27 Best Credit Cards In India: Reviews
I am a credit score card freak. I regularly do studies on credit playing cards and preserve an eye at the high-quality available credit cards in India.
Many human beings avoid credit cards because they experience that they’ll spend extra in the event that they start the use of one. But you’ll be amazed by way of the cash saving potential and advantages that a few credit score cards offer.
I am positive after reading this article you will be satisfied of the want to apply for atleast one of the cited credit playing cards.
Most Important Point First: Always apply for a credit score card immediately from the financial institution internet site. Don’t follow from the online market vicinity (XYZ-Bazaar) or telecaller, they may hold calling you to sell their other products.
Your economic records and files are not secure with them.
I will assist you pick out the proper card for your wishes. You can ask your questions inside the feedback.
Honest Disclaimer: Some of the hyperlinks in this newsletter are received in partnership with banking networks. You can be redirected to the financial institution’s website. I may earn a small referral income if your credit score card gets authorised (at no extra value to you). My motive is to provide you with actual records so you can get fast approval of the great credit score card
I interact with plenty of humans, who ask me for recommendation on applying for a credit score card.
The first class is first time candidates, who need an all-rounder credit card due to the fact either they have just began a brand new task or are working in a government agency.
The 2nd class of individuals who need to use for a 2d credit score card, to avail advantages on shopping, gasoline and tour.
The 1/3 and ultimate category of human beings need to apply for top rate credit score cards even though that means annual charges of 5000 rupees or greater.
Then Apply for three Credit Cards
Standard Chartered Manhattan for 5% cashback on grocery shops
Amex Membership Reward for bonus points, loading money to Paytm and redeeming points for Amazon vouchers & resort vouchers
Amex Travel Platinum for Travel advantages
For gasoline benefits, go along with SC Super Value Titanium (5% cashback)
Continue reading the item till the cease.
Best Lifetime Free Credit Card in India 2022
1. Standard Chartered Platinum Rewards Credit Card
(Note: Application hyperlink can also say becoming a member of charges of Rs. 250 but with a purpose to be waived off while you use your credit card inside first 90 days – Actually it’s ZERO Annual fees but they fee so you use the cardboard after approval)
Personally, my favored credit score card is Standard Chartered Manhattan Credit Card for month-to-month grocery purchasing (Reviewed at #3) however Platinum is satisfactory if you are applying for the primary time and searching out a No Annual Fees credit card for lifestyles.
If you already have your first credit score card from any bank, then skip to the Review of Manhattan Credit Card.
You have a excessive chance of approval of Platinum card if you are a salaried employee. You can request for an improve to Manhattan card whenever you want inside the destiny (approval based to your earnings & credit card usage)
Salaried individuals who need to very own all rounder credit score card.
(Approval fee is right when you have a income of Rs. 25,000 consistent with month from Private or Government activity)
Easy acclaim for salaried human beings
Get a further one thousand rewards points in case you transact inside 60 days
Bonus 500 points for registering for online banking
20% cashback on Uber rides
five points on spending 150 rupees on eating
5 points on spending 150 on fuel
1 reward points on spending one hundred fifty on any other class
Additional discounts & offers from Ola, Uber, Grofers, Yatra, that keep on converting with time
…but there are some extra selections for you.
Annual fees or joining charges
250 joining expenses however waived off with the first transaction inside ninety days
Next yr costs waived off when you spend Rs. 30,000 within the first 12 months
Wait for the approval of your Platinum card and follow in your 2nd credit card after 6 months.
Best Credit Card For Salaried Person in 2022
2. Standard Chartered Manhattan Credit Card
Standard chartered Manhattan Review
As you may see, I got Standard Chartered Manhattan card authorised in 2007.
It was my all time favourite card. I spent nearly ninety% of my charges until I got approved for top class credit cards like Amex Platinum Travel and HDFC Regalia.
You can save loads of cash via cashback and reward factors the use of Manhattan credit score card.
This is the most effective card that gives five% coins back to your grocery spends on supermarkets
Annual rate: Rs. 999 (but you may get it waived off with 1.2L annual spending)
Don’t worry approximately the annual costs, I get that waived off every year. It’s the Best credit score card for Salaried humans if can spend greater than 1.2L consistent with year.
