25 Best Credit Cards in India

Here are the best credit cards in India that offer decent cashback on online shopping across select brands as well as on online spending in general.

1. YES Bank Paisabazaar PaisaSave Credit Card

Joining Fee: Nil
Annual Fee: Rs. 499

YES Bank Paisabazaar PaisaSave Credit Card is the newest entrant in the cashback credit card segment and offers 3% cashback on all online spends, with no merchant restrictions. Value-back is offered in the form of Cashback Points, which can be redeemed through the YES Rewardz Platform in 1:1 ratio without any redemption charges.

Offering great returns across all online merchants including Amazon, Myntra, Flipkart, Ajio, Zomato, Uber, MakeMyTrip, Swiggy and many more, the card is an excellent choice for online shoppers. Moreover, the credit card offers 1.5% unlimited cashback on eligible offline spends, adding more to your savings.

2. Cashback SBI Card

Joining Fee: Nil
Annual Fee: Rs. 999

Cashback SBI Card is another great option for online shoppers as it offers 5% cashback across all online spends, with no merchant restrictions. While most shopping credit cards limit the benefits to one or more merchants or spend categories, a card that rewards you for all online spends is truly a must-have. Cardholders can also earn 1% cashback on their offline spends.

3. HDFC Millennia Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000

HDFC Bank Millennia Credit Card is a good option for you if you are specifically looking for a credit card with a high cashback rate across popular online brands. The card offers good value-back on online shopping across top merchants as well as on other general spends. If you frequently use your credit card to shop online then this card is a good option as you can easily maximize benefits and avail annual fee waiver on spending more than 1 lakh in a year.

4. Amazon Pay ICICI Credit Card

Joining Fee: Nil
Annual Fee: Nil

If you are an Amazon loyalist, then Amazon Pay ICICI Credit Card is the best credit card in India for you, since you can earn up to 5% cashback on Amazon spends. The best part about this card is that it is a zero annual fee credit card with a good cashback rate. Also, since Amazon is a leading e-commerce platform for all shopping needs, this card is highly recommended for everyday purchases.

5. Tata Neu Infinity Bank HDFC Bank Credit Card

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499

Tata Neu Infinity Credit Card offers 5% value back on partner brands like Air India, Westside, Croma, BigBasket, Titan, Tanishq, Taj Group of Hotels and more. These brands cover several spending categories ranging from high-ticket transactions like jewellery and gadgets to regular spends like grocery and apparel. On other transactions, you get up to 1.5% back as Neu Coins. The card is suitable for consumers who frequently shop at the associated brands and seek benefits on the said brands along with decent earning across other categories.

Most credit cards offer value-back in the form of reward points. However, some cards come with a good base reward rate along with substantial savings on select categories through accelerated earning. Some of the best rewards credit cards are shown below:

1. HDFC Regalia Gold Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500

An upgrade on the classic HDFC Regalia Card, the Regalia Gold card is a great option for high-spenders as well as frequent travellers. You get accelerated rewards on some popular brands like Nykaa and Myntra, along with a good base reward rate across all other spends. The card also offers rewards on insurance, utilities, and education spends, which are generally excluded from credit card rewards programs. Complimentary membership to Swiggy One and MMT Black Gold Tier add to its benefits.

2. Axis SELECT Credit Card

Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000

Axis Bank Select Credit Card is a suitable choice for users seeking all-round benefits around multiple categories like shopping, travel, groceries, and movies. The card offers discounts on select brands and complimentary memberships. But the best part is its reward structure. Unlike most credit cards that offer a base rate on offline shopping and retail spends, this card offers accelerated 2x rewards on such transactions. However, the per-reward value is limited to Rs. 0.2 and 10:1 against reward conversion to airline or hotel loyalty programs- a fairly low value than other similar cards like SBI Card Prime or HDFC Regalia Gold.

3. SBI Prime Credit Card

Joining Fee: Rs. 2,999
Annual Fee: Rs. 2999

SBI Prime Credit Card is one of the best rewards credit card that offers high rewards on dining, grocery, and departmental stores, along with other benefits across multiple categories, such as shopping, travel booking, and utility bill payments. This credit card is a good option at an annual fee of Rs. 2,999 that lets you avail all-rounder benefits with a high reward rate.

