In today’s digital world, credit cards have revolutionized how we make transactions, earn rewards, and boost our credit scores. But with so many options, finding the perfect credit card can feel like searching for a needle in a haystack. Fret not! We’ve done the hard work for you and compiled a stellar list of the top credit cards in India. These cards offer various benefits, from cashback and rewards to travel perks and lifestyle privileges. Whether you’re a passionate shopper, an avid traveller, or someone seeking a card with low interest rates, our carefully curated list covers you.
Top Credit Cards for Travel in India 2024
Axis Bank Atlas Credit Card
– Joining Fee: Rs. 5,000 + GST
– Renewal Fee: Rs. 5,000 + GST
– Best Suited For: Travel
– Reward Type: Reward Points
– Welcome Benefits: 2,500 Edge Miles on Completing 1 Transaction Within 30 Days of Card Issuance
Are you looking for a credit card that rewards your love for travel? The Axis Bank Atlas Credit Card is just what you need! Earn 2 Edge Miles for every Rs. 100 spent within India and 4 Edge Miles for every Rs. 100 spent internationally. Enjoy perks like airport lounge access, travel insurance, and great discounts on hotel bookings. Moreover, you also get a complimentary Air India or Vistara membership to supercharge your miles accumulation. Use your miles to book flights, hotels, and exciting travel experiences for a more fulfilling and rewarding journey!
American Express Platinum Travel Credit Card
– Joining Fee: Rs. 3,500 + GST
– Renewal Fee: Rs. 5,000 + GST
– Best Suited For: Travel
– Reward Type: Reward Points
– Welcome Benefits: 10,000 Membership Rewards Points
Unlock luxurious travel benefits with the American Express Platinum Travel Credit Card. Indulge in exclusive access to over 1,200 airport lounges, personalized travel planning, and premium hotel perks. Earn 5 Membership Rewards Points for every Rs. 100 spent internationally, and treat yourself to flight tickets, hotel stays, or unforgettable travel experiences. On top of that, relish in travel insurance coverage, special hotel booking discounts, and round-the-clock concierge service to ensure a seamless and indulgent travel journey. This is one of the top credit cards in India.
SBI Card Miles Elite Credit Card
– Joining Fee: Rs. 4,999 + GST
– Renewal Fee: Rs. 4,999 + GST
– Best Suited For: Travel
– Reward Type: Reward Points
– Welcome Benefits: 5,000 Travel Credits
The SBI Card Miles Elite Credit Card is your ticket to an exciting travel adventure! Earn 2 miles for every Rs. 100 spent on domestic purchases and 4 miles for every Rs. 100 spent internationally. Get access to airport lounges, travel insurance, and discounts on hotel bookings. As a bonus, you’ll receive a complimentary Club Vistara Silver membership. Use your miles to book flight tickets, hotel stays, or other fantastic travel experiences and make every journey extra enjoyable and rewarding!
RBL Bank World Safari Credit Card
– Joining Fee: Rs. 3,000 + GST
– Renewal Fee: Rs. 3,000 + GST
– Best Suited For: Travel
– Reward Type: Reward Points
– Welcome Benefits: MakeMyTrip voucher worth Rs. 3,000 as a welcome gift
Introducing the unique RBL Bank World Safari Credit Card! Get ready for an adventure with 2 reward points for every Rs. 100 spent within the country and 4 rewards for every Rs. 100 spent internationally. Enjoy free access to airport lounges, travel insurance, and incredible discounts on hotel bookings. Plus, you’ll receive a complimentary Club Vistara Silver membership, and you can use your points to purchase flight tickets, hotel stays, and other fantastic travel experiences. Get on this card and unlock a world of seamless, exciting travel!
Air India SBI Signature Credit Card
– Joining Fee: Rs. 4,999 + GST
– Renewal Fee: Rs. 4,999 + GST
– Best Suited For: Travel
– Reward Type: Reward Points
– Welcome Benefits: You will get 20,000 reward points in the form of a welcome benefit.
Are you looking for a credit card that improves travel experiences? The Air India SBI Signature Credit Card is your ticket to premium travel perks! Earn 4 reward points for every Rs. 100 spent, which you can redeem for Air India flights and upgrades. Access complimentary airport lounges enjoy travel insurance, and breeze through priority check-in. Plus, get a free Air India Maharajah Club membership to supercharge your rewards. With a 2.5% foreign currency markup and no fuel surcharge, this card is a must-have for frequent travellers. Make every journey more rewarding and enjoyable with this fantastic card!
