Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Bankbazaar Best Credit Cards in India 2019

    We found 10 Best Credit Cards in India 2019
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    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    Credit Card BYTES FROM OUR KITCHEN

    Best Credit Cards in India 2019

    Credit card is a small plastic card that allows you to borrow money instantly at the point of sale from your card provider to pay for purchases. The total borrowed amount has to be paid by the cardholder at the end of the billing cycle (it is generally a month long). Credit card payment is one of the most convenient and beneficial ways to pay for products. Unlike cash, credit card can be used to make online payments as well. Apart from allowing people to borrow money, these cards offer various rewards and benefits such as discounts, cashback, lounge access and memberships among many others.

    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. For example – Travel credit card, Entertainment credit card, Shopping Credit Card, etc.

    Best Top 10 Credit Cards for January 2019

    Mentioned below are the top 10 credit cards offered by banks in India considering the categories Fuel, Premium, Travel, Rewards, Shopping, Dining and Entertainment.

    1. IndianOil Citi Platinum Card
    2. ICICI Bank Coral Contactless Credit Card
    3. Yatra SBI Credit Card
    4. The Jet Airways American Express Platinum Credit Card
    5. HSBC Visa Platinum Card
    6. Citi Cashback Card
    7. HDFC Bank Diners Club Black Card
    8. IndusInd Bank Platinum Card
    9. Axis Bank Neo Credit Card
    10. Kotak PVR Gold Credit Card

    Fee & Charges for Best Credit Cards in India

    Tenure Name of Credit Card Joining Fee Annual Fee from year 2
    IndianOil Citi Platinum Card Will be communicated at the time of issue. Annual fee is 0 when Rs.30,000 or more is spent on the card in a membership year. If not, annual fee is Rs.1,000.
    ICICI Bank Coral Contactless Credit Card Rs.500 Rs.500
    Yatra SBI Credit Card Rs.499 + applicable taxes Rs.499 + applicable taxes
    The Jet Airways American Express Platinum Credit Card Rs.5,000 + applicable taxes Rs.10,000 + applicable taxes
    HSBC Visa Platinum Card Nil Nil
    Citi Cashback Card Will be communicated at the time of issue. Rs.500
    HDFC Bank Diners Club Black Card Rs.10,000 + applicable taxes Rs.5,000 + applicable taxes
    IndusInd Bank Platinum Card Rs.17,999 Nil
    Axis Bank Neo Credit Card Rs.250 which will be waived when customer spends Rs.2,500 on the card within 45 days from issue of card. Annual from the second year is Rs.250.

    Super Duper Offer by Bankbazaar

    • Avail a gift voucher worth upto Rs.1000 from Amazon on applying for a credit card
    • Voucher will be provided upon approval of the credit card application
    • Offer will be valid from January 1, 2019 to January 31, 2019

    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.

    Some of the best credit cards for salaried individuals in India, are as follows -

    1. Citibank Cashback Credit Card
    2. Standard Chartered Manhattan Platinum Credit Card
    3. ICICI Instant Platinum Credit Card
    4. SBI Simply Click Credit Card
    5. ICICI Instant Platinum Credit Card
    6. HSBC Visa Platinum Card
    7. HSBC Premier MasterCard Credit Card
    8. ICICI HPCL Coral Credit Card
    9. Axis Bank Platinum Credit Card
    10. HDFC Diners Premium Credit Card

    Top 10 Credit Cards in India – Card wise 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.

    ICICI Bank Coral Contactless Credit Card

    This easy-to-use card is loaded with benefits, rewards, and discounts on dining and more. All the cardholder needs to do is tap it and go.

    Benefits of ICICI Bank Coral Contactless Credit Card:

    • Cardholders can enjoy a discount worth 15% on dining bills.
    • Spend a minimum of Rs.4,000 per transaction at HPCL petrol bunks and get up to 2.5% cashback and 1% waiver of surcharge.
    • Book airline tickets with your ICICI Bank Coral Contactless Credit Card and enjoy complimentary visits to airport lounges.
    • Buy one movie ticket and get one free from www.bookmyshow.com. Cardholders can bag up to 10,000 additional reward points every anniversary year.
    • On joining, you will get a complimentary tie worth Rs.999 from Provogue. It will be delivered to you within 30 working days.

    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.

    Jet Airways American Express Platinum Credit Card

    This card provides cardholders with an unforgettable travel experience. It is offered by American Express in partnership with Jet Airways. It is very popular because of the different kinds of rewards it has to offer.

    Benefits of Jet Airways American Express Platinum Credit Card

    • Avail 10,000 Bonus JPMiles and a 1-way Jet Airways domestic flight ticket with the base fare waived as welcome gift.
    • Enjoy complimentary access to airport lounges in 11 cities of India.
    • Avail 3% cashback on fuel purchases in India.
    • Avail Preferred Hotels & Resorts free iPrefer Elite Tier membership.
    • Enjoy 24x7 Platinum Concierge Service.
    • Earn 8 JPMiles on every Rs.150 spent. This benefit is not applicable on fuel, insurance, cash and utility transactions.
    • Earn 16 JPMiles on every Rs.150 spent on booking tickets on the website of Jet Airways.
    • Earn up to 20 Bonus JPMiles on every Rs.100 spend under the EXTRA JPMiles Program.
    • Enjoy zero lost card liability.

