Credit Card – Compare 50+ best credit cards for 2024 from top banks and credit card issuers in India & apply online for the one that suits your requirements the best.
Credit cards offer benefits in many different areas, such as travel, shopping, gas, etc., in the form of reward points, cashback, and discounts. But you can get the most out of the benefits only if you make an informed choice.
Keep in mind that the best credit card for you is the one you choose based on how you live and how much money you spend. On this page, we’ve told you important things about credit cards to help you.
Find out more about best credit cards in India by reading on.
| Bank Name | Credit Cards |
|---|---|
| HDFC | HDFC Bank INFINIA Metal Edition Credit Card | HDFC Bank Regalia Credit Card | HDFC Bank Millennia Credit Card | 6E Rewards XL – IndiGo HDFC Bank Credit Card | HDFC Bank Regalia First Credit Card | HDFC Bank MoneyBack Plus Credit Card | HDFC Bank Freedom Credit Card | HDFC Diners Club Black Credit Card |
| ICICI | ICICI Bank Emeralde Credit Card | ICICI Bank Sapphiro Credit Card | ICICI Bank Rubyx Credit Card | ICICI Bank Coral Credit Card | Amazon Pay ICICI Bank Credit Card | ICICI Bank HPCL Super Saver Credit Card | MakeMyTrip ICICI Bank Signature Credit Card | Accelero ICICI Bank Credit Card | ICICI Bank Mine Credit Card |
| SBI | SBI Credit Cards | SBI ELITE Credit Card | SBI AURUM Credit Card | SBI Prime Credit Card | SBI SimplyCLICK Credit Card | SBI SimplySAVE Credit Card | BPCL SBI Card Octane | Club Vistara SBI Card PRIME | Etihad Guest SBI Premier Card | Paytm SBI Card |
| AXIS | Axis Bank SELECT Credit Card | Axis Bank ACE Credit Card | Flipkart Axis Bank Credit Card | Axis Bank Vistara Infinite Credit Card | Axis Bank Magnus Credit Card | Axis Bank Privilege Credit Card | Axis Bank Atlas Credit Card |
| AMEX | American Express Platinum Card | American Express Gold Card | American Express Platinum Travel Credit Card | American Express Membership Rewards® Credit Card |
| CITI | Citi Rewards Credit Card | IndianOil Citi Credit Card | Citi Prestige Credit Card | Citibank PremierMiles Credit Card |
| INDUSIND | IndusInd Bank Celesta Credit Card | Indusind Bank Crest Credit Card | IndusInd Bank Pinnacle World Credit Card | IndusInd Legend Credit Card | Club Vistara IndusInd Bank Explorer Credit Card | IndusInd Bank Platinum Credit Card |
| YES | Yes Bank First Exclusive Credit Card | YES First Preferred Credit Card | YES Premia Credit Card | Yes Bank Wellness Credit Card |
| RBL | RBL Bank Edition Credit Card | RBL World Safari Credit Card | RBL Bank Popcorn Credit Card | RBL Bank Titanium Delight Card |
| IDFC | IDFC FIRST Wealth Credit Card | IDFC FIRST Select Credit Card | IDFC FIRST Classic Credit Card | IDFC FIRST Millennia Credit Card |
| Bank of Baroda | Bank of Baroda Eterna Credit Card | Bank of Baroda Prime Credit Card | Bank of Baroda Select Credit Card | Indian Army Yoddha BOB Credit Card |
| STANDARD CHARTERED | Standard Chartered DigiSmart Credit Card | Standard Chartered Manhattan Credit Card | Standard Chartered Platinum Rewards Credit Card | Standard Chartered Super Value Titanium Credit Card |
The best credit card for you is one that is aligned with your goals and provides the most value. Compare the best credit cards in India based on annual fees, features, benefits, and offers, and then apply for the one that best meets your needs.
When it comes to credit cards, everyone has different requirements. You might want to earn a lot of cashback on all of your transactions or save money on gas. As a result, picking the right card becomes crucial. We’ve compiled a list of the best credit cards in India to assist you in finding the right card for your needs, including cashback, online shopping, travel, and lifestyle.
| Credit Card | Annual Fee* | Best Suited For |
| Axis Bank Ace Credit Card | Rs. 499 | Cashback |
| SBI Card ELITE | Rs. 4,999 | Shopping, Travel and Movies |
| HDFC Regalia Credit Card | Rs. 2,500 | Shopping and Travel |
| Flipkart Axis Bank Credit Card | Rs. 500 | Online Shopping |
| Amazon Pay ICICI Bank Credit Card | Nil | Online Shopping |
| Citi PremierMiles | Rs. 3,000 | Air Miles |
| HDFC Millennia Credit Card | Rs. 1,000 | Cashback |
| Standard Chartered Digismart | Rs. 49 per month | Online Shopping |
| HSBC Cashback Credit Card | Rs. 750 | Cashback |
| HDFC Bank Diners Club Privilege | Rs. 2,500 | Travel and Lifestyle |
Why should you have a credit card?
