Which credit card is best in India

Welcome to the gateway of financial empowerment – the realm of credit cards in India. In a landscape where choices abound and lifestyles vary, finding which credit card is best in India isn’t just a decision; it’s a strategic move towards financial optimization and lifestyle enhancement. Fear not, for you’ve arrived at the perfect juncture. In this concise yet comprehensive guide, we’ll navigate through the intricacies of India’s credit card offerings, empowering you to make informed decisions aligned with your unique needs and aspirations.

From cashback incentives to travel perks, from premium privileges to tailored rewards programs, India’s credit card market offers a plethora of options catering to diverse preferences. Our mission is simple: to demystify the complexities, highlight the key features, and guide you towards the credit card that best suits your lifestyle and financial goals. Join us as we embark on this journey towards financial freedom, unlocking the door to a world of unparalleled convenience and rewards.

In today’s dynamic financial landscape, navigating credit card options can be complex. Unsure of Which credit card is best in India ? Let’s embark on a journey to decode your financial needs and find the perfect fit. Are you ready to unlock your path to financial freedom?

Best credit cards according to categories

Best Credit Cards for Students	1. ICICI Instant Platinum Card 2. SBI Student Plus Advantage Card
Best Credit Cards for Salaried Individuals	1. Standard Chartered Platinum Rewards Card 2. Axis Bank Insta Credit Card 3. Citibank Cashback Credit Card
Best Credit Cards for Travelling	1. Axis Atlas Credit Card 2. Axis Bank Vistara Signature Credit Card 3. HDFC InterMiles Signature Credit Card 4. Standard Chartered EaseMyTrip Credit Card 5. IRCTC SBI Card Premier
Best Credit Cards for Cashback	1. Cashback SBI Card 2. Axis Bank Ace Credit Card 3. Flipkart Axis Bank Credit Card 4. Amazon Pay ICICI Credit Card
Best Credit Cards for Fuel	1. BPCL SBI Card Octane 2. IndianOil HDFC Credit Card 3. ICICI HPCL Super Saver Credit Card 4. HDFC Bharat Cashback Credit Card
Best Premium Credit Cards	1. HDFC Infinia Credit Card Metal Edition 2. SBI Aurum Credit Card 3. Axis Bank Magnus Credit Card 4. IndusInd Legend Credit Card
Best Credit Cards for Rewards	1. SBI Card Prime 2. HDFC Regalia Gold Credit Card 3. American Express SmartEarn™ Credit Card 4. IDFC First Millennia Credit Card

Credit Cards Overview and Comparison

The following are some of the best credit cards to retain in India. We’ve organized the material into numerous categories to assist you decide which credit card is best in India.

Best Credit Cards for Students

1. ICICI Instant Platinum Card:

The ICICI Instant Platinum Card is one of the best credit card in India for students with a lower credit score. It offers several benefits that can be appealing to students, including:

No annual fee: This can be a big advantage for students who are on a tight budget.
Rewards program: Earn 2 PAYBACK Points for every Rs 100 spent.
Discounts: Get discounts at over 800 restaurants through the Culinary Treats program and Rs 100 off on up to 2 tickets per month on bookmyshow.com.
Fuel savings: Avail a 2.5% fuel surcharge waiver if you spend a minimum of Rs 4000 on fuel at HPCL pumps.

Keep in mind: Approval rates are lower for those without a fixed deposit with ICICI Bank.

2. SBI Student Plus Advantage Card:

The SBI Student Plus Advantage Card is a great companion card for students who have availed of an SBI Education Loan. Here’s why:

Specifically designed for students: This card offers benefits tailored to student needs.
Wide acceptance: Use the card in India and abroad at over 24 million outlets.
Rewards program: Earn 1 reward point for every transaction above Rs 100 and redeem points to pay outstanding balance.
Fuel savings: Get a 2.5% waiver on fuel purchases between Rs. 500 and Rs. 3000 across petrol pumps in India.
Rewards on bill payments: Earn 10X reward points for paying utility bills.

Important: Requires an existing FD with SBI.

