Best Credit Cards in India [2024]

• 25% discount on movie tickets up to ₹100 on Paytm mobile app, every once a month

• Welcome voucher of ₹.500 on spending a minimum of ₹5,000 in the first 30 days

• Four complimentary railway lounge visits, each quarter

• Free Roadside Assistance valued at ₹1,399

• 1% of the fuel surcharge is waived at all fueling stations in India.

• Personal Accident Cover and Lost Card Liability Cover of ₹2 Lakh and ₹25,000, respectively

• 1X Reward Points for paying utility bills and insurance premiums

• 15,000 ICICI Bank Reward Points on your anniversary each year.

• Two free rounds of golf each month (one round for every ₹50,000 spent in the prior month).

• Two complimentary access each quarter to specific Indian airport lounges

• Welcome vouchers worth more than ₹ 5,000 within 45 days.

• Tata CliQ Voucher worth ₹ 2,000

• Two EaseMyTrip Vouchers worth ₹1,000 each

• One golf lesson per year at a few Indian golf courses

• Credit Shield coverage of ₹15 Lakh, Lost Card Liability of ₹15 Lakh to ₹30 Lakh, and up to ₹50,000 in insurance against unintentional damage for six months for online-purchased mobile and electronic devices

• 1% of the fuel surcharge between ₹400 and ₹5,000 is waived

• Use your YES Bank Credit Card to receive a minimum 15% discount while dining at specified restaurants

• Access to airport lounges worldwide for Mastercard and Visa cards, as well as three complimentary lounge visits every quarter in India

• Welcome benefits include complimentary Club Vistara Silver Tier and MMT Black Elite membership

• Vouchers of ₹1,500 on quarterly expenditures of ₹1.5 lakh

• Flight vouchers worth ₹5,000 on yearly expenditures of ₹5 lakh and an extra ₹5,000 voucher on expenditures of ₹7.5 lakhs

• 5X Reward Points for purchases made at Reliance Digital, Myntra, Nykaa, and Marks & Spencer

• Free lounge access in more than 1000 airports

• Every ₹150 spent (on retail* purchases) earns you 4 reward points

• A lifetime free credit card

• After 30 days of the card's generation, spend ₹5,000 or more to receive a welcome voucher worth ₹500

• 5% cash back on the first EMI transaction amount made within 30 days after card creation, up to ₹1,000

• 3X Reward Points for a statement cycle on purchases up to ₹20,000

• 10 times the reward points for exceeding ₹20,000 in a statement cycle and on your birthday 

• Only 1.5% forex mark-up

• ‘Buy One, Get One' offer on movie tickets on the Paytm mobile app, up to ₹250 (usable twice per month)

• With a monthly spending of ₹20,000, you will receive 2 complimentary visits to domestic airport lounges and spas and 2 complimentary visits to international airport lounges per quarter

• Enjoy the Welcome and Renewal advantage of 10,000 reward points* upon fee realization and card activation

• Spend ₹8 Lakh or more in the previous 12 months and get the renewal membership charge waived for the next year

• Complimentary nights and buffets in affiliated ITC hotels

• Complimentary Club Marriott membership for the first year

• Access airport lounges worldwide for Primary and Add-on members 

• Earn 5 Reward Points for every ₹150 spent

• Global Personal Concierge - 24 X 7

• Unlimited Complimentary golf games at top courses across India and around the world.

• Priority Pass provides unlimited complimentary lounge access at 1,000+ airport lounges in India and abroad.

• Spend Rs. 2,000 or more in the first 60 days and receive 2,000 additional Reward Points.

• Enjoy 10 reward points for every Rs 150 spent on dining, movies, department stores, and groceries.

• Get an annual membership fee reversal starting from the second year of your subscription.

• 1% fuel surcharge at any fuel station

• You can use your SimplySAVE SBI Card in over 24 million stores around the world, including 3,25,000 in India.

• Transfer the unpaid balance of other bank's credit cards to your SimplySAVE SBI Card, and get a cheaper interest rate and pay back in EMIs.

• Earn 5% cashback on purchases at Flipkart.

• Enjoy four complimentary domestic airport lounges annually.

• Up to 15% off at partner restaurants throughout India.

