20 Best Credit Cards in India 2024

In India , Credit card market is offering extensive range of options, which are designed to suit different financial needs and lifestyle. India has lots of credit cards to choose from as Indian credit card market is flooded by 100 plus credit card variants issued by 30 plus Banks and NBFCs. Many people specially salaried ones ask this question. Which credit card is the best credit card in India to keep?

Before explaining it further let me explain you that credit card is a plastic or a metal card that allows you to borrow money from bank and pay it back to bank over a period of time. Moreover credit card allows you to make big ticket purchase, earn reward points and avail several other benefits i.e. free lounge access.

Some people use credit card for convenance as they can use credit card as cash at any time without any worry of paying interest on their purchases. Some people prefer to use credit card as compare to debit card because of flexibility in terms of spending limits, offers , discounts and fees.

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The best way to maximize the benefits is to choose a credit card that matches your lifestyle and spending habits. However, its very difficult to make a choice while picking up one credit card from so many available options. I have spent more than 3 months to compile the list of credit cards based on features , benefits and offerings.to help you to choose the best credit card in India for 2024. further i have tried to classify credit cards across different categories such as shopping, travel, fuel, rewards, cashback, and cards with premium features.

In my endeavors to help you to choose the best credit card in India 2024, I have compiled a list of credit cards. I have prepared a curated list of best credit cards in India to apply in 2024. This list consist of Top 20 Credit Cards.

A Curated list of Best Credit Card in India is as below:

1. SBI Cashback Credit Card
2. Amazon Pay ICICI Credit Card
3. HDFC Millennia Credit Card
4. Flipkart Axis Bank Credit Card
5. Standard Chartered EaseMyTrip Credit Card
6. Axis Bank Ace Credit Card
7. HSBC Visa Platinum Credit Card
8. IDFC First Millennia Credit Card
9. American Express Credit Card
10. Indusind Bank Credit Card
11. HDFC Regalia Credit Card
12. Axis Atlas Credit Card
13. SBI Simply Click
14. ICICI Coral Credit Card
15. HSBC Cashback Credit Card
16. HDFC Infinia Credit Card
17. HDFC Diners Black Metal Credit Card
18. ICICI Emeralde Private Metal Credit Card
19. Axis Bank Burgundy Private Credit Card
20. Axis Bank Magnus Credit Card

1. SBI Cashback Credit Card

Joining Fee : Rs. 999/- (One Time)
Renewal Fee/ Annual Fee : Rs. 999 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.

Key feature and Benefits :
5% Cashback on online* spends without any merchant restriction
1% Cashback on offline* spends
Click here to read detail review

2. Amazon Pay ICICI Credit Card

Joining Fee : No Joining Fee for Lifetime
Renewal Fee/ Annual Fee : No Annual Fee for Lifetime
ICICI Bank Amazon Pay credit card is one among best credit cards in India with no annual fee

Amazon Pay ICICI Bank Credit Card is a co-branded credit card issued by ICICI Bank and marketed by both ICICI Bank and Amazon.

Key feature and Benefits :
Up to 5% Reward Points for shopping on Amazon to Amazon Prime member
Up to 3% Reward Points for shopping on Amazon to Amazon Non-Prime member
Free 3 Months Amazon Prime membership
EasyDiner Prime Free 1-Month Membership
Click here to read detail review

3. HDFC Millennia Credit Card

Joining Fee :  ₹1,000/- + Applicable Taxes
Renewal Fee/ Annual Fee :  ₹1,000/- + Applicable Taxes. Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off .

Key feature and Benefits :
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
Upto 20% discount on partner restaurants via Swiggy Dineout
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
Click here to read detail review

4. Flipkart Axis Bank Credit Card

Joining Fee :  ₹ 500/- one time fee
Renewal Fee/ Annual Fee :  ₹ 500/- per annum. Annual Fee is waiver off on annual spend greater than ₹3,50,000.

FLIPKART AXIS Bank Credit Card is a co-branded credit card issued by Axis Bank and marketed by both Axis Bank and Flipkart.

Key feature and Benefits :
Earn unlimited 5% cashback on Flipkart spends*
Earn 4% cashback on Preferred Merchants (unlimited).
unlimited 1% cashback on other eligible categories*
Click here to read detail review

5. Standard Chartered EaseMyTrip Credit Card

Joining Fee :  ₹ 350/- Plus GST (one time fee)
Renewal Fee/ Annual Fee :  ₹ 350/- Plus GST per annum. The renewal fee will be reversed for clients with spends greater than or equal to INR 50,000 in the preceding year on Standard Chartered EaseMyTrip Credit card.

