The Best Credit Cards In India

By: OurMoneyGuide || Last updated on: April 25, 2024

SBI Cashback Credit Card is one of the most popular cashback credit cards in India, offering 5% cashback on online purchases. If you are comfortable shopping online, this card can reward you on almost all your purchases. Cashback credit cards are easy to understand since the redemption process is very straightforward , the cashback amount is simply paid into your credit card statement.

By: OurMoneyGuide || Last updated on: May 8, 2024

The Axis Flipkart Credit Card is one of the most popular cashback credit cards, providing customers with various cashback opportunities. With 5% unlimited cashback on purchases made at Flipkart, 4% unlimited cash back at preferred merchants, and 1% cashback on all other spends, customers can enjoy enhanced savings on a wide range of purchases.

Cashback credit cards are easy to understand since the redemption process is very straightforward – the cashback amount is simply paid into your credit card statement.

Bank of Baroda INDIAN ARMY YODDHA Credit Card, is a card exclusively for Indian Army Personnel. You get higher cashback on department store and grocery purchases. You also get lifestyle benefits like complimentary access to domestic airport lounges (2 times per quarter), and complimentary golf (1 time per quarter).

Moreover there are no annual fee charges, the card is lifetime free.

AU Bank Altura Credit Card is a low fee starter card from AU Bank, with a low annual card spend requirement to get an annual fee waiver. It gives higher cashback on certain shopping spends, and on utility bill payments.

By: OurMoneyGuide || Last updated on: April 30, 2024

Kotak Mojo Platinum Credit Card is a good card to get complimentary airport lounge access in India – 2 per quarter. You also get 1% cashback on online spends. It has an easy reward points redemption process, you can redeem your reward points for cashback.

The minimum income requirement is ₹4 lakhs per year. Kotak cards are available only in the following cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune.

By: OurMoneyGuide || Last updated on: April 18, 2024

The ICICI HPCL Super Saver Credit Card is a co branded credit card , launched by two leading organizations, Hindustan Petroleum Corporation Limited (HPCL) and the ICICI Bank. It provides attractive incentives on HPCL fuel purchases. This co branded credit card also provides benefits on shopping & entertainment spending.

By: OurMoneyGuide || Last updated on: May 7, 2024

The IRCTC HDFC Bank Credit Card is a co-branded credit card offered by HDFC Bank in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC).

This credit card is designed to provide exclusive benefits and rewards to frequent train travellers. With benefits such as accelerated reward points on train ticket bookings, and railway lounge access, it is a great card for those who frequently travel by train.

By: OurMoneyGuide || Last updated on: April 26, 2024

The IndianOil Kotak Credit Card is a co-branded fuel credit card, launched in partnership with Indian Oil Corporation Limited (IOCL). This fuel card provides special incentives on IndianOil (IOCL) fuel expenditure. It also gives higher reward on shopping and dining spends, and other lifestyle benefits.

Aditya Birla SBI Card is a cobranded card launched by SBI Card, in partnership with Aditya Birla Group. The card offers special benefits at Aditya Birla Fashion Stores (on online shopping and also at retail stores). And also Vodafone Idea (Vi).

Aditya Birla Fashion stores include Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry. 

By: OurMoneyGuide || Last updated on: April 18, 2024

SBI Card PRIME is a popular premium SBI Credit Card. Besides giving higher reward on shopping purchases, the card also offers a variety of lifestyle benefits like complimentary airport lounge access and complimentary airline & hotel memberships.

 By: OurMoneyGuide || Last updated on: April 26, 2024

Kotak White Reserve Credit Card is a super premium credit card from Kotak Mahindra Bank. It has a simple reward structure wherein you can get upto 2.50% rewards, based on reaching specified annual card spend milestones.

You also get lifestyle privileges like unlimited complimentary access to airport lounges in India and abroad, free golf rounds across the world (2 per month), and luxury concierge services.

Kotak Zen Signature Credit Card is a Kotak Credit Card which gives good lifestyle benefits like complimentary airport lounge access both in India (2 times per quarter) and abroad (3 times per year). It also gives higher benefits (of 1.6%) on various shopping spends, along with a milestone program which gives additional benefits (of upto 0.6%) on all card spends.