Beyond the convenience it provides, a credit card is an absolute necessity for the following reasons:
- Helps you improve your credit rating.
- Up to 45 days of interest-free credit
- Transactions both online and offline are hassle-free.
- Excellent rewards, cashback, discounts, deals, etc. are included in the package.
- Helpful in the event of a financial emergency
- To buy big-ticket items and pay for them over time with interest-free EMIs.
- Because OTP and PIN authentication are required for every transaction, they are secure.
Benefits of a Credit Card
Cardholders can take advantage of the following credit card benefits:
| Add-on Cards | Many banks allow their credit cardholders to apply for add-on credit cards for their immediate family members. |
| Airport Lounge Access | Some credit cards offer complimentary airport lounge access to the cardholders. The offer varies from one bank to another. These advantages are especially available with travel-centric and premium cards. |
| Balance Transfer | Credit cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank. |
| Cashback Benefits | Many credit cards offer cashback benefits to the customers. |
| Credit Score | Owning a credit card helps you build a healthy CIBIL score. By making timely payments on your card and in full, you receive a positive credit score from credit bureau, CIBIL. |
| EMI Conversion | The feature allows the credit card members to convert their credit card transactions into easy monthly instalments (EMIs). |
| Fuel Surcharge Waiver | Banks offer a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month. Almost all credit cards include this benefit, which waives the surcharge whenever you fill up your car as long as you spend a certain amount. |
| Global Acceptance | Today, most credit cards that are issued in India are international credit cards and are accepted by various merchants all over the world. |
| Insurance Coverage | Some premier cards provide a comprehensive insurance policy that provides coverage against air accident, life, lost baggage, lost card, outstanding, etc. |
| Lifestyle Benefits | Cardholders can enjoy various lifestyle benefits on their credit cards such as offers on dining, shopping, wellness, entertainment, etc. |
| Rewards Program | All credit cards generally have a reward program, which allows cardholders to earn reward points on every transaction they make using their cards. |
| Travel Benefits | Travel benefits of credit cards include air miles, airport lounge access, travel insurance, airline offers, hotel offers, etc. |
| Welcome Gift | Many banks offer a welcome gift to new credit card applicants once the card is issued to them in the form of bonus reward points, vouchers, discounts, etc. |
Welcome Offers: These days, most credit cards come with welcome benefits such as gift cards, discounts, or bonus rewards points.
Reward Points or Cash Back: Reward points, air miles, or direct cashback are credited to your account every time you use your card to make a purchase. Cashback is applied directly to your card account, whereas reward points can be redeemed for gifts and merchandise. Air Miles can be redeemed for discounted airline tickets.
Credit cards also come with insurance that covers accidents up to a certain limit. It could be an air accident policy, a lost card liability policy, or an out-of-country hospitalisation policy.
Cash Advance: You can also use your credit card to withdraw cash from an ATM. This is extremely useful in an emergency when you require immediate cash.
Add-on Cards: You can get an add-on card (also known as a supplementary card) for your family members, such as your spouse, siblings, children, and parents, with a number of credit cards. The benefits of an add-on card are usually similar to those of the primary card.
EMI Conversion: The most common credit card benefit is EMI Conversion. You can break down large purchases into EMIs and spread the payments out over a few months.
Documents Required For Credit Card
The documentation requirements differ from one issuer to the next. The following are some of the important documents needed to apply for a credit card:
- Passport, PAN card, driving licence, voter ID card, Aadhaar card, and employee identity card in the case of government employees are all acceptable forms of identification and signature proof.
- Bank statement, rent agreement, voter ID card, ration card, passport, driving licence, telephone/electricity/water/credit card bill, or property tax bill are all acceptable forms of proof of address.
- Voter ID card, Secondary School Certificate (class 10), birth certificate, passport, Aadhaar Card, pension payment order, or LIC policy receipt are all acceptable forms of proof of age.
- Income proof for salaried individuals includes the most recent three months’ pay stubs, as well as a six-month salary account bank statement.
