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Best Credit Cards in India 2024

Discover the best credit cards in India with our comprehensive comparison guide. Explore features, benefits, interest rates, and rewards to find the perfect credit card that suits your financial needs

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Best Credit Cards in India 2024 (by Category):

CategoryCardIssuerAnnual FeeKey Benefits
Travel RewardsAxis Bank Vistara Signature Credit CardAxis Bank₹3,000Up to 25% instant discount on Vistara bookings, complimentary lounge access, airline miles
 HDFC Diners Club Club Miles Credit CardHDFC Bank₹5,000Miles for international and domestic travel, airport lounge access, priority boarding
 SBI SimplySave Credit CardSBI₹49910% instant discount on MakeMyTrip bookings, fuel surcharge waiver, reward points
CashbackCiti Rewards Credit CardCitibank₹3001% cashback on all spends, bonus points on dining and groceries, no transaction fee
 Axis Bank Ace Credit CardAxis Bank₹499Up to 5% cashback on Amazon, Flipkart, Swiggy & Zomato, fuel surcharge waiver
 ICICI Cashback Credit CardICICI Bank₹4992.5% cashback on all spends, 5% on departmental stores, 10% on movie tickets
FuelBPCL SBI Card OctaneSBI₹1,4997.25% cashback on BPCL fuel, free movie tickets, airport lounge access
 IndianOil HDFC Credit CardHDFC Bank₹5006% cashback on IndianOil fuel, bonus points on grocery spends, accident cover
 HPCL SmartPay Credit CardICICI Bank₹2504% cashback on HPCL fuel, movie ticket discounts, dining offers
Premium RewardsAmerican Express Platinum Charge CardAmerican Express₹50,000Airport lounge access, travel insurance, exclusive member offers, global concierge service
 HDFC Regalia Credit CardHDFC Bank₹7,500Reward points for travel and dining, airport lounge access, priority boarding, golf benefits
 Axis Bank Magnus Credit CardAxis Bank₹4,999Miles for international and domestic travel, complimentary lounge access, movie ticket discounts
StudentAxis Bank Insta Credit CardAxis Bank₹250Easy card approval, instant rewards on online spends, movie ticket discounts
 SBI Student Plus Advantage CardSBI₹250No joining fee, insurance coverage, discounts on movies and shopping
 ICICI Instant Platinum Credit CardICICI BankNilPre-approved for students with good academic record, rewards on online spends, movie offers

Best Credit Cards in India 2024 (by Bank)

HDFC:

CardCategoryAnnual FeeKey Benefits
HDFC Diners Club Club Miles Credit CardTravel Rewards₹5,000Miles for international and domestic travel, airport lounge access, priority boarding
HDFC Regalia Credit CardPremium Rewards₹7,500Reward points for travel and dining, airport lounge access, priority boarding, golf benefits
HDFC Millennia Credit CardCashback & Rewards₹500Up to 5% cashback on Amazon/Flipkart, bonus points on dining/fuel, weekend movie offers
HDFC Freedom Credit CardCashback & Rewards₹500Up to 5% cashback on Swiggy/Zomato, bonus rewards on groceries/utilities, 1% cashback on all spends

Axis Bank:

CardCategoryAnnual FeeKey Benefits
Axis Bank Vistara Signature Credit CardTravel Rewards₹3,000Up to 25% instant discount on Vistara bookings, complimentary lounge access, airline miles
Axis Bank Magnus Credit CardPremium Rewards₹4,999Miles for international and domestic travel, complimentary lounge access, movie ticket discounts
Axis Bank Ace Credit CardCashback₹499Up to 5% cashback on Amazon/Flipkart/Swiggy/Zomato, fuel surcharge waiver
Axis Bank Neo Credit CardCashback & Rewards₹2502% cashback on all spends, bonus points on dining/movies, free movie tickets

ICICI Bank:

