Top Bank Credit Cards in India
Selecting a credit card that aligns with your spending habits and lifestyle is the only way to fully profit from credit cards. It could be challenging to choose just one credit card, though, given the abundance of choices. Select the best credit card for India in 2024 from the list of cards below. Then, see which credit cards are the finest in several areas, including rewards, cashback, travel, shopping, and cards with premium features.
Prominent credit card issuers in India, like Standard Chartered Bank, Axis Bank, HDFC Bank, SBI Card, and IndusInd Bank, provide a variety of cards to suit specific purposes such as grocery, movies, eating, petrol, and online shopping, or a combination of all of these. Prior to selecting a card, you need to weigh your possibilities. Choose the credit card that gives you the most value-back and delivers advantages better tailored to your spending habits. Here’s a list of some of the best credit cards available in India, together with information on annual fees and key benefits, to get you started on your credit card comparison.
In addition to the top credit cards listed above, there are other credit cards that are better in certain categories. The top 25 credit cards in India are further listed below in the following categories: Premium, Travel, Cashback & Shopping, Rewards, and Fuel. We have discussed the main advantages of the cards, a few of the reasons we think they are a good idea, and which credit card is the best in India in 2024 for each category. Depending on your preferences and spending habits, selecting the “best credit card” could be personal. You must constantly evaluate your spending to determine which credit card is best for you, if any.
1. Cashback SBI Card
Joining Fee: Nil
Annual Fee: Rs. 999
Refunds Although SBI Card is a relatively newcomer to the cashback credit card market, online buyers have taken to it with ease. With no restrictions on participating merchants, the card offers 5% reward on online transactions. This kind of credit card is very necessary, in contrast to most shopping credit cards that restrict the benefits to one or more retailers or spending categories.
| Key Benefits | Why we like it |
| 5% cashback on all online transactions without any merchant restrictions | High cashback rate for online transactions with no merchant restrictions |
| 1% cashback on offline transactions | Cashback directly credited to card account without the hassle of redemption or conversion |
| Cashback auto-credited to the card within 2 days of bill generation |
2. Axis Bank Ace Credit Card
Joining Fee: Rs. 499
Annual Fee: Rs. 499
Axis Bank Ace Credit Card is a good option for beginners looking for a high cashback rate at a nominal annThose who are new to credit cards and want a high cashback rate with a low annual fee can choose the Axis Bank Ace Credit Card. In addition to additional perks like meal discounts and access to airport lounges, the card offers up to 5% cashback on bill payments and online food delivery. The fact that there is no cap on how much cashback may be earned with this card is its strongest feature.
| Key Benefits | Why we like it |
| 5% cashback on bill payment, DTH recharge, and mobile recharge initiated via Google Pay | Highest flat-rate cashback in the market |
| 4% cashback on Swiggy, Ola and Zomato | No upper limit on the cashback earned |
| 2% cashback on all other spends | Cashback on multiple categories and top brands |
Flipkart Axis Credit Card
Joining Fee: Rs. 500
Annual Fee: Rs. 500
If you frequently shop on Flipkart app, then Flipkart Axis Credit Card is one of the best credit cards for you which can give you up to 5% cashback on Flipkart spends. In addition to Flipkart benefits, you also get up to 4% cashback on preferred partners, including Cleartrip, cult.fit, PVR, Swiggy, TATA PLAY & Uber, making it suitable for other everyday expenses as well with a considerable cashback on your spends.
| Key Benefits | Why we like it |
| 5% cashback on Flipkart | A good credit card for cashback |
| 4% cashback on shopping with preferred merchants | Cashback directly credited to the card account |
| 1.5% unlimited cashback on other categories | Beneficial for online shoppers |
HDFC Regalia Gold Credit Card
Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500
Registration Fee: INR 2,500
Fee per year: Rs. 2,500
One of the greatest credit cards in India for regular travelers is the HDFC Regalia Gold Credit Card. Along with free Club Vistara and MMT memberships, as well as flight vouchers as milestone perks, the card enables you to redeem prizes against Air Miles. The nicest thing about this card is that, unlike most cards, it allows you to earn rewards on purchases like utilities, insurance, and schooling. If you use your credit card a lot, this is a terrific credit card for you.
| Key Benefits | Why We Like It |
| 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital | Redemption of reward points through exclusive Gold catalogue |
| Complimentary Club Vistara and MMT Black Elite memberships as welcome benefits | Reward points on insurance and utility payments |
| Complimentary Priority Pass Membership on completing 4 retail transactions on the card | Complimentary flight voucher worth Rs. 5,000 as milestone benefit |
| 12 complimentary domestic lounge visits in a year |
Standard Chartered Platinum Rewards Credit Card
Joining Fee: Rs. 250
Annual Fee: Rs. 250
Standard Chartered Platinum Rewards Credit Card not only offers rewards on all your spends. Apart from the base reward rate on the usual retail purchases, you also get to earn exclusive 5X rewards on your fuel and dining spends. If you are looking for a credit card with rewards benefits at a low annual fee, then you can consider opting for this card.
| Key Benefits | Why We Like It |
| 5X reward points on every fuel or dining spend | Earn reward points on every spend |
| 1 reward point per Rs. 150 spent | Easily achievable fee waiver condition |
| Annual/Joining fee waived off on spending min. Rs. 500 within 30 days of card issuance or renewal |
ICICI Bank Emeralde Private Metal Credit Card
Joining Fee: Rs. 12,499
Annual Fee: Rs. 12,499
One of the greatest premium credit cards for rewards related to travel and lifestyle is the ICICI Bank Emeralde Private Metal Credit Card. For affluent individuals seeking unique benefits on their credit card in the areas of eating, travel, shopping, lifestyle, rewards, and rewards, the ICICI Bank Emeralde Private Metal Credit Card is the preferred choice. Along with many other perks, this credit card also entitles you to other premium privileges with complimentary lifestyle memberships like Priority Pass, EazyDiner Prime, and Taj Epicure. This may be the best option for you if you travel regularly or are searching for a card that offers respectable value-back on general lifestyle categories.
| Key Benefits | Why We Like It |
| Complimentary memberships to Taj Epicure, EazyDiner Prime and Priority Pass Program | 1:1 redemption ratio for the accrued reward points |
| Unlimited access to golf lessons or rounds as well as domestic & international lounges at select airports | Low forex markup fee of 2% |
| Buy one get one ticket free on BookMyShow bookings | Overall benefits on dining, movies & entertainment, golf and travel, along with exclusive concierge services |
| 6 reward points per Rs. 100 spent |
