Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Best Credit Cards in India 2016

    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    Response Time Within 30 minutes
    Paperless approval option available
    0
    Response Time Within 30 minutes
    3000
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    Instant Decision
    0
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    0
    Response Time Within 30 minutes
    9999
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    499
    Response Time Within 30 minutes
    Paperless approval option available
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    Banks have come up with a striking array of credit cards, each specially crafted to live up to specific lifestyle needs. Some credit cards offer best benefits for avid shoppers, some offer air miles for travel enthusiasts. With a plethora of options available in the market, it can get confusing for customers when it comes to choosing a credit card. At times, we even tend to neglect important points like annual fees and interest rate and focus on other features like reward points and joining bonus. We must always make informed decisions when it comes to choosing a credit card and look into all the features and benefits that the credit card has to offer.

    A credit card, if wrongly chosen, can rob you of many privileges. You might earn air miles on your credit card whenever you shop, but what if you rarely travel by air? To help you narrow your search, look at the list of top 10 credit cards in India and decide for yourself!

    Best Credit Cards in 2016

    Yatra SBI Credit Card

    A premium offering from a premium Indian bank, the Yatra SBI Credit Card is a must-have this holiday season! This international credit card brings with it an array of joining benefits including travel vouchers worth Rs.8,250 from Yatra.com. The Easy Bill Pay facility offered by SBI will enable you to pay your utility bills on time - all you have to do is link your Yatra SBI Credit card and set a standing instruction. This credit card is also your ticket to premium MasterCard lounges across airports in India. Other benefits that come with this card include fuel surcharge waiver, balance transfer facility, easy monthly instalments with FlexiPay and Easy Money Facility.

    Key USP - Cardholders stand to get 6X reward points on base tariff for spends at Yatra.com. Also, 6X reward points will be credited for purchases made at grocery and departmental stores.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    Up to 3.35% per month. 40.2% per annum Rs.499 from second year onwards Rs.499 (one time fee) Up to 80% of credit limit. Maximum limit is Rs.12,000 per day 20 to 50 days. Applicable on retail purchases only

    HDFC Solitaire Credit Card

    A credit card made for the modern woman, HDFC Solitaire credit card offers a number of exclusive shopping deals and other privileges. Cardholders get Rs.1,000 worth Shoppers’ Stop vouchers when you spend Rs.75,000 or more is made every 6 months. Also, for every Rs.150 spent, 3 reward points will be credited. The reward points can be redeemed as cash back against the outstanding amount. With the HDFC Solitaire credit card, customers can enjoy saving up to Rs.1,500 a year on fuel transactions and also be guaranteed of secure transactions with the EMV chip in the credit card. Also, cardholders get to earn over Rs.4,000 through Reward Points accumulated on your card by spending Rs.5 lakhs.

    Key USP - HDFC Solitaire Credit Card will open up a whole new world of shopping experience as the cardholder gets Shoppers’ Stop vouchers worth Rs.2,000 every year. Customers can earn over 2,880 reward points in a year only through dining, shopping and grocery spends.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    2.95% per month. 35.4% per annum Rs.500 from second year onwards Up to Rs.1,000 2.5% of withdrawn amount or Rs.300, whichever is more Up to 50 days

    Axis Bank Neo Credit Card

    A credit card that comes loaded with 10X benefits, Axis Bank Neo Credit Card is the best choice for people who like to shop more and save more. As welcome benefits, customers will be offered shopping vouchers from Myntra worth Rs.500 and movie vouchers from BookMyShow worth Rs.200. Cardholders get to enjoy an exclusive 10% cashback for purchases made on Jabong.com. Also, 10% discount is offered for purchases made at RedBus.com, BookMyShow.com and FreeCharge.com. Axis Bank Neo Credit Card also comes with an embedded EMV chip that gives unrivalled security. Both resident and non-resident Indians who are in the age bracket of 18 to 70 years can apply for this credit card.

