Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Best Credit Cards in India 2021

    It is very important to choose the right credit card, or else you might end up losing on many benefits. You must opt for a card after comparing it with the different cards offered in the market. Many banks in India that offer various types of credit cards. The cards are categorized based on the benefits they offer.

    10 Best credit cards in 2021:

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    Best Credit Cards Based on Top Categories

    Credit Card Best For
    Yatra SBI Credit Card Travel, Flight Booking, Hotel Booking
    YES Prosperity Edge Credit Card Lounge Access, Rewards
    HSBC Visa Platinum Credit Card Travel, Dining, Movies
    Citi Cashback Card Cash Back
    IndusInd Bank Platinum Credit Card Lifetime Free Card
    IndianOil Citi Platinum Credit Card Fuel
    Axis Bank Neo Credit Card Cashback, Hotel, Movies
    HDFC Bank Diners ClubMiles Card Lounge Access
    Citi Rewards Credit Card Rewards
    Kotak PVR Gold Credit Card Movies
    Axis Bank Neo Credit Card Bookings, Shopping, Movies
    IndusInd Bank Platinum Aura Edge Credit Card Travel, Dining, Lifestyle
    HDFC Bank Diners Club Black Card Lounge Access, Hotel, Dining

    Top 10 Credit Cards in India – Features & Benefits

    Indian Oil Citi Platinum Card

    This fuel credit card helps you save money on fuel and, at the same time, earn rewards on all your purchases.

    Benefits of Indian Oil Citi Platinum Card

    • Avail annual fee waiver on spend of Rs.30,000 p.a.
    • Earn 4 Turbo Points on every Rs.150 spent on the purchase of fuel at IndianOil outlets across India. Earn 4 points at selected partner stores as well.
    • Fuel surcharge waiver at IndianOil outlets.
    • Earn 2 Turbo Points on every Rs.150 spent at supermarkets and grocery stores.
    • Earn 1 Turbo Points on every Rs.150 spent on all other purchases.
    • Redeem Turbo Points for free fuel at IndianOil outlets. 1 Turbo Point is equal to free fuel worth Rs.1. Points can also be redeemed at selected merchant outlets and for gift vouchers at major brands.
    • Enjoy personal concierge services and offers on dining and shopping.

    HDFC Freedom Credit Card

    Key Highlights of HDFC Freedom Credit Card
    • Enjoy 5X reward points on everything from grocery, dining, movie, railway, and taxi bookings.
    • Make your birthday 25X better with 25X reward points on card expenses made on your birthday.
    • Avail 10X reward points on your SmartBUY and PayZapp purchases.
    • Get a gift voucher worth Rs.1,000 when you spend Rs.90,000 in a year.
    • Spend Rs.50,000+ in a year and get your renewal fee waived off.
    • Enjoy an interest-free period of up to 50 days.
    • Get 500 reward points as your welcome benefit.
    • Get renewal bonus of 500 points when you pay your renewal fee.

    Yatra SBI Credit Card

    The State Bank of India (SBI) and Yatra have partnered to offer Yatra SBI Credit Card, which is one of the best travel credit cards in India at present. Apart from offers on domestic and international travel, this card has multiple benefits in store for the cardholders.

    Benefits of Yatra SBI Credit Card:

    • Vouchers worth Rs.8,250 from Yatra as welcome gift. Use card within 30 days of availing it to get Rs.100 worth cashback.
    • Spend up to Rs.1 lakh in a year to avail annual fee waiver from the second year.
    • Avail 6x Reward Points on money spent using the card on Yatra, grocery stores and departmental stores.
    • Avail 6x bonus points on the base fare and rates on bookings made on Yatra.
    • Avail 1 point on every Rs.100 spent on other retail stores.
    • Points can be redeemed for Yatra vouchers.
    • Avail discount voucher of Rs.500 on every Rs.30,000 spent on bookings made on Yatra.
    • Enjoy access to airport lounges in India.
    • Enjoy 1% surcharge waiver on Rs.500 to Rs.3,000 worth fuel purchases.

    HSBC Visa Platinum Card

    This credit card offered by HSBC bank is preferred by many people because of the endless rewards it offers. Cardholders can enjoy cashback, reward points, discounts and much more.

    Benefits of HSBC Visa Platinum Card

    • During the initial 90 days, avail 10% cashback on all spends, provided at least 9 transactions are made and the minimum spend is Rs.10,000. Avail a maximum cashback of Rs.2,000.
    • Earn 2 points on every Rs.150 spent using the card.
    • Earn EXTRA points at selected EXTRA partners.
    • Spend at least Rs.4,00,000 in a year and earn 5x Rewards on all the successive transactions.
    • Spend at least Rs.50,000 in a month to avail movie vouchers worth Rs.500.
    • Enjoy a fuel surcharge waiver when you pay for fuel using the card.
    • Enjoy discounts on dining under HSBC Dining Privileges.