Best Credit Cards for Salaried Individuals

1. Standard Chartered Platinum Rewards Card:

Elevate your financial journey with the Standard Chartered Platinum Rewards Card, tailored for discerning salaried professionals, whether in government or private sectors. This card offers a seamless entry into the world of credit with zero annual or joining fees.

Enjoy a welcome reward of 1000 points on transactions within 60 days.
Earn 5x reward points on fuel and dining expenditures exceeding Rs 150, and 1x reward points on all other categories.
Relish a generous 20% cashback on Uber rides, making every commute a rewarding experience.
Seamlessly manage your finances with online banking, and receive an additional 500 reward points upon registration.
Unlock a plethora of discounts and offers across shopping, dining, travel, and more.

2. Axis Bank Insta Credit Card:

Empowering individuals with varying credit ratings, the Axis Bank Insta Credit Card stands as a beacon of accessibility. Backed by a fixed deposit with the bank, it offers a pathway to credit even for those with a less-than-ideal credit history

Earn 100 reward points with every online transaction, enhancing the value of your spends.
Enjoy a waiver of 2.5% on fuel-related transactions within the price range of Rs. 400 – Rs. 4000.
Avail of a joining fee waiver upon spending Rs. 5000 within 45 days, making it a truly cost-effective choice.
Redeem accumulated points from a diverse catalogue of gifts, enhancing your rewards experience.

3. Citibank Cashback Credit Card:

This credit card provides attractive discounts to the user by giving cashback and discounts on every transaction. It is very handy for salaried individuals as it saves a lot of money for the customer.

Experience the ease of payments with contactless transactions for amounts up to Rs. 2000, ensuring swift and secure transactions.
Enjoy a generous 5% cashback on utility payments such as telephone bills, electricity bills, and movie tickets.
Leverage cashback points to offset your monthly liabilities, providing substantial savings with every transaction.

Best Credit Cards for Travelling

1. Axis Atlas Credit Card:

Consider the Axis Atlas Credit Card if you’re a frequent traveler seeking maximum flexibility with your airfare. Unlike many airline credit cards, Atlas offers EDGE Miles, a redeemable currency for flights across various airlines and hotel stays with several programs. This card rewards you based on how much you spend. The more you use it, the more benefits you unlock, including complimentary airport lounge visits and exclusive travel privileges. While there is a joining fee of Rs. 5,000 and an annual fee of Rs. 5,000, the potential savings on flights and travel perks could outweigh the initial cost.

Upto 12 international lounge access per year.
Upto 18 domestic lounge access every year.
Upto 4 complimentary airport meet and greet services.

2. Axis Bank Vistara Signature Credit Card:

The Axis Bank Vistara Signature Credit Card caters to frequent flyers with premium perks. Relax in airport lounges, potentially earn free Vistara flights with everyday spending, and enjoy travel insurance. It rewards all purchases with points, but comes with a joining and annual fee of Rs. 3,000 each. Consider this card if you crave comfort, convenience, and travel rewards.

Earn 4 Club Vistara (CV) points per Rs. 200 spent across all categories. These points can be used for booking flights.
Get a Vistara Premium Economy class ticket as a welcome benefit in the first year and in subsequent years when you renew your card. You also get a complimentary enrolment in the Club Vistara Silver Membership Program.
Milestone Achievement Benefits – The card also offers bonus reward points and up to 4 complimentary premium economy tickets on reaching spending milestones, as shown below:
- 3,000 CV Points on spending Rs. 75,000 in the first 90 days of card issuance
- 1 Premium Economy Class ticket on spending Rs. 1.50 Lakh or more
- 1 Premium Economy Class ticket on spending Rs. 3 Lakh or more
- 1 Premium Economy Class ticket on spending Rs. 4.50 Lakh or more
- 1 Premium Economy Class ticket on spending Rs. 9 Lakh or more

3. HDFC InterMiles Signature Credit Card

HDFC InterMiles Signature Credit Card is a travel-focused credit card ideal for frequent flyers. Earn 12X rewards on hotel and flight bookings, along with exclusive benefits like Etihad Airways discounts and complimentary airport lounge access. However, rewards are redeemed through the InterMiles website. If you prefer to save on travel bookings with InterMiles, this card offers attractive benefits with a joining fee of Rs. 2,500. Minimum income requirement is Rs. 90,000 per month for salaried and Rs. 12 lakh per annum for self-employed applicants.

