Banking

Top 10 Best Credit Cards in India

Posted By: Admin
November 9, 2023 |

Latest News On Top 10 Best Credit Cards in India

Best Credit Cards: In today’s fast-paced world, credit cards have become an integral part of our financial lives. These plastic wonders not only provide us with the convenience of cashless transactions but also offer a range of benefits and rewards. Whether you’re looking for cashback, travel perks, or exclusive privileges, there’s a credit card in India that suits your needs.

In this guide, we’ve compiled a list of the top 10 best credit cards in India, taking into account factors like rewards, annual fees, interest rates, and exclusive benefits. Let’s dive in and explore your options for achieving financial freedom.

1. HDFC Bank Regalia Credit Card, Best Credit Cards

The HDFC Bank Regalia Credit Card is a favorite among frequent travelers. With generous rewards on dining, travel, and shopping, this card is perfect for those who want to earn points for their spending. It also offers access to airport lounges and various lifestyle privileges.

Apply HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card Eligibility:

1. For Salaried Indian national

Age: Min 21 years & Max 60 Years
Net Monthly Income > Rs 1 Lakh

2. For Self Employed Indian national

Age: Min 21 years & Max 65 Years
ITR > Rs 12 Lakhs per annum

HDFC Bank Regalia Credit Card Fee and Charges

Joining/ Renewal Membership Fee – Rs. 2500/- + Applicable Taxes.

Latest News HDFC Credit Card, HDFC Regalia Credit Card

Starting 1st December, 2023, the lounge access program for Regalia Credit Card will be based on the cardholder’s spending. Cardholders who spend ₹1 lakh or more in a calendar quarter can avail of up to two complimentary lounge access vouchers as part of the quarterly milestone benefit.

2. SBI Card ELITE

SBI Card ELITE is designed for those who love luxury and the finer things in life. This card provides substantial rewards on dining, travel, and shopping, and it even grants access to exclusive airport lounges. Cardholders can also enjoy an annual membership to Club Vistara and complimentary golf games.

Apply SBI Credit Card ELITE

SBI ELITE Credit Card Eligibility:

Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	Rs. 60,000 per month
Minimum Income for Self-employed Applicants	Rs. 60,000 per month

SBI Card ELITE – Features, Benefits, Annual Fees Charges

Annual Fee (one time)	Rs. 4,999
Renewal Fee (per annum)	Rs. 4,999
Finance Charges	up to 3.50% per month [42% per annum]
Late Payment Fee*	NIL for Total Amount due from Rs.0-Rs.500; Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Total Amount due greater than Rs. 10.000 & up to Rs. 25,000 Rs. 1,100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000 Rs. 1,300 for Total Amount due greater than Rs. 50,000

* terms and conditions of SBI applicable

Latest News SBI ELITE Credit Card, SBI Credit Card

SBI Card has reduced 10X Reward Points on Lenskart Online Purchases with the SimplyCLICK SBI Card and SimplyCLICK Advantage Beginning to 5X reward points from April 1, 2023. However, your card will still earn 10X Reward Points for purchases made online at Apollo 24X7, BookMyShow, Cleartrip, EazyDiner, and Netmeds.

Processing Fee per transaction for all SBI Credit Card transactions for Rent Payment was increased to Rs. 199 + applicable taxes on March 17, 2023 from Rs. 99 + applicable taxes.

3. American Express Platinum Travel Credit Card, Best Travel Credit Card

The American Express Platinum Travel Credit Card is tailored for jet-setters. Earn points on travel bookings and get exclusive access to airport lounges. The card also offers complimentary insurance and dining benefits.

Apply American Express Platinum Travel Credit Card

American Express Platinum Travel Credit Card Eligibility:

Good credit history and no payment defaults
A personal annual income of Rs. 6 Lacs or above (for both Salaried, Self Employed)
Have an Indian or multinational bank’s savings or current account in India
18 years of age

American Express Platinum Travel Credit Card – Features, Benefits, Annual Fees Charges

Spend Rs. 1.90 Lacs in a Card membership year and get Flipkart voucher or Travel benefits on ATO worth Rs. 4,500. Effective from 22nd January, 2021.
Spend Rs. 4 Lacs in a Card membership year and additionally get Flipkart voucher or Travel benefits on ATO worth Rs. 7,500. Effective from 22nd January, 2021.
Enjoy 8 complimentary visits per year (limited to two complimentary visit per quarter) to airport lounges across India.
Get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels.
Annual Fee: First year fee: Rs. 3,500 plus applicable taxes. Second year onwards: Rs. 5,000 plus applicable taxes

Open Free UpStox Demat account/ Trading Account
Open Free Sharekhan Demat Account / Trading Account

4. Standard Chartered Super Value Titanium Credit Card

If you’re a cashback enthusiast, the Standard Chartered Super Value Titanium Credit Card is an excellent choice. Enjoy cashback on fuel, utility bills, and dining expenses. This card is perfect for those who want to maximize their savings.