5% coins back on credit card expenditure at supermarkets & department stores
3x rewards while you use your credit card everywhere
You can earn up to Rs. 500 as cashback each month and Rs. One hundred fifty in keeping with transaction.
You can effortlessly earn 6000 rupees each 12 months (3000 in cashback and 3000 after redeeming factors).
Best Credit Card for Fuel and Utility Bills 2022
You can get fuel advantages on following credit cards
Citi IOC Credit Card
SC Titanium Card
ICICI HPCL Coral Card
HDFC Bharat CashBack
RBL Platinum Maxima
three. Standard Chartered Super Value Titanium
I am choosing SC Titanium because you’ll get 5% cashback on gasoline and utility bills.
Suitable card, in case you are a first-time credit card applicant and maximum of your month-to-month fees are on fuel, smartphone and utility payments.
Annual Fees – 750 rupees (Waived off in case you spend 60,000 in the first year)
First-12 months costs also can be waived off whilst you use the card inside ninety days of approval.
You must apply for this credit card if your monthly rate is at least 5,000 rupees (12*5K = 60K consistent with yr).
Benefits of SVT Credit Card
five% cashback on fuels
5% cashback on cellphone bills
5% cashback on utility bills
four. Citibank IOC Fuel Credit Card
Citibank has collaboration with Indian Oil Petrol pumps. You can earn Turbo points when you pay using IOC credit score card on Indian Oil retailers.
Not at all useful if you fill up the gasoline tank from HP or Bharat petrol pumps.
Annual Fees – Rs. A thousand (Waived off when you spend 30,000 consistent with 12 months)
Benefits of Citibank IOC Card
four Turbo Points on spending Rs. 150 on Indian Oil Pumps
2 Turbo factors on spending in Supermarkets
1 Turbo factors on spending a hundred and fifty some other place
1% fuel surcharge waiver
1 Turbo Point = 1 Rs. Fuel
Best Credit Card For Online Shopping in 2022
Almost all credit score cards and banks hold imparting a few discounts on on-line purchasing. But that is the list of the credit playing cards that are designed to get big gives and discounts online.
ICICI Amazon Pay Credit Card
SBI SimilyClick Credit Card
SBI SimplySave Credit Card
Amex Rewards Membership Card
Standard Chartered Manhattan
Standard Chartered Ultimate
HDFC Diner Black
five. ICICI Amazon Pay Credit Card
ICICI Amazon Pay credit card made the pinnacle of the list in our series of on line shopping credit score playing cards. Amazon launched this credit score card in 2018 to offer greater blessings to Prime customers.
Application Process – The trouble is that you cannot follow without delay for this credit card. You would see an invitation internal your Amazon Mobile App and acquire an e-mail from Amazon.
Make positive you add your current ICICI credit score card into Amazon account to get the invite. If you don’t have ICICI credit card then practice for lifetime unfastened Platinum Credit Card.
Annual Fees – NIL
Benefits of Amazon Pay Credit Card
5% coins returned on Amazon.In for Amazon Prime customers
3% coins lower back on Amazon.In for non-high clients
2% coins again when paying to traders using this card on Amazon Pay as a charge approach
1% cash back on all other bills
1% gas surcharge waiver
6. American Express Membership Rewards® Credit Card
American Express is the handiest credit card that gives rewards on including cash to wallets like Paytm, Amazon Pay and Freecharge. I earn 1,000 Bonus Membership Rewards Points each month via doing four transactions of 1000 rupees.
Amex degraded the advantages in their Gold rate card after they launched Membership Rewards Card in 2018. I dropped Amex Gold card from our advice listing.
Annual rate: First Year Rs. A thousand (Second 12 months onwards Rs. 4500)
Note: Annual fees is waived off whilst you follow using the beneath hyperlink, additionally earn 2000 bonus points.
2000 referral bonus points when you observe the usage of the above link.
One thousand Bonus factors for the usage of your Card 4 times each month.
Earn 1 MR point on Rs.50 spent on all spends except for spending
Credit Card Expert Tip
Load 4000 rupees into your Paytm, Freecharge and AmazonPay pockets to earn one thousand bonus points (worth Rs. 400)
Pay the use of wallets anywhere viable on the online buying
You could keep the money two times in case you discover a cope with wallets.
No rewards on Fuel, Insurance, Utilities and Cash Transactions.
I applied for this card and got authorised in 2016. I am loving the blessings to this point.
