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9 Best Credit Cards You Should Own in 2022

Updated on: 22 Apr 2022 // 27 min read // Credit Cards
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Being an ardent Credit Card user, you should be aware of all the best Credit Cards available for you in the market.  

 Best Credit Cards in India in 2022

Credit CardAnnual FeeRenewal FeeKey Benefits
Citibank Cashback Credit Card5005005% cashback on movie tickets, telephone and utility bill payments.
American Express Gold Card1,0004,5004,000 bonus membership rewards points.
1000 bonus membership reward points for using the card 6 times in a month.
Up to 20% off on payments at partner restaurants.
5000 membership reward points on card renewal in the second year.
SBI Simply Click Credit Card499499E-voucher from Amazon worth 500 as a welcome gift.
E-voucher from Cleartrip worth 2,000 on making annual spends of 1 Lakh online.
E-voucher of 2000 on achieving another 1 Lakh milestone.
Amex Platinum Travel Credit Card3,5005,0005,000 bonus membership reward points for booking flights through IndiGo.
IndiGo Vouchers of 7,700 and above on spending 1.90 Lakhs in a year.
IndiGo Vouchers worth 11,800 and more on spending 4 Lakhs in a year.
Voucher from the Taj Group worth 10,000.
Citibank Premiermiles Credit Card3,0003,00010,000 miles on card activation.
10 Miles on every 100 spent on airlines, online partners and on all other expenses.
100 miles worth 45 on making a purchase with preferred partners.
SBI Signature Elite Credit Card4,9994,999Welcome gift worth 5,000.
Annual benefits worth 30,000.
2 free movie tickets on booking made at BookMyShow every month.
10,000 reward points on spending 2 Lakhs, 3 Lakhs, and 4 Lakhs annually.
20,000 reward points on spending 5 Lakhs and above annually.

As per your needs and usage, you can opt for one of the Credit Cards from the given list of top 9 best Credit Cards offered by some reputed Indian banks and Credit Card Issuers.

Best Lifetime Free Credit Card in India

#1. SBI Simply Click Credit Card

SBI Simply Click Credit Card

SBI Simply Click Credit Card is the best card for online shopping. This SBI card comes with a small annual fee of 499, which can be waived off on spending 1 Lakh per year from the date of card approval. SBI approves this card for salaried people only and if you are an SBI bank salary account holder, you can get approval easily.

For shoppers who shop online frequently, they can find many offers from Flipkart, Amazon, Makemytrip, Cleartrip and other online vendors.

Apply here for SBI Simply Click Credit Card.

Key Benefits:

  • E-voucher from Amazon worth 500 as a welcome gift
  • E-voucher from Cleartrip worth 2,000 on making annual spends of 1 Lakh online
  • E-voucher of 2000 on achieving another 1 Lakh milestone
  • Earn 5X reward points on all other online shopping
  • Earn 10X rewards on making online spends through Amazon, BookMyShow, Foodpanda, Cleartrip, FabFurnish, Lenskart, Zoomcar, and OLA
  • Fuel surcharge waiver of 2.5% on 500+ transaction amount

#2. Citibank Cashback Credit Card

Citi Bank Cashback Credit Cards

If you love to watch the latest movies in theatres, this is the best card for you when paying your bills online. This card can help you save 5% every month through cashback. The annual fee for this card is 500.

Key Benefits:

  • 5% cashback on payment of telephone bill
  • 5% cashback on online movie tickets purchase
  • 5% cashback on payment of utility bills
  • 5% cashback on making all other spends

Quick Apply here for Citibank Cashback Credit Card

#3. American Express Gold Card

American Express Gold Card

Simply use your American Express Gold Credit Card 6 times, making transactions of 1,000 or above each month and earn 1,000 bonus membership reward points. This card comes at an annual fee of 1000 for the first year and 4,500 for the second year onwards.

Quick Apply here for American Express Gold Credit Card.

Key Benefits

  • 4,000 membership rewards points as a welcome gift after making the first 3 transactions within 60 days
  • Earn 1 reward point on spending 50 on all spends (except for Insurance, Fuel, Utilities and Cash Transactions)
  • 1000 bonus membership reward points for using the card 6 times in a month
  • Get up to 20% off on payments at partner restaurants
  • Earn 5000 membership reward points on card renewal in the second year
  • Redeem your reward points from 18 and 24 carat gold collection

Best Credit Cards for Frequent Travellers and Free Lounge Access

#4. Citibank Premiermiles Credit Card

Citibank Premiermiles Credit Card

This card gives you the benefit of earning extra mile on booking ticket and online shopping. Citibank Premier Miles Credit Card gives you access to many premium domestic and international airport lounges.

Citibank Premier Miles and American Express Platinum Travel are the best Credit Cards for travellers. You can choose any or apply for both. Premier Miles card is best for people who spend 2-3 Lakhs on travel annually. This card comes with an annual fee of 3,000.

Click here to Apply for Citibank Premier Miles Credit Card.

Key benefits:

  • 10000 Miles on card activation
  • Earn 10 Miles on every 100 spent on airlines
  • Earn 10 Miles on every 100 spent on online partners
  • 4 Miles for spending every 100 on all other expenses
  • Miles are redeemable at 100+ airlines
  • Earn 100 Miles worth 45 on making a purchase with preferred partners
  • Miles can be redeemed within up to 3 hours before take off

#5. American Express Platinum Travel Credit Card

American Express Platinum Travel Credit Card

American Express Platinum Travel Card has a lot to offer for frequent travelers, like vouchers from Taj, Indigo, and so on. The card comes with an annual fee of 3,500 for the first year and 5,000 from second year onwards.

Apply here for American Express Platinum Travel Card

Key Benefits

  • 5,000 Milestone Bonus Membership Reward Points as a welcome gift, redeemable for booking flights through IndiGo Vouchers (up to 4000)
  • IndiGo Vouchers of 7,700 and above on spending 1.90 Lakhs in a year
  • IndiGo Vouchers worth 11,800 and more on spending 4 Lakhs in a year
  • Voucher from the Taj Group worth 10,000

Get maximum benefits on traveling by IndiGo airlines using Amex Platinum Travel Card. This card is best suited for you if your annual expenses are 2 Lakhs and more.

Best Premium Credit Card in India

#6. SBI Signature Credit Card (Elite)

SBI Signature Credit Card (Elite)

SBI Signature Elite Credit Card comes with amazing offers on online shopping through partner portals with attractive bonus reward points system. This card comes with an annual fee of 4,999 and welcome gifts worth 4,999.

Quick apply here for SBI Signature Elite Credit Card.

Key Benefits

  • Welcome gift valued 5,000
  • Get annual benefits worth 30,000
  • 2 free movie tickets on booking made at BookMyShow every month
  • 10 reward points on spending ever 100 on Departmental stores, Dining, Grocery, and International spends
  • 2 reward points on spending every 100 on other expenses
  • 10,000 reward points on spending 2 Lakhs, 3 Lakhs, and 4 Lakhs annually
  • 20,000 reward points on spending 5 Lakhs and above annually
  • Signature Contactless Advantage

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 60+ Banks and NBFCs. We have served 2 million+ happy customers since 1989.

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