Top Credit Cards for Fuel in India 2024
IndianOil Axis Bank Premium Credit Card
– Earn 6X EDGE Miles/₹150 at IndianOil outlets for fuel
– 2X EDGE Miles/₹150 on grocery spends
– 1X EDGE Miles on all other eligible spends
– Domestic airport lounge access and discounts on Zomato
Check out the fantastic benefits of the IndianOil Axis Bank Premium Credit Card! You can earn 6X EDGE Miles for every ₹150 spent on fuel at IndianOil outlets, a 6% discount. You’ll get a 1% fuel surcharge waiver for even more savings. What’s great is that there’s no limit on the fuel rewards you can earn, so the benefits are limitless! And that’s not all – you can also earn 2X EDGE Miles for every ₹150 spent on groceries. This premium credit card makes your fuel and grocery shopping experiences seamless and incredibly rewarding.
BPCL SBI Card OCTANE
– 7.25% value back on fuel transactions
– Complimentary airport lounge access
– Gift vouchers worth Rs. 2,000 as milestone benefits
– Spend-based annual fee waiver
Check out the excellent benefits of the BPCL SBI Card OCTANE! Get a fantastic 7.25% value back on fuel transactions at BPCL outlets, with no limit on savings. Say goodbye to fuel surcharges with a 1% waiver and earn 6 times the reward points on fuel spending. You can redeem these points for fuel, gifts, or travel bookings. Enjoy milestone benefits like gift vouchers worth Rs. 2,000 and a spend-based annual fee waiver. This card is a must-have for frequent fuel users, offering unmatched savings and rewards on fuel purchases.
IndianOil HDFC Bank Credit Card
– Earn fuel points on all spends
– Accelerated fuel points on fuel purchases
– Up to 50 liters of free fuel every year
Get ready to supercharge your fuel purchases with the IndianOil HDFC Bank Credit Card! You can enjoy an impressive 5% cashback on fuel buys at IndianOil outlets for up to 50 litres each month. Plus, you’ll earn fuel points on all purchases, with bonus points when you fill them out. Wave goodbye to the 1% fuel surcharge and say hello to significant savings. The best part? There’s no limit to the fuel rewards you can earn. You can even redeem your points for fuel, making every fill-up even more rewarding. If you’re a regular at IndianOil outlets, this card is your ticket to huge savings and rewards!
IDFC HPCL First Power Plus Credit Card
– Up to 6.5% savings on fuel spends
– 4% savings on LPG and HPCL fuel spends
– 1.5% savings on payment through HP Pay App
– 1% fuel surcharge waiver
Get ready to turbocharge your fuel savings with the IDFC HPCL First Power Plus Credit Card! Say goodbye to sky-high fuel costs and enjoy up to 6.5% savings on fuel spent at HPCL outlets, with no limit on your savings. That’s not all – you’ll also score a fantastic 4% savings on LPG and HPCL fuel spends, plus an extra 1.5% savings on payments made through the HP Pay App. And the perks don’t stop there! Say goodbye to pesky fuel surcharges with a 1% fuel surcharge waiver, making your rewards even sweeter. With this card’s accelerated rewards on fuel spending, you’ll earn points that can be redeemed for fuel, exciting gifts, or even travel bookings. It’s the ultimate card for frequent fuel users, offering unbeatable savings and rewards every time you fill your tank.
ICICI Bank HPCL Super Saver Credit Card
– Up to 6.5% cashback on fuel transactions at HPCL outlets
– Complimentary airport lounge access
– 25% discount on movies on BookMyShow
Get ready to supercharge your savings with the ICICI Bank HPCL Super Saver Credit Card! Fuel confidently and enjoy up to 6.5% cashback on fuel transactions at HPCL outlets, with no limit on your savings. Say goodbye to fuel surcharges with a 1% waiver that maximizes your rewards. Plus, for every ₹100 spent on fuel, earn 2 PAYBACK points that you can redeem for fuel, gifts, or travel bookings. It’s the ultimate card for frequent fuel users, offering fantastic savings and rewards every time you fill up.
Top Credit Cards for Cashback in India 2024
SBI Cashback Card
– Best for: Up to 5% cashback on online spends
– Max cap of 5,000 INR a month, equivalent to 1L monthly spends
Unlock incredible cashback rewards with the SBI Cashback Card! Get up to 5% cashback on online spending, including shopping, travel, and utility bills. Plus, earn 1% cashback on all other purchases with no limit on how much you can earn. But wait, there’s more! Enjoy exclusive perks like 2.5% cashback at departmental stores and 2.5% cashback on dining. With a generous cashback cap of ₹5,000 per month, equivalent to ₹1 lakh monthly spending, this card is a must-have for avid online shoppers, offering substantial rewards and savings.
