Best Credit Cards in India

You must choose the credit card that best meets your needs because everyone has different goals when it comes to credit cards. Some credit cards work better for online bill payments and others for finding great deals. 

Our article has listed below some of the best credit cards in India to assist you in making an informed decision.

Top 10 Best Credit Cards in India

The most budget-friendly credit cards are those that are listed below:

Name of Credit Card and Bank Joining Fee Annual Fee 
IDFC First Millennia Credit Card Nil Nil
ICICI Rubyx Credit Card ₹3,000 + GST ₹2,000 + GST
Yes First Reserv Card ₹1,999+ Taxes ₹1,999+ Taxes
HDFC Regalia Card ₹2500 + Taxes ₹2500 + Taxes
FIRST Wealth Credit Card Nil Nil
HDFC Infinia Card ₹12,500 + Taxes ₹12,500 + Taxes
SBI SimplySAVE Credit Card ₹499 ₹499
Axis Flipkart credit card ₹500 + Taxes ₹500 + Taxes
ICICI Emeralde Credit Card ₹ 12,499 ₹ 12,499
Axis Bank ACE Credit Card ₹ 499 ₹ 499

IDFC First Millennia Credit Card

Joining Fee: Nil

Annual Fee: Nil

Features:

ICICI Rubyx Credit Card

Joining Fee: ₹3,000 + GST

Annual Fee: ₹2,000 + GST

Features:

Yes First Reserv Card

Joining Fee: ₹1,999+ Taxes

Annual Fee: ₹1,999+ Taxes

Features:

HDFC Regalia Card

Joining Fee: ₹2500 + Taxes

Annual Fee: ₹2500 + Taxes

Features:

FIRST Wealth Credit Card

Joining Fee: Nil

Annual Fee: Nil

Features:

HDFC Infinia Card

Joining Fee: ₹12,500 + Taxes

Annual Fee: ₹12,500 + Taxes

Features:

SBI SimplySAVE Credit Card

Joining Fee: ₹499

Annual Fee: ₹499

Features:

Axis Flipkart credit card

Joining Fee: ₹500 + Taxes

Annual Fee: ₹500 + Taxes

Features:

ICICI Emeralde Credit Card

Joining Fee: ₹ 12,499

Annual Fee: ₹ 12,499

Features:

ICICI Emeralde is a super premium credit card and is invite-only. The holder must earn ₹ 2,50,000 or above as net monthly salary income or have an annual Income Tax Returns filed

Of ₹ 30,00,000 or above. 

Axis Bank ACE Credit Card

Joining Fee: ₹ 499

Annual Fee: ₹ 499

Features:

Best Travel Credit Card India

Travel credit cards are a unique kind of credit card that provides a variety of benefits, including reward points and loyalty programs, as well as travel memberships, hotel vouchers, and welcome bonuses.

Here are a few of India’s best travel credit cards in India:

Name of Credit Card and Bank Joining Fee Annual Fee 
IDFC Wow Credit Card ₹199 + GST ₹199 + GST (Second year onwards)
HDFC Bank Diners Club Miles Credit Card ₹1,000 + Taxes ₹1,000
YES Bank Premia Credit Card ₹999 + Taxes ₹999 + Taxes
Club Vistara SBI Card ₹1,499 + taxes ₹1,499 + taxes
SBI Platinum Card for IRCTC ₹500 + Taxes (One Time) ₹300

IDFC Wow Credit Card

Joining Fee: ₹199 + GST

Annual Fee: ₹199 + GST (Second year onwards)

Features:

HDFC Bank Diners Club Miles Credit Card

First-year and renewal Membership Fee: ₹1,000 + Taxes

Annual Fee: ₹1,000

Features:

YES Bank Premia Credit Card

Annual Fees: ₹999 + Taxes

Joining Fees: ₹999 + Taxes

Features:

Club Vistara SBI Card

Joining Fee: ₹1,499 + taxes

Renewal Fee: ₹1,499 + taxes

Features:

SBI Platinum Card for IRCTC

Annual Fee (one-time): ₹500 + Taxes

Renewal Fee (per annum): ₹300

Features:

Best Premium Credit Card in India

Are you searching for a premium credit card in India? You have come to the right place. You can find everything from cashback to lounge access, complimentary hotel stays, and business class tickets with these cards. 