The minimum income requirement is ₹4.80 lakhs per year. Kotak cards are available only in the following cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune

By: OurMoneyGuide || Last updated on: April 25, 2024

Lifestyle Home Centre SBI Card is a co-brand card launched by SBI Card, in partnership with Lifestyle. Lifestyle is a leading retail destination for branded beauty, fashion and home products. It is part of the Landmark group. You can earn upto 3.3% benefit on Landmark spends.

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment. 

Lifestyle Home Centre SBI Card PRIME is a co-brand card launched by SBI Card, in partnership with Lifestyle. Lifestyle is a leading retail destination for branded beauty, fashion and home products. It is part of the Landmark group. You can earn upto 9% benefit on Landmark spends.

You also get complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year).

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment.

By: OurMoneyGuide || Last updated on: April 25, 2024

Lifestyle Home Centre SBI Card SELECT is a co-brand card launched by SBI Card, in partnership with Lifestyle. Lifestyle is a leading retail destination for branded beauty, fashion and home products. It is part of the Landmark group. You can earn upto 6.2% benefit on Landmark spend

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment.

By: OurMoneyGuide || Last updated on: April 25, 2024

Max SBI Card is a co-brand card launched by SBI Card, in partnership with Max. Max is the Landmark Group’s leading value fashion brand offering clothing, accessories and footwear for the entire family.

You can earn upto 3.3% benefit on Landmark spends. Landmark stores include Lifestyle, Home Centre, Max and Spar.

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment. 

By: OurMoneyGuide || Last updated on: April 17, 2024

IndusInd Bank Platinum Aura Edge Credit Card gives you the flexibility to choose a rewards program, that best suits your spending preferences. You can choose from 4 plans, based on where you spend most. The card charges no annual fee from the 2nd year onwards.

The IDFC FIRST Classic Credit Card is an entry level card from IDFC First Bank, with a minimum income requirement of ₹3 lakhs per year (₹25000 per month).

The card is lifetime free. Lifetime-free credit cards are a popular choice among customers who want simplicity and do not want to do a detailed cost benefit analysis of their credit card.

The card offers a range of benefits like complimentary railway lounge access (4 times per quarter), movie benefits, roadside assistance, complimentary insurance covers.

By: OurMoneyGuide || Last updated on: April 28, 2024

IDFC FIRST Select Credit Card is a lifetime free card, with a minimum income requirement of ₹12 lakhs per year. Lifetime-free credit cards are a popular choice among customers who want simplicity and do not want to do a detailed cost benefit analysis of their credit card.

The card offers a range of benefits like complimentary domestic airport & railway lounge access, movie benefits, roadside assistance, complimentary insurance covers.

By: OurMoneyGuide || Last updated on: April 28, 2024

The IDFC First Millennia Credit Card is a lifetime free entry level card, and comes with a range of benefits and offers. A minimum income of ₹3 lakhs per year is required to get this card.

Lifetime-free credit cards are a popular choice among customers who want simplicity and do not want to do a detailed cost benefit analysis of their credit card.

The IDFC First Wealth Credit Card is a premium card from IDFC First, with a minimum income requirement of ₹36 lakhs per year.. Unlike most premium cards in the industry, this card is offered lifetime free.

It comes with a range of benefits, but the reward rates given on card spending are comparatively low.

By: OurMoneyGuide || Last updated on: April 28, 2024

The IDFC WOW Credit Card Credit Card is a secured card (credit card issued against a fixed deposit) and a lifetime free credit card. Hence it is a good choice for those who value a free card, and those who are just starting their credit card journey.

Secured cards are cards issued against a fixed deposit, and a great choice for those who do have a good credit history, like students, first jobbers, homemakers, senior citizens, travellers, and self-employed individuals. Lifetime free cards are a good choice for those who do not want to evaluate in depth whether the annual fee of the credit card justifies the rewards associated with the card.

By: OurMoneyGuide || Last updated on: April 16, 2024

IndusInd Bank Pinnacle Credit Card is one the best IndusInd credit cards. It offers a range of lifestyle benefits, and charges no annual fee from the 2nd year onwards.

6E Rewards IndiGo HDFC Bank Credit Card is a co-branded card from HDFC Bank, in partnership with Indigo, India’s largest domestic airline. The card gives attractive rewards not only on Indigo ticket purchases, but also on variety of your day-to-day expenses. All rewards that you get can only be used on Indigo, hence the card is suitable only for regular Indigo fliers.

OLA Money SBI Credit Card is a cobranded credit card from SBI Card, launched in partnership with Ola, a well known ride-hailing company in India.