    Citi Cashback Card

    This card allows you to earn while you spend. It offers cashback and other benefits of spends.

    Benefits of Citi Cashback Card

    • Make contactless payments of up to Rs.2,000. No PIN is required. Simply tap the card at the contactless terminal to pay.
    • Get 5% cashback on movie tickets and phone bill payments.
    • Get 5% cashback on utility bill payments, if paid through Citibank Online Bill Pay.
    • Get 0.5% cashback on all the other spending.
    • Enjoy exclusive dining and shopping benefits.
    • Savings of 20% in participating restaurants
    • Make purchases on EMI at over 2,000 mobile phones, electronics and retail outlets.

    HDFC Bank Diners Club Black Card

    This credit card is one of the most popular premium cards in India. It does not just offer reward points, but provides the best protection, golf benefits, travel benefits, lifestyle benefits, etc.

    Benefits of HDFC Bank Diners Club Black Card

    • Earn reward points on domestic and international air ticket and hotel bookings.
    • Redeem points for airmiles or to book air tickets or hotels.
    • Enjoy access to over 25 airport lounges in India and over 650 airport lounges abroad.
    • Enjoy a 24x7 concierge service. Get the concierge to reserve golf course and dining or to deliver flowers and gifts or to rent cars. The concierge will also provide business-related services, courier service, and make hotel reservations.
    • Avail 5 reward points on every Rs.150 spent at retail merchant stores.
    • Avail 10 reward points on every Rs.150 spent on the HDFC Bank Diners Club website.
    • Enjoy complimentary golf games and lessons in India and abroad.
    • Get Rs.2 crore worth Air Accident Cover, up to Rs.50 lakh worth Emergency Medical Expenses cover, up to Rs.9 lakh worth Credit Liability cover and up to Rs.55,000 worth Travel Insurance Cover on baggage loss/delay.

    IndusInd Bank Platinum Card

    This premium credit card is ideal for people who wish to live a posh life. It offers multiple lifestyle and dining benefits to the cardholders.

    Benefits of IndusInd Bank Platinum Card

    • Avail Accor Plus Program membership. This membership will allow cardholders to enjoy up to 15% discount on beverages across the Asia a 50% discount on dining across Asia Pacific. Apart from that, members can avail discounts on hotel bookings.complimentary night stays and Silver Membership Status at Le Club Accor Hotels.
    • Earn 1.5 Reward Points on every Rs.150 that you spend using the card.
    • Avail discounts from various travel and shopping partners. For Example – Satya Paul, Jet Airways, Woodland & United Colors of Benetton
    • Enjoy complimentary golf lessons and games at golf courses in India.
    • Avail discounts on movie tickets when you book using this card on Bookmyshow.
    • Enjoy complimentary Priority Pass and get access to airport lounges in India and abroad.
    • Enjoy benefits under the Travel Plus Program.
    • Avail Travel Insurance cover and enjoy 24x7 concierge services. The card’s Total Protect feature will protect you from fraudulent transactions.
    • Avail free air accident cover up to Rs.25 lakh.
    • Avail services during an emergency through the bank’s 24x7 Auto Assist Facility.

    HDFC MoneyBack Credit Card

    Benefits of HDFC MoneyBack Credit Card

    • Enjoy 2 reward points each time you spend Rs.150 on your card.
    • Earn 2X more reward points for online spends.
    • Get cashback against card outstanding by redeeming earned reward points (100 reward points = Rs.20).
    • Redeem your points for gifts and air miles from the exclusive rewards catalogue.
    • A Minimum of 2,500 points are required to redeem reward points.
    • Accumulated points are valid for 2 years from the accumulation date.
    • Get an e-voucher(valid for 60 days) worth Rs.500 on spends of 50,000+ per quarter on retail purchases.
    • Annual savings of up to Rs.1,800 on fuel at stations anywhere in India.
    • 100% waiver on fuel surcharge with up to Rs.250 savings every billing cycle.
    • Zero liability on fraudulent transactions made on your card after the loss of the card is reported.

    Axis Bank Neo Credit Card

    Moviegoers and shoppers love this card. It offers some of the best dining, shopping, and entertainment benefits in India. Cardholders can also earn reward points on their spendings and make purchases on EMI.

    Benefits of Axis Bank Neo Credit Card

    • Earn 2 EDGE Loyalty Rewards points on every Rs.200 spent using the card.
    • Avail 10% cashback on mobile recharge, online shopping, and movie tickets.
    • Avail vouchers of Rs.200 from Bookmyshow.
    • Easily convert transactions of Rs.2,500 and above into EMI.
    • Avail 10% discount on every transaction of at least Rs.500 made on Myntra.
    • This card is protected through an EMV certified chip.
    • Enjoy zero lost card liability.
    • No annual fee is charged for the first year.

