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Best Credit Cards In India


A credit card is a kind of payment card which is issued by the bank to the users (cardholders). The credit card allows unitholder to pay the merchant for purchasing services and goods but the credit limitation depends upon the cardholder’s promise to the card issuer.

Different types of credit card offers different types of services to the unitholders as per the promises. Everyone want to know more about credit card, everyone wants to know which credit card is the best for the convenience. So, finding the best credit card is no more harder as we are covering a list of the best credit card In India with its features, benefits, etc. so that it may help you to choose the best credit card for you according to your spends.

1.)    CitiBank CashBack Credit Card

Unique Selling Proposition: You will get a movie ticket if you book a movie ticket at BookMyShow.com

Annual Fee:
INR 500

If you pay online bills (Utility and Telephone bills) by using CitiBank CashBack Credit Card then you will get 5 % CashBack in your wallet.

Key Benefits:

  • On purchasing movie tickets, you will get 5% cashback everytime.
  • If you pay telephone bills by using this credit card then you will get 5% cashback.
  • On all enrolled Utility bill payments, you will get 5% cashback if you use this payment card.


2.) Standard Chartered Platinum Rewards credit card

USP: It is the best credit card in India as it has no annual fee.

Annual Fee:
This card will charge you at the time of joining that is INR 250. You do not need to worry about it, you will not charge at the annually if you use this card within 3 months.

If you are looking for the best credit card with packed with lots of benefits and zero annual fee then I would like to recommend you to use Standard Chartered Platinum Rewards credit card.

Key Benefits:

  • Spend Rs. 150 on fuel bill and get 5 points.
  • Spend Rs. 150 on dining and get 5 extra points.
  • If you active online banking then you will get 500 points as a bonus reward.
  • Get 20% cashback on Uber rides but terms and conditions apply.

3.)    SBI Simply Click Credit Card

USP: If your concern only is shopping then I recommend you to have SBI Simply Click Credit Card as it is best for online shopping.

Annual Fee: Rs. 499. This 499 will be waived of if you reach milestone of one lakh in a year.

Bonus Gift: At the time of joining, you will get Amazon gift card which worths Rs. 500. 

The one will only be approved to apply this card if you have decent Credit Score and a salaried person.

Key Benefits:

  • Get Amazon.in gift card worth Rs.500 as a welcome reward.
  • If you spend INR 1 Lakh annually online then you will get e-voucher worth Rs. 2,000.
  • If you use this card online at popular websites like Bookmyshow, Yatra, Amazon, Flipkart, Lenskart, etc. then you can earn 10X rewards.