Best Credit Card in India

This is very difficult to find Best Credit Card in India. All the major bank offers number of Credit Card that comes with varied feature and benefits. Some Credit Card are made for shopping and hence they comes with excellent rewards points and other card come with different purpose i.e. travel privileges. As a user it may be very difficult to pick up the right Credit Card from available options. To make the right election easier we have listed Top 10 Best Credit Card in India that might be useful for us:

American Express Membership Rewards Credit Card 

This Credit Card is ideal for those who wants their spend to be rewarded with redeemable points . This Credit Card is one of the Best Credit Card in India that makes spending rewarding for its user.  The key feature of Credit Card is below:

Annual Fees:  Rs.1000+GST.

Renewal Fees:  Rs.4500 +GST (100% waived off on spending Rs. 150000 or more and 50% waived off  on spending between Rs.90000 to Rs. 149999 in the preceding membership year.)

Feature & benefit:

• • You will get 4000 membership rewards points as welcome gifts.
  • You will earn 1000 bonus membership rewards points on making 4 transaction of Rs.1000 or more every months.
  • On payments of annual membership fees in the second year you can earn 5000 membership rewards points . The above rewards points to be credit within 90 days of card renewal.
  • You earn 1 MR point for every Rs. 50 spent on the card across all categories except fuel, insurance, utilities, cash transaction and EMI conversion at points of sale.
  • Redeem your rewards points from the fabulous 18 and 24 Karat Gold collection.
  • Get 20 % every time discount at selected restaurants in India.
  • Enjoy other benefits like Zero lost card liability, emergency  card replacement and two add on cards at no additional cost.

Indian Oil Citi Platinum Credit Card

If you are looking about rising fuel cost and are on a active lookout for a way to save some money on it then Indian Oil CitiBank  Platinum Credit Card in what you should consider . The key points are as below:

Annual Fees: Rs.1000+ GST

Renewal Fees: Rs. 1000+ GST (waived off on spending Rs. 30000 or more)

Feature & benefit:

• • 71 Liters of free fuel every year in the form of fuel surcharge waiver and turbo points.
  • Get 4 turbo points for every Rs. 150 spent on fuel at authorized Indian Oil outlets across India.
  • 2 Turbo points per Rs. 150 spent at super market and groceries and 1 turbo points on all other spends.
  • Turbo points do not expire.
  • Enjoy contact less payments facilities at terminal which accept contact less card.

HSBC Cash Back Credit  Card

If you are shopping freak and love to purchase every now and then, you should get shopping Credit Card that offers either discount or provide cash back. HSBC Cash Back Credit Card is one such card that offers cash back on all your purchase. Let us know about  above card is below:

Annual Fees:- Nil

Renewal Fees : Rs. 750+ GST (waived off on spending Rs. 1 Lac in previous year)

Feature & benefits:

• • 2 domestic or international lounge or 2 meal voucher of Rs. 400 each for use at airport restaurant and Rs.250 Swiggy voucher as welcome gift.
  • 1.5 % cash back on all online spend except wallet transaction.
  • 0.50% cash back on all other transaction.
  •  Zero joining fees.
  • Cash back is also available on Instant EMI ( Equated Monthly installments) facility.
  • 15 % discount on dining at partner restaurant.
  • Option to pay credit card dues in EMI on balance transfer, cash on EMI etc.
  • Zero lost card liability, emergency card replacement etc.

Standard Chartered Super Value Titanium Bank Card

Standard Chartered Super Value Titanium Bank  Card is designed to especially for those who want to get  something in return  every time. You will get cash back and rewards on all spends. This is one of those Best Credit  Card that offers cash back on fuel spend as well. Let us know more about this card below :

Annual Fees: Rs 750+GST

Renewal Fees: Rs.750+GST

Feature & benefit:

• • 5% cash back on fuel spends, phone recharge and utility bill payments.
  • Get 1 reward points on all other spends of Rs. 150.
  • Complimentary Priority Pass membership.
  • Offers and discounts on shopping , travel booking, dining etc under Standard Chartered Good Life Program.
  • Standard Chartered 360 ° reward program for reward redemption.
  • Credit Card balance transfer up to 5 Lac from other cards at lower interest rate.
  • Life time free add on Credit card for family.

HDFC Regalia Bank Card

You are looking for a Credit Card that offers    something on  every category, HDFC Regalia Bank Card should be your first choice. It offers discount on dining and travel, has a good reward program and comprehensive protection plain.  HDFC Regalia Bank  Card is one of the Best Credit card in India so let us know more about this Credit Card below:

Annual Fees: Rs.2500+GST

Renewal Fees: Rs.  2500 +GST( waived off on spending Rs. 3 Lac in the previous year.)

Feature & benefit:

• • Zomato Gold Membership for a year on spending Rs. 75000 within first 3 months of issuance of the Credit Card.
  • 2500 Reward points on payments of the joining fees and renewal fees every year.
  • 12 Complimentary domestic airport lounge access every calendar
  • 24*7 Travel concierge service.
  • 4 Reward points on Rs. 150, on all retail spends including Insurance, Utilities, Education and Rent Pay.
  • Priority dining facility under Good Food Trail dines program at top restaurant across the country.
  • 10000 Reward points on spending Rs. 5 Lac on the card and additional 5000 reward points on reaching the mile stone spends of 8 Lac.
  • 1% fuel surcharge waiver on all transaction between Rs. 400 and Rs.500 at all petrol pump in the country.
  • Reward redemption on flight and hotel booking, voucher, gift, and product etc with 70% redemption of ticket fare for flight and hotel.
  •  Air accident death cover of Rs. 1 Crore.
  • Get emergency overseas hospitalization cover of up to Rs. 15 lac.

