Choose from some of the top credit cards in India for yourself to maximise your savings and earn rewards.
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Selecting the best credit cards in India can be a complex task. Rather than relying on popularity, choose a card that matches your unique spending patterns and needs. The right card can boost your purchasing power, helping you earn rewards and enjoy exclusive privileges.
On Bajaj Markets, you can compare and select a credit card from over 30 variants from reputed banks and companies. Use the eligibility calculator to check if you qualify and apply for a card within minutes.
Each credit card offers a unique blend of rewards and benefits. Check out the annual charges and reward categories of some of the top credit cards:
Credit Cards |
Annual Fees + GST |
Best Suited For |
₹4,999 |
Travel, Entertainment, and Shopping |
|
₹2,999 |
Rewards and Premium Perks |
|
NIL |
Luxury and Travel Benefits |
|
₹499 |
Cashback and Dining |
|
₹500 |
Online Shopping and Cashback |
|
CASHBACK SBI Card |
₹999 |
Online Shopping and Cashback |
NIL |
Online Shopping and Cashback |
Disclaimer: Cards marks with ‘*’ are available on Bajaj Markets. The annual fees mentioned above may change at the issuer’s discretion.
Check out the features and benefits of the cards listed above in detail.
SBI Card ELITE
This premium card offers a range of benefits and privileges.
Get a welcome e-gift voucher worth ₹5,000 from a number of travel and lifestyle brands
Earn up to 50,000 bonus points worth ₹12,500 a year
Get free movie tickets worth ₹6,000 in a year
Get 6 complimentary access to airport lounges outside of India with the priority pass membership
AU Small Finance Bank Vetta Credit Card
This card is designed to help you earn rewards on purchases.
Enjoy accelerated reward points on utility bill payments, grocery, and departmental stores
Get 500 and up to 1,000 bonus reward points on retail spends exceeding over ₹50,000 and ₹1 Lakh per quarter, respectively
Get free insurance and an extended warranty on mobile and electronic purchases
Earn 1,000 reward points on completing one retail transaction on your birthday
IndusInd Bank Legend Credit Card
You can indulge in a world of luxury with this card.
Earn 2 reward points per ₹100 spent on weekends
Enjoy a discounted foreign currency mark-up fee of 1.8% on transactions made abroad
Get a 1% waiver on fuel surcharge to save on your fuel transactions
Enjoy 1 complimentary lounge access per quarter with your card
Axis Bank ACE Credit Card
This card may be best suited for those who wish to use their credit card regularly and earn rewards.
Enjoy 5% cashback on bill payments for electricity, gas, internet, and more
Get 4 complimentary visits to domestic airport lounges per year
Get a 1% waiver on fuel surcharge on transactions between ₹400 and ₹4,000 at fuel stations
Enjoy up to 15% off at 4,000+ partner restaurants across the country
Flipkart Axis Bank Credit Card
Designed for online shoppers, this card offers a blend of rewards and convenience.
Get welcome benefits worth ₹600 on activation
Earn unlimited 5% cashback on Flipkart and Cleartrip transactions
Earn up to unlimited 4% cashback on transactions on certain preferred merchants
Enjoy complimentary lounge visits at domestic airports per calendar year
Cashback SBI Card
This card helps you save money on purchases with exclusive cashback offers.
Enjoy 5% cashback on online transactions without any merchant restrictions
Get a cashback offer directly into your SBI account within two working days
Get a reversal on annual fees by spending more than ₹2 Lakhs in a calendar year
Enjoy 1% fuel surcharge waiver at fuel stations across the country
Amazon Pay ICICI Bank Credit Card
This card offers cashback for online shopping to help boost your savings.
Get 5% cashback on Amazon India spends if you hold Prime membership
Earn 3% cashback on your transactions on Amazon India if you are not a Prime member
Enjoy 1% cashback on all other spends, such as dining, shopping, travel, etc.
Enjoy these rewards whenever possible, as they do not have an expiry date
Here are a few things to keep in mind when selecting the best credit card as per your requirements:
Rewards Offered
Understanding the reward structure of different credit cards is crucial. Consider if the rewards align with your spending habits.
Credit Card Charges
Credit cards have associated charges such as annual fees, joining fees, and late payment penalties. Evaluate these charges against the benefits offered by the card.