Apply Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value Titanium Credit Card Eligibility:

Age
- Applicant’s age should be between 21 and 65 years.
- Minimum age for add-on cardholder is 18 years.

Monthly Income
- Applicants should have a stable monthly income.
- Minimum monthly income of INR 55,000 is required.

Other Requirements
- Applicants should belong to credit card sourcing cities/locations of the Bank.
- All applications are subject to credit and other policy checks of the Bank.

Standard Chartered Super Value Titanium Credit Card – Features, Benefits, Annual Fees Charges

5% cashback on fuel
5% cashback on phone bills
5% cashback on utility bills
For every INR 150 you spend on all other expenses using your credit card, you earn 1 reward point. Redeem reward points to indulge yourself with vouchers, discounts and other incredible offers from our catalogue.

Annual Fees Of Standard Chartered Super Value Titanium Credit Card: First year annual fee – INR 750, Renewal fee from second year – INR 750

5. ICICI Bank Amazon Pay Credit Card, Best Amazon Credit Card

For online shoppers, the ICICI Bank Amazon Pay Credit Card is a dream come true. It offers substantial rewards on Amazon purchases and various other benefits, making it an excellent choice for e-commerce enthusiasts.

Apply ICICI Bank Amazon Pay Credit Card

ICICI Bank Amazon Pay Credit Card Eligibility:

Age	18 to 60 years
Occupation	Offered to both Salaried and Self-employed Applicants
Minimum Income Required	Rs. 25,000 for ICICI Customers Rs. 35,000 for other applicants

ICICI Bank Amazon Pay Credit Card – Features, Benefits, Annual Fees Charges

No annual fee or joining fee.
No cap on the reward points earned on the card.
No expiry date for the reward points earned on the card.
Reward points can be redeemed at more than 100 Amazon Pay partner merchants and Amazon.in.

Annual Fees Of ICICI Bank Amazon Pay Credit Card: The Amazon Pay ICICI Bank Credit Card is a lifetime free credit-card with no joining fees or renewal fees. The card earnings mechanism is designed so as to provide earnings for every purchase, both on and off Amazon.in, in the form of Amazon Pay balance under the Gift and Credits section.

6. Citi Cashback Credit Card, Citi Bank Best Credit Cards

The Citi Cashback Credit Card is another great option for cashback lovers. Earn cashback on dining, utility bills, and more. This card also provides exclusive dining and shopping offers.

Apply Citi Cashback Credit Card

Citi Cashback Credit Card Eligibility:

The applicant should be of an age between 23 years to 60 years. The applicant should be either salaried or self-employed and have a decent credit score.

Citi Cashback Credit Card – Features, Benefits, Annual Fees Charges

Earn 1.6% cash back on your spend all year round
Earn unlimited cash back with no spend requirements.
Earn 0.4% Bonus Cash Back on your spend if you are a Citi Plus customer who is the Primary Account Holder of a Citi Interest Booster Account.
Enjoy the convenience of redeeming your cash back for cash rebate via SMS

Annual Fees Of Citi Cashback Credit Card:

The Citi Cash Back card comes to you at an annual card fee of ₹500.
Finance Charges: The interest rate on the Citi Credit Card will be 3.75% per month (i.e. 45.00% annualized).

7. HDFC Bank Diners Club Black Credit Card, another HDFC best credit cards

The HDFC Bank Diners Club Black Credit Card is a premium card that offers unmatched privileges. With rewards on dining and travel, access to airport lounges, and premium concierge services, this card is perfect for those who seek luxury.

Apply HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card Eligibility:

For Salaried Indian national
- Age Min 21 yrs & Max 60 yrs
- Income: Net Monthly Income > Rs 1.75 Lakhs per month

For Self Employed Indian national
- Age: Min 21 yrs & Max 65 yrs
- Income: ITR > Rs 21 Lakhs per annum for self-employed customers

HDFC Bank Diners Club Black Credit Card Features, Benefits, Annual Fees Charges

Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK
Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
5 Reward Points for every Rs 150 spent
Up to 10X Reward Points via SmartBuy and 2X on weekend dining
Complimentary Golf games across the finest courses in the world ( 6 per quarter)
Annual Fee: Joining/Renewal Membership Fee – Rs. 10,000/- plus Applicable Taxes

8. Axis Bank Flipkart Credit Card, Best Axis Bank Shopping Credit Card

For avid shoppers on Flipkart, the Axis Bank Flipkart Credit Card is a fantastic choice. Earn rewards on Flipkart purchases and enjoy exclusive discounts and offers on the platform.