Besides offering special benefits on Ola services, OLA Money SBI Credit Card also offers special rewards on Cleartrip travel bookings .

IRCTC Rupay SBI Credit Card is a co-branded railway card from SBI Card, in partnership with IRCTC. You get 10.80% benefit on AC class rail tickets in the non-peak season, and 4.80% benefit in peak travel season.

You also get complimentary railway lounge access.

IndusInd Bank Tiger Credit Card is a lifetime free credit card from IndusInd Bank, issued in partnership with Tiger Fintech (a Bajaj Capital group company). It offers a range of lifestyle benefits, and high rewards if you have a higher card spend.

By: OurMoneyGuide || Last updated on: April 26, 2024

Kotak IndiGo 6E Rewards Credit Card is a co-branded credit card between two leading organisations, Indigo Airlines and Kotak Mahindra Bank. This travel card provides special incentives when you fly on Indigo, and also other benefits such as higher rewards in certain card spend categories.

Kotak IndiGo 6E Rewards XL Credit Card is a co-branded credit card, a partnership between Kotak Mahindra Bank and Indigo Airlines. This travel card provides special incentives when you fly on Indigo. The card also provides other lifestyle benefits like complimentary lounge access.

Kotak League Platinum Credit Card is a good starter card from Kotak. It has a low annual card spend requirement of ₹50,000 to get an annual fee waiver, hence the card can be virtually lifetime free if you spend ₹50,000 on your card each year

The card also provides lifestyle benefits like complimentary domestic airport lounge access, 2 times per quarter, and other benefits.

By: OurMoneyGuide || Last updated on: April 17, 2024

The MakeMyTrip ICICI Bank Platinum Credit Card is a cobranded card from ICICI Bank, in partnership with MakeMyTrip, one of the leading online travel companies. You get special rewards on MakeMyTrip. You also get other travel and lifestyle benefits such as complimentary domestic airport lounge access and complimentary domestic railway lounge access.

The card is free from the 2nd year onwards. In the 1st year, there is an annual fee of ₹500 which is more than compensated by welcome offers worth ₹3500.

ICICI Bank Sapphiro Credit Card is a premium card from ICICI Bank. Like many of the other cards from ICICI Bank, the card provides some good perks and benefits but rewards on card spending are comparatively low. Perks and benefits include complimentary access to airport lounges both in India and abroad, complimentary golf, movie benefits and 24X7 concierge services.

By: OurMoneyGuide || Last updated on: April 22, 2024

The SCB Ultimate Credit Card is a premium credit card offering exclusive benefits and privileges. It offers a competitive reward rate on various kinds of spends, and offers lifestyle benefits like complimentary lounge access & complimentary golf rounds & lessons.

Spar SBI Card PRIME is a co-brand card launched by SBI Card, in partnership with Spar. Spar is a leading supermarket, and part of the Landmark group. Spar currently operates 24 stores across 9 cities – Bengaluru, Mangalore, Shimoga, Chennai, Coimbatore, Hyderabad, New Delhi, Gurugram, & Ghaziabad. 

You can earn upto 9% benefit on Landmark spends. Landmark stores include Lifestyle, Home Centre, Max and Spar. 

You also get complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year).

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment.

By: OurMoneyGuide || Last updated on: May 7, 2024

Shoppers Stop Black HDFC Credit Card is a co-brand credit card offered by HDFC Bank, in partnership with Shoppers Stop. This is the premium version of this co-brand partnership, and is the best card for those who shop frequently at Shoppers Stop.

By: OurMoneyGuide || Last updated on: May 9, 2024

The Samsung Axis Bank Infinite Credit Card is a premium co-branded credit card , issued by Axis Bank in partnership with Samsung India. It offers an attractive cashback program on Samsung purchases, special benefits on 5 preferred merchants serving a variety of needs, special benefits on international spending, and a range of lifestyle benefits such as complimentary lounge access both within India and abroad.

By: OurMoneyGuide || Last updated on: April 25, 2024

The SBI ELITE Credit Card is a premium credit card from SBI. It offers attractive benefits on shopping and dining expenses. It also provides a range of lifestyle benefits such as complimentary access to lounges at domestic and international airports, low foreign exchange fee, complimentary Club Vistara Silver membership, and Trident Privilege Red Tier Membership.

