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Top 10 Best Credit Cards in India Across All Categories

Finding the best credit card in India that matches your needs and lifestyle perfectly can be a laborious task. Most credit card companies provide various cards, and each card comes with its own set of benefits, associated fees, and charges, and also eligibility conditions. If you are on a hunt for the best credit cards 2021 that suit your requirements, there here is an exhaustive list that promises unparalleled benefits such as discounts on travel, fuel, shopping, rewards, cashback, and more.

Best Entry-Level Credit Cards

Entry-level credit cards are suitable for beginners who want to take advantage of the various benefits offered by the card to manage their expenses. We have listed the best entry-level cards currently offered in the country along with their key features and benefits.

  1. SBI SimplyCLICK Credit Card

This is one of the best credit card in India 2021 for salaried person because of its low annual fees and easy eligibility options. You receive unlimited privileges while using this card.

The card offers 10X Reward Points on online shopping with its exclusive partners such as UrbanClap, Netmeds, Cleartrip, Lenskart, BookMyShow, Amazon, and others. All other spending provide 1.25% back.

If you do most of your shopping online, then you would find this card immensely useful. The only drawback is that the reward redemption avenues are quite limited.

Annual Fee: ₹499

Minimum Income Requirement: ₹20,000/month

Key Features

  • Log-in Gift of ₹500 on joining from Amazon. in

  • Earn 10X rewards on online spending with exclusive partners – Amazon/Netmeds/Lenskart/Cleartrip/BookMyShow/Apollo 24×7

  • Earn 5X rewards on all other online spending

  • E-voucher worth ₹2,000 on annual online spending of ₹2 lakh

  • Enjoy fuel freedom with a 1% fuel surcharge waiver on the transaction carried between ₹500 – ₹3,000

  • Annual fee reversal is offered on spending over ₹1,00,000

  • Contactless technology allows you to simply wave your credit card at a secured reader to complete your transaction

  1. Citibank Cashback Credit Card

Want to receive cash on all your bill spending? Shop online for less by benefitting from exclusive discounts on your Citi Cash Back Credit Card purchases. Enjoy cash rebates, savings, and other benefits all-round the year.

Pay conveniently by tapping and paying at merchant terminals for purchases over ₹2,000 without having to enter your PIN. Receive cashback conveniently and automatically in the form of a statement credit.

The top credit card in India offers exclusive cashback on utility bill payments, movie ticket bookings, and various others spending. Receive cashback directly to your statement and the credits never expire even if unredeemed.

Annual Fee: ₹500

Minimum Income Requirement: ₹3, 00,000 pa

Key Features

  • Tap-and-pay at merchant terminals for purchases up to ₹2,000 without entering the PIN

  • Receive 5 percent cash back on your telephone bills and movie ticket purchases

  • Receive 5 percent cashback on utility bill payments

  • Hassle-free credit redemption in multiples of ₹500

Best eCommerce Credit Cards

India has recently witnessed a massive demand for co-brand credit cards with major eCommerce platforms. They have the best credit card offers India that usually come with a low initial credit limit and fewer bank-run offers which vary from one issuer to another. The major benefit of eCommerce credit cards is that the rewards are in the form of direct cashback and feature no complicated redemption system.

  1. Flipkart Axis Bank Credit Card

If you are a Flipkart loyalist, then you are surely going to benefit by investing in this card! This card is best suited for cashback and promises 1.5 percent flat cashback on all your spending. You will also receive 5 percent cashback on Myntra, Flipkart, and 4 percent over other partner merchants such as Uber, PVR, Swiggy, and Curefit.

Although this card falls under the entry-level category, the set of benefits it offers surpasses the annual fee margin. Also, you get to save on travel, fashion, movies, fitness, and over your other shopping needs.

Annual Fee: ₹500

Minimum Income Requirement: ₹15,000/month

Key Features and benefits

  • Unlimited cashback transactions over partner apps like Myntra, Swiggy, Curefit, Tata Sky, and others

  • 600 welcome benefits right away soon after the card gets issued

  • Offers irresistible benefits

  • A virtual credit card makes your transactions affordable and accessible

  • Receive benefits over dining and lifestyle transactions

  • Complimentary access to domestic airport lounges four times a year

  • Up to 20 percent discount at 4,000+ partner restaurants including Berco’s, TGIF, KFC, etc.

  1. Amazon Pay ICICI Credit Card

If you are an avid shopper on Amazon, then you must own this card as this is one of the best credit cards with zero annual fee. You receive a cashback of 2 percent at over 100 Amazon Pay partner merchants when you select Amazon Pay as your mode of payment. You receive 1 percent cashback over all your other transactions using this card. This is one of the best credit card in India currently available for online shoppers.

Annual Fee: ₹0 (best credit cards with zero annual fee)

Minimum Income Requirement: ₹25,000/month for ICICI bank customers | ₹35,000/month for others

Key Features and benefits

  • Lifetime free credit card

  • 5 percent cashback for Prime customers

  • Exclusive privileges offered to ICICI bank customers

  • 15 percent savings on dining bills over 2,500 restaurants across India

  • Receive 1 percent waiver on fuel surcharge payments

  • Earn 1 percent cash back on all other expenses

Best Premium Credit Cards

Premium credit cards are ideal for individuals who have blended a pinch of luxury factor into their lifestyle. You can find best credit card offers India such as numerous travel benefits like access to domestic and international lounges and better reward rates.

