When it comes to credit cards, the best way to get the most out of them is to choose one that fits your lifestyle and spending habits. Choosing one credit card from so many available possibilities, on the other hand, may be tough. To make things easier for you, we’ve compiled a list of the top 10 credit cards in India given by various card issuers, as well as the best credit cards in several categories such as shopping, travel, gasoline, rewards, cashback, and cards with premium features.
Leading credit card issuers in India, such as HDFC Bank, SBI Card, Axis Bank, and IndusInd Bank, provide a variety of cards, each catering to specific individual needs such as fuel, online shopping, eating, movies, groceries, or a combination of all of the above. You must first analyse available possibilities before applying for a card. To get started, here is a list of the finest credit cards in India, along with their annual fees and top attributes.
List of 11 Best Credit Cards in India for October 2023
Here are the best credit cards for online shopping across certain brands, as well as for general online spending.
Best Cashback Credit Cards in India for 2023
1. Axis Bank Ace Credit Card
Joining Fee: Rs. 499
Annual Fee: Rs. 499
The Axis Bank Ace Credit Card is a terrific choice for first-time cardholders searching for a high cashback return with a low annual fee. The card provides up to 5% reward on bill payments and online meal delivery, in addition to other perks like airport lounge access and dining discounts. The biggest benefit of this card is that there is no cap on how much cashback you may earn.
| Key Benefits | Why We Like It |
| 5% cashback on bill payment, DTH recharge, and mobile recharge initiated via Google Pay 4% cashback on Swiggy, Ola and Zomato 2% cashback on all other spends | Highest flat-rate cashback in the market No upper limit on the cashback earned Cashback on multiple categories and top brands |
2. Flipkart Axis Bank Credit Card
Joining Fee: Rs. 500
Annual Fee: Rs. 500
Another entry-level credit card with an excellent payback rate on online shopping is the Flipkart Axis Bank Credit Card. The card provides benefits across prominent brands like Flipkart as well as selected partners like Uber, PVR, Tata SKY, Swiggy, and others.Despite being a co-branded card, the card functions more like a cashback credit card.
| Key Benefits | Why We Like It |
| 5% cashback on purchases made via Flipkart 4% cashback across preferred partners 1.5% unlimited cashback on Myntra and flight & hotel payments on Flipkart 4 complimentary domestic lounge visits every year | One of the greatest cashback cards available. Cashback directly credited to the card account Opportunities to avail benefits & discounts on dining, travel, etc. |
3. Cashback SBI Card
Joining Fee: Nil
Annual Fee: Rs. 999
Cashback SBI Card is a newcomer to the cashback credit card market, but it has swiftly garnered appeal among online buyers. The card offers 5% reward on online purchases with no merchant limits. Whereas most shopping credit cards restrict the benefits to one or more retailers or spending categories, this card is actually indispensable.
| Key Benefits | Why We Like It |
| 5% cashback on all online transactions without any merchant restrictions 1% cashback on offline transactions and utility bill payments Cashback is automatically credited to the card within two days of bill production. A year includes 4 complimentary domestic lounge visits. | Cashback rate is high for online purchases with no merchant limits. Cashback is credited immediately to the card, eliminating the need for redemption or conversion. Utility bill payments also earn 1% cashback |
4. Amazon Pay ICICI Credit Card
Joining Fee: Nil
Annual Fee: Nil
If you are an Amazon fan, the Amazon Pay ICICI Credit Card is the finest cashback credit card for you, as it offers up to 5% cashback on Amazon purchases. The nicest aspect about this card is that it has no annual fee and a good cashback rate. This card is also highly suggested for everyday purchases because Amazon is a top e-commerce platform for all buying needs.
| Key Benefits | Why We Like It |
| 5% cashback for Amazon Prime members on Amazon spends 3% cashback for Non-prime members on Amazon spends 1% cashback on all other transactions | A good credit card for cashback Simple reward redemption and cashback conversion Beneficial for online shoppers |
5. HDFC Millennia Credit Card
Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000
If you are looking for an HDFC credit card with a high cashback rate, the HDFC Bank Millennia Credit Card is a fantastic alternative. The card provides good value-back on online purchases from leading merchants as well as on other general purchases. If you frequently use your credit card to purchase online, this card is a fantastic choice because it waives the annual fee if you spend more than a lakh in a year.
| Key Benefits | Why We Like It |
| 5% cashback on all online shopping spends at Amazon, Flipkart, Myntra, Tata Cliq, etc. 1% cashback on all other spends 8 free domestic airport lounge visits per calendar year | Co-branded cashback benefits across popular shopping platforms Welcome perk compensates for the joining fee charged 1 Cash Point = 1 INRÂ when taken as statement credit |
Best Travel Credit Cards in India for 2023
This list features the top 5 credit cards in India that will help you save more money on your travel expenses through air miles, complimentary memberships, co-branded privileges, and other perks.