Earn InterMiles: You can earn up to 12 InterMiles per Rs. 150 spent on flight and hotel bookings via the InterMiles website, plus you get bonus InterMiles on joining and spending milestones.
Travel Benefits: Enjoy discounts on Etihad Airways tickets (up to 10% off) and complimentary airport lounge access with Priority Pass and Visa Lounge Program memberships.
Welcome Bonus: Get 8,000 bonus InterMiles and discount vouchers for flight and hotel bookings in the first year.
Renewal Fee Waiver: Spend Rs. 3 lakhs within a year to waive the renewal fee for the following year.
Other Benefits: Includes up to 50 days interest-free period, complimentary Dineout membership with dining discounts, and lost card liability cover.

4. Standard Chartered EaseMyTrip Credit Card

The Standard Chartered EaseMyTrip Credit Card is a travel credit card that rewards you with instant discounts and reward points for booking flights, hotels, and buses. Unlike some travel cards, you can earn benefits on EaseMyTrip and other travel websites and apps. You’ll get flat discounts on domestic and international flights and hotels, with complimentary domestic and international lounge access included. This card has a joining fee of Rs. 350 + GST and an annual fee of Rs. 350 + GST, which can be waived if you spend Rs. 50,000 or more in the previous year.

Travel Discounts: Get instant discounts on domestic and international hotels (up to Rs. 5,000 & Rs. 10,000 respectively) and flights (up to Rs. 1,000 & Rs. 5,000 respectively). You can also save Rs. 125 on bus bookings (min. Rs. 500 spend).
Extra Rewards on Travel: Earn 10x rewards for every Rs. 100 spent on flight and hotel bookings directly with airlines/hotels (excluding travel aggregators).
Rewards on Other Spends: Earn 2 reward points for every Rs. 100 spent on other purchases. (2 points = Rs. 0.50 on redemption)
Free Lounge Access: Enjoy 1 complimentary domestic lounge visit per quarter and 2 international visits per year via Priority Pass.

5. IRCTC SBI Card Premier

If you frequently travel by train, the IRCTC SBI Card Premier co-branded credit card, issued by SBI Card in collaboration with IRCTC, might be a perfect fit for you. This card offers a variety of benefits designed specifically for railway travelers, including complimentary railway lounge access, reward points on IRCTC bookings, and complimentary insurance coverage, all exceeding the offerings of the previous IRCTC SBI Platinum Credit Card. Standing out amongst other credit cards, the IRCTC SBI Card Premier caters to a niche market with its travel-focused benefits. However, the joining fees is Rs. 1,499 and renewal fees is Rs. 1,499 (Reversed on spending Rs. 2 lakh in a year)

Enhanced Travel Savings: Earn up to 10% value back on train tickets (AC classes) and e-catering purchases made through IRCTC, along with transaction fee savings on railway and airline bookings.
Rewarding Everyday Spending: Accumulate 3X reward points on dining and utility bill payments, offering additional value beyond travel.
Milestone Rewards Program: Achieve annual travel spends to unlock milestone benefits like bonus reward points and potential annual fee reversal.
Comprehensive Insurance Coverage: Enjoy complimentary rail and air accident insurance for peace of mind while traveling, along with fraud liability protection.
Exclusive Travel Privileges: Access complimentary railway lounge visits and fuel surcharge waivers, along with additional Visa cardholder benefits.

Best Credit Cards for Cashback

1. Cashback SBI Card

SBI Cashback Credit Card is a great option for online shoppers as it offers a flat 5% cashback on all online transactions, regardless of the merchant. This maximizes your potential value-back on everything you buy online, making it a competitive choice for online spending. However, keep in mind there is a joining fee of Rs. 999 and a renewal fee of Rs. 999 (waived if you spend Rs. 2 lakhs in the previous year).