By: OurMoneyGuide || Last updated on: April 18, 2024

SBI Card PRIME is a popular premium SBI Credit Card. Besides giving higher reward on shopping purchases, the card also offers a variety of lifestyle benefits like complimentary airport lounge access and complimentary airline & hotel memberships.

6E Rewards IndiGo HDFC Bank Credit Card is a co-branded card from HDFC Bank, in partnership with Indigo, India’s largest domestic airline. The card gives attractive rewards not only on Indigo ticket purchases, but also on variety of your day-to-day expenses. All rewards that you get can only be used on Indigo, hence the card is suitable only for regular Indigo fliers.

By: OurMoneyGuide || Last updated on: April 25, 2024

Lifestyle Home Centre SBI Card is a co-brand card launched by SBI Card, in partnership with Lifestyle. Lifestyle is a leading retail destination for branded beauty, fashion and home products. It is part of the Landmark group. You can earn upto 3.3% benefit on Landmark spends.

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment. 

Miles & More Axis Bank World Select Card is a co-branded travel card from Axis Bank, in partnership with Lufthansa. Lufthansa is a German airline, one of the best airlines in the world. 

You earn Miles & More Airmiles, which you can redeem at Lufthansa and its partners.

Miles & More Axis Bank World Card is a co-branded travel card from Axis Bank, in partnership with Lufthansa. Lufthansa is a German airline, one of the best airlines in the world.

You earn Miles & More Airmiles, which you can redeem at Lufthansa and its partners.

By: OurMoneyGuide || Last updated on: April 25, 2024

Max SBI Card SELECT is a co-brand card launched by SBI Card, in partnership with Max. Max is the Landmark Group’s leading value fashion brand offering clothing, accessories and footwear for the entire family.

You can earn upto 6.2% benefit on Landmark spends. Landmark stores include Lifestyle, Home Centre, Max and Spar.  

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment.

By: OurMoneyGuide || Last updated on: April 25, 2024

Max SBI Card PRIME is a co-brand card launched by SBI Card, in partnership with Max. Max is the Landmark Group’s leading value fashion brand offering clothing, accessories and footwear for the entire family. 

You can earn upto 9% benefit on Landmark spends. Landmark stores include Lifestyle, Home Centre, Max and Spar. 

You also get complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year).

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment.

By: OurMoneyGuide || Last updated on: April 25, 2024

Max SBI Card is a co-brand card launched by SBI Card, in partnership with Max. Max is the Landmark Group’s leading value fashion brand offering clothing, accessories and footwear for the entire family.

You can earn upto 3.3% benefit on Landmark spends. Landmark stores include Lifestyle, Home Centre, Max and Spar.

The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment. 

The Accelero ICICI Bank Credit Card is an automobile card from ICICI Bank. The card gives you 3.50% reward on fuel purchases (2.50% cashback and 1% fuel surcharge waiver), complimentary roadside assistance along with add-on services like free car wash.

It gives you a chance to participate in an annual partially sponsored exclusive trip especially curated for you, for top spenders of Accelero ICICI Bank Credit Cards.

It also gives you other benefits like domestic airport lounge access (once per quarter), and movie benefits (upto ₹400 per month)

By: OurMoneyGuide || Last updated on: April 25, 2024

BPCL SBI Octane Credit Card provides one of the highest reward rate on fuel purchases – 7.25% on BPCL fuel purchases. This card is a co-branded credit card, and was launched as a partnership between Bharat Petroleum Corporation Limited (BPCL) and the State Bank of India (SBI). This card is a premium fuel card – it has one of the highest annual fee amongst all fuel cards in the market, but also provides the best reward rate on fuel purchases (only at BPCL petrol pumps).

It also provides other benefits like airport lounge access within India, and a special benefit rate of 2.50% on purchases at departmental stores, groceries, movies & dining.

By: OurMoneyGuide || Last updated on: April 23, 2024

The HPCL Bank of Baroda ENERGIE Credit Card is a partnership between two leading organisations, Hindustan Petroleum Corporation Limited (HPCL) and Bank of Baroda (BOB). This co-branded fuel card provides attractive incentives on fuel expenditure. It also provides lifestyle benefits like free domestic airport lounge access.

By: OurMoneyGuide || Last updated on: April 18, 2024

The ICICI Bank HPCL Coral Credit Card is an entry level co-branded fuel card from ICICI Bank, one of the largest card issuers in India. The card offers 3.50% cashback on HPCL fuel purchases.

