Which are the Best Credit Cards in India in 2026?

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.

Also Read: Best CashBack Credit Card

Which Top Credit Cards are Available Through Moneyview?

Did you know that you can now apply for credit cards directly on the Moneyview app or website? Let’s look at the best credit cards in India in 2026 that are available on Moneyview.

Now, let’s look at these cards one by one in detail.

1. SBI Cashback Credit Card

The SBI Cashback credit card is true to its name and gives you amazing cashbacks. Here are the details of this card -

Joining Fee

• • ₹999 + Taxes, waived off if you spend ₹40,000 on retail within the first month of card setup

Annual Fee

• • ₹999 + Taxes, reversed if you spend ₹2 Lakh in the previous year

Eligibility Criteria

• • Should be between the ages of 21 and 70

  • Should have a stable income

  • Should have a good credit score of 750 or higher

Documents Required

• • Identity proof

  • Income proof

  • Address proof

Features & Benefits

• • 5% cashback on online spends

  • 1% cashback on offline spends

  • Make contactless payments

  • Accepted in over 24 million outlets globally, including 3,25,000 in India

  • Withdraw cash from over 1 million Visa or Mastercard ATMs across the globe

Fuel Surcharge Waiver

• • 1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India

  • Minimum waiver of ₹100 per statement cycle

2. SBI SimplySAVE Credit Card

The SBI SimplySAVE Credit Card offers reward points for every purchase, wherein each reward point is equal to ₹0.25. Let’s read about this credit card’s offers -

Joining Fee

• • ₹499 + Taxes

Annual Fee

• • ₹499 + Taxes

  • Reversed if you spend more than ₹1 Lakh in the previous year

Eligibility Criteria

• • Indian citizens below the age of 70

  • The minimum age is 21 for salaried individuals and 25 for self-employed individuals

  • Should have a stable income

Features & Benefits

• • Spend ₹2,000 or more in the first 60 days and receive 2,000 additional reward points

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

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

  • Make contactless payments

  • Accepted in over 24 million outlets globally, including 3,25,000 in India

  • Withdraw cash from over 1 million Visa or Mastercard ATMs across the globe

Fuel Surcharge Waiver

• • 1% fuel surcharge waiver up to ₹100 on transactions between ₹500 and ₹3,000

  • Maximum waiver of ₹100 per statement

3. Axis Flipkart Credit Card

The Flipkart Axis Bank Credit Card offers attractive welcome benefits and cashback on every spend. You can enjoy dining offers and complimentary lounge visits.

Joining Fee

• • ₹500 + Taxes

Annual Fee

• • ₹500 + Taxes

  • Waived off on annual spends of over ₹3,50,000

Eligibility Criteria

• • Should be an Indian resident 

  • Should be between the ages of 18 and 70

Documents Required

• • Photocopy of PAN card or Form 60

  • Proof of income: Latest payslip or Form 16 or IT Return

  • Proof of residence: Driving license or electricity bill or landline telephone bill

Features and Benefits

• • Earn 5% cashback on purchases at Flipkart and Cleartrip, up to ₹4,000 per  statement quarter on each website

  • Earn unlimited 4% cashback on preferred merchants

  • Get 1% cashback on other eligible categories

  • Earn cashback of 7.5% on Myntra, up to ₹4,000 per statement quarter

  • Receive a welcome voucher worth ₹600 from numerous brands

  • Up to 15% off up to ₹500 at partner restaurants throughout India

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

  • Activation benefits worth ₹350

  • Flipkart voucher worth ₹250 on making first transaction within 30 days of card issuance

  • Convert any purchase on Flipkart above ₹2,500 to EMIs

  • Exciting offers every Wednesday

Fuel Surcharge Waiver

• • 1% fuel surcharge waiver across India

  • Valid on transactions between ₹400 and ₹4,000

  • Maximum benefits up to ₹400 per statement cycle

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4. Axis Bank SELECT Credit Card

The Axis Bank ACE Credit Card is a lifestyle benefit card that gives discounts on groceries, golf, movies, and food. It is a mid-range card and is free for Burgundy members. Let’s look at this card in detail.

Joining Fee

• ₹3,000 (Nil for Burgundy)

Annual Fee

• ₹3,000 (Nil for Burgundy)

• Annual fee waived off on spending ₹8 Lakh in the card anniversary year

Eligibility Criteria

• The individual should be a resident of India

• The individual should be between the ages of 18 and 70

• The individual’s annual net income should be a minimum of ₹6 Lakh

Documents Required

• Photocopy of PAN card

• Proof of income

• Proof of residence

Features & Benefits

• 10,000 EDGE reward Points worth ₹2,000 on your first card transaction. Not applicable to lifetime free credit card and Burgundy account holders. To get these points, the first transaction should be done within 30 days of card issuance.

• 100% discount on your second movie ticket booked via the District app.

• Get up to ₹250 off, twice per month, on buying movie tickets.

• Flat ₹500 off once per month on minimum spends of ₹2,500 on BigBasket.

• Flat ₹200 off on Swiggy, twice a month on spending a minimum of ₹1,000 per order.

• Up to 12 complimentary international airport lounge access through Priority Pass membership.