• Receive a welcome voucher from numerous brands.

• When you first use your Flipkart Axis Bank credit card, you'll receive INR 500 in Flipkart coupons.

• Get 50% off, up to INR 100, on your first Swiggy order

• 4% accelerated cashback at PVR cinemas

• Unlimited free use of the international lounges

• Unlimited free use of the domestic lounges

• There are no cancellation fees for domestic travel or hotel reservations

• Take pleasure in having freedom while choosing your membership plan

• Take advantage of free unlimited domestic airport spa access

• Every month, enjoy free golf matches

• A ₹ 5000 shopping ticket from Tata CLiQ to help you kick off your birthday month in style

• A 24x7 concierge service to take care of your every need

₹ 499

₹ 499

• 5% cashback is available for DTH recharges, bill payments and mobile recharges made with Google Pay.

• 4% cashback on Zomato, Ola, and Swiggy

• 1.5% return on all additional purchases

• 4 complimentary domestic airport lounge access per calendar year

• 1% fuel surcharge waiver across all fuel stations in India on fuel purchase

• Get up to 15% at 4000+ partner restaurants in India

₹199 + GST

₹199 + GST (Second year onwards)

• 4X rewards on every purchase

• Various offers from over 300 partner businesses

• 20% off at over 1500 partner restaurants

• No Forex mark-up fee

• Complimentary roadside assistance

• 1% Fuel surcharge waiver at all the fuel stations across India to the maximum of ₹200 a month

• Personal Accident Cover of ₹2,000,000 and Lost Card Damage Cover of ₹25,000

• Up to 20% off at partner restaurants

• Up to 15% off at partner health and wellness stores

 ₹1,000 + Taxes

₹1,000

• Relax in 1000+ best lounges across the world with complimentary entry six times a year via our exclusive lounge program

• Enjoy the perks of having a concierge for all your travel requirements

• Earn 4 Reward Points each ₹150 spent

• Redeem your points for airline tickets and hotel accommodations

• Earn one mile per reward point

• Credit Liability Coverage of up to ₹9 Lakh

• Travel Insurance Coverage of up to ₹50,000 for baggage delay or loss

₹999 + Taxes

₹999 + Taxes

• Enjoy three complimentary lounge visits each year

• Earn 6 reward points when you spend ₹200

• Enjoy a 15% discount at the recommended dining establishments

• Spend ₹2,00,000 and get a Renewal Anniversary Fee waiver 

• Enjoy a first-year fee waiver on spending ₹20000 within 30 days of card activation

• Interest is charged at 3.5% on a revolving loan or overdue amount

• Preferential foreign currency markup of only 2.50%

₹1,499 + taxes

₹1,499 + taxes

• Receive 1 Economy class ticket as an E-Gift Voucher with payment of the annual / renewal price

• Enjoy four complimentary visits per year to domestic airport lounges (with a maximum of one per quarter)

• Up to four cancellations each year, each restricted at ₹3,500

• Liability coverage for lost cards up to ₹1 Lakh

• Air Accident Coverage up to ₹50 Lakh

• Get one Economy class ticket each on annual spending of ₹1.25 Lakh, ₹2.5 Lakh, and ₹5 Lakh

 ₹500 + Taxes (One Time)

₹300

• Get a 350 activation bonus. Reward points for a single transaction of ₹500 or more within 45 days after card issuance

• Receive one reward point for every ₹125 spent on non-fuel retail purchases, including train ticket purchases

• Buy tickets on the IRCTC website and app (except sleeper class) and receive up to 10% value back in Reward Points

• Enjoy four complimentary train lounge visits per year to participating lounges in India (maximum one per quarter)

• Save 1% on transaction charges when ordering railway tickets through the IRCTC website

₹10,000 + GST

₹10,000 + GST

• Complimentary annual memberships to Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK   

• Complimentary Ola Taxis, cult.fit Live, BookMyShow, TataCliQ vouchers on monthly purchases of over ₹80,000

• 5 Reward Points for each Rs 150 spent

• Up to 10X Reward Points through SmartBuy and 2X for weekend meals

• Complimentary golf games on the best courses in the world (6 per quarter) 

₹6,500 + GST

₹3,500 + GST

• ICICI Bank Rewards offers up to 20,000 PAYBACK Points per anniversary year

• Mastercard and American Express provide four complimentary domestic airport lounge visits each quarter

• Two complimentary international airport lounge visits and two complimentary domestic airport spa treatments per calendar year are included with your membership to Dreamfolks DragonPass Lounge

• Based on your card's eligible spends, you can receive up to four complimentary rounds of golf per month at your preferred golf facility.

