Best Credit Cards in India – 2018 Review & Comparison

Want to know more about the best credit cards in India? When handled responsibly, credit cards can be a useful tool to keep your personal finances organized. You can use it for shopping, paying bills, traveling, dining out and much more. In return, you get to enjoy a ton of perks in the form of rewards. Convenience and ease of use are two of the undeniable advantages of credit cards. Because of these reasons and more, the majority of people are going cashless and relying on their credit cards for making transactions. If you are planning to apply for a new credit card, there is a lot that you should consider. Here’s a list of the top credit cards to help you pick more easily!

Best Credit Cards in India with No Annual Fee

Are you looking for a credit card with no annual fee? Credit card companies levy this annual fee as a charge for providing the service. Moreover, it ensures that only consumers who can afford to maintain a credit card apply for the same. Many banks stopped offering no annual fee credit cards because people would apply for them but never actually use them. Though options are relatively less when it comes to no annual fee credit cards, there is still hope! Here are the top options you can consider when looking for credit cards without annual charges.

  1. Standard Chartered Landmark Rewards Platinum Card

Standard Chartered has introduced a number of great credit cards over the years, and the Landmark Rewards Platinum Card is no exception. This card comes with some excellent features and no annual fee. It also has tie-ups with some of the most popular brands in India such as Home Centre, Lifestyle, and Max.

Eligibility:

  • The bank will check your income and sanction it before approval
  • You must have a good credit history to get approval

Rewards and benefits:

  • You get 9X reward points at stores that have affiliations with Landmark. Options include Lifestyle, Max, Home Centre.
  • Shopping at other stores will get you 2X reward points.
  • You get 5% additional cashback for shopping at Lifestyle and Home Centre. You can also get cashback of Rs 150 to Rs 500 every month.
  • You can get cashback voucher and earn rewards up to 2700.
  • You also get to enjoy the best lounges in the country.
  • The interest-free period may last anywhere from 18 to 48 days.

Fees and charges:

  • The card comes with an average APR of 37.20%.
  • You need to pay a joining fee of Rs. 399.
  • There are no annual charges/fees.

Cons:

  • The cashback amount is fairly low with Rs. 150 per transaction and up to Rs. 500 maximum.

Considering the rewards and benefits it offers, the Landmark Rewards Platinum Card from Standard Chartered is a good option that you can consider.

Apply for the Landmark Rewards Platinum Card Now

 

  1. Central Bank of India Titanium Credit Card

The Titanium Credit Card from Central Bank of India offers a number of great benefits and rewards. You can earn and redeem rewards points for purchasing bus tickets, movie tickets, air tickets and other merchandise. You can also recharge your mobile using reward points.

Eligibility:

  • You must be between the ages of 18 and 65.
  • You must have an annual income of Rs. 1.5 lakhs.
  • You need to have an account with Central Bank of India.

Rewards and benefits:

  • You can earn 1 reward point for every Rs. 100 you spend.
  • You get to enjoy complimentary Airport Lounges at selected airports around India.
  • You get an interest-free period of 55 days.
  • The bank sends you SMS alerts for transactions, payments, seasonal offers, and reminders.
  • You can withdraw cash from selected ATMs around the country.

Fees and charges:

  • APR is 2.99% per month
  • No joining fee
  • No annual fee

Cons:

  • The earn rate for reward points is fairly low (1 point for every Rs. 100).

Though the card does not charge any joining fee or annual fee, the reward earn rate is lower than other cards.

Find Out More about the Titanium Credit Card Now

 

  1. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is an excellent option due to the rewards and benefits it offers. You can earn and redeem reward points on gift vouchers and cash benefits among other things.

Eligibility:

  • You must at least 21 years old.
  • You must have an annual income of Rs. 4 lakhs and above.

Rewards and benefits:

  • You can earn 3X reward points on transactions related to telecom, hotels, and dining for the initial 12 months.
  • You get 2 reward points for every Rs. 150 you spend at departmental stores and other transactions.
  • You get 10% cashback on all transactions you make within the first 90 days of receiving the card.
  • You can earn 5X rewards for spending over Rs. 400,000 in a year. It stays valid for transactions of up to Rs. 1,000,000 per year.
  • You get a 2.5% fuel surcharge waiver or Rs. 250 per month.
  • You can get a movie ticket of up to Rs. 500 for spending 50000 in a month.
  • Get an interest-free credit period of 20 to 50 days.

Fees and charges:

  • 6% APR per annum.
  • No joining fee.
  • No annual fee.

Cons:

  • The annual income needs to be a minimum of Rs. 4 lakhs. If you earn less than that, you cannot qualify.
  • You need to make at least 3 transactions in a month or else you won’t get the eligible spends.

