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Best Credit Card in India 2021

Best Credit Card in India

Last Updated 29th Jul 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
Travel Credit Card HDFC Bank Jet Privilege HDFC Bank World Card,HDFC Bank Infinia Card,HDFC Bank Jet Privilege Diners Card

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Top 10 Credit Cards in India

Credit Card Name Best For Annual Fee
Coral Card Lifestyle NIL
HPCL Coral Card Cashback NIL
HPCL Coral Card Fuel NIL
My Wings Card Travel and Airline NIL
Insta Easy Card Low Fee NIL
Flipkart Axis Bank Credit Card Shopping NIL
Platinum Chip Credit Card Low Fee NIL
Coral Card NIL
HPCL Platinum Card NIL
Unnati Credit Card Rewards NIL

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 best  Credit Card issuers in India are listed as follows:

Best Credit Card for Online Shopping

Shopping credit cards are the most popular category of credit cards as it helps people save on shopping various items. Shopping card offers attractive cash back or reward points, every time you spend a certain amount on pre-specified categories on the card. The demand for such cards is so high that almost all the banks are offering these cards. You can enjoy cash backs, reward points and schemes like one plus one.

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

Citibank Rewards Card

Rewards Card are 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

In India there are plethora of lifestyle cards which are available in the country. 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. These cards designed to cater the customer base who wish to live a luxury lifestyle.

Some of the best Lifestyle 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 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 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

Best Travel Credit Cards in India

Travel and airline card give ease and convenience of travel if you are a regular and a frequent airline business traveller in India or to international destinations. These cards comes with exciting offers like air miles, hotel discounts, reward points on every spending etc. With these cards you can easily make the transactions in foreign country.

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

Fuel card helps in reducing your travel cost. This 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. You can avail minimum up to 5% cash back, fuel surcharge waiver. Some banks also offer cash backs on utility bills like electricity and mobile bills too.

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 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

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

Low fee card also known as no frill card let you pay negligible or zero joining fees and enjoy the convenience of spending on the credit cards without any add on benefits. These are best for the people who want to use credit card as a convenient mode of payment because they come with long credit free period and low interest rate. Also, you withdraw the cash whenever required.

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

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

Axis Bank Platinum Card

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

  • Offers highest level of security, enabled with chip and pin facility for easy fraud detection
  • Avail global emergency assistance service your card that provides you the facility to report the loss of card as well as request for an emergency replacement card

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

Interest Charges 3.25%
Joining Fee ₹ 500
Annual Fee ₹ 500
Late payment fee₹ 700

How MyLoanCare helps to select the Best Credit Cards in India?

  • Compare the interest rate of various credit cards at one place.
  • Get features and benefits of all the credit cards offered by banks.
  • You can choose the card as per your need from the list of cards.

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, Citibank offers the most affordable credit card, IndianOil Platinum Card at 1.99%. In addition to that, Citibank offers the IndianOil Platinum 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.

Do top credit cards have higher annual fees?

No, it is not necessary that top credit cards, also called premium credit cards in India offered by lenders, will have higher annual fees. Banks like ICICI Bank and HDFC Bank offer credit cards loaded with features and have minimal annual fees up to ₹ 199 and ₹ 500 respectively.

Which credit card in India offers the best travel benefits?

There are a plethora of banks available in India who offer travel credit cards. Best travel credit cards are HDFC Bank Jet Privilege, HDFC Bank World Card, HDFC Bank Infinia Card,HDFC Bank Jetprivilege Diners Card.

What are the best credit cards available for a wide range of dining benefits?

The cards which offer a host of benefits on dining are HDFC Bank Diners Club Black Card and HDFC Bank Superia Card because they offer 50% higher reward points on dining spends.

Will the lounge benefits with these top credit cards be free of cost?

It is not necessary that all the top credit cards come with lounge benefits. However, you can enjoy lounge benefits by availing HSBC Bank Premier Mastercard, HDFC Bank Superia Card, HDFC Bank Infinia Card, HDFC Bank Diners Club Black Card, HDFC Bank Jetprivilege Diners Card.


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*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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