Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Best Credit Cards in India 2017

    We found 10 Best Credit Cards in India 2017

    Card
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    10000
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    Rs.750 Amazon voucher free Paperless approval option available
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    500
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    Rs.750 Amazon voucher free
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    Rs.750 Amazon voucher free
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    250
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    999
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    1000
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    Rs.750 Amazon voucher free
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    499
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    Rs.750 Amazon voucher free
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    499
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free Paperless approval option available
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  • Top 10 Credit Cards in India Reviews

    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I got credit card from HDFC bank with the limit of one lakh and twenty five thousand rupees. There is no annual fee for the card. Though I am not getting cash back offers but I am getting loan against my credit card with the lowest interest rate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      There are no great offers with this AXIS BANK NEO CREDIT CARD , using this card only for the credit limit. I am using this Neo card for past 1 year. I don't redeem the reward points with this card . I am happy with credit limit, The bill payment is easy to do via net banking.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I availed credit card from HDFC bank which is a life time free card. I am getting more benefits from the bank more often. Their services are quite good and there was no problem with the bank for credit card usage. Their way of customer approach is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "Beneficial"
      0.5 4.5/5 "Excellent!"
      Citi bank is the one which gives maximum reward points. Also it is very easy to redeem those reward points over the phone as well as we can convert the reward points in to cash. I am using credit card for more than four years. Sometimes I used to get cash back offers from the bank too.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Satisfied with the offers"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is the best for credit cards because they have a variety of options on it. The customer support is also good and there are no hassles in using the card online for purchases. The transactions goes through smoothly and I also get intimated instantly.
      Was this review helpful? 0
      , satna
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Quick in process"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC Bank and I received a proper response as I am a long time customer. The team was cooperative on giving me details and also processing the same quickly. The bank was a bit high on the interest rate and processing charges.
      Was this review helpful? 0
      , satna
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "Very good services"
      0.5 4.0/5 "Great!"
      Citibank is always good in the communication and they are professional as well. I bank with them for a credit card and I am happy that till date there has not been any kind of issues for the offers or the statements. It has been a smooth process till date.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Good in offers"
      0.5 4.0/5 "Great!"
      State Bank of India is good in the banking services. I hold a credit card and the benefits on the card is good. I get a lot of discounts and there are many offers online for this bank. The rewards are also much on the transactions I do and in all there are no difficulties.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2017
    • RBL Bank Credit Card
      "Charging a lot"
      0.5 1.0/5 "Really Bad"
      I was using credit card with Ratnakar bank. Recently I stopped using the card and I am planning to settle the payment and close the card. Because I had found that they are charging a lot. Other than this issue, I do not have any problem with the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I got life time free credit card with State bank of India. I am satisfied with the credit limit levied by the bank. Interest rate is moderate and there is no issues with SBI for my credit card at any time. Their customer service is approachable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "The best choice"
      0.5 5.0/5 "Blown Away!"
      I do have credit card with many banks. But as per my experience with the banks, CITI is the best choice for the credit card services. I feel more comfortable in using citi card than other bank cards. Annual charges are there for the card but I would request them to waive off the fee based on the usage.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • IndusInd Bank Credit Card
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card of Indusind bank. There is a one time charge of 5000 rupees also there is no annual charges. Recently I got cash back offer for 5000 rupees and regularly I receive reward points from the bank. I did not find any issues with Indusind bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      HDFC bank is good in providing the credit card services. The credit limit and interest rate are very convenient for me. But then, it is not as good as Citi bank. The bank is regularly providing reward points and cash back offers based on my usage. The services are good with HDFC.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      Using Simply save card for about past 2 years. It has very good benefits like reward points , cash back offers and fuel surcharge waiver in this card. The best part about this card is the cash back offer which is very useful. Overall, I am happy with the credit limit. The rate of interest is nominal with this card.
      Was this review helpful? 0
      , mysore
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Very good services"
      0.5 4.0/5 "Great!"
      Axis bank has offered me a credit card and there are no charges taken on it. The features on the card are the normal basic benefits like other banks provide. The statements has always been on time and the details on it is clear as well. The customer support team are helpful.
      Was this review helpful? 0
      , gulbarga
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Average "
      0.5 2.0/5 "Expected more"
      Hdfc has sent me mail saying that my Credit card application got pre approved and pre-qualified, after that, Hdfc executive gave a call and they told because of my personal due, it haven't approved, that was the reason I haven't got the card with HDFC bank. The rate of interest is nominal with HDFC card. They have explained me about the product very clearly.
      Was this review helpful? 0
      , mysore
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Credit card services are really good with CITI bank. I do hold a card for a long time. Everything is perfect with the bank. I did not face any trouble from the bank because of the credit card, their services are really fantastic and approachable.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 23, 2017
    • IndusInd Bank Credit Card
      "Good in Process"
      0.5 4.0/5 "Great!"
      Credit card process went good with Indusind bank. When I applied for the card, I got good response and good service from the bank. I had no issues at any point of time in taking the card. They offered the card with good limit as well as good interest rate.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Credit card services are really good with CITI bank. I do hold a card for a long time. Everything is perfect with the bank. I did not face any trouble from the bank because of the credit card, their services are really fantastic and approachable.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Fair"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC bank credit card from more than two years of time. Customer service is very good one with them and the credit limit value is around 30000 Rupees and am not really happy with them, also I don't want to increase it because the rate of interest was huge, also calculation of minimum due was not really good.
      Was this review helpful? 0
      , siliguri
      Reviewed on May 23, 2017
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    Best Credit Cards in India 2017 is Rated as "Excellent!" by 34681 Users