Given that the card comes with no annual fee or joining charges, it offers pretty good rewards and benefits. However, the annual income for eligibility is on the higher side.

Apply for the HSBC Visa Platinum Credit Card Now

 

  1. Kotak Bank Royale Signature Card

The Royale Signature Card from Kotak Bank comes with some great benefits such as premium airport lounge access, fuel surcharge waiver, priority assistance and customizable rewards. You can earn and redeem rewards points for mobile recharge, branded goods, cash, movie tickets and air miles. You also get a coverage of Rs. 250000 against frauds.

Eligibility:

  • You need to be between the ages of 21 and 65.
  • You must have an annual income of Rs. 25 lakhs or above.

Rewards and Benefits:

  • You get 10X rewards for each Rs. 100 you spend on Visa merchandise categories.
  • You earn 4X rewards for each Rs. 150 you spend.
  • Get 2.5% fuel surcharge waiver at all petrol pumps around India.
  • You get 30000 reward points for an annual spend of Rs. 8 lakhs.

Fees and charges:

  • 2% APR per annum.
  • No joining fee.
  • Zero annual fees for the first year. Rs. 999 annual fee second year onwards.

Cons:

  • The minimum income for eligibility is quite high, making the card exclusive to the elites of the society.
  • The no annual fee period lasts for only 1 year.

The Royale Signature Card is not intended for the common man. The high eligibility criteria make it suitable only for a select class. However, the benefits and rewards make the card worth it for people who can qualify for it.

Apply for the Kotak Bank Royale Signature Card Now

  1. Citibank Rewards Cards

This Citibank card is designed exclusively for dining, departmental purchases, and travel needs. You can earn points on everyday purchases and expenses. You can also earn rewards for transactions made within the first 30 days of receiving the card. The Citi Rewards Card also has tie-ups with numerous renowned brands.

Eligibility:

  • You need to be at least 18 years or older.
  • You need to provide proof of address and income along with valid ID.

Rewards and benefits:

  • You get 1000 points for a purchase of 1000 as a joining gift. You can also earn 1500 points for using the card within the first 30 days of receiving it.
  • Get 10 reward points for every Rs. 125 you spend at departmental stores and on apparels and other stuff.
  • You can earn 1000 reward points for the quarterly purchase of Rs. 1 lakh and above. You can get an additional 300 reward points for signing up for email statements.
  • You get 500 reward points for getting another card from Citibank. You also get 1000 reward points for every renewal.
  • Enjoy 20% discount on transactions of over Rs. 2000 at dining outlets.
  • Have access to concierge services that send flowers, plan family functions and parties, and reserve tables.

Fees and charges:

  • 00% APR per annum.
  • No joining fee.
  • Annual fee of Rs. 1000 will get waived off if you spend Rs. 30000 in a year.

Cons:

  • Slightly higher APR as compared to other cards in the range.

If you shop a lot and want to earn rewards every time you make a purchase, this card will be suitable for you. Though not completely free of annual charges, you can get a waiver based on your spending.

Apply for the Citibank Rewards Card Now

  1. ICICI Instant Platinum Credit Card

The Instant Platinum Credit Card is perfect for all groups of credit card users. You can obtain this card even if you have a poor credit history. However, you would need to provide a fixed deposit against the card. The card also requires minimum documentation and has a fast approval time.

Eligibility:

  • You must have a fixed deposit account with ICICI.
  • The fixed deposit must be for a minimum period of 180 days and have a minimum of Rs. 20000 in the account.
  • Fixed deposits made for a Company, Trust, Partnership Firm, HUF, or Society will not count.

Rewards and benefits:

  • You get 2 payback points for every Rs. 100 you spend on various purchases except for fuel.
  • Get Rs. 100 discount on a maximum of 2 movie tickets every month.
  • The Culinary Treats program allows you to get 15% savings on dining spends at over 800 restaurants.
  • Get 2.5% fuel surcharge waiver on fuel purchase.
  • Card replacement services and Global Emergency Assistance available.

Fees and charges:

  • 88% APR per annum.
  • No joining fee.
  • No annual fee.

Cons:

  • The card is only available to those with a fixed deposit account.

The bank wants to protect itself from issues related to non-payment. That is why it only offers the Instant Platinum Credit Card to those with an existing fixed deposit account. If you do not have one, you can create one before applying for the credit card.

Apply for the ICICI Instant Platinum Credit Card Now

 

  1. Citibank First Citizen Titanium Credit Card

Do you like to shop? If so, the First Citizen Titanium Credit Card from Citibank may be suitable for your needs! Aside from great savings on various purchases, you also get to enjoy welcome offers, membership privileges, exciting rewards, easy redemption options and exclusive in-store deals.

