10 Best Credit Cards in India

when you start to look for credit cards, it is important that you choose a credit card then provides you with good benefits at less annual charges or Nil annual charges. We list the top 10 Best Credit Cards in India with details to help you chose the best one that suits you the best.

Before applying to any credit card, go through the pros and cons of credit cards and learn about Credit cards in Detail.

Axis Bank Ace Credit Card -#1 in 10 Best Credit cards in India

Joining Fee: Rs. 499 (Reversed on spending Rs. 10,000 in the first 45 days)
Renewal Fee: Rs. 499 (Reversed on spending Rs. 2 Lakh or more in the preceding year)
Minimum Income: Communicated at the time of sourcing

5% cashback on bill payments and mobile recharges through Google Pay
4% cashback on Swiggy, Zomato and Ola
2% cashback on all other spends
No maximum limit on the cash back earned
5% cashback on Big Basket and Grofers (Valid till 31^st December)
4 complimentary lounge visits every calendar year
1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 4,000; maximum waiver of Rs. 500 in a month

Amazon Pay ICICI Card – #2 in 10 Best Credit cards in India

Annual Fee: Nil
Renewal Fee: Nil

5% cashback on all purchases at Amazon for Amazon Prime customers in addition to existing offers
3% cashback on all purchases for Non-prime customers
2% cash back on purchases at Amazon partners and gift card purchases
2% Reward Points on recharges, bill payments, etc.
1% cashback on all other purchases
1% fuel surcharge waiver on all petrol pumps across India
1 Reward Point = 1 Rupee
No cost EMI on all purchases above Rs. 3,000 for 3 or 6 months
Additional cashback for Prime as well as non-Prime members as Amazon Pay balance
Reward points are automatically converted into Amazon Pay balance and credited to the Amazon account as Amazon Pay balance

HDFC Regalia – #3 in 10 Best Credit cards in India

Annual Fee: Rs. 2,500 + GST
Renewal Fee: Rs. 2,500 + GST (waived off on spending Rs. 3 Lakh in the previous calendar year)
Minimum Income Required: Rs. 70,000 per month

Zomato Gold Membership for a year on spending Rs. 75,000 within first 3 months of issuance of the credit card
2,500 Reward Points on payment of the joining fee and renewal fee every year
12 complimentary domestic airport lounge access every calendar year
Up to 12 international lounge access every year for self and add-on member under Priority Pass Membership that can be activated on doing 4 retail transactions
24×7 travel concierge service for booking, travel, late-night deliveries, etc.
Priority dining facility under Good Food Trail dining program at top restaurants across the country
4 Reward Points every Rs. 150 spent on all retail spends including utility bills, insurance, education, rent, etc.
10,000 Reward Points on spending Rs. 5 Lakh on the card and additional 5,000 points on reaching the milestone spends of Rs. 8 Lakh
1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5,000 at all petrol pumps in the country
Rewards redemption on flight and hotel booking, vouchers, gifts and products, etc. with 70% redemption of ticket fare for flight and hotel
Air accidental death cover of Rs. 1 crore
Emergency overseas hospitalization cover of up to Rs. 15 Lakh

IndianOil Citibank Platinum Credit Card

Annual Fee: Rs. 1,000 + GST
Renewal Fee: Rs. 1,000 + GST (waived off on spending Rs. 30,000 or more)
Minimum Income Required: Rs. 25,000 per month

Get up to 71 litres of free fuel every year in the form of fuel surcharge waiver and turbo points
Earn 4 Turbo Points on every Rs. 150 spent on authorized Indian Oil Retail Outlets across the country
Get 2 Turbo Points per Rs. 150 on grocery and supermarket spends and 1 Turbo Point on all other spends
Accumulated Turbo Points never expire
Avail the exclusive concierge service by Citi Bank through which you can get various types of assistance on a call
Make payments by waving the card in front of a POS as this is a contactless card
Enjoy up to 15% off on dining spends at partner restaurants of Citi Bank

SimplyCLICK SBI Card

Annual Fee: Rs. 499 + GST
Renewal Fee: Rs. 499 + GST
Minimum Income Required: Rs. 20,000 per month

Get Rs. 500 gift voucher as the welcome gift
Earn 1 Reward Point on every Rs. 100 spent on the card
Get 5X Rewards on all online spends and 10X Rewards on making online spends with exclusive partners of SBI Card
Enjoy 1% fuel surcharge waiver on fuel transactions worth Rs. 500 to Rs. 3,000 subject to a maximum waiver of Rs. 100 per billing cycle
Spend Rs. 1 Lakh in a year and get the annual fee of Rs. 499 reversed
Take benefit of the contactless feature and make payment by just waving the card in front of a POS terminal