ICICI Instant Platinum Bank Card

If you are a self employed individual, a homemaker, a student or someone who has bad credit history due to past financial crises and want to have Credit Card, this is the most appropriate Credit Card for you. ICICI Bank offers ICICI Instant Platinum Bank  Card to people who hold fixed deposit with them without any financial documents. So Let us know more about this Card below:

Annual Fees: Nil

Renewal Fees : Nil

Feature & benefits:

• • 15% Discount offers on dining at around 800 leading restaurants in India.
  • Rs. 100 discount offers on purchase of minimum two movie ticket up to two time in months.
  • 2 Payback points on spending every Rs.100.
  • 1 Payback points on spending every Rs.100 on utilities and insurance.
  • Points can be redeemed against variety of Gift.
  • 2.5% Fuel surcharge waive off  for any fuel transaction worth Rs. 4000 from  HPCL  Petrol Pump.

CitiBank Cashback Credit  Card

This card is also called Cash Back card  as it provide a lot of cash back offers on purchase made.  The key benefit of CitiBank Cash Back  Credit Card is below:

Annual Fees: Rs.500

Renewal Fees: Rs. 500

Feature & benefit:

• • 5% Cash back on booking movie ticket, telephone bills and utility bill payments.
  • 5 % Cash back on all other spends.
  • 20 % Discount on dining at selected restaurant in India.
  • The total cashback earned will be credited to your account automatically once it reaches Rs.500 and further on multiples of Rs.500.
  • Enjoy benefits of more than Rs.3,300 in the first year.
  • No expiration for the unredeemed cashback.
  • On a minimum accumulation of Rs.500, the cashback will be automatically credited to the account and will show on the credit statement.

Standard Chartered Manhattan Platinum Bank Card

If you love shopping and ready to go to restaurant  and looking a such type of card that give discount and cash back, the above Credit Card is suitable for you. The key feature of Credit Card is below.

Annual  Fees:-Rs.999+GST

Renewal Fees: Rs999+GST ( waived off on annual shopping of Rs. 120000)

Feature & benefits:

• • 5% Cash back at all grocery, supermarket and departmental
  • 3 Rewards points for every Rs. 150 spent as other place.
  • Get Rs. 2000 worth BookMyShow voucher on your Ist spend within 90 days
  • 12% Discount on hotel booking.
  • 20% Cashback (Maximum – Rs.600) every month on the amount you spend on Uber rides.
  • You can enjoy exclusive offers from Visa on this Card.
  • If you register for online banking, you can get extra 500 points for free.
  • Make any transaction within 60 days of availing your Standard Chartered Manhattan Platinum Credit Card to get extra 1,000 Reward Points.

SimplyCLICK SBI Bank Card:

This Card is blessing in disguise for online shoppers as it offers tremendous benefit  to people who shopping  online. Read on to more about key feature of the SimplyClick SBI Bank  Card is below:

Annual  Fees:-Rs.499+GST

Renewal Fees Rs. 499+GST (waived off it spending Rs. 100000 in the year)

Feature & benefit:

• • 10 Reward points on spending online with exclusive partner.
  • 5 Rewards points on all other spends online.
  • 1 Reward point per Rs. 100 spent on other categories
  • Get Rs. 500 gift card of Amazon on joining.
  • E-voucher worth Rs. 2000 on spending Rs. 100000 annually online.
  • E-voucher worth Rs.2000 on spending Rs. 200000 annually online.
  • 1% Fuel surcharge waiver  on every transaction of Rs. 500 to Rs. 3000.
  • Transfer the outstanding balance from other Credit Cards into SBI SimplyCLICK and pay it back in easy EMIs and at lower rates of interest.
  • Make contact less payment  at an NFC enabled POS terminal up to Rs. 2,000.

AXIS Bank NEO Credit  Card

Axis Bank Neo Credit Card is best suited for online shoppers as it offers benefits across popular online shopping websites such as Amazon and Myntra . This card offers excellent shopping, dining and entertainment benefits. Lets  us take a look at  Credit Card below:

Annual Fees:Rs.250 +GST

Renewal  Fees: Rs.250 +GST

Feature & benefits:

• • 10 % Cash back on movie ticket, online shopping and mobile recharge.
  • Rs. 500 Complementary voucher from Jobang.
  • 10% Additional discount on every transaction more than Rs. 500 from Myntra.
  • 15 % Discount on dining at partner restaurant .
  • Rs. 250 Amazon gift voucher on 1st spend within 30 days of card issue.
  • 10% off on Akbar Travels on flight booking worth Rs. 5,000 or more.
  • Earn 2 Axis Edge Reward Points for every Rs. 200 spent across all categories.
  • Enjoy lost Credit Card liability and stay protected against any unauthorized transaction on your card after the loss has been reported.

Conclusion:

This is very difficult that which is  Best Credit Card in India . Every bank has unique feature Bank Card. Every person has own requirement and you  only can decide which credit card is suited for your requirement. For any suggestion please contact us.