With over 400+ credit cards available in the market, it can get difficult to select the one that will suit your needs. To help you out, we have made this list of our top 35 credit cards, based on specific categories. We know that different people need different types of credit cards, like some need entertainment credit cards, while some need cards that do not have any annual fees. Keeping in mind all these factors, we researched all credit cards and then formed this guide for you.
If you are looking for a credit card that will suit your needs, then this guide will help you a lot. Here, we have categorized the credit cards based on the maximum benefits that they can provide and the highlighted benefits of each card.
Best Shopping Credit Cards
Online shopping has become a regular thing for people nowadays. Instead of walking to the store, it is far more convenient to sit in your room or office and order your groceries and clothes from the online market. Many credit card companies have made specific credit cards for online shopping which comes with huge discounts, rewards, and much more advantages. If you are looking for a credit card for online shopping, then we have selected the best ones for you. Here, we have a list of credit cards made specifically for online shopping, which will suit your needs.
1. HDFC Money Back Credit Card
The first card that we have on our list is the HDFC Money-Back credit card. This particular credit card provides you with the best cashback in the market. Moreover, it is the best credit card for beginners as it is easy to apply. You only have to pay INR 500 as an annual fee and then you can take advantage of all the benefits and cash backs that come along with the card. Even if you do not have a credit history, you can still apply for this particular card.
Annual Fee: INR 500 per year. If the card is approved within 3 months, an annual fee is waived off.
Why you should go for it?
The HDFC Money Back credit card is the easiest card to apply for. The best thing about this card is that you don’t need to have any credit card history for this card. Moreover, it comes with huge discounts and cash backs. If you are a regular online shopper, then this credit card will suit your needs.
Features
Earn Rate: You get 2 reward points for every INR 150 you spent
Cashback Requirement: For every 100 reward points, you get INR 20 as a cashback. You get a voucher of INR 500 once you spent INR 50,000
Est. Point Value:
- INR 150: 2 reward points (general spending)
- INR 150: 4 reward points (online transactions)
- 100 reward points: INR 20 cashback
Fuel Surcharge Waiver: Up to INR 250 for a month, at any gas station in India
2. SBI Simply CLICK Credit Card
If you love the services of SBI, then you would love their SBI Simply CLICK credit card for sure. This particular credit card is the perfect card for Amazon users. It comes with tons of benefits and rewards. One of the best things about this card is that you get a welcome gift of INR 500 from Amazon when you use this card for shopping. Other than that, the reward percentage is 2.50%, which is quite impressive. The annual fee of this credit card is less as compared to others. You get huge discounts, like 10% off on both Amazon and Flipkart shopping, and much more. The best thing is that, the expiration date of the reward points is 2 years.
Annual Fee: INR 499 per year. If annual spending is more than 1 lakh, the annual fee is waived off.
Why you should go for it?
Apart from the high reward percentage, this particular credit card comes with tons of benefits. You can get huge discounts while using this card on apps like Amazon, Book My Show, Urban Clap, Food Panda, and much more. Moreover, you can even withdraw 80% of the limited cash from the card.
Features
Earn Rate: You get 5 points for every INR 100 spent on online retailers.
Cashback Requirement: Get one rupee for every INR 100 you spend on general expenses
Est. Point Value:
- INR 100: 10 reward points (online shopping)
- INR 100: 5 reward points (online retailers)
- INR 100: 1 reward point (general)
3. Axis Bank Buzz Credit Card
If you are a regular Flipkart user, then you should get the Axis Bank Buzz credit card. you can instantly get discounts of 10% from Flipkart if you use the card in the first week of every month. Besides that, Axis even provides you with a gift voucher worth of INR 1000, after your first three online purchases. You can even get dinner benefits, up to 15% discount by using the credit card in any of the partner restaurants.
Annual Fee: INR 750 annually
Why you should go for it?
The Axis bank buzz credit card is the perfect credit card for Flipkart users. If you love online shopping and your destination is Flipkart, then you should apply for this credit card. Moreover, if you dine in any of the partner restaurants, then you would even get a huge discount of 15%.
Features
Earn Rate: For every INR 200 you spend, you will get 6 reward points.
Cashback Requirement: Get INR 500 anniversary bonus by spending INR 25,000 annually. You can even get INR 1000 anniversary bonus by spending INR 50,000 annually.
Est. Point Value:
- INR 200: 3 reward points (online shopping)
- INR 200: 2 reward points (general spending)
- 5 Edge points: 1 inter mile= INR 45; point redemption
4. SBI Simply Save Credit Card
For people who prefer to use credit or debit cards for daily transactions, the SBI Simply Save credit card will be a great add-on to their wallet. The credit card has some of the best offers for every shopaholic and is the most common credit card for online shopping. The best thing about this card is that, you get 10 times more reward points as compared to others. Moreover, you even get sign-up bonus points and gift vouchers when you use your card for the first time.
Annual Fee: INR 499 per year. If you spend more than 1 lakh in a year, annual fee is waived off.
Why you should go for it?
One of the best things about this credit card is that you can get massive bonus reward points. If you can spend INR 2000 within 60 days of receiving the credit card, then you can get bonus points of 2000, which you can use for online shopping. Moreover, the SBI Simply Save card provides you with extra reward points and tons of discounts on various apps.