Eligibility Criteria
It determines whether you can qualify for a particular card. You can evaluate your credit profile and income to apply for cards that have eligibility terms you can meet. This increases your chances of approval.
Brands and Deals
Credit cards collaborate with various brands to offer exclusive deals and discounts. Consider the value of these offers in relation to your spending habits.
About Credit Cards Services
- Credit Card
- Credit Card Balance Transfer
- Fuel Credit Card
- Business Credit Card
- Corporate Credit Card
- Credit Card against FD
- Credit Card Settlement
- Credit Card Documents
- Credit Card Eligibility
- Credit Card EMI
- Features & Benefits of Credit Card
- Credit Card Interest Rate
- International Credit Card
- Credit Card Limit
- Credit Card Loan
- Credit Card Lounge Access
- Credit Card Login
- Credit Card Bill Payment
- Credit Card Pin Generation
- Credit Card Reward Points
- Shopping Credit Card
- Credit Card Statement
- Credit Card Types
- Credit Card Billing Cycle
Credit Cards Partners at Bajaj Markets
Frequently Asked Questions
Which are some of the best credit cards you can choose from?
Choosing the best credit card depends on your specific needs and spending patterns. For instance, you can opt for a Standard Chartered EaseMyTrip Credit Card if you travel frequently. The SBI Card Elite could be an ideal choice if you are seeking premium benefits.
Which credit cards in India have some of the best rewards programs?
Most credit cards in India provide rewards on purchases. The best rewards programme depends on your spending habits. The following could be some options you could consider:
SBI SimplySAVE Credit Card
RBL Bank ShopRite Credit Card
Which are the top 5 credit cards in India?
As their benefits are based on your spending patterns, there are no top credit cards as such. You could opt for some of these cards for optimal benefits:
SBI BPCL Octane Credit Card
Axis Bank ACE Credit Card
SBI Card ELITE
HDFC Bank Diners Club Black Credit Card
Which are the best credit cards for first-time card users in India?
If you are a beginner, it would be wise to opt for a card that does not come with annual charges. For instance, you can opt for an IndusInd Bank Legend Credit Card or Amazon Pay ICICI Bank Credit Card.
What are some of the top credit cards in India for salaried individuals?
If you are a salaried individual, you can select cards as per your income and the issuer’s eligibility terms. Choose cashback cards if you want to save while shopping and earn reward points.
Which are some of the top credit cards in India for online shopping?
The top cards for online shopping depend on where you like to shop and on what categories you spend the most. For instance, co-branded cards of e-commerce companies may be an ideal choice. You could explore:
Flipkart Axis Bank Credit Card
Amazon Pay ICICI Bank Credit Card
What is the minimum payment on a credit card?
It refers to a percentage of your outstanding balance, usually around 5%. By making the minimum balance payment, you can avoid late fees. It is important to pay more than the minimum due to avoid interest charges.
Is there any credit card in India with no annual fee?
Many banks and financial institutions provide credit cards with no annual fee. These include Flipkart Axis Bank Credit Card, Cashback SBI Card, and Amazon Pay ICICI Credit Card.
Which credit card is the most useful in India?
The most beneficial card depends on your lifestyle. If you travel frequently, a travel-focused card may be best. For online shopping, a card which offers cashback on such purchases may be ideal.
Which credit card offers the best travel benefits?
Choosing the best travel credit card depends on your specific travel needs and spending habits. For instance, you can consider the IndusInd Bank Legend Credit Card if you are a frequent flyer. If you often travel by train, you could opt for the IRCTC RuPay Credit Card.
Will the lounge benefits with credit cards be free of cost?
Lounge benefits usually require you to meet a minimum spending milestone or pay an annual fee. Some cards offer complimentary lounge access.
Which card is most popular in India?
There are different types of cards that are popular in specific categories, like cashback or travel. Choose a card based on the benefits it offers you and the category you want to save on. For instance, you could consider the Flipkart Axis Bank Credit Card for saving when shopping online.
Which is the safest credit card in India?
All major credit cards in India adhere to stringent security standards. However, practising good financial habits like protecting your PIN and keeping your card information secure is essential.
Is it possible to cancel a credit card?
Yes, you can cancel a credit card by contacting your bank or credit card issuer.
Is it safe to have multiple credit cards?
Having multiple credit cards can be beneficial if managed responsibly. It can help improve your credit score and provide spending flexibility. However, ensure that you make bill payments on time.