(Best, in case you already have any other cashback credit score card. Use it for incomes a thousand bonus factors really worth four hundred rupees each month)
7. SBI Simply Click Credit Card
SBI in reality click on credit score card
It’s difficult to get the approval of SBI Credit cards. But If you get your earnings in SBI bank account then approval becomes clean.
Simply click card gives you direct 10x rewards while buying on Amazon, Flipkart, Makemytrip, Cleartrip and plenty of extra providers.
Annual fee: 499 (waived off through spending a hundred,000 in 365 days)
Bonus: Rs 500 voucher from Amazon
Not for first-time applicants – You need to have an top notch credit records for getting the approval of this card
10X rewards on on-line spends – Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / Zoomcar
Earn 5X rewards on all different on-line purchasing
A welcome e-gift voucher really worth Rs 500 from Amazon
1% gas surcharge waiver (on 500+ transaction quantity)
Cleartrip e-voucher really worth Rs.2,000 on annual on-line spends of Rs. 1 Lakh (one more 2000 e-voucher on every other 1Lakh milestone)
8. Citi Bank Cashback Credit Card
Best for you in case you watch films and pay your payments on-line.
Annual price: Rs.500
I hate their application method because it’s very hard to refill information in the online shape. I don’t recognize why don’t they make the software smooth like different banks.
5% cash back on movie tickets
five% coins returned on phone bill payments
five% cash lower back on Utility Bill Payments
0.Five% Cash Back on all other spends
You have to have extraordinary Credit History before applying.
Eighty% Citibank card applications decline because people do now not have a credit score records.
The on-line shape is complicated and lengthy, be patient and fill the information.
9. ICICI Instant Platinum Card
Apply for ICICI Platinum card if you get denied for Standard Chartered Platinum.
It is not clean to get your first credit card in India. ICICI bank gives you instant credit score card towards fixed deposit when you have a saving account with ICICI bank. You can surely go online to ICICI online banking and apply for the card.
If you fear in your CIBIL score just because you want to use for a credit score card, you need to attempt ICICI Instant Platinum Credit Card.
Annual rate: 199 rupees (waiver on spending Rs. 2000 within 60 days of approval)
Who need to follow?
ICICI credit card is a great alternative for Students, Housewives and Non-Salary human beings if they need to use for credit score card in opposition to a Fixed Deposit.
2 payback points for every Rs. 100 spent
1 payback point for every a hundred rupees on coverage & utilities
Get ₹ one hundred off on movie tickets twice a month.
1% gasoline surcharge waiver may be availed on gas transaction of maximum ₹ 4,000 at HPCL pumps.
ICICI bank will offer you a credit score restriction based totally on the amount you preserve inside the constant deposit. You will earn regular interest on your constant deposit. The bank just wants to secure itself towards the risk of fraud by using the first-time credit score card consumer.
10. HDFC Moneyback Credit Card
I am listing cash again credit card from HDFC because it’s the primary credit score card that you may apply as a first-time applicant.
Let me quickly let you know the blessings
four reward points in line with Rs 150 for online shopping
2 reward points per Rs one hundred fifty for somewhere else
1% gas surcharge waived off (above four hundred rupees transaction)
The handiest cause for adding this credit score card inside the great credit score list is the approval rate. You can get the cardboard authorized against the Fixed deposit or if you have a salary extra than 25,000 according to month.
eleven. Axis Buzz Credit card
If you are existing client of Axis financial institution then get this card for online shopping. Low annual fees and high-quality benefits on Flipkart.
Annual Fees – 750 Rupees
10% immediately cut price on Flipkart from 1 to 5th of each month
5% immediate bargain on Flipkart from 6 to 31st of every month
2 axis eDGE praise points on each Rs two hundred spent
6 axis eDGE praise factors on online purchasing
make three transactions and get Flipkart voucher really worth Rs 1000 within first 45 days of card setup
12. IndusInd Iconia
IndusInd has only one credit card well worth preserving. You can check with the bank to lessen the prices primarily based for your dating.
Annual Fees – One time costs of Rs. 10,000 (you may negotiate)
2 Reward Points for every Rs. A hundred spent on weekends
1.Five reward factors for every Rs. One hundred spent on weekdays
1% Fuel surcharge waiver
2 complimentary lounge get admission to per quarter
200 off on film tickets in step with month on BookMyShow
thirteen. RBL Platinum Maxima Credit Card
RBL financial institution also offers right reductions on on-line buying.