Earn 5% cashback on all online purchases with no merchant restrictions (certain categories excluded).
Maximize cashback potential with a Rs. 5,000 limit per statement cycle on combined online and offline spending.
Reduce fuel costs with a 1% fuel surcharge waiver on petrol purchases between Rs. 500 and Rs. 3,000 (up to Rs. 100 monthly).
Extensive global acceptance at over 24 million outlets worldwide and 3.25 lakh locations in India.
Simplify bill payments through the convenient ‘Easy Bill Pay’ facility for utilities.

2. Axis Bank Ace Credit Card

Axis Bank ACE Credit Card offers a rewarding cashback program, with 5% on bill payments and recharges done through Google Pay, 4% cashback on Swiggy, Zomato & Ola, and a flat 2% cashback on all other spends. This card also provides additional benefits like complimentary domestic airport lounge access, fuel surcharge waiver, and dining discounts, making it a well-rounded option for everyday expenses.

Earn Up to 5% Cashback on essential bill payments and mobile recharges made conveniently through Google Pay.
Enjoy Accelerated Rewards on popular spending categories like Swiggy, Zomato, and Ola, maximizing your return on everyday purchases.
Complimentary Airport Lounge Access for a limited number of visits per year ensures a more relaxed and productive travel experience.
Fuel Surcharge Waiver helps you save on fuel station transactions, reducing the overall cost of your commutes.

3. Flipkart Axis Bank Credit Card

Consider the Flipkart Axis Bank Credit Card if you’re a frequent shopper on Flipkart and its partner websites. It offers a compelling cashback program, with up to 5% on Flipkart purchases, 4% on partner sites, and a competitive 1.5% flat rate on other spending. This positions it among the leading cashback cards in India, behind only the Axis Bank Ace Card’s 2% cashback. Keep in mind the annual fee of Rs. 500, which can be waived off if you spend Rs. 3.5 lakh or more in a year.

Earn cashback: You can earn up to 5% cashback on Flipkart purchases, 4% cashback on preferred merchants, and 1.5% cashback on all other spending.
Welcome benefit: Get a Rs. 500 Flipkart voucher and a discount on your first Swiggy order when you activate your card.
No cost EMI: You can convert your purchases on Flipkart into No Cost EMIs for tenures ranging from 3 to 24 months.
Other benefits: Enjoy 4 complimentary domestic airport lounge visits per year, 1% fuel surcharge waiver, and discounts at partner restaurants.

4. Amazon Pay ICICI Credit Card

Ideal for frequent Amazon shoppers in India, the Amazon Pay ICICI Credit Card offers a compelling rewards program with a lifetime fee waiver. This co-branded Visa card eliminates joining and annual charges, allowing you to earn Amazon Pay balance on both your Amazon purchases and everyday spending outside of Amazon. This makes it a well-suited option for those seeking to maximize their return on credit card spending.

Earn Cashback Everywhere: Get 3% cashback on groceries, flights, mobiles etc. on Amazon, and 2% cashback on recharges, bill payments, and adding money on Amazon.
Extended Cashback: Earn additional 2% cashback on entertainment, health, and food outside Amazon when paying through Amazon Pay.
Welcome Offer: Enjoy Rs.1,700 cashback and 3 months free EazyDiner Prime Membership worth Rs.1,095.
Bill Pay & Recharge Rewards: Get Rs.150 cashback on your first bill payment or shopping, and cashback benefits on prepaid recharges, electricity bills, and more.
Dining & Fuel Benefits: Save with a minimum 15% discount at partner restaurants and get 1% waived off on fuel surcharge across India.

Best Credit Cards for Fuel

1. BPCL SBI Card Octane

Offering a high reward rate of 7.25% on fuel purchases at select Bharat Petroleum Gas stations, the BPCL SBI Card Octane is a credit card well-suited for those with significant monthly fuel expenses, especially at BPCL outlets. This premium co-branded card also provides accelerated rewards on everyday spending categories like groceries, movies, and dining. Consider the joining fee of Rs. 1,499 (waived if you spend Rs. 2 lakh in a year) and the annual fee of Rs. 1,499 to see if the BPCL SBI Card Octane aligns with your spending habits.

