Choosing the right credit card can be a daunting task with a plethora of options available nowadays. From spending on travel to buying groceries or other everyday items, using a credit card can help you not only save more but spend smartly. To help you out in making the best decision, here’s the list of the top 10 bestselling credit cards in India based on our research.
|Card Name||Best Suitable For||Joining fee||Annual Fee||Welcome Benefits|
|AXIS Bank Neo Credit Card||Shopping, Dining & Movies||Rs. 250||Rs. 250|
|IDFC First Select Credit Card||Rewards, Travel & Movies||Nil||Nil||Welcome voucher worth Rs. 500 on spending equal to or more than Rs. 15,000 within 90 days of card issuance.|
|SimplyCLICK SBI Card||Movies & Online Shopping||Rs. 499 + taxes||Rs. 499 + taxes||Welcome voucher from Amazon worth Rs. 500.|
|Axis Bank MY ZONE Credit Card||Shopping, Dining & Movies||Rs. 500 and Life Time Free Offer for *select channels||1st Year: Nil 2nd Year onwards: Rs. 500, Lifetime Time Free Offer for *select channels||Complementary SonyLiv Premium annual subscription worth Rs. 999|
|Axis Bank Select Credit Card||Rewards, Travel & Movies||Rs. 3000||Rs. 3000||Complementary SonyLiv Premium annual subscription worth Rs. 999|
|Axis Bank Flipkart Credit Card||Shopping & Rewards||Rs. 500||Rs. 500|
|IndianOil Axis Bank Credit Card||Fuel benefits, Rewards & Movies||Rs. 500||Rs. 500 (Waived off if annual spends more than Rs 2 Lacs)||100% cashback (up to Rs. 250) on transactions across all fuel stations done within 30 days of card issuance.|
|Axis Bank Vistara Credit Card||Travel & Savings||Rs. 1500||Rs. 1500||Get a complimentary one-way economy class base fare waived ticket voucher as a welcome gift.|
|IDFC First Millenia Credit Card||Rewards & Cashbacks||Nil||Nil||Welcome voucher worth Rs. 500 on spending Rs. 15,000 or above within 90 days of card issuance.|
|IDFC First Wealth Credit Card||Airport and Railway Lounge access & Rewards.||Nil||Nil||Welcome voucher worth Rs. 500 on spending equal to or more than Rs. 15,000 within 90 days of card issuance.|
|SBI Card Elite||Travel & Movie||Rs. 4,999 + taxes||Rs. 4,999 + taxes||Welcome e-gift voucher of Rs. 5,000 for spending at premium brands such as Yatra, Marks & Spencer, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.|
|Axis Bank Aura Credit Card||Health & Wellness||Rs. 750||Rs. 750||Decathlon gift voucher worth Rs. 750 for purchases at any Decathlon stores or website|
|HSBC VISA Platinum Credit Card||Travel, Dining & Movies||Nil||Nil||Amazon e-gift voucher valued Rs. 250 on completion of online credit card application and Video KYC|
|IDFC First Classic Credit Card||Rewards & Savings||Nil||Nil||Welcome voucher worth Rs. 500 on spending equal to or more than Rs. 15,000 within 90 days of card issuance.|
|SimplySAVE SBI Credit Card||Dining, Movies, Grocery, & Departmental Store||Rs. 499 + taxes||Rs. 499 + taxes||Get 100 cash back on your first cash withdrawal from the ATM within 30 days of receiving SimplySAVE SBI Card|
|BPCL SBI Credit Card||Fuel, grocery, dining & movies||Rs. 499 + taxes||Rs. 499 + taxes||2,000 Activation Bonus Reward Points.|
|AU Bank LIT Credit Card||Fuel, Rewards, Movies, Lounge access & Cashback||Nil||Nil||Nil|
The trend of owning the best credit card in India has become ingrained in the lifestyle of metropolitan citizens over the past two decades. With the rapid growth of the e-commerce industry, credit card usage has witnessed phenomenal growth. Owning a credit card gives you the freedom to lead the lifestyle of your dreams by providing the flexibility to buy now and pay later.
Credit card companies have been continuously improving their offerings to cardholders by introducing some amazing benefits. This has made it easier for people to use credit cards and take advantage of their benefits. When selecting a credit card, it is important to consider the top credit cards available in the market that offer maximum benefits.
It is a great card for movie buffs and shopaholics. This Axis Bank Credit Card offers excellent shopping, dining and entertainment benefits. This card provides 10% cashback if you use it for booking movie tickets, for any online shopping or even for mobile recharges. You also get additional benefits from some of the top e-commerce sites. For example, Amazon gives you complimentary vouchers of Rs. 250 and Myntra gives an additional 10% discount on every transaction more than Rs. 500. Moreover, Axis Neo card also gives you an option to convert your purchases into EMIs.
Why should you use this card?
