Best Credit Cards in India Oct 2019 – Compare online 50+ Credit Card

List of Top 50+ Credit Card in India on the basis of Income/ Salary Traveling Dining Entertainment Shopping Rewards Points Petrol Fuel Offers Lifetime Free Cards. EMI Schemes on Ebay, Snapdeal, Flipkart, Amazon, Jabong, Myntra Shopping Offer You can also check Zero Fee, Free Life time credits which offers basic deals.

Confused among features & benefits of different credit cards? Check these features before applying for any credit card:
Standard Chartered Credit Card
Fees and charges
Latest offers on Travel
Offers on Entertainment
Offers on Dining
Savings on fuel
Benefits on online transactions & shopping
Accidental cover
Rewards points & cash back

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HDFC Bank Credit Card | SBI Card | American Express

Credit cards are now a need that very few of us can ignore. In today’s world, everything is online and most people prefer plastic money over cash. So, in order to determine the best credit card as per your requirement, you must be aware of the benefits and features of different cards available in the market. The best way to choose a credit card is to be very true with your requirements and spending tendencies. If you choose a card whose reward structure matches your need, you can surely save yourself from debt. For eg. If you travel a lot by flight, a airlines miles card would be beneficial for you and if you drive a lot, a fuel card would be more useful.

Top 10 Credit Cards of India

Card Name Fee & Charges
Yatra SBI Card
  • Annual Fee:₹499 (one-time)
  • Renewal Fee:₹499 (per annum)
  • Add-on Fee: Nil (per annum)
Air India SBI Signature
  • Annual Fee:₹4,999 (one-time)
  • Renewable Fee:₹4,999 (per annum)
  • Add-on Fee: Nil (per annum)
SimplySAVE SBI Card
  • Annual Fee: ₹499 (one-time)
  • Renewal Fee:₹499 (per annum)
  • Add on Fee: Nil (per annum)
Everyday Spend Gold Credit Card
  • Annual Card Fee:₹495+ Taxes
BPCL SBI Card
  • Joining Fee:₹499
  • Renewable Fee:₹499( per annum)
  • Add-on Fee: Nil (per annum)
HDFC MoneyBack Credit Card
  • First Year Membership Fee – ₹500
  • Renewal Membership Fee – ₹500
RBL Bank Platinum Maxima Credit Card
  • Annual Fee – ₹2,000

List of Best Credit Cards in India

SBI Simply Save Card

  • Joining Fee – ₹ 499
  • Get ₹ 100 cash back on first ATM withdrawal
  • 2.5% Fuel Surcharge Waiver*
  • 4 Reward Points = ₹ 1 X Dining
  • Worldwide acceptance
  • Easy EMIs with Flexipay

SBI Platinum Card

  • Joining Fee – ₹ 2999
  • Welcome e-Gift worth ₹ 3,000
  • 5 Reward Points = ₹ 1 X Dining
  • Access to more than 300 golf courses across the world
  • Balance transfer on EMI
  • Get a card for anyone from family
SBI Signature Card
SBI Signature Card
  • Joining Fee – ₹ 4999
  • Welcome e-Gift worth ₹ 5,000
  • Get ₹ 500 off on BookMyShow on every month transaction
  • Earn ₹ 20,000 bonus Reward Points every year
  • Replace your card anywhere in the world

ICICI Platinum Credit Card

ICICI Bank HPCL coral Credit Card

  • Joining Fee – ₹ 199 + service tax
  • Annual Fee – NIL (First year)
  • Reduce Fuel Bills with 2.5% Cashback
  • Save up to 15% on your dining bill
  • Enjoy ₹ 100 discount every month on up to 2 movie tickets

HDFC Moneyback Credit Card

HDFC Bank Moneyback Credit Card

  • Annual Fee – Nil
  • Joining Fee – Nil
  • 2 Reward Points (RP) on Rs 150 spent. 3X Reward Points on online spends
  • Redeem Reward points as CashBack on your MoneyBack Credit Card (100 Reward Points = Rs 40)
  • Fuel Surcharge Waiver capped at ₹ 250 every billing cycle (ST applicable).
ICICI Rubyx Card

ICICI Bank Rubyx Credit Card

  • Joining Fee – ₹ 3,000 + service tax
  • Annual Fee – ₹ 2,000 (2nd year onwards; waived off if spends cross ₹ 2,50,000 in the previous year)
  • Welcome Gift: Sennheiser HD219 Headphones
  • Buy 1 ticket and get the other ticket free any day of the week, on www.bookmyshow.com. Get up to 2 free tickets per month valued at up to ₹ 250 per ticket.
  • Minimum 15% discount on dining bill at 800 tie-up restaurant
HDFC Titanium Card

HDFC Bank Titanium Times Card

  • 25% discount on Movies & upto 15% discount on Dining
  • Welcome gift vouchers for shopping, apparel, dining & much more
  • 5 Reward Points on every ₹ 150 spent for Weekday Dining
  • 2 Reward Points on every ₹ 150 spent – All other spends
HDFC Platinum Card

HDFC Bank Platinum Edge

  • Redeem Reward points against the outstanding balance on your Credit card
  • 2 points per ₹ 150 spent + 50% more Reward points on Dining spends
  • 100 Reward points = ₹ 30 CashBack
  • Interest free credit facility up to 50 days from the date of purchase
HDFC Solitaire Card

