25 Best Credit Cards in India

Credit cards placed in keyboard means Best Credit Cards in India

Credit cards placed in keyboard means Best Credit Cards in India

Credit cards have evolved significantly in India, from a luxury to a crucial financial tool for many. They provide convenience, offer a range of rewards like cashback and travel points, and are essential for online and offline purchases. However, with benefits comes the risks of debt if used irresponsibly. Therefore, choosing the right credit card is important whether you’re looking for rewards, savings, or premium benefits.

List of 25 Best Credit Cards in India

Credit Cards Category
SBI Cashback Card Entry Level
American Express Membership Rewards Credit Card (MRCC Entry Level
ICICI Amazon Pay Credit Card Entry Level
Axis Atlas Travel
American Express Platinum Travel Travel
HDFC Marriott Bonvoy Travel
RBL World Safari Travel
Vistara Infinite Airline Credit Cards
IDFC Vistara Airline Credit Cards
SBI Air India Signature Airline Credit Cards
IndusInd Tiger Card Airline Credit Cards
HDFC Regalia Gold Premium Credit Cards
American Express Gold Charge Card Premium Credit Cards
Yes First Reserve Premium Credit Cards
HDFC Tata Neu Infinity Rupay Premium Credit Cards
American Express Platinum Reserve Premium Credit Cards
Axis Magnus for Burgundy Super Premium Credit Cards
HDFC Infinia Super Premium Credit Cards
HDFC Diners Black Metal Super Premium Credit Cards
ICICI Emerald Private Super Premium Credit Cards
Yes Bank Marquee Super Premium Credit Cards
American Express Platinum Ultra-Premium / UHNI Cards
Axis Burgundy Private Ultra-Premium / UHNI Cards
HSBC Premier Ultra-Premium / UHNI Cards
Image show to apply for credit card

Apply for Credit Card with Quick Approval

Here’s a list of some of the best credit cards, categorized based on usage, rewards, and premium benefits:

Entry-Level Credit Cards

These cards are great for first-time users or those with basic spending needs.

Credit Card Annual Fee Minimum Credit Score
SBI Cashback Card ₹500 650
American Express Membership

Rewards Credit Card (MRCC)

₹4,500 750
ICICI Amazon Pay Credit Card ₹500 650

SBI Cashback Card

Key Features:

  • Cashback: Up to 5% cashback on all purchases, with no minimum spend requirement.
  • Fuel Surcharge Waiver: Waives fuel surcharge up to ₹100 per transaction.
  • Reward Points: Earn reward points on all purchases, which can be redeemed for gifts and vouchers.
  • Annual Fee: ₹500 (first year waived)

Eligibility:

  • Minimum annual income of ₹1.5 lakhs
  • Good credit history

American Express Membership Rewards Credit Card (MRCC)

Key Features:

  • Membership Rewards Points: Earn 1.5 Membership Rewards points on every ₹100 spent.
  • Transferability: Transfer points to airline and hotel loyalty programs.
  • Concierge Services: Access to personalized concierge services.
  • Annual Fee: ₹4,500

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Excellent credit history

ICICI Amazon Pay Credit Card

Key Features:

  • Cashback: Up to 10% cashback on Amazon purchases.
  • Amazon Prime Benefits: Enjoy Amazon Prime membership benefits, including free delivery, streaming services, and early access to deals.
  • Reward Points: Earn reward points on all purchases, which can be redeemed for Amazon gift cards.
  • Annual Fee: ₹500 (first year waived)

Eligibility:

  • Minimum annual income of ₹2 lakhs
  • Good credit history

Premium Credit Cards

If you’re looking for exclusive perks, these premium cards offer high-end benefits and rewards:

Credit Card Annual Fee Minimum Credit Score
HDFC Regalia Gold ₹2,500 650
American Express Gold Charge Card ₹4,500 750
Yes First Reserve ₹3,000 700
HDFC Tata Neu Infinity Rupay ₹3,500 700
American Express Platinum Reserve ₹25,000 800

HDFC Regalia Gold

Key Features:

  • Lounge Access: Complimentary access to domestic and international airport lounges.
  • Travel Insurance: Comprehensive travel insurance coverage.
  • Reward Points: Earn reward points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Annual Fee: ₹2,500

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history

American Express Gold Charge Card

Key Features:

  • Membership Rewards Points: Earn Membership Rewards points on all purchases, which are transferable to airline and hotel loyalty programs.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹4,500

Eligibility:

  • Minimum annual income of ₹5 lakhs
  • Excellent credit history

Yes First Reserve

Key Features:

  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Reward Points: Earn reward points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹3,000

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history

HDFC Tata Neu Infinity Rupay

Key Features:

  • Tata Neu Points: Earn Tata Neu points on all purchases, redeemable for discounts and offers on Tata group products and services.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Reward Points: Earn reward points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Annual Fee: ₹3,500

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history

American Express Platinum Reserve

Key Features:

