Airport Lounge Access
5X rewards on Nykaa, Myntra & more
Vouchers up to Rs. 16,000 every year
HDFC Regalia Gold Credit 
Joining Fee: Rs. 2,500
Renewal Fee: Rs. 2,500 (Waived off on spending Rs. 4 lakh in a year)
HDFC Regalia Gold Credit Card is an upgraded version of the previously popular HDFC Regalia Credit Card. The card comes at a fee of Rs. 2,500, offering benefits around travel and lifestyle. A good reward rate, complimentary memberships on activation, international and domestic airport lounge access, along with flight vouchers as milestone benefits, make this card count as one of the best all-rounder credit cards in India.
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*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.
The card offers a decent reward rate across everyday spends. Additionally, it includes categories like insurance, utilities, and education in its rewards program, which many cards exclude . Beyond an exceptional base reward rate on everyday categories, the card offers accelerated 5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital—making it further suitable for these brand loyalists. The card also stands out due to its multiple redemption options ranging from travel and cash credit to exclusive gold catalog covering brands like Apple, Fitbit, etc.
Suggested read: Best Online Shopping Credit Cards | Check Eligibility for Similar Cards
SBI Prime Credit Card 
Joining Fee: Rs. 2,999
Renewal Fee: Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year)
Similar to Regalia Gold, SBI Prime is also an all-rounder credit card offering benefits on multiple lifestyle categories like shopping, entertainment, dining, and travel. It offers accelerated rewards, gift vouchers as milestone benefits, and complimentary airport lounge access. The card charges a high joining and annual fee of Rs. 3,000 and compensates for the same by offering welcome benefits worth Rs. 3,000 along with an easily achievable fee waiver condition.
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The card stands out for offering 5X earnings on select spending categories that make up a major portion of our day-to-day lives . However, the base reward rate on the card is fairly low for a card at this annual fee. The card turns out to be a good choice for customers who largely spend on dining, movies, and grocery spending and can reach the yearly spend threshold of Rs. 5 lakh to achieve the maximum benefits.
Suggested read: Best Travel Credit Cards in India | Check Eligibility for Similar Cards
HDFC MoneyBack+ Credit Card
Joining Fee: Rs. 500 
Renewal Fee: Rs. 500 (Waived off on spending Rs. 50,000 or more in a year)
Another low-annual-fee card in list of best rewards credit cards is HDFC MoneyBack+ Credit Card , an upgraded variant of the HDFC MoneyBack Credit Card. The card offers accelerated reward points on popular brands such as Amazon, Swiggy, BigBasket, and more. The RuPay variant on the card also offers benefits on UPI spends.
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Considering the card offers multi-brand benefits, it is a good choice for people who have scattered brand preferences . People looking for a credit card that offers benefits on daily expenses can opt for this card, as most of the brands cater to everyday spending. The card also offers multiple redemption options, including that across airlines, a feature too good for an entry-level card.
Suggested Read: FD Credit Cards for Online Shopping
Axis Bank Rewards Credit Card
Joining Fee: Rs. 1,000
Renewal Fee: Rs. 1,000 (Waived off on annual spends of Rs. 2 Lakh or more)
Axis Bank Rewards Credit Card is a migrated variant of Citi Rewards Credit Card. The card offers accelerated rewards on day-to-day categories, such as department stores and apparel. Besides this, cardholders can also avail benefits on dining, food delivery, travel, and fuel. This is a suitable option for people looking for a credit card with decent reward benefits, primarily focused on shopping.
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Additional Benefits:
Though the card comes without any capping on rewards earned , consumers can earn the accelerated spend on apparel and departmental stores by spending up to Rs. 7,000 only. Besides, the reward value on the card is low, at up to Rs. 0.2 per reward. But this is compensated well with multiple redemption options, including conversion to miles transfer program, lounge access, activation, and milestone benefits.
Suggested Read: Top Credit Cards with Railway Lounge Access
Axis Bank SELECT Credit Card 
Joining Fee: Rs. 3,000 (Nil for Burgundy clients)
Renewal Fee: Rs. 3,000 (Nil for Burgundy clients)
Axis Bank SELECT Credit Card offers benefits across major spending categories, including travel, entertainment, groceries, and more. Additionally, it offers travel perks like Priority Pass membership, lounge visits annually, and a low forex markup fee. Thus, a great fit for users who want to own a single credit card.
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Additional Benefits:
The card comes with a unique feature of offering accelerated rewards on offline spends —a category that most cards reward with a base rate. Thus, the card emerges as a suitable choice for those who prefer offline shopping over online. Additionally, the card rewards users on everyday categories like dining and groceries with direct discount benefits with Swiggy and BigBasket. Having said that, it offers a fairly low redemption value for its annual fee. Thus, users will be able to maximize the benefits only by putting maximum spends on the card and accumulating a large number of reward points over time.