4. American Express Membership Rewards® Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 4,500

Another rewards credit card on this list is the American Express Membership Rewards® Credit Card. The cards offer 1 reward per Rs. 50 but offers more via bonus rewards on card activation and monthly and yearly milestone benefits. The USP of this card is its reward redemption against multi-brand vouchers categorized under the 18 Karat and 24 Karat Gold collection.

5. HDFC MoneyBack+ Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

HDFC MoneyBack+ Credit Card is an upgraded variant of the previously popular Moneyback Card. The card is suitable for entry-level customers looking for multi-brand benefits catering to everyday spends via reward points. The features on this card are satisfactory for a low annual fee of Rs. 500. Benefits can be well utilized with an affordable fee waiver limit of just Rs. 50,000 per year.

Suggested Read: Best Credit Cards for Reward Points in India

This list includes the best credit cards in India that would help you save more on your travel expenses in the form of air miles, complimentary memberships, co-branded benefits, and more. To find the ideal travel credit card, you must compare credit cards from various issuers and apply for the one that best aligns with your travel spends.

1. Axis Atlas Credit Card

Joining Fee: Rs. 5,000
Annual Fee: Rs. 5,000

Axis Bank Atlas is one of the most rewarding credit cards for Air Miles. Unlike other co-branded cards, this card offers general EDGE Miles which can be redeemed across multiple airlines and hotel loyalty programs. The card works on a tier-based model where cardholders are rewarded based on their spends.

2. Axis Bank Horizon Credit Card

Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000

Axis Bank Horizon Credit Card is an airline-agnostic travel card that offers EDGE Miles on every card spend. These EDGE Miles can later be used against travel partner bookings in 1:1 redemption ratio, thus offering a good value-back rate. In addition to rewards, its complimentary domestic and international airport lounge access feature access to domestic as well as international airport lounges further boosts its image as one of the top travel credit cards.

3. American Express® Platinum Travel Credit Card

Joining Fee: Rs. 3,500
Annual Fee: Rs. 5,000

With American Express® Platinum Travel Credit Card, users can get up to 2% rewards on all their spends. Accumulated points can be redeemed for via the American Express® Travel Online platform to get travel benefits. Additional benefits like travel vouchers, lounge access, etc. make it even better for travellers.

4. Air India SBI Signature Credit Card

Joining Fee: Rs. 4,999
Annual Fee: Rs. 4,999

Air India SBI Signature Credit Card is a co-branded travel credit card with Air India Frequent Flyer program – Flying Returns. This card is a good option if you are a frequent traveler and mostly use Air India for your travels, as you can earn high rewards on travel spends and further redeem those rewards for Air India miles. You also get complimentary lounge access to both domestic and international airport lounges.

5. Standard Chartered EaseMyTrip Credit Card

Joining Fee: Rs. 350
Annual Fee: Rs. 350

Not many entry-level credit cards are counted in the list of the best travel credit cards in India, however, Standard Chartered EaseMyTrip Credit card is a latest addition to this list. This co-branded travel credit card offers benefits on hotel, flights and bus ticket bookings with Instant discount on EaseMyTrip and extra rewards on standalone travel bookings. If you are an EaseMyTrip loyalist, or even if you frequently use your credit card while traveling, this card can be a good option for you.

Suggested Read: Best Travel Credit Cards in India

This section includes credit cards that charge a high annual fee and offer comprehensive benefits you would not find on low-fee or medium-fee credit cards. Analyze your spending preferences, compare credit cards, and then apply for a card to make a well-informed decision.

1. HDFC Infinia Credit Card Metal Edition

Joining Fee: Rs. 12,500
Annual Fee: Rs. 12,500

HDFC Infinia Credit Card Metal Edition is an invite-only premium credit card suitable for high-net-worth individuals. The card offers all-rounder benefits across travel, dining, shopping, rewards, etc. If you are a heavy spender you can consider getting this card, as you will be able to avail the renewal benefit of up to 12,500 points and maximize your savings.

