Are you looking for the best credit cards in India?
You'll get everything about credit cards that will fulfill your needs. If you are looking for cashback, travel discounts, lounge access, lifestyle, fuel surcharge waiver, shopping, and others.
It's difficult to find the best credit card out of the number of banks that offer various credit cards with varied benefits & features.
Best Credit Cards in India 2021
#1 Amazon Pay ICICI Credit Card - Best Credit Card for Shopping
Amazon Pay ICICI Credit Card is first on our list of best credit cards in India. It's the best credit card for shopping lovers.
If you are regularly shopping on amazon you should have this card for the best cashback.
Joining Fee: NIL
Renewal Fee: NIL
#2 Axis Bank Ace Credit Card - Best Cashback Credit Card
Axis Bank Ace Credit Card is one of the best cashback credit card out there in the market. It offers 2-4% unlimited universal cashback.
Joining Fee: ₹499 (Reversed if spends exceed Rs 10,000 within 45 days of issuance)
Renewal Fee: ₹499 (Waived on spending ₹2 Lakh or more in the year)
#3 HDFC Regalia Credit Card - Best Premium Credit Card
HDFC Regalia is a popular premium credit card in India. If you are looking for the best premium credit card then Regalia is the best choice for you. It offers the best discounts on dining, travel, etc.
Annual Fee: ₹2,500 + GST
Renewal Fee: ₹2,500 + GST (waived off on spending ₹3 Lakh in the previous year)
#4 SBI SimplyCLICK Credit Card
If you want to get the best benefit on online spends then SBI SimplyCLICK Credit Card is for you. SBI SimplyCLICK credit card offers 10X Reward points and the best offers on online spending that makes it most suitable for shopaholics.
Annual Fee: ₹499 + GST
Renewal Fee: ₹499 + GST
#5 HDFC Diners Black Credit Card
HDFC Diners Black Credit Card is a premium credit card targeted for HNI's (High Networth Individuals). It offers a reward rate of 3.3% on all retail spending. They also offer a 10X reward rate to 33% on select partner merchants.
Joining Fee: Rs. 10,000 + GST
Renewal Fee: Rs. 10,000 + GST
You get complimentary annual memberships at Club Marriott, Forbes-India, Zomato Gold, Amazon Prime, Times Prime and MMT Double Black.
You can get membership upon spending Rs. 1.5 Lakh within the first 90 days.
Age : 21 to 60 Years
Age : 21 to 65 Years
Note: If you hold HDFC Regalia/Diners ClubMiles Credit Card with a credit limit of more than ₹5 Lakhs, try talking to your Relationship Manager for an upgrade to HDFC Diners Club Black Credit Card.
Else, you can write a mail to them:
#6 Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card comes up with one of the highest rewarding credit card. It offers 5% cashback while shopping on Flipkart, myntra and 2GUD.
Joining Fee: ₹500
Renewal Fee: ₹500 (waived off on annual spends > ₹2 lakhs)
Citibank cash back credit card offers cashback when your spend and other benefits of spends. This is card is best suited to the people who loves to spend and earn cashback.
Joining Fee: ₹500
Renewal Fee: ₹500
How To Choose The Best Credit Card?
If you are looking for the best credit card in India, you will come across various credit cards with different benefits & features. You might get confused with the number of options.
Well, if you are new in the market of credit cards you are requested to read till the end.
Follow the below tips to choose the best credit card according to your lifestyle:
1. Purpose of Credit Card
You must be clear for what purpose you need the credit card. The best credit card would be the one that fulfills your needs.
2. Your Credit Score & Eligibility
You must know your eligibility for the credit card you are looking for by knowing your credit score(CIBIL score) and income needed for eligibility of the card. So, you must ensure this and apply for the credit card that has more chances for approval.
3. Shortlist the one that fulfills your needs
You need to pick the one that fulfills your needs. Generally, people look for travel discount, online shopping discount, airport lounge access, etc. So, you have to decide the best credit card which is suitable for your lifestyle and apply for it.
This was all about the best credit card in India of 2021. Hope this list helps you select the one for you.
Let me know in the comments section which one do you have or you like.