Features
Earn Rate: For every INR 100 spent, you get 10 points
Est. Point Value
- INR 100: 10 points (on any online app)
- INR 100: 1 point (General spending)
Fuel Surcharge Waiver: Get 1% of fuel surcharge at any fuel station in India
Best Travel Credit Cards
Travelling can be expensive and if you are a person who constantly travels, then you would need a credit card to cover up all your expenses. One cannot always rely on savings to travel and to help you out, we have curated this list of best travel credit cards. These credit cards come with tons of benefits and is perfect for people who are always on “travel mode.”
5. Bank Of America Travel Rewards Card
If you want a credit card for your travel expenses and do not want to spend money on annual fees, then you should get the Bank of America travel rewards card. It is the best card for travel bloggers and businessmen who are always flying off to different places. The best thing about this credit card, apart from no annual fees, is that you don’t even have to pay any foreign transaction fees! Moreover, you get tons of rewards and bonus points for every dollar you spent.
Annual Fee: Nil
Why you should go for it?
The Bank of America Travel rewards card provides you with great bonus points. You can get 1.5 reward points for every dollar you spend. Besides that, you can spend your reward points on anything. Another impressive thing is that you can get 25,000 bonus points by spending 1000 USD within 3 months.
Features
Earn Rate: You get 1.5 reward points for every dollar you spend
Est. Point Value
- 1 USD: 1.5 reward points (general spending)
- 1 USD: 3 reward points (Travel booking)
- 1000 USD: 25000 reward points (if spent in the first 3 months)
Travel Perks
- No foreign transaction fees.
- 24*7 concierge service, luxury hotel stays and travel insurance for Visa Signature Card user
6. Amex Platinum Travel Card
We loved the Amex platinum travel card the most. It provides the best vouchers and reward points that one can think of. If you want to apply for this card, you have to pay INR 3500 and then INR 5000 as an annual fee. Talking about the reward points, you get an Indigo voucher worth INR 4000 as a membership bonus. You can even get a gift card of INR 7700 of SpiceJet, if you spend more than 1.90 lakhs in a year. Besides that, you can even get a Taj group gift card of INR 10,000 and a SpiceJet gift card of INR 11,800 if you spend more than 4 lakhs in a year.
Annual Fee: INR 5000 per year
Why Should You Go For It?
If you are a regular flier of Indigo or SpiceJet, then you should get this travel card. Moreover, you can even get a discount of 20% if you dine at partner restaurants. The reward points, vouchers and the gift cards are awesome and will be a great use for people who travel by Indigo or SpiceJet. The reward percentage is more than 8%, which is quite great as compared to other cards.
Features
Earn Rate: For every INR 50 you spend, you get 1 membership point.
Est. Point Value
- INR 0.40: 1 reward point (general spending)
- INR 100: 2.5 reward points (others)
- 1 reward point value: INR 0.50
Travel Perks
- Up to 4 free airport lounges per year
- Around the globe concierge service
- 5% + service tax for foreign exchanges
- Zero liability for lost card
Fuel Surcharge Waiver: Free waiver at HPCL fuel stations
7. Citi Premier Miles Credit Card
If you are looking for an all-rounder travel card, then you should go for the Citi Premier Miles credit card. It has some of the best offers that we have seen in a travel card. If you are using this card, then you can get high rewards and cashback. It is even suitable for shopping all across the country, as it provides with discounts up to 15%. Moreover, if you subscribe to the EazyDiner subscription of the card, then you can get rewards and cashback. It even provides you with nice sign-up bonus and you can even redeem your travel points.
Annual Fee: INR 3000 per year
Why you should go for it?
This particular credit card provides you with best discounts on lifestyle, dining, airport lounges, and much more. You can get INR 4500 as a welcome gift from the credit card. In addition to that, you can even get INR 1350 or 3000 miles per year, once you renew your card.
Features
Earn Rate: You get 4 miles for every INR 100 you spend.
Est. Point Value
- INR 100: 10 miles (airline transactions)
- INR 100: 4 miles (others)
- INR 45: 100 miles (online travel partners)
Travel Perks
- Best hotel deals across the globe
- 15% off on airport restaurants in Mumbai & Hyderabad
- Six airport lounges access per quarter
- Easy redeem of miles
Fuel Surcharge Waiver: You can get contactless payment worth of INR 2000 with the card. You can also get fuel charge waiver on Indian Oil with this card.
Best Fuel Credit Cards
Fuel cards are taking over the market rapidly. Credit card companies are making more fuel credit cards to suit with the need of the customers. Here we have made a list of the best fuel credit cards that will help you to find the one that is suitable for you.
8. Indian Oil CITI Credit Card
If you are looking for a fuel credit card that will not only provide you with fuel benefits, but also discounts on dining, hotel booking, and much more, then you should go for the Indian Oil CITI credit card. The best thing about this credit card is that it provides you with 71 litres of free fuel every year. If that is not exciting enough, then the credit card even has some of the best features you will see. If you are using this credit card in IOC fuel stations, then you do not have to pay any fuel surcharge. Moreover, the card even provides you with nice discounts on dining and hotel booking with the partnered services.
Annual Fee: INR 1000 per year. If you spend more than INR 30,000 in a year, annual fee will be waived off.
Why you should go for it?
You should definitely get the Indian Oil CITI credit card if you need a good fuel card. The free fuel per year will be a great bonus for you and you can even get exciting offers on all the partner restaurants and hotels. Moreover, this particular credit card automatically converts all the big expenses into EMIs.
Features
Earn Rate: For every INR 150 you spend in an IOC fuel station, you get 4 turbo points.
