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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
Best Credit Cards in India 2024 (by Category):
| Category | Card | Issuer | Annual Fee | Key Benefits |
|---|---|---|---|---|
| Travel Rewards | Axis Bank Vistara Signature Credit Card | Axis Bank | ₹3,000 | Up to 25% instant discount on Vistara bookings, complimentary lounge access, airline miles |
| HDFC Diners Club Club Miles Credit Card | HDFC Bank | ₹5,000 | Miles for international and domestic travel, airport lounge access, priority boarding | |
| SBI SimplySave Credit Card | SBI | ₹499 | 10% instant discount on MakeMyTrip bookings, fuel surcharge waiver, reward points | |
| Cashback | Citi Rewards Credit Card | Citibank | ₹300 | 1% cashback on all spends, bonus points on dining and groceries, no transaction fee |
| Axis Bank Ace Credit Card | Axis Bank | ₹499 | Up to 5% cashback on Amazon, Flipkart, Swiggy & Zomato, fuel surcharge waiver | |
| ICICI Cashback Credit Card | ICICI Bank | ₹499 | 2.5% cashback on all spends, 5% on departmental stores, 10% on movie tickets | |
| Fuel | BPCL SBI Card Octane | SBI | ₹1,499 | 7.25% cashback on BPCL fuel, free movie tickets, airport lounge access |
| IndianOil HDFC Credit Card | HDFC Bank | ₹500 | 6% cashback on IndianOil fuel, bonus points on grocery spends, accident cover | |
| HPCL SmartPay Credit Card | ICICI Bank | ₹250 | 4% cashback on HPCL fuel, movie ticket discounts, dining offers | |
| Premium Rewards | American Express Platinum Charge Card | American Express | ₹50,000 | Airport lounge access, travel insurance, exclusive member offers, global concierge service |
| HDFC Regalia Credit Card | HDFC Bank | ₹7,500 | Reward points for travel and dining, airport lounge access, priority boarding, golf benefits | |
| Axis Bank Magnus Credit Card | Axis Bank | ₹4,999 | Miles for international and domestic travel, complimentary lounge access, movie ticket discounts | |
| Student | Axis Bank Insta Credit Card | Axis Bank | ₹250 | Easy card approval, instant rewards on online spends, movie ticket discounts |
| SBI Student Plus Advantage Card | SBI | ₹250 | No joining fee, insurance coverage, discounts on movies and shopping | |
| ICICI Instant Platinum Credit Card | ICICI Bank | Nil | Pre-approved for students with good academic record, rewards on online spends, movie offers |
Best Credit Cards in India 2024 (by Bank)
HDFC:
| Card | Category | Annual Fee | Key Benefits |
|---|---|---|---|
| HDFC Diners Club Club Miles Credit Card | Travel Rewards | ₹5,000 | Miles for international and domestic travel, airport lounge access, priority boarding |
| HDFC Regalia Credit Card | Premium Rewards | ₹7,500 | Reward points for travel and dining, airport lounge access, priority boarding, golf benefits |
| HDFC Millennia Credit Card | Cashback & Rewards | ₹500 | Up to 5% cashback on Amazon/Flipkart, bonus points on dining/fuel, weekend movie offers |
| HDFC Freedom Credit Card | Cashback & Rewards | ₹500 | Up to 5% cashback on Swiggy/Zomato, bonus rewards on groceries/utilities, 1% cashback on all spends |
Axis Bank:
| Card | Category | Annual Fee | Key Benefits |
|---|---|---|---|
| Axis Bank Vistara Signature Credit Card | Travel Rewards | ₹3,000 | Up to 25% instant discount on Vistara bookings, complimentary lounge access, airline miles |
| Axis Bank Magnus Credit Card | Premium Rewards | ₹4,999 | Miles for international and domestic travel, complimentary lounge access, movie ticket discounts |
| Axis Bank Ace Credit Card | Cashback | ₹499 | Up to 5% cashback on Amazon/Flipkart/Swiggy/Zomato, fuel surcharge waiver |
| Axis Bank Neo Credit Card | Cashback & Rewards | ₹250 | 2% cashback on all spends, bonus points on dining/movies, free movie tickets |
ICICI Bank:
| Card | Category | Annual Fee | Key Benefits |
|---|---|---|---|
| ICICI Cashback Credit Card | Cashback | ₹499 | 2.5% cashback on all spends, 5% on departmental stores, 10% on movie tickets |
| ICICI HPCL SmartPay Credit Card | Fuel | ₹250 | 4% cashback on HPCL fuel, movie ticket discounts, dining offers |
| ICICI Instant Platinum Credit Card | Student | Nil | Pre-approved for students with good academic record, rewards on online spends, movie offers |
| ICICI Sapphire International Credit Card | Travel Rewards | ₹4,999 | Miles for international and domestic travel, airport lounge access, emergency overseas assistance |
SBI:
| Card | Category | Annual Fee | Key Benefits |
|---|---|---|---|
| SBI SimplySave Credit Card | Travel & Cashback | ₹499 | 10% instant discount on MakeMyTrip bookings, fuel surcharge waiver, reward points |
| SBI Yatra SBI Credit Card | Travel | ₹499 | Up to 15% discount on Yatra bookings, airport lounge access, travel insurance |
| SBI Smart Plus Advantage Card | Student | ₹250 | No joining fee, insurance coverage, discounts on movies and shopping |
| SBI Elite Credit Card | Premium Rewards | ₹5,000 | Reward points for travel and dining, airport lounge access, priority boarding, golf benefits |
Kotak Mahindra Bank:
| Card | Category | Annual Fee | Key Benefits |
|---|---|---|---|
| Kotak Mahindra Prime Credit Card | Premium Rewards | ₹7,500 | Reward points for travel and dining, airport lounge access, priority boarding, movie benefits |
| Kotak 811 World Mastercard | Premium Rewards | ₹4,999 | Reward points for travel and dining, airport lounge access, travel insurance |
| Kotak Super Platinum Card | Cashback & Rewards | ₹999 | Up to 5% cashback on Amazon/Flipkart, bonus points on dining/fuel, airport lounge access |
| Kotak Mahindra Royale Sapphire Debit Card | Cashback & Rewards | ₹699 | Up to 5% cashback on Amazon/Flipkart, bonus points on dining/movies, airport lounge access (Debit Card, not Credit Card) |
IndusInd Bank:
| Card | Category | Annual Fee | Key Benefits |
|---|---|---|---|
| IndusInd Bank Legend Credit Card | Premium Rewards | ₹3,000 | Miles for international and domestic travel, airport lounge access, dining offers |
| IndusInd Bank Pioneer Heritage Credit Card | Travel & Cashback | ₹1,499 | Up to 20% instant discount on Cleartrip bookings, fuel surcharge waiver, reward points |
| IndusInd Bank Indulge Credit Card | Cashback & Rewards | ₹999 | Up to 5% cashback on Amazon/Flipkart, bonus points on dining/movies, airport lounge access |
| IndusInd Bank EazyDiner Credit Card | Dining | ₹1,999 | 25% 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.