I will tell you the best credit cards available right now in India. The offers generally keeps on changing every 3-12 months. I will always update the latest offers on this page.
Here is the list with benefits:
#1 Standard Chartered Platinum Rewards Card
This is the best credit card for the salaried individual. This has NO JOINING FEES and NO ANNUAL FEES.
Benefits of Standard Chartered Platinum Rewards Card:
- Earn 5 reward points for every INR 150 spent on dining and fuel with no monthly cap on the rewards earned
- Earn 1 reward point for every INR 150 spent on all other categories
- Get INR 200 discount on Grofers every Thursday
- Enjoy 15% cashback on Jabong every Thursday
- Get 10% cashback on Ola rides
- Get INR 1000 discount on Yatra app
- Get INR 2500 cashback on Paytm flights
- Get 15% off on 850 restaurants in India
- Get 25% off on INOX
To know more about Standard Chartered Platinum Rewards Card click here
#2 Standard Chartered Manhattan Credit Card
This has annual charge of INR 999.
Benefits of Standard Chartered Manhattan Credit Card:
- Get INR 2,000 BookMyShow vouchers on your first transaction in first 90 days with your Manhattan Platinum credit card
- 5%
cashback at supermarkets - Get 3x rewards when you use your credit card for all other expenses.
To know more about Standard Chartered Manhattan Credit Card click here.
#3 Citibank Cashback Credit Card
This card is really good if you make lots of online purchases. It will also delight you if you make movie tickets booking.
Benefits of Citibank Cashback Credit Card:
- Movie tickets purchases have 5% cashback
- Telephone bill payments have 5% cashback
- Utility bill payments made online through Citibank Online Bill Pay also fetches 5% cashback.
- 5% Cash Back on all other spends.
- Exclusive offers and discounts on dining and shopping
To know more about Citibank Cashback Credit Card click here.
#4 Standard Chartered Super Value Titanium Credit Card
Annual Fee:You will have to pay INR 499 as a joining fee,
Benefits of Standard Chartered Super Value Titanium Credit Card:
- Earn 1 Reward Point on every INR 150 spent on all categories except fuel, telecom and utilities.
- You can avail a 5% cashback on fuel at all petrol pumps in India. It includes 1% of surcharge reversal and 4% of on the transaction amount.
- Limits to avail Cashback: To be eligible for availing the cashbacks, you must have a minimum transaction amount of INR 750 and maximum cashback per transaction is INR 100 and per month INR 500.
- Earn 1000 reward points on your first swipe of the Standard Chartered Super Value Titanium Credit Card and exemption from the renewable fee on the expense of INR 60, 000.
- You can avail the ‘Instabuy’ feature and easily pay for your big-ticket purchases in convenient instalments.
- You can earn 500 reward points in your account on registering for online banking.
To know more & apply about Standard Chartered Super Value Titanium Credit Card click here.
#5 Citibank Indian Oil Credit Card
Annual Fee: 0
Benefits of Citibank Indian Oil Credit Card:
- Get Rs.250 worth of activation benefits*limited offer
- Save more on fuel at IOC outlets.4 Turbo Points on Rs.150 spent on fuel at authorized IndianOil outlets (2.67% savings)
- Complete waiver of 1% fuel surcharge at authorized IndianOil outlets.
- Get up to 60 litres of free* fuel annually by redeeming your turbo points for fuel at 1200+ authorized IndianOil outlets
- Turbo Points never expire ! 1 Turbo point – 1 Rs.
- Up to 15% savings on dining across participating restaurants
To know more & apply about Citibank Indian Oil Credit Card click here.
#6 Amex Gold Card
Earn 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month.
Annual fee: First Year Rs. 1000 (Second year onwards Rs.4,500)
Benefits of American Express Gold Card:
- Welcome gift of 4,000 Membership Rewards Point after first 3 spends in 60 days.
- 1000 Bonus MR Points for using your Card 6 times every month.
- Earn 1 MR point on Rs.50 spent on all spends except for spend on Fuel, Insurance, Utilities and Cash Transactions.
- Up to 20% off at selected restaurants.
- Redeem from 18 carat and 24 carat Gold Collection.
- Earn 5000 MR Points on renewal for second year.
#7 SBI Simply Click Credit Card
It is best suited for people who love online shopping and also who are salaried people.
The people having a salary account with SBI get the credit card easily. It’s important to have good credit history score if you are planning to apply for this credit card.
The annual fee for this credit card is Rs 499, which will be waived off if the annual spending exceeds Rs 1,00,000.
They have tie-ups with online stores which makes it even more useful for the customers who prefer online shopping.
Benefits
- On joining, you receive Rs 500 Amazon gift card for free.
- On an online transaction with Amazon, Cleartrip, Foodpanda, Lenskart, Bookmyshow, UrbanClap, you get rewards points of 10X.
- On any other online shopping site, you earn 5X rewards points.
- Annual online spends of Rs 1 lakhs fetches you an e-voucher of Cleartrip for Rs 2000.
- For each fuel transactions between Rs 500 to Rs 3000, 1% fuel surcharge is waived off.
To know more about SBI Simply Click Credit Card, click here.
#8 ICICI Instant Platinum Card
This is the best card for non-salaried persons (housewives and children).
Benefits of ICICI Instant Platinum Credit Card:
- You get 2 PAYBACK points for every Rs 100 spent.
- Their Culinary Treats program offers minimum 15% discount on dining at over 800 restaurants.
- At bookmyshow.com you
gets Rs 100 off onupto 2 tickets per month. - If the minimum transaction of Rs 4000 is done on fuels at HPCL pumps, then you can avail 2.5% fuel surcharge waiver.
- Earn interests on fixed deposits and have
low interest rate credit cards @ 2.49% per month.
To know more & apply ICICI Instant Platinum Credit Card click here.
#9 HDFC Regalia Credit Card
Benefits of HDFC Regalia Credit Card:
- Complimentary Airport Lounge Access through Priority Pass Membership
- Lowest Foreign Currency Mark-up Fee of 2% on international transactions
- Now get 15,000 bonus points every year on spends of Rs.8Lac(wef 1 Apr’18)
- Exclusive dining privileges that offer upto 15% discount on dining at premium restaurants across India.
- Use your card* to make quick transactions at merchant locations accepting contactless cards
- Earn 4 Reward Points on every Rs. 150 spent and redeem rewards against exclusive lifestyle options
To know more & apply HDFC Regalia Credit Card click here.
#10 Amex Platinum Travel Credit Card
American Express Platinum Travel Card offers great benefits for frequent travelers (like vouchers from Indigo and Taj)
Annual fee: First Year Rs. 3,500 (Second year onwards 5,000 Rs.)
- Welcome gift of 5,000 Milestone Bonus Membership Rewards Points redeemable for IndiGo Vouchers worth Rs. 4000.
- Spend Rs. 1.90 lacs in a year and get IndiGo Vouchers worth more than Rs. 7,700.
- Spend Rs. 4 lacs in a year to get IndiGo Vouchers worth more than Rs. 11,800. Also, get a voucher worth Rs. 10,000 from the Taj Group.
- You can have upto 3 Amex cards at a time.
- Your spending habit will increase your credit limit for this card.
To know more & apply Amex Platinum Travel Credit Card click here.