Name of Credit Card and Bank Joining Fee Annual Fee 
HDFC Bank Diners Club Black Credit Card ₹10,000 + GST ₹10,000 + GST
ICICI Bank Sapphiro ₹6,500 + GST ₹3,500 + GST
SBI Card ELITE credit card ₹4,999 + Taxes ₹4,999 + Taxes
Axis Bank Magnus Credit Card ₹12,500 + GST ₹12,500 + Taxes
SBI Elite Credit Card ₹4,999 ₹4,999

HDFC Bank Diners Club Black Credit Card

Joining Fee: ₹10,000 + GST

Annual fee: ₹10,000 + GST

Features:

ICICI Bank Sapphiro

Joining fee: ₹6,500 + GST

Annual fee: ₹3,500 + GST

Features:

SBI Card ELITE credit card

Annual Fee: ₹4,999 + Taxes

Renewal fee: ₹4,999 + Taxes

Features:

Axis Bank Magnus Credit Card

Annual Fee: ₹12,500 + GST

Renewal Fee: ₹12,500 + Taxes

Features:

SBI Elite Credit Card

Annual Fee: ₹4,999

Renewal Fee: ₹4,999

Features:

Best Rewards Credit Card India

Reward credit cards are perfect for people looking to save money and get some rewards. These cards are simple yet effective in offering the kind of benefits that customers like. Here are a few of the best reward credit cards in India. 

Name of Credit Card and Bank Joining Fee Annual Fee 
SBI Card PRIME ₹2,999 ₹2,999
HDFC Bank Diners Club Black Card ₹10,000 + Taxes Nil
IDFC FIRST Select Credit Card Nil Nil
Bank of Baroda Premier Credit Card ₹1000 + Taxes ₹1000 + Taxes
Tata Neu Infinity HDFC Bank Credit Card ₹1,499 + Taxes ₹1,499 + Taxes

SBI Card PRIME

Joining fee: ₹2,999

Annual/Renewal Fee: ₹2,999

Features:

HDFC Bank Diners Club Black Card

Joining/Renewal Fee: ₹10,000 + Taxes

Features:

IDFC FIRST Select Credit Card

No Joining Fee and Annual Fee

Features:

Bank of Baroda Premier Credit Card

Annual Fees: ₹1000 + Taxes

Joining Fees: ₹1000 + Taxes

Features:

Tata Neu Infinity HDFC Bank Credit Card

Annual Fees: ₹1,499 + Taxes

Joining Fees: ₹1,499 + Taxes

Features:

Conclusion

It is difficult to determine which bank credit card is best overall because most of them in India provide the best credit card offers and comparable benefits with minor variations and additional costs. 

This article attempts to identify some of the top credit cards in India that provide cashback, incentives, fuel-related perks, and travel-related benefits. You can compare each of these credit cards to choose the one that best suits your needs and take advantage of its advantages.

Best Credit Cards in India Related FAQs

The best premium credit card in India is HDFC Regalia Card based on the rewards and benefits offered.


  • HDFC Money-Back Credit Card

  • Indian Oil HDFC Bank Credit Card 

  • ICICI Bank HPCL Coral Credit Card

  • Kotak Royale Signature credit card

  • SBI BPCL Octane Credit Card

  • HDFC Bharat Credit Card

  • ICICI Amazon Pay Credit Card

  • Axis Bank Flipkart Credit Card

  • RBL Titanium Delight Credit Card

  • SimplySave SBI Card

ICICI Bank Credit Card are some of the best, providing the best offers and benefits while also being economical.


When you apply for a credit card, there is an application fee, an annual fee, a late fee, a fee for cash withdrawals, and a few other fees.

  • Access to credit cards is relatively easy and simple. 

  • With credit cards, interest-free periods are offered.

Some of them give you the best credit card offers and cashback.

  • Air India SBI Signature Credit Card

  • Kotak Indigo XL Credit Card

  • Axis Bank Vistara Infinite Credit Card

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