Best Credit Cards in India

Looking for Best Credit Cards in India and Best credit card offers? You have landed on the right page that will surely help you decide amongst the various Credit cards in India and choose the best for yourself.

Why Choose the best credit cards in India?

India is heading towards a cashless economy or we should say a Digital economy where we are using various mode of digital transaction like Wallets, UPI based payment mode, Debit card, Credit card etc. From these various modes of digital transactions the most popular mode is Credit Card. Through Credit card you can borrow money instantly at the point of sale from your card provider to pay for purchases. The total borrowed amount has to be paid by the cardholder at the end of the billing cycle (it is generally a month long). Credit card payment is one of the most convenient and beneficial ways to pay for products. Unlike cash, credit card can be used to make online payments as well. Apart from allowing people to borrow money, these cards offer various rewards and benefits such as discounts, cashback, lounge access and memberships among many others. We provided below the best Credit Card offers in India to choose from and you can avail exciting discounts, cashback etc. from thousands of online shopping, online food, Flight & hotel booking and recharge sites in India.

We all love using credit cards, especially after the Demonetization drive, an increasing trend has been seen in the no. of credit card payments. It is very important to choose the right credit card or else you might end up losing on a lot of benefits. You must opt for a card after comparing it with the different cards offered in the market. There are many banks in India that offer various types of credit cards. The cards are categorized on the basis of the benefits they offer. For example – Travel credit card, Entertainment credit card, Shopping Credit Card, etc. Now, depending upon your usage and the benefits being offered, you can make your choice from the massive list of “Best credit cards in India. What you have to consider before choosing the best credit card are:

  • Best Credit Cards in India with No Joining Fee & No Annual Fee.
  • Best Credit Cards in India for Shopping.
  • Credit Cards in India for Cashback & Rewards.
  • Best Credit Cards in India for Travel.
  • Credit Cards in India for Utility Bills.

Now considering above points the following cards are selected that will best fit for your needs. We are going to mention benefits of each card in detail so that you may choose the best fit according to your spends considering the categories Fuel, Premium, Travel, Rewards, Shopping, Dining and Entertainment. These cards are chosen based on the rewards/perks they offer. Look below for details of these Best credit Card offers.

Joining fee: Rs.0

Annual fee: Rs.1000

(waived off on spends of Rs 30,000 or more in the previous year.)


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Citi Rewards Card

  • Welcome Rewards : Get 1,500 bonus points on your first spend made within 30 days of card issue
  • Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue
  • Earn 10X Reward Points for every Rs.125 spent at apparel and department stores and select partners
  • Earn Reward Points at rate of 1 point for every Rs.125 on all other purchases
  • Get 300 bonus points on card spends of Rs.30,000+ in a month
  • Up to 15% savings across participating restaurants.
  • Get instant redemption against movie tickets, travel bookings, mobile services and more
  • Get EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers
  • Your reward points will never expire
Customer Profile Criteria
Salaried Age        : Minimum of 18 years old,
Income : Not required.
Self Employed Age        : Minimum of 18 years old,
Income : Not required.

Joining fee: Rs.500

Annual fee: Rs.500


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Citi Cash Back Credit Card

This is the most used and one of the best credit cards in India. Also it’s the highly applied credit card from our “Best Credit Card offers” section. This card allows you to earn while you spend. It offers cashback and other benefits on spends.

  • Enjoy 5% cash back on movie ticket purchases, telephone bill payment and all types of utility bill payments through Citibank Online Bill Pay service
  • Get 0.5% cash back on all your purchases
  • Avail up to 15% off on dining across 2000 partnered restaurant
  • Cash back of INR 500 is automatically credited to the statement
  • Savings and offers on shopping across 100 plus stores
  • Get EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers
Customer Profile Criteria
Salaried Age        : Min 18 yrs & Max 70 yrs,
Income : Get card against Fixed Deposit and minimum income set by the bank
Self Employed Age        : Min 18 yrs & Max 70 yrs,
Income : Get card against Fixed Deposit and minimum income set by the bank

Joining fee: Rs.0

Annual fee: Rs.1000

(waived off on spends of Rs 30,000 or more in the previous year. Card members with annual spends of less than Rs.30,000 on their Cards are charged an Annual Fee of Rs.1,000.)


