10 Best Credit Cards of 2018 in India for Rewards & Cashback

Updated on: 27 Jul 2023 // 22 min read // Credit Cards
Author :(545 posts)

With so many banks offering attractive offers with their credit cards, finding the Best Lifetime Free Credit Card in India is actually a humongous task. If you try to find out the best Credit Card in India, you will actually get thoroughly confused because each offer seems better than the other does! However, fear not, this article is aimed at helping you select the ten best Credit Cards in India and make an informed choice on which one you should be selecting.

Depending on the rewards and offers, here are the ten best Credit Cards you could use:

1. ICICI Instant Platinum Card: 

Overview: This card is best for people who are non-salaried and have a credit score that isn’t that good. The card is very simple to get, and is especially better if you have an account with ICICI bank and a fixed deposit with the bank. The annual fee for this Credit Card is zero!


  • On BookMyShow you can get Rs. 100 off on every two tickets in a month.
  • 15% discount on over 800 restaurants.
  • With a minimum transaction of Rs. 4,000 in HPCL petrol pumps, you can get 2.5% off on fuel surcharge waiver. 

Best Online Credit Cards in India

2. HDFC Bank Diners Club Black Card:

Overview: Considered one of the best rewards Credit Cards in India, you get offers not just as reward points, but also on several benefits in lifestyle, movies, travel, and so on.


  • Book domestic and international tickets, and get 2X reward points.
  • If you are an avid golfer or an enthusiast, you can get golf lessons for free in India and abroad.
  • You can get access in 25 lounges in India and over 650 lounges internationally at the airports.
  • You can get 5 reward points on every Rs. 150 you spend at the retail stores.

3. SBI Simply Click Credit Card: 

Overview: A card that is best suited for an avid online shopper; you can also get this card very easily if you have an account with SBI bank and have a good enough credit score. Among the SBI Credit Cards, this one card offers you a multitude of options. The annual fee for the card is Rs. 499 but if your annual spending is more than Rs. 1 Lakh, your annual fee is waived off.


  • 1% fuel surcharge is waived off every time you spend in between Rs. 1,000-3,000.
  • 10X reward points every time you shop on Myntra, Lenskart, Foodpanda, BookMyShow, UrbanClap, and so on.
  • Take the card and get an Amazon voucher for Rs. 500.

4. Standard Charter Platinum Rewards Card:

Overview: One of the best cards for people who are salaried or have a government job, this card comes without any annual fee and there is no joining fee either!


  • Within 60 days of your purchase, you get 100 reward points.
  • A spending of Rs. 150 and above on fuel and dining grants you 5X reward points.
  • All Uber rides give you a 20% cashback.
  • Online banking with standard charter guarantees your 500 reward points. 

5. Axis Bank Neo Credit Card: 

Overview: This Credit Card is for the movie buff and the shopaholic and offers some of the best benefits in these sectors. You can also earn reward points while purchasing something online in EMI.


  • On BookMyShow, you can earn 10% cashback.
  • 200 vouchers also on BookMyShow.
  • Complimentary vouchers worth Rs. 200 from Jabong.
  • 10% off on every purchase worth Rs. 500 on Myntra.
  • No annual fee to be paid on the first year of the card. 

6. Citibank Premier Miles Credit Card:

Overview: As the name suggests, this card gives you perks and air miles on tickets booked for air travel. These miles can be earned for any airline in the world and with a good number of miles, you can also get a ticket for free on any flight! This card is considered one of the best travel Credit Cards in India. The joining fee is Rs. 3,000.


  • On BookMyShow, you can earn 100 reward points by booking movie tickets.
  • With the various travel partners including Goibibo, Indigo, MakeMyTrip and Yatra.com, you can earn various travel miles.
  • With certain retail partners, Fabindia, Shoppers Stop, and Westside, you can get 100 reward points for every Rs. 30 you spend.

7. Indian Oil Citi Platinum Card: 

Overview: A Credit Card that is especially for you to save on fuel and also earn reward points.


  • You get a fuel surcharge waiver at every Indian Oil petrol pump.
  • If your annual spend is more than Rs. 30,000, you can get your annual fee waived off. 

8. Citi Cashback Card:

Overview: As the name implies, this Credit Card is mainly to give you cashback rewards.


  • A contactless card, you can make purchases of upto Rs. 2,000 with the card without the need to swipe or entering the pin.
  • 5% cashback on movie tickets, phone bills, utility bills, and so on.
  • Dining and shopping benefits at partner merchants.
  • 5% cashback on all purchases.

9. American Express Platinum Credit Card:

Overview: A great card for frequent flyers, this card gives a ton of redeemable travel vouchers for those who use them.


  • If you spend Rs. 1.90 Lakh in a year, you can get travel vouchers worth Rs. 7,700 and more.
  • If your spend is more than Rs. 4 Lakhs, you can get travel vouchers worth more than Rs. 11,000 and vouchers from Taj Hotels and Palaces.
  • Exciting rewards and privileges while booking tickets from sites like MakeMyTrip.com.

10. SBI Air India Signature Credit Card: 

Overview: This Credit Card helps you save money on air tickets and is a good investment for people who have to travel a lot. The mileage that you can earn by using this Credit Card is one of the highest among all travel Credit Cards.


  • Airport lounge access in all domestic airports.
  • 30 reward points on Rs. 100 spent on Air India tickets.
  • 4 reward points on any other spend.

These are the Best Credit Cards in India for rewards and cashback. Make sure you make an informed decision and choose the card that best serves your purpose.

Also Read: How to Avail Maximum Benefits and Cashback on Your Credit Cards?


To apply online for Credit Cards, Secured Loans and Unsecured Loans, visit www.mymoneymantra.com, the leading online lending marketplace that offers financial products from 70+ Banks and NBFCs. We have served 2 million+ happy customers since 1989.

Credit Card