Eligibility:

  • You must be between the ages of 18 and 60.
  • You need to provide ID, income proof, and address proof.

Rewards and benefits:

  • Get 2 vouchers worth of Rs. 250 from Shoppers Stop. You can redeem the vouchers from a Shoppers Shop outlet within 30 days of issuing the card.
  • Points that you earn on your card get transferred to Shoppers Stop every month.
  • Get Home Stop vouchers that you can redeem at Shoppers Stop outlets.
  • Enjoy special deals on wellness and beauty packages at salons, spas and fitness centers around the country.
  • 20% discount on dining spends at select restaurants.
  • Earn 7 rewards points for every Rs. 100 you spend at a Shoppers Stop outlet.
  • Get 1 citizen point for each Rs. 100 you spend.

Fees and charges:

  • 39% APR per annum.
  • Joining fee of Rs. 500.
  • Annual fee of Rs. 500 gets waived off if you spend Rs. 30000 annually.

Cons:

  • The APR is slightly higher than other cards in the range.

The card comes with a nominal joining fee and the annual charge gets waived off once you reach the annual spend of Rs. 30000. You can also enjoy great deals at Shoppers Stop with this card.

Find out More about the Citibank First Citizen Titanium Credit Card Now

  1. SBI SimplySave Advantage Credit Card

The SimplySave Advantage Credit Card comes with a lot of benefits for the cardholder. It is perfect for making utility bill payments and departmental store purchases. You can earn attractive points by making transactions on your card.

Eligibility:

  • You must be between the ages of 21 and 62.
  • You need to provide address proof, ID proof, and income proof.

Rewards and benefits:

  • Earn 10X reward points on departmental store purchases, groceries, dining, and movies.
  • Get 1 reward point for every Rs. 100 you spend on other items.
  • Get cashback of Rs. 100 on your first ATM withdrawal (if you do it within the first 30 days of receiving the card).
  • You can use the card at more than 24 million outlets around the globe including the 3,25,000 outlets across India.

Fees and charges:

  • 30% APR per annum.
  • Joining fee of Rs. 499.
  • Annual fee of Rs. 499 will get reversed for an annual spending of Rs. 75000 or more.

Cons:

  • The APR is on the higher side, making the card costlier than other options in the range.
  • The card offers the basic benefits but no premium privileges as far as lifestyle and travel are concerned.

The SBI SimplySave Advantage Credit Card is suitable for those who want the card for everyday expenses and paying bills. Considering that the card does not offer any premium perks, the interest might seem a little too high.

Find Out More about The SBI SimplySave Advantage Credit Card Now 

  1. Standard Chartered Platinum Rewards Card

Perfect for salaried individuals, the Standard Chartered Platinum Rewards Card offers fast approval and a number of great benefits. The card is also much less talked about than other Standard Chartered cards.

Eligibility:

  • You must be between the ages of 21 and 65.
  • You must have a consistent and stable income per month
  • You need to provide 1 passport sized photograph, address proof, ID and income proof.

Rewards and benefits:

  • Earn 5 reward points for every Rs. 150 you spend on fine dining.
  • Get 5 reward points for every Rs. 150 you spend on fuel.
  • Earn 1 reward point for every Rs. 150 you spend on other categories.
  • Get 20% cashback on Uber spends. However, your minimum credit card spending has to be 15000 or above.
  • Earn 1000 additional reward points for making transactions on your card within the first 60 days.
  • Earn 500 bonus points for completing online banking registration.
  • Get special discount offers on BlueStone, BigBasket, FirstCry, Puma, UrbanClap, and Abof.

Fees and charges:

  • 88% APR per annum.
  • Joining fee of Rs. 250.
  • Annual fee of Rs. 250 can get waived if you spend at least Rs. 30,000 in a year.

Cons:

The interest rate is fairly high compared to other cards in that range.

If you are a salaried employee with a stable monthly income, you can get fast approval on the card.

Apply for The Standard Chartered Platinum Rewards Card Now

Best Credit Cards for Salaried Individuals

If you are a salaried employee looking for a credit card, there are plenty of options for you to choose from. However, more choices mean more confusion. You cannot randomly select a card without knowing about some of the critical details. Every bank has some unique policies, and each card comes a specific set of requirements and features. Here’s a list of the best credit cards in India for salaried individuals.

  1. SimplySave SBI Card

State Bank of India has introduced a number of great credit cards over the years, and the SimplySave is among them. This card comes with low annual charges along with travel, shopping and lifestyle benefits. It is a globally accepted card that you can even use for paying utility bills without incurring additional charges.