    Key USP - The eDGE Loyalty Rewards Program lets the cardholder earn 2 reward points for every Rs.200 spent through Neo Credit Card. The reward points can be redeemed against a variety of over 500 carefully curated items from Axis Bank rewards catalogue.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    3.25% per month. 46.78% per annum Rs.250 from second year onwards Rs.250; waived if Rs.2,500 is spent in 45 days 2.5% of withdrawn amount or Rs.250 Up to 50 days

    ICICI Bank Instant Platinum Credit Card

    Need an instant, free credit card? Looking to repair your credit score with a credit card? ICICI Bank Instant Platinum Credit Card is your choice - it is an assured credit card offered against fixed deposits. However, it is far from being just an ordinary credit card! Cardholders get a discount of Rs.100 on 2 movie tickets a month when the booking is done through BookMyShow.com. With the ICICI culinary treats program, cardholders can save a minimum of 15% when dining at over 800 select restaurants across the country. You can get ICICI Bank Instant Platinum Credit Card instantly over the counter if you hold a fixed deposit with ICICI Bank.

    Key USP - Cardholders can gain interest on fixed deposits and can use the credit card to manage liquidity. ICICI Bank Instant Platinum Credit Card comes with a very nominal interest rate of just 2.49% per month.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    2.49% per month. 29.88% per annum Nil Nil 2.5% of withdrawn amount or Rs.300 18 days to 48 days depending on purchase date

    Citibank Cash Back Credit Card

    Designed to offer maximum advantages when it comes everyday shopping and bill payment, Citibank Cash Back Credit Card will provide money saving benefits all-round the year. Cardholders get 5% cash back on telephone bill payments, movie tickets purchases and all other utility bill payments done through Citibank Online Bill Pay. On all other purchases, customers will be awarded a 0.5% cashback. To make things easy for the cardholder, the information on cash back will be sent as statement credit automatically and the reward points can be redeemed in multiples of Rs.500.

    Key USP - Citibank Cash Back Credit Card customers get up to 20% savings across 2000 restaurants across the country including Pizza Hut, Costa Coffee and Spaghetti kitchen. Also, the cardholder has the option to convert retail and electronic purchases made at over 2,000 outlets into easy EMIs.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    2.5% per month. 30% per annum Rs.500 billed in first month and incrementally after every 12 months Communicated at the time of sourcing 2% of withdrawn amount or Rs.300 Depends on statement date and transaction date

    SBI IRCTC Platinum Card

    Booking tickets at IRCTC has become a norm of life, what if there was a credit card that could reward you whenever you make an IRCTC ticket booking? SBI IRCTC Platinum credit card holders will get 350 bonus points on activation after spending the first Rs.500 within the first 45 days of card issuance. For every AC1, AC2 and AC CC ticket booked on irctc.com, up to 10% of the value will be credited back as reward points. SBI IRCTC Platinum credit card customers also stand to get exclusive offers at IRCTC and airline booking at competitive prices with IRCTC. The 1.8% transaction charges will be waived off when SBI IRCTC Platinum Card is used to book tickets at IRCTC.

    Key USP - IRCTC SBI Platinum Credit Cardholders get exclusive offers on dining, travel and golf all-round the year from Visa. Not only that, this credit card is accepted at over 3.25 lakh outlets across the country and at over 29 million Visa outlets across the world.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    3.35% per month. 40.2% per annum Rs.300 from second year onwards Rs.500 (one time fee) Up to 80% of credit limit. Maximum limit is Rs.12,000 per day 20 to 50 days. Applicable on retail purchases only

    Standard Chartered Inner Circle Platinum Credit Card

    An elite credit card offering from an international bank, Standard Chartered Inner Circle Platinum Credit Card unites the benefits that comes with a premium loyalty program and an unparalleled lifestyle privileges. Cardholders stand to get a whopping 9x reward points or 6% value back at all Inner Circle affiliated stores and Lifestyle outlets across the country. When the cardholder joins the Inner Circle loyalty program, coupons worth Rs.2,500 will be dispatched with your credit card. Also, for all purchases made at Auchan outlets across India with Standard Chartered Inner Circle Platinum Credit Card, a 5% cash back will be credited. Need more reasons to apply for Standard Chartered Inner Circle Platinum Credit Card? This card comes free for life!

    Key USP - Standard Chartered Inner Circle Platinum Credit Cardholders get attractive privileges at Lifestyle including additional sale discounts and exclusive previews.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    3.10% per month. 37.20% per annum Nil Nil 3% of withdrawn amount or Rs.300 18 days to 25 days depending on purchase date

    HSBC Visa Platinum Card

    HSBC Visa Platinum Credit Card is valid internationally and comes with zero annual fees and no joining fees. For every Rs.150 spent. 2 reward points will be credited to the cardholders account. On purchases made after a spend limit of Rs.4 lakhs in a year, 5X reward points will be credited through the Accelerated Rewards Programme. Also, cardholders get to enjoy up to 15% off at over 700 select restaurants across major Indian cities. Other premium advantages include insurance benefits, Visa concierge services, emergency card replacement and zero lost card liability.

    Key USP - The reward points accumulated on HSBC Visa Platinum Credit Card is valid for 3 years! The reward points can be redeemed against an array of exciting gifts and vouchers without any hassles. Also, the cardholder gets to earn extra points when the card is used for making a purchase at partner merchant outlets.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    18% to 24% per annum Nil Nil 3.3% per month Up to 52 days

    American Express Jet Airways Platinum Credit Card

    The American Express Jet Airways Platinum Credit Card is one of the most sought-after travel credit cards in the market for the sheer convenience and benefits that it offers. As a welcome gift, cardholders will be awarded 10,000 JPMiles and a one-way Jet Airways Base Fare Waived complimentary tickets. Upon card renewal, 5000 bonus JPMiles and a complimentary Jet Airways Base Fare waived domestic ticket will be awarded. For every Rs.150 spent on JetAirways.com for booking tickets using American Express Jet Airways Platinum Credit Card, 16 JPMiles will be credited. The line of benefits is literally never ending and with programs in partnership with Trident Hotels and Oberoi Resorts, American Express Jet Airways Platinum Credit Card will guarantee a hassle-free travel and stay.

    Key USP - Cardholders get complimentary visits to 15 premium domestic airport lounges across 13 Indian cities. Also, customers are awarded complimentary Trident Privilege Gold Tier membership and complimentary night stay at select properties of Oberoi resorts.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    Communicated at the time of sourcing Rs.5,000 plus taxes Rs.10,000 second year onwards 3.5% on the withdrawn amount or Rs.250 Depends on the purchase date

    HDFC Visa Signature Credit Card

    For someone who wants the best lifestyle and travel benefits, HDFC Visa Signature Credit Card is the best choice. For every Rs.150 spent, 2 reward points will be credited to the cardholder’s account. For incremental spends over Rs.75,000 in a billing cycle, 50% additional reward points will be offered. The cardholder can apply for up to 3 supplementary credit cards and share the benefits of HDFC Visa Signature Credit Card with his family members. Cardholders get to enjoy exclusive lounge access at select Indian and foreign airports.

    Key USP - If the cardholder makes a spend of Rs.15,000 or more in the first 90 days after card set-up, the first year fee will be reversed. If Rs.75,000 is spent in a year prior to card renewal date, the renewal fee will be reversed.

    Rate of Interest Annual Fee Joining Fee Fee for ATM cash withdrawal Interest free credit period
    2.95% per month. 35.4% per annum Communicated at the time of sourcing Communicated at the time of sourcing 2.5% on the withdrawn amount or Rs.500 Up to 50 days from statement and transaction date

    Other Top Credit Cards

    Standard Chartered Platinum Rewards Credit Card:

    The entry fee for this particular credit card is Rs.399 and you will not have to pay anything as annual charges for the first year. On and from the second year, you will have to pay an amount of Rs.750 as the renewal charges. If you wish to apply for the Standard Chartered Platinum Rewards Credit Card, you must have a monthly income of Rs.25,000. All the customers can earn 5 points for spending Rs.150 at certain restaurants. On fuel, you can earn 5 rewards points for spending a minimum amount of Rs.150 using your Platinum Rewards credit card. In case you apply for the credit card online, you will not have to pay any annual charges or entry fees. This card is designed especially for the people who like to dine out frequently. This is also beneficial for companies or corporates who can assign this card to their employees and manage their expenses on it. The monthly rate of interest that can be availed with this credit card is 3.1%. The annual rate of interest for the Standard Chartered Platinum Rewards Credit Card is 37.20%. No interest is charged if the outstanding amount is paid in full in the same month.

    Standard Chartered Inner Circle Titanium Credit Card:

    The Standard Chartered Inner Circle titanium credit card is a unique card that comes with a discount voucher of Rs.2,500. No annual charges or admission fee is associated with this particular credit card. At all the Auchan stores, you can avail a discount of 5% when you use this Standard Chartered credit card. The points that you earn and accumulate on this card can be redeemed at all Lifestyle stores. The monthly rate of interest that can be availed with this credit card is 3.1%. The annual rate of interest for the Standard Chartered Platinum Rewards Credit Card is 37.20%. No interest is charged if the outstanding amount is paid in full in the same month. The Standard Chartered Inner Circle Titanium credit card can be used anywhere across the globe and you can choose to shop freely as per your convenience. The payments for this card can be made online or at the boxes for cheque collection. You can also buy your railway tickets and flight tickets using your Standard Chartered Inner Circle Platinum credit card.

    Indian Oil Titanium Citibank Credit Card:

    The Indian Oil Titanium credit card offered by Citibank is one of the top credit cards available in the market today. It comes with great features and advantages that can definitely prove to be beneficial for you. With the Indian Oil Titanium Citibank credit card, you can earn 4 points for spending Rs.150. The points that you earn can be used for buying fuel. You can also choose to redeem these accumulated points at Indian Oil. 1 turbo point is equivalent to free fuel worth Re.1. For every Rs.150 that you spend at various establishments like Book My Show, Amazon, Samsung, Jabong, Myntra, etc. you can earn 4 rewards points. When you spend Rs.150 on your purchases at grocery stores and supermarkets, you can avail 2 turbo points. No annual fee is associated with the Indian Oil Titanium Citibank credit card as long as you spend a minimum of Rs.30,000 in a year using the card. If you do not spend Rs.30,000 using this credit card in a year, you will have to pay an amount of Rs.1,000 as annual fees. The points that you earn can be redeemed for free fuel. The rate of interest associated with this particular car id 3.25% per month. The annual rate of interest is 39%. You can avail cash withdrawal of Rs.300 from the ATMs. However, it is subject to an interest of 2%.

    SBI Gold Credit Card:

    The Gold credit card offered by State Bank of India provides you the ultimate privilege of meeting your utility bills like telephone, electricity, insurance, etc. The Flexi Pay option that comes with this particular credit card helps you to make the payments in easy instalments on a monthly basis. Avail e-statements which are sent directly to your registered mail account. You can know the status of your credit card from the mobile alerts that you get. SBI Gold credit card is accepted globally and it can be swiped at more than 24 million establishments. Cash withdrawal facility is also available at the several MasterCard and Visa ATMs. Railway tickets and flight tickets can be booked using the SBI Gold card. The joining fee for this card is Rs.299 and the annual charge is also rs.299. The rate of interest is 3.35% per month and the annual rate of interest is 40.2%. In case you need a replacement for your card, you will have to pay an amount of Rs.100.

    HDFC Platinum Plus Credit Card:

    Customers of the Platinum Plus credit card offered by HDFC can avail fuel surcharge waiver of Rs.250. You can earn 2 rewards points for every Rs.150 spent using this card. You will not be liable for anything in case of loss or theft of the credit card. You can enjoy an interest free credit period for 50 days. No joining fee is associated with this particular credit card. If the Platinum Plus credit card is issued against FD then the interest liability is 1.99% each month and 23.88% yearly. If the car is not applied for against FD, the rate of interest is 3.4% per month and 40.8% per year.

    Standard Chartered Manhattan Platinum Card:

    The Manhattan Platinum credit card offered by Standard Chartered Bank provides you rewards and cashback when you shop. When you purchase from the department stores and supermarkets using this card, you can avail a cashback of 5%. You can also earn 5X rewards points for shopping. The annual fee of the Manhattan Platinum credit card is Rs.499. From the second year onward the fee for the card is Rs.999. You can make payments using ECS, Netbanking, Billdesk, Visa money transfer and NEFT/IBFT.

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