Key feature and Benefits :
Flat 20% instant discount* on domestic & international hotel* bookings(Max discount of Rs 5000 and Rs 10000 respectively)
Flat 10% off* on domestic & international flight bookings(Max discount of Rs 1000 and Rs 5000 respectively)
Get 10x rewards* on every ₹100 spent for booking tickets at standalone hotel and airline websites/apps/outlets.
Click here to read detail review

6. Axis Bank Ace Credit Card

Joining Fee :  ₹ 499/- Plus GST (one time fee) , Also available with Zero Joining fee through select channels
Renewal Fee/ Annual Fee :  ₹ 499/- Plus GST per annum second year onwards. The renewal fee is waived for credit card holders on annual spends greater than INR 2,00,000.

Axis Bank Ace credit card is a cash back card. cash back amount is subject to spend category and amount.

Key feature and Benefits :
5% Cashback on bill payments (electricity bill, Gas bill, Internet bill) DTH and mobile recharge on GPay.
1% fuel surcharge waiver on fuel purchase at all fuel stations across India.
4% Cashback on swiggy , Zomato and Ola.
1.5% Cash back on other spends.
Click here to read detail review

7. HSBC Visa Platinum Credit Card

Joining Fee :  Zero / Nil Joining fee.
Renewal Fee/ Annual Fee :  Zero / Nil Joining fee for lifetime

Key feature and Benefits :
5X the reward points on any purchase made after spending INR4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
Make annual savings of up to INR3,000 on fuel surcharges with our credit card waiver.
Earn 2 Reward points for every INR150 you spend with your HSBC Platinum Credit Card.
Click here to read detail review

8. IDFC First Millennia Credit Card

Joining Fee :  Zero / Nil Joining fee.
Renewal Fee/ Annual Fee :  Zero / Nil Joining fee for lifetime

Key feature and Benefits :
5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation.
Unlimited Reward points that never expire.
Use Reward points to instantly pay for online or in-store purchases.
3X  Reward Points on applicable online & offline purchases for spends up to ₹20,000 per month
10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
Click here to read detail review

9. American Express Membership Rewards Credit Card (MRCC)

Joining Fee :  Rs. 1,000 plus applicable taxes.
Renewal Fee/ Annual Fee :  Second Year onwards : Rs. 4,500 plus applicable taxes

Key feature and Benefits :
Earn 1 Membership Rewards® Point for every Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale.
The Annual Membership Renewal fee of Rs. 4500 will be 100% waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.1,50,000 and above.
50% annual membership renewal fee will be waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.90,000 to Rs.1,49,999.
Earn 1,000 Bonus Membership Rewards Points for simply using your card 4 times on transactions of Rs. 1,500 or above in a calendar month.
Click here to read detail review

10. IndusInd Bank Platinum Aura Credit Card

Joining Fee :  Rs. 500 plus applicable taxes.
Renewal Fee/ Annual Fee :  Nil

Key feature and Benefits :
Earn up to 4X Reward Points on select merchant categories, for every ₹ 100 spent.
Get Waiver on fuel surcharges on fuel transactions
Enjoy 24×7 concierge services
Click here to read detail review

11. HDFC Regalia Credit Card

Joining Fee :  Rs. 2500 plus applicable taxes
Renewal Fee/ Annual Fee : Rs. 2500 plus applicable taxes. Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year

Key feature and Benefits :
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!.
4 Reward Points on every Rs.150 spent (On retail* spends)
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
Enjoy 24×7 concierge services
Click here to read detail review

12. Axis Atlas Credit Card

Joining Fee :  Rs. 5000 plus applicable taxes
Renewal Fee/ Annual Fee :  Rs. 5000 plus applicable taxes

Key feature and Benefits :
Get up to 5000 EDGE Miles on completion of year. 1 EDGE Miles is equal to Rs.1.
Enjoy 2500 EDGE Miles welcome benefits upon first transaction on your ATLAS credit card within 37 days from the credit card issuance date.
Exclusive Silver membership benefits right from issuance of the credit card, unlock addition benefits in Gold and Platinum tier membership.
Unlock up tp 10,000 EDGE Miles on achieving spends milestone.
Click here to read detail review

13. SBI Simply Click Credit Card

Joining Fee :  Rs. 499 plus applicable taxes.
Renewal Fee/ Annual Fee :  Rs. 499 plus applicable taxes

Key feature and Benefits :
Spend Rs 1,00,000 and get annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.
1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges).
e-Vouchers worth  Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh respectively.
Click here to read detail review

14. ICICI Coral Credit Card

Joining Fee :  Rs. 500 plus applicable taxes.
Renewal Fee/ Annual Fee :  Rs. 500 + GST from 2nd year onwards – waived off if you spend more than Rs. 1,50,000 in the previous year.