    Kotak PVR Gold Credit Card

    This credit card has been exclusively designed for movie buffs. Kotak Mahindra Bank offers it in partnership with PVR Cinemas.

    Benefits of Kotak PVR Gold Credit Card

    • Avail 1 free PVR movie ticket on a minimum spend of Rs.10,000 per billing cycle or 2 free tickets on a minimum spend of Rs.15,000 per billing cycle. To avail the free tickets, cardholders can make any type of spends.
    • Avail up to Rs.75,000 worth insurance coverage for a stolen or lost card.
    • Avail Add-on cards for family members.

    Best Credit Cards in India for Salaried Individuals

    Credit cards are perhaps one of the most utilised financial tools in the world today. These cards are similar to loans and can be availed with a swipe of the card. Ever since their inception in the 1950s, credit cards have had a significant impact on the economy.

    To avail a credit card, certain eligibility criteria will have to be met. For example, the applicant must be earning a minimum annual income as defined by the credit card provider and must be an adult. Additionally, credit scores also play an important role.

    Salaried individuals can avail a number of credit cards as long as they are earning a minimum annual income, as prescribed by the bank or credit card provider and have a good credit score. A number of companies in India provide salaried employees with a plethora of credit cards. Each of these cards come with different benefits and features and the eligibility criteria for each of these cards will vary.

    FAQs on Best Credit Cards

    1. Which bank’s credit card is the best in India?

      The best credit cards in India depend largely on your requirement. You have a lot of options to choose from like Signature Visa Credit Card, Yatra SBI Credit Card HDFC Regalia Credit Card and Diners Club Black Credit Card to name a few.

    2. Which credit card is the best for online shopping in India?

      You have a lot of options for shopping credit cards in India. Depending on your need, you can choose SBI SimplySave Credit Card, Citi Cashback Card and or HSBC Visa Platinum Credit Card, to name a few.

    3. Which is the best credit card with no annual fee in India?

      There are a lot of credit cards in India which come with no annual fee. To name a few, you have IndusInd Pioneer Legacy, HSBC Visa Platinum and Citibank Rewards Credit Card.

    4. Which is the safest credit card in India?

      Most credit cards in India are safe. Credit cards like HSBC Visa Platinum Card and Citi Cashback Card are a few of the safe credit cards.

    5. Which credit card in India has the best rewards program?

      The system of reward points varies from one credit card to another. For the best reward points you can choose HDFC Freedom Credit Card, IndusInd Bank Platinum Card or Citi Cashback Card to name a few.

    6. Which credit card in India offers the best travel benefits?

      Many credit cards in India comes with basic travel benefits which include lounge access at the airport, accelerated reward points on travel bookings, etc. However, there are many credit cards which offer added benefits on travel such as the MakeMyTrip ICICI Bank Credit Card, HDFC Bank Regalia credit card, etc.

    7. Which is the best credit card for entertainment benefits?

      There are several credit cards which offer a wide variety of entertainment benefits. However, there are a certain set of cards which are solely entertainment-oriented. They offer the best benefits when it comes to entertainment along with a few features across other categories as well. The Kotak PVR Gold Credit Card, HDFC Moneyback Credit Card and the Axis Bank Neo Credit Card are among the top credit cards for entertainment expenses.

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

      Most cards which are mentioned above come with a set of dining privileges which will be given to you while you are dining out. There are also certain cards which offer discounts and cashback while ordering online. The HDFC Bank Diners Club Credit Card and the IndusInd Bank Platinum Credit Card are some of the credit cards which offer best-in-class dining benefits.

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

      There is a certain number of lounge visits allotted to you with your credit card which are free of cost. However, after exceeding the maximum number of visits, you will have to pay a certain amount as a fee to utilise the lounge in domestic and international airports. The fee generally is the same for most credit cards. It is advised that you read the terms and conditions for domestic and international lounge access before using the card.

    10. Do top credit cards have higher annual fees?

      No, there is a range of credit cards offered by different banks which offer many benefits at a nominal annual and joining fee. Some of the credit cards are the HDFC Bank Moneyback credit card, ICICI Bank Platinum Credit Card, etc.

    11. What is the minimum salary required for a credit card?

      The minimum salary required to apply for a credit card varies from one bank to the other. There are also credit cards offered for first-time applicants who may not have a higher income but can get a credit card with a lower credit limit depending on the various factors checked by the bank.

    12. How to redeem the benefits which are offered by these credit cards?

      For the reward points, you can visit the website of the bank and redeem the points which have been accumulated in your card. The reward points can be redeemed to avail a wide range of products and services across various categories through the partnerships the bank has with other companies. Benefits such as movie tickets, dining, etc., will be automatically given to you once you use the credit card. However, it is important to know the terms and conditions of the benefits which are given with your card.

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