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Best Credit Card in India

Top Credit Cards

Last Updated 15th Apr 2021

Some of the best credit cards across different categories are listed as follows:

Category Top Credit Card
Shopping Credit card Citibank Rewards Card,Citibank Cashback Card,Citibank Rewards Domestic Card
Lifestyle Credit card HDFC Bank Infinia Card,HDFC Bank Diners Club Black Card,HDFC Bank Jet Privilege Diners Card,ICICI Bank Emeralde Credit Card
Travel Credit Card HDFC Bank Jet Privilege HDFC Bank World Card,HDFC Bank Infinia Card,HDFC Bank Jet Privilege Diners Card
Fuel Credit Card Citibank IndianOil Platinum Card,Citibank IndianOil Titanium Card
Low fee Credit card HDFC Bank Infinia Card,HDFC Bank Diners Club Black Card
Premium Card Credit Card HSBC Bank Premier Master Card,ICICI Bank Instant Platinum Card

Top Credit Card Issuers in India

Credit cards have become a common term in today’s digitalized world, where everyone prefers plastic money over cash. Thereby, several lenders offer varying customer oriented credit cards in India. Some of the top Credit Card issuers in India are listed as follows:

  • Axis Bank
  • ICICI Bank
  • Citibank
  • HSBC Bank
  • Standard Chartered Bank
  • SBI
  • HDFC Bank

Best Shopping Credit Cards in India

Get smart with your spendings.

Shopping card offers attractive cash back or reward points, every time you spend a certain amount on pre-specified categories on the card.

Some of the best Shopping credit cards are listed as follows:

Citibank Rewards Card

Rewards Card is a popular credit card issued by Citibank. It comes with various features as listed below:

  • Reward points are evergreen and will never expire
  • Reward points can be redeemed against shopping at selected outlets, gift voucher, fuel, air miles and card outstanding

Some charges associated with Rewards Card offered by Citibank are listed in the table below:

Interest Charges 2.50%
Joining Fee ₹ 1,000
Annual Fee ₹ 1,000
Late payment fee₹ 1,300

Citibank Cashback Card

Cashback Card is a popular credit card issued by Citibank. It comes with various features as listed below:

  • Get cash back easily as statement credit.
  • Save upto multiples of Rs. 500.

Some charges associated with Cashback Card offered by Citibank are listed in the table below:

Interest Charges 2.50%
Joining Fee ₹ 500
Annual Fee ₹ 500
Late payment fee₹ 1,300

Citibank Rewards Domestic Card

Rewards Domestic Card is a popular credit card issued by Citibank. It comes with various features as listed below:

  • Redeem your reward points to holidays or premium merchandise
  • No annual fee on spends of more than Rs. 30000 on your card in a membership year
  • Reward points are evergreen and will never expire

Some charges associated with Rewards Domestic Card offered by Citibank are listed in the table below:

Interest Charges 2.50%
Joining Fee ₹ 1,000
Annual Fee ₹ 1,000
Late payment fee₹ 1,300

Best Lifestyle Credit Cards in India

Live a dream lifestyle

Lifestyle card offers host of upgrades, services and benefits for those who frequently prefer to go on holidays with family/friends and enjoy a luxurious and personalized travel and stay experience.

Some of the best Lifestyle credit cards are listed as follows:

HDFC Bank Jet Privilege Diners Card

Jet Privilege Diners Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Earn 15 JetPrivilege Tier Points on first swipe of card within the first 90 days
  • Earn 8 JPMiles for every Rs. 150 spent
  • Unlimited Airport Lounge access to over 600+ lounges globally
  • Unlimited Golf Training And Access To Premium Golf Clubs Globally
  • Avail 24/7 Concierge services for all your bookings

Some charges associated with Jet Privilege Diners Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 10,000
Annual Fee ₹ 10,000
Late payment fee₹ 750

HDFC Bank Infinia Card

Infinia Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Enjoy Lounge access at airport in India or overseas.
  • Zero Lost Card liability post reporting card loss to bank
  • Complimentary Taj Epicure Plus membership program
  • Unlimited Golf course games globally

Some charges associated with Infinia Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 10,000
Annual Fee ₹ 10,000
Late payment fee₹ 750

HDFC Bank Diners Club Black Card

Diners Club Black Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Reduced foreign currency markup fees of 2% and savings on international expenses
  • Dedicated Concierge Services and Dining offers
  • Access to 450+ worldwide Airport Lounge under Club Lounge program (including domestic lounge)
  • Unlimited Golf Lessons, booked through our dedicated concierge desk
  • Exclusive Offers from Taj Group of Vivanta and Gateway Hotels

Some charges associated with Diners Club Black Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 10,000
Annual Fee ₹ 10,000
Late payment fee₹ 750

Best Travel Credit Cards in India

Travel with comfort

Travel and airline card give ease and convenience of travel if you are a regular and a frequent airline business traveler in India and to international destinations.

