Leading credit card issuers in India like HDFC Bank, SBI Card, Axis Bank, IndusInd Bank and Standard Chartered Bank offer a number of cards, each catering to unique individual needs like fuel, online shopping, dining, movies, groceries, or a mix of all. Before choosing a card, you must compare the available options. Select the card that offers benefits more suited to your spending patterns and allows you earn maximum value-back. To begin your credit card comparison, here is a list of some of the best credit cards in India along with their annual fee and top features.
Best Credit Cards in India for October 2024
HDFC Diners Club Black Credit Card
Joining fee: ₹10000
Annual/Renewal Fee: ₹10000
Unlimited airport lounge access for primary and add-on members
High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent
Product Details
- Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
- Annual memberships of Club Marriott, Forbes, Amazon, Swiggy One (3 months) and MMT BLACK on joining
- Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
- Any 2 vouchers of Rs. 500 from Ola cabs, cult.fit Live, BookMyShow, or TataCliQ on Rs. 80,000 monthly spends
- 6 complimentary golf games in a calendar quarter
Axis Bank Reserve Credit Card
Joining fee: ₹50000
Annual/Renewal Fee: ₹50000
Unlimited domestic & international lounge visits via Priority Pass
Low forex mark-up fee of 1.5% with 2X reward points on international spends
Product Details
- Up to 30 EDGE reward points for every Rs. 200 spent
- B1G1 offer on BookMyShow tickets with up to 5 offer tickets per month
- ITC Culinaire, Accorplus, Club Marriott & EazyDiner Prime memberships & offers on Postcard & Oberoi hotels
- 50 free golf rounds every year across select golf courses in India
Axis Atlas Credit Card
Joining fee: ₹5000
Annual/Renewal Fee: ₹5000
2.5X EDGE Miles on Travel spends
Up to 12 international lounge access every year
Product Details
- 2,500 bonus EDGE Miles as welcome benefit
- Up to 5 EDGE Miles per Rs. 100 spent on travel
- Redeem EDGE Miles at value of 1 EDGE Mile = 2 Partner Points
- Milestone benefits of up to 5,000 EDGE Miles
- Up to 18 complimentary domestic lounge visits in a year
HDFC Regalia Gold Credit Card
Joining fee: ₹2500
Annual/Renewal Fee: ₹2500
5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward points per Rs. 150 across all retail spends
Product Details
- Complimentary Club Vistara Silver & MMT Black Elite Memberships
- Gift voucher worth Rs. 2,500 on the payment of joining fee
- 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
- Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers worth Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
YES Bank Paisabazaar PaisaSave Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹499
3% Cashback Points on e-commerce spends, max. 5,000 points/month
Unlimited 1.5% Cashback Points on all other spends
Product Details
- Earned Cashback Points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
- Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
- 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000
Cashback SBI Card
Joining fee: ₹999
Annual/Renewal Fee: ₹999
5% cashback on all online spends
1% cashback across all offline spends
Product Details
- 5% cashback across all online spends with no merchant restriction
- 1% cashback across all offline spends
- Earn cashback of up to Rs. 5,000 per month
- Renewal fee reversed on spending at least Rs. 2 lakh in a year
- 1% fuel surcharge waiver of up to Rs. 100 per month
American Express Platinum Card
Joining fee: ₹66000
Annual/Renewal Fee: ₹66000
Stay vouchers worth Rs. 45,000 from Taj, SeleQtions & Vivanta Hotels
Complimentary access to multiple lounge access programs
Product Details
- Benefits of Rs. 44,300 at the finest hotels/resorts worldwide, like the Four Seasons, Mandarin Oriental, The Ritz-Carlton, etc.
- Access to top-tier hotel loyalty programs, like Marriott Bonvoy™ Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, Radisson Rewards Gold, etc.
- Invitations to VIP-only events & access to pre-sale tickets & some of the best seats at Fashion Week, Grammy Award, Wimbledon, etc.
- Eazy Diner Prime membership with up to 50% off at premium restaurants in India
- Vouchers worth Rs. 35,000 from Taj Hotels, Reliance Brands Ltd., Postcard Hotels on annual spends of Rs. 20 Lakh
Axis Bank SELECT Credit Card
Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
2X EDGE Reward Points acrosss all retail transactions
10,000 EDGE Reward Points worth Rs. 2,000 as welcome benefit
Product Details
- 10 EDGE Reward Points on every Rs. 200 spent
- Flat Rs. 500 off per month on BigBasket on minimum spend of Rs. 3,000
- Rs. 200 off on Swiggy, twice a month, on minimum spend of Rs. 1,000
- Up to 12 complimentary international lounge visits in a year & 2 domestic lounge visits per quarter
- Up to 12 complimentary golf rounds in a year
Tata Neu Infinity HDFC Credit Card
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
8 domestic and 4 international Priority Pass lounge access per year
Product Details
- 1,499 NeuCoins after the first spend within 30 days of card issuance
- 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
- Additional 5% NeuCoins on select spends at Tata Neu app/website
- Low forex markup fee of 2%
IndianOil RBL Bank XTRA Credit Card
Joining fee: ₹1500
Annual/Renewal Fee: ₹1500
Up to 8.5% savings on IOCL fuel spends
1,000 Fuel Points on reaching Rs. 75,000 quarterly spends
Product Details
- Save 7.5% as 15 Fuel Points per Rs. 100 spent on IOCL fuel
- 1% fuel surcharge waiver on fuel spends of Rs. 500 to Rs. 4,000
- 2 Fuel Points per Rs. 100 spent on other categories; 1 Fuel Point = Rs. 0.50 for IOCL fuel purchase
- 3,000 Fuel Points as welcome benefit on making 1st card spend of min. Rs, 500 within the 1st 30 days
- Annual Fee waived of on Rs. 2.75 lakh annual spends
Note: HDFC Infinia is not included in the above list as it is an invite-only card.
Apart from the above-mentioned top credit cards in India, the best credit cards also vary across different categories. We have further listed the 25 best credit cards in India across multiple categories- Cashback & Shopping, Rewards, Travel, Premium, and Fuel. We have talked about the major benefits of the cards along with a few reasons why we recommend them and which is the best credit card in India 2024 for each category. As per your spending patterns and preferences, choosing the ‘best credit card’ may be subjective. To find the right one you must always analyze your spends and accordingly look for a better credit card if any.
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