- Income proof for self-employed businessmen and professionals consists of the most recent IT returns with income computations and other certified financial documents, as well as proof of business continuity.
Note that if you have a pre-approved credit card offer from an issuer, you may not be required to submit any documents, particularly if you already have a banking relationship with the issuer.
Different Types of Credit Cards in India
- Best Co-branded Credit Cards
- Best Dining Credit Cards
- Best Entertainment Credit Cards
- Best Fuel Credit Cards
- Best Lifetime-free Credit Cards
- Best Premium Credit Cards
- Best Rewards Credit Cards
- Best Secured Credit Cards
- Best Shopping Credit Cards
- Best Travel Credit Cards
- Best Zero Annual Fee Credit Cards
Best Co-branded Credit Cards
These cards are released in association with well-known brands, such as airlines, e-commerce sites, or retail chains. Top co-branded credit cards in India include the following:
Credit Card by Banks
- Axis Bank Credit Card
- Bandhan Bank Credit Card
- Bank of Baroda Credit Card
- Bank of India Credit Card
- Bank of Maharashtra Credit Card
- Canara Bank Credit Card
- Central Bank of India Credit Card
- City Union Bank Credit Card
- CSB Bank Credit Card
- DCB Bank Credit Card
- Dhanlaxmi Bank Credit Card
- Federal Bank Credit Card
- HDFC Bank Credit Card
- ICICI Bank Credit Card
- IDBI Bank Credit Card
- IDFC First Bank Credit Card
- Indian Bank Credit Card
- Indian Overseas Bank Credit Card
- IndusInd Bank Credit Card
- Jammu & Kashmir Bank Credit Card
- Karnataka Bank Credit Card
- Karur Vysya Bank Credit Card
- Kotak Mahindra Bank Credit Card
- Nainital Bank Credit Card
- Punjab and Sind Bank Credit Card
- Punjab National Bank Credit Card
- RBL Bank Credit Card
- South Indian Bank Credit Card
- State Bank of India Credit Card
- Tamilnad Mercantile Bank Credit Card
- UCO Bank Credit Card
- Union Bank of India Credit Card
- Yes Bank Credit Card
What is a secured credit card?
A secured credit card is one that is issued as collateral for a deposit, such as a fixed deposit. It’s a good place to start for those who aren’t eligible for a regular (unsecured) credit card.
Can I convert my credit card purchases into EMIs?
Yes, you can break down large purchases into manageable EMIs using the EMI options offered by your credit card. The interest rate on credit card EMIs differs from lender to lender, so it’s a good idea to check it out ahead of time. You can check this using the credit card EMI calculator. In addition, some lenders, in collaboration with major brands and online retailers, offer customers low-interest or no-interest EMIs. For more information, use your net banking/credit card app to check EMI options on your credit card, or call your bank’s customer service department.
Premium credit cards come with additional lifestyle, travel, entertainment, dining, and other benefits, as well as a hefty annual fee. Some premium card features include international airport lounge access, concierge service, and air accident insurance.
What is credit card balance transfer?
Some credit cards allow you to transfer balances from other cards, consolidate your debt, and pay it back in EMIs. Banks also provide low-interest introductory offers to entice customers to transfer balances from other credit cards.
Are co-branded credit cards available in India?
In India, a number of banks have partnered with various brands to offer co-branded credit cards. Co-branded credit cards in India include the Air India SBI Signature Card, Axis Bank Vistara, and ICICI Bank’s Amazon Pay Credit Card.
What are milestone benefits on credit cards?
Banks reward cardholders with bonus rewards or shopping vouchers if they spend a certain amount within a certain time frame. Milestone benefits are what they’re called.
What is a lost card liability cover?
Most credit cards offer a zero liability benefit, which means the cardholder is not responsible for any expenses incurred between the time the card was lost and the time the bank was notified. Some banks also offer a credit card protection plan, which provides additional protection for your credit card in the event of loss or theft.
How to read a credit card statement?
The statement date, payment due date, total amount due, and minimum amount due are the four main components of a credit card statement. These are usually mentioned at the beginning of the statement. The second section contains detailed transaction information.
What is the difference between a credit card and a debit card?
The main difference between a credit card and a debit card is that a debit card is linked to your savings or checking account, whereas a credit card is a bank-issued loan. When using a debit card, the money is taken directly from the linked savings/current account, and there are no interest charges. When using a credit card, however, the amount is deducted from your credit limit.
- Types of Credit Cards
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