Best Credit Cards in India – Top 10 Credit Card 2024 You Can Choose

Introduction to Best Credit Cards in India: Choosing the right credit card in India is a crucial decision that can significantly impact your financial life. With a plethora of options available, it’s essential to select a card that aligns with your spending habits, preferences, and financial goals. In this guide, we’ll explore the top 10 credit cards in India for 2024, covering various categories such as cashback, rewards, travel, and premium offerings.

Table of Content

Here is the Latest List of Best 10 credit cards in India in 2024

  1. Axis Ace Credit Card (Best Credit Cards in India)
  2. HDFC MoneyBack Plus Credit Card
  3. Flipkart Axis Bank Credit Card (Best Cashback Credit Cards in India)
  4. Amazon Pay ICICI Credit Card
  5. SimplyCLICK SBI Credit Card
  6. HSBC Cashback Credit Card (Another Best Credit Cards in India)
  7. HDFC Regalia Credit Card (Best Credit Card For Travel And Insurance Support)
  8. Amex MRCC
  9. SBI Card PRIME (Best Credit Cards in India (Premium)
  10. American Express SmartEarn Credit Card

Axis Ace Credit Card – The Best Credit Cards in India That You Can Try

Best Credit Cards in India
9Expert Score
The best Cashback Credit card in India

it offers the best rate of cashback up to 2% on every online and offline spending we do.

Cashback
8.5
Free lounge Access
7.5
Fees
8
Eligibility
7.5
ChargeDescriptionAmount
Joining FeeApplicable if spending of Rs. 10,000 within 45 days of issuance is not metRs. 499
Annual FeeApplicable from the 2nd year onwardsRs. 499
Annual Fee WaiverAchieved by spending Rs. 2 lakh or more in a yearN/A
Finance Charges (Retail Purchases and Cash)Charged if minimum due is not paid by due date3.6% per month (52.86% per annum)
Cash Withdrawal FeeMinimum Rs. 500 or 2.5% of the amount withdrawn, whichever is higher2.5%
Overdue Payment PenaltyVaries based on the outstanding amountRs. 500 – Rs. 1200
Late Payment FeeApplicable if payment is delayed beyond the due dateNil if total payment due is upto Rs. 500, Rs. 500-1200 for higher amounts

Overview And Benefits

The Axis Ace Credit Card stands out as a compelling choice for individuals seeking a straightforward cashback credit card in India. With its attractive cashback rates on various transactions and additional perks, it has gained popularity among users. Here’s a detailed look at the key features and benefits of the Axis Ace Credit Card:

Key Features and Benefits:

  1. 2% Flat Cashback on All Transactions:
    • Earn a flat 2% cashback on all your spending, regardless of the category.
  2. 5% Cashback on Bill Payments & DTH/Mobile Recharges on Google Pay:
    • Enjoy a substantial 5% cashback on bill payments for electricity, internet, gas, and more, as well as DTH and mobile recharge when using Google Pay.
  3. 4% Cashback on Swiggy, Zomato & Ola:
    • Avail 4% cashback on popular services like Swiggy, Zomato, and Ola, providing significant savings on food deliveries and transportation.
  4. 1% Fuel Surcharge Waiver:
    • Save on fuel expenses with a 1% fuel surcharge waiver at all fuel stations across India.
  5. No Joining Fee:
    • Apply for the Axis Ace Credit Card without any joining fee.
  6. Annual Fee of Rs.499 (Waived on Annual Spend of Rs.1 Lakh or More):
    • While there is an annual fee of Rs.499, it can be waived if you spend Rs.1 lakh or more in a year.
  7. Complimentary Airport Lounge Access:
    • Enjoy the luxury of domestic airport lounge access as a cardholder.
  8. Reward Points:
    • Earn reward points on your transactions, offering flexibility in redeeming them for a range of gifts and vouchers.

