11 Best Credit Cards 2023 India

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.

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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 BenefitsWhy 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 BenefitsWhy 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 BenefitsWhy 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 BenefitsWhy 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 BenefitsWhy 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 INR  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 BenefitsWhy 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 BenefitsWhy 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 BenefitsWhy 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 BenefitsWhy 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 BenefitsWhy 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.

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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 BenefitsWhy 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

Axpert Media News Desk
Axpert Media News Deskhttps://axpertmedia.in
Axpert Media News Desk is an Internet media Website and our goal is to reach out People all over world with News, Informations & Entertainment. Ect, founder & ceo Krishnaanand

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