Apply Axis Bank Flipkart Credit Card

Axis Bank Flipkart Credit Card Eligibility:

Primary cardholder should be between the age of 18 and 70 years
The individual should either be a Resident of India or a Non-Resident Indian
Please note that these criteria are only indicative and the bank reserves the ultimate right to approve or decline applications for Flipkart Axis Bank Credit Card.

Axis Bank Flipkart Credit Card Features, Benefits, Annual Fees Charges

5% Unlimited cashback for spends on Flipkart*, Myntra** platforms.
4% Unlimited cashback for spends on preferred merchants (Swiggy, Uber, PVR, Curefit, Cleartrip, Tata Sky, Tata 1MG)
1.5% Unlimited cashback for spends on all other merchants.
Axis Bank Flipkart Credit Card Fees & Charges: 2.5% of the over limit amount (Min Rs. 500) · 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1500.

9. Kotak PVR Gold Credit Card, best credit cards in the category

If you’re a movie buff, the Kotak PVR Gold Credit Card is designed for you. It offers complimentary movie tickets, dining discounts, and cashback on PVR transactions, making it a cinephile’s delight.

Apply Kotak PVR Gold Credit Card

Kotak PVR Gold Credit Card Eligibility:

Primary Credit Card holders should be in the age bracket of 18 years to 65 years. Add-on Card holder should be 18 years and above.
Location – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune.
Should be a resident of India.

Kotak PVR Gold Credit Card Features, Benefits, Annual Fees Charges

SWIPING WAS NEVER THIS ENTERTAINING!
- Get 1 free PVR movie ticket* every month when you spend ₹ 10,000 and above in a monthly billing cycle
- Get 2 free PVR movie tickets* every month when you spend ₹ 15,000 and above in a monthly billing cycle
- Shop Anywhere in India using your PVR Kotak Credit Card to get your free PVR movie tickets. Available for ANY TIME , ANY DAY , ANY SHOW
THE MOST APPETISING DEALS!!
- Get 15%^# Cashback on Food and Beverages at PVR
- Get 5%^#Cashback on Movie tickets at PVR Box Office
- No Joining Fee for the first year!

Kotak PVR Gold Credit Card Annual Fees & Charges

Joining fee	Nil
Annual fee	Rs.499
Interest on pending dues on the card	3.50%
Cash advance per Rs.10,000 or part thereof	Rs.300
Fees for add-on card	Rs.299/each card
Minimum Amount Due (MAD)	5% or 10% (depends on the total amount due)
Card-related transaction/ Transfer of funds for every Rs.10,000	Rs.300
Charges for payments after the due date	For less than or equal to Rs.500 = Rs.100For Rs.500-Rs.10,000 = Rs.500For > Rs.10,000 = Rs.700

10. IndusInd Bank Platinum Credit Card: One of the best credit cards

The IndusInd Bank Platinum Credit Card offers a wide range of privileges, including dining, shopping, and travel benefits. It’s an all-rounder card suitable for various lifestyles.

Apply IndusInd Bank Platinum Credit Card

IndusInd Bank Platinum Credit Card Eligibility:

Age	Minimum: 21 years Maximum: 60 years
Income	At least Rs. 20,000
Occupation	Salaried and Self-employed
Documentation	Aadhaar Card, PAN card, etc. (requirements may vary as per the bank’s internal policies)

Open Free UpStox Demat account/ Trading Account
Open Free Sharekhan Demat Account / Trading Account

IndusInd Bank Platinum Credit Card Features, Benefits, Annual Fees Charges

Contactless technology. You can seamlessly make transactions with the Platinum Aura Edge Credit Card’s contactless payment technology.
Fuel surcharge waiver.
Reward points.
Interest-free credit period.
Lifetime-free credit card.

When choosing a credit card in India, it’s essential to consider your spending habits and lifestyle. The best card for you depends on your preferences, whether you prioritize travel rewards, cashback, or specific shopping platforms.

Remember that while credit cards offer numerous benefits, they also come with responsibilities. Pay your bills on time, manage your credit utilization, and use your card wisely to make the most of the financial freedom they can provide.

In conclusion, these top 10 credit cards in India cater to different needs and preferences. Select the one that aligns with your lifestyle and financial goals, and you’ll be well on your way to unlocking financial freedom and enjoying the perks that come with it.

Read Category-wise posts

Tags: