There are a number of credit cards in India which offer attractive benefits in the form of reward programs, cashbacks, fuel savings, insurance benefits, travel benefits, etc. Choosing the right credit card based on your lifestyle requirements will help you reap the maximum benefits from the card. Here is all the information you need about the top 10 credit cards in India based on various categories and parameters. This will help you choose the right credit card that will add more value and savings to your lifestyle.
|Credit Card||Joining Fee||Annual Fee|
|FinBooster: YES Bank-BankBazaar Co-branded Credit Card||NIL||NIL|
|IndusInd Bank Platinum Aura Edge Visa Credit Card||NIL||NIL|
|YES Prosperity Edge Credit Card||-||Rs.1,199|
|RBL Shoprite Credit Card||-||Rs.500|
|Standard Chartered Platinum Rewards Credit Card||-||Rs.250|
|IndianOil Citi Credit Card||-||Rs.1,000|
|HDFC Freedom Credit Card||-||Rs.500|
|Axis Bank Neo Credit Card||Rs.250||Rs.250|
|Yatra SBI Credit Card||Rs.499||Rs.499|
|IndusInd Bank Platinum Card||Rs.3,000||NIL|
|Credit Card||Best For|
|FinBooster: YES Bank-BankBazaar Co-branded Credit Card||Reward Points|
|Yatra SBI Credit Card||Travel, Flight Booking, Hotel Booking|
|YES Prosperity Edge Credit Card||Shopping and lifestyle|
|RBL Shoprite Credit Card||Shopping|
|Standard Chartered DigiSmart Credit Card||Online Shopping, Travel & Dining|
|IndusInd Bank Platinum Credit Card||Lifetime Free Card|
|IndianOil Citi Credit Card||Fuel|
|Axis Bank Neo Credit Card||Cashback, Hotel, Movies|
|HDFC Bank Diners ClubMiles Card||Lounge Access|
|Citi Rewards Credit Card||Rewards|
|Axis Bank Neo Credit Card||Bookings, Shopping, Movies|
|IndusInd Bank Platinum Aura Edge Credit Card||Travel, Dining, Lifestyle|
FinBooster: YES Bank - BankBazaar Co-branded Credit Card comes with no joining and annual fees.
Benefits of FinBooster: YES Bank - BankBazaar Co-branded Credit Card
Benefits of IndusInd Bank Platinum Aura Edge Visa Credit Card
This YES Prosperity Edge Credit Card allows you to earn while you spend and you can enjoy rounds at select golf courses in India.
Benefits of YES Prosperity Edge Credit Card
Every time you shop using this RBL Bank Shoprite Credit Card, you can earn reward points and redeem them for products on the bank's catalogue.
Benefits of RBL Bank Shoprite Credit Card
This Standard Chartered Platinum Rewards Credit Card helps you save money every time you dine out. You can also earn rewards on your spends
Benefits of Standard Chartered Platinum Rewards Credit 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 Credit Card
Key Highlights of HDFC Freedom Credit Card
Moviegoers and shoppers love this Axis Bank Neo Credit Card. It offers some of the best dining, shopping, and entertainment benefits in India. Cardholders can also earn reward points on their spendings and make purchases on EMI.
Benefits of Axis Bank Neo Credit Card
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:
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 Credit Card
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 its inception in the 1950s, credit cards have had a significant impact on the economy.
To avail a credit card, certain eligibility criteria will have to be met. For example, the applicant must be earning a minimum annual income as defined by the credit card provider and must be an adult. Additionally, credit scores also play an important role.
Salaried individuals can avail a number of a 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 comes with different benefits and features, and the eligibility criteria for each of these cards will vary.
The FinBooster: YES Bank - BankBazaar Co-branded Credit Card gives you access to a free real-time dashboard through which you can track your spends and credit score, thereby helping you maintain a good credit report.
You have a lot of options for shopping credit cards in India. Depending on your need, you can choose SBI SimplySave Credit Card, Citi Cashback Card and or HSBC Visa Platinum Credit Card, to name a few.
The system of reward points varies from one credit card to another. For the best reward points you can choose the FinBooster: YES Bank - BankBazaar Co-branded Credit Card, HDFC Freedom Credit Card, IndusInd Bank Platinum Aura Edge Visa Credit Card, or Citi Cashback Card, to name a few.
Many credit cards in India comes with basic travel benefits which include lounge access at the airport, accelerated reward points on travel bookings, etc. However, there are many credit cards which offer added benefits on travel such as HDFC Bank Regalia credit card, etc.
There are several credit cards which offer a wide variety of entertainment benefits. However, there are a certain set of cards which are solely entertainment-oriented. They offer the best benefits when it comes to entertainment along with a few features across other categories as well. The Kotak PVR Gold Credit Card, HDFC Moneyback Credit Card and the Axis Bank Neo Credit Card are among the top credit cards for entertainment expenses.
Most cards which are mentioned above come with a set of dining privileges which will be given to you while you are dining out. There are also certain cards which offer discounts and cashback while ordering online. The HDFC Bank Diners Club Credit Card and the IndusInd Bank Platinum Credit Card are some of the credit cards which offer best-in-class dining benefits.
There is a certain number of lounge visits allotted to you with your credit card which are free of cost. However, after exceeding the maximum number of visits, you will have to pay a certain amount as a fee to utilise the lounge in domestic and international airports. The fee generally is the same for most credit cards. It is advised that you read the terms and conditions for domestic and international lounge access before using the card.
No, there is a range of credit cards offered by different banks which offer many benefits at a nominal annual and joining fee. Some of the credit cards are HDFC Bank Moneyback credit card etc.
The minimum salary required to apply for a credit card varies from one bank to the other. There are also credit cards offered for first-time applicants who may not have a higher income but can get a credit card with a lower credit limit depending on the various factors checked by the bank.
For the reward points, you can visit the website of the bank and redeem the points which have been accumulated in your card. The reward points can be redeemed to avail a wide range of products and services across various categories through the partnerships the bank has with other companies. Benefits such as movie tickets, dining, etc., will be automatically given to you once you use the credit card. However, it is important to know the terms and conditions of the benefits which are given with your card.
Aditya Birla Finance and State Bank of India (SBI) Card worked together to launch a new credit card. Aditya Birla SBI Card is the name of the credit card, and it is well-known for being a highly lucrative credit card that will award reward points to its customers on their expenditure across a variety of industries, including travel, fashion, dining, telecom, etc.
1 July 2022
According to the Reserve Bank of India (RBI) guidelines, online merchants will not be able to store the card data of customers. The new card tokenisation rules will take effect on 1 Oct 2022. The central bank mandated the use of card-on-file tokens for domestic online purchases in the guidelines. Furthermore, the deadline for adopting card tokens has been postponed from 1 July 2022 to 1 Oct 2022.
To facilitate secure transactions, the card tokens will be saved as an encrypted ‘token.' These tokens will enable payments without disclosing any consumer information. The tokenisation system is free and provides a safe and smooth customer experience.
23 June 2022
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