Things to Consider:

Before applying for the Axis Ace Credit Card, it’s essential to be aware of certain details:

  • Annual Fee Waiver: The annual fee is Rs.499, but it can be waived by reaching a spending threshold of Rs.1 lakh in a year.
  • Fuel Surcharge Waiver Limit: There is a cap of Rs.500 on the fuel surcharge waiver per statement.
  • Cashback Cap: The cashback is capped at Rs.10,000 per month.

Top 9 Points to Read For Axis Ace Credit Card (Best Credit Cards in India)

  1. Axis Ace Credit Card offers an attractive 2% flat cashback on all transactions, setting it apart in cashback offerings.
  2. Bonus 5% cashback on bill payments and DTH/mobile recharges through Google Pay adds extra savings to essential expenses.
  3. Avail a substantial 4% cashback on Swiggy, Zomato, and Ola, ensuring significant savings on food and transportation.
  4. Enjoy a 1% fuel surcharge waiver at all fuel stations across India, providing relief on fuel expenses.
  5. No joining fee makes applying for the Axis Ace Credit Card hassle-free, especially for new users.
  6. Conditional annual fee waiver: Spend Rs.1 lakh or more annually to waive the Rs.499 annual fee, offering flexibility.
  7. Complimentary domestic airport lounge access enhances the travel experience for cardholders.
  8. Earn reward points on transactions, providing flexibility in redeeming them for gifts and vouchers.
  9. Important details: Be mindful of conditions for annual fee waiver, the Rs.500 fuel surcharge waiver limit, and the monthly cashback cap of Rs.10,000.

How to Apply:

You can apply for the Axis Ace Credit Card through the official Axis Bank website. Additionally, If you want to check eligibility you can visit pricemint.in/credit-card and Apply now.

Read Full Review on Pricemint – Axis Bank Ace Credit Card Review

HDFC MoneyBack Plus Credit Card

top credit cards in india
8.5Expert Score
One of the Best CashPoints Based HDFC Credit Card

It could be one of the popular CashPoints-based credit cards for use.

CashPoints
7
Renewal Offer
8
Eligibility
7
Benefits
8.5
FeatureDetails
Card TypeRewards Credit Card
Annual Fee₹500
Fee WaiverAnnual fee waived if annual spending exceed ₹50,000
Joining FeeNone
Income EligibilityMinimum monthly income of ₹25,000
Rewards and CashbackAll Spending – 1 CashPoint per ₹100
Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart Store – 10x CashPoints per ₹100 (capped at ₹250 per month per brand)
EMI Transactions2 CashPoints per ₹100
Dining at Select RestaurantsUp to 15% discount
Other BenefitsAccidental Death Cover – ₹2 lakhs
Airport Lounge Access – 6 domestic + 6 international
Fuel Surcharge Waiver – 1%
Contactless Payment EnabledYes
Reward Points ConversionTo airline miles or hotel bookings
EMI Conversion on Large PurchasesYes
Additional ChargesLate Payment Fee – ₹100 + 2.5% of outstanding dues
Over-limit Fee –
₹250 + 5% of over-limit amount
Foreign Currency Transaction Fee –
2.5%
Cash Withdrawal Fee
– 2.5% + ₹100
EligibilityMinimum Age 18 years
Indian ResidentYes, with valid PAN card and proof of address
Minimum Monthly Income₹25,000
Additional NotesReward Points Validity 3 years
Reward Points Redemption Limit 50,000 per calendar month
Redemption for Vouchers/Products Up to 70% of the value of select vouchers/products

Top 10 Points to Read For HDFC MoneyBack Plus Credit Card (Best Credit cards in India)