  • Membership Rewards Points: Earn Membership Rewards points on all purchases, which are transferable to airline and hotel loyalty programs.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history
Speed Meter displayed 750 excellent shows to check credit score online for free

Check Your Credit Score for Free

Also get a Free Credit Report

Travel Credit Cards

Designed for frequent travelers, these cards come with exclusive travel-related perks like lounge access, hotel discounts, and air miles:

Credit Card Annual Fee Minimum Credit Score
Axis Atlas ₹3,000 700
American Express Platinum Travel ₹25,000 800
HDFC Marriott Bonvoy ₹3,500 700
RBL World Safari ₹3,000 700

Axis Atlas

Key Features:

  • Lounge Access: Complimentary access to domestic and international airport lounges.
  • Travel Insurance: Comprehensive travel insurance coverage.
  • Reward Points: Earn reward points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Annual Fee: ₹3,000

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history

American Express Platinum Travel

Key Features:

  • Membership Rewards Points: Earn Membership Rewards points on all purchases, which are transferable to airline and hotel loyalty programs.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history

HDFC Marriott Bonvoy

Key Features:

  • Marriott Bonvoy Points: Earn Marriott Bonvoy points on all purchases, redeemable for hotel stays, upgrades, and other benefits.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Reward Points: Earn reward points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Annual Fee: ₹3,500

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history

RBL World Safari

Key Features:

  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Reward Points: Earn reward points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹3,000

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history
Image shown to apply for credit card

Apply for Credit Card with Quick Approval

Airline Credit Cards

For those who frequently fly with specific airlines, these cards offer air miles and lounge access:

Credit Card Annual Fee Minimum Credit Score
Vistara Infinite ₹3,500 700
IDFC Vistara ₹1,500 650
SBI Air India Signature ₹3,000 650
IndusInd Tiger Card ₹2,500 700

Vistara Infinite

Key Features:

  • Vistara Points: Earn Vistara points on all purchases, redeemable for flights, upgrades, and other benefits.
  • Lounge Access: Complimentary access to domestic and international airport lounges.
  • Travel Insurance: Comprehensive travel insurance coverage.
  • Annual Fee: ₹3,500

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history

IDFC Vistara

Key Features:

  • Vistara Points: Earn Vistara points on all purchases, redeemable for flights, upgrades, and other benefits.
  • Lounge Access: Complimentary access to domestic and international airport lounges.
  • Travel Insurance: Comprehensive travel insurance coverage.
  • Annual Fee: ₹1,500

Eligibility:

  • Minimum annual income of ₹2 lakhs
  • Good credit history

SBI Air India Signature

Key Features:

  • Air India Miles: Earn Air India miles on all purchases, redeemable for flights, upgrades, and other benefits.
  • Lounge Access: Complimentary access to domestic and international airport lounges.
  • Travel Insurance: Comprehensive travel insurance coverage.
  • Annual Fee: ₹3,000

Eligibility:

  • Minimum annual income of ₹2.5 lakhs
  • Good credit history

IndusInd Tiger Card

Key Features:

  • Reward Points: Earn reward points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Lounge Access: Complimentary access to domestic and international airport lounges.
  • Travel Insurance: Comprehensive travel insurance coverage.
  • Annual Fee: ₹2,500

Eligibility:

  • Minimum annual income of ₹3 lakhs
  • Good credit history

Also Read: Top 10 Credit Cards for Airport Lounge Access in India

Super Premium Credit Cards

For those seeking unparalleled luxury and exclusivity, these super-premium cards are designed to cater to high-net-worth individuals:

Credit Card Annual Fee Minimum Credit Score
Axis Magnus for Burgundy ₹25,000 800
HDFC Infinia ₹25,000 800
HDFC Diners Black Metal ₹25,000 800
ICICI Emerald Private ₹25,000 800
Yes Bank Marquee ₹25,000 800

Axis Magnus for Burgundy

Key Features:

  • Luxury Benefits: Access to exclusive experiences, luxury hotels, and private jets.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history

HDFC Infinia

Key Features:

  • Luxury Benefits: Access to exclusive experiences, luxury hotels, and private jets.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history

HDFC Diners Black Metal

Key Features:

  • Luxury Benefits: Access to exclusive experiences, luxury hotels, and private jets.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history

ICICI Emerald Private

Key Features:

  • Luxury Benefits: Access to exclusive experiences, luxury hotels, and private jets.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history

Yes Bank Marquee

Key Features:

  • Luxury Benefits: Access to exclusive experiences, luxury hotels, and private jets.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history
Pouch bag filled with gold coins with a rupee symbol on it representing to apply for personal loan online

Apply for Personal Loan with Quick Approval

Ultra-Premium / UHNI Cards

For the ultra-wealthy and UHNI individuals, these cards offer top-tier benefits, including access to exclusive events, personal concierge services, and more:

