There are various credit cards divided across different categories in India. The very first step involves choosing the right credit card for yourself. The types of credit card in India vary from low annual fee to zero annual fee, travel benefits, movie offers and more. So if you are looking for a credit card and confused which one would be ideal for you, here is a list of various types of credit cards and which one you can consider applying for.
1. Cashback Credit Cards
| Card | Annual Fee | Cashback | Key Benefit |
| ICICI Amazon Pay
| Nil | 2% cashback on 100+ amazon pay partner merchants on using this card and 1% on other payments | 5% cashback for Amazon Prime members and 3% cashback for non-prime members on purchasing from Amazon |
| Axis Flipkart
| Rs.500 + applicable taxes | 5% cashback on Flipkart, Myntra and 2GUD | Welcome benefits in the form of cashback from Flipkart, UrbanClap, MakeMyTrip |
| RBL Monthly Treats
| Rs.50 + applicable taxes (monthly fee) | 10% cashback on groceries, BookMyShow, Swiggy and other utility payments | Get monthly fee waived off on spending Rs.3,000 in a month |
| Rs.500 + applicable taxes | 5% cashback on telephone bill and movie tickets | Up to 15% dining discount at select restaurants |
ICICI Amazon Pay
- 15% discount on dining on select restaurants in India
- 5% cashback for Amazon Prime customers with Amazon.in
- 3% cashback for non-prime customers with Amazon.in
Axis Flipkart
- 4 complimentary airport lounge access in India
- 20% dining discount at select restauranst in India
- Fuel surcharge waiver for fuel transactions between Rs.400 and Rs.4000
RBL Monthly Treats
- Monthly fee waived off on spending Rs.3,000 in a month
- 10% off on groceries on spending Rs.3,000 in the same month
- Fuel surcharge waiver on spending between Rs.500 and Rs.4,000
Citi Cashback
- Get 15% dining discount across the partner restaurants
- Save benefits up to Rs.3300 in the first year
- The cashback earned is never expired with this credit card
2. Reward Points Credit Cards
| Card | Annual Fee | Reward Points | Key Benefit |
| Nil | 5x reward points on spending Rs.4 lakh or more in a year | Get swiggy voucher worth Rs.250 and Rs.500 BookMyShow on spending Rs.50,000 in a year |
American Express Membership Rewards
| Rs.1,000 + applicable taxes | Earn 1 Membership reward point on every Rs.50 spent along with 1000 bonus membership reward points on spending Rs.1000 or above | Avail 4000 bonus membership reward points on every Rs.2000 spent within 60 days |
| Rs.495 + applicable taxes | Earn 1 reward point for every Rs.50 spent | Earn 10x reward points on using Flipkart and Uber |
Standard Chartered Platinum Rewards
| Rs.250 + applicable taxes | Earn 5x reward points for dining, fuel and hotel spends | 15% discount at over 850 restaurants in India |
HSBC Visa Platinum
- 6 complimentary airport lounge access with the first transaction
- 15% dining discount at over 1000 select restaurants in India
- Fuel surcharge waiver between Rs.400 and Rs.4000
American Express Membership Rewards Credit Card
- Bonus Reward Points on using the card 4 times in a month
- Convenience Fee waiver on transactions up to Rs.25,000
- Get travel voucher worth Rs.11,000 under Gold collection offer
American Express SmartEarn
- Get Rs.500 cashback as welcome gift on spending Rs.10,000 in the first 90 days
- Annual fee waiver on spending Rs.40,000 or more in a year
- Zero card lost liability, emergency card replacement and nill fee for add-on card are some other features
Standard Chartered Platinum Rewards
- Balance Transfer facility up to Rs.5,00,000
- 15% off on dining at over 850 restaurants in India
- Discount on INOX for movie tickets and food on weekends
3. Travel Credit Cards
| Card | Annual Fee | Reward Points | Key Benefit |
| Rs.3,000 + applicable taxes | Get 4 Club Vistara points on every Rs.200 spent along with 3000 Club Vistara on spending Rs.75000 | Free Airport Lounge Access at major airports in India |
| Rs.500 + applicable taxes | Earn 1 Reward Point for every Rs.125 spent | Save 1.8% transaction charges on railway ticket bookings |
| Rs.3,000 + applicable taxes | Earn 2 reward points on every Rs.150 spent | 0% forex markup fee |
| Rs.5,000 + applicable charges | Get 10 air miles on every Rs.100 spent | Get 10,000 air miles on spending Rs.1,000 or more in the first 60 days of card issuance |
Axis Vistara Signature Credit Card
- Complimentary Vistara Premium Economy Class ticket
- Get discounts at premium golf clubs
- 15% discount at more than 5000 restaurants
IRCTC SBI Credit Card
- Get 10% value back on AC1, AC2 and CC bookings
- Get Fuel Surcharge Waiver on spending between Rs.500 and Rs.3000
- Enjoy travel packages of wildlife tourism and other leisure tours
RBL World Safari Credit Card
- MakeMyTrip voucher worth Rs.3,000 as welcome gift
- Domestic Lounge access at more than 1300 international airports
- Complimentary golf rounds at select golf courses in the country
Citi PremierMiles
- Get 10 air miles on every Rs.100 spent on airline transaction
- 15% dining discount at select restaurants in the country
- Air accident coverage of Rs.1 crore
4. Credit Card for Beginners
