Best Credit Card in India 2026
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 best selling credit cards in India based on our research.
List of Best 20 Credit Cards in India
| Card Name | Best Suitable For | Joining fee | Annual Fee | Welcome Benefits |
|---|---|---|---|---|
| Yes KIWI Credit Card | Cash Back | NIl | NIl |
|
| Scapia Credit Card | Rewards, & Travel | NIl | NIl |
|
| Flipkart SBI Credit Card | Online Shopping & Cash back | NIl | ₹500 + taxes. | Save 12% on Cleartrip, 7.5% on Myntra & 5% on Flipkart. |
| BOBCARD ETERNA Credit Card | Rewards & Lifestyle | NIL | NIl |
|
| HSBC Visa Platinum Credit Card | Rewards, Shopping & Dining | NIL | NiL | 12-month Times Prime subscription, JioHotstar, Uber One. |
| Amazon Pay ICICI Credit Card | Online Shopping | NIL | NIL |
|
| Axis Bank MY ZONE Credit Card | Shopping, Dining & Movies | ₹ 500/- | ₹ 500/- |
|
| Axis Bank Flipkart Credit Card | Shopping & Rewards | Rs. 500 | Rs. 500 |
|
| HDFC Bank Millenia Credit Card | Cashbacks | Rs. 1000 | Rs. 1000 | 5% Cashback on Amazon, Flipkart, Myntra, Tata CLiQ. |
| BPCL SBI Credit Card | Fuel, grocery | Rs. 499 + taxes | Rs. 499 + taxes | 2,000 Activation Bonus Reward Points. |
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.
Features & Benefits of the Best Credit Cards in India from Leading Banks
Features & Benefits of Yes Bank Kiwi Credit Card
Kiwi Credit Card is a lifetime free RuPay UPI-enabled virtual credit card designed for seamless digital payments and offering 1.5% cashback on offline UPI spends and 0.5% on online transactions.
- Joining Fee: Nil
- Annual Fee: Nil
- Welcome Benefit: Up to ₹100 cashback on first eligible transactio
- 0.5% cashback on all online transactions.
- 1.5% cashback on all scan and pay transactions & get up to 5% cashback for Neon customers.
- 5% cashback on UPI transactions after achieving annual milestone spends of Rs. 1.5 Lakhs.
- Enjoy 1 free lounge access at milestones of Rs. 50,000, Rs. 1 Lakh, and Rs. 1.5 Lakhs in yearly spending.
Kiwi credit card offers additional discounts with partner brands in food, entertainment, travel & shopping.
- Flipkart: 0.85% cashback on voucher purchases
- Amazon: 0.9% cashback on vouchers
- Zomato: 1% cashback
- JioMart, BigBasket, Uber: 2% cashback
- MakeMyTrip (MMT): 5% cashback
- Domino’s: 10% cashback
Features & Benefits of Scapia Credit Card
Scapia Credit Card, co-issued by Federal Bank, is a lifetime-free travel credit card designed for frequent travelers who value rewards and convenience.
You can get the card in just minutes through a fully digital onboarding process on the Scapia app - your virtual card activates instantly, and your physical card is delivered within 2 - 5 days. Along with this, the complimentary RuPay Credit Card adds extra value with 5% rewards on all UPI and RuPay spends of ₹500 or more, giving you additional savings on everyday transactions.
With Scapia, you earn 20% Scapia Coins on travel bookings made through the Scapia App and 10% Scapia Coins on all other spends, ensuring you’re rewarded every time you use the card.
- Joining Fee: Nil
- Annual Fee: Nil
- 20% Scapia coins on travel bookings made through the Scapia app
- 10% Scapia coins on all your card spends
- 5% cashback on all your RuPay and UPI spends of Rs. 500 or more
- Zero forex markup fee
- Use Scapia coins for travel booking on the Scapia app for 5 Scapia coins = ₹1
- Unlimited domestic lounge access on a combined monthly spend of Rs. 20,000
Features & Benefits of Amazon Pay Credit Card
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.
- Joining Fee - Rs. 500 and Life Time Free Offer for *select channels
- Annual Fee - 1st Year: Nil 2nd Year onwards: Rs. 500, Lifetime Time Free Offer for *select channels
- 4 Complimentary Airport Lounge Access
- Buy 1 get 1 Free Movie ticket on Paytm
- SonyLiv Premium 1 year subscription worth Rs. 999
- 40% Off on Swiggy up to Rs. 480 per month
- Get flat Rs.600 off on AJIO, four times in a year
Features & Benefits of Flipkart Axis Bank Credit Card
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.
