Top 10 Credit Cards in India for 2019
Credit Cards have become a way of life in India 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.
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.
Let’shave a look at the top 10 Credit Cards in India for 2019:
- CitiBank Cashback Credit Card
- Standard Chartered Manhattan Platinum Credit Card
- ICICI Instant Platinum Credit Card
- Indian Oil Citi Platinum Card
- HSBC Visa Platinum Card
- Simply Click SBI Credit Card
- AXIS Bank Neo Credit Card
- HDFC Bank Diners Club Card
- IndusInd Bank Platinum Credit Card
- Jet Airways American Express Platinum Credit Card
1. CitiBank Cashback Credit Card:
This Citibank card is called the Cashback 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 as well. The annual fee is only Rs. 500 per annum.
2. Standard Chartered Manhattan Platinum Credit Card:
This is one of the best and most sought after Credit Cards in India for shopping, dining out, cashback as well as reward points. This is the only credit card that gives 5% cashback on grocery purchase; If you buy grocery from any departmental store like Big Bazaar, Reliance Fresh, More, you get a flat 5% cash back on your bill amount. Now that’s a huge saving as we certainly use our Credit Card a lot when we shop at these stores. It comes for only Rs. 499 annual fee in the first year and Rs. 999 is the renewal fee from a subsequent year onwards. What’s more! You also get 5 times the reward points if you use this card for filling petrol, buying tickets or even while dining out. Hence it’s a double bonanza card which gives cashback as well as hefty reward points in your kitty.
3. ICICI Instant Platinum Credit 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 Card to people who hold Fixed Deposits with them without any financial documents.
This credit card offers you a 15% discount at around 800 leading restaurants in India. You also get a discount of Rs 100 twice a month if you buy movie tickets using the card. This card comes with Zero annual fees.
4. Indian Oil Citi Platinum Card:
This card offers maximum benefits to regular fuel charge users 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 waived off if you spend Rs. 30,000 in a year; else your annual fee is Rs. 1,000/-.
5. HSBC Visa Platinum Card:
This card offers a variety of benefits to its cardholders from reward points to cashback and additional discounts. This card gives you 10% cashback on all transactions in the first 3 months if you have at least 3 transactions more than Rs. 10,000 each. This entails you to avail uptoRs. 3,000 as a total cashback in just first 90 days. As far as the reward points are concerned, you earn 2 points on a spend of Rs. 150 on any transaction. You also get to earn 3times of the reward points if you spend for dining and leisure. You also earn fuel surcharge waiver on filling fuel from this card.
6. Simply Click SBI Credit 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, Zoomcar, and Cleartrip. Not only this but on the other purchases also, you get 5 times the Reward points. Moreover, there is a Fuel Surcharge waiver also if you buy fuel using your Simply Click SBI Credit Card. The annual fee for this card is Rs. 499; however it is waived off if you spend more than 1 Lakh per annum using this card.
7. AXIS Bank Neo Credit Card:
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, Jabong gives you complimentary vouchers of Rs. 500/- 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.
8. HDFC Bank Dinners Club Card:
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 2 times the reward points on any air ticket booking or hotel booking (domestic or international), and you can also redeem those rewards points to further book air tickets or hotels. Being one of the premium cards, you get access to various airport lounges in India as well as abroad. On all other spends, you get 5 reward points for every Rs 150 spent.
9. IndusInd Bank Platinum Credit 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 like United Colors of Benetton, Satya Paul, Jet Airways, etc. On every Rs. 150 that you spend, you get 1.5 reward points. It offers travel insurance as well as air accident cover of upto 25 Lakhs.
10. Jet Airways American Express Platinum Credit Card:
The collaboration of American Express and Jet Airways offers its customers unforgettable travel experience. This card gives you a 1 way domestic Jet Airways flight ticket and 10,000 bonus JP Miles free as a joining gift. You earn 16 JP miles for every Rs 150 on spending on Jet Airways and 8 JP miles on other transactions, and these miles can be redeemed against air tickets. Apart from this, the card also offers free access to selected airport lounges and other travel benefits.
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