6. Standard Chartered EaseMyTrip Credit Card
Joining Fee: Rs. 350
Annual Fee: Rs. 350
There aren’t many entry-level credit cards on the top travel credit cards list in India, but the Standard Chartered EaseMyTrip Credit card is the most recent addition. This co-branded travel credit card provides perks for hotel, airplane, and bus ticket reservations, an instant discount on EaseMyTrip and additional points for independent travel bookings. If you are a fan of EaseMyTrip or frequently use your credit card when traveling, this card may be a good fit for you.
| Key Benefits | Why We Like It |
| 20% Instant discount on domestic & international hotel bookings on EaseMyTrip On EaseMyTrip, you can get a 10% instant discount on domestic and international ticket bookings. EaseMyTrip is offering Rs. 125 off bus ticket bookings. Complimentary domestic and international lounge access | no minimum spending requirement to receive a discount on hotel and airfare tickets via EaseMyTrip. Additional Reward Points on trip purchases made outside of EaseMyTrip Direct discounts eliminate the need to earn and redeem points. |
7. HDFC InterMiles Signature Credit Card
Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500
The HDFC InterMiles Signature Credit Card is a travel credit card that is co-branded with the InterMiles Loyalty Programme (formerly Jet Privilege). If you travel frequently, this card is an excellent choice because you may earn significant rewards (through air miles) for booking flights and hotels, as well as complimentary lounge visits. However, keep in mind that the air miles can only be redeemed through the InterMiles website.
| Key Benefits | Why We Like It |
| Up to 12 InterMiles per Rs. 150 spend Complimentary InterMiles Silver Membership 8,000 bonus InterMiles on joining | Great savings on hotel and flight bookings Complimentary lounge access Additional discount on Etihad Airways |
8. Air India SBI Signature Credit Card
Joining Fee: 4,999
Annual Fee: Rs. 4,999
The Air India SBI Signature Credit Card is ideal for Air India fans. The card has a high annual charge of Rs. 4,999, but it is justified by welcome perks, a high reward rate, milestone benefits, complimentary membership, and lounge access, among other things.
| Key Benefits | Why We Like It |
| Membership in the Air India Frequent Flyer Programme – Flying Returns 4 reward points for every Rs. 100 spent Lounge access under Priority Pass Membership | Excellent co-branded privileges with Air India, including free membership, faster incentives, and other perks. Reward redemption is flexible, with the option of converting prizes into Air India Miles. |
9. Axis Bank Vistara Signature Credit Card
Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000
Axis Bank Vistara Signature Credit Card is another co-branded travel credit card on this list. The card is ideal for Vistara fans because it comes with complimentary Vistara tickets as a welcome and milestone benefit. The nicest feature about this card, however, is that, in addition to travel perks, it rewards you for spending in all categories and provides other lifestyle benefits such as dining discounts, golf visits, and so on.
| Key Benefits | Why We Like It |
| Free Premium Economy ticket as a welcome gift Club Vistara Silver Membership Complimentary lounge visits at select airports in India | Best credit card for Vistara loyalistsFree air tickets in a year Comprehensive travel perks |
10. RBL World Safari Credit Card
Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000
If you want a travel credit card with features geared towards overseas travel, the RBL Bank World Safari Credit Card is a fantastic choice. As a welcome gift, the card has a 0% currency markup cost as well as reward perks, complimentary lounge access, and travel vouchers.
| Key Benefits | Why We Like It |
| MakeMyTrip voucher worth Rs. 3,0005 Travel Points for every Rs. 100 spent on the travel category 2 complimentary domestic lounge visits every quarter | A highly rewarding card Comprehensive travel privileges – travel points, insurance, lounge access, etc. No foreign exchange markup fee |
Best Fuel Credit Cards in India for 2023
This section contains some of the best credit cards in India that provide gasoline advantages such as fuel surcharge waivers and co-branded discounts.
11. BPCL SBI Card Octane
Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499
The SBI BPCL Octane Credit Card provides a high value back of 7.25% on fuel purchases made at BPCL petrol stations. Aside from fuel, the card offers additional reward points for movie tickets, dining, and grocery purchases, which may be redeemed for additional free fuel. If you favor BPCL petrol pumps over other gasoline stations, consider this fuel credit card and take advantage of its all-around benefits.
| Key Benefits | Why We Like It |
| 6,000 bonus reward points as a welcome benefit 1% surcharge waiver across all BPCL petrol pumps 25 reward points for every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas | Benefits on other categories as well Additional benefits, such as fraud liability cover, complimentary lounge visits, etc. Instant reward redemption at select BPCL petrol pumps |