2. HDFC Diners Club Black Credit Card

Joining Fee: Rs. 10,000
Annual Fee: Rs. 10,000

HDFC Diners Club Black Credit Card offers one of the highest reward rate of up to 3.33% across multiple categories, including travel, shopping, dining, and more. The card also offers complimentary membership to popular brands, such as Club Marriott, Forbes, Amazon Prime, MMT BLACK, and more. Moreover, unlimited complimentary lounge access, a low forex markup fee, and conversion of rewards against Air Miles make this card a suitable option for frequent travellers. Some of the key benefits of this card are as follows:

3. Axis Reserve Credit Card

Joining Fee: Rs. 50,000
Annual Fee: Rs. 50,000

Axis Reserve is among the best super-premium credit cards in India offering travel-centric benefits like unlimited lounge access, complimentary airport transfers, etc. Other premium benefits like 50 free golf rounds in a year and memberships to premium hotel loyalty programs makes this card a great option for high-income individuals seeking all-round benefits.

4. American Express® Platinum Card

Joining Fee: Rs. 66,000
Annual Fee: Rs. 66,000

American Express® Platinum Card is a charge card offering excellent benefits in golf and hotel categories. Cardholders get complimentary access to leading golf courses in the country. Hotel benefits are offered as direct discount at select 5-star properties along with complimentary membership to multiple hotel loyalty programs. Unlimited airport lounge access, VIP-only event invitations, and the personalized services of the Platinum Concierge further add to this card’s premium appeal.

5. ICICI Bank Emeralde Private Metal Credit Card

Joining Fee: Rs. 12,499
Annual Fee: Rs. 12,499

ICICI Bank Emeralde Private Metal Credit Card is one of the best premium credit cards for travel and lifestyle benefits. If you are a high-net-worth individual looking for exclusive privileges on your credit card across travel, shopping, lifestyle, reward, and dining then ICICI Bank Emeralde Private Metal Credit Card is the go-to option. Besides this, you can also avail other premium benefits with complimentary lifestyle memberships like Priority Pass, EazyDiner Prime and Taj Epicure, along with many other features via this credit card. If you travel frequently or are looking for a card to earn a decent value-back on general lifestyle categories, this can be the right choice for you.

Also Read: Best Super Premium Credit Cards in India

To begin your credit card comparison to find the best fuel credit card, below is a list of best credit cards in India that offer fuel benefits in the form of fuel surcharge waiver and co-branded discounts.

1. IndianOil RBL Bank XTRA Credit Card

Joining Fee: Rs. 1,500
Annual Fee: Rs. 1,500

IndianOil RBL Bank XTRA Credit Card is the newest addition to the list of Indian Oil’s co-branded credit cards and offers the highest fuel savings of 8.5%. Cardholders also get 3,000 bonus Fuel Points as welcome benefit and can earn 1,000 Fuel Points per quarter on reaching spending milestone of Rs. 75,000. You can consider getting this card if fuel spends make a major portion of your monthly expenses.

2. BPCL SBI Card Octane

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499

SBI BPCL Octane Credit Card offers a high value back of 7.25% on fuel purchases across BPCL petrol pumps. Apart from fuel, the card also gives extra reward points on movie tickets, dining, and grocery spends which can be redeemed to get more free fuel. If you prefer BPCL petrol pumps over other fuel stations, you can consider this fuel credit card and avail the all-rounder benefits.

3. IDFC FIRST Power+ Credit Card

Joining Fee: Rs. 499
Annual Fee: Rs. 499

Offered in collaboration with HPCL, this credit card helps users save up to 5% on their fuel spends in the form of reward points. Cardholders also get additional savings in the form of Happy Coins when spending via HP Pay App. The card also provides 5% savings on groceries and utility spends. Overall, it can be a good option for individuals who wish to save on fuel as well as other everyday spends.

4. ICICI HPCL Super Saver Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

ICICI HPCL Super Saver is an entry-level fuel credit card that offers a value back of up to 5% on your fuel spends at HPCL. Moreover, the card also offers decent value back on your day-to-day spends on groceries, departmental stores, and bill payments. If you are looking for a low annual fee card with inclined benefits towards HPCL petrol pumps, you can consider this card.