HDFC Bank Solitaire Credit Card

  • 3 points per ₹ 150 spent + 50% additional points on Grocery & Dining spends
  • Shoppers Stop voucher of ₹ 1,000 on overall spends of ₹ 75,000 every 6 months
  • Fuel surcharge waiver of 2.5% across any petrol pump in India

RBL Bank Platinum Maxima Credit Card

  • Joining Fee : Nil
  • Annual Fess: ₹ 2000 p.a.(2nd year onwards)
  • Renewal fees: ₹ 2000 p.a.*  5 X rewards on Dining, Entertainment, Utility Bills Payments & fuel
  • Benefits worth ₹ 18,000
  • Get additional 10,000 reward points on further achieving 3.5 Lakhs of annual spends on the card
  •  Use your card for purchases of Rs 2 Lakhs or more in a year and get 10,000 reward points
HDFC Platinum Times Card

HDFC Bank Platinum Times Card

  • 25% discount on Movies & upto 20 % discount on Dining (at participating outlets)
  • Welcome gift vouchers for shopping, apparel, dining & much more
  • 10 Reward Points on every Rs 150 spent for Weekday Dining
  • 3 Reward Points on every Rs 150 spent – All other spends
RBL Titanium Card

RBL Bank Titanium Delight Credit Card

  • Joining Fee -Nil
  • Annual Fee – ₹ 750 (2nd year onwards)
  • Benefits worth – ₹ 7500
  • No surcharge on Fuel
  • 5% value back on Big Bazaar every Wednesday
  • Get 4000 Reward Points on purchase of ₹ 1,20,000 or more in a year and get a gift voucher of ₹ 1,000
  • 10% value back on Pizza Hut/Domino’s every Wednesday

HDFC Bank Regalia Credit Card

  • Joining Fees – NIL
  • Annual Fee – ₹ 2500
  • Complimentary Taj Epicure Plus Membership
  • Complimentary Priority Pass Membership to over 850+ airport lounges
  • Lowest foreign currency markup of 2% on all foreign spends
  • 0% of the fuel surcharge

HDFC Bank Teacher’s Platinum Credit Card

  • Joining Fee – NIL
  • Annual Fee – ₹ 500
  • Reward Points – 2 Reward Points per ₹ 150 spent.
  • Weekend Bonanza – 3X Reward Points on weekend spends.
  • 2,400 Reward Points on weekend shopping
  • Gift of 500 Reward Points on Teacher’s Day (5th Sept.) every year
  • 0 Lost Card liability post reporting card loss to bank

Standard Chartered Platinum Rewards Card

  • Annual Fee – 250
  • 5X Reward Points on fuel spends in India
  • Earn 2X Reward Points for every ₹ 150 spend across all categories
  • Get 5X Rewards at leading hotels, dining outlets and more, both in India and overseas

Standard Chartered Super Value Titanium Card

  • Annual Fee – 750
  • 1 Reward Point for every Rs. 100/- spent on all categories
  • 5% cash back on all fuel spends at any petrol pump
  • 5% cash back on mobile and telephone bills
  • 5% cash back on utility bill payments
  • 2.5% surcharge reversal on all petrol pumps

A Credit card is a product which gives you

  1. Freedom to carry cash for your shopping thus adding convenience.
  2. Credit of max 45 days from the day you spend without any charges.
  3. Discounts, Cashback & Rewards on usage on buying certain products.

Things to Keep in Mind Before Choose the Best Credit Card:

Annual Fee – It’s the fee that is charged by bank for giving you a particular Card or service. There are few Credit cards in Indian Industry which are Free.

List of Best Petrol Credit Cards

Best Fuel Credit Card Offers
Citibank Indian oil platinum card Earn 4 Turbo Points for every Rs 150 (2.67%) of fuel purchased, Full waiver of the fuel surcharge (2.5%) on fuel purchases, 1 Turbo Point equals Rs 1 worth of fuel.
ICICI Bank HPCL Platinum Credit Card Up to ₹ 100 Cashback on fuel purchases at HPCL pumps month on month, year on year can be availed when the Card is swiped on ICICI Merchant Services swipe machines, Save on 2.5% fuel surcharge, ₹ 500 Promotional Cashback
Standard Chartered Super Value Titanium Card Earn 5% cashback on fuel spends in India, One time 100% cashback upto Rs 1,500 on fuel spends within 1st 90 days
SBI Simply Save 2.5% Fuel Surcharge Waiver*

Must Read Articles: How to use interest free period in credit cards smartly?
Also, let’s take a look at the Bank wise breakup of the percentage of Credit cards allotted.
Best Credit Cards Market Share - Deal4loans

HDFC is the Indian market leader in issuing credit cards closely followed by SBI Card and ICICI Bank.

Conclusion-

1. If you need a credit card only for ad-hoc basis or just at times that you don’t want to carry cash- opt for any credit card which has no fees. It will save you from any unnecessary charges.
2. If you have your own vehicle and you spend on petrol or diesel for more than 2000 a month- Opt for a petro card and start using that card for your refills- this will increase your overall savings.
3. If you are a frequent flier – Opt for travel cards- it will help you in getting miles or few tickets free in a year and can be the free holiday that you been looking for.

We hope this article was helpful and now you can make a diligent choice about the credit card to apply for.

Updated Information on Credit Cards in India

ICICI Bank launches Emeralde Credit Card …. read more