Some of the best Travel credit cards are listed as follows:

HDFC Bank Infinia Card

Infinia Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Enjoy Lounge access at airport in India or overseas.
  • Zero Lost Card liability post reporting card loss to bank
  • Complimentary Taj Epicure Plus membership program
  • Unlimited Golf course games globally

Some charges associated with Infinia Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 10,000
Annual Fee ₹ 10,000
Late payment fee₹ 750

HDFC Bank Jet Privilege Diners Card

Jet Privilege Diners Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Earn 15 JetPrivilege Tier Points on first swipe of card within the first 90 days
  • Earn 8 JPMiles for every Rs. 150 spent
  • Unlimited Airport Lounge access to over 600+ lounges globally
  • Unlimited Golf Training And Access To Premium Golf Clubs Globally
  • Avail 24/7 Concierge services for all your bookings

Some charges associated with Jet Privilege Diners Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 10,000
Annual Fee ₹ 10,000
Late payment fee₹ 750

HDFC Bank Jet Privilege HDFC Bank World Card

Jet Privilege HDFC Bank World Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Welcome Benefit Of Up To 10,000 Bonus Jpmiles And One Way (Base Fare Waived) Jet Airways Ticket.
  • Lounge access through Priority Pass and MasterCard Lounge Program
  • Dedicated check-in with 10 kg additional baggage allowance

Some charges associated with Jet Privilege HDFC Bank World Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 2,500
Annual Fee ₹ 2,500
Late payment fee₹ 750

Best Fuel Credit Cards in India

Reduce the cost of your ride

Fuel card is used as a payment card for purchase of gasoline, diesel, and other fuels at gas stations, for vehicle maintenance and repairing and receive attractive cash back offers on your fuel bills.

Some of the best Fuel credit cards are listed as follows:

Citibank IndianOil Platinum Card

IndianOil Platinum Card is a popular credit card issued by Citibank. It comes with various features as listed below:

  • No annual fee on spends of more than Rs. 30000 on your card in a membership year
  • Redeem turbo points against your purchases.Check turbo points anytime with just a sms
  • Redeem your turbo points against fuel spend at 950 IndianOil outlets across the country and to gift vouchers for brand products
  • Turbo points never expire and can be used anytime

Some charges associated with IndianOil Platinum Card offered by Citibank are listed in the table below:

Interest Charges 3.25%
Joining Fee Nil
Annual Fee ₹ 1,000
Late payment fee₹ 950

Citibank IndianOil Titanium Card

IndianOil Titanium Card is a popular credit card issued by Citibank. It comes with various features as listed below:

  • No annual fee on spends of more than 30000 on your card in a membership year
  • Earn turbo points that never expire and can be used anytime
  • Redeem turbo points against fuel spend at 950 IndianOil outlets across the country and to gift vouchers for brand products
  • Redeem turbo points against your purchases. Check turbo points anytime with just a sms

Some charges associated with IndianOil Titanium Card offered by Citibank are listed in the table below:

Interest Charges 3.25%
Joining Fee Nil
Annual Fee ₹ 1,000
Late payment fee₹ 950

SBI BPCL Card

BPCL Card is a popular credit card issued by SBI. It comes with various features as listed below:

Some charges associated with BPCL Card offered by SBI are listed in the table below:

Interest Charges 3.35%
Joining Fee ₹ 499
Annual Fee ₹ 499
Late payment fee₹ 950

Best Premium Credit Cards in India

Get priority customer benefits

Premium card is generally issued to premium and regular customer of banks and comes with host of benefits. Benefits are available as a reward points on multiple spend categories such as dining, movie tickets, and travel and luxury lifestyle benefits. So, apply for a card which offers multiple benefits.

Some of the best Premium credit cards are listed as follows:

HDFC Bank Diners Club Black Card

Diners Club Black Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Reduced foreign currency markup fees of 2% and savings on international expenses
  • Dedicated Concierge Services and Dining offers
  • Access to 450+ worldwide Airport Lounge under Club Lounge program (including domestic lounge)
  • Unlimited Golf Lessons, booked through our dedicated concierge desk
  • Exclusive Offers from Taj Group of Vivanta and Gateway Hotels

Some charges associated with Diners Club Black Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 10,000
Annual Fee ₹ 10,000
Late payment fee₹ 750

HDFC Bank Infinia Card

Infinia Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Enjoy Lounge access at airport in India or overseas.
  • Zero Lost Card liability post reporting card loss to bank
  • Complimentary Taj Epicure Plus membership program
  • Unlimited Golf course games globally

Some charges associated with Infinia Card offered by HDFC Bank are listed in the table below:

Interest Charges 1.99%
Joining Fee ₹ 10,000
Annual Fee ₹ 10,000
Late payment fee₹ 750

HDFC Bank Superia Card

Superia Card is a popular credit card issued by HDFC Bank. It comes with various features as listed below:

  • Enjoy Lounge access at airport in India or overseas.
  • Complimentary Priority Pass Membership and VISA/MasterCard Lounge program.
  • Earn 3 reward points (RP) on Rs 150 spent. Earn 50% higher reward points on dining spends.

Some charges associated with Superia Card offered by HDFC Bank are listed in the table below:

Interest Charges 2.50%
Joining Fee ₹ 500
Annual Fee ₹ 500
Late payment fee₹ 750

Best Low Fee Credit Cards in India

No frills card

Low fee card let you pay negligible or zero joining fees and enjoy the convenience of spending on the credit cards without any add on benefits.

