Best Credit Cards in India Jun 2020, Instant Apply Online

List of Top 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.

List of Top 10 Credit Cards of India

Credit Card Name Annual Fee
Yatra SBI Card Rs. 499
Air India SBI Signature Rs. 4,999
SimplySAVE SBI Card Rs. 499
BPCL SBI Card Rs. 499
SBI Unnati Card Nil / Free
HDFC MoneyBack Credit Card Rs. 500
RBL Bank Platinum Maxima Credit Card Rs. 2,000
SBI Platinum Card Rs. 2,999
ICICI Bank HPCL coral Credit Card Rs. 199
Standard Chartered Super Value Titanium Card Rs. 750
SimplyCLICK SBI Card Nil / Free

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.

Here’s a list of Free Credit Cards in India.

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

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