10 Best Credit Cards in India For Choose

Choosing the Best 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.

The 10 Best Credit Cards in India

  1. Axis Ace Credit Card
  2. HDFC MoneyBack Plus Credit Card
  3. Flipkart Axis Bank Credit Card
  4. Amazon Pay ICICI Credit Card
  5. SimplyCLICK SBI Credit Card
  6. HSBC Cashback Credit Card
  7. HDFC Regalia Credit Card
  8. Amex MRCC
  9. SBI Card PRIME
  10. American Express SmartEarn Credit Card

Axis Ace Credit Card

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
  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 the conditions for an annual fee waiver, the Rs.500 fuel surcharge waiver limit, and the monthly cashback cap of Rs.10,000.

HDFC MoneyBack Plus Credit Card

top credit cards in india
8.5Expert Score
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
  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 instalment 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.

Flipkart Axis Bank Credit Card

Best Credit Cards in India
8.5Expert Score
Popular cashback credit cards

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

Cashback
8.5
Charges
7.5
Benefits
8
Eligibility
9
  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.

Amazon Pay ICICI Credit Card

best free credit card in india
8Expert Score
Popular No Annual charges based on Credit Card By ICICI

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
  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 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. 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.

SimplyCLICK SBI Credit Card

best credit card in india with no annual fee
7.5Expert Score
One of the Reward Points Based Entry Level Card By SBI

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
  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

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
  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

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
  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.

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-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
  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
  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 Cards 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
  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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