Card Name | Best Suitable For | Joining fee | Annual Fee |
Citi CashBack Credit Card | Movies,Shopping | Nil | Rs. 500 + Taxes |
ICICI Instant Platinum Credit Card | Dining Out, Movies | Nil | Nil |
IndianOil Citibank Platinum Credit Card | Fuel | Nil | Rs. 1,000 (Spend 30,000 or above and get fee waiver) |
HSBC Visa Platinum Credit Card | Travel, Dining Out, Movies | Nil | Nil |
SimplyCLICK SBI Card | Movies, Online Shopping | Rs. 499 | Rs. 499 |
AXIS Bank Neo Credit Card | Shopping, Dining, Movies | Rs. 250 (Waived off on spending Rs. 2,500 in 45 days) | Rs. 250 |
HDFC Bank Diners Club Rewardz Card | Shopping, Dining, Travel | Rs. 1,000 | Rs. 1,000 (Renewal fee is waived off on spending Rs. 1 Lakh in the previous year) |
IndusInd Bank Platinum Credit Card | Shopping, Travel, Movies | Rs. 3,000 | Nil |
SBI Card Elite | Travel, Movie | Rs. 4,999 | Rs. 4,999 |
SimplySAVE SBI Credit Card | Dining, Movies, Grocery, & Departmental Store | Rs. 499 | Rs. 499 |
STYLEUP Contactless Credit Card | Shopping online & offline at FBB & Big Bazaar stores | Rs. 499 | Rs. 499 |
BPCL SBI Credit Card | Fuel, grocery, dining & movies | Rs. 499 | Rs. 499 |
RBL Cookies Credit Card | Dining, Movies, and Cab | Rs. 500+GST | Rs. 500+GST |
RBL Monthly Treats Credit Card | Purchasing groceries, Booking at BookMyShow, Swiggy & utility bill payments | Rs.50 per month | Rs.50 per month * reversed on Rs 3000 monthly spends |
RBL Bank Shoprite Card | Movie, Grocery, and Fuel | Rs. 500+GST | Rs. 500+GST *reversed on Rs 1 Lakh spending |
Owning the Best Credit Card in India has become a way of life over the last 2 decades, especially in the Metro cities. With fast pacing E-commerce Industry, the use of credit cards has been truly phenomenal. After all, owning a credit card empower you to lead the lifestyle you desire. You get the flexibility to buy now and pay later.
List of Top Credit Cards 2021
Over the years, Credit Card companies have also come up with some amazing benefits for cardholders, hence making it more accessible for people to use credit cards. When choosing a credit card, you should know about the Top Credit Cards, the ones offering the maximum benefits.
This Citibank Card is called the Cash Back Card as it provides a lot of cashback offers on purchases made. You get a flat 5% cashback on buying movie tickets or if you use it to pay your utility bills like electricity bill or mobile bills. Moreover, you also get 0.5% cash back on other purchases made from this card; which means that every time you spend from this Credit Card, you surely get a cashback. Additionally, you can convert your purchases above Rs. 2000 into equal monthly installments (EMIs). The annual fee is only Rs. 500 + Taxes.
Features of Citibank Cash Back Credit Card
Why should you use this card?
If you are a self-employed individual, or a homemaker or student or someone who has a bad credit history due to a past financial crisis and want to have a credit card; this is the most appropriate card for you. ICICI Bank offers ICICI Instant Platinum Credit Card to people who hold Fixed Deposits with them without any financial documents.
This Credit Card offers you a discount of Rs 100 on movie tickets (on minimum 2 tickets up to 2 times in a month) . This credit card comes with Zero Annual Fees.
Features of ICICI Instant Platinum Credit Card
Why should you use this card?
This card offers maximum benefits on fuel surcharge and purchase in India. With this card, you earn 4 Turbo points on the spending of every Rs. 150 for fuel purchase at any Indian Oil outlet across the country. You can redeem these turbo points against free fuel or can also use these points for buying gifts and gift vouchers. You also get your fuel surcharge waived off at Indian Oil outlets. Apart from fuel purchase, you also get turbo points on other spends as well. You earn 2 Turbo points at all grocery stores and supermarkets & 1 Turbo point for all other transactions like shopping and dining on every Rs. 150 spent. You stand a chance to get your annual fee (of Rs. 1,000) waived off if you spend Rs. 30,000 in a year.
Key Features of IndianOil Citi Platinum Credit Card
Why should you use this card?
This HSBC Credit Card offers a variety of benefits to its cardholders from reward points to cashback and additional discounts. This card gives you 10% cashback (up to Rs. 2,000) on all transactions in the first 3 months if you have at least 5 transactions more than Rs. 10,000 each. As far as the reward points are concerned, you earn 2 points on spending every Rs. 150. You get up to 15% off on dining at partner restaurants. You also earn fuel surcharge waiver (Rs. 250 each month) on filling fuel from this card.
Key Highlight of HSBC Visa Platinum Card
Why should you use this card?
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 which is reversed to your credit card account if you spend more than Rs. 1 Lakh per annum using this card.
Features of SimplyCLICK SBI 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.
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.
Features of Neo Credit Card from Axis Bank
Why should you use this card?
AXIS Bank Neo Credit Card offers a couple of shopping, dining and entertainment benefits.