AXIS Bank Neo Credit Card offers a couple of shopping, dining and entertainment benefits.
IDFC FIRST Bank Select Credit Card is a credit card that offers premium benefits on top of being lifetime. This card provides superior rewards points, travel perks, and year-round offers with no unnecessary fees and the lowest interest rates. The IDFC FIRST Bank Select Credit Card is an ideal fit for customers looking for evergreen reward points on their online and in-store purchases.
This card is a blessing in disguise for online shoppers as it offers tremendous benefits to people who shop online. This is a one-of-its-kind credit card that gives you 10 times more reward points if you shop through any of their online e-commerce partners like Amazon,
BookMyShow, UrbanClap and Cleartrip. Not only this, but on the other online purchases also, you get 5 times the reward points. Moreover, there is a 1% fuel surcharge waiver too. The annual fee for this card is Rs. 499 + taxes, which is reversed to your credit card account if you spend more than Rs. 1 Lakh per annum using this card.
Why should you use this card?
Simply CLICK SBI Card offers a plethora of benefits when you shop online, this card is best for online shoppers.
The Axis Bank My Zone Credit Card is a popular entry-level credit card that offers a complimentary SonyLiv Premium annual subscription to new cardholders. With every Rs. 200 spent, cardholders can earn up to 4 EDGE Points, and the card provides excellent benefits for dining and entertainment. Additionally, the My Zone Credit Card provides cardholders with complimentary access to domestic airport lounges, making it an excellent choice for frequent travelers seeking a quality entry-level credit card.
The Axis Bank Select Credit Card is a mid-level credit card that offers an extensive range of benefits for its users.
The Flipkart Axis Bank Credit Card offers a high reward rate on purchases made at Flipkart, and other partner merchants such as Swiggy, Uber, PVR, and more. Previously, the Flipkart Axis Bank Credit Card was offered on the MasterCard platform, but Axis Bank has now shifted the card to the Visa network since MasterCard is no longer allowed to onboard new customers.
IndianOil Axis Bank Credit Card is a credit card specially designed to benefit you on every fuel transaction. With this card, you can enjoy accelerated reward points and surcharge waiver at fuel outlets, making it an excellent choice for those who travel frequently. Moreover, this Fuel credit card offers an instant discount on movie tickets booked via Bookmyshow website/app, making it a perfect choice for movie buffs. With these benefits, this credit card is an excellent choice for anyone looking to save money on fuel transactions and enjoy discounted movie tickets.
If you're a frequent flier, the Axis Bank Vistara Credit Card is the perfect choice for you. This credit card offers a range of benefits that are designed to enhance your travel experience. With this card, you can enjoy a complimentary economy class ticket, Club Vistara Membership, and earn CV points on every swipe. Additionally, the more you spend, the more benefits you can unlock, including up to three economy class tickets when you achieve your spend milestones. Overall, the Axis Bank Vistara Credit Card is an excellent choice for anyone looking to maximize their travel experience and enjoy a range of benefits.
IDFC First Millenia credit card is designed for the millennial lifestyle - and it's just as cool as it looks! With its 10X Reward Points, low interest rates, and amazing merchant discounts, this card is perfect for anyone looking for a credit card that truly fits their lifestyle. Plus, with its range of benefits and rewards, this card is sure to stay with you forever. So if you're looking for a credit card that's tailored to your needs and offers a range of exciting rewards and benefits, look no further than this amazing credit card!
With IDFC First Wealth credit card you can unlock a world of travel benefits, evergreen rewards, and exclusive lifestyle perks. With the lowest interest rates in the market, this card offers unbeatable value for money. And with a range of exclusive benefits and rewards, there's no reason to reach for another credit card. So if you're looking for a credit card that can truly enhance your lifestyle and offer a range of exciting benefits, this is just the card for you.
This beautifully designed Credit Card by the State Bank of India (SBI) has so much to offer to Credit Card users. The card provides users with discounts on flight and hotel bookings, complimentary lounge access (international as well as domestic), attractive offers on shopping, dining, and movie ticket bookings. You also get Club Vistara Membership, Trident Privilege Membership, International & Domestic Lounge Program Membership. The card enables you to earn up to 50,000 Bonus Reward Points (worth Rs. 12,500) per year. On spending Rs. 3 Lakhs and 4 Lakhs annually, you earn 10,000 bonus Reward Points.
Why should you use this card?
This credit card is designed specifically to enhance your health and wellness - with a range of amazing benefits that you won't find anywhere else. From free doctor consultations to complimentary fitness sessions, and even a free health checkup, this card is the ultimate tool for anyone looking to stay healthy and fit. And with its range of exclusive perks and benefits, there's no better credit card for anyone looking to prioritize their health and wellness. So if you're looking for a credit card that can truly enhance your life, look no further than this amazing health and wellness credit card.