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    Credit Card BYTES FROM OUR KITCHEN

    Top 10 Credit Cards

    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 Credit Cards in India, 2017

    Mentioned below are the top 10 credit cards offered by banks in India considering the categories Fuel, Premium, Travel, Rewards, Shopping, Dining and Entertainment. These cards are chosen based on the rewards/perks they offer.

    1. IndianOil Citi Platinum Card
    2. Standard Chartered SuperValue Titanium 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

    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.

    Standard Chartered SuperValue Titanium Credit Card

    Use this card if you want to save money on telephone and fuel bills.

    Benefits of Standard Chartered SuperValue Titanium Credit Card:

    • Avail 5% (up to Rs.200 per month) cashback on fuel purchased at any petrol pump in India.
    • Avail 1% fuel surcharge reversal at petrol pumps.
    • Avail 5% cashback on telephone, electricity, water and gas bills paid using this card.
    • Earn 1 Reward Point on every Rs.100 spent on other categories.

    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.

    SBC 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 SBC 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.

    News About Credit Cards

    • Things to consider while using a credit card

      A credit card is an interesting tool that lets the owner handle and manage regular as well as sudden financial crisis. Currently, the credit cards offer more than the credit itself, factors such as rewards, cashback, discounts, etc. play a vital role in the rise of credit card usage. However, a credit card can become difficult if you are not using it in the right way. If you are a credit card owner, you need to make sure that you are making timely payments to avoid late payment fees and associated interest charges. It is also advisable not to exhaust all your credit as it will reflect poorly on your credit score. You can use any credit card to withdraw cash, however, it will attract cash advance fee and a higher interest rate that could affect your repayment capability. If your credit card offers rewards, you also need to ensure that you redeem the rewards before they expire. There are many more important aspects to safe usage of credit cards that you can follow to make the most out of your credit card.

      6th April 2017

    • Credit card trends in 2017

      Since demonetization, the Indian economy has found various ways to carry out cashless transactions. The government has introduced alternatives to cash through Unified Payments Interface (UPI), Unstructured Supplementary Service Data (USSD), Aadhaar Enabled Payment System (AEPS), digital wallets and more. After demonetization, India has witnessed an increase in the number of people using their debit and credit cards for transactions. The banks provide many types of credit cards offering cashback and benefits that have enabled individuals to prefer their credit card over cash and other modes of payments. The rise in usage of credit cards has brought forwards many interesting opportunities for the banks and exciting offers for the credit card owners.

      09 March 2017

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