Annual Fees – Rs. 2000
10 Reward Points for each Rs.100 (dining, entertainment, utility invoice payments, gas and worldwide)
2 Reward Points for every Rs.One hundred spent some other place
unfastened film ticket unfastened up to Rs. 200 from BookMyShow
2 complimentary visits every calendar area at domestic lounges
Best Credit Card For Travel Benefits in India 2022
Now I am listing top class & notable-top rate credit cards which are not easy to get approved without having a outstanding CIBIL rating and credit score records.
Note – You can leap to the cease of the article if you are a primary-time credit card applicant.Keep reading approximately top rate credit score playing cards in case you need to apply for a 2nd or 1/3 credit card.
15. Citibank Premiermiles Card
There are great credit score cards for tour – Citibank PremierMiles and Amex Platinum Travel. You can not pass incorrect with both. Apply for both if you can come up with the money for the yearly expenses. You can redeem miles for any companion airline, means you don’t should stay with a single airline.
Best for people who have 2-3L of annual spend on tour.
Annual price: Rs.3,000
Get ten thousand Miles on activation.
Earn 10 Miles for each 100 spent on airways.
Earn 10 Miles in step with Rs.A hundred spent with on line accomplice merchants.
Earn 4 Miles for each one hundred of all different spends
Note: a hundred Miles = Rs. Forty five with preferred companions (four.5% well worth advantages)
sixteen. American Express Platinum Travel Credit Card
American Express Platinum Travel Card offers extremely good advantages for common vacationers (like vouchers from Indigo and Taj)
Annual rate: First Year Rs. 3500 (Second 12 months onwards 5,000 Rs.)
Welcome gift of five,000 Milestone Bonus Membership Rewards Points redeemable for Spicejet Vouchers well worth Rs. 4000.
Spend Rs. 1.Ninety lacs in a 12 months and get Spicejet Vouchers really worth extra than Rs. 7,700.
Spend Rs. 4 lacs in a yr to get Spicejet Vouchers worth greater than Rs. 11,800. Also, get a voucher really worth Rs. 10,000 from the Taj Group.
1 complimentary visit to domestic lounges in India
Go for this credit card in case your annual charges are extra than 2 lakh.
17. ICICI JetAirways Saphiro Credit Card
ICICI has two variations of Saphiro Credit Card, you ought to get JetAirways Saphiro in case you tour frequently by way of Jet Airways.
Annual Fees: Rs. 5000
12,500 JP bonus miles
Jet Airways Economy Class base fare waived off domestic air price ticket
zero JPMiles/₹100 spent on the card
five% discount on base fare whilst the ticket is booked immediately from JetAirways
devoted test-in for pick out domestic flights of Jet Airways
Complimentary Excess Baggage Allowance of 10 Kgs in Première and 5 Kgs in Economy
1% gasoline surcharge waived off
4 complimentary rounds/ lessons of golfing each month
Buy one ticket and arise to Rs 500 off on the second one price ticket, two times every month, through BookMyShow
2 international airport living room visits and 2 spa classes at selected airports in India every year, through complimentary DragonPass membership
18. Kotal Royal Signature Credit Card
Kotak got here up with a top class card that has low annual charges yet effective for use for tour.
Annual Fees – Rs. 999 most effective
4X reward factors on each Rs. One hundred fifty Airlines and Air Carriers some other place
2 Complimentary get admission to to Airport Lounges every zone in India
Fuel surcharge waiver on transactions above Rs. 500
Railway surcharge waiver for transactions on www.Irctc.Co.In
Premium Credit Cards in India 2022
19. HDFC Regalia Credit Card
Regalia changed into exquisite top class credit card some years back but HDFC accepted Regalia for each & each client. Last yr they degraded the advantages of Regalia however it still falls beneath the premium credit score card category.
Annual Fees – Rs. 2500
4 Reward Points on each Rs. A hundred and fifty spent
2% Foreign Currency Mark-up Fee
12 complimentary home living room get entry to consistent with 12 months
15 lakhs health insurance for international journey
20. SBI Prime Credit Card
Watch this video evaluation.