High Fuel Rewards: Earn a significant 7.25% value back on fuel purchases at BPCL stations, combining reward points and waived fuel surcharge.
Welcome Bonus & Reward Flexibility: Get a Rs. 1,500 welcome bonus in reward points, redeemable for fuel purchases. Plus, earn points on various spending categories for maximum benefit.
Enhanced Convenience: Enjoy complimentary access to domestic airport lounges for a smoother travel experience.
Security: Benefit from fraud liability coverage of Rs. 1 lakh for peace of mind on business transactions.
Milestone Benefit: Potentially earn an additional Rs. 2,000 e-gift voucher on reaching annual spending milestones.

2. IndianOil HDFC Credit Card

A great choice for frequent drivers, the IndianOil HDFC Credit Card is a co-branded credit card that offers attractive fuel benefits. You can earn up to 50 litres of free fuel every year on top of accumulating generous ‘Fuel Points’ on your monthly spends. Consider the joining fee of Rs. 500 (waived if you spend Rs. 50,000 in the previous year) and the annual fee of Rs. 500 to see if the IndianOil HDFC Credit Card aligns with your spending habits.

Earn Up to 50 Liters of Free Fuel Annually: This card offers a tiered reward system where you can earn points on various spending categories, ultimately translating to free fuel.
Complimentary Membership: Get free membership to the IndianOil XTRAREWARDSTM Program (IXRP), potentially unlocking additional benefits at IndianOil stations.
Renewal Fee Waiver: Spend a specific amount annually to avoid the renewal fee, making the card more economical for frequent users.
Fuel Surcharge Waiver: Save on fuel surcharges on transactions above a certain amount, adding to your overall fuel savings.
Extended Interest-Free Period: Enjoy an interest-free grace period on purchases, allowing for better cash flow management.

3. ICICI HPCL Super Saver Credit Card

Consider the ICICI HPCL Super Saver Credit Card if you primarily gas up at HPCL stations and want to save on everyday purchases. This co-branded card offers a decent cashback of up to 5% on fuel spent at HPCL pumps, along with benefits on groceries and departmental stores. However, the cashback is limited to HPCL stations, which might be a drawback compared to other fuel cards. The joining fee is Rs. 500 and the annual fee is Rs. 500 (waived if you spend over Rs. 1,50,000 in a year). Weigh the benefits against the limitations to see if this card aligns with your spending habits.

Fuel Savings: Earn a decent 4% cashback up to Rs. 200 on fuel purchases at HPCL pumps, along with additional savings through the HP Pay app.
Reward Points on Everyday Spends: Get 5% reward points on groceries, departmental stores, and utilities, and 2 reward points on other retail purchases (excluding fuel, departmental stores and utilities).
Welcome Bonus & Cashback: Receive a welcome bonus of 2,000 reward points and Rs. 100 cashback on the HP Pay app upon joining.
Travel & Convenience: Enjoy complimentary 24×7 roadside assistance and one free domestic airport lounge access per quarter on meeting spending requirements.
Additional Benefits: Get discounts on movie tickets and access to exclusive dining offers through the ICICI Bank Culinary Treats Programme.

4. HDFC Bharat Cashback Credit Card

HDFC Bharat Cashback Credit Card, your ultimate companion for everyday savings. With this card, you enjoy an enticing 5% cashback on essential expenses like fuel, grocery shopping, mobile recharges, and more, allowing you to pocket significant savings of up to Rs.3,600. Plus, with a modest joining fee of Rs.500 and an annual fee of the same amount (reversed on spends exceeding Rs.50,000 in the previous year), it offers a hassle-free way to maximize your savings potential. At an attractive interest rate of 3.49% per month (41.88% p.a.), this card ensures that the more you spend, the more you end up saving. Don’t miss out on the opportunity to optimize your expenses and experience unparalleled convenience with the HDFC Bharat Cashback Credit Card.

5% Cashback Across Categories: Earn a flat 5% cashback on everyday purchases like groceries, fuel, railway bookings (IRCTC), bill payments & recharges, and even EMI transactions.
Travel-focused Rewards: Redeem your rewards for flight and hotel bookings through the InterMiles website.
Fuel Savings Potential: While the information doesn’t specify a fuel surcharge waiver, the 5% cashback on fuel spending can offer savings.
Convenience: Manage your finances with cashback benefits on various online payments and bill settlements.
Consider the Fee: This card has a joining fee, so weigh the benefits against your spending habits to see if it’s a good fit.

