Best Credit Cards in India Dec 2018 – 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:

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Offers on Dining
Savings on fuel
Benefits on online transactions & shopping
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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.

Best Fuel Credit Cards

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
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 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

American Express® Gold Card

Joining fee : ₹ 1000 plus taxes*
Annual Fees onwards : ₹ 4500 plus taxes*
4,000 Bonus Membership Rewards® Points, to be awarded on using the Card 3 times within the first 60 days of Cardmembership, upon payment of annual fee.
1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month.
Benefits on your travel bookings with MakeMyTrip.com
Enjoy greater flexibility in spending with “no pre-set” limit2
Redeem from the fabulous 18 carat and 24 carat Gold Collection.
Enjoy up to 20% off every time you dine at select restaurant partners.
Get BookMyShow Vouchers worth Rs. 1,000 on Card Approval.

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 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 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 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 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 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 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