This Credit Card by HDFC Bank is one of the finest cards of India offering some great benefits for shopping, travel, and entertainment transactions. With this card, you get 10x the reward points on international spends. You can redeem those rewards points to book air tickets or hotels. Being one of the premium cards, you get access to various Airport Lounges access in India as well as abroad. On all other spends, you get 3 reward points for every Rs. 150 spent.
Joining and renewal membership fee: Rs. 1,000 + applicable taxes (Renewal fee is waived off on spending Rs. 1 Lakh in the previous year).
Features & Benefits of HDFC Bank Dinners Club Card
Why should you use this card?
Being in the premium card category, it offers some luxury offers to customers in dining as well as lifestyle benefits. You can avail great discounts by using this card on BookMyShow or Shopping and travel partners. On every Rs. 150 that you spend, you get 1.5 reward points. It offers travel insurance as well as air accident cover of up to Rs. 25 Lakhs.
Features of IndusInd Bank Platinum Credit Card
Why should you use this card?
IndusInd Bank Platinum Credit Card hosts a couple of benefits to its customers.
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.
Feature & Benefits of SBI Elite Card
Why should you use this card?
RBL Bank’s Cookies Credit Card comes with a bag of lifestyle & entertainment benefits such as dining, movies, cab rides and much more. On the nominal annual fee of Rs 500, the cardholder unlocks the power of MasterCard contactless technology and uses the card on the go for day-to-day expenses. You can earn rewards and cashback for online as well as offline purchases. Some of the attractive features are movie passes, riding pass, dining pass, Amazon gift card, Zomato Gold Membership, Fuel benefits & more.
Joining Fee: Rs 500 + GST
Annual Fee: Rs 500 + GST
Features:
Why should you choose this Credit Card?
RBL Bank Monthly Treats Credit Card is a wonderful choice for first plastic. The card comes at a very basic monthly fee of Rs 50 which is waivable on spends of Rs 3000 each month. You get a chance to earn cashback, reward points, discounts, and fuel surcharge waiver every month on your spends online as well as offline. At this price, it is one of the most affordable cards on the block.
Joining Fee for 1st month: Rs.50 per month
Renewal Fee from 2nd month onwards: Rs.50 per month (waived off on spends of Rs.3000 or more)
Features:
Why use this card?
RBL Bank Shoprite Card is a delight for online shoppers looking out for benefits on entertainment and day-to-day expenses. The card comes packed with a series of benefits on movies, grocery shopping, utility bill payments and fuel benefits. At a nominal annual fee of Rs 500, you earn flat discounts and reward points on your online and offline transactions.
Joining Fee: Rs.500
Annual Fee: Rs.500 (waived off on spends of Rs.1 lakh or more)
Features:
Why to use this card?
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.
Joining Fee: Rs 499
Annual Fee: Rs 499
Features:
Why to use this card?
StyleUp Contactless Card is a co-branded SBI and FBB Credit Card. It is essentially a shopping Credit Card that opens up a Pandora Box of discounts and value back offers on shopping online and offline for Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at fbbonline.in, FBB and Big Bazaar Stores. Besides, the contactless technology of the card will ensure added security and convenience in your shopping experience. You can save and enhance your shopping experience with SBI FBB STYLEUP Credit Card.
Joining Fee: Rs 499
Annual Fee: Rs 499
Features:
Why to 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 catalogue.
Joining Fee: Rs 499
Annual Fee: Rs 499
Features:
Why to use this card?
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:
If you are about to purchase your first Credit Card, here are some tips to help you choose the best one for yourself:
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. Citibank Cash Back Credit Card, ICICI Instant Platinum Credit Card, IndianOil Citi Platinum Credit Card, HSBC Visa Platinum Card, Simply CLICK 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 Instant Platinum Credit Card, HSBC Visa Platinum Card, Citibank Rewards Domestic Credit 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, Citi Premier Miles Credit 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, Citibank, 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, Citibank Cashback Credit Card, and IndianOil Citi 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. 20,000.
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 credit cards available in India for shopping.
FamPay, India’s first Neobank for teenagers announced today the launch of India’s first numberless card, named FamCard. It is just like any other debit card that teenagers can use to make payments independently. With FamPay’s numberless card, minors can finally make online (UPI & P2P) and offline payments with no need to set up a bank account. Every transaction is protected with fingerprint, Face ID, pattern lock or PIN.
Shares of SBI Cards & Payment Services Ltd. traded 1.3% up in Wednesday’s trade at 10:48AM (IST). The stock opened at Rs. 697 and touched an intraday high & low of Rs. 704.35 & Rs. 692.95, respectively. Shares of SBI Cards & Payment Services Ltd. quoted a 52-week high of Rs. 769 and a 52-week low of Rs. 495.25.
Amidst the current pandemic of COVID-19, RBL Bank has revamped its RBL MyCard credit card app under its new-age contactless banking services. The app is revamped to deliver a host of category-first features like spend analyser, real-time disbursal of loan amount, and a fully-visual representation to keep the customer updated on reward milestones.
Also Read: Best Rewards & Cashback Credit Cards in India
To apply online for best Credit Cards in India, Secured Loans and Unsecured Loans, visit www.mymoneymantra.com, the leading online lending marketplace that offers financial products from 100+ Banks and NBFCs. We have served 7 million+ happy customers since 1989.