• 2 complimentary domestic lounge visits per quarter on spending ₹50,000 in the last 3 months.

• 6 complimentary Golf rounds per year.

• Priority Pass membership renewal on annual spend of ₹3 Lakh.

• 5000 EDGE reward points on spending ₹3 Lakh in the card anniversary year.

• Purchase protection up to ₹1 Lakh

• Cumulative cover of up to $500 for loss of travel documents, delay of check-in baggage, loss of check-in baggage

• Exciting offers every Wednesday

Fuel Surcharge Waiver

• 1% fuel surcharge waiver on fuel purchase across India

• Valid on transactions between ₹400 and ₹4,000

• Maximum benefits of ₹400 per statement cycle

5. ICICI Rubyx Credit Card

The ICICI Rubyx Credit Card is attractive if you are looking for a credit card with lots of offers in India. Interest rates start from 3.75% per month for both ATM withdrawals and late payments.

Joining Fee

• ₹3,000 + GST

Annual Fee 

• ₹2,000 + GST

• Waived off on spending more than ₹3 Lakh in the previous year

Eligibility Criteria

• Indian citizens above the age of 21

• Monthly income of ₹75,000 for salaried individuals

• Yearly income of ₹9 Lakh for self-employed individuals

Documents Required

• Identity proof

• Income proof

• Address proof

• No physical documents required

Benefits & Features

• 2 complimentary rounds of golf each month based on eligible spending

• 2 complimentary domestic airport lounge access each quarter 

• 8 complimentary railway lounge access in a year

• Earn 1 to 4 points for every ₹100 spent: 1 point for utility and insurance, 2 points for domestic spends, and 4 points on international spends

• Welcome vouchers worth ₹15,000 from EaseMyTrip, Tata CLiQ, Tata Croma, EazyDiner, Avis, and Elivaas 

• 25% off up to ₹150 on movie tickets twice a month

• 24*7 concierge services by calling 18002670731 (Toll Free) or 18002678729 (Rupay Variant)

• 3000 reward points on spending ₹3 Lakh and 1,500 points for every additional ₹1 Lakh spent (up to 15,000 reward points per year)

• Get personal accident insurance cover (Rupay Variant) of up to ₹2 Lakh

• Air accident insurance covers up to ₹1 Crore

Fuel Surcharge Waiver

• 1% waiver on fuel transactions from ₹400 - ₹4,000

6. RESERV Credit Card

Previously known as the Yes First Exclusive Credit Card, the Reserv Credit Card charges only 2.99% per month on overdue amounts. It offers air miles and instant EMI options for your purchases. This is a good option if you are looking for credit cards in India with the best benefits.

Joining Fee

• ₹2,499 + Taxes, waived off if you spend ₹40,000 on retail within 30 days of card setup

Annual Fee

• ₹2,499 + Taxes, waived off if you spend ₹3 Lakh or more within 12 months before the card renewal date

Eligibility Criteria

• Individuals between the ages of 21 and 60 years

• Salaried or self-employed individuals 

• Customer should have opened an NRE/NRO fixed deposit (“FD”) of ₹10 Lakh or more, with the bank 

• Not holding a Yes Bank credit card beforehand 

Benefits & Features

• 8000 bonus reward points if renewal fee is charged (2nd year onwards)8000 bonus reward points if renewal fee is charged (2nd year onwards)

• Get up to 1.75% markup on foreign currency

• 4 green fee waivers and 1 golf lesson per year at selected Indian golf courses

• 6 complimentary international airport lounge visits per calendar year for the primary cardholder

• 3 complimentary domestic lounge visits every quarter in India for primary cardholders

• 6, 12, and 24 reward points on every ₹200 spent, based on category (Maximum cap of 36000 reward points per statement cycle)

• Credit Shield coverage of up to ₹15 Lakh, Lost Card Liability of ₹15 Lakh to ₹30 Lakh

• Insurance cover of up to ₹50,000 against accidental damage for 6 months for mobile & electronic devices purchased online

• Air accident cover of up to ₹3 Crore for accidental fatalities during air travel

• Medical emergency cover of up to ₹50 Lakh for medical emergencies while traveling 

Fuel Surcharge Waiver

• 1% fuel surcharge waiver between ₹400 and ₹5,000

7. HDFC Bank Regalia Credit Card

The HDFC Regalia Gold Credit Card can get you 5 times reward points for shopping from certain brands. Let’s learn in detail about this high-rated credit card in India -

Joining Fee

• ₹2,500 + Taxes

Annual Fee

• ₹2,500 + Taxes

Eligibility Criteria

• The minimum age requirement is 21

• If you are salaried, your monthly income should be more than ₹1 Lakh (for govt. employees) and more than ₹1.5 Lakh (for non-govt. employees), and you should be within 60 years of age. 

• If you are self-employed, your ITR should be more than ₹12 to ₹18 Lakh p.a., and your age should be within 65

• You should be an Indian citizen and have a good credit score of 750 or higher.

