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

    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

    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
    More
    Bankbazaar Best Credit Cards in India 2019

    We found 10 Best Credit Cards in India 2019
    Card
    1st Year Fee
    Rewards
    Joining Perks
    5000
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    500
    Response Time : Within 30 minutes
    What you'll love
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    Think about
    Fee Details
    0
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    0
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    250
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    You'll also love
    Fee Details
    999
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    1000
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Fee Details
    499
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    499
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    499
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    You'll also love
    Fee Details

    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.

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

    Tenure Name of Credit Card Joining Fee Annual Fee from year 2
    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
    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.
    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.

    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.

    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

      

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    Top 10 Credit Cards in India Reviews

    • IndusInd Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Recently applied for INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD, they have not charged me annual fee, the credit limit which they have given to me was good, there was no specific reason behind choosing this card, the card came on time, the process of getting credit card was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI gives good support to the customer, but the charges are bit higher for the late payment. The credit limit is very sufficient, I am using this card around 1.5 year. Whenever I use my card they are providing the points for fuel purpose its good.
      Was this review helpful? 0
      , virudhunagar
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Since registered member of Bank bazaar i was aware about this website .Need to aware of the current situation from bank end .whether customer is applying for any product communication should be transparent and should not miss guide anything beyond the process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the CITI BANK where they have given the good offers also the customer service good with this bank as they are responsive and the card service is good without any hassle process. There is a EMI option with this card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card from long time, they have not charged me annual fee, i am happy with the credit limit which they have given to me good credit limit, i am happy with their service, they use give good offers in shopping, movie tickets etc.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Not Satisfied with the Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Indusind Bank Credit card .The agent gave the required details and not faced any issue.This is a free card but after that paid the charge of Rs.900. This was not informed earlier .The Bank agent not gave the relevant details about the charges.I was not satisfied with the service provided by the bank .Other than that it was ok.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • YES Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The process of getting the YES BANK credit card is simple and easy also the card has the good credit limit along with that it is hassle free to use. It has the offers like rewards points, cash backs, online purchase. The card is good card to use.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the credit card with the ICICI BANK and the card limit is good i have been using the card since from last few years and the documentation process was simple with fast to get the credit card. There was satisfactory offers with this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I took Standard chartered bank credit card, They have not been charging me annual fee, the credit limit which they have given to me was good, they have given me limit on based on my expectation, their mobile application is user friendly , so far experience was good with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I use Kotak mahindra bank credit card from long time, They have been charging me annual fee but waiver option is available , i am happy with the credit limit which they have given to me, they use to give good offers in airport lounge, their service was prompt, my experience with this card was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the credit card with the SBI CARD the credit limit with this card is satisfactory also the card is user friendly to access. I am getting the offers but i am using it also the card has the EMI conversion option it is easy to convert the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      HSBC credit card service is good, they use to give give good offers, like based on my requirement i take offers whenever i get, they have not charged me annual fee, their customer care service is good , they response me well, they use to give good credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFC bank credit card for an while, They haver given me good credit limit based on my requirement, they did not charged me annual fee, their service is good, they did not charged me any hidden charges, i can easily transfer into emi option whenever i want, their overall service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold CITI bank credit card from longtime, they have charged me annual fee , but waiver option is not available , the credit limit which they have given to me was good, they use to do good transaction, their offers are good, they use to give good cash back and discounts everytime.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold Axis bank credit card from long time, They have not charged me annual fee, the credit limit which they have given to me was good, but i am not happy with their service, their service is not that up to the mark, their customer care should be improved, there is no issue with card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I applied for Indusind bank credit card recently. The process of getting card was simple and easy, the card came on time, the reason behind choosing this card is for their offers they use to give good offers in movie tickets every 1+1 movie tickets every month they give. I am happy with the credit limit which they have given to me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this HDFC Bank Credit Card for the past 4 years.The credit limit was good and i have directly applied with the bank.There was good cashback offers and reward points .There was no difficulties faced so far .I have received the credit card on time .The service is good to me so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am also using Kotak credit card and got reward points and I donâ??t know how to redeem my points and this information is not provided on the mobile app too.The customer service is okay and even the branch response was prompt. I think, they do charge annual fee of Rs.500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      They have given the good offers so i have taken the credit card with the INDUSIND BANK. The documentation process was good but there was delay to get the card which is twenty days. The credit limit is good and satisfactory and it is a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no issues with Bank Bazaar and its been a good experience. I have installed the mobile application to check the credit score then it is easy to apply the card according to the offers. I have been using it for long time. The executive explained the details very clearly about the product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
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