5. IndianOil Axis Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

Indian Oil Axis Bank, another co-branded fuel credit card, offers up to 4% value back (via reward points) on fuel spends on IOCL petrol pumps. The silver lining here is that the value back is not offered only on fuel spends but on online shopping as well. If you are looking for a credit card with decent benefits across spends on IOCL petrol pumps, but do not want to pay a high fee, then you consider this as one of the best credit cards.

As there are numerous options available for each individual, finding the right card can be confusing.
Hence, before choosing, it is important to compare credit card offers from different issuers and keep the below-mentioned things in mind to make the right choice.

Identify your needs

Before applying for a credit card, you must identify how you are planning to use it. Based on the type of value-back offered, credit cards are majorly divided into two categories – rewards credit cards and cashback credit cards. Besides this, there are credit cards designed for specific categories like travel, shopping, entertainment, dining, and more. Identify your needs and decide which is a better credit card that suits your requirements to make the most out of it.

Compare credit cards

After narrowing your choices, research and compare different credit cards to find one that suits your needs. This will help you get the best deal as per your requirements. Compare credit cards based on interest rates, rewards programs, bonus categories, annual fees, and much more. There might be a possibility that other credit cards offer similar or better benefits at a lower annual fee. Credit card comparison is an ideal way to find the best credit card for yourself.

Consider fees & charges

It is important to check all the applicable fees and charges before applying for a credit card. Firstly, you should decide whether you want to pay an annual fee or not. Most of the credit cards come with an annual fee, whereas, some cards may be free for lifetime.
Besides annual charges, you need to keep a check on other charges as well like finance charges, cash advance charges, forex markup fees, over-limit charges, and interest rates. The interest rate can quickly add up – especially if you fail to pay the total amount due on your credit card. Hence, you should always pay your credit card bill on time and in full to save yourself from high-interest rates.

In addition to the above-mentioned factors, most credit cards offer extra perks like welcome benefits, bonus rewards, milestone benefits, and complimentary memberships or vouchers. While these benefits enhance the overall value of the card, these should not be the sole criteria for selection.

Which is the best credit card in India for 2024?

The best credit card varies from person to person. To find the best credit card, you need to analyze your spending habits and choose the one that aligns with your lifestyle. You can choose the best credit card in India from the above-mentioned list as per your requirements.

What are the best credit cards in India for salaried individuals?

Salaried individuals can choose from a wide range of credit cards as per their eligibility. Those who are getting their first credit card can pick entry-level cards like Axis Ace or HDFC Moneyback+. One should select the card that offers benefits aligning with their spending preferences. For instance, individuals who like to travel frequently can get a travel credit card that can help them save on their trips along with offering additional benefits like lounge access.

What are some features to watch out for before applying for the best credit card in India?

The features and benefits associated with a credit card may vary from one card to another. Thus, before applying, you must analyze a card basis the value back offered on a major category like, fuel, travel, shopping etc, or on all spends in general.
Additionally, you must check if the features offered align well with your spending preferences. For instance,  a card offering huge value back on Indian Oil fuel spends, might be good choice for those who spend a lot on fuel irrespective of any preferred fuel outlet, or for Indian Oil loyalists, but it may not be that helpful for those who prefer other fuel stations.

What are the best credit cards for students?

Students can get credit cards in the form of prepaid cards, against education loans or entry-level cards that require minimal eligibility, as per the issuers’ discretion. Some of the top options for student credit cards include SBI Student Plus Advantage Credit Card, ICICI Bank Student Forex Credit Card, etc. Additionally, students can also opt for secured credit cards like IDFC FIRST WOW Credit Card, Paisabazaar Step UP Credit Card, Kotak 811 #DreamDifferent Credit Card and ICICI Coral Contactless Credit Card.

Which is the best credit card for daily use?

Different credit cards are designed for different types of daily spends like groceries, fuel, shopping, dining, etc. At the same time, there are some all-rounder cards that provide benefits across multiple categories but such cards usually come at a comparatively higher annual fee.
To save on your daily spends, you should first understand your spending preferences and then choose a card that offers good value on it. For instance, if you are a Swiggy loyalist, you could get the Swiggy HDFC Bank Credit Card.