Documents Required

• Proof of identity

• Proof of address

• Proof of income

Benefits & Features 

• Up to 2 complimentary lounge access vouchers every quarter for both primary and add-on cardholders on spending ₹1 Lakh per calendar year

• Apply for a Priority Pass for primary and add-on cardholders after using the credit card 4 times, and get up to 6 complimentary lounge access per year

• Get ₹1,000 cashback on shipping in-app over 200 plus brands

• 5X reward points on flights, hotels, vouchers, etc. via SmartBuy

• 4X reward points on every ₹200 spent on retail

• Get up to 50 days of interest-free credit from the date of purchase

• Accidental death cover worth ₹1 Crore, emergency overseas hospitalization up to ₹15 Lakh, credit liability cover up to ₹9 Lakh

• Markup of 3.5% on all your foreign currency spends 

8. HDFC Infinia Credit Card

The HDFC Infinia Credit Card is a metal card that offers complimentary Club Marriott membership and nights & buffets in select ITC hotels. This is one of the top credit cards in comparison to other cards. 

Joining Fee

• ₹12,500 + Taxes

Annual Fee

• ₹12,500 + Taxes

• Waived off on spending ₹10 Lakh or more in the preceding 12-month period before your renewal date 

Eligibility Criteria

• Invitation only

Benefits & Features

• Earn 5 reward points for every ₹150 spent on retail

• 24*7 global personal concierge

• Unlimited airport lounge access worldwide for primary and add-on members, for both domestic and international airports

• Complimentary Club Marriott membership for the first year

• Buy 1 drink, get a complimentary second drink on Mondays

• 50% off on food bill and 25% off on beverage bills on Tuesdays

• Book a stay for 3 nights & pay for 2 at participating ITC hotels 

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

• 100% green fee waiver at select golf courses worldwide

• Earn up to 10x reward points on Smartbuy spends 

• 1+1 buffet at participating ITC hotels 

• Up to 25% discount on Dining & stay across Asia-Pacific with Complimentary Club Marriott Membership 

• Up to 50% discounts for dining and stay across the Asia-Pacific region

• Accidental air death covers up to ₹3 Crore

• Emergency overseas hospitalisation up to ₹50 Lakh

• Credit shield covers up to ₹9 Lakh

Benefits & Features

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

• Valid for transactions between ₹400 and ₹1,00,000 

9. ICICI Emeralde Private Metal Credit Card

The ICICI Emeralde Private Metal Credit Card is a premium metal card. This card is invite-only and has attractive reward points. You can redeem your reward points both through internet banking and the iMobile Pay app.

Joining Fee

• ₹12,499 + GST

Annual Fee

• ₹12,499 + GST

• Waived off on spending over ₹10 Lakh in the previous year

Eligibility Criteria

• Invite Only

Benefits & Features

• Taj Epicure Plus membership, EazyDiner Prime membership and 12,500 reward points as joining benefits

• Unlimited complimentary golf rounds every month

• Unlimited international and domestic airport lounge access for both primary and plus card members

• Buy one, get one for up to ₹750 off on movie, concert, and event tickets on BookMyShow twice a month

• Get 2 EaseMyTrip vouchers worth up to ₹6,000 on annual spends of ₹8 Lakh

• 24*7 concierge service by calling 18002670731 (Toll Free)

• Air accident insurance cover up to ₹3 Crore

• No cancellation fees for domestic travel or hotel reservations, up to ₹12,000

• Earn 6 reward points for every ₹200 spent

Fuel Surcharge Waiver

• 1% waiver on fuel transactions

• Offer valid on transactions from ₹4,000 to ₹1,00,000 per statement cycle

10. Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card offers cashback on every spend. With this card, you can enjoy discounts on dining and also easily convert your purchases into easy EMIs. This Axis Bank card is one of the Indian credit cards with the best benefits.

Joining Fee

• ₹499

Annual Fee

• ₹499, second year onwards

• Waived off on spending more than ₹2 Lakh in the previous year

Eligibility Criteria

• The individual should be an Indian citizen, resident, or non-resident

• The individual should be between the ages of 18 and 70

• They should have a minimum monthly income of ₹15,000 per month

Documents Required

• Identity & Address proof: PAN card, Aadhaar card, passport, or driver’s license

• Salary slips or income tax returns as proof of income

Features & Benefits

• 5% cashback on utility bill payments, DTH, and mobile recharges

• 4% cashback on Swiggy, Ola, and Zomato

• 1.5% cashback on all other spends

• 4 complimentary access to domestic airport lounges on spending ₹50,000 in the previous 3 months

• Convert transactions above ₹2,500 into EMIs

Fuel Surcharge Waiver

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

• Maximum benefit of up to ₹500

• Valid on fuel purchases between ₹400 and ₹4,000

How to Choose the Right Credit Card?

With so many credit card options available today, it can be challenging to choose the right card for your needs. Here are some tips on picking the right card for you -

• Consider why you want to apply for a credit card and what you will use it for.

• Compare various credit cards based on interest rates, reward points, etc. Many websites have sections where you can compare credit cards to make an informed decision.

• Pay close attention to the fees and charges related to credit cards.

• Consider the credit score requirements to qualify for your chosen credit card, and if you qualify.

• Take the annual income required, and if you are eligible based on that.

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.