Est. Point Value
- INR 150: 4 turbo points (in IOC outlets and partners)
- INR 150: 2 turbo points (grocery shopping)
- INR 150: 1 turbo point (general)
- 1 Turbo point: 1 Rupee (Fuel redemption)
- 1 Turbo point: 0.30 paise (others)
Fuel Surcharge Waiver: No payment for fuel surcharge for using the credit in IOC fuel station.
9. ICICI Bank Coral Contactless Credit Card
If you are a beginner and need a fuel credit card, then you should try out the ICICI bank coral contactless card. It comes with tons of benefits and is easy to use. Besides that, you even get nice travel perks, like discounts on dinner, hotel bookings and even access to MasterCard lounges in airports. In addition to this, you even get two complimentary movie tickets every month. The rewards and vouchers of this particular card will suit your needs.
Annual Fee: INR 500 per year. If you spend more than INR 1.5 lakh in a year, annual fee is waived off.
Why you should go for it?
The ICICI bank coral contactless credit card is one of the best fuel cards that comes with tons of vouchers and benefits. Moreover, the reward rate of this card is more than other cards. It has micro-chip in it along with a PIN, to ensure that the card is not copied.
Features
Earn Rate: For every INR 100 you spend, you get 2 PAYBACK points
Est. Point Value
- INR 100: 2 PAYBACK points (except fuel)
- INR 100: 1 PAYBACK point (utilities and insurance)
- INR 2 lakh: 2000 PAYBACK points (general)
- INR 1 lakh: 1000 PAYBACK points (general)
Travel Perks
- 15% off on dinner from partner restaurants
- MasterCard lounge access in Indian airports
Fuel Surcharge Waiver: Get 1% fuel surcharge every time you spend less than INR 4000 in a HPCL fuel station
10. HSBC Visa Platinum Credit Card
If you need a fuel card but don’t want to pay any annual fees for the card, then you should go for the HSBC Visa Platinum credit card. It comes with tons of offers and is even suitable for shopping and dining. Moreover, if you make a transaction within the first 2 months of receiving the card, then you can get nice offers. Some of the offers include free airport lounge access for both international and domestic flights.
Annual Fee: Nil
Why you should go for it?
You should go for the HSBC platinum credit card as it comes with really nice offers. There is no annual fees and you get tons of benefits if you make your first transaction within 60 days. Besides that, the fuel surcharge waiver is also good in this card. Moreover, you even get movie vouchers from BookMyShow, by spending around INR 50,000 in a year.
Features
Earn Rate: For every INR 150 you spend, you get 2 reward points
Cashback Requirement: You can get 10% cashback by spending a total of INR 10,000 in at least 9 transactions within 3 months.
Est. Point Value
Travel Perks
- 15% discount for dining in over 1000 partner restaurants
- Two airport lounge access in domestic and international airports
- Meal vouchers in airport restaurants
Fuel Surcharge Waiver: 2.5% fuel surcharge on transactions between INR 400 to INR 4000 at any fuel station in India
11. Standard Chartered Super Value Titanium Credit Card
If you are a person who loves managing money and keeping a strict budget for all your expenses, then this particular fuel card is made for you. It comes with tons of rewards and cashbacks and will help you in maintaining your budget. It is not only an excellent fuel card, but is even useful for getting loans from banks within 2 days. Moreover, the card is even suitable for contactless payments and online banking.
Annual Fee: INR 750 per year. If you spend more than INR 90,000 in a year, the annual fee is waived off
Why you should go for it?
The Standard Chartered Super Value credit card is the best fuel card for getting loans and transferring balance from other credit cards with a nice interest. The credit card is highly secure and anyone can apply for this credit card. Even if you are a self-employed person and earn more than INR 6,60,000 per year, then you can easily apply for the credit card.
Features
Earn Rate: For every INR 150 you spend, you get one reward point
Cashback Requirement: Get 5% cashback for spending a minimum INR 750 per month, on fuel at any fuel station
Est. Point Value
- INR 150: 1 reward point (general)
- For every overseas point-of-sales expenses, you get 5X reward points
Best Rewards Credit Cards
All credit card provides some benefits like reward points, dining discounts, vouchers, cashbacks, and much more. But, not all credit cards provide you with good reward points. The reward points that a credit card provides can be used to get certain gifts and other benefits. Moreover, these reward points will help you in saving money in many situations. Instead of spending money on online shopping, you can use your reward points for buying stuff. Here are some of the credit cards that are known for providing the best reward values.
12. HSBC Smart Value Credit Card
The first rewards credit card that we have in this list is the HSBC Smart Value credit card. The best thing about this credit card is that there is no joining fee. As a joining bonus, you get a voucher worth of INR 200 from BookMyShow for two months. In addition to that, you get a free subscription to Gaana+ for three months by using a credit card. The cashback value of this card is amazing and you would be able to save money effectively.
Annual Fee: INR 499 for the first year. If you spend more than INR 50,000 in a year, then the fee for the second year is waived off.
Why you should go for it?
You should select the HSBC Smart Value credit card as it comes with nice offers. You can get 3X reward points if you use your credit card for paying telecom, hotel and dining bills. Moreover, you can even get items on EMI at an interest rate of 10.99% per annum. Besides that, you will also get vouchers from Cleartrip and Amazon within 30 days of the card.
Features
Earn Rate: For every INR 100 you spend, you get 1 reward point
Cashback Requirement: Get 10% cashback by spending a minimum total amount of INR 5000 in 5 transactions within 2 months of receiving the card.