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IndianOil Citi Platinum Credit Card

This is one of the best credit cards in India for savings on fuel. This fuel credit card helps you save money on fuel and at the same time earn rewards on all your purchases.

  • Get Rs.250 worth of activation benefits*limited offer
  • Save more on fuel at IOC outlets.
    – 4 Turbo Points on Rs.150 spent on fuel at authorized IndianOil outlets (2.67% savings)
    – Complete waiver of 1% fuel surcharge at authorized IndianOil outlets.
  • Get up to 71 litres of free* fuel annually by redeeming your turbo points for fuel at 1200+ authorized IndianOil outlets
  • Turbo Points never expire ! 1 Turbo point – 1 Rs
  • Up to 15% savings on dining across participating restaurants
  • Enjoy personal concierge services and offers on dining, shopping, etc.
Customer Profile Criteria
Salaried Age        : Min 18 yrs & Max 70 yrs,
Income : Get card against Fixed Deposit and minimum income set by the bank
Self Employed Age        : Min 18 yrs & Max 70 yrs,
Income : Get card against Fixed Deposit and minimum income set by the bank

Joining fee: Rs.1000

Annual fee: Rs.1000

(2nd year onwards Fee waived off on spends of Rs. 1.5 lacs or more)


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RBL Bank Platinum Delight Credit Card

  • 2 Reward Points on every Rs. 100 spent on weekdays
  • 2X Reward Points on every Rs. 100 spent on weekends
  • 1,000 bonus Reward Points every month on 5 transactions of Rs.1000 or more
  • Waiver of fuel surcharge up to Rs.150 every month
  • Earn Joining Fee back with 4,000 Reward points on Card activation within 60 days
  • 2nd year onwards Fee waived off on spends of Rs. 1.5 lacs or more
  • Get Fuel surcharge for across all petrol pumps for fuel spends upto Rs.6,000/- every month
  • Swipe your Card within 60 days of issuance and earn 4,000 reward points
Customer Profile Criteria
Salaried Age        : Age: 25 years to 60 years,
Income : Salary should be Minimum Rs.25000 p.m.
Self Employed Age        : 25 years to 60 years,
Income : Please refer to the landing page

Joining fee: Rs.0

Annual fee: Rs.250

(waived off when you use your card for the first time within 3 Months)


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Standard Chartered Platinum Rewards credit card

This is one of the best credit cards in India for reward programme. Standard Chartered Bank offers attractive Rewards program or Loyalty Program for its credit card holders. These programs are the ‘Bonus Points’ program and the 360° Rewards Program.

  • Get additional 1000 rewards points if you transact within 60 days.
  • Bonus 500 points for registering for online banking.
  • Get 20% cashback* on Uber rides.
  • Get 5 points on spending 150 rupees on dining.
  • Get 5 points on spending 150 on fuel.
  • Get 1 reward points on spending 150 on rest of the categories.
Customer Profile Criteria
Salaried Age        : Min 21 yrs & Max 65 yrs,
Income : You should have a stable monthly income.
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : You should have a stable monthly income.

Joining fee: Rs.499

Annual fee: Rs.499

(waived off if you spend One Lakh in an Year)


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SBI Simply Click Credit Card

Especially created for a digitally aware generation, the SimplyCLICK SBI Card is must have card. With a plethora of rewards and offers up for grabs, this card can be used for various purchases from retail spends to booking tickets online and is also accepted almost everywhere globally. That’s why it is one of the the best credit cards in India and the top most in best credit card offers category.

