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 2022
#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
Benefits
#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)
Benefits
Also Read: Best Savings Account in India
#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)
Benefits
#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
Benefits
#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
Welcome Gifts
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.
Profile | Criteria |
---|---|
Salaried | Age : 21 to 60 Years |
Self Employed | 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:
- priorityredressal.creditcards@hdfcbank.com
- grievance.redressalcc@hdfcbank.com
Benefits
#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)
Benefits

Citibank cash back credit card offers cashback when you spend and other benefits of spends. This is card is best suited to the people who love to spend and earn cashback.
Joining Fee: ₹500
Renewal Fee: ₹500
Benefits
How To Choose The Best Credit Card? 2022
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.
Conclusion
This was all about the best credit card in India of 2022. 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.
Hey Manish Sharma ,
Awesome post with best credit cards. It is my first time commenting on your blog post and am glad to say that you have done a fantastic work and provided the best credit cards. You have presented each cards in an impressive way along with all the crucial & necessary information that are true enough to understand & educate the readers. It is true that credit cards are so important to fulfill our needs & requirements but finding the best credit card is quite hard task. As this post will help several people who are looking for the best credit cards. While scrolling through your post i have noticed that you have also discussed about tips to choose the best credit card according to lifestyle and i completely agree with your each listed tips. Yes knowing the purpose of credit card is so important for every user. As your included tips will surely help lots of people, readers to choose the best credit card.
After going through this complete post i really gain ideas and i am sure that this post is definitely going to help lots of people. Good work and keep sharing more similar post.
Eventually thanks for sharing your knowledge, ideas and such an informative post.
Regards
-Aadarsh
Hi Adarsh,
Glad you loved the post. This boosts my confidence to publish more such informational posts to share the best of my knowledge.
Thank you.
Hello! I just came across this post of yours and I actually feel that it has been written superbly! The sentence constructions are perfect and the writer has also added a personal style to the write up. Overall the information is extremely useful and hence I take your permission to share it in my Facebook and Twitter profiles