Est. Point Value
- INR 100: 1 reward point (general)
- Get 3X reward points on using the card for dining, hotel and telecom bills
- Redeem vouchers and gifts from the HSBC reward catalogue
13. YES Prosperity Reward Plus Credit Card
The next card that we have in the rewards credit card section is the YES Prosperity reward plus credit card. The best thing about this card is that there is no joining and annual fee. Apart from that, you even get a signing bonus of 1250 reward points, if you spend INR 5000 within the first month of card usage. Moreover, the redemption options for this card is really nice. You can get anything from the catalogue of rewards from the card.
Annual Fee: Nil
Why you should go for it?
You should get the YES prosperity reward plus credit card as it gives you an opportunity to earn rewards in many places. Moreover, the redemption rate and the milestone bonus of the credit cards are amazing. You can save tons of money with the help of the reward points that you get from the card.
Features
Earn Rate: For every INR 100 you spend, you get 2 reward points
Est. Point Value
- INR 100: 3 reward points (dining and online expenses)
- INR 100: 4 reward points (international expenses)
- INR 100: 2 reward points (general)
- INR 100: 5 reward points (birthday expenses)
- For every YES PayNow registration: 500 reward points
- 4 reward points: 1 JP Miles
- INR 3.6 lakh per annum: 12,000 reward points
- 4 transactions of INR 500 each (monthly): 100 reward points
14. HDFC Freedom Credit Card
If you are looking for a credit card where you can get decent rewards and don’t have to pay much for the annual and joining fee, then you should apply for the HDFC Freedom Credit Card. Moreover, you even get insurance covers for fire, burglary and even accidental death insurance covers. You even get milestone bonus and nice redemption options for all your reward points.
Annual Fee: INR 500 per year. If you spend more than INR 60,000 in a year, the annual fee gets waived off.
Why you should go for it?
If you need a credit card that not only provides you with high rewards but also vouchers and other benefits, then you should go for the HDFC freedom credit card. You get gift vouchers worth of INR 1000 after spending more than INR 90,000 in a year. There are even cashback options in return for rewards.
Features
Earn Rate: For every INR 150 you spend, you get 1 reward point
Est. Point Value
- INR 150: 1 reward point (general)
- 5X reward points, if you use the card for shopping
- 10X reward points, if you use the card for PayZapp and SmartBuy
- 25X reward points for using the card on birthday expenses
- Spend INR 90,000 in a year and get vouchers of INR 1000
15. Standard Chartered Platinum Rewards Credit Card
The Standard Chartered Platinum rewards credit card comes with nice offers at a minimum annual and joining fee. You only have to pay INR 250 as a joining fee and then an annual fee of INR 250 per year. It provides some nice rewards for everyday spending and even on expenses on fuel and dining. If you are not sure about reward credit cards and need one to try out, then start with this particular card. You would be able to save money with the reward structure of the credit card.
Annual Fee: INR 250 per year
Why you should go for it?
If you are new to rewards credit cards and need one to experiment, then this particular credit card is made for you. Moreover, if your transaction is more than INR 5000, you can even convert it to EMI with this card. Besides that, you can even convert the entire balance (maximum INR 5 lakh) into EMI without paying a single penny for the processing fee.
Features
Earn Rate: For every INR 150 you spend, you get 1 reward point
Est. Point Value
- INR 150: 1 reward point (general)
- INR 150: 5 reward points (dining and fuel)
- Get 5X reward points on shopping
Best Cashback Credit Cards
Who doesn’t love getting cashbacks for every expenditure? Well, to encourage people to use credit cards, companies are providing exciting cashback offers on all kinds of expenditure. Moreover, you can even save money with the cashback offers. If you are looking for a credit card which will provide you with the maximum cashback, then we have the best ones for you. Here we have listed out the best credit cards that offers amazing cashback offers for the users.
16. Axis Bank My Zone Credit Card
The Axis My Zone credit card is one of the best credit cards from the bank. It is best known for its cashback offers along with other vouchers and signing bonus. The joining and annual fee is only INR 500 and if you spend INR 5000 within the first 45 days, then you don’t have to pay the joining fees. Besides that, you can get around 25% cashback by using the cards for booking movie tickets. Moreover, you even get high reward points if you use the card during the weekends. It is the best card to use for parties and watching movies as it provides nice offers.
Annual Fee: INR 500 per year
Why you should go for it?
Apart from the amazing cashback offers, the My Zone credit card even has nice interest rates and is best for people who need bonus and vouchers for online shopping and as such. You even get bonus reward points while using the card for the first time for online shopping. You even get free airport lounge access by using the card.
Features
Earn Rate: For every INR 200 you spend, you get 4 reward points
Cashback Requirement: Get 25% cashback by using the card for booking movie tickets
Est Point Value
- INR 200: 4 reward points (general)
- INR 200: 20 reward points (online shopping on weekdays)
- INR 200: 40 reward points (online shopping on weekends)
- Get 100 reward points by using the card for online shopping
- Get 10X reward points by using the card for dining during weekends
- Get 5X reward points by shopping at partnered stores
Travel Perks
- 4 complimentary free airport lounge access per year in India
Fuel Surcharge Waiver: Get 1% fuel surcharge at any fuel station in India for transactions between INR 400 to INR 4000
17. HDFC Bharat Cashback Card
The next cashback card that we have on this list is the HDFC Bharat cashback card. It does not have much reward point offers, but when it comes to cashback, you can get cashbacks on every transaction you make. By using this card, you can get up to 5% cashback for groceries, mobile recharge and much more. Moreover, you can redeem the cashback points for actual cash and later use it for other expenses.