Best Premium Credit Cards

1. HDFC Infinia Credit Card Metal Edition

Introducing the HDFC Infinia Credit Card Metal Edition, a pinnacle of luxury and exclusivity in the realm of super-premium credit cards in India. Crafted for discerning individuals, this invitation-only card boasts unparalleled rewards and travel-centric benefits, including a minimal forex markup fee and unlimited access to airport lounges worldwide, catering to the needs of high spenders and frequent travelers alike. Elevating your lifestyle with sophistication and convenience, the HDFC Infinia Credit Card Metal Edition stands as a testament to refined taste and unparalleled privilege. With a joining fee of Rs. 12,500 and a renewal fee of the same amount, this card sets a new standard for prestige and excellence, ensuring that every transaction is an experience in luxury.

High Welcome Bonus & Renewal Rewards: Get a welcome bonus of up to 12,500 reward points and earn renewal points every year. This can significantly offset the annual fee.
Unlimited Airport Lounge Access: Enjoy a luxurious travel experience with unlimited access to over 1,000 airport lounges worldwide through Priority Pass.
Reward Points on All Spends: Earn attractive reward points on all your purchases, with bonus points for travel and shopping on SmartBuy.
Complimentary Golf & Concierge Services: Play unlimited golf games and access exclusive 24/7 concierge services for travel arrangements, dining reservations, and more.
Additional Benefits: Enjoy a low foreign currency markup fee, comprehensive insurance cover, interest-free credit period, and exclusive benefits at ITC Hotels.

2. SBI Aurum Credit Card

Indulge in a world of exclusive privileges with the SBI Aurum Credit Card, an invitation-only super-premium credit card designed for high net-worth individuals. This card caters to your every desire, offering comprehensive rewards programs, airport lounge access for seamless travel, premium entertainment memberships, and a dedicated concierge service to handle your every need. However, with a joining fee and annual fee of Rs. 9,999 + GST (waived off on spending Rs. 12 lakhs in a year), the SBI Aurum Credit Card is best suited for those who leverage credit card benefits frequently and across various categories.

High Reward Value for Frequent Spenders: While the base reward rate is low (1%), milestone benefits can be lucrative. Spend Rs. 12 lakh annually and get the annual fee waived off, or enjoy vouchers worth up to Rs. 10,000 at Taj, Luxe, and Tata Cliq.
Free Entertainment & Travel: Enjoy 4 free movie tickets worth Rs. 1,000 every month and unlimited international airport lounge access with the card.
Luxury Lifestyle Benefits: Get exclusive memberships like Amazon Prime, Discovery Plus, EazyDiner Prime, BB Star, Lenskart Gold, and Club Marriott for a year.
Travel Convenience: Access domestic airport lounges 4 times per quarter and enjoy 1 complimentary spa service per quarter at domestic airports.
Global Transactions with Ease: Benefit from a low foreign currency markup fee of 1.99% for international transactions.

3. Axis Bank Magnus Credit Card

The Axis Magnus Credit Card presents an enticing proposition for discerning consumers, boasting a generous reward earn-rate of 6% and accelerated earning on expenditures surpassing Rs. 1.5 Lakh monthly, making it an ideal choice for high spenders seeking optimal rewards. Alongside, cardholders enjoy unlimited access to both domestic and international airport lounges, with the added benefit of extending up to 4 visits to guests. Eligibility for this prestigious card is open to Indian Residents with an annual income of Rs. 24 Lakh or more. Despite recent devaluations, the Axis Magnus Credit Card remains an attractive option, offering comprehensive benefits and rewards, albeit with an annual fee of Rs. 12,500.