  1. HDFC MoneyBack Plus Credit Card, a Rewards Credit Card, is designed for daily expense rewards.
  2. Affordable annual fee: At ₹500, the card is cost-effective, catering to a diverse user base.
  3. Fee waiver incentive: Surpass ₹50,000 in annual spending for an annual fee waiver, encouraging regular usage.
  4. No joining fee hassles: Hassle-free application process with no joining fee for a seamless credit journey.
  5. Accessible income criteria: Minimum monthly income of ₹25,000, making it accessible to a wide range of individuals.
  6. CashPoints for all spending: Earn 1 CashPoint for every ₹100 spent, accumulating rewards for various expenses.
  7. High-earning categories: Enjoy 10x CashPoints in specialized categories like Amazon, Flipkart, Swiggy, etc., with a monthly cap.
  8. Additional rewards for EMI transactions: Earn 2 CashPoints per ₹100 on EMI transactions, offering extra rewards for installment payments.
  9. Dining discounts: Avail up to a 15% discount at select restaurants, enhancing the overall dining experience.
  10. Comprehensive benefits: From accidental death cover and airport lounge access to a fuel surcharge waiver and contactless payment options, the card offers a comprehensive suite of benefits.

Read the Full Review on HDFC Moneyback Plus Credit Card Benefits, Features, Limit

Flipkart Axis Bank Credit Card – Another Best Credit Card in India

Best Credit Cards in India
8.5Expert Score
One of the popular percent-based cashback credit cards from Axis Bank.

It is one of the trending direct cashback-based credit cards that individuals loved.

Cashback
8.5
Charges
7.5
Benefits
8
Eligibility
9
Key HighlightsDescription
Welcome GiftThe applicant will get ₹1,100 as a welcome benefit and additional benefits as a Flipkart voucher of ₹500 to ₹1000.
Card TypeLow End/ Cashback Based Card
Yearly ChargesThe Yearly Charge is 500 Rupees And Additional Required Taxes.
– it could be waived off if you use your card and spend up to 2 lakh annually.
Joining ChargesIt has a ₹500 Rupee Membership charge. it will be back as a Flipkart Voucher of ₹500.
Cashback Offers– The applicant will earn 5% cashback on every shopping from myntra and Flipkart and its daughter companies like Flipkart Refurbished online website. Above all, it has unlimited cashback on every spending. in simple words, it does not have any upper limit to earn cash back on shopping.
Other Cashback– It has a Facility to earn 4% cashback on spending on Flipkart partner sites like Swiggy, TATA Play, And Cleartrip.
Other Purchasing BenefitsIt offers a Flat 1.5% Unlimited Cashback on Any Online and offline Spending by using the card.
Other BenefitsThe card comes with several mind-blowing additional benefits like free 4 Airport Lounge Access, Up to 20% Dining discounts with partner Restaurants. 1% Fuel Discount on refueling and more.
Eligibility– Self Employed Income Up to ₹30,000
– Salaried Person Gross Monthly Income must be ₹15,000 or more

Top 10 Points to Read For HDFC MoneyBack Plus Credit Card (Top Credit Card in India)

  1. Annual Fee: Rs. 499 (Waived off on spending Rs. 3.5 lakh or more).
  2. Cashback Rates: 5% on Flipkart, 4% on preferred merchants, 1.5% on other categories.
  3. Welcome Benefits: Rs. 500 Flipkart voucher, free movie tickets, and airport lounge access.
  4. Age Limit: 18 to 70 years.
  5. Minimum Income: Salaried – Rs. 18,000, Self-Employed – Rs. 25,000 per month.
  6. Cash Withdrawal Fee: 2.5% of the total amount (minimum Rs. 500).
  7. Fuel Surcharge Waiver: 1% for transactions Rs. 400 to Rs. 4,000.
  8. Additional Benefits: Accidental death insurance cover, Priority Pass membership.
  9. EMI Bounce Charges: 2% on EMI bounce.
  10. Eligibility Documents: Aadhar for address, PAN for identity, and income proof.

Read Full Review on PricemintFlipkart Axis Bank Credit Card Review

Amazon Pay ICICI Credit Card (Best Free Credit cards in India)

best free credit card in india
8Expert Score
One of the Popular No Annual charges based on Credit Card By ICICI BANK.

