There are many credit card providers in India, who offer a host of benefits and features with each card. If you are a salaried individual, a credit card is a good finance option for you. It can help you pay for many expenses such as bills, debts, and the like when you are short of funds. However, in reality, there is no single credit card, that is best suited for everybody. Each credit card offers different benefits and has its own intended use. Following is a list of the best credit cards in India. You can compare credit cards in India and choose the one that fits your needs, budget, and lifestyle.
Whether you are a government employee or work in the private sector, this is the best credit card in India for you, if you are salaried. It offers 1000 reward points if you conduct a transaction within 60 days of receiving it and 5X rewards points if you spend INR 150 on dining and fuel. You can enjoy 20% cashback on Uber rides and several offers and discounts across various dining, shopping, and travel expenses. This makes it one of the best credit cards in India for travel.
You can opt for this card if your credit score is less. Housewives, non-salaried individuals, and students usually opt for this card. Having a savings account with ICICI bank speeds up the process for credit card approval. This is the best credit card in India with no annual fee because the benefits are aplenty. You receive 2 PAYBACK points for every INR 100 you spend and INR 100 off on up to 2 tickets every month purchased at BookMyShow. The bank’s Culinary Treats program provides at least 15% discount on dining across 800 restaurants as well. The interest rate is low, too, at 2.49% per month.
This is considered as one of the best premium credit cards in India. It has an annual fee of INR 999. However, this fee can be waived off. It is ideal for salaried people who incur annual expenses between INR 1 lakh to INR 2 lakh. It offers 5% cashback on grocery-related expenses, at departmental stores and supermarkets like More and Big Bazaar. You can also enjoy several offers and discounts on many hotels and lifestyles stores in addition to a 20% cashback on Uber rides. Without a doubt, you can compare credit cards in India with this worthy contender.
This is the perfect card for you if you book a lot of movies or make many payments online. When you compare credit cards in India, you have to consider this card. The annual fee is INR 500 and you need a healthy credit history to obtain this card. It offers 5% cashback on telephone bill payments, movie ticket purchases, and all other spends. There are even exclusive discounts and offers on shopping and dining that you can avail of.
If you commute to your office using your car or refill your car more than twice a month, this card is for you. It offers various benefits via Indian Oil fuel stations. This is the second best credit card in India with no annual fee. However, if you do not utilize the card for more than INR 30,000 per year, you may have to pay an annual fee of INR 1,000. With this card, any fuel surcharge is fully waived off. Every INR 150 you spend on groceries earns you 2 Turbo points in selected supermarkets and every INR 150 spent on dining and shopping earns you 1 Turbo point. Moreover, for every INR 150 spent on purchasing fuel at Indian Oil petrol pumps, you earn 4 Turbo points.
This is the third best credit card in India with no annual fee, which allows you to get three more credit cards for children, spouses, parents, and the like. It offers a host of benefits. There is a fuel surcharge waiver of 2.5% on fuel expenses. You earn 2 reward points for every INR 150 spent. From the purchase date, you can avail of up to 50 days of no interest payment. Lastly, there is no liability on you if you report the lost credit card within 24 hours. With this card, you can save a bundle on fuel by redeeming reward points.
This has to be one of the best premium credit cards in India. It is perfect for online shoppers and salaried individuals who have a good credit history score. An SBI salary account can smoothen the approval process for this card. It has an annual fee of INR 499, which is waived off if your annual spends exceed INR 1 lakh. On joining, you will receive an Amazon gift card worth INR 500. You earn 10X points with online transactions through Foodpanda, Cleartrip, UrbanClap, Amazon, and Lenskart, among others. For each fuel transaction that costs between INR 500 and INR 3,000, you can avail of a 1% fuel surcharge waiver.
The aforementioned best credit cards in India should definitely be considered. When you compare credit cards in India, you will find that each card has a specific purpose, as described above. The best credit card in India for travel will help you if you are a globetrotter and love exploring new places. The best credit card with no annual fee will be easy on the wallet and ideal if you are on a budget. Similarly, there are credit cards for online shopping, fuel consumptions, and dining experiences. Consider your needs and preferences thoroughly before making a decision to sign up for the best premium credit card in India.
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