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
- 5% cashback for Amazon Prime members
- 3% cashback for non-prime customers
- Lifetime Free Card
- Fuel Surcharge Waiver 1%
- 2% Reward Points on recharges, bill payments, etc
- 2% cashback on purchases at Amazon partners and gift card purchases
- Earn 1% back on all other payments
- No cost EMI on all purchases above Rs. 3,000 for 3 or 6 months
#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
- 5% cashback on bill payments, DTH and mobile recharges through Google Pay
- Unlimited 4% cashback on Zomato, Swiggy, and Ola
- Unlimited 2% on all other transactions (exclusion of EMI, wallet load, cash withdrawal and fuel transactions)
- 1% fuel surcharge waiver
- Complimentary lounge access 4 times a year at participating domestic airports
- Earn 1% back on all other payments
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 + GSTRenewal Fee: ₹2,500 + GST (waived off on spending ₹3 Lakh in the previous year)
Benefits
- Zomato Pro membership for first year on spending ₹75,000 within first 3 months of issuance of the credit card
- 12 Complimentary Airport Lounge Access in India and 6 outside India.
- 1% fuel surcharge waiver
- Air accidental death cover of ₹1 crore
- Emergency overseas hospitalization cover of up to ₹15 Lakh
- 4 Reward Points every ₹150 spent on all retail spends
- 10,000 Reward Points on spending ₹5 Lakh and 5,000 points on spending of ₹8 Lakh
- Rewards redemption on flight and hotel booking, vouchers, etc. with 70% redemption of ticket fare for flights and hotels
#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 + GSTRenewal Fee: ₹499 + GST
Benefits
- ₹500 Amazon gift card as welcome gift
- Earn 10X Reward Points on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds
- Earn 5X rewards on all other online spends
- Earn 1 Reward Point on every ₹100 spent
- Enjoy 1% fuel surcharge waiver(Max waiver- ₹100)
- e-voucher worth ₹2,000 & on annual online spends of ₹1 Lakh
- Spend ₹1 Lakh in a year and get the annual fee of Rs. 499 reversed
- With contactless features, simply wave your card at a secured reader and your transaction is done
#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 + GSTRenewal 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 YearsIncome: Monthly Income > ₹1.75 Lakhs |
|
Self Employed |
Age : 21 to 65 YearsITR > ₹21 Lakhs per annum |
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:
Benefits
- You earn 5 reward points on ₹150 retail spends
- Unlimited airport lounge access in India and worldwide
- ₹2 Crores of Air accident cover
- ₹50 Lakhs cover for emergency medical expenses
- ₹9 Lakhs cover for credit card liability
- ₹55,000 travel insurance cover on baggage delay
- Low Foreign Currency Markup of 1.99%
- Complimentary golf games (6 per quarter) across the finest courses in the world.
#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
- 5% Cashback on Flipkart, Myntra 2GUD
- Cashback of 4% on the PVR, Cure.fit, Goibibo, Uber, Swiggy and MakeMyTrip
- 1.5% cashback on all the other categories
- Fuel Surcharge Waiver 1%
- ₹500 FK Voucher on the first transaction done through Flipkart Axis Bank Credit Card
- 4 Complimentary airport lounge access per calender year
- Earn 1% back on all other payments
#7 Citibank Cash back Credit Card
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
- 5% Cashback on movie ticket purchases
- 5% Cashback on all your telephone bill payments
- 5% Cashback on your utility bill payments made through Citibank Online Bill Pay
- 0.5% Cashback on all your purchases
- Up to 20% savings across participating restaurants
- You can choose to EMI option to make payment in easy monthly installments.
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.
Manish Sharma
https://financex.inI'm tech-savvy, loves to write about saving, investing and proper financial planning. Also, I am a blogger, share everything with 100% transparency and the best of my knowledge.
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.
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