Best Credit Cards in India – Top 10 Credit Card 2022 You Can Choose

Best Credit Cards in India: if you are searching for the top or best credit cards in India. The credit card might be best as per the day-to-day needs and requirements of the cardholder. Few Cashback cards are Mostly accepted in India. Also, it is quite popular in the market. For Savings And Earning Extra Discounts or Cashback on deals, These Cards Most applicants want to get.

Plenty of cards provide a reward points-based cashback facility to the cardholder. but now, a number of cards offer direct cashback in percentage. Also, is it fee for these cards in your budget friendly?

Therefore, you will have to decide what you like to use. in that way, That credit card could be the best one for you.

Apart from Cashback Cards, For Most the People want a premium and travel facilities credit cards.

To Fulfill your requirements, we are going to suggest to you the top 10 credit cards in India that you can apply for and get – plenty are quite popular for cashback and a few are worth it to your day-by-day needs, and yearly budget.

Here is the Latest List of Best Credit Cards in India That you can apply

Table of Content

Here is the Latest List of top 10 credit cards in India 2022

  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
Key PointsDetails
Welcome GiftIt does not offer any welcome Benefits. However, it mainly focuses high rate of cashback that it offers you on every bill payment up to 5%.
Card TypeCashback Based Medium Level (Med End) Card
Joining And Annual Fee– ₹499 is the joining fee (It will be waived off if the cardholder spends 10000 or more within starting 45 days)
– ₹499 annual charges will be applied. (No annual fee, if you spend more than 2 Lakh in a year.)
– 18% GST included.
Other Benefits– The applicant can get benefits of Free Airport Lounge Access, Dining Delight discount, 1% Fuel Waiver, and Unlimited Cashback.
– The card holder feels free with a limit of earning cash back, it has no upper limit on earning cashback.
Cashback– The Card Holder can get up to 5% Cashback on Bill Payments By using google pay. Payment of Mobile Recharge, DTH, and Water Bill (This cash-back facility only works with the google pay app.)
– The applicant will get 4% cash back from cooperative firms. The Food Delivery Applications For instance, Swiggy, and Zomato. And other apps, Grofers, BigBasket, and OLA.
Other Purchasing Benefits2% on other online and online purchasing by using the card
Eligibility– Self Employed Income Up to ₹35,000
– Salaried Employee Salary must be ₹25,000 or more

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
Key PointsDescription
What is Renewal Benefit (Welcome)it offers 500 Cash Points After Card Activation. However, this offer is only eligible to those Who pay the membership fee.
Card TypeCashback Points Based Entry Level (Low End) Card
Annual FeeIt has a fixed fee of ₹500/- And Additional Taxes. however, the annual fee will be waived off if the cardholder spends 50,000 or more in a year.
For Join₹500 and 18% GST
Other Benefitsit has a much to offer as an additional benefit, SmartEMI, 15% OR MORE Discount at more than 2000 restaurants in cities.
Additionally, 1% Fuel Surcharge waiver on fuel purchasing
HDFC Benefits– Zero Lost Card liability
– Revolving Credit
– Interest-Free Credit Period
Cash Points *Reward Points offers– The primary cardholder can get 10X or more CashPoints as a reward on purchasing from Amazon, BigBasket, Flipkart, Reliance SuperStore & Swiggy.
– For Making your EMI Shopping more Smart, it offers 5X CashPoints as a cashback on EMI spends at your merchant Stores.
Other Purchasing Benefitsit offers 2 Cash Points for every spending of ₹150 or more.
1 Cashpoint₹0.25
Eligibility– Self Employed Income Up to ₹30,000
– Salaried Person Gross Monthly Income must be ₹20,000 or more

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

Read Full Review on PricemintFlipkart Axis Bank Credit Card Review

Amazon Pay ICICI Credit Card (Best Free Credit card 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

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

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 ₹750. 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)

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.

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

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.

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

We hope you like the review on Best Credit Cards in India. Do share feedback, your opinion, or your favorite credit card.

Naman Parmar
We will be happy to hear your thoughts
  1. […] Review of Best Credit Cards in India – Top 10 Credit Card 2022 You Can Choose […]

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