BEST CREDIT CARDS

Compare the best credit cards in India 2017 for all needs like Travel, Fuel, Shopping, Cashback, Premium | Top Credit Cards with reward benefits in India

Best Credit Cards India

 

A credit card is an arrangement in which you can borrow a limit of money from the bank and repay the money later. The bank gives you a period of around 45 to 55 days in which you are suppose to repay the money. If you do not repay the loan within this period, an interest rate will be charged by the bank.
A credit card is best if it has long grace period and low interest rate. There are many categories of credit card but the mostly used are the Travel, Premium, Shopping and Cashback, Fuel etc. We list here the best credit cards from each of these categories:

Best Credit Cards – Travel

These credit cards allow you to earn reward points that can be redeemed for travelling, airfares, hotels etc.

Credit Card Annual fee Features
HDFC Bank Regalia Rs. 9,999
  • 10,000 bonus review points as welcome offer
  • Four reward points for every Rs. 150 spent
  • Double the reward points on flight, hotel and movie ticket booked using HDFC credit card website.
  • Best Features
  • Complimentary Airport Lounge Access through Priority Pass Membership
  • Complimentary Club Vistara Silver membership
  • Lowest Foreign Currency Mark-up Fee of 2% on international transactions
Axis Bank Miles & More World Card Rs. 3,500
  • Welcome bonus 5,000 Miles
  • 4 Miles for every Rs. 200 of eligible spends
  • 20 Miles for every Rs. 200 for spends on movie bookings
  • Best Features
  • Miles with no expiry
  • Bill payment from any bank account
  • Fuel surcharge waiver
HDFC JetPrivilege Diners Credit card Rs. 10,000
  • Welcome Benefit of up to 30,000 Bonus JPMiles and 15 JetPrivilege Tier points within first 90 days.
  • 8 JP Miles for every Rs. 150 you spend.
  • 24 JPMiles on every Rs. 150 spent on every flight ticket booked on jetairways.com
  • 3X JPMiles on every flight booked via jetairways.com.
  • 10,000 JP Miles and 5 JetPrivilege Tier Points upon the first swipe on your card within 90 days of card renewal date
  • 1 JP Tier Point on every Rs. 1.5 lakh spends
Standard Chartered Emirates Platinum Mastercard Credit Card Rs. 13,999

Or

Rs. 3,999

  • Welcome Bonus of 27,500 Skyward Miles.
  • 4 Emirates Skywards Miles for every Rs.150 spent
  • Fly to Dubai if you earn 27,500 Skyward Miles.
  • Fly to Rome, Paris or London, among others if you earn 55,000 Miles.
  • Fly to USA if you earn 85,000 Miles.
SBI Air India Visa Signature Card Rs. 4,999
  • 1 Air India Mile = 1 Reward Point.
  • 20,000 Reward Points as Welcome Bonus.
  • 20 reward points for every Rs. 100 spent on Air India tickets.
  • Access to over 600 International Airport Luxury Lounges with complimentary Priority Pass Program.
  • Complimentary Visa Lounge Access Program in India at major domestic airports.

 

Best Credit Cards – Premium

 

Credit Card Annual fee Features
HDFC Bank Diners Club Black Card Rs. 10,000
  • Earn 50 points per Rs. 150 spent on selected outlets
  • 5 points per 150 spent on all other spends
HDFC Bank Regalia Card Rs. 2,500
  • Get 1,000 points & up to  1,000 cashback
  • Get 8 points per Rs. 150 spent at www.hdfcbankregalia.com and dining
  • Get 4 points per Rs. 150 spent on others
SBI platinum Card Rs. 2,999
  • Free One Way Domestic Air Ticket or Apparel Vouchers worth 3,000
  • Earn 10 points on every Rs. 100 spent on Dining, Departmental Store & International Spends
  • Get 2 points on Rs. 100 spent on others
Standard Chartered Emirates Platinum Card Rs. 13,999
  • 27,500 bonus Skyward Miles
  • Get 4 Emirates Skyward Miles on Rs. 150 spend
The American Express Platinum Reserve card Rs. 5,000
  • 3% cashback on fuel
  • Upto 10,000 cashback on travel
  • 1 MR point per Rs. 50 spent
  • 11,000 Bonus Membership Rewards Points

 

Best Credit Cards – Fuel

 

Credit Card Annual fee Features
Indianoil Citibank Platinum Card Rs. 1,000+tax
  • Save 5% on purchasing fuel at IndianOil outlets.
  • 250 bonus points as welcome offer
  • You  receive 4 Turbo Points on every fuel purchase worth Rs. 150 at IndianOil outlets
  • Receive 4X Turbo Points for every Rs.150 spent if you spend more than Rs. 10,000 in one transaction
  • get a discount of Rs. 3,000 on hotel bookings made through the MakeMyTrip web portal.
  • You also receive 2 Turbo Points on every Rs 150 spent on grocery and at supermarkets
  • 1 Turbo Point on every Rs 150 spent on shopping, dining and entertainment
ICICI Bank HPCL Coral Amex Credit Card
  • Earn 6 PayBack points on every Rs. 100 spent
  • Get 2.5% cashback on every fuel purchase in India up to maximum purchase of Rs. 4,000
  • Save up to 15% at over 800 restaurants
  • Get discount of Rs.100 on up to 2 movie tickets taken from bookmyshow website
SBI Simply Save Rs. 499
  • Waiver of 2.5% on fuel surcharge for fuel purchases between Rs.500 to Rs.3000
  • Earn 10 Reward Points for every Rs 100 spent on movies, dining, shopping for groceries, etc.
  • Earn 1 Reward Point for Rs 100 spent on all other purchases.
InduInd platinum Aura Card
  • Unmatched travel rewards on air/rail tickets, car rental expenses and hotel expenses.
  • Fuel savings of up to Rs. 2400 annually with 2.5% fuel surcharge waiver at all petrol pumps.
  • Savings on every expense ranging from 0.5 point to 4 points for every Rs. 100 spent using the card
Standard Chartered Super Value Titanium Credit Card Rs. 499
  • 2.5% surcharge reversal + 2.5% cash back on the transaction amount
  • Telecom Bill Payments
  • Utility Bill Payments

 

Best Credit Cards – Shopping and Cashback

 

Credit Card Annual fee Features
FBB SBI Styleup Credit Card Rs. 499
  • Get STYLEUP Gifts in the form of Fbb vouchers for a value of  500.
  • Get 10X Reward Points on purchases done at Standalone Fbb, Big Bazaar or Food Bazaar stores and also on dining bills.
Standard Chartered Manhattan Platinum Credit Card
  • 5 Reward Points on hotel, dining, airline and fuel spends
  • 5% cashback on departmental spends
  • Upto Rs. 500 cashback every month
  • Upto Rs. 150 cashback per transaction
Standard Chartered Super Value Titanium Credit Card
  • 1 Reward Point/ Rs. 100 spend
  • 5% cashback on fuel
  • 5% cashback on telecom,utility bill payments
  • Rs. 100 cashback per transaction

These are among the best credit cards of the above mentioned categories. You can compare and choose the best credit card as per your requirements and wishes.

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