Best Credit Cards

Finding an ideal credit card can be a difficult task. We are all looking for the “perfect credit card” that offers high rewards, cashback, discounts on top brands, and our beloved complimentary benefits, such as access to airport lounges, railway lounges, and golf rounds/lessons. Many of us desire to have access to all of these services without any charges. However, this is a rather unrealistic expectation as card issuers cannot afford to offer such a rewarding credit card at a nominal or no fee.

Instead, they offer credit cards with benefits in different categories to cater to the varying spending habits of individuals. Since everyone’s preferences differ based on their unique requirements and spending behavior, there is no single credit card that can be deemed the best for everyone. Therefore, to meet the needs of all segments of people, we have compiled a list of the best credit cards available in the Indian market. These top 20 cards are suitable for various kinds of spendings, whether you’re looking for a budget card or a premium one, a lifetime free card or one with moderate fees, or one for online shopping or fuel. Our list of best and top credit cards features the cream of the crop when it comes to credit cards in India. If you’re looking to apply for a credit card or are unsure which one to choose, our list will be of great benefit to you.

HSBC Live+ Credit Card – Cashback on Groceries

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping | Food

Reward Type

Cashback

Welcome Benefits

₹1,000 Cashback on Spending ₹20,000 in the First 30 Days
IDFC FIRST Select Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Vouchers worth ₹500 on spends of ₹5,000 within 30 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.
IndusInd Legend Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

N/A

Welcome Benefits

N/A
AU Bank LIT Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies | Travel | Dining | Fuel | Shopping

Reward Type

Reward Points

Welcome Benefits

N/A
Cashback SBI Credit Card

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping | Food

Reward Type

Cashback

Welcome Benefits

N/A
Amazon Pay ICICI Bank Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership

Joining Fee

₹999 + GST

Renewal Fee

₹999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

₹1,000 MMT Voucher and MMTBLACK Gold Tier Membership
Axis Bank Atlas Credit Card

Joining Fee

Rs. 5,000 + GST

Renewal Fee

Rs. 5,000 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

2,500 Edge Miles on Completing 1 Transaction Within 30 Days of Card Issuance
Swiggy HDFC Bank Credit Card

Joining Fee

₹500 + GST

Renewal Fee

₹500 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

1,000 CashPoints
HDFC Bank Millennia Credit Card

Joining Fee

₹1000 + GST

Renewal Fee

₹1000 + GST

Best Suited For

Dining | Food

Reward Type

Cashback

Welcome Benefits

Complimentary 3-Month Swiggy One Membership