Annual Fee: INR 500 per year. If you spend more than INR 50,000 in a year, then the annual fee will be waived off.
Why you should go for it?
Talking about the benefits that you can get from this card, there are tons to mention. You can get accidental coverage, if you use this card to make four monthly transactions of value INR 100. Besides that, you can even get death insurance up to INR 50 lakhs and also insurance cover for theft of INR 2 lakhs.
Features
Earn Rate: For every rupee you spend, you get 1 reward point.
Cashback Requirement: Get 5% cashback for using the card on groceries, fuel, mobile bills, etc. You can get cashback of 5% by using the card to make payments on SmartBuy, EasyEMI and PayZapp.
Fuel Surcharge Waiver: Get 1% fuel surcharge waiver in any fuel station across India, by using the card.
18. Kotak Delight Platinum Credit Card
The Kotak Delight Platinum credit card is one of the most referred credit cards by experts. You get nice cashback offers, vouchers and can save money easily. Moreover, you even get cashback for every transaction you make. Moreover, you can get a cover of around INR 1.25 lakhs in case of theft or misplacement of the card. You even get options for cashback. One of the most famous options is that you can either get INR 750 as a cashback or 4 PVR tickets, if you spend more than INR 1.25 lakhs in every six months.
Annual Fee: INR 299 per year.
Why you should go for it?
If you need a credit card that can offer you with nice lifestyle bonus and vouchers, then you should go for this card. The cashback rate of this credit card is high as compared to others in the field. You will even get 2 vouchers from BookMyShow, the first time you use this card. It would help you to save money and maintain a nice lifestyle at the same time.
Features
Cashback Requirement
- Get 10% discount on dining and movies
- You can either opt for a cashback of INR 1500 per year or 8 PVR tickets
- For transactions over INR 10,000, you get 10% discount for any movie tickets
- Maximum cashback for each cycle in dining and entertainment is INR 600
Fuel Surcharge Waiver
- Get fuel surcharge waiver of INR 4500 per year. The waiver is valid for transactions between INR 400 to INR 4000
- Get fuel surcharge waiver of INR 500 on railway ticket bookings
- Get 2.5% fuel surcharge waiver at the Indian Railways booking counter
- Get up to 1.8% waiver by booking at the Indian Railways website
Best Entertainment Credit Cards
Entertainment credit cards, as the name states are designed specifically for entertainment usage. If you are one of those people who love partying, watching movies and dining at restaurants, then entertainment credit cards are your type. They do not provide much rewards or cashbacks but they do give you tons of discounts on movies and dining. Here is a list of some of the best entertainment cards that we found to be suitable.
19. Kotak PVR Credit Card
As the name states, the Kotak PVR credit cards is made for those who love watching all first show first day. It does not have much rewards or cashback offers, but will provide you with the best tickets so that you can enjoy your show. The Kotak PVR card comes in two forms: Platinum and Gold, and the benefits are quite the same. You can get up to 24 movie tickets per year by spending a threshold amount for your expenses. You can even get cashback for every movie ticket booking.
Annual Fee: INR 499 per year (for gold)
Why you should go for it?
If you do not need much reward points or cashback and vouchers, but need a card specifically for watching movies, then you should get a Kotak PVR credit card. It provides you with 2 free PVR tickets once you spend more than INR 15,000 in a month. Besides that, you get cashback for every ticket booking you make.
Features
Cashback: Get 5% cashback for every movie ticket booking. Get 15% cashback on food and drinks in PVR theatres
20. SBI Elite Credit Card
If you are looking for a credit card that can not only provide you with entertainment benefits, but also benefits for travel and shopping, then you should go for this particular card. Though the annual fee is quite high as compared to other credit cards, the benefits are quite extravagant too. By signing up for this credit card, you can get free tickets worth of INR 6000 for free, per year. Besides that, you get a bonus of 50,000 reward points every year. You will even get an e-gift voucher as a signing voucher which is worthy of INR 5000.
Annual Fee: INR 4,999 per year. If you spend more than 10 lakh in a year, the annual fee gets waived off.
Why you should go for it?
Apart from the amazing entertainment benefits that the credit card provides, you will get amazing offers on fuel surcharge and milestone bonus. You will get complimentary movie tickets from BookMyShow worthy of INR 6000 per year. Moreover, you can even get a discount of INR 250 on every ticket you book.
Features
Earn Rate: For every INR 100 you spend, you get 2 reward points.
Est. Point Value
- 4 reward points: 1 rupee
- INR 100: 10 reward points (dining, groceries and departmental stores)
- INR 100: 2 reward points (general spending except on fuel)
- INR 3 lakh- 4 lakh per year: 10,000 reward points
- INR 5 lakh per year: 15,000 reward points
- INR 8 lakh per year : 15,000 reward points (additional)
Travel Perks
- Six international and two domestic airport lounge access per year
- Complimentary membership to Club Vistara
- Trident privilege membership
- Visa privileges
21. SBI Card Prime
The next entertainment card that we have for you is the SBI Card Prime. It has some of the nicest benefits that we have seen and is even affordable. The annual fee is quite less compared to other entertainment cards and you get tons of vouchers and benefits from the card. Besides that, you get high reward points for every INR 100 you spend. The card even offers a free movie ticket every year to its users. You even get to experience some of the premium benefits from this card.
Annual Fee: INR 2,999 per year. If you spend more than INR 3 lakh in a year, then the annual fee is waived off.