Axis Ace
– Reward Rate: 2% – 5% (as cashback to card)
– Flat 2% cashback as statement credit
Introducing the Axis Ace Credit Card, your ticket to incredible cashback rewards! Get ready to earn a flat 2% cashback on all purchases with no cap on the maximum cashback earned. But wait, there’s more! You can also earn a fantastic 5% cashback on bill payments, grocery shopping, and dining and a generous 4% cashback on entertainment and travel bookings. The best part? There are no pesky rotating categories or spending limits so that you can enjoy unlimited cashback rewards on all your everyday expenses. The cherry on top is that your cashback rewards are credited directly to your statement, ensuring a seamless and rewarding experience. If you like the idea of hassle-free cashback without any restrictions, this card is perfect for you!
ICICI Amazon Pay
– Best for: 5% return on Amazon spends
– Lifetime free credit card
The ICICI Amazon Pay Credit Card offers exclusive cashback benefits, including 5% cashback on Amazon India purchases, making it a great choice for frequent Amazon shoppers. Additionally, earn 2% cashback on dining, groceries, and pharmacies, and 1% cashback on all other spends. With no cap on the maximum cashback earned, enjoy unlimited rewards on your everyday spends. The cashback rewards are credited to your Amazon Pay balance, allowing you to redeem them seamlessly on Amazon purchases. This card is perfect for those who regularly shop on Amazon, providing significant savings and rewards on their purchases.
Amex MRCC
– Best for: Gold Collection & Points Transfers
– 6% return on spends when used to get the 2000 MR bonus points monthly
Discover the fantastic benefits of the American Express Membership Rewards Credit Card (MRCC)! Get ready to earn 1 Membership Rewards point for every ₹50 spent and unlock a world of possibilities with flexible redemption options such as cashback, travel, or gift vouchers. When you redeem points for statement credit, you can enjoy up to 6% cashback on select spends, thanks to the fantastic redemption rate of 1 point = ₹0.50. But that’s not all – earn 2X points on international spending, 1X of domestic expenditure, and pocket bonus points on milestone spending. There’s no cap on earnable points, so make the most of your purchases and treat yourself to some well-deserved cashback or other rewards.
HDFC Regalia Gold
– Best for: Airport Lounge access & Milestone Benefits
– Priority Pass for all family members, sharing the complimentary lounge access limit with the primary card
Introducing the unique HDFC Regalia Gold Credit Card! Get ready to unlock exciting rewards with our fantastic cashback benefits through the exclusive Rewards Points program. You’ll earn 2 Rewards Points for every ₹150 spent, which can be redeemed for cashback, travel, or gift vouchers. With a fantastic redemption rate of 1 point = ₹0.50, you can earn up to 1.33% cashback on all your spends. That’s not all – experience accelerated rewards in select categories like dining, entertainment, and travel. And the best part? There’s no limit to the points you can earn! Enjoy milestone benefits, including bonus points and airport lounge access, making each swipe an unforgettable premium rewards experience. Get ready to maximize your rewards and redeem for cashback or other exciting rewards tailored to your preferences!
Conclusion
The right credit card can be a game-changer for your finances, providing rewards, cashback, and perks that perfectly align with your lifestyle. You can select the ideal credit cards from our top picks in India by considering your spending habits, financial aspirations, and personal preferences. Remember to acquaint yourself with the terms and conditions, comprehend the fees and interest rates, and use your card sensibly to maximize its advantages. With the right credit card, you can open the door to a world of rewards, savings, and financial flexibility, transforming your everyday purchases into an even more fulfilling and enjoyable experience.
Top Credit Cards in India 2024: Features, Benefits & Fees Compared!
FAQ’s
Q: What are the best credit cards for cashback in India?
A: SBI Cashback Card, Axis Ace, and ICICI Amazon Pay are popular for cashback rewards.
Q: Which credit card offers the most airport lounge access?
A: HDFC Regalia Gold and Amex Platinum Reserve offer complimentary lounge access.
Q: What are the top credit cards for online shopping in India?
A: ICICI Amazon Pay, Yes First Reserve and HDFC Tata Neu Infinity Rupay offer rewards and cashback on online spending.