Travel: This card offers a welcome benefit with a choice between a complimentary domestic flight ticket or a voucher worth Rs. 10,000. Additionally, you get unlimited international lounge access and airport concierge services.
Rewards: Earn 12 EDGE Rewards points for every Rs. 200 spent, with accelerated rewards on travel bookings through partner sites.
Reduced Fees: Benefit from a waived annual fee if you meet spending requirements, along with a lower interest rate and reduced foreign transaction mark-up fee.
Global Assistance: The card provides medical concierge services, second medical opinions, and global travel assistance for emergencies.
Lifestyle Perks: Enjoy discounts at restaurants and entertainment options, along with special healthcare packages.

4. IndusInd Legend Credit Card

The IndusInd Legend Credit Card stands out as a top choice for those who love rewards and travel perks. With its emphasis on earning rewards faster during weekends and the ability to convert points into air miles at a favorable rate, it caters to savvy travelers and spenders alike. Additionally, cardholders enjoy complimentary Priority Pass membership and lounge access, ideal for frequent flyers seeking comfort and convenience. With a joining fee of Rs. 9,999 and no annual fee, this card offers a compelling value proposition. Discover more about the IndusInd Legend Credit Card’s extensive features and benefits today.

Weekend Reward Booster: Earn double reward points (2x) on your weekend spending, maximizing your points accumulation for everyday purchases.
Travel & Insurance: Enjoy complimentary travel benefits like airport lounge access (domestic and international), travel insurance, and concierge services for booking assistance and emergencies.
Movie Buff Perks: Get a complimentary movie ticket every month with BookMyShow, along with discounts on food and beverages.
Foreign Transaction Savings: Benefit from a low foreign currency markup fee of 1.8% and save on international purchases.
Fuel Savings & Protection: Get a 1% fuel surcharge waiver on petrol pumps across India and avail 24/7 auto assistance for roadside repairs and emergencies.

Best Credit Cards for Rewards

1. SBI Card Prime

The SBI Card Prime is your go-to card for a variety of benefits, covering everything from shopping to dining, flights, hotels, and more. It offers extra rewards on everyday expenses like groceries, dining out, and department store purchases, making it perfect for those who frequently spend in these categories. Plus, cardholders enjoy complimentary memberships to Priority Pass, Club Vistara, and Trident Red Tier, unlocking a world of travel privileges. With a joining fee of Rs. 2,999 and an annual fee of Rs. 2,999 (which can be waived off by spending Rs. 3 lakh in a year), this card offers exceptional value for those seeking comprehensive perks. Dive deeper into the benefits of the SBI Card Prime today.

High Reward Rate: Earn up to 20 reward points per Rs. 100 spent on dining, groceries, departmental stores and movies, allowing you to accumulate points quickly for redemption.
Welcome Bonus & Milestone Rewards: Receive a welcome bonus of Rs. 3,000 worth of e-gift vouchers and unlock further rewards like pizza vouchers and fee waivers upon reaching spending milestones.
Travel Benefits: Enjoy complimentary memberships with Trident Privilege Red Tier and Club Vistara Silver, offering exclusive discounts, bonus points, and lounge access for a seamless travel experience.
Additional Lounge Visits: This card grants you a total of 12 complimentary lounge visits per year (4 international & 8 domestic), ideal for frequent travelers.
Fuel Surcharge Waiver: Benefit from a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at any petrol pump, leading to savings on gas expenses.

2. HDFC Regalia Gold Credit Card

The HDFC Regalia Gold Credit Card is tailored for those who love to travel and earn rewards along the way. With an annual fee of Rs. 2,500, it offers fantastic perks for frequent flyers. Cardholders enjoy complimentary memberships to Club Vistara and MMT Black, as well as free access to both international and domestic airport lounges. Plus, they receive flight vouchers as milestone benefits. While the reward rate matches that of the HDFC Regalia Credit Card, the ‘Gold’ variant introduces an exclusive Gold Catalogue featuring premium brands where rewards can be redeemed, adding an extra layer of luxury to your experiences.

Earn & Redeem Rewards: Earn reward points on everyday spending and redeem them for travel bookings, exclusive merchandise, or cashback at a flexible rate.
Milestone Benefits: Reach spending milestones to unlock vouchers for shopping, travel, and hotel stays.
Priority Pass Membership: Enjoy complimentary airport lounge access for a relaxing travel experience.
Welcome Bonus: Get a welcome voucher upon card approval and spending a specific amount within 3 months.
Reward on Popular Stores: Earn bonus reward points on spending at popular brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital.