  • Get Amazon.in gift card worth Rs.500 on joining.
  • Earn 10X Rewads on online spends with partners – Amazon, BookMyShow , Cleartrip , Foodpanda , Lenskart , UrbanClap, Zoomcar.
  • Get 1 % fuel surcharge waiver for transactions of Rs 500 and above.
  • E-voucher worth Rs. 2,000 on annual online spends of INR 1 Lakh.
  • Get additional e-Voucher worth Rs. 2,000 on spends of INR 2 Lakhs.
  • Exciting discount & cashback on Flipkart, Amazon, Yatra, Makemytrip, Bookmyshow, FoodPanda, ZoomCar etc.
Customer Profile Criteria
Salaried Age        : Min 21 yrs & Max 60 yrs,
Income : Should have a regular source of income
Should have a decent credit score
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : Should have a regular source of income
Should have a decent credit score

Joining fee: Rs.5999

Annual fee: Rs.0

(No annual charges)


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IndusInd Bank Platinum Credit Card

  • Enjoy fuel surcharge waiver of 2.5% at petrol pumps across the country.
  • Get access to more than 600 airport lounges across the planet with a free Priority Pass membership.
  • Get complimentary movie tickets and other discounts for ticket bookings on BookMyShow.com in major cities across the country.
  • 1.5 Reward Points for every Rs. 150 spent.
  • Buy 1 Get 1 Movie Ticket across multiple Entertainment Partners.
  • Get a complimentary Personal Air Accident Cover worth Rs 25 lakhs.
  • Get Jet Airways promotion codes and Satya Paul vouchers as welcome bonus.
Customer Profile Criteria
Salaried Age        : Min 21 yrs & Max 65 yrs,
Income : Get card with a fixed deposit and a minimum requirement as set by the bank.
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : Get card with a fixed deposit and a minimum requirement as set by the bank.

Joining fee: Rs.0

Annual fee: Rs.0

(Lifetime free Credit Card, get Credit Card against Fixed Deposit)


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ICICI Bank Platinum Chip Credit Card

This credit card is one of the best credit cards in India for online shoppers as the card holders can get special discounts on Jabong, Tatacliq, Nykaa etc.

  • Get lot of special discount offers if you are a Foodie, Travel often, shop online and more.
  • Ideal for Students or non-salaried individuals.
  • If ordering Food online – Avail good discount options on FoodPanda, Dominos, Swiggy
  • If Traveling – Avail frequent discounts on MakeMyTrip and ZoomCar
  • Special discounts on ecommerce websites like – Jabong, TataCliq, Nykaa, Pepperfry, Puma Shop online, Bluestone, 1mg etc.
  • Minimum 15 % discount on partner Dining restaurants.
  • 1 % Fuel Surcharge Waiver.
Customer Profile Criteria
Salaried Age        : Min 21 yrs & Max 65 yrs,
Income : Should withdraw a minimum salary of Rs.300,000 per annum. or Need a Fixed Deposit of ₹ 20,000 for a minimum tenure of 180 days.
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : Should withdraw a minimum salary of Rs.300,000 per annum. or Need a Fixed Deposit of ₹ 20,000 for a minimum tenure of 180 days.

Joining fee: Rs.499

Annual fee: Rs.999

(Rs.999 from 2nd year onwards, can be waived off based on spends)


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Standard Chartered Manhattan Platinum Credit Card

  • One of he most liked credit card in India.
  • Ideal for salaried professionals with decent (8000 above per month) credit card spends
  • Get 5 % Cashback on expenditure of department stores and supermarkets (Big Bazaar, Spencer’s, Reliance, Easy Day and more).
  • Get 3x rewards when you use your credit card for all other expenses.
  • Enjoy a host of discounts and offers across dining, shopping, travel and many more with the Standard Chartered Good Life programme.
  • Enjoy a host of offers and discounts across shopping, travel, dining and more with exclusive offers on your credit card.
  • Get INR 2,000* BookMyShow vouchers on your first transaction in first 90 days with your Manhattan Platinum credit card.
Customer Profile Criteria
Salaried Age        : You must be over 18 years of age.
Income : Need a consistent source of salary and a stable credit history.
Self Employed Age        : You must be over 18 years of age.
Income : Need a consistent source of salary and a stable credit history.