Eligibility:

  • You need to be anywhere from 21 to 60 years old.
  • You must have a stable job and income.
  • Provide income proof, ID proof, and address proof.

Rewards and benefits:

  • You get a welcome gift of 2000 reward points for spending Rs. 2000 within the first two months of receiving the card.
  • Earn 10X reward points for each Rs. 100 you spend on movies, grocery, and dining.
  • Get 1 reward point for each Rs. 100 you spend using this card.
  • Get fuel surcharge waiver of 2.5% for transactions worth of Rs. 500 to Rs. 3000.

Fees and charges:

  • 2% APR per annum.
  • Joining fee of Rs. 499.
  • Renewal fee of Rs. 499 per annum.
  • A minimum of Rs. 300 against 3% of the cash withdrawal amount.

Cons:

The interest rate is higher than other cards in the range. That makes the SimplySave SBI card costlier than others.

The reasonable renewal fee and the rewards make this card suitable for salaried individuals. However, there is no way to redeem rewards for shopping vouchers or lifestyle privileges. The card does not have any exclusive perks, but it caters to the everyday needs of most cardholders.

Apply for the SimplySave SBI Credit Card Now

  1. HSBC Premier MasterCard

Designed exclusively for the premiere HSBC customers, the Premier MasterCard from HSBC offers numerous perks. You get some of the best benefits in travel, shopping, and dining. If you have a premier account with the bank, you should surely consider this card.

Eligibility:

  • You must above the age of 21.
  • You must have an annual income of Rs. 5 lakhs.
  • You will only get approval based on Total Relation Balance. The requirement is that you maintain a balance of Rs. 5 lakhs every quarter.

Rewards and benefits:

  • Earn 2 reward points for every Rs. 100 you spend.
  • Get 1.5% cashback on international transactions.
  • Get cashback of up to 5% for purchasing from Bigbasket.com.
  • Complimentary membership of the Priority Pass Programme.
  • Get 50% cashback for movie spends at PVR Cinemas.
  • Twice a year free access to the premiere airport lounges.

Fees and charges:

  • 88% APR per annum.
  • No joining fee.
  • Cash withdrawal fee of Rs. 300 or 5% of spending amount.

Cons:

  • Only people with a minimum annual income of Rs. 5 lakhs can apply for this card.
  • Applicants must maintain a balance of Rs. 5 lakhs per quarter.

This card is only suitable for people with high salaries. If you belong to the high-income groups, this card will provide you with a host of benefits. The interest rate is also impressively low.

Apply for the HSBC Premier MasterCard Now

 

  1. HDFC Teachers Platinum Credit Card

The Teachers Platinum Credit Card from HDFC is designed for people involved in the teaching profession. The card comes with an attractive rewards programme that allows cardholders to earn points for daily purchases. There are many other perks that make this card noteworthy.

Eligibility:

  • You must between the ages of 21 and 60.
  • Have a stable job and income.
  • Provide income proof, ID proof, and address proof.

Rewards and benefits:

  • Earn 2 reward points for each Rs. 150 you spend using the card.
  • Get 6 reward points for each Rs. 150 you spend on weekends.
  • Earn 500 reward points on every teacher’s day.
  • Enjoy fuel surcharge waiver of up to Rs. 250 per billing cycle.
  • Register with SmartPay and pay all your bill on time!

Fees and charges:

  • 88 % APR per annum.
  • Joining fee of Rs. 500.
  • Annual fee of Rs. 500.
  • Cash withdrawal fees of a minimum of Rs. 250 or 2.5% of the withdrawn amount.

Cons:

  • The APR is higher than what other cards in the range.

The card is designed for everyday purchases. You can earn attractive points for paying bills and shopping. Weekend purchases get you 3 times the reward points. You also get a bonus for Teacher’s Day.

Apply for the HDFC Teachers Platinum Credit Card Now

 

  1. Axis Bank Insta Easy Credit Card

If you have a less than perfect credit history, this credit card is for you. If you have been struggling to get approval on your credit card applications, the Insta Easy Credit Card from Axis Bank may be your best solution. To get guaranteed approval, you need to have a fixed deposit account with Axis Bank.

Eligibility:

  • You cannot be a minor.
  • You must have a minimum fixed deposit of Rs. 20,000 with Axis Bank.
  • You cannot apply for Tax Saver FDs, Auto-Sweep or Flexi-Deposits, or fixed deposits for society/HUF/trust/company.