Why you should go for it?
Apart from the amazing benefits, you even get to have some nice welcome gifts. One of the most exciting welcome gifts from SBI Card Prime is the e-gift voucher of INR 3000 from any of the partner brands like Pantaloons, Yatra.com or Shoppers Stop. The rewards program of this card is also amazing and you can earn rewards all the time. You can use these reward points to book movie tickets and get dining discounts too.
Features
Earn Rate: You get 2 reward points for every INR 100 you spend
Est. Point Value
- INR 100: 10 reward points (dining, movie tickets, groceries, departmental stores)
- INR 100: 2 reward points (general)
- INR 100: 15 reward points (Big Basket)
- INR 100: 20 reward points (utility bills)
- 4 reward points: 1 rupee
- INR 100: 20 reward points (birthday expenses)
Travel Perks
- 4 complimentary international airport lounge access
- 8 complimentary domestic airport lounge access
- 4 Green Fee waiver per year (golfing)
Best Premium Credit Cards
Premium credit cards are designed for a specific type of facility for the user. There are various kinds of premium cards designed for international tours, for golf courses, regular users, and much more. To help you out in selecting the best premium card, we have made this list for you. The below premium credit cards are some of the most popular cards in the market.
22. HDFC Bank Regalia First Card
The first premium credit card that we have is the HDFC Bank Regalia First card. This card is made for people who are always on international tours. The joining fee and the annual fee for the card is INR 1000 each. You get to have tons of benefits from the card like lifestyle and travel benefits. Moreover, the reward values are also amazing and you can even redeem them for flight tickets.
Annual Fee: INR 1000 per year. If you spend more than INR 3 lakh in a year, the annual fee will be waived off.
Why you should go for it?
If you are a person who is always seen on international flights and needs travel benefits, then you should go for this premium card. The card even offers you a joining bonus of 1000 reward points, which you can later redeem for free flight tickets. Moreover, the card even provides you with free insurance, hospitalization and accidental flight death.
Features
Est. Point Value
- INR 6 lakh per year: 7500 reward points (general)
- Joining bonus of 1000 reward points
Travel Perks
- Get a discount of 15% on premium restaurants all over India
- Priority pass membership, allowing you access to more than 700 airport lounges
- Get free access to 8 domestic airport lounges each year
- Mark up fee of 2% on foreign currency for international travelling
23. HSBC Premier Master Card
If you are a golf enthusiast, then the HSBC Premier Master card is made for you. Though the card does not have any reward points or benefits on other facilities, but it provides you with tons of golf benefits. The best thing about this card is that there is no annual fee for the card. You can get access to all the finest golf courses in India and abroad, without having to pay anything as an annual fee.
Annual Fee: Nil
Why you should go for it?
The HSBC Premier Master card is made specifically for people who love playing golf. With a single card you can get to play golf at any fine course in any country. Moreover, you even get to have certain golf benefits from the card too.
Features
- Free membership with discount
- Access to more than 2000 golf courses all over the world
- Get access to all the finest golf courses in India
- Get free five games on Indian golf courses
24. HDFC Infinia Credit Card
If you are looking for a premium credit card that provides you with tons of benefits and does not have any pre-set spending limit, then you should check out the HDFC Infinia credit card. Though the joining fee is quite high as compared to other credit cards, but it provides with nice benefits. You get to have travel benefits, dining benefits and even rewards on every expenditure. Another interesting thing about this card is that the reward points for the card will expire after three years.
Annual Fee: Have to pay a joining fee of INR 10,000
Why you should go for it?
The HDFC Infinia credit card does not have any spending limit, hence allowing you to have control over your expenses. Besides that, you even get benefits like complimentary golf games in some of the best courses in the country. You even get discounts for dining and lifestyle expenditure.
Features
Earn Rate: For every INR 150 you spend, you get 5 reward points
Est. Point Value
- INR 150: 5 reward points (general)
- Convert reward points into Miles and use them to get free tickets
Travel Perks
- 2% foreign currency mark-up on every international expenditure
- Access to more than 1000 lounges all over the world
- Get 20% off on weekends at Marriott hotels in Asia Pacific
- 20% off on selected restaurants and lifestyle stores
- 100% green fee waiver for primary card holders
- 15% off on dining at more than 3000 restaurants
25. Citi Prestige Credit Card
The Citi Prestige credit card is made for golf enthusiasts in the country. This particular premium card gives you the access to some of the best premium golf courses in the country. Besides that, it is super easy to apply for a card. You can either apply through online method or by visiting the bank. The Citi Prestige credit card even provides you with free green fees at selected golf courses all over the world.
Annual Fee: Nil
Why you should go for it?
If you are looking for a premium card that can provide you with good golf benefits inside the country, then you should apply for the Citi Prestige credit card. The benefits are quite good and you do not have to go through tons of procedures to get the card.
Features
- Free green fees at selected golf courses all over the world
- Access to premium golf courses in India
- Get 4 free golf lessons each year in the best 15 Indian golf clubs
- Get 4 free rounds of golf every year, at 15 selected Indian golf clubs
26. ICICI Bank Credit Cards
If you need a premium card to help you out in golfing sessions, then the ICICI bank credit card is the best option for you. It is best for beginners as it provides nice golfing benefits at some of the finest golf clubs in the country. The joining fee is quite less as compared to others, and you get to have access to the best golf courses in the country.
Annual Fee: Nil
Why you should go for it?
