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.

Also Read: Best CashBack Credit Card

Best Credit Card Related Articles

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

Eligibility Criteria: Invitation only

Add-on Card Joining & Annual Fee: Nil

Benefits & Features:

• 10,000 reward points as welcome and renewal rewards upon fee realisation and card activation

• Spend ₹10 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 unlimited airport lounges worldwide for Primary and Add-on members, for both domestic and international airports

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

• Earn up to 10 times reward points on travel and shopping spends on SmartBuy

• 24*7 global personal concierge

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

• Accidental air death covers up to ₹3 Crore

• Emergency overseas hospitalisation up to ₹50 Lakh

• Credit shield covers up to ₹9 Lakh

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

Annual Fee: ₹499, waived off 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.

Add-on Card Joining & Annual Fee: Nil

Features & Benefits:

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

• Enjoy 10 reward points for every ₹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 waiver up to ₹100 on transactions between ₹500 and ₹3,000

• 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.

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 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

• Proof of residence

Add-on Card Joining & Annual Fee: Nil

Features and Benefits:

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

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

• 1% fuel surcharge waiver across India

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

ICICI Emeralde Credit Card

The ICICI Emeralde 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

Add-on Card Joining & Annual Fee: Nil

Benefits & Features:

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

• Unlimited complimentary golf rounds

• 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 covers up to ₹3 Crore

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

• 1% waiver on fuel transactions

• Earn reward points for every ₹200 spent

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 (Nil for select channels, limited time offer)

Annual Fee: ₹499, waived off on spending more than ₹2 Lakh in the previous year

Eligibility Criteria:

• The individual should be a resident of India

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

Documents Required:

• Photocopy of PAN card

• Colour photograph

• Proof of income

• Proof of residence

• Proof of identity

Add-on Card Joining & Annual Fee: Nil

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

• 1% fuel surcharge waiver, up to ₹500, across all fuel stations in India on fuel purchases between ₹400 and ₹4,000

• Get up to 15% off up to ₹500 at 4000+ partner restaurants in India

• Convert transactions above ₹2,500 into EMIs

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)

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

Add-on Card Joining & Annual Fee: Nil

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.

• Complete annual fee waiver on spending ₹8 Lakh in the card anniversary year.

• 10 Axis EDGE points on every ₹200 spent, and 2X per ₹200 spent on retail shopping.

• Earn 2X EDGE reward points up to cumulative transactions of ₹20,000 per month. For transactions above ₹20,000 per month, earn 10 EDGE reward points.

Best Travel Credit Cards in 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 is a credit card comparison between India’s best travel credit cards -

American Express Platinum Credit Card

The American Express Platinum Card is a high-end card. However, the travel variant is a mid-range card that is worth exploring.

Joining Fee: ₹5,000 + GST

Annual Fee: ₹5,000 + GST

Eligibility Criteria: 

• At least 18 years old.

• Having a good credit history and no payment defaults.

• A permanent residential address in India.

• If self-employed, the company should be in business for a minimum of 12 months.

• Annual income of ₹6 Lakh.

• Holding a savings or current account in any Indian or multinational bank.

Add-on Card Joining & Annual Fee: Nil

Benefits & Features:

• Spend ₹1.9 Lakh in a card membership year and get 15,000 membership reward points

• Spend ₹4 Lakhs in a card membership year and get an  additional 25,000 membership rewards

• 8 complimentary visits per year, 2 visits per quarter to domestic airport lounges

• Get a Taj Experiences e-gift card worth ₹10,000 from the Taj, SeleQtions and Vivanta Hotels

• Spend ₹15,000 within 90 days of card membership to get 10,000 membership reward points

• Complimentary membership to Priority Pass 

IDFC FIRST WOW! Credit Card from IDFC Bank

The IDFC WOW! Credit Card is a premium secured credit card. You don’t need to submit any income proof to qualify for this credit card. You can get high credit limits, up to 100% of your FD amount. 

Joining Fee: Nil

Annual Fee: Nil

Eligibility Criteria:

• Should be at least 18 years of age

• Should be an Indian citizen with a permanent address

• Should create an FD of a minimum of ₹20,000 while applying

Add-on Card Joining & Annual Fee: Nil

Benefits & Features:

• 4X reward points on online, offline, and international spends

• 1X reward points on utility and insurance payments

• No Forex mark-up fee

• No interest on ATM cash withdrawal for up to 45 days. Withdraw cash from global ATMs at just ₹199+GST

• No currency exchange hassles

• 6.25% on the FD you make while applying for the card

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

HDFC Bank Diners Club Miles Credit Card

The HDFC Bank Diners Club Miles Credit Card has a range of travel, lounge, and dining benefits. 1 reward point is equivalent to 1.00 AirMile. 