Rewards and benefits:

  • Earn 6 reward points for every Rs. 200 you spend in India.
  • Get up to 12 reward points on every international transaction.
  • Earn 100 points for every online transaction.
  • Get 2.5% fuel surcharge waiver for transactions worth of Rs. 400 to Rs. 4000.
  • Get 2X reward points on all transactions made in your birth month.

Fees and charges:

  • 49% APR per annum.
  • Joining fee of Rs. 500 (will be waived if you spend Rs. 5000 within the first 45 days of receiving the card).
  • No annual fee.

Cons:

  • You need to have a fixed deposit with the bank to get approval.

The Insta Easy Credit Card allows anyone to get approval irrespective of their credit history or credit rating. The rewards programme is also pretty good, and the APR seems reasonable as compared to other cards in the range.

Find Out More about The Axis Bank Insta Easy Credit Card Now

 

  1. Standard Chartered Manhattan Platinum Credit Card

Standard Chartered is one of the most renowned banks in India and around the world. The company has a range of excellent credit cards to offer its Indian target audience. With tie-ups with brands such as Food Bazaar, Reliance, and Big Bazaar, the Standard Chartered credit cards make it easy to earn reward points as well.

Eligibility:

  • You must be between the ages of 25 and 65.
  • You must have an annual income of 6 lakhs or more.
  • Only available to people from metro cities.

Rewards and benefits:

  • Get cashback of 5% for shopping at departmental stores.
  • Earn 5 reward points for every Rs. 150 you spend on other purchases.
  • Earn 500 bonus points for registering for online shopping.
  • Get cashback of 5% on all purchases (minimum transaction amount should be Rs. 1000).
  • Earn a maximum of 600 or 5% cashback on Uber ride facility.
  • Get welcome gift voucher worth of Rs. 5000 from any of the popular brands such as Shoppers Stop, Westside, Marks & Spencer, Bata, Hush Puppies, and Yatra,
  • Get a rebate on joining fee by spending 30,000 in a year, and get the fee waived off by spending 60,000 in a year.

Fees and Charges:

  • 20% APR per annum.
  • Joining fee of Rs. 499.
  • Annual fee of Rs. 999.
  • 3% or a minimum of Rs. 300 cash withdrawal fee.

Cons:

  • The card aims at people with a high annual income of Rs. 6 lakhs.
  • It is also only available in select branches in metro cities.

The joining fee and the annual fee for this card are not that high, but you can get a rebate or get the charges completely waived off by reaching the spending limit. The APR is much lower than other cards with similar features.

Apply for the Standard Chartered Manhattan Platinum Credit Card Now

 

  1. Axis Bank Platinum Credit Card

The Platinum Credit Cards from Axis Bank offers a range of benefits and privileges. The card is popular for its affordable fees. Especially appropriate for salaried individuals, the Platinum Credit Card offers an excellent rewards programme as well.

Eligibility:

  • You must be an Indian resident between the ages of 18 and 70.
  • You need to provide ID proof, address proof, and income proof.

Rewards and benefits:

  • Earn 6 reward points for every Rs. 200 you spend in India.
  • Get 12 reward points for every Rs. 200 you spend internationally.
  • Earn 100 reward points on your first online transaction and 2X reward points on your birth month.
  • Get fuel surcharge waiver of 2.5% and a maximum of Rs. 400 every month.
  • Enjoy foreign currency transactions by paying a conversion fee of 3.5%.
  • Book movie tickets for box office movies and get 25% cashback.
  • Get protection against fraudulent use of the card.

Fees and charges:

  • 78 % APR per annum.
  • Joining fee of Rs. 500.
  • Annual fee of Rs. 200.
  • Cash withdrawal fee of 2.5% or a minimum of Rs. 250.

Cons:

  • The APR is much higher than what other cards are charging. Cards such as the Standard Chartered Manhattan Credit Card offers better rates.

The nominal joining fee and annual fee make this card a reasonable choice for many people. However, the steep interest rate makes it more expensive than other cards in the range.

Find Out More about the Axis Bank Platinum Credit Card Now

  1. HDFC Doctors Superia Credit Card

The Doctors Superia Credit Card from HDFC is appropriate for both self-practicing and salaried doctors. It offers a ton of privileges and travel benefits. The rewards programme allows you to earn points on various purchases.

Eligibility:

  • You must be a self-employed or salaried doctor.
  • Salaried doctors must be between the ages of 21 and 60.
  • Self-practicing doctors must be between the ages of 21 and 65.

Rewards and benefits:

  • Get a welcome gift of 1000 reward points.
  • Get 3X reward points for every Rs. 150 you spend.
  • Earn 50% additional reward points for dining at select restaurants.
  • Enjoy access to popular airport lounges around the world.

