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  • Best Credit Cards in India 2019

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

    Below are the Best 10 credit cards offered by banks in India (Updated on October 11, 2019)
    1. HSBC Visa Platinum Card
    2. Citi Cashback Card
    3. IndianOil Citi Platinum Card
    4. HDFC Freedom Credit Card
    5. Yatra SBI Credit Card
    6. HDFC Bank Diners Club Black Card
    7. IndusInd Bank Platinum Card
    8. Axis Bank Neo Credit Card
    9. Kotak PVR Gold Credit Card
    10. HDFC MoneyBack Credit Card
    More
    Bankbazaar Best Credit Cards in India 2019
    We found 11 Credit Cards for you!
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If spends > 1 lakh In 90 days 5000
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    500
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    0
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    0
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    250
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    999
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    Reduced to 0 If annual spends > 30,000 1000
    What you'll love
    Documents
    You'll also love
    Fee Details
    499
    What you'll love
    Documents
    You'll also love
    Fee Details
    499
    What you'll love
    Documents
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    Fee Details
    499
    What you'll love
    Documents
    You'll also love
    Fee Details
    Reduced to 0 If CASA account is opened 500
    No Income Docs Needed
    What you'll love
    Documents
    You'll also love
    Fee Details

    Below are Some of Best Credit Cards Based on Top Categories

    • Yatra SBI Credit Card: Best for Travel, Flight Booking, Hotel Booking
    • YES Prosperity Edge Credit Card: Best for Lounge Access, Rewards
    • HSBC Visa Platinum Credit Card: Best for Travel, Dining, Movies
    • Citi Cashback Card: Best for Cash Back
    • IndusInd Bank Platinum Credit Card: Best Lifetime Free Card
    • IndianOil Citi Platinum Credit Card: Best for Fuel
    • Axis Bank Neo Credit Card: Best for Cashback, Hotel, Movies
    • HDFC Bank Diners ClubMiles Card: Best for Lounge Access
    • Citi Rewards Credit Card: Best for Rewards
    • Kotak PVR Gold Credit Card: Best for Movies
    • Axis Bank Neo Credit Card: Best for Bookings, Shopping, Movies
    • IndusInd Bank Platinum Aura Edge Credit Card: Best for Travel, Dining, Lifestyle
    • HDFC Bank Diners Club Black Card: Best for 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 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 supermarket and grocery stores.
    • Earn 1 Turbo Point 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, shopping, etc.

    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 25X reward points on all your birthday spends.
    • Use your credit card for groceries, movies, taxis, dining out, and railway spends and enjoy 5X reward points.
    • Use SmartBUY and PayZapp and enjoy 10X reward points.
    • 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 at least Rs.90,000 a year to avail annual fee waiver.
    • 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 3 transactions are made and the minimum spend is Rs.10,000. Avail a maximum cashback of Rs.3,000.
    • Earn 6 reward points on retail purchases made on your birthday.
    • 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 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 on spends.

    Benefits of Citi Cashback Card

    • Make contactless payments of up to Rs.2,000. No PIN 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 spends.
    • Enjoy exclusive dining and shopping benefits.
    • Make purchases on EMI at over 2,000 mobile phone, electronics and retail outlets.

    HDFC Bank Diners Club Black Card

    This credit card is one of the most popular premium card 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 2x 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 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 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 drinks across Asia and up to 50% discount on dining across Asia Pacific. Apart from that, members can avail discount 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 Colours of Benetton, etc.
    • 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.
    • Enjoy 1% fuel surcharge waiver at petrol pumps in India.
    • Avail services during emergency through the bank’s 24x7 Auto Assist Facility.

    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.
    • Minimum of 2,500 points are required to redeem reward points.
    • Accumulated points are valid for 2 years from accumulation date.
    • Get an e-voucher(valid for 60 days) worth Rs.500 on spends of 50,000+ per quarter on retail purchases.
    • Rs.50 lakh worth of complimentary accidental death insurance
    • Annual savings of up to Rs.1,800 on fuel at stations anywhere in India
    • Zero liability on fraudulent transactions made on your card after loss of card is reported.

    Axis Bank Neo Credit Card

    This card is loved by movie goers and shoppers. It offers some of the best dining, shopping and entertainment benefits in India. Cardholders can also earn reward points on their spends 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 Rs.500 worth complimentary vouchers from Jabong.
    • 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. It is offered by Kotak Mahindra Bank 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 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.

    In order 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.

    4 Top Credit Cards of 2019

    We’ve picked the BEST reward Credit Cards for 2019 that will spoil you silly. Want to check them out?

    HSBC Visa Platinum Credit Card

    This card not only comes with a zero annual fee but also offers 20% discount at select restaurants & lounges in India. Also save up to Rs. 1,200 on all domestic flights on Clear Trip! How cool is that?

    SBI Simply Save Card

    This card will keep you happy all day long! It offers 10X rewards on all your dining, movies, grocery and departmental store spends. Also earn 1 reward point for every Rs. 100 spent on all other categories. How cool is that?

    HDFC Bank Diners Club Black Card

    Want to get pampered? Look no further! This card offers unlimited free airport lounge visits all across the world. Get 50 reward points at select retail & online partners too! That’s a steal.

    SBI Simply Click Card

    Love shopping? This card offers 5X reward points for all online spends. Also, earn 10X reward points on spends with exclusive partners. What’re you waiting for?

    You do NOT want to miss out on these amazing Credit Card offers. Grab them before it’s too late! Didn’t find what you were looking for? Cheer up! We have other equally cool offers exclusively for you.