Citi PremierMiles Credit Card

Annual Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST
Minimum Income Required: Rs. 25,000 per month

Spend Rs. 1,000 or more within 60 days of card issuance and get 10,000 Bonus Miles
Get additional 3,000 Miles on card renewal
Earn 4 Miles for every Rs. 100 spent across all categories
Earn 10 Miles for every Rs. 100 on transactions made with any airline in the world
The accumulated air miles never expire
Get complimentary access to airport lounges in India and across the globe
Transfer Miles to the Frequent Flyer Programs of different airline partners in 2:1 ratio

SBI Card Elite

Annual Fee: Rs. 4,999 + GST
Renewal Fee: Rs. 4,999 + GST
Minimum Income Required: Rs. 60,000 per month

Get a welcome e-gift voucher worth Rs. 5,000 from Yatra, Bata/Hush Puppies, Pantaloons, Shoppers Stop and Marks & Spencer
Get free movie ticket worth Rs. 6,000 in a year in the form of Rs. 250 vouchers in a month
On reaching annual spends of Rs. 3 Lakh and 4 Lakh, get 10,000 bonus reward points
Earn 2 Reward Points per Rs. 100 on all categories except fuel
Accelerate your reward earnings 5 times when using the credit card for grocery, dining and departmental store purchases
Get access to over 1,000 airport lounges across the globe with a complimentary Priority Pass Membership
Get 6 complimentary international airport lounge visits in a year subject to maximum 2 visits per quarter and 2 complimentary domestic lounge visits
Enjoy complimentary Club Vistara Membership

YES FIRST Preferred Credit Card

Annual Fee: Nil
Renewal Fee: Nil
Minimum Income Required: Rs. 1,20,000 per month

Welcome gift of 10,000 reward points on making the first purchase within 90 days of card activation
Get renewal benefit of 7,500 reward points every year on the payment of renewal fee
Earn 4 reward points per Rs. 100 across all categories
Earn 2X rewards on Travel Agencies & Tour Operators, Domestic Airlines and Dining
Redeem rewards to buy products from an exclusive catalogue or to book flight/hotel/movie tickets from YES Bank’s dedicated website (1 Reward Point = Re. 0.25)
Covert reward points into Intermiles in 4:1 ratio
Get exclusive golf benefits under Mastercard World Golf Programme; get a waiver of 3 green fees at select golf courses and 1 complimentary lesson per month
Enjoy complimentary Priority Pass Membership along with 4 free visits in a year
Avail dedicated concierge service and automobile assistance via YES ASSIST
Enjoy a preferential foreign exchange markup fee of 1.75% only
Enjoy 25% off on movie ticket booked through BookMyShow
Get complimentary insurance covers including life cover, medical insurance and credit shield cover

HSBC Cashback credit card

Joining Fee: Nil
Renewal Fee: Rs. 750 + GST (Waived off on spending Rs. 1 Lakh in the previous year)
Minimum Income Required: Rs. 4,00,000 per annum

2 domestic or international airport lounge access or 2 airport meal vouchers worth Rs. 400 each and Swiggy voucher of Rs. 250 as welcome benefits
1.5% cashback on all online spends except wallet transactions
1% cashback on all other spends
Zero joining fee
Cashback is also applicable on EMIs (Equated Monthly Instalments)
Up to 15% discount on dining at partner restaurants
Option to pay credit card dues in EMIs on balance transfer, Cash-on-EMI, Loan-on-phone, etc.
Partner offers from time to time on Big Basket, Amazon Pantry, MakeMyTrip, etc.
Zero lost card liability, emergency card replacement, global card access, cash advance, etc.

Standard Chartered Super Value Titanium credit card

Annual Fee: Rs. 750 + GST
Renewal Fee: Rs. 750 + GST
Minimum Income Required: Rs. 55,000 per month

5% cashback on fuel spends, phone recharges and utility bill payments
1 Reward point on every Rs. 150 spent across all other categores
Complimentary Priority Pass Membership
Offers and discounts on shopping, travel booking, dining, etc. under Standard Chartered Good Life programme
Standard Chartered 360° Rewards Program for rewards redemption
Credit card balance transfer up to Rs. 5 Lakh from other cards at lower interest rate
Lifetime free add-on credit cards for family (spouse, children above 18 years of age, siblings and parents)