CardCategoryAnnual FeeKey Benefits
ICICI Cashback Credit CardCashback₹4992.5% cashback on all spends, 5% on departmental stores, 10% on movie tickets
ICICI HPCL SmartPay Credit CardFuel₹2504% cashback on HPCL fuel, movie ticket discounts, dining offers
ICICI Instant Platinum Credit CardStudentNilPre-approved for students with good academic record, rewards on online spends, movie offers
ICICI Sapphire International Credit CardTravel Rewards₹4,999Miles for international and domestic travel, airport lounge access, emergency overseas assistance

SBI:

CardCategoryAnnual FeeKey Benefits
SBI SimplySave Credit CardTravel & Cashback₹49910% instant discount on MakeMyTrip bookings, fuel surcharge waiver, reward points
SBI Yatra SBI Credit CardTravel₹499Up to 15% discount on Yatra bookings, airport lounge access, travel insurance
SBI Smart Plus Advantage CardStudent₹250No joining fee, insurance coverage, discounts on movies and shopping
SBI Elite Credit CardPremium Rewards₹5,000Reward points for travel and dining, airport lounge access, priority boarding, golf benefits
 

Kotak Mahindra Bank:

CardCategoryAnnual FeeKey Benefits
Kotak Mahindra Prime Credit CardPremium Rewards₹7,500Reward points for travel and dining, airport lounge access, priority boarding, movie benefits
Kotak 811 World MastercardPremium Rewards₹4,999Reward points for travel and dining, airport lounge access, travel insurance
Kotak Super Platinum CardCashback & Rewards₹999Up to 5% cashback on Amazon/Flipkart, bonus points on dining/fuel, airport lounge access
Kotak Mahindra Royale Sapphire Debit CardCashback & Rewards₹699Up to 5% cashback on Amazon/Flipkart, bonus points on dining/movies, airport lounge access (Debit Card, not Credit Card)

IndusInd Bank:

CardCategoryAnnual FeeKey Benefits
IndusInd Bank Legend Credit CardPremium Rewards₹3,000Miles for international and domestic travel, airport lounge access, dining offers
IndusInd Bank Pioneer Heritage Credit CardTravel & Cashback₹1,499Up to 20% instant discount on Cleartrip bookings, fuel surcharge waiver, reward points
IndusInd Bank Indulge Credit CardCashback & Rewards₹999Up to 5% cashback on Amazon/Flipkart, bonus points on dining/movies, airport lounge access
IndusInd Bank EazyDiner Credit CardDining₹1,99925% up to 50% OFF at over 2000+ premium restaurants & bars

How to apply for credit cards at Fincover?

  • Log onto “Fincover.com”
  • Select “Credit Cards” and Click Apply now
  • Enter the required information
  • Upon providing the information, you can see credit card options from multiple banks
  • Compare, analyse and apply for the best card that suits your requirements.
  • Submit the necessary documents, and the application will be forwarded to the bank concerned. A representative from the bank will call you soon for documentation.
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FAQ

You can learn more from our asked questions
A credit card allows you to spend upto a pre-set limit. You would get a bill on a monthly basis for what you've spent each month. It is important to settle all your dues to avoid interest charges
If you carry a balance in the credit card, then the credit card issuer will charge an interest on what you owe to them. For credit cards, interest is typically expressed on an yearly rate known as Annual Interest rate (APR). Though it is expressed on an annual rate, credit card companies use it calculate the interest during your monthly statement generation. Generally, the interest rates on credit cards range from 2.5% to 3.5%.
Yes, you can withdraw cash from any ATM using your credit card. However, it is best advised to use your credit card issuing company's ATM. For cash advance, 2.5% of the transaction value or Rs. 500 (whichever is higher) is levied usually. The charges vary from bank to bank.
Yes, you can convert your credit card transactions into EMIs. For converting the same, you will be levied a small processing charge along with the interest charge. Some banks, provide no-cost EMIs on credit cards as a part of their promotional campaigns.
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