Every individual has a different requirement and purpose when it comes to credit cards. Therefore, one must choose a card that best suits individual needs. Today, the market is flooded with a wide range of credit card options. There are cards to pay your monthly bills, cards that can fetch a good bargain on shopping, travel cards, etc. By making the right choice of credit cards, you can save money on a variety of transactions.
To help you pick the best card that meets your requirements, here we have consolidated a list of the top 10 credit cards in India.
Axis Bank Ace Credit Card
Axis Bank ace credit card is one of the best credit cards in India, especially for cashback. It offers the highest universal cash back at 2%. If you are looking for a credit card but are not sure about your expense categories, a cashback credit card like this one can be the right choice.
Amazon Pay ICICI Credit Card
Amazon Pay ICICI credit card is one of the best cards to offer co-branded benefits in India. If you frequently shop online through Amazon, you can enjoy savings on all your Amazon expenses through cashback from this card. Apart from Amazon purchases, you can avail cashback on many other spends using this card. The best part about this credit card is that you can avail all these benefits for free since the card does not charge any joining or renewal fees.
HDFC Regalia Credit Card
Those looking for a credit card that can provide benefits under various categories can go for an HDFC Regalia credit card. This card comes with wide-ranging benefits on shopping, dining, travel, etc. One of the best HDFC credit cards, this one has all-around benefits and is, therefore, one of the most sought-after cards.
SBI BPCL Octane Credit Card
Those who want to avoid financial drain due to the rising fuel costs can opt for the BPCL SBI Octane credit card. This is one of the best fuel cards offered by SBI and it also features among the top 10 credit cards in 2021.
simply click SBI Card
If you want to fetch maximum benefits while shopping online then SimplyCLICK SBI Card is one of the best credit cards in India. It offers up to 10X reward points combined with discount offers on various online spends. This makes the card most suited for frequent online shoppers.
Citi PremierMiles Credit Card
Check this one of the best travel credit cards in India. Those who can afford to spend on credit card fees, to avail exclusive travel benefits such as air miles on every expense, free lounge access, discounts and travel deals, can opt for Citi PremierMiles credit card.
SBI Card Elite
SBI Elite credit card is one of the best premium credit cards. It is a perfect card for your elite lifestyle since it offers exclusive shopping vouchers from various premium brands as part of the welcome gift. It also offers benefits on the purchase of movie tickets, accelerated reward points, complimentary lounge access, free club Vistara membership among other benefits.
YES FIRST Preferred Credit Card
YES FIRST Preferred credit card is a premium card that is best for frequent travellers and shoppers. The card offers various rewards on every purchase and allows them to be redeemed later in the form of vouchers, merchandise or Intermiles.
HSBC Cashback Credit Card
HSBC Cash Back credit card is ideal for frequent shoppers who like to purchase now and then. This shopping credit card offers benefits in the form of cashback on all purchases.
Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium credit card is specially designed for those who like to get benefits with every use of credit card. This card offers cashback and rewards on all spending through the card. It is also one of the best fuel cards offering cashback on fuel spending.
Are You Searching for the Best Credit Card?
While searching for the best credit cards in India, you may come across a wide range of top credit card offerings that have different features and benefits. With so many options to choose from, you can get confused about which card to select. Here are some tips to use while choosing the best credit card in India:
- Always look for a credit card that is in line with your spending habits
- Know the exact reason why you want to have a credit card
- Read through the eligibility criteria of the shortlisted credit cards
- Pick a card that offers the best value as per your spending goals
- Know the application process of the shortlisted cards
Choosing a credit card that is align with your needs and lifestyle, can be a difficult task. With several cards on offer from multiple issuers in India, each comes with an exclusive set of benefits, eligibility conditions, fee structures, etc. Therefore, if you are looking for the right credit card, consider the above-mentioned list of India’s top credit cards to make the selection process easier.