Joining fee: Rs.1000

Annual fee: Rs.4500

(Rs.4500 2nd Year Onwards, can be waived off if your spends are good)


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Amex Membership Rewards Credit Card

  • Get Welcome Gift of 4000 Membership Reward Points (when you transact or use your card 3 times in 2 months).
  • Earn 1 Membership Rewards Point for every Rs.50 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions
  • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal.
  • Redeem your Points from the fabulous 18 and 24 Karat Gold Collection.
  • Split the payment and not the joy. Use your American Express Credit Card for your next big purchase & pay in easy EMI.
  • Enjoy convenience, exclusive benefits, assistance at any hour and much more. Your American Express Membership Rewards®Credit Card brings a host of special privileges
  • Enjoy exciting privileges every time you book your travel through MakeMyTrip.com.
  • Enjoy up to 20% off every time you dine at select restaurant partners.
Customer Profile Criteria
Salaried Age        : You must be over 18 years of age.
Income : The minimum annual income should be Rs.6 Lakhs
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : The minimum annual income should be Rs.6 Lakhs

Joining fee: Rs.495

Annual fee: Rs.495

(Spend Rs. 39,999 in card membership year and get fee waiver)


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Everyday Spend American Express® Gold Credit Card

  • Get rewarded for your spends with 5X Membership Rewards® Points at select merchant partners like Bookmyshow, PVR, Big Bazaar, Dmart, More, Reliance Fresh.
  • 10X Bonus Membership Rewards® Points at Flipkart and Ola respectively. It is capped at 500 MR Points per month on Flipkart and Ola.
  • Get a cashback of Rs 5003 on spending Rs. 10,000 in the first 90 days of Card membership, enough to set off your first year card fee.
  • Get a renewal fee waiver on eligible spends of Rs.39,999 in the previous year of the Card membership.
Customer Profile Criteria
Salaried Age        : You must be over 18 years of age.
Income : The minimum annual income should be more than Rs.4 Lakhs
Self Employed Age        : You must be over 18 years of age.
Income : The minimum annual income should be more than Rs.4 Lakhs

Joining fee: Rs.1500

Annual fee: Rs.1500

(Rs.1500 Joining Fee and Rs.1500 from 2nd year onwards)


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Axis Bank Privilege Credit Card

Axis bank privilege credit card is one of the best credit cards in India due to it’s exclusive reward points and Yatra vouchers. Take a look at the benefits of this card below.

  • Get Vouchers for Yatra.com worth INR 5,000 when you use your card 3 times within 60 days of activation redeemable across flights, hotels and hotel bookings.
  • Get Milestone Reward points worth INR 5000 on the Axis Bank Edge Website on minimum annual spends of INR 2.5 Lakhs.
  • Get annual benefits of additional 3000 eDGE reward points on renewal of your credit card from 2nd year.
  • Complimentary Lounge access to selected Airport Lounges.
  • Get 12,500 Axis eDGE reward points, redeemable against Yatra vouchers worth ₹ 5,000/-upon completion of 3 transactions within 60 days.
  • Double the benefit upon achieving spends milestone of Rs. 2.5L – by converting your earned eDGE points to Yatra vouchers Rs 5000.
  • On any transaction over Rs. 2,500, contact the Bank to convert a big credit card purchase into EMIs
  • Indulge in delectable cuisine with Axis Bank Dining Delights offering a minimum 15%* off at our partner restaurants in India.
  • Fuel surcharge refund on spends at all fuel stations across India. Valid on transactions between Rs. 400 and Rs. 4,000 only
Customer Profile Criteria
Salaried Age        : Min 18 yrs & Max 70 yrs,
Income : Net income of Rs. 6,00,000 per annum
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : Net income of Rs. 6,00,000 per annum

Joining fee: Rs.1000

Annual fee: Rs.1000

(Renewal or 2nd year onwards fee is INR 1000 as well, can be waived off if you spend INR 1 Lakh in a year)


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HDFC Regalia First Credit Card

This credit card also comes in the best credit cards in India because HDFC Regalia card brings you the best of rewards and savings as shown below.