- Joining Fee - Rs. 500
- Annual Fee - Rs. 500
- Voucher worth Rs. 500 from Flipkart on the first transaction
- 15 months Ganna subscription at a discounted rate of Rs. 399
- 20% off up to Rs. 500 off on The Phy Life
- 20% off up to Rs. 500 off on Plum Goodness
- 5% cashback on Flipkart
- 4% cashback on transactions made with preferred merchants like Swiggy, Uber, PVR
- 1.5% cashback on all other categories
- You get four complimentary lounge visits every calendar year to partner airports within India.
- 1% fuel surcharge waiver (on transactions between Rs. 400 - Rs. 4000) at all fuel stations across India; maximum benefits up to Rs. 500 per month.
- 20% off at partner restaurants across India
- Option to convert every purchase of Rs. 2500 and above on Flipkart into easy EMIs.
Features & Benefits of HDFC Millenia Credit Card
If you are looking for a credit card that offers cashback on each transaction, domestic airport lounge access and attractive welcome and renewal benefits, HDFC Millennia credit card are just for you. Apart from lucrative cashback offers, you also get Rs. 1,000 worth of gift vouchers on spending Rs. 1 Lakh or more in each calendar quarter. Also, you can waive the joining and renewal membership fee of Rs. 1,000 + applicable taxes on spending Rs. 1,00,000 or more in a year with your Millennia credit card.
- Joining Fee - Rs 1000
- Annual Fee - Rs. 1000
- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
- ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
- Upto 20% discount on partner restaurants via Swiggy Dineout
- Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card from the date of purchase
- 1% fuel surcharge waiver at all fuel stations across India
- Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year.
- Convert your big spends into EMI after purchase
- The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
Features & Benefits of IDFC First Millenia credit card
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!
- Joining fee - Nil
- Annual fee - Nil
- Welcome voucher worth Rs. 500 on spending Rs. 15,000 or above within 90 days of card issuance.
- 5% cashback (maximum up to Rs. 1,000) on the transaction value of first EMI done within 90 days of the card generation.
- 10X reward points on incremental spends of more than Rs. 20,000 per month and also on spends done on your birthday.
- 6X reward points on online purchases for spends up to Rs. 20,000 per month.
- 3X reward points on offline purchases for spends up to Rs. 20,000 per month.
- 4 complimentary railway lounge visits each quarter.
- Complimentary Roadside Assistance worth Rs. 1,399
- Personal Accident Cover worth Rs. 2,00,000 and Lost Card Liability Cover worth Rs. 25,000. Offer valid on doing at least one transaction with FIRST Millennia Credit Card within the last 30 days.
- 25% discount (up to Rs. 100) on booking movie tickets on Paytm mobile app (valid once per month).
- Up to 20% discount at more than 1500 restaurants.
- Up to 15% discount at over 3000 Health & Wellness outlets.
- Convert all your transactions above Rs. 2,500 into easy Equated Monthly Instalments (EMIs) from your mobile app.
- Instant EMI conversion of all online transactions above Rs. 2,500 on the IDFC FIRST Bank’s OTP page.
- Transfer balances from your other bank credit cards conveniently with IDFC’s balance transfer privilege.
- Convert your outstanding balance into easy EMIs with flexible tenure of 3 to 18 months.
- 1% fuel surcharge waiver at all fuel stations across India. Benefits available up to Rs. 200 per month
Features & Benefits of HSBC VISA Platinum Credit 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.
- No joining and annual fee.
- Amazon gift voucher worth Rs. 500.
- 3 complimentary airport lounge access/meal vouchers as a welcome benefit.
- 50% discount on your first transaction on Google Pay.
- 5x reward points on crossing annual spending of Rs. 4,00,000.
- 2 reward points on every other Rs. 150 spent on this card.
- Buy 1 get 1 offer on booking movie tickets through BookMyShow.
- 15% instant discount on selected products on Tata Cliq.
- Up to Rs. 1,000 cashback every year on achieving the milestone spend.
- 1% fuel surcharge waiver.
Features & Benefits of BPCL SBI Credit 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.