Which is the best credit card in India with no annual fee?

There are several lifetime free credit cards in the market. However, most of these cards would be entry-level and come with basic benefits. If you wish to get a card that helps you save on a particular category, say travel or fuel, you should not limit your search to no fee options.

Which credit card is best for online shopping in India?

Some of the best credit cards for online shopping in India are Axis Bank Ace, SBI SimplyClick, HDFC Moneyback+, Flipkart Axis Bank, and ICICI Amazon Pay Credit Card.

Which credit is best in India for earning rewards?

Almost all credit cards in India offer reward points with every purchase. But some credit cards offer higher reward points with certain purchases and they have multiple redemption options. Click here to read about the best rewards credit cards in India.

Do all best credit cards in India charge high annual fees?

No, there are some credit cards with the best offers in India that either are free for a lifetime or charge a minimal annual fee. A few examples of the best low annual fee credit cards include HDFC Moneyback, HSBC Platinum, and ICICI Amazon Pay Credit Card.

Is credit score important when applying for a credit card?

Credit score is one of the factors that card issuers consider when reviewing your credit card application, however, if you have a pre-qualified card offer or have a prior relationship with the lender, they might not look at your credit score when approving your card application.
Also, there are some entry level credit cards that don’t require credit score for application, so even if you do not have a credit score of 700 and above, which is considered good for credit applications, you still stand a chance to get a credit card.

What is the minimum salary required for a credit card?

The minimum salary required for a credit card may vary across the card issuers and card type. Premium credit cards have a higher income eligibility requirement in comparison to entry-level or basic credit cards. Know more about Credit Card Eligibility.

Which credit card is best in India for cashback?

The best credit card is the one that aligns with your requirements or lifestyle. Some of the best cashback credit cards in India include Cashback SBI Card, YES BANK Paisabazaar PaisaSave Credit Card, Axis Ace, Flipkart Axis, Amazon Pay ICICI, and HDFC Millennia. When choosing a credit card, it is important to analyze your spending habits to make an informed decision.

Which is the best credit card for airport lounge access?

Some of the best credit cards for airport lounge access include SBI Card Elite, HDFC Diners Club Privilege Credit Card, and Axis Bank Select Credit Card. These cards offer access to both domestic and International lounges. Click here to check Best Credit Cards for Airport Lounge Access in India 2024.

How to apply for the best credit card in India?

To get the best credit card, you must first analyze your spending patterns and requirements. For instance, if you largely spend on shopping, you can get yourself a Shopping Credit Card, or if you are looking for fuel benefits, get a fuel credit card. Additionally, you must also compare various similar type of cards offered by different lenders.

What should I look for when comparing credit cards?

Comparing credit cards from different issuers is important to find the best deal as per your requirements. While comparing multiple credit cards, you should look for interest rates, annual fees, overall benefits, and additional benefits. You can use platforms like Paisabazaar to compare credit cards and apply for the one that suits your requirements the best.

Which is the best credit card for entertainment benefits?

The best credit cards for entertainment would be those that offer benefits on movie ticket bookings or on OTT subscription platforms. Some of the top cards in this league are Axis Neo Credit Card, PVR INOX Kotak Credit Card, RBL Bank Play Credit Card, Axis Bank My Zone Credit Card, HDFC Diners Club Privilege Credit Card, etc.

Which is the best fuel credit card?

Some of the top fuel credit cards in India are IndianOil RBL Bank XTRA Credit Card, BPCL SBI Card Octane, Indian Oil Axis Bank Credit Card, Indian Oil HDFC Credit Card, ICICI HPCL Super Saver Credit Card and HDFC Bharat Cashback Credit Card, among others.

Which credit card in India offers the best travel benefits?

Choosing the best travel credit card is subjective basis your preferences for domestic and international travel or co-branded loyalty.
Some of the best travel benefits are offered on cards like Axis Atlas Credit Card, Axis Bank Vistara Signature Credit Card, HDFC Bank InterMiles Signature Credit Card, Standard Chartered EaseMyTrip Credit Card, IRCTC SBI Card Premier, etc.