Fees and charges:

  • 78% APR per annum.
  • Joining fee of Rs. 1000.
  • Annual fee of Rs. 1000.
  • Cash withdrawal fee of 2.5% or a minimum of Rs. 250.

Cons:

  • The card is for doctors exclusively. People from other professions cannot apply.
  • The APR is higher than other cards in the range.

This exclusive card for doctors offers a range of rewards and perks. However, it has a high APR and higher than average joining fee and annual fee.

Find Out More about HDFC Doctors Superia Credit Card Now

 

  1. Citibank Cash Back Credit Card

The Citibank Rewards Card garnered much popularity. However, Citi Cash Back Credit Card has now grabbed the spotlight for all the convenience and rewards it offers. You can pay bills and get cash back on transactions. You can make all the everyday transactions at better savings.

Eligibility:

  • You need to be an Indian citizen or a non-resident Indian.
  • You must be between the ages of 18 and 70.
  • You need to provide income proof, ID proof, residence proof, photograph, and PAN card.

Rewards and benefits:

  • Get 5% cashback upon purchasing movie tickets.
  • Earn 5% cashback on making telephone bill payment.
  • Get 5% cashback for paying utility bills online through Citibank Online Bill Pay.
  • Earn 0.5% cashback on all the other transactions.
  • Enjoy contactless payment.

Fees and charges:

  • 20% to 42.00% APR per annum.
  • Annual fee of Rs. 500.

Cons:

  • The interest rate is on the medium to high scale. The total annual APR can make the card really expensive.

Apply for the Citibank Cash Back Credit Card

 

Best Business Credit Cards

Whether you are a small business owner, business executive or a freelance business owner, you need a good business credit card. Aside from providing ultimate convenience, a suitable business credit card can help you save money on interest, separate your expenses and maximize your shopping experience. Here are two of the best credit cards in India for business or people associated with the business.

  1. Citibank Corporate Card

The Citibank Corporate Card is a competent tool for T&E spend management in business organizations. It provides strategic benefits of process automation and streamlined expense reporting. Perfect for business and management executives, this card can fulfill organizational needs.

Eligibility:

  • The card is only available for business organizations that want to offer it to employees and executives.

Rewards and benefits:

  • Earn 2 reward points for each Rs. 125 you spend.
  • Reward points never expire.
  • 55% exclusive and attractive discount on business-related T&E expenses such as car rentals, dining, the hotel says and much more.
  • Easy and quick access to foreign currency when you are traveling abroad.
  • Access to privileges such as entertainment, shopping, travel, spa, and golf.
  • Get 20% discount on restaurant bills across India.
  • Redeem reward points for booking tickets or air miles through Yatra.com.

Fees and charges:

  • 20% to 42.00% APR per annum depending on credit limit.
  • Joining fee and annual fee are only disclosed when applying for the card(s).

Cons:

  • You cannot apply for the card on your own. Applications must be made through business organizations.

The Citibank Corporate Card is excellent for business and management executives. The card is designed to give them the ultimate convenience when traveling for work.

Find Out More about the Citibank Corporate Card Now

 

  1. HDFC Regalia Credit Card

The Regalia Credit Card from HDFC is both a personal and a business credit card. Both the business and personal version of the card offers the same benefits. However, both these versions require a unique application process. When it comes to maintaining a record of business spends, the HDFC Regalia Credit Card is convenient.

Eligibility:

  • Salaried individuals need to be between the ages of 21 and 60 and have a gross monthly income of Rs. 1.20 lakhs.
  • Self-employed individuals need to be between the ages of 21 and 65 and have an annual income of Rs. 12 lakhs.

Rewards and benefits:

  • Earn 4 reward points for every Rs. 150 you spend.
  • Get priority pass membership access to 6 complimentary airport lounges in a calendar year.
  • Best travel and luxury benefit.
  • Access to 2 free domestic lounge visits.
  • 2% Forex markup fee.
  • Get emergency medical insurance coverage of up to Rs. 15 lakhs when traveling abroad.
  • Earn 8 reward points for each Rs. 150 you spend on www.airvistara.com and www.hdfcbankregalia.com.
  • Get exclusive discounts and deals on movie tickets, hotel bookings, and flight tickets from the Travel and Entertainment portal of HDFC.

Fees and charges:

  • Annual fee of Rs 2500 (you can get a waiver by spending Rs. 40,000 within the first 90 days of receiving the card.)

Cons:

  • The annual fee is rather high.
  • There are no milestone features of golf privileges.

The reward structure and the perks make Regalia from HDFC a good credit card for businesses. However, it is also fairly costly. There is another variant of the Regalia card called “Regalia First.” This card is easy to get approval for. However, it comes with much fewer features than the original.