The HSBC Visa Platinum Credit Card is the perfect entry-level credit card for those looking to enjoy exclusive benefits without any joining or annual fees. As soon as you sign up, you'll be welcomed with a range of amazing perks - including complimentary lounge access, up to Rs. 2,000 in cashback, and a 50% discount on Google Pay. And with its range of other benefits and rewards, this card is the perfect tool for anyone looking to make the most of their credit card. So if you're looking for an entry-level credit card that offers unbeatable value and a range of amazing benefits.
The IDFC First Classic Credit Card is a classic in every sense of the word. This card is not only dependable but also highly rewarding, offering 10X reward points, insurance cover, low interest rates, and great discounts. Moreover, this lifetime free card is designed to provide exceptional value to its customers. Whether you're shopping online or offline, this card is perfect for those who want a dependable credit card that will reward them for their purchases.
SBI SimplySave Credit Card is one of the popular cards for people who want to use one card for multiple uses. You get to earn reward points or save on each of your card transactions ranging from dining, movies, departmental stores, grocery purchases, fuel and much more. Besides, you enjoy the regular benefits of SBI Cards such as Easy Money, Flexi Pay, Balance Transfer on EMI, etc. Furthermore, if you use your SBI card for your regular expenses, you can easily achieve the milestone of Rs. 1 Lakh and reverse the annual fee for next year.
Why use this card?
BPCL SBI Credit Card is a co-branded card of Bharat Petroleum and SBI Cards. The card brings you absolute value back and discounts at fuel refill each month. Besides, you also get rewards on joining and as an anniversary gift. You also earn reward points on shopping, grocery, movies, and dining. You can redeem the reward points for purchasing fuel, BPCL vouchers, or the SBI rewards catalog.
Why use this card?
AU Bank's LIT Credit Card is the first-ever credit card in India that can be customized as per your preferences. You can choose from a range of features that best suits your lifestyle and modify them whenever needed. With this card, you get the flexibility to turn on or off the features and pay only for the ones you have selected. You can manage your card features in real-time while on-the-go, making it easy and hassle-free.
A Credit Card is the easiest way to make transactions in the fast-moving world.Here are some reasons why using Credit Cards is important:
Credit Cards come with various benefits, such as:
Additional Info: Check offers AU Bank Credit Card & apply.
If you are about to purchase your first Credit Card, here are some tips to help you choose the best one for yourself:
Here are some things to consider before applying for a credit card:
Multiple credit cards are available from top Banks in India which offer exclusive benefits such as reward points, air miles, cashback and discounts on shopping, travel & spends. You can choose the best Credit Card as per your requirement.
ICICI Platinum Credit Card, HSBC Visa Platinum Card, SimplyCLICK SBI Card, Axis Bank Neo Credit Card, HDFC Bank Diners Club Card, IndusInd Bank Platinum Credit Card, and SBI Card Elite are the most popular credit cards in India.
There are multiple credit cards available with zero annual fees. ICICI Platinum Credit Card, HSBC Visa Platinum Card, and IndusInd Bank Platinum Credit Card are some of the examples.
Premium credit cards offer maximum benefits on each spend such as Jet Airways American Express Platinum Credit Card, SBI ELITE Visa & Master Card, American Express Platinum Travel Credit Card.
The credit limit directly depends upon the customer’s eligibility like salary, Cibil score etc. However, the credit limit gets increased if you maintain good credit history. Some of the banks such as SBI, American Express, HDFC, ICICI and Axis Bank etc. offer premium credit cards with high credit limit.
If you are a new Credit Card user, you must focus on building your credit history with one or two Credit Cards. Pay off your complete balance each month. Later on you can add on Credit Cards for specific purposes, like a good rewards program, obtaining better travel insurance, and so on.
If you have been using cards for several years, you may add a card to obtain a lower rate of interest or transfer a balance to a zero interest card. However, make sure to keep your debt-to-credit ratio below 30%.
SBI Simply Save Credit Card, SBI Elite Credit Card, IRCTC SBI Platinum Credit Card, are some of the credit cards which are best for salaried employees as it provides exclusive discounts, reward points and cashback on every spends.
Every bank has its own eligibility criteria in term of minimum salary required to obtain a Credit Card, however, most banks need a minimum monthly income of Rs. 25,000.
SBI Card Elite, Yatra SBI Credit Card, HDFC Regalia First Credit Card, American Express Platinum Travel Credit Card, Axis Bank Vistara Infinite Credit Card, and Jet Privilege HDFC Bank Platinum Credit Card are some of the best credit cards available in India that provide complimentary airport lounge access.
Citibank Cash Back Credit Card, SimplyCLICK SBI Card, SBI SimplySAVE Credit Card, Amazon Pay ICICI Credit Card, and Axis Bank Buzz Credit Card are some of the best shopping credit cards available in India.
To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.