  • Complimentary Airport Lounge Access through Priority Pass Membership
  • Accumulate and redeem reward points for Free Air Tickets
  • Now get 7,500 bonus points every year on spends of Rs.6 Lac (wef 1 Apr’18)
  • Exclusive dining privileges that offer upto 15% discount on dining at premium restaurants across India.
  • Earn 4 Reward Points on every Rs. 150 spent and redeem rewards against exclusive lifestyle options
  • 1% fuel surcharge waived off on fuel transactions. (Minimum transaction of INR 400. Maximum cash back of INR 500 per statement cycle)
  • Earn Rs.5,000 Reward Points when you achieve spends of Rs. 3,00,000 in anniversary year
  • Your Regalia First Credit Card entitles you to Exclusive Dining Privileges at leading restaurants across India.
  • Enjoy lowest foreign currency markup of 2% on all your foreign currency spends
Customer Profile Criteria
Salaried Age        : Min 21 yrs & Max 60 yrs,
Income : Gross Monthly Income> Rs 60,000
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : ITR  > Rs.7.2 Lakhs per annum

Joining fee: Rs.3500

Annual fee: Rs.5000

(Rs.3,500 for 1st Year and Rs.5,000 for 2nd year onwards)


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American express Platinum Travel Credit Card

This credit card is the most popular and best credit card in India for  Travel lovers. Choose and apply for this card if you want to save money on your travel costs.

  • You earn 1 Membership Rewards Point on every Rs. 50 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions.
  • Welcome Gift of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs. 4,000.
  • Spend Rs. 1.90 Lacs in a year and you can get Travel Vouchers worth more Rs. 7,700
  • On spending Rs. 1.90 Lacs in a year, earn 7,500 Spend Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs. 6,000.
  • You also earn 1 Membership Rewards Point for every Rs. 50 spent on the Card. On spending Rs. 1.90 Lacs in a year, earn 3,400 Regular Membership Rewards Points redeemable for Travel Vouchers worth Rs. 1,700.
  • Spend Rs. 4 Lacs in a year and get a Taj Experiences Gift Cards worth Rs. 10000 from the Taj Hotels Palaces Resorts Safaris. This Gift Cards will be mailed to you once you reach the spend threshold of Rs. 4 Lacs
  • Spend Rs. 4 Lacs in a year and additionally you can get Travel Vouchers worth Rs. 11,800
  • Enjoy exciting privileges every time you book your travel through MakeMyTrip.com.
  • Enjoy up to 20% off every time you dine at select restaurant partners.
Customer Profile Criteria
Salaried Age        : Should be over 18 years of age,
Income : Should have a personal annual income of Rs. 6 Lacs or above
Self Employed Age        : Should be over 18 years of age,
Income : Should have a personal annual income of Rs. 6 Lacs or above

Joining fee: Rs.10000

Annual fee: Rs.5000

(First Year Membership Fee – Rs. 10,000/- + Applicable Taxes and Renewal Membership Fee – Rs. 5,000/- + Applicable Taxes)


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HDFC Bank Diners Club Black Card

This credit card is one of the best credit cards in India. It’s also one of the best credit card offers on this page. It does not just offer reward points, but provides the best protection, golf benefits, travel benefits, lifestyle benefits, etc.