For beginners, the ICICI bank credit card is the best option to try out golfing. Moreover, you get to have nice benefits by only paying INR 500 as the joining fee. Besides that, you even get to have free rounds every year by using the card.
Features
- Free golf rounds in Indian golf courses every year
- Save on green fees
- Get additional rounds
- Exclusive benefits at eight Indian golf clubs
- Access to the best nine golf clubs in the country
Best Credit Card In India With No Annual Fee
If you want to try out credit cards but are sceptical about the annual fees, then you should go for credit cards that do not have any annual fees. Certain banks have created credit cards with no annual and joining fees, specifically for the beginners. These cards will help you know the usage and benefits of credit cards. Here is a list of the best credit cards that do not charge any annual fees to its user.
27. Amazon Pay ICICI Bank Credit Card
The first card that we have in this category is the Amazon Pay ICICI bank credit card. If you love shopping from Amazon, then this card will be a boon for you. Amazon collaborated with ICICI and made this card for its potential users. Moreover, it is a Lifetime free credit card that comes with tons of benefits. The cashback offers are amazing and you get to use all the facilities of Amazon.
Annual Fee: Nil
Why you should go for it?
For a person who loves shopping on Amazon, this card is a must. Even if you have never used a credit card, this would be a great opportunity for you to try it out. Besides that, you don’t even have to pay any joining and annual fees and get amazing cashback and reward points for every purchase you make.
Features
- No earning limit
- No expiry dates for the earnings on the card
- Get 5% cashback for every transaction made with this card (for Prime members)
- Get 3% cashback for every purchase from Amazon (non-Prime members)
- Earn 2% through transactions made with partner merchants
- Earn 1% for every general transaction made
- Get fuel surcharge waiver of 1% at HP stations, for transactions of INR 4000
- Get 15% off on dining at select restaurants
28. ICICI Platinum Chip Credit Card
The next credit card that we have on this list is the ICICI platinum chip credit card. It is one of the best credit card that you can get as a beginner. Though you have to pay the annual fee of INR 499 for the first year, it would be waived off from the upcoming year. Besides that, the card provides you with nice PAYBACK points for every transaction you make.
Annual Fee: INR 499 for the first year
Why you should go for it?
The ICICI Platinum chip credit card is the easiest card to apply. Besides that, you get to have the benefits of reward points and travel perks. For every transaction you make, you will earn some reward points, that you can use for later purchase. You can even redeem your reward points for free movie tickets and travel vouchers
Features
Earn Rate: For every INR 100 you spend, you get 2 PAYBACK points
Est. Point Value
- INR 100: 2 PAYBACK points (except fuel)
- INR 100: 1 PAYBACK point (utilities and insurance)
29. Central Bank Of India Titanium Credit Card
For people who love traveling, this particular credit card will be a great add-on. You can get all the travel perks and vouchers without having to pay a single penny for the joining fee and annual fee. Besides that, this credit card will help you with your shopping expenses. For every transaction, you will get loyalty points and even exciting vouchers.
Annual Fee: Nil
Why you should go for it?
If you need a card to help you manage your shopping bills and earn rewards for every transaction, then you should definitely apply for this card. You will even get a credit free usage for 55 days and the card won’t even charge you for add-on cards.
Features
Earn Rate: For every INR 100 you spend, you will get 1 loyalty point
Travel Perks
- Complimentary lounge access in selected airports in India
30. Kotak Urbane Gold Credit Card
If you need a credit card for your shopping and movie expenses, then you should try applying for the Kotak Urbane Gold credit card. However, you would have to pay an annual fee of INR 199 every year. But, if you around INR 15,000 within 3 months of receiving the card, then the fee will be waived off. Talking about the rewards, you will get reward points for every transaction you make.
Annual Fee: INR 199 per year. If you spend a minimum of INR 15,000 within 3 months, the annual fee is waived off.
Why you should go for it?
The Kotak Urbane Gold credit card is one of the best credit card that you can get at a cheap annual fee amount. Moreover, the rewards and benefits of this card is quite phenomenal and will help you in managing your expenses.
Features
Earn Rate: For every INR 100 you spend, you will get 3X reward points
Benefits
- Redeem 1000 reward points and get INR 75
- Get a coverage of INR 50,000 in case of card loss
- Get an add-on card without any extra charge
- Get 4 PVR tickets by spending INR 1 lakh in a year else 10,000 rewards
Best Credit Cards For Dining
If you are looking for a credit card that offers great discounts on dining at select restaurants and other extra benefits too, then you should check out the below credit cards. These cards are specifically made for dining and will provide you with tons of benefits too.
31. HDFC Bank Diner Club Black Card
For people who always travel internationally, this card will be a perfect boon them. It is a card that HDFC made along with Diner Club and is known for its best features. Though the joining and annual fee is a bit high, the benefits are worthy of the investment. You have to pay INR 10, 000 as a joining fee, after which you can avail of tons of signing bonus and other features.
Annual Fee: INR 5000 per year. If annual spending is more than 5 lakh, then annual fee is waived off.
Why you should go for it?
If you are looking for a card that will provide you with exciting discounts and reward points, then you should definitely select this particular card. You even get access to airport lounges all over the world. Moreover, for every transaction, you get reward points, which you can redeem for free services.
Features
- Get access to 700+ airport lounges all over the world
- Get dinner discounts of 15% at select restaurants worldwide
- Get 50 reward points for all international expenditures
- Redeem your reward points for getting hotel bookings, air tickets, etc.
- Get insurance cover for all kinds of accidents and delays.
