25% cashback. 25x reward points on buying fuel from BPCL petrol pumps
  • 100 each spent on BPCL Fuel and Bharat Gas website and application. 25 reward points on
  • Every Rs.100 spent on groceries, departmental store, movie tickets, and dining. on 10 reward points
  • Up to 2500 Reward Points can be accumulated per billing cycle
  • 1500 Rs. Get 6000 Bonus Reward Points on Payment of Joining Fee
  • 3 lakhs Rs. 2000 at select merchants with a minimum annual spend of Rs. can get e-voucher of

Simply Click SBI Card

If you are looking to make the most out of your online spending, the Simply Click SBI Card is one of the best cards that you can opt for. It gives you 10X reward points along with discounts on your online spends, making it best suited for high shoppers.

  • 500 as welcome benefit. get a voucher of
  • For every Rs.100 spent on the card. get 1 reward point
  • Receive 5X rewards on all online spends and 10X rewards for online spending with other SBI Card partners
  • 500 3,000 to Rs. Enjoy 1% fuel surcharge discount on fuel transactions of up to Rs.100 off.
  • 1 lakh in a year. spend and get Rs.499. get back annual fees

Citi Premier Miles Credit Card

Those who can pay the credit card’s annual fee to get air miles on every spend and other travel benefits can apply for a Citi Premier Credit Card for lounge access, discounts and other benefits. Which is one of the top travel credit cards.

  • 1,000 within 60 days of card issuance. or more you will get 10,000 Bonus Miles
  • For every Rs.100 spent in all categories. earn 4 miles for
  • For every Rs.100 spent on a transaction made with any airline in the world. get 10 miles on
  • The air miles you get will never expire
  • Right to lounge access at airports in India and around the world

SBI Card Elite

SBI Card Elite is a lifestyle credit card that offers exclusive shopping vouchers from some premium brands as a welcome gift. It also offers movie tickets, reward points, lounge access rights, club Vistara membership and more. Some of the benefits of this top credit card for the year 2020 are as follows:

  • 5,000 off Travel, Bata/Hush Puppies, Pantaloons, Shoppers Stop and Marks & Spencer. Get Welcome E-Gift Vouchers worth Rs.
  • 250 per month. 6,000 in a year in the form of vouchers. get free movie tickets of
  • 3 lakhs Rs. and Rs 4 lakh. Get 10,000 bonus reward points on an annual spend of Rs.
  • 100 on all categories except fuel. Get 2 reward points when you spend
  • Increase your reward points by 5x when you shop at retail, food and departmental stores with a credit card
  • Priority Pass membership Get access to over 1,000 airport lounges worldwide
  • Get 6 international airport lounge access per year, up to 2 times per quarter (in three months) and 2 domestic lounge access
  • Enjoy Club Vistara Membership

Yes First Preferred Credit Card

Yes First Preferred Credit Card is a premium card suited to the needs of frequent travel and shopping spenders. The card also offers attractive rewards with every purchase that can be later redeemed to receive vouchers, merchandise or Intermiles. Following are some of the key features of this credit card:

  • 10,000 Welcome Reward Points for making the first purchase within 90 days of card activation
  • Avail renewal benefits of 7,500 reward points every year on payment of renewal fees
  • 200 in all categories. 8 reward points on spend
  • 2X Reward Points on Travel Agencies & Tour Operators, Domestic Airlines & Meals
  • Redeem Reward Points for purchasing a product from an exclusive catalog or booking flight/hotel/movie tickets from the YES BANK website (1 Reward Point = Rs.0.25)
  • Receive exclusive golf benefits under the MasterCard World Golf Program; Receive 3 green fee waivers on select golf courses and 1 visit per month
  • Enjoy Priority Pass membership with 4 free trips a year
  • Concierge service and automobile assistance through YES ASSIST
  • Enjoy Foreign Currency Markup Fee @ 1.75% only
  • Enjoy 25% off movie tickets booked through Book My Show
  • Get insurance cover including life insurance, medical insurance and credit shield cover

HSBC Cash back Credit Card

If you are a shopping enthusiast and have always loved to shop, then you should get a shopping credit card that either offers discounts or offers cashback. HSBC Cashback Credit Card is one such card that offers cashback on all your purchases. Let’s take a look at some of the features of this credit card:

  • 2 domestic or international airport lounge admissions or 2 airport meal vouchers Rs.400. 250 as welcome benefit and Rs. get swiggy vouchers
  • 5% cashback on all online except wallet transactions
  • 1% cashback on all other expenses
  • Cashback is also applicable on EMI (Equated Monthly Installments)
  • Up to 15% off on dining at partner restaurants
  • Option to pay in EMIs on balance transfer, cash-on-EMI, loan-on-phone, etc.
  • Card’s partner app provides offers on Big Basket, Amazon Pantry, MakeMyTrip etc. from time to time
  • Zero Lost Card Liability, Emergency Card Replacement, Worldwide Card Acceptance, Cash Advance etc.

By Manish

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