Some of the best Low Fee credit cards are listed as follows:

HSBC Bank Premier Master Card

Premier Master Card is a popular credit card issued by HSBC Bank. It comes with various features as listed below:

  • Enjoy lounge access programme at over 600 VIP lounges with unmatched advantage of your complimentary priority pass.
  • Redeem your reward points for premium brands like jimmy choo, tumi, bose, apple
  • Dineout and get discounts up to 20% in major cities
  • Get Complimentary access and discount at selected golf courses in India and overseas

Some charges associated with Premier Master Card offered by HSBC Bank are listed in the table below:

Interest Charges 2.49%
Joining Fee Nil
Annual Fee Nil
Late payment fee₹ 750

ICICI Bank Instant Platinum Card

Instant Platinum Card is a popular credit card issued by ICICI Bank. It comes with various features as listed below:

  • Assured credit card at zero annual fee, if you have a fixed deposit with the bank. Low interest rate of just 2.49% per month, while allowing you to earn interest on your fixed deposit
  • Internationally valid card wih global emergency assistance and card replacement service available.
  • Discounts applicable at 800 leading restaurants across citites in India courtesy its treats program
  • New chip cards with an extra layer of security in the form of a Personal Identification Number (PIN)

Some charges associated with Instant Platinum Card offered by ICICI Bank are listed in the table below:

Interest Charges 2.49%
Joining Fee ₹ 199
Annual Fee ₹ 99
Late payment fee₹ 750

Axis Bank Insta Easy Card

Insta Easy Card is a popular credit card issued by Axis Bank. It comes with various features as listed below:

  • Offers highest level of security for authentication of credit payments and easy fraud detection.
  • Flexible credit limit that can vary up to 80% of the fixed deposit principal value.
  • Get 100% cash withdrawal facility

Some charges associated with Insta Easy Card offered by Axis Bank are listed in the table below:

Interest Charges 2.50%
Joining Fee Nil
Annual Fee Nil
Late payment fee₹ 700

FAQs

Which is the best credit card for rewards in India?

There are many cards belonging to the reward credit cards category in India with high reward point benefits. The top reward credit card is HDFC Bank Jet Privilege HDFC Bank World Card,HDFC Bank Infinia Card as it offers lowest interest charges with high reward points.

Which Bank`s Credit Card is Best?

Currently,ICICI Bank offers the most affordable credit card, Platinum Chip Credit Card at 1.99%. In addition to that, ICICI Bank offers the Platinum Chip Credit Card at nil joining fee.

Which credit card is best for online shopping in India?

Several credit cards are designed to fulfil the shopping needs of customers. Currently, Standard Chartered Bank offers the best online shopping card in India, Ultimate Card, Amazon Pay Credit Card. The card is associated with branch partners such as Amazon

Which bank gives credit cards easily in India?

Obtaining a credit card is easy if you have a stable source of income with a good CIBIL score of at least 700. Some of the top lenders of credit cards are SBI, ICICI Bank, HDFC Bank, Axis Bank, Standard Chartered Bank and HSBC Bank.


Credit Card News - Apr 2021
  • 2021-04-07 : AU Small Finance Bank launched Platinum Family Banking Program
    With an aim to increase serve its customers, AU Small Finance Bank has launched a Platinum Family Banking Program. The scheme will offer facilities of family banking as well as offerings such as preferential pricing, priority processing, onboarding offers, and a complimentary lifetime free debit card. Further, it will also provide a dedicated relationship officer to address the financial needs of the entire family.
  • 2021-04-05 : Yes Bank Jan-March deposits up 54% to 162, 947
    Yes Bank reported that the bank’s loan and advances which include home, personal, LAP, gold, two-wheeler, car and doctor loans along with business and mudra loans increased by 0.8% in year-on-year (YoY) terms to Rs. 172,850 crores. In addition to this, the bank deposit which includes fixed and recurring deposits grew 54.7% to Rs. 162,947 crores as compared to ₹105,364 crores on a yearly basis. The CASA(current and savings account) was up 51.8% to Rs. 42,587 crores against Rs. 28,063 crores YoY.
  • 2021-03-31 : New rules for recurring payments from April 1
    RBI stated that recurring transactions using debit cards, credit cards or UPI will need additional factor authentication from 1 April. Under the new norms, banks will be required to inform customers in advance about recurring payment due and the transaction would be carried the following a nod from the customer.
  • 2021-03-21 : SBI recorded digital transactions as high as 67%
    State Bank of India has recorded a considerable increase in its digital transactions. The bank reported 67% digital transaction in the post Covid period from earlier 60% in the pre Covid times. The increase is attributed to hike in e-commerce due to covid induced lockdown which restricted the movement.
  • 2021-03-17 : RBI to extend cheque truncation system across all bank branches
    RBI has decided to extend the cheque truncation system. CTS at present is operational at major clearinghouses of the country, across all bank branches. Further, the central bank clarified that banks will have to ensure that all their branches participate in image-based CTS by 30 September 2021.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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