Credit Card Annual Fee Minimum Credit Score
American Express Platinum ₹25,000 800
Axis Burgundy Private ₹25,000 800
HSBC Premier ₹15,000 750

American Express Platinum

Key Features:

  • Membership Rewards Points: Earn Membership Rewards points on all purchases, transferable to airline and hotel loyalty programs.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history

Axis Burgundy Private

Key Features:

  • Luxury Benefits: Access to exclusive experiences, luxury hotels, and private jets.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹25,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history

HSBC Premier

Key Features:

  • Premier Rewards Points: Earn Premier Rewards points on all purchases, redeemable for travel, merchandise, and gift vouchers.
  • Travel Benefits: Complimentary airport lounge access, travel insurance, and hotel discounts.
  • Concierge Services: Personalized concierge assistance for travel arrangements, dining reservations, and more.
  • Annual Fee: ₹15,000

Eligibility:

  • Minimum annual income of ₹10 lakhs
  • Excellent credit history
Speed Meter displaying 750 excellent means to check free credit score online

Check Your Credit Score for Free

Also get a Free Credit Report

Key Factors to Consider When Choosing a Credit Card

Annual Fees

While many premium cards come with high annual fees, some of the best credit cards in India with no annual fee offer substantial benefits without the cost. It’s important to evaluate whether the rewards, discounts, and perks justify the fee. For cards with high fees, check if there’s an option to waive the fee based on your annual spending.

Interest Rates

Interest rates on credit cards can vary significantly. Be sure to compare rates and choose a card with competitive terms, especially if you don’t plan to pay off the full balance every month. To avoid paying interest, consider cards that offer 0% introductory APR or rewards for full payment.

Rewards and Benefits

The reward structure is one of the main reasons to get a credit card. Some cards focus on cashback (ideal for everyday use), while others offer travel points or lifestyle rewards. When selecting, ensure the rewards align with your spending habits. For example, the best credit card for daily use could be one that offers cashback on groceries and utilities, while frequent travelers may prefer cards that offer airline miles.

Eligibility Criteria

Each credit card has different eligibility requirements based on income, credit score, and employment status. Most premium credit cards in India have higher income thresholds, while entry-level cards are more accessible for salaried individuals. Check the minimum requirements before applying.

Customer Service and Support

Efficient customer support is crucial, especially in cases of fraud, disputes, or lost cards. Choose a card from a bank known for responsive customer service and convenient channels like online and mobile banking. Good customer support can significantly enhance your card experience.

Conclusion

In conclusion, selecting the best credit card in India depends on your lifestyle, financial goals, and spending habits. Whether you’re looking for a no-annual-fee card, a premium travel card, or a super-premium luxury card, there’s something for everyone. Always consider the benefits against the costs, and most importantly, use your credit card responsibly to avoid debt and enjoy the full benefits of your chosen card.

Download Personal Loan App

Get a loan instantly! Best Personal Loan App for your needs!!

Looking for an instant loan? Buddy Loan helps you get an instant loan from the best RBI-approved lenders. Download the Buddy Loan App from the Play Store or App Store and apply for a loan now!

Image shown of Buddy Loan Logo

Apply for Loan on BUDDYLOAN App

Interest rates starts @11.99% p.a. onwards

Download App


Image shown of Play Store Logo

Rated 4.5 on Google Play


Image shown of App Store Logo

10M+ App Installs

Having any queries? Do reach us at info@buddyloan.com

Frequently Asked Questions

Q. Which credit card offers the best cashback benefits in India?
A.
The HDFC Millennia Credit Card and Amazon Pay ICICI Bank Credit Card offer some of the best cashback benefits in India.

Q. What are the eligibility criteria for applying for the best credit cards in India?
A.
Eligibility includes age (18-65 years), a steady income, and a good credit score (usually 700+).

Q. How can I compare the features of the top 25 credit cards in India?
A.
You can compare features on financial websites like BankBazaar, Paisabazaar, or the official bank websites.

Q. Which credit card is best for frequent travelers in India?
A.
The SBI Elite Credit Card and HDFC Diners Club Privilege Card are ideal for frequent travelers due to travel rewards and airport lounge access.

Q. What are the annual fees for the best credit cards in India?
A.
Annual fees range from ₹500 to ₹5,000, depending on the card type and its benefits.

Q. How do I apply for the top credit cards in India online?
A.
You can apply online through the bank’s official website or financial portals by filling in the required details and submitting documents.

Q. Which credit card offers the best rewards program in India?
A.
The American Express Membership Rewards Card offers an excellent rewards program with flexible redemption options.

Q. What are the benefits of using a premium credit card in India?
A.
Premium credit cards offer higher rewards, lounge access, concierge services, and exclusive deals on travel, dining, and shopping.

Q. How can I maximize the benefits of my credit card in India?
A.
Maximize benefits by using your card for eligible transactions, paying bills on time, and leveraging cashback and rewards programs effectively.