It has a low annual fee of ₹199, and has a low yearly card spend requirement of ₹50,000 to get an annual fee waiver.

By: OurMoneyGuide || Last updated on: April 18, 2024

The ICICI HPCL Super Saver Credit Card is a co branded credit card , launched by two leading organizations, Hindustan Petroleum Corporation Limited (HPCL) and the ICICI Bank. It provides attractive incentives on HPCL fuel purchases. This co branded credit card also provides benefits on shopping & entertainment spending.

By: OurMoneyGuide || Last updated on: April 22, 2024

The IDFC HPCL First Power Card is a co branded credit card between two leading organisations, Hindustan Petroleum Corporation Limited (HPCL) and IDFC First Bank. This fuel card provides attractive incentives on fuel expenditure. It also provides benefits on your shopping & UPI spends.

The IDFC HPCL First Power+ Card is a co branded credit card between two leading organisations, Hindustan Petroleum Corporation Limited (HPCL) and IDFC First Bank. This fuel card provides attractive incentives on fuel expenditure , and also on grocery purchases, utility expenses and FASTag recharges.

By: OurMoneyGuide || Last updated on: May 8, 2024

The IndianOil Axis Bank Credit Card is a credit card partnership between two leading organisations, Indian Oil Corporation Limited (IOCL) and Axis Bank. This fuel credit card provides attractive incentives on fuel expenditure. It also provides benefits on your shopping & entertainment spending.

Most credit cards in India do not provide any reward points for fuel purchases. Hence, it’s critical for heavy fuel users to take a close look at the best fuel cards in India.

By: OurMoneyGuide || Last updated on: March 19, 2024

The Axis Bank Insta Easy Free Credit Card is a secured card backed by your fixed deposit, and is lifetime free. Hence it is a great beginner card, especially for people who want to build your credit history.

Lifetime free cards are also very popular since a lot of people like the simplicity of such cards.

By: OurMoneyGuide || Last updated on: April 23, 2024

Bank of Baroda PRIME Credit Card is a secured card (issued against fixed deposit), and a lifetime free credit card, hence it is a good choice for those who value a free card, and those who are just starting their credit card journey.

Secured cards are cards issued against a fixed deposit, and a great choice for those who do have a good credit history, like students, first jobbers, homemakers, senior citizens, travellers, and self-employed individuals. Lifetime free cards are a good choice for those who do not want to evaluate in depth whether the annual fee of the credit card justifies the rewards associated with the card.

In this review, we will go through the different elements of the Bank of Baroda PRIME Credit Card in-depth – from cost and fees details to rewards points and special offers; to determine whether it would be a good fit for your credit card needs.

By: OurMoneyGuide || Last updated on: April 28, 2024

The IDFC WOW Credit Card Credit Card is a secured card (credit card issued against a fixed deposit) and a lifetime free credit card. Hence it is a good choice for those who value a free card, and those who are just starting their credit card journey.

Secured cards are cards issued against a fixed deposit, and a great choice for those who do have a good credit history, like students, first jobbers, homemakers, senior citizens, travellers, and self-employed individuals. Lifetime free cards are a good choice for those who do not want to evaluate in depth whether the annual fee of the credit card justifies the rewards associated with the card.

By: OurMoneyGuide || Last updated on: April 26, 2024

Kotak Mahindra Bank Kotak Bank #811 Dream Different Credit Card is one of the best beginner cards for building credit history, since it can be issued against a fixed deposit.

It is also a lifetime free credit card, with no annual fee. Free cards are simple to understand since you do not have to analyse whether the benefits of the card justify the annual fee of the card.

With the help of milestone benefit, you can earn over 1% rewards, on online spends. The card also offers a unique railway surcharge waiver. Read on for more details.

By: OurMoneyGuide || Last updated on: April 26, 2024

The Kotak NRI Royale Signature Credit Card is a fixed-deposit based credit card, hence no income proof and no credit history is required. Minimum personal fixed deposit of ₹1 lakh is required. This is credit card targeted towards NRIs, only NRIs are eligible for this card.

By: OurMoneyGuide || Last updated on: April 18, 2024

SBI Card Unnati is a card issued against a fixed deposit, and is a good choice for those who do not have a satisfactory credit score and/or income proof. No annual fee is charged for the first 4 years.