Best Credit Cards in India – Having a credit card is like having a best friend when your wallet runs out of money.
A credit card is there for you when your wallet is empty and your bank account is empty, whether you’re shopping, travelling, or meeting an urgent need. And the number of credit cards to choose from these days seems to go on indefinitely.
There are numerous types of credit cards, including shopping, travel, co-branded, and fuel cards. There are so many options to choose from, isn’t there? We have compiled a list of the best credit cards in India that you can use to make purchases.
The shopper in you will be enchanted by the rewards programmes offered by these cards, which include points, discounts, rebates, and even free movie tickets. As a result, why not take a look at a list of cards and select one that will satisfy your shopping needs?
Best Credit Cards in India Based on Top Categories
| Best Credit Cards in India | Best For |
|---|---|
| Axis Bank Neo Credit Card | Bookings, Shopping, Movies, Cashback, Hotel, Movies |
| Citi Rewards Credit Card | Rewards |
| FinBooster: YES Bank-BankBazaar Co-branded Credit Card | Reward Points |
| HDFC Bank Diners ClubMiles Card | Lounge Access |
| IndianOil Citi Credit Card | Fuel |
| IndusInd Bank Platinum Aura Edge Credit Card | Travel, Dining, Lifestyle |
| IndusInd Bank Platinum Credit Card | Lifetime Free Card |
| RBL Shoprite Credit Card | Shopping |
| Standard Chartered DigiSmart Credit Card | Online Shopping, Travel & Dining |
| Yatra SBI Credit Card | Travel, Flight Booking, Hotel Booking |
| YES Prosperity Edge Credit Card | Shopping and lifestyle |
- American Express SmartEarn™ Credit Card
- Axis Bank ACE Credit Card
- Flipkart Axis Bank Credit Card
- HDFC Millennia Credit Card
- HDFC Regalia Credit Card
- ICICI Coral Credit Card
- RBL Bank ShopRite Credit Card
- SBI Card PRIME
- SBI SimplySAVE Credit Card
- SimplyCLICK SBI Credit Card
| Best Credit Cards in India | Best For | Annual Fee (INR) | Welcome Bonus | Category |
|---|---|---|---|---|
| American Express SmartEarn™ Credit Card | Online Purchases | 495 | Cashback of INR 500 (conditional) | Reward Points |
| Axis Bank ACE Credit Card | Bill Payments | 499 | INR 500 (conditional) | Cashback |
| Flipkart Axis Bank Credit Card | Online, Offline Shopping | 500 | INR 500 worth Flipkart vouchers and 15% cashback up to INR 500 on Myntra | Cash Back |
| HDFC Millennia Credit Card | Online Shopping and Bookings (conditional) | 1,000 | 1000 Cashback points | Cashback |
| HDFC Regalia Credit Card | All Kinds of Spends | 2500 | 2500 reward points | Reward points(Premium Card) |
| ICICI Coral Credit Card | Online and Offline Purchases | 500 | None | Reward Points |
| RBL Bank ShopRite Credit Card | Online and Offline Purchases | 500 | 2,000 Reward Points (with conditions) | Reward Points |
| SBI Card PRIME | Online and Offline Purchases | 2999 | E-gift voucher worth INR 3,000 | Reward Points |
| SBI SimplySAVE Credit Card | Offline Shopping | 499 | 2,000 bonus Reward Points (conditional) | Reward Points |
| SimplyCLICK SBI Credit Card | Online Shopping | 499 | Amazon.in gift card (worth INR 500) | Reward Points |
- Business Credit Cards
- Co-Branded Credit Cards
- Contactless Credit Cards
- Fuel Credit Cards
- Kisan Credit Card
- Lifestyle Credit Cards
- Lifetime Free Credit Cards
- NRI Credit Cards
- Rewards Credit Cards
- Shopping Credit Cards
- Student Credit Cards in India
- Travel Credit Cards
Best Credit Cards in India FAQs
Which credit card is the best for online shopping in India?
In India, you have a variety of credit card options for shopping. You can choose from a variety of credit cards, including the SBI SimplySave Credit Card, Citi Cashback Card, and HSBC Visa Platinum Credit Card, to name a few.
Which credit card in India offers the best travel benefits?
In India, many credit cards come with basic travel benefits such as airport lounge access, accelerated reward points on travel bookings, and so on. However, many credit cards, such as the HDFC Bank Regalia credit card, offer additional travel benefits. Check our Best Travel Credit Cards with No Annual Fee Article here.
Which is the best credit card for entertainment benefits?
Several credit cards provide access to a variety of entertainment benefits. However, there is a set of cards that are solely for entertainment purposes. They provide the best benefits in terms of entertainment, as well as a few features in other categories. Among the best credit cards for entertainment expenses are the Kotak PVR Gold Credit Card, HDFC Moneyback Credit Card, and Axis Bank Neo Credit Card.