Key feature and Benefits :
25% discount on movie tickets, on BookMyShow and Inox, twice per month.
Earn up to 10,000 additional reward points.
One complimentary railway lounge visit per quarter
Click here to read detail review

15. HSBC Cashback Credit Card

Joining Fee :  Rs. 999 plus applicable taxes.
Renewal Fee/ Annual Fee :  999 to be reversed if your total annual spend exceeds INR 200,000.

Key feature and Benefits :
Unlimited cashback on all your transactions – 10% cashback on all dining, food delivery and grocery. 1.5% cashback on other spends.
Enjoy 4 complimentary domestic lounges per year.
Amazon vouchers worth INR 1000 on spending INR 10,000 within 30 days of issuance.
Click here to read detail review

16. HDFC Infinia Credit Card

Joining Fee :  Rs. 12,500 plus applicable taxes.
Renewal Fee/ Annual Fee :  Rs. 12,500 plus applicable tax. Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.

Please note that HDFC Infinia Metal Edition Credit Card is an Invite only super premium credit card for existing client of HDFC Bank. HDFC Infinia credit card is one of best premium credit cards in India

Key feature and Benefits :
Metallic Card.
Complimentary nights & buffet at participating ITC hotels.
Complimentary Club Marriott membership for first year.
Unlimited airport lounge access across the globe for Primary and Add-on member.
5 Reward Points for every ₹ 150 spent
Global Personal Concierge -24 X 7
Click here to read detail review

HDFC Infinia Metal Edition Credit Card is an Invite only. Please get in touch with your relationship manager to apply for the HDFC Bank Infinia metal credit card.

17. HDFC Diners Black Metal Credit Card

Joining Fee :  Rs. 10,000 plus applicable taxes.
Renewal Fee/ Annual Fee :  Rs. 10,000 plus applicable taxes and if you spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year

Key feature and Benefits :
Diners Exclusive Offers are available with the credit card.
Earn 5 Reward Points for every ₹ 150/- retail spent
Avail unlimited Airport Lounge Access
Enjoy 6 complimentary Golf Games
24×7 personal concierge services
Click here to read detail review

18. ICICI Emeralde Private Metal Credit Card

Joining Fee :  Rs. 12,500 plus applicable taxes.
Renewal Fee/ Annual Fee :  Rs. 12,500 plus applicable taxes. This fee is reversed, if spends of Rs 10 lakh or above are done on the card. Spends done in the next card anniversary year will be considered for the annual fee reversal calculation.

Key feature and Benefits :
Complimentary Night Stay With Taj Epicure Membership (Validity- 1 Year).
Experience 12 months of complimentary EazyDiner Prime Membership.
Enjoy unlimited complimentary golf rounds/lessons every month.
No Cancellation charges on Air Travel and Hotel Bookings! Get a refund of up to Rs 12,000 for a maximum of two transactions every year, for tickets booked using your ICICI Bank Emeralde Private Metal Credit Card only
Click here to read detail review

This product can be issued by Invite Only. Please get in touch with your Relationship Manager for more information and if you want to apply for this credit card.

19. Axis Bank Burgundy Private Credit Card

Joining Fee :  Nil (Rs. 50,000/- if customer downgrades the account)
Renewal Fee/ Annual Fee :  Nil (Rs. 50,000/- if customer downgrades the account)

Key feature and Benefits :
No cash withdrawal charges or interest levied till payment due date. No forex mark-up on international transaction
Earn up to 4X Reward Points on select merchant categories, for every ₹ 100 spent.
50 complimentary rounds of golf per year
Enjoy 24×7 concierge services to manage flight bookings, table reservations.
Click here to read detail review

Contact you relationship manager for more information and issuance of this credit card.

20. Axis Bank Magnus Credit Card

Joining Fee :  Rs. 12,500 plus applicable taxes.
Renewal Fee/ Annual Fee :  Rs. 12,500 plus applicable taxes. Annual fee is waived off on spend of Rs. 25 Lakhs in preceding year.

Key feature and Benefits :
Earn 5X Reward Points on spends via Travel eDGE.
Upto 15% off on International & Domestic Oberoi and Trident Hotels.
Enjoy Unlimited Lounge accesses
Click here to read detail review

Disclaimer – List of credit cards in India is curated by myself. I visited these website and created this list to reduce the efforts of others to find info in one click. There is no intend to promote or compare any portal. this just outcome of my search which i have shared for public interest.

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