- Joining Fee - Rs. 499 + Taxes
- Annual Fee - Rs. 499 +Taxes
- 2,000 Activation Bonus Reward Points worth Rs. 500. The points can be instantly redeemed for fuel at BPCL outlets, or BPCL Vouchers or SBI Shop n Smile rewards catalog.
- 4.25% value back on fuel purchase at BPCL petrol pumps. Maximum 1300 reward points per billing cycle.
- 3.25% + 1% fuel surcharge waiver for each transaction up to Rs. 4,000.
- 5X Reward points on spending every Rs. 100 at Groceries, Departmental stores, Movies & Dining.
- 1 reward point on sending per Rs. 100 on all other non-fuel retail purchases.
Why use this card?
- 13X rewards points on fuel purchase and 5X rewards on grocery, dining and movies.
- 1 reward per Rs. 100 spent on non-fuel transactions.
- Convert any purchase of Rs. 2,500 or more into EMIs.
Benefits of Having the Best Credit Card
Credit Cards come with various benefits, such as:
- Credit Cards comes with cashback offers, discounts, and other lucrative schemes
- Some Credit Cards come with insurance benefits as well
- Co-branded Credit Cards provide you various privileges and benefits on shopping through their partner associates.
- You can earn reward points on your transactions done through cards, which can be redeemed for further transactions
Choose the Best Credit Card for Yourself
If you are about to purchase your first Credit Card, here are some tips to help you choose the best one for yourself:
- Decide why you need a Credit Card and for which purpose. Maximising rewards that can be earned by using your card is a smart move. Look at your spending habits and find a card that matches them. There are many cards that offer bonus reward points for certain purchases. For example, if you travel frequently through flights, get a card that comes with a frequent flyer program (FFP).If you travel mostly by car, you can opt for a credit card that gives rewards and cashback on fuel purchase. Analyse your requirement and prepare the list of best credit cards under that category.
- If you think you will carry a balance, go for a card that has low interest rate
- Look for the joining fee, renewal fee, and other charges associated with card. Choose the one that is affordable as per your monthly income.
- Consider the type of rewards that are most useful for you.
- Look for the cashback, maximum value for reward points, discounts, fuel surcharge waiver, and other benefits beforing finalising the card.
- Research the card that is right for you, on the basis of your spending habits, required credit limit, and monthly income.
- Shortlist top 10 Credit Cards in India and compare offers, terms, and annual fee of each of them and choose what suits you the best.
- Know about the eligibility criteria of the best credit cards shortlisted by you before applying, like, Credit Score, age, income, and other requirements.
- Apply for the card. You can apply online through MyMoneyMantra or the official website of the credit card provider.
Key Factors to Consider Before Applying for a New Credit Card
Here are some things to consider before applying for a credit card:
- Your credit score: Your credit score is an important factor in determining whether you will be approved for a credit card and what interest rate you will be offered. If you have a low credit score, you may want to work on improving it before applying for a credit card.
- Your income: Credit card issuers will consider your income when deciding whether to approve your application and how much credit to offer you. Make sure you have a steady income to support your credit card usage.
- Annual fees: Some credit cards come with an annual fee. Make sure you understand how much the annual fee is and whether the benefits of the card justify the cost.
- Interest rates: The interest rate on a credit card can vary widely. Look for cards with low interest rates, especially if you plan to carry a balance.
- Rewards and benefits: Consider the rewards and benefits offered by the card, such as cashback, points, miles, or other perks. Choose a card with rewards that fit your spending habits and lifestyle.
- Credit card issuer: Consider the reputation of the credit card issuer, including customer service, fraud protection, and any fees or penalties associated with the card.
- Credit card terms and conditions: Make sure you understand the terms and conditions of the credit card, including any fees, penalties, or restrictions on the use of the card.
FAQs
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.
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:
- They provide convenience as you don’t have to carry cash everywhere you go
- They provide you an opportunity to build your credit
- They are safe to use as they come with protection against fraud and theft
- They are a form of credit or loan which can be used when you need immediate funds and lack money in your bank account or pocket. You can shop today and pay later with them.
- They are universally accepted unlike cash.
Reshma Rawat is a passionate writer with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra and writes blogs & webpages on financial products (loans, credit cards, insurance, government financial policies, mutual funds, etc.).
Abhijeet Singh has comprehensive experience in business writing, content management, SEO, social media and user analytics. Key areas of expertise include stock markets and personal finance.