• Buy one ticket and save up to ₹500 on the second ticket, twice a month, through the bookmyshow website

• Through the Culinary Treats Programme, you can save at least 15% on your dining bill at over 2,500 restaurants across India

₹4,999 + Taxes

₹4,999 + Taxes

• Every year, you get free movie tickets worth ₹6,000.

• Every quarter, get two complimentary visits to India's domestic airport lounges

• 6 complimentary airport lounge visits every calendar year, outside India (maximum of two visits each quarter)

• Earn up to 50,000 Bonus Reward Points worth ₹12,500 every year and 10,000 additional Reward Points by spending ₹3 Lakh or ₹4 Lakh annually

• Get 5X Reward Points on Dining, Departmental stores, and Grocery Spends and 2 Reward Points per ₹100 on all other spends, except fuel

 ₹12,500 + GST

₹12,500 + Taxes

• Enjoy unlimited complimentary visits at select domestic airports in India

• Get unlimited complimentary visits to international airport lounges

• Up to 15% off at International and domestic Oberoi & Trident hotels

• Avail up to 40% discount at over 4000 restaurants in India

• Insurance benefits such as purchase protection, lost card liability, air accident cover, and more

₹2,999

₹2,999

• Welcome e-gift voucher of ₹3,000 from companies including Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, and more

• Get a Pizza Hut e-Voucher worth ₹1,000 after spending ₹50,000 in a calendar quarter

• Waiver of Renewal Fee on annual spending of ₹3 Lakh

• Enjoy a complimentary Trident Privilege Red Tier membership 

• Four complimentary trips per calendar year to International Priority Pass Lounges outside India (maximum of two visits per quarter)

• 8 free trips per calendar year to domestic lounges in India

₹10,000 + Taxes

₹10,000 + Taxes

• With your HDFC Bank Diners Club Black Credit Card, you can make use of their special 24/7 concierge services

• Purchase flight tickets and accommodations across more than 150 airlines and a selection of hotels

• Activate your credit card for foreign spending and enhance your international daily limit via net banking

• Receive up to six complimentary entry to 1000+ lounges worldwide in a calendar year

• Get concierge services for your travel needs

Nil

Nil

• Receive two complimentary trips to domestic airport lounges per quarter with a monthly spending of ₹20,000  

• Enjoy discounts on Airport Fast Track immigration service in over 450 destinations worldwide

• The concierge service offers you a modern, personalized experience for self-booking your food, staycation, flights, and activities

• Access to over 900 luxury hotels worldwide with premium amenities like automatic room upgrade upon arrival, complimentary in-room Wi-Fi, complimentary continental breakfast, and VIP Guest status

• Coverage includes ₹1 Crore for air accidents, ₹5,00,000 for personal accidents, and ₹50,000 for lost card liability

• Four complimentary trips to the railway lounge per quarter

₹1000 + Taxes

₹1000 + Taxes

• Spend ₹10,000 in 60 days and ₹1,20,000 in a year for the reversal/waiver of annual fees

• Earn 10 reward points* for every ₹100 spent on travel, dining, or abroad

• 1% fuel surcharge waiver at all petrol stations across India for transactions between ₹400 and ₹5000

• One complimentary airport lounge visit each calendar quarter

₹1,499 + Taxes

₹1,499 + Taxes

• Non-EMI spending on Tata Neu and partner Tata Brands earns you 5% back in NeuCoins

• 1.5% NeuCoins back on Non-Tata Brand Spending and any Merchant EMI Spending

• 1.5% back as NeuCoins on UPI spends (including partner Tata Brands) - up to 500 NeuCoins each calendar month

• Earn an additional 5% back in NeuCoins on certain categories on the Tata Neu App/Website after installing the app and registering for Tata NeuPass