  • Earn 2x reward points on domestic and international air ticket and hotel bookings.
  • Redeem points for airmiles or to book air tickets or hotels.
  • Enjoy access to over 25 airport lounges in India and over 650 airport lounges abroad.
  • Enjoy 24×7 concierge service. Get the concierge to reserve golf course and dining or to deliver flowers and gifts or to rent cars. The concierge will also provide business related services, courier service and make hotel reservations.
  • Avail 5 reward points on every Rs.150 spent at retail merchant stores.
  • Avail 10 reward points on every Rs.150 spent on HDFC Bank Diners Club website.
  • Enjoy complimentary golf games and lessons in India and abroad.
  • Get Rs.2 crore worth Air Accident Cover, up to Rs.50 lakh worth Emergency Medical Expenses cover, up to Rs.9 lakh worth Credit Liability cover and up to Rs.55,000 worth Travel Insurance Cover on baggage loss/delay.
Customer Profile Criteria
Salaried Age        : Min 21 yrs & Max 60 yrs,
Income : Net Monthly Income > Rs 1.75 Lakhs per month.
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : ITR  > Rs 21 Lakhs per annum

Joining fee: Rs.499

Annual fee: Rs.499

(First Year Fee – Rs. 499/- and 2nd year onwards – Rs.499/-)


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Kotak PVR Gold Credit Card

This credit card is one of the best credit cards in India for Movie buffs. It’s also one of the best credit card offers on this page. This credit card has been exclusively designed for movie buffs. It is offered by Kotak Mahindra Bank in partnership with PVR Cinemas.

  • Get 1 free PVR movie ticket* every month when you spend Rs. 10000/- and above in a monthly billing cycle. OR
  • Get 2 free PVR movie tickets* every month when you spend Rs. 15000/- 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 all year round
  • Avail up to Rs.75,000 worth insurance coverage for stolen or lost card.
  • Avail Add-on cards for family members.
Customer Profile Criteria
Salaried Age        : Min 21 yrs & Max 65 yrs,
Income : Should be able to demonstrate a stable credit history
Self Employed Age        : Min 21 yrs & Max 65 yrs,
Income : Should be able to demonstrate a stable credit history

Choose the best card and apply online

Credit cards are issued by banks and financial institutions allowing the user to make purchases and pay for various services by borrowing money from them like as personal loan. Apart from providing the much needed alternative to cash, credit cards also offer you benefits in the form of rewards, cashbacks, interest-free period and much more. The demand for credit cards in the Indian market is growing rapidly and hence leading banks have launched plenty of credit card options for the customers to choose from. That’s why we introduced all the best credit cards in India on this page.
There are a host of credit cards available in the market having different features and benefits linked to them. The most popular ones are travel credit cards, shopping credit cards, entertainment credit cards, fuel credit cards, co-branded credit cards, cashback credit cards, lifetime free credit cards, premium credit cards and business credit cards.

Apply for a Credit Card

Due to the rising demand for credit cards in the market, banks and financial institutions have made credit card application quite easy for the customers. You can apply for credit cards both online and offline. Just check the best card for you from the best credit cards in India shown on this page and apply now.

How to Apply for Credit Card Online

Nowadays, it is very easy to avail a credit card if you meet the eligibility criteria. You do not need to visit your bank branch for the purpose; credit card application can be made online. You can visit the web portal of the bank and apply for a credit card by filling out some basic details like name, email ID, contact number, income, address, etc. You will get a call from a credit card representative of the bank who will guide you through the process. A representative will also come to collect your documents at your doorstep.

How to Apply for Credit Card Offline

People who are not comfortable with online methods of credit card application can visit the bank branch directly to apply for the same. Just visit the branch and communicate about the type of credit card you need. The representative will tell you about the credit cards that match your needs. Then, you will have to fill the credit card application form and provide some KYC documents such as identity proof, address proof, etc. You will also be required to provide proof of income and two passport sized photographs.

Compare Credit Cards

For a digitally advanced generation, credit cards mean more than just plastic money. You can earn rewards and cashbacks, travel deals, shopping benefits, dining discounts and the choicest perks. With so many cards available in the market, it is easy to get confused in a sea of options. Therefore, compare from the best credit cards in India shown on this page and choose the best card for you.