Find Out More about the HDFC Regalia Credit Card Now

Best Cashback and Online Shopping Credit Cards

Do you like to shop? If so, you would be happy to know that there are plenty of great credit cards that offer cashback, rewards and plenty of other perks for shopping online. If you prefer cashless shopping right from the comfort of your own home, the following credit cards will surely be perfect for your needs!

  1. SBI SimplyCLICK Credit Card

SimplyCLICK from SBI is designed to give you an excellent shopping experience. For this card, State Bank of India has partnered with BookMyShow, Amazon India, Lenskart, Foodpanda, Cleartrip, FabFurnish and Ola Cabs to get you the best deals, cashback, and rewards.

Eligibility:

  • You should have a good CBIL score.
  • You must have a stable job and income.
  • Having a salary account with SBI may improve your chances of getting approval.
  • You must live in one of the cities listed in the application form for the card.

Rewards and benefits:

  • Get a welcome gift or bonus offer of Rs. 500 from Amazon.
  • Earn 5X reward points for shopping online.
  • Earn 10X reward points for shopping online from collaborated brands.
  • Get a voucher worth of Rs. 2000 if you spend Rs. 1 lakh in a year.
  • Get 2.5% fuel surcharge waiver for spending between Rs. 500 to Rs. 3000.

Fees and charges:

  • 20% APR per annum.
  • Joining fee of Rs. 499.
  • Annual fee of Rs. 499. (will be waived if you spend Rs. 1 lakh in a year)

Cons:

  • The APR is on the higher scale as compared to other cards.
  • You do not get an approval if you do not belong to one of the cities listed for the card.

If you need a card dedicatedly for online shopping, the SBI SimplyCLICK credit card will be suitable for your needs. The rewards program and the benefits often make up for the steep interest rate. However, the card is not available in all cities around the country.

Apply for SBI SimplyCLICK Credit Card Now

 

  1. American Express Gold Card

American Express has introduced a range of credit cards for its Indian customer base. These cards offer a range of rewards and benefits, and the American Express Gold card is no exception. This is a charge card, which means you have to pay your bill in full before the due date. If you are looking for a premium card for shopping, this card is an apt choice.

Eligibility:

  • You must be over 18 years old.
  • You must have a stable income.
  • Your credit history and CBIL score must be in good shape.

Benefits and rewards:

  • Get an OYO voucher worth of Rs. 2000 when your card gets approved.
  • Earn 4000 Membership Reward points after the 3 initial transactions within 60 days of receiving the card.
  • Get 1000 bonus membership reward points by making 4 separate transactions with the card every month.
  • Earn 1 membership reward point for every Rs. 50 you spend (fuel, utilities, cash transactions and insurance spends do not count).
  • Get 5000 membership reward points for renewing the card for a second year.

Fees and charges:

  • 1000 plus GST for the first year.
  • 4500 plus GST from second year onwards.

Cons:

  • Not all stores accept this card for payment. You may have to use it exclusively for online shopping.

American Express is known for providing the best premium cards. Their products are marked by a sense of luxury and affluence. Their attractive rewards programme proves the same.

Apply for the American Express Gold Card Now

 

Best Credit Cards for Fuel

If you own a car, you have to count the expenses related to fuel in your day to day budget. Given the rising cost of fuel, it is safe to assume that you end up spending a ton every month. Wouldn’t it be nice to get some savings and rewards against every purchase? Well, thanks to some credit cards, it is now possible! Below are the best credit cards for fuel in India.

  1. Standard Chartered Super Value Titanium Credit Card

The Super Value Titanium Credit Card from Standard Chartered is an excellent option for those looking for a fuel card. To many, this card may feel like a hidden gem. It offers a range of rewards and benefits that are absent in other cards.

Eligibility:

  • You must be between the ages of 21 and 65.
  • You must have a stable income per month.
  • You must live in one of the listed cities.

Rewards and benefits:

  • Get 5% cashback on purchasing fuel.
  • Get 5% cashback upon paying your telephone bills.
  • 5% cashback for paying utility bills.
  • Earn 1 reward point for each Rs. 150 you spend using your card.
  • Earn 5X reward points for overseas spends.
  • Enjoy complimentary Priority Pass access to airport lounges around the world.
  • Get 20% cashback on Uber rides.
  • Earn 1000 bonus reward points on your first transaction.
  • Get 500 reward points for registering yourself for online banking.

Fees and charges:

  • 88% APR per annum.
  • Annual fee of Rs. 750 for the first year.
  • Annual fee of Rs. 750 from second year onwards.