Annual Fees – Rs. 2999
20 Reward Points in line with Rs. One hundred spent on status commands of Utility Bills bills
15 Reward Points in line with Rs. 100 spent on BigBasket
10 Reward Points consistent with Rs.One hundred spent on Dining, Groceries, Departmental shops and Movies
2 Reward Points according to Rs. A hundred on all different retail spends
1% gas surcharge at any petrol pump
4 complimentary visits in line with 12 months to International Priority Pass Lounges
8 complimentary visits per 12 months to Domestic VISA/Mastercard Lounges
Get Pizza Hut e-Voucher really worth Rs. 1,000 on attaining spends of Rs. 50,000 in a calendar quarter
E-Gift Voucher well worth Rs. 7,000 from Yatra.Com/Pantaloons on accomplishing annual spends of Rs. Five Lakhs
21. Yesbank Preferred Credit Card
The praise ratio of yes financial institution desired card is very good. The unfastened front room get entry to (domestic and worldwide) makes the once a year fees well worth for the credit card.
Annual Fees – Rs. 2500
8 Reward Points on each INR a hundred Retail Spends
1.Seventy five% Foreign Currency Markup
1% fuel surcharge at any petrol pump
Domestic Lounge get entry to (3 visits per zone)
4 complimentary global lounge access through priority bypass
Super Premium Credit Cards in India
22. HDFC Diner Black Credit Card
This is the fantastic top rate credit score card in India that you must have to your pocket. You might get a huge 33% cashback when you spend on their 10x partners.
For rest of the spending you will get 3.3% cashback really worth of rewards.
Annual Fees – Rs. 10,000 (second yr onwards Rs. 5000)
five Reward Points for each Rs. One hundred fifty
2% Foreign Currency Mark-up Fee
Air Accident Cover of INR 1 Crore
Emergency Medical Expenses Cover of up to INR 25 Lakh
Travel Insurance Cover of as much as INR 50,000 on bags postpone/loss
Unlimited Airport lounge access to seven-hundred+ Lounges in India and global
6 Complimentary Golf games (Green charge waiver) consistent with sector
23. SBI Signature Credit Card (Elite)
SBI Signature Card comes with a bunch of gives from the online shopping portals with respectable bonus reward points.
Annual charge: Rs. 4999 (+Welcome Gifts well worth four,999)
10 points according to Rs.100 spent on Dining, Departmental shops, Grocery & International Spends
2 points in step with Rs.100 spent on others.
Earn 10,000 bonus Reward Points on accomplishing annual spends of Rs. 2 lakhs, 3 lakhs and four lakhs
Earn 20,000 bonus Reward Points on crossing annual spends of Rs. Five lakhs.
1 Reward Point = Rs. 0.25.
24. Standard Chartered Ultimate Credit Card
I applied for this credit card the instant it become launched in 2018. Got the cashback of 10,000 after booking my tickets from MakeMyTrip, that protected the value of annual fees for two years.
Annual Fees – Rs. 5000
10,000 cashback on tickets booked through MakeMyTrip (One time gain)
five praise factors on each INR 150 spent
5% cashback on obligation loose stores, max 1000 in step with month
2% foreign forex markup
2 complimentary golf games consistent with month
1 complimentary lounge get entry to consistent with month
25. Yesbank Exclusive Preferred Credit Card
This is a excessive-quit card from YesBank for his or her top class customers.
Annual Fees – Rs. 10,000
A welcome privilege of 50000 Reward Points
10 Reward Points on every INR a hundred Retail Spends
Complimentary TAJ InnerCircle Epicure Membership
Unlimited Complimentary Lounge Visits through Priority Pass
One complimentary Golf Lesson each month
1.75% forex markup
26. ICICI Emerald Credit Card
ICICI launched their high-cease extraordinary-premium credit card in Jan 2019.
Annual Fees – Rs. 12,000
4 PAYBACK Points on each ₹a hundred spent
Unlimited Lounge Access, Unlimited Spa Access at Airports
Vouchers from Trident and Da Milano
Zero Cancellation Charges for Travel
1.5% Forex Markup Fee
This qualifies for a need to-to-have card for common travellers.
Who is the winner?
I consider and love Standard Chartered Manhattan card that is my preferred for ultimate eight years. I make greater than 20,000 cashback and get annual prices waived off each 12 months.
If you’re first time applicant and searching out existence time unfastened card, then observe for Standard Chartered Platinum Credit Card.
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