It is one of the accepted Almost no annual and joining charges-based credit cards that individuals loved.

Cashback
8
Charges
9
Benefits
8
Eligibility
7.5
HighlightsDescription
Welcome BenefitsThe card comes with offers up to ₹1600 welcome reward points benefits to the applicant
Card TypeLow-level card for all Variety of spending
Renewal/Joining ChargesIt is Free for a lifetime USE. Above all, it has no joining fee too.
Cashback– If you Are an Amazon Prime member, Then You are Fully eligible to get 5% amazon pay cashback on every transaction by using the Amazon website.
– However, If you are not a prime member, you are eligible for getting cashback up to 3%.
Partner SitesIt provides you the facility to earn 2% cashback as a form of amazon pay balance on booking trains, hotels, and more from the amazon pay app. On Bill payments Too.
Other Purchasing BenefitsThe cardholder can get a Flat 1% Amazon pay balance based (Cash back) on spending anywhere even offline.
Eligibility– Self Employed Income ₹35,000 or more
– Salaried Employee Salary must be ₹25,000 or more

Top 10 Points to Read For Amazon Pay ICICI Credit Card (Best Credit Cards in India)

  1. Card Type: Rewards Credit Card with no Joining Fee or Annual Fee.
  2. Income Eligibility: Minimum monthly income of ₹18,000 for salaried and ₹25,000 for non-salaried individuals.
  3. Cashback Rates: 5% on Amazon.in for Prime members, 3% for non-Prime members, 2% at partner merchants, and 1% on other transactions.
  4. Rewards Flexibility: No limit or expiry date on rewards earned, usable for purchases on Amazon.in and partner merchants.
  5. Insurance Benefits: Complimentary life insurance covers up to ₹2 lakhs, along with free accidental death cover of ₹1 lakh.
  6. Special Rewards: 2X reward points on mobile recharges through Amazon Pay.
  7. Exclusive Access: Cardholders enjoy exclusive offers and discounts on Amazon.in and partner merchants.
  8. Additional Charges: Late payment fee of ₹100 + 2.5%, over-limit fee of ₹250 + 5%, 2.5% foreign currency transaction fee, and 2.5% + ₹100 cash withdrawal fee.
  9. Eligibility Criteria: Minimum age of 18, Indian resident with valid PAN card and proof of address, and specified monthly income requirements.
  10. Application Convenience: Instant activation upon approval, option for Video KYC, and no minimum spending required to earn rewards.

Read Full Review on PricemintAmazon Pay ICICI Credit Card Review 

SimplyCLICK SBI Credit Card

best credit card in india with no annual fee
7.5Expert Score
One of the Awesome Reward Points Based Low-End Level Card By State Bank of India

if you looking for a low-end card for Online Shopping? Then Try SBI SimplyClick For Awesome Discounts on Deals

Cashback
7
Fees
7.5
Eligibility
8
Benefits
8
Key PointsInformation
Welcome GiftAs A Welcome Gift, it offers an Amazon e-gift voucher Which is worth ₹500.
Card TypeEntry-level/Low-End Type Card
Annual FeeFor managing the card, it has a yearly charge of Rs. 499.
For JoinFor Getting The Card, it has charges of Rs. 499. However, it’s Reversible. if you spend more than 1 lakh in 1 year by using the card. it will be Reversed.
Cashback– The applicant can earn 10X Rewards Points on spending a few popular online websites like Lenskart, Amazon, BookMyShow, Cleartrip, and Netmeds.
– By using the card in online stores, it provides the facility to earn 5 reward points by spending ₹100 or more on all other online transactions.
Other Purchasing Benefitsit offers 1 reward point as a form of cashback on spending ₹100 or more at any other offline merchants.
Eligibility– Self Employed Income Up to ₹30,000
– Salaried Employee Salary must be ₹20,000 or more
Other Benefits– Contactless Technology
– Enjoy Complete Fuel Freedom 1% off on all petrol stations.
– For Smart EMI, You can convert your big purchases into easy monthly installments