| Card | Annual Fee | Reward Points | Key Benefit |
| Rs.500 + applicable taxes | Get 500 reward points on paying the renewal fee. | Get gift voucher worth Rs.1000 on spending Rs.90,000 in a year |
| Rs.499 + applicable taxes | 10x reward points on dining and movies. | 2000 bonus reward points on spending Rs.2000 or more within first 60 days of card issuance |
| Rs.750 + applicable taxes | 1.5% cashback on all online spends (excluding transfer to online wallets) | No joining fee with this credit card |
| Rs.499 + applicable taxes | 5x reward points on online spends | Welcome e-gift voucher from amazon worth Rs.500 |
HDFC Freedom Credit Card
- Get welcome benefit of 5000 reward points
- Rs. 250 as fuel surcharge waiver per statement cycle
- Annual Fee waiver on spending Rs.50,000 in a year
SBI SimplySave Credit Card
- Get welcome gift of Rs.100 as cashback on the first ATM cash withdrawal within 30 days
- Annual Fee Reversal on spending Rs.90,000 or more in a year
- 1% fuel surcharge waiver on transactions worth Rs.500 to Rs.3000
HSBC Cashback
- 1% cashback on all other categories
- Cashback is earned on instant EMI, only if merchant is listed with bank
- Annual Fee waiver on spending Rs.1,00,00 in the previous year
SBI SimplyClick
- Fuel surcharge waiver between Rs.500 and Rs.3,000
- Annual Fee Waiver on spending Rs.1 lakh in the previous year
- 5x reward points on online spends
Airline Credit Cards
| Card | Annual Fee | Reward Points | Key Benefit |
Standard Chartered Emirates World
| Rs.3000 + applicable taxes | Get 5% cashback on duty free shopping on spending Rs.1000 per month | Complimentary lounge access to 25 domestic lounges with Priority Pass Membership. |
Air India SBI Platinum
| Rs.499 + applicable taxes | Earn 2 reward points on every Rs.100 spent and up to Rs.15,000 bonus reward points annually | Get 5,000 reward points as a welcome gift on paying the joining fee |
HDFC Diners Clubmiles
| Rs.1000 + applicable taxes | Earn 4 reward points on every Rs.150 spent | Air accident cover of Rs.1 crore |
American Express Platinum Travel Credit Card
| Rs.3,500 + applicable taxes | Earn 1 reward point for every Rs.50 spent | 20% off on dining bills at partner restaurants |
Standard Chartered Emirates World Credit Card
- Balance Transfer up to Rs.5,00,000 at low interest rates
- Complimentary Lounge Access to 25 domestic airport lounges
- Earn 6 Skyward miles on every Rs.150 spent on international transactions and 4 Skyward Miles on the same amount spent domestically
- Fuel Surcharge Waiver of 1% on amount ranging from Rs.500 and Rs.4000
- Convert big purchases into monthly installments
- Get 8 airport complimentary visits every year
- Get 1000 reward points on activating the card
- Air accident cover up to Rs.1 crore
- Medical cover up to Rs. 25 lakh
- 20% off on dining bills at partner restaurants
- Fuel surcharge waiver at HPCL pumps
- 4 complimentary lounge access at 11 airport lounges in India
8. Fuel Credit Cards
| Card | Annual Fee | Reward Points | Key Benefit |
Indian Oil Citi
| Rs.1000 + applicable taxes | Earn 4 turbo points on fuel purchases at Indian Oil outlets | 2 turbo points on purchase of Rs.150 at groceries and supermarts |
IndianOil HDFC
| Rs.500 + applicable taxes | Earn 1 fuel point for every Rs.150 spent | Earn fuel point at Indian oil stations |
BPCL SBI
| Rs.499 + applicable taxes | Earn 5X reward points when you shop for groceries at departmental stores, book movie tickets or dine out | Get 2,000 activation bonus reward points worth Rs. 500 on payment of joining fee |
ICICI HPCL Coral
| Nil | Earn 2 PAYBACK points for every Rs.100 spent on retail purchases except fuel and redeem 2000 PAYBACK points for fuel worth Rs. 500 | The customers can enjoy 2.5% cashback and savings of 1% fuel surcharge on fuel purchases at HPCL pumps. |
- Redeem turbo points and receive 71 liters of petrol free annually
- 1% fuel surcharge waiver on fuel purchases
- Earn 4 turbo points for every Rs.150 spent on IOC fuel stations
- Fuel points earned are valid for two years from the date of accrual
- 1% fuel surcharge waiver on minimum transaction of Rs.400
- 50 days of credit free period from the date of purchasing
- Users can avail 4.25 % value back (13X reward points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of up to Rs. 4,000), at any BPCL petrol pump across the country.
- One can get a 4.25% value back (13X reward points on fuel purchases at BPCL petrol pumps, 3.25% + 1% fuel surcharge waiver on every transaction up to Rs.4,000
- One can convert his/her big-ticket purchases into easy EMIs using the Flexipay feature
- Enjoy Rs. 100 discount on up to 2 movie tickets per month at BookMyShow
- Avail 15% discount on dining at over 800 restaurants via Culinary Treats program
- Reduce fuel bills with 2.5% cashback
2 Comments. Leave new
I am spending around INR 15000 per month on fuel (petrol) at essar petrol pump and residing at udaipur Rajasthan. Can u plz suggest me best credit card for this purpose.
Thanx and regards
Hi Chandra Shekhar,
BPCL SBI and HDFC IndianOil are some other credit cards that might be suitable for your needs. You can apply for these credit cards from our platform itself.