3. American Express SmartEarn™ Credit Card

The American Express SmartEarn™ Credit Card is designed with online shoppers and rewards enthusiasts in mind. With a minimal joining fee of Rs. 495 plus applicable taxes and an annual fee that can be waived off by spending Rs. 40,000 or more in the previous year, it offers affordability and value. Whether you’re a salaried individual earning Rs. 4.5 lakh per annum or self-employed with a minimum income of Rs. 6 lakh per annum, this card opens doors to a range of benefits including reward points on every purchase, bonus cashback, fee waivers, and enticing gift vouchers. Dive deeper into the features and perks of the American Express SmartEarn™ Credit Card to see how it can elevate your online shopping experience and reward your spending habits.

High Rewards on Popular Stores: Earn up to 10X Membership Rewards points on popular spending categories like Flipkart, Myntra, Zomato, and Amazon (with spending caps).
Welcome Cashback & Milestone Vouchers: Get Rs. 500 cashback as a welcome bonus and earn additional vouchers worth up to Rs. 1500 upon reaching spending milestones.
Renewal Fee Waiver: Avoid the annual fee by spending over Rs. 40,000 in the previous year.
Flexible EMI Options: Convert your purchases into easy monthly installments with competitive interest rates.
Fuel Savings: Enjoy waived convenience fees on fuel purchases at HPCL petrol pumps.

4. IDFC First Millennia Credit Card

Introducing the IDFC FIRST Millenia Credit Card – your gateway to enhanced rewards on everyday spending. With this card, the reward points you accumulate never expire, ensuring your efforts are always rewarded. What’s more, you can enjoy a host of benefits without any joining fee, making it accessible to all. With interest rates ranging from 0.75% to 2.99% per month, this card offers flexibility and affordability. Discover a world of perks with the IDFC FIRST Millenia Credit Card today.

High Rewards: Earn 10x reward points on spends above Rs. 20,000 and on birthday transactions, along with 3x points on all offline and 6x points on online purchases.
Welcome Bonus & Cashback: Enjoy gift vouchers worth Rs. 500 on spending Rs. 15,000 in the first 3 months and get 5% cashback on your first EMI transaction within 90 days.
Convenience: Benefit from interest-free cash withdrawals for up to 48 days.
Lifestyle Benefits: Get discounts on movies, dining at 1500+ restaurants, health and wellness outlets, and fuel surcharge waivers.
Travel & Security: Enjoy complimentary railway lounge access, personal accident cover, and lost card liability cover.

How to Select the Right Credit Card?

With so many credit card options, picking the right one can feel overwhelming. But fret no more! Here’s a simple guide to help you find the perfect fit:

1. Know Your Needs:

First, think about how you’ll use the card. Do you crave travel rewards, everyday cash back, or something specific like movie discounts? Credit cards generally fall into two categories: rewards cards (offering points or miles) and cash back cards (giving money back on purchases). Once you know your spending habits and preferences, you can choose the card that best suits your goals.

2. Compare and Conquer:

After narrowing down your choices, compare different cards. Look at interest rates, rewards programs (including bonus categories!), annual fees, and other charges. Remember, a lower annual fee doesn’t always mean a better deal. Some seemingly “free” cards might have higher interest rates or less rewarding programs.

3. Don’t Forget the Fees:

Always check all the fees before applying. Annual fees are common, but some cards waive them under certain conditions. Look beyond annual fees too, considering finance charges, cash advance fees, and over-limit charges. The interest rate, especially, can be a big deal. Paying your bill in full and on time helps you avoid these extra costs.

4. Perks are a Bonus, Not a Must:

Welcome bonuses, milestone rewards, and airport lounge access sound tempting, but don’t let them be the deciding factor. Focus on the core benefits that align with your spending habits.

By following these simple steps, you’ll be well on your way to finding the perfect credit card that rewards you for your spending!

if you have any questions or comments about credit cards or anything else, please contact us by visiting divineloanhub.com.