Top 10 Points to Read For Amazon Pay ICICI Credit Card (Top Credit Card in India)

  1. Card Type: Rewards Credit Card with variants: SimplyCLICK and SimplyCLICK Advantage.
  2. Annual Fee: ₹499, waived with annual spends over ₹1 lakh for both variants.
  3. Renewal Fee: Same as annual fee, with waiver conditions.
  4. Joining Fee: None.
  5. Income Eligibility: Minimum monthly income of ₹12,000.
  6. Rewards Rates: 5 Reward Points (2% cashback) on all online spending, 10 Reward Points (4% cashback) on select online partner brands, and 1 Reward Point (0.4% cashback) on other transactions.
  7. Fuel Surcharge Waiver: 1% on all fuel transactions.
  8. Other Benefits: Milestone rewards, ₹2 lakhs accident death cover, contactless payment, reward points conversion options, and EMI conversion.
  9. Additional Charges: Late payment fee, over-limit fee, foreign currency transaction fee, and cash withdrawal fee.
  10. Eligibility Criteria: Minimum age of 18, Indian resident with valid PAN card and proof of address, and minimum monthly income of ₹12,000.

HSBC Cashback Credit Card (One of the Best Credit Cards in India For Cashbacks)

8Expert Score
Awesome Cashback Card By HSBC

If you looking for an entry-level credit card for savings extra and getting a good rate of cash back, the HSBC Cashback card could be a cool option to choose from.

Cashback
8.5
Fees
7.5
Benefits
8.5
Eligibility
7.5
Key PointsInformation
Welcome BenefitsAs A Welcome Gift, it offers Amazon, Big Basket, Myntra, and Ajio Gift Vouchers.
– Amazon voucher ₹1000 Worth
– 250 Voucher From Big Basket
– Myntra Gift Voucher Which is around ₹1,500 (₹300 x 5 )
– Ajio Gift Vouchers Worth (₹3,000)
Card TypeA Low-End New Cashback Card By HSBC
Annual FeeIt has an annual charge of ₹999. It comes with a waived-off facility. If you use the card and spend up to 1 Lakh annually It will be waived off.
For JoinIt has no getting or joining charges
CashbackOn Online Transactions, it offers 1.5% Flat Cashback on every spend. it has no upper limit to earning cashback on deals except the transfer of funds to an online wallet.
Other Purchasing BenefitsThis Low-End Card comes with a flat 1% Cashback on all other Transactions.
EligibilitySalaried Person Annual Salary must be ₹Rs. 4 Lakhs or more
Other Benefits– On Travel Benefits, it offers 3 Complimentary (Free OF Cost) Lounge Access in India or Outside in India.
– 50% discount on first spending on Google Pay (upto 100 Rupees)

Top 10 Points to Read For HSBC Cashback Credit Card (Top Credit Card in India)

  1. Card Types: Regular and Premier variants.
  2. Joining Fee: Regular – ₹999, Premier – ₹4,999 (refundable upon spending ₹6 lakhs in a year).
  3. Annual Fee: Regular – ₹999 (waived if annual spending exceeds ₹2 lakhs), Premier – ₹4,999 (waived if annual spends exceed ₹6 lakhs).
  4. Income Eligibility: Minimum annual income of ₹4 lakhs for salaried and ₹5 lakhs for non-salaried.
  5. Cashback Rates:
    • Regular: 10% cashback on dining, food delivery, and groceries, 1.5% unlimited cashback on other spends.
    • Premier: 15% cashback on dining, food delivery, and groceries, 2% unlimited cashback on other spends.
  6. Additional Benefits: Complimentary lounge access, milestone rewards for Premier, dining discounts, accident death cover, contactless payment, and reward points conversion options.
  7. Cashback Caps: ₹1,000 per month for Regular, ₹1,500 per month for Premier.
  8. EMI Transactions: Cashback applies as per spending category.
  9. Additional Charges: Late payment fee, over-limit fee, foreign currency transaction fee, and cash withdrawal fee.
  10. Eligibility Criteria: Minimum age of 18, Indian resident with valid PAN card and proof of address, and minimum annual income requirements.