    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 3x Rewards on hotel, dining and telecom spends for the initial 12 months.
    • 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.

    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.

    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

    Top 10 Credit Cards in India Reviews

    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Kotak mahindra bank credit card long time, there service is not up to the mark. Their credit limit is good, they have given me . And they have not annual fee they have charge in this card as it is life time free credit card, and they did not provid any offers or discount, and there service is okay.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • RBL Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a RBL credit card and i am happy with the overall services. The limit given to me on my RBL credit card is 1.60k and i am satisfied with the limit. Services are quite impressive , they have their App , and whenever there is a request raised to increase the limit, they do it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 2.0/5 "Expected more"
      I have been using HDFC credit card,they have not charged any annual fee for this card, and i am happy with my credit limit which they have given in this card and they are providing good offers . Their overall service is not up to the mark.I felt issue with this bank credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Amex bank credit card for long time, they have not charged me annual fee in this card as it is life time free credit card, and i am happy with the credit limit they have given me in this card , and in offer part they have given me good offers. Their overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I have been applied for Indusind bank credit card recently, they have not charge me annual fee for first time, after that they will be charging it, like if i spend up to 30,000-40,000 in an year then my annual fee will get waived off. They have given me decent credit limit. The reason for choosing this bank credit card is that i wanted this bank credit card so i have applied it, there process was quick and easy. And the card was on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I carry HSBC credit card and i am using it from a while. The limit given on my card is good and i am satisfied with the limit. I have not used much but one thing that is very impressive here is the balance transfer option. I hold other Bank Card too but here the balance transfer option is awesome.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • review Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I Hold a SBI credit card and i am happy with the overall services. SBI has a rewards point system which is quite impressive compare to my other existing cards. I had collected rewards points and i converted them into cash worth 10k. SBI card is full of benefits and offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI credit card and i am using from very long . I never had any issue while doing any transaction. I am a customer of ICICI from a very long period. ICICI customer service is the best and whenever there is any concern , they come up with a quick resolution.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Good in Service"
      0.5 5.0/5 "Blown Away!"
      Experience was pretty much good with Bank Bazaar. There was a clear conversation and the features of card that i was applying for explained in a good manner. There was a proper follow up and the customer care Representatives were helpful and polite on call.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I had applied for a Indusind credit card and the process of applying was pretty easy. I have got my card delivered to me on time and i have started using Indusind Credit card. The limit given to me on my card is satisfactory and i am happy about it.With Indusind Bank this is my first credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Good website"
      0.5 5.0/5 "Blown Away!"
      There is quick feed back, quick response in bankbazaar website. I am using the website from last 3 months ago. I came to know about the website through Google search. Support team has given me a proper suggestion when I'm applying for this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      It was a shopping card thats the reason i opted this card, This card provides me a good reward point system. They have offered me a credit limit which is fine. There is a annual fee and it will get waived off if i use particular amount. They are sending a promotional offers on a regular basis. I got the bill and there is no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the services of Bank Bazaar for the last two to three years and i was just using it to check my credit score. I used to use their web portal which is comfortable in using through my desktop where i used to get all the information through them. Their customer support has also been helpful and has been responsive as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen with them since i was already using a credit card from them, the process in getting this card has been simple and i received the card within seven days. But the approval status was not shared with me. The credit limit with this card is good and they had explained me with the features of the card as well, it is a life time free card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      SBI is a good card to use and they have provided me a credit limit of Rs. 75000 which i'm okay with it. SBI customer care service is really good. Basically they are not providing offer but i can convert the purchase into EMI. There will be some annual fee of Rs. 750.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Standard Chartered Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I never used the standard chartered bank. I have applied the credit card, but they have given me a credit limit of Rs. 20000 which is very less and I'm not satisfied with it. Hence i have closed the card. I've informed the customer care regarding the closure and they have raised a ticket for that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Axis Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Started using the Axis bank for last 3.5 years. They are easily converting the EMI option for my purchase. Their customer care service is not responding properly. When i installed the app, there is a error and i complaint to the customer and its not worked out. They are charging so many GST charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Bank Bazaar Credit Card
      "Awesome website"
      0.5 5.0/5 "Blown Away!"
      I never interacted with the customer care. There is a quick service in website. Whatever the information regarding the bank like credit card, personal loan we can able to see. Recently i have saw the advertisement in online then started using the website.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • HDFC Bank Credit Card
      "Everything is good except EMI"
      0.5 5.0/5 "Blown Away!"
      Compared to other credit card this is the best card to use since i have used it earlier. If i purchase anything, I'm unable to convert into EMI. I have called the customer care, they are saying after 3 months, i can able to do it. I'm planning to close the credit card due to this issue. Whatever the service they are offering its fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Kotak mahindra League platinum credit card for long time.They have given me good credit limit in this card ,And they have not charged me annual fee in this card, as it is life time free credit card ,And there support team is too good, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
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