32. Jet Privilege HDFC Bank Diners Club Card
If you travel by Jet Airways on a regular basis, then you should get this credit card for sure. It comes with tons of benefits and will help you in managing your international expenditure. The joining fee for this card is INR 10,000 and the renewal fee is half of it. Besides that, the card provides you with reward points, which you can redeem to get free flight tickets.
Annual Fee: INR 5000 per year. It will be waived off if your annual spending is more than 8 lakhs
Why you should go for it?
If you are an international traveller, then you should definitely get this card. It not only provides you with nice reward points, but even gives you nice discounts ta top notch restaurants all over the word. You even get to enjoy certain travel perks with this card.
Features
- Extra discounts at select restaurants all over the world
- Free airport lounge access at select airports
- Extra baggage allowance
- Priority check-in
Best Credit Card For Free Airport Lounge Access
Airport lounge access can be a great benefit for people who continuously travel. However, getting access to airport lounge can cost you a lot. If you are a person who travels a lot, then you should get a credit card which provides you with free airport lounge access in almost all the airports. Here is a list of some of the best credit cards with free airport lounge access.
33. InterMiles ICICI Bank Sapphiro Credit Card
The InterMiles ICICI credit card is made for people who are always on a rush. The best thing about this credit card is that it allows contactless payments in all places. Moreover, you get bonus reward points of 5000 every year, which you can redeem to get free tickets and other benefits. The card not only provides you with free airport lounge access, but even gives you free spa visits, movie tickets, fuel surcharge waiver and much more.
Annual Fee: INR 5000 per year.
Why you should go for it?
The InterMiles ICICI bank credit card is made for avid travellers. It will be the greatest add-on to your travel perks and will help you in saving money on your expenses. With every transaction, you will get reward points and other nice benefits.
Features
- Get free airport lounge access in airports all across the world
- Dinner discounts up to 15% at select restaurants
- 2 complimentary spa visits per year
- Discounts on movie tickets
- 5000 reward points every year
- Complimentary discount of INR 500 every year
- 1% fuel surcharge waiver for INR 4000 transaction at any fuel station
34. American Express Platinum Travel Credit Card
The American Express Platinum credit card is also known as a premium credit card due to its certain features. It not only provides you with lounge access at top-notch airports in India but even gives its users a range of benefits.
Annual Fee: INR 3500 per year
Why you should go for it?
For people who are always traveling to different cities for business, the America Express Platinum credit card will be perfect for them. It provides you excellent assistance all over the world and even gives you top-notch service in the airports.
Features
- Get lounge access to 4 domestic airports in selected cities every year
- Get priority pass membership for free
- Get round the clock Platinum assist
- Emergency card replacement anywhere in the world
35. Axis Bank Vistara Infinite Credit Card
For people who want to try out credit cards with free lounge access, this would be a perfect first card. Though the annual fee is a bit high, the services and benefits that come along with the card are worthy of the investment.
Annual Fee: INR 10,000 per year
Why you should go for it?
This particular credit card not only provides you with free airport access but even gives you discounts at many restaurants and free memberships too. Moreover, you even get a complimentary business class seat reservation as a joining bonus.
Features
- Complimentary business class seat as a joining bonus
- Get 15% discount at select restaurants
- Get free Club Vistara Gold membership
- Get access to 6 golf courses in the country
- Get 10,000 Club Vistara points by spending 1 lakh in a year
How To Choose Top Credit Card For You?
With tons of credit cards already available in the market, it can get really difficult to choose a card for yourself. To help you out, we have created this guide for you. It consists of the important factors that you should look for in a credit card before applying for it.
Annual Fee
The foremost thing that you should look for in a credit card is the annual fee of the card. Annual fee is the amount of money you have to pay to the company every year, for using the credit card. While most of the credit cards have less annual fee, around INR 250, others have annual fee as high as INR 10,000. Before applying for a credit card, make sure to check for the annual fee as you would have to pay the amount even if you have not used the card in a year. There are credit cards with no annual fees too. You can apply for those cards if you are a beginner and cannot pay the annual fee.
Type Of Credit Card
The next thing to keep in mind is the type of credit card that you need. There are various kinds of credit cards available like credit cards for entertainment, for travelling, for free airport lounge access, for dinning, and much more. Before applying for a credit card make sure to note down the type of credit card that will suit your needs. It will help you in selecting the perfect card without any difficulty.
Benefits
All credit cards provide certain benefits to its users. While some credit cards provide only reward points, others go as far as providing complimentary golf lessons, free movie tickets, discounts on dining, and much more. Look for the type of benefits that the credit card is providing before you apply. The more are the benefits, better is the credit card. There are premium credit cards that only provide you with one kind of facility. Check out the cards that suit you best and then avail the benefits.
FAQs
What is a premium credit card?
A premium credit card is a card designed for providing one kind of facility to the users. There are premium cards made for golf services only, while some are designed only for travel perks.
Can I get a credit card with no credit history?
Yes, you can apply for a credit card without even having any credit history. Some of the credit card companies have this particular feature for beginners.
Are there credit cards with no annual fees?
Yes, there are credit cards available for which you do not have to pay any annual or joining fee at all.
What are the types of benefits that I can get from a credit card?
You can get reward points for every transaction you make using your credit card. Other than that, you can even get a fuel surcharge waiver, free movie tickets, access to airport lounges, and much more.
What is the earn rate?
Earn rate is the value of every transaction you make. It states the amount of reward point you will get for spending INR 100.
source https://invested.in/best-credit-cards-in-india/
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