HDFC Regalia Credit Card (Best Credit Card For Travel)

top credit cards in india
9Expert Score
One of the premium-level facilities credit cards at a low cost by HDFC Bank.

If you want a premium level Type Credit card that Provides Facility a lot of international travel Benefits and insurance support at low charges. HDFC Regalia Credit Card could be an amazing option to choose from.

Benefits
8.5
Cashback
7
Eligibility
8
Charges
8
Key PointsInformation
Welcome Gifts And OffersAs A Welcome Offer, it offers 2500 Reward Points
(If the applicant did pay membership fees then No Welcome Benefits will get.)
Card TypeA Premium Level Type Card By HDFC
Annual Fee₹2,500 Will be the Annually Fee
For JoinTo Getting And Joining The Card Membership, It has a fixed Joining Fee of Rupee ₹2,500 And taxes.
CashbackOn retail shopping, it offers to earn 4 reward points as a cashback on every spending of ₹150 or more.
Other Purchasing BenefitsOn Refueling in India, it offers 1% discounts on all stations.
HDFC Benefits– 2% Foreign Currency Markup
– Revolving Credit
– Zero lost card liability
Eligibility– Self Employed Annually Income Up to ₹12 Lakh
– Salaried Person Gross Monthly Income must be ₹₹1 Lakh or more
Other Benefits– The applicant can get 12 Free (Complimentary) Domestic Airport Lounge Access. Additionally, You also get 6 Free Cost International Lounge Access To Use Outside India.
– It provides the facility to card holders of more than 1 crore rupees Insurance cover on Air accident death
– it offers a flat 25% Discount at Famous more than 2000 premium restaurants in Indian cities.
Milestone GiftsAs A Bonus gift, it offers 10,000 Reward Points on spending more than 5 lakhs in the anniversary year. Above All, Additional 5000 reward points for spending up to 8 lakh in the same year.

Top 10 Points to Read For HSBC Cashback Credit Card (Best Credit Cards in India)

  1. Reward Points: Earn 4 points for every ₹150 spent, redeemable for travel, dining, and shopping rewards.
  2. Welcome Bonus: Get 10,000 bonus points on spending ₹5 lakhs, and an extra 5,000 on spending ₹8 lakhs annually.
  3. Milestone Benefits: Reach spending milestones for additional rewards, like 5,000 points for ₹3 lakhs spent.
  4. Airport Lounge Access: Enjoy complimentary access to 1,000+ lounges globally, including domestic and international options.
  5. Travel Insurance: Avail up to ₹1 crore in travel insurance for flights or hotel bookings made with the card.
  6. Dining Benefits: Access discounts and special offers at various restaurants.
  7. Movie Tickets: Receive discounts on movie tickets when booking with the HDFC Regalia Credit Card.
  8. Annual Fee: The card carries an annual fee of ₹3,999.
  9. Ideal for Travelers: Suited for frequent travelers who spend on dining and entertainment.
  10. Considerations: The rewards program is competitive but not as generous as some other premium cards; the annual fee is relatively high.

Read Full Review on PricemintHDFC Regalia Credit Card Review

Amex MRCC – American Express Membership Rewards Credit Card

7Expert Score
One of the popular Low-End Credit cards By American Express

if you are looking for an Amex Entry level type card for better convenience, Membership Rewards Credit Card Could be a better option to choose from.