  1. HDFC Regalia Card

HDFC Bank Regalia Credit Card is your gateway to luxury and indulgence. This best credit card premium India is an upgraded version of Regalia First. The users are charged low foreign currency markup fees on international transactions and several other milestone benefits. Most importantly, this card serves as a stepping stone for other super-premium cards offered by the bank.

Annual Fee: ₹2,500+GST (The first year is free)

Minimum Income Requirement: Income greater than ₹ 1 lakh for salaried professionals and ITR greater than ₹ 12 lakhs per annum for self-employed Indian nationals.

Key Features and benefits

  • Exclusive complimentary dine out passport membership

  • 12 airport lounge access in the country and 6 complimentary lounge access outside the country

  • A bonus of 10,000 reward points over spending greater than ₹5 lakhs

  • Earn 4 reward points over every ₹150 you spend

  • Zero lost card liability in case you lose your card and report it immediately to the bank

  • 2% foreign currency markup overall foreign currency you spend

  1. RBL Bank Platinum Maxima Credit Card

RBL Bank Platinum Maxima is the best credit card premium India whose membership is offered at an annual fee of ₹2,000. Earn up to 8,000 reward points after paying the joining fee. You are offered 2 reward points over every ₹100 you spend. A bonus of 10,000 reward points is offered on spending over ₹3.5 lakh or more in a year.

Annual Fee: ₹2,000

Minimum Income Requirement: Income greater than ₹ 25,000 per month

Key Features and benefits

  • 8,000 reward points offered on paying to join fees

  • Earn 5x reward points on fuel, dining, entertainment, utility, and international spends

  • Purchases worth ₹100 to earn 2 reward points

  • Receive 10,000 reward points on spending over ₹2 lakhs in a year

  • Earn 10 reward points for every ₹100 you spend when you swipe your card for entertainment, dining, over international purchases and will pay off your bills

  • Receive one complimentary movie ticket free for up to ₹200 every month when you purchase 2 or more tickets via BookMyShow

  • Show your credit card to get 2 complimentary visits every quarter at domestic lounges at all the major airports in India

Best Travel Credit Cards

If you are a frequent traveller, then there are exclusive travel credit cards you can benefit from. Travel credit cards help you receive points or vouchers which help you save a lot of money while traveling.

  1. Citi PremierMiles Credit Card

This card is suitable for frequent travellers who wish to take advantage of air mile benefits. The best thing is that you can redeem the points earned across several airlines. Moreover, the earned miles never expire so you can earn thousands of miles and redeem them whenever you want. You receive 10,000 miles upfront as a welcome benefit.

Annual Fee: ₹3,000

Minimum Income Requirement: Income greater than ₹ 25,000 per month

Key Features and benefits

  • Use anywhere and earn quickly

  • Earn 10 miles on every ₹100 you spend on airline transactions

  • The air miles never expire

  • You receive 8 complimentary lounge visits per quarter

  • Receive air accident cover of up to ₹1 crore

  • 20 percent savings on dining at partner restaurants of Citibank

  1. Axis Bank Vistara Signature Credit Card

This best credit cards 2021 is also ideal for frequent travellers who prefer traveling via Vistara airlines. You receive 2 percent club Vistara points which can be used for free flights and upgrades. The more you spend, the more benefits you are going to enjoy. You can also enjoy Club Vistara Silver membership, discounted golf access, and travel insurance protection with this card.

Annual Fee: ₹3,000

Minimum Income Requirement: An income of a minimum of ₹6 lakh per annum

Key Features and benefits

  • 1 complimentary premium economy ticket as a welcome benefit

  • Lost card liability cover offered for up to 100 percent credit limit

  • Bonus CV points and up to 4 complimentary premium economy ticket

  • Rewards can be redeemed for booking flights and upgrades

  • 4 club Vistara points for every ₹200 you spend on the card

  • 1 complimentary premium economy ticket is offered as a welcome benefit

Best Super Premium Credit Cards

These cards promise higher reward rates and higher credit limits to the users. You also receive unlimited lounge access and better card-linked benefits which you need for running your premium lifestyle with much ease.

  1. HDFC Infinia Credit Card

This is one of the most popular and best credit card premium India that promises incredible rewards. Its 10x reward program with select merchants makes it one of the most rewarding credit cards in India. You receive accelerated returns on your spending.

Annual Fee: No income criteria

Minimum Income Requirement: An income of a minimum of ₹6 lakh per annum

Key Features and benefits

  • Receive free membership of Club Marriot as a welcome bonus

  • A discount of up to 20 percent on dining and staying across Asia-Pacific

  • Receive 15 percent off for up to 10 guests at select hotels

  • Unlimited access to airport lounges in and outside India

  • Foreign markup fees of 2 percent on transactions involving foreign currencies

  • Enjoy unlimited free golf games at premium courses all over the world

  • Receive 5 reward points on every ₹150 you spend

  • Insurance cover of ₹3 crores in case of death in an air accident

  • Credit liability cover offered for up to ₹9 lacs

  1. Citi Prestige Credit Card

This credit card offers a welcome benefit of up to ₹2,500 reward points along with additional benefits from ITC and Taj group of hotels every year. Discover exceptional services and rewards while using this super-premium card.

Annual Fee: ₹20,000+GST

Minimum Income Requirement: An income of a minimum of ₹25 lakh per annum

Key Features and benefits

  • 1 reward point is offered over every ₹100 you spend online

  • 2 reward points offered over ₹200 you spend internationally

  • Complimentary night stay offered at any resort or hotel on booking a minimum four-night stay

  • Privileged golf rounds and services at select golf courses in India

  • Priority pass lounge access offered

  • Reward points do not expire

  • Overseas medical insurance cover US $ 50,000