• 1. The American Express Membership Rewards® Credit Card- Rewards

    Spending money can be rewarding. Though it seems counterintuitive, the Membership Rewards credit card (MRCC) make this statement valid. If you want to be rewarded for every penny you spend, this is the credit card that you should go for.

    Annual Fee: Rs 1,000 + GST
    Renewal Fee: Rs 4,500 + GST

    • Welcome gift of 4000 bonus points
    • 1,000 bonus Membership Reward Points on 4 transactions of Rs 1,000 or more every month
    • 5,000 bonus MR Points when on paying annual membership fee in the second year
    • 1 MR point everytime on spending Rs 50 (not valid on spending on fuel, insurance, cash advance and utilities)
    • Up to 20% discount at select restaurants in India
    • Optional redemption of rewards from the 18 Karat and 24 Karat Gold Collection program of Amex
    Other benefits
    • Zero lost card liability
    • Card replacement
    • Two add-on cards
  • 2. IndianOil Citibank® Platinum Credit Card- Fuel

    If you are someone who is worried about the constantly fluctuating fuel prices in India and are looking for ways to save your hard earned money while refuelling your vehicle, you can opt for the IndianOil Citibank Platinum Credit Card.

    Annual Fee: Rs 1,000
    Renewal Fee: Rs 1,000

    • Turbo points and fuel surcharge waiver. (The so-called Turbo Points never expire.)
    • 4 TP everytime on spending Rs 150 on authorized IndianOil Retail Outlets.
    • Get 2 Turbo Points per Rs 150 on grocery and supermarket spends and 1 Turbo Point on all other spends
    • 2 TP everytime on spending Rs 150 on grocery spending.
    • 1 TP on other spends
    Other benefits
    • Dedicated customer support from Citibank
    • Up to 15% off at select restaurants partnered with Citibank
  • 3. HSBC Platinum Credit Card

    This is one of the best credit cards which gives you benefits in the form of cashbacks, rewards and discounts.

    Annual Fee: Nil
    Renewal Fee: Nil

    • 10% cashback up to Rs 2,500 within 90 days of card issuance
    • Rs 2,000 voucher from Cleartrip on first transaction
    • 2 Reward Points every time you spend Rs 150
    • Rewards on hotel and restaurant spending for the first year
    • Fuel surcharge waiver on fuel transactions between Rs 400 and Rs 4,000 with a maximum limit of Rs 250 per month
  • 4. Standard Chartered Manhattan Platinum Credit Card

    This is one of the best credit cards for those who love to shop very often. You can save money with this card as reward points and discounts.

    Annual Fee: Rs 999
    Renewal Fee: Rs 999

    • BookMyShow vouchers worth Rs 2,000 on first transaction
    • 3X Reward Points for all your expenses
    • 5% cashback on using the credit card at supermarkets
    • Offers and discounts on travel and dining out
    • Add-on cards
    • Contactless payment
  • 5. HDFC Regalia First Credit Card

    This is a credit card with multiple features and benefits. Check out some of the best features of this credit card below.

    Annual Fee: Rs 999
    Renewal Fee: Rs 999

    • 8 complimentary access to domestic lounges per year
    • 7,500 bonus Reward Points on spending Rs 6 Lakh
    • 40% discount at select restaurants
    • 4 Reward Points on every Rs 150 spent through the card
    • Air miles on domestic and international airlines
    • 1% convenience fee waiver on fuel transactions
  • 6. ICICI Bank Platinum Chip Credit Card

    The ICICI Bank Platinum Chip Credit Card comes with a lot of benefits. These benefits range from discounts, reward points and cashbacks to waivers on fuel transactions and more.

    Annual Fee: Rs 199
    Renewal Fee: Rs 199

    • Contactless payments
    • 1 PAYBACK point for every Rs 100 spent on payment of utility bills and insurance premium
    • 2 PAYBACK points for every Rs 100 spent on all categories other than fuel
    • 1% fuel surcharge waiver at HPCL pumps
    • 15% discount at select restaurants
  • 7. SimplyCLICK SBI Card

    SimplyCLICK SBI Card is a great choice for those who want to get the maximum benefit from their spendings on shopping.

    Annual Fee: Rs 499
    Renewal Fee: Rs 499

    • Welcome gift of Rs 500 gift voucher
    • 1 Reward Point every time you spent Rs 100 through the card
    • Rewards on making spends on SBI Card Partners
    • Annual fee reversal on spending Rs 1 Lakh in a year
    • Contactless payments
  • 8. American Express Platinum Travel Credit Card

    If you are a frequent traveller and want to save some bucks while travelling, this is the best credit card for you. Get offers from Travel companies like MakeMyTrip, enjoy airport lounge visits and do a lot more with this credit card.

    Annual Fee: Rs 3,500
    Renewal Fee: Rs 5,000

    • 5,000 bonus Membership Reward Points as welcome gift
    • 1 MR point per Rs 50 for all expenses other than utility bill payment, fuel, insurance and cash transactions
    • Travel vouchers worth Rs 7,700 on spending Rs 1.90 lakh in a year
    • Additional vouchers worth Rs 11,800 on reaching a spending milestone of Rs 4 Lakh in a year
    • Complimentary airport lounge visits
  • 9. Citi PremierMiles Credit Card

    If you are looking for a good travel credit card in India, the Citi PremierMiles Credit Card is a good option to go for. It gives you exclusive benefits which you might not get with other credit cards. Some of the benefits include exclusive lounge access, discounts and travel deals.

    Annual Fee: Rs 3,000
    Renewal Fee: Rs 3,000

    • 10,000 Bonus Miles on spending Rs 1,000 or more within the first 60 days
    • Extra 3,000 Miles on card renewal
    • 4 Miles on every Rs 100 spent
    • 10 Miles on every Rs 100 on airline transactions
    • Complimentary access to airport lounges
  • 10. SBI Card Elite

    This is the perfect credit card to have if you want to live an elite lifestyle while getting the benefits from your spendings.

    Annual Fee: Rs 4,999
    Renewal Fee: Rs 4,999

    • Welcome e-gift voucher worth Rs 5,000 from top fashion brands
    • 10,000 bonus reward points on annual spends of Rs 3 Lakh and 4 Lakh
    • 2 Reward Points per Rs 100 on all categories other than fuel
    • Access to over 1,000 airport lounges all over the world

    These were some of the best credit cards in India that you can apply for. While all of these seem to be good, remember that credit cards are beneficial as long as you use them wisely.



There are many premium credit card providers in India who provide credit card services with different benefits. Here you’ll find the best credit cards in India which you can apply for today and get the benefits.



Below is a list of the top credit cards in India. Take a look at this list and compare the various features to find the best one for you.
(The list mentioned in this website is in no particular order. It is not a ranking list.)

Credit Card Validator

© 2024 Best credit card in India