Cashback
7
Fees
6
Eligibility
7.5
Benefits
8
Key PointsInformation
Welcome BenefitsAs A Welcome Reward, It offers 4,000 Bonus Membership Rewards® Points it is only valid when you pay all joining and annual fee.
Card TypeAnd Low-END Or Entry level Type
Annual FeeThe card offers a ₹1,000 rupee annual charge for the first year after that, in the second-year annual charges will be a fixed rate of ₹4,500 and taxes.
For JoinTo Join and get the card, it has to join a fee of ₹1,000 and GST. In Few Offers, It could be free Sometimes.
CashbackThe applicant can earn 1 Membership Reward® Point on the spending of ₹50 or more. However, it is not valid for spending on Cash Transactions, refueling, Insurance, Utilities, and EMI.
Other Purchasing Benefits1 MR Point
Eligibility– Self Employed Annual Income ₹6 Lakhs and above
– Salaried Employee Annual Salary must be ₹Rs. 6 Lakhs or more
Other Benefits– This Amex card holder can get up to a 20% discount on Dining.
– Zero Lost Card liability
– Contactless Payment
– AMERICAN EXPRESS EMI
Milestone Gifts– The cardholder can earn 1,000 Membership Rewards points on spending ₹20,000 or above in a calendar month.
– The cardholder can get more than 5,000 Membership Rewards Points upon First Year Card Renewal

Top 10 Points to Read For SBI Card Prime (Best Credit cards in India)

  1. Earning Points: Get 1 Membership Rewards point for every dollar spent with bonus points on specific categories like flights and select car rentals.
  2. No Spending Cap: Earn points without a cap on spending.
  3. Redeeming Points: Transfer to airline and hotel loyalty programs, book travel through Amex Travel, or redeem for gift cards, including Amazon and Apple.
  4. Welcome Bonus: Enjoy a welcome bonus of up to 50,000 points (varies with offers).
  5. Global Assist: Receive Travel Accident and Baggage Insurance through Global Assist®.
  6. Purchase Protection: Benefit from Purchase Protection and Extended Warranty perks.
  7. Complimentary Access: Access exclusive events, tours, and activities with American Express Experiences.
  8. Annual Fee: The annual fee is $95.
  9. Foreign Transaction Fees: No foreign transaction fees, a plus for frequent travelers.
  10. Comparison: While flexible, compare with other premium cards for features like higher welcome bonuses and points-earning potential.

SBI Card PRIME

8.5Expert Score
One of the Popular Mid-level Type Credit Card Issued By SBI

If you want a mid-level card for better convenience in Travel, shopping, And rewards. SBI Card PRIME could be an awesome card to try-

Benefits
9
Charges
7
Cashback
8
Eligibility
7
Key PointsInformation
Welcome BenefitsAs a Welcome Benefit, it offers E-Gift Voucher that you can redeem on Popular Brands Like Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com
Card TypeMid-level Type Card By State Bank of India
Annual Feeit has an annual charge of ₹2,999 which could be Waived Off if you spend more than 3 lakh in 1 year by using the card.
For GettingTo Getting And Joining the membership of the card, It has a Fixed fee of ₹2,999.
CashbackThe card comes with cashback as a form of reward points. on spending ₹100 or more on Dining, Groceries, Movie Tickets, And More. You can earn 10 reward points on every purchase.
On Your BirthdayThe card offers a facility on your birthday to earn 20 reward points on spending ₹100 or more
Other Purchasing Benefits– For Other Spends, it offers 2 reward points for each purchase of ₹100 or above on all other retail purchases
1 Reward Points₹0.25
Eligibility– Self Employed Income Up to ₹80,000
– Salaried Person Gross Monthly Income must be ₹60,000 or more
Other Benefits– For Travelling Benefits, It offers 4 International And 8 Domestic Complimentary (Free) Lounge Access at Airport.
– It offers a free cost Membership of Club Vistara Silver
– Also, it also provides free membership of Trident Privilege Red Tier
Multiple Milestone Gifts– When You achieve your spending milestones, it offers a Gift voucher worth ₹1,000 from Pizza Hut. For Spending more than 50,000 in a calendar quarter.
– If you annually spend 5 lakh or Above, it provides you a gift voucher of ₹7000 That you can redeem on the Yatra or Pantaloons website.