Please note that HDFC is not issuing this card currently, but old cardholders can enjoy the benefits as usual. 

Joining Fee: ₹1,000 + Taxes

Annual Fee: ₹1,000 + Taxes

Eligibility Criteria: 

• The minimum age requirement is 21 years. 

• For salaried employees, the age limit is 60 years, and the minimum income should be ₹30,000 per month. 

• For self-employed individuals, the age limit is 65, and the minimum income should be ₹3.6 Lakh per annum.

Add-on Card Joining & Annual Fee: Nil

Benefits & Features: 

• 6 complimentary lounge accesses per year across 1,000+ lounges across the world

• 15% discounts in premium restaurants and 1400+ dining offers globally

• 4 Reward Points for each ₹150 spent

• Redeem your points for airline tickets and hotel accommodations

• Air accident cover of ₹1 Crore, medical expenses cover up to ₹25 Lakh, credit liability cover of up to ₹9 Lakh

• Travel insurance cover of up to ₹50,000 for baggage delay/loss

• Credit liability cover up to ₹9 Lakh

YES Bank ELITE+ Credit Card

The YES Bank ELITE+ Credit Card, previously known as the Premia Credit Card, gives rewards on movie tickets, airline tickets, and hotel bookings. Let’s learn more about this high-rated credit card -

Joining Fee: ₹999 + Taxes, waived off on retail spends of ₹20,000 within one month of card setup

Annual Fee: ₹999 + Taxes, waived off on total retail spends of ₹2 Lakh in the previous year

Eligibility Criteria:

• Individuals must be between the ages of 21 and 60. 

• Salaried or self-employed individuals with a minimum income of ₹1 Lakh per month or an ITR of ₹9 Lakh per year. 

• Please note that if you already have a YES Bank credit card, you are not eligible for this card.

Add-on Card Joining & Annual Fee: Nil

Benefits & Features: 

• 3 complimentary international airport lounge visits each year

• 2 complimentary domestic airport lounge visits per quarter

• 4, 6, and 12 reward points on every ₹200 spent, depending on the category

• 25% discount on movie tickets booked on BookMyShow

• Preferential foreign currency markup of only 2.75%

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

• Waiver of the Green Fee at 4 instances at select golf courses, 1 complimentary golf lesson every month

• Credit shield cover of ₹3 Lakh, lost card liability of ₹3 Lakh

Club Vistara SBI Card

The Club Vistara SBI Card offers great rewards on travel and fuel. You get 1 economy ticket as a gift when you pay the annual fee. This card can be used for contactless payments and can be used globally, which makes it one of the top credit cards in India in 2026. 

Joining Fee: ₹1,499 + taxes

Annual Fee: Nil

Eligibility Criteria: 

• Indian residents above the age of 18

• Should be salaried or self-employed

• Should have a high credit score

Add-on Card Joining & Annual Fee: Nil

Benefits & Features:

• 3 CV points per ₹200 spent 

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

• Liability coverage for lost cards up to ₹1 Lakh

• Air Accident Coverage up to ₹50 Lakh

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

SBI Platinum Card for IRCTC

The SBI Platinum Card is one of the most affordable credit cards for travel enthusiasts. You get great offers on railway tickets and complimentary railway lounge access as well. You can also transfer the outstanding balance of other credit cards to this card.

It offers many benefits that get it a spot on the credit card comparison list in India.

Joining Fee: ₹500 + Taxes (One Time)

Annual Fee: ₹500

Eligibility Criteria:

• Indian residents between the ages of 21 and 70

• Salaried or self-employed individuals

• Having a good credit score and history

Add-on Card Joining & Annual Fee: Nil

Benefits & Features:

• Get a 350 activation bonus. Reward points for a single transaction of ₹500 or more within 60 days after card issuance (except for fuel and cash spends)

• 500 reward points for paying renewal fees

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

• 1% fuel surcharge waived off on transactions between ₹500 and ₹3,000

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

• Enjoy 4 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

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.