    17th March 2018

      

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    Credit Cards for you! Reviews

    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card through Shopping Mall.This card is a chargeable card for the past 5 months .I have got all the required details about the card process through the agent .I have got this credit card within a week time .I have not faced any drawbacks while submitting the documents.
      Was this review helpful? 1
      , kovilpatti
      Reviewed on Oct 12, 2019
    • Citibank
      Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having CIti Bank credit card which was availed through Bank direclty .I am using this credit card for the past 3 to 4 months .This was a free card and the credit limit was good and it was upto 75,000 and it was sufficient as well .I have got all the details about the card process very clearly through the agent.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 12, 2019
    • Axis Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      One year before I had applied for a master credit card with AXIS bank. Once the verification done I received a card by 4 days. The credit limit is nominal before given for 25 thousands but now enhanced to 34 thousands. EMI option is applicable and charges are nominal. I use for shopping and fuel purposes I get reward points.
      Was this review helpful? 0
      , sivakasi
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Medium"
      0.5 4.0/5 "Great!"
      I had applied for a credit card with SBI on a month before which was processed through an online. My friend is working in that bank so process was done on smooth. But suddenly felt to not process for further for this card process so intimate to bank to close it.
      Was this review helpful? 0
      , madurai
      Reviewed on Oct 12, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card which was taken through Bank directly .I am having this card for the past 2 months ,I have got the credit within a week.I have got all the details about the card process very clearly .There are very useful reward points as well as cash back offers .I am really satisfied with the service so far .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having HDFC Bank credit card for the past 15 days only ,I have availed this credit card through Bank directly ,I have got a clear picture about the card process through the agent ,This was a free card and there was no difficulties faced while submitting the documents .I am really satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      From INDUSIND BANK LTD I am holding a credit card for the past 4 months before. I have applied for a card directly to them. It is a life time free credit card and the credit limit is given for 50 thousands only. EMI option is not applicable is applicable and charges are nominal. I use this card for medical and shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • ICICI Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      On 4 months before I have applied for a credit card with ICICI bank directly to them. It is a life time free credit card and the credit limit is given for 30 thousands only for this card. EMI option is not applicable. I use this card for many purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      I am having a credit card with HDFC bank for the past few months only which was processed through bank directly. It is a life time free credit card and the credit limit is much sufficient for this card. EMI option is not applicable. So far no issues I had faced from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Bank credit card which was directly availed through Bank.I am using this credit card for the past 1 year,This was a coral card and got all the relevant information about the card process through the agent.This was a paperless approval and i a m comfortable on using this card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 12, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through Bank directly.I am using this credit card for the past 2.5 years and the credit limit was upto 2 lakhs it is really sufficient as well.There are really good reward points as well as cash back offers.I am comfortable on using this credit card .
      Was this review helpful? 0
      , kakinada
      Reviewed on Oct 12, 2019
    • RBL Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 years I am using RATNAKAR BANK platinum credit card through them processed directly. It is an annual fee chargeable of rupees 500. But the credit limit was given only for 35 thousands and yet to enhance it. EMI option is applicable and it is nominal. I use this card for fuel purpose. Based on the usage I get reward points.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI bank simply credit card for more than 2 years which was process through bank directly. It is an annual fee chargeable of 500 rupees.But the credit limit was given only for 10 thousands. There is an option for EMI and charges are nominal. I use this card for shopping and fuel purposes.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • YES Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Yes Bank credit card which was directly taken through Bank.I am using this credit card for the past 6 months,This was a free card and the credit limit was really sufficient .I have got good reward points as well as cash back offers .I am really satisfied with the service .
      Was this review helpful? 0
      , thane
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was direclty taken through Bank .I am using this credit card for the past 8 months only .The credit limit was pretty good t was upto 50,000,I have got my creidt card on time without any delay .I have got all the relevant information about this credit also through the agent.
      Was this review helpful? 1
      , bharuch
      Reviewed on Oct 11, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Ratnakar Bank credit card which was taken through Bank .The credit limit was 40,000 and this was a free card ,Customer service is quite average .Cash back offers are very good and got all the required details about the credit card very clearly through the agent .
      Was this review helpful? 0
      , bharuch
      Reviewed on Oct 11, 2019
    • Punjab National Bank Credit Card
      "Very Simple to use"
      0.5 5.0/5 "Blown Away!"
      PNB charges are quite less and convenient. PNB card is very simple and there is no annual fee, financial charges and no late fee. I can easily convert the rewards points into cash by making a single call. PNB customer care support is very good and easily available for all the time. There is no such offers like other credit card.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "SBI card is best"
      0.5 5.0/5 "Blown Away!"
      There is some discount in online for SBI credit card. There is no hidden charges deducted so far and they are providing flexi pay option. The financial charges and late fee charges are less. They have provided me a credit limit of Rs. 1.50 lakhs and there is a annual fee of Rs. 450. I am using the simplysave credit card.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "HDFC card is acceptable everywhere"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is better than other cards. I have a HDFC money back credit card so i get a rewards points whenever I'm doing the transaction or purchases those rewards points, i can easily converted into cash. There are lots of EMI conversion done from this card. If i purchase in online and converting those transaction into EMI at that time, there is no charges. Due to some personal reason, if a customer unable to make the payment on a due date, they are charging me a huge late fee and interest rate.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was directly taken through Bank .I am using this credit card for the past 6 months only.The credit limit was good and it was 30,000 and this is a chargeable card.I have got god cash back offers as well as reward points ,I have got my credit card on time without any hassle.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 11, 2019
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