Top 10 Points to Read For SBI Card Prime (Best Credit cards in India)

  1. SBI Prime Advantage Credit Card: Earn 2 Reward Points per Rs. 100 on retail purchases (excluding fuel).
  2. Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharge for transactions between Rs. 500 and Rs. 4000, capped at Rs. 250 per month.
  3. Annual Fee: Rs. 2,999 + taxes for general-purpose SBI Prime Advantage Credit Card.
  4. Club Vistara SBI Card PRIME: Earn 4 Reward Points per Rs. 100 on Vistara tickets and access to Vistara lounges.
  5. Travel and Dining Rewards: 2 Reward Points per Rs. 100 on other travel and dining spends.
  6. Welcome Bonus: Receive a welcome bonus of 2,000 Vistara Club Points.
  7. Max SBI Card PRIME: Earn 5 Reward Points per Rs. 100 at Landmark stores.
  8. Retail Purchases: Get 1 Reward Point per Rs. 100 on other retail purchases.
  9. Milestone Bonus: Receive bonus points based on annual Landmark spends.
  10. Lifestyle Home Centre SBI Card PRIME: Offers benefits for Lifestyle Home Centre shoppers, similar to Max SBI Card PRIME.

American Express SmartEarn™ Credit Card

best cashback credit card india
7Expert Score
SmartEarn is one of the Popular Entry Level Card By American Express.

It is one of the Reward Points based Low-End credit cards by American Express

Reward Points
7
Eligibility
7
Benefits
7.5
Charges
8.5
Key PointsInformation
Welcome GiftAs A Welcome Gift, it offers ₹500 cashback, it is only eligible if you spent ₹10,000 or more starting 90 days.
Card TypeLow-END Amex card
Annual Fee₹495 is fixed annual charges Additional GST Taxes will be applied.
– It will be Waived off If you spend more than 40,000 in the previous year.
Cashback– The applicant will eligible to get 10X Membership Rewards on spending on Flipkart, Amazon & Uber.
– It offers the facility to earn 5X Membership Rewards on spending from the sites like Jabong, Grofers, Big Bazaar, and Paytm Wallet.
Other Purchasing BenefitsThe cardholder can get 1 Membership Rewards Point for purchasing ₹50 or more.
Eligibility– Self Employed Annual Income Up to 6 lakhs
– Salaried Person Gross Annual Income must be ₹4.5 lakhs or more
1 Reward PointsIt depends on Companies to Companies when you redeem the Points. it could be around ₹ 1, ₹0.75, or ₹ 0.25.
Other Benefits– Zero Lost Card Liability
– 24X7 Card Related Assistance
– Smart EMI
– Emergency Card Replacement

Top 10 Points to Read For American Express SmartEarn™ Credit Card (Best Credit card in India)

  1. Card Type: Rewards Credit Card.
  2. Annual Fee: ₹495 + taxes (from the first year).
  3. Rewards: 10x points on Amazon, Flipkart, Uber, etc. (capped at ₹250 per brand per month), 5x on other online spending, and 1x on offline spending.
  4. Welcome Bonus: 500 points on the first transaction, ₹500 cashback on ₹10,000 spent in the initial 90 days.
  5. Renewal Fee Waiver: Annual fee waived on ₹40,000+ spent in the previous year.
  6. Milestone Vouchers: ₹500 vouchers at spend milestones.
  7. Additional Benefits: Complimentary Membership Rewards® Gold, accident insurance up to ₹2 lakhs, Global Assist hotline (24/7 assistance).
  8. Eligibility Criteria: Minimum age 18, Indian resident, varying minimum income.
  9. Redemption Options: Points valid for 3 years, usable for travel, shopping, and more.
  10. Validity and Charges: Different reward rates for some brands, and additional charges apply.

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