Cons:

  • The interest rate is on slightly on the higher side as compared to other cards.

The Super Value Titanium Card from Standard Chartered is ideal for the mediocre spenders. Even if you spend anywhere from Rs. 5000 to Rs. 10000 in a month, you can enjoy a lot of savings and a host of other perks.

Apply for the Standard Chartered Super Value Titanium Credit Card Now

 

  1. ICICI HPCL Coral Credit Card

Another great fuel credit card is the HPCL Coral Credit Card from ICICI. This card offers tons of rewards and benefits. If you want to combat the rising cost of fuel, this card can surely help you. Get to know the details of the card before applying for it.

Eligibility:

  • You should have the monthly income of Rs. 45000 or more.
  • Self-employed individuals should have an income of Rs. 5.4 lakhs.
  • You should be between the ages of 23 and 60.

Rewards and benefits:

  • Get 2 reward points for every Rs. 100 you spend using the card.
  • Get 2.5% cashback by using your card at any of the HPCL petrol pumps for purchasing fuel.
  • Enjoy a discount of Rs. 100 on up to 2 movie tickets per month at BookMyShow.
  • Get 15% discount at over 800 registered restaurants that are part ICICI’s Culinary Treats programme.
  • Enjoy 2 complimentary airport lounge access every quarter.

Fees and charges:

  • 8% APR per annum.
  • Joining fee of Rs. 199.
  • Cash withdrawal fee of Rs. 100.
  • No annual fee.

Cons:

  • The eligibility criteria are pretty strict as you need to have a minimum monthly income of Rs. 45000.
  • The APR is on the higher side as compared to other cards in the range.

If you travel a lot and have to spend a ton on fuel, this card will be suitable for your needs. There are plenty of opportunities for you to earn reward points. However, consider the interest rate before applying.

Apply for the ICICI HPCL Coral Credit Card Now

 

Best Credit Cards for Travel

If you travel a lot, the travel credit cards are an absolute necessity. There are primarily two types of travel credit cards – generic miles and frequent flyers. If you want the freedom of spending your reward points on any shopping voucher, hotel or airline ticket, you should go for the generic miles option. The frequent flyer cards, on the other hand, are often co-branded. You can earn miles from various transactions, but you can only spend the points on brands that are associated with the card. Here are the best travel credit cards that you should consider.

  1. HDFC AllMiles Credit Card

The AllMiles Credit Card from HDFC is a premium travel card that lets you earn twice the amount of reward points by shopping from select websites. Aside from regular reward points, you can also earn bonus rewards. The card is available for both salaried and self-employed individuals.

Eligibility:

  • Salaried individuals need to be between the ages of 21 and 60 years.
  • Self-employed individuals need to be between the ages of 21 and 65 years.

Rewards and benefits:

  • Get 1000 reward points as a welcome gift.
  • Get 1000 reward points for renewing your card.
  • Earn 3 reward points for every Rs. 150 you spend on every purchase.
  • Earn 2X reward points for shopping at allmiles websites.
  • Get a maximum of Rs. 500 in fuel surcharge waiver.
  • Enjoy airport lounge access around India or overseas.

Fees and charges:

  • Annual fee of Rs. 1000.

Once you earn enough rewards points using this card, you can redeem the points for purchasing air miles or air vouchers.

Apply for the HDFC AllMiles Credit Card Now

 

  1. Jet Airways American Express Platinum Credit Card

Business executives and other corporate professionals have to travel a lot for work. If you are the same way and rely on JetAirways for flying, The Jet Airways American Express Platinum Credit Card will be perfect for your needs. This card allows you to earn the highest number of JPMiles as reward points.

Eligibility:

  • You must be over 18 years old.
  • You need to have a good credit history and no payment defaults.
  • You need to be a permanent resident of India.

Rewards and benefits:

  • Get 16 JPMiles for every Rs. 150 you spend on booking tickets from JetAirways website.
  • Earn 8 JPMiles for every Rs. 150 you spend (transactions related to utilities, insurance, and fuel do not count)
  • Get 3% cashback at select fuel pumps across India.
  • Enjoy complimentary access to 13 airport lounges in 11 cities across India.
  • Get 5000 bonus reward points upon every renewal.

Fees and charges:

  • The annual fee for the first year is Rs. 5,000 plus taxes.
  • Annual fee from second year onwards Rs. 10000.

Cons:

  • The annual fees are very much on the higher side.

If you are looking for a premium travel card, the Jet Airways American Express Platinum Credit Card can fulfil your needs. The card is much more expensive than other cards in the range. You also need to have a perfect credit score to get approval.

Apply for the Jet Airways American Express Platinum Credit Card Now