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28 Best Credit Card in India

Written By Sushma Singh

A credit card is not a necessity anymore, it is a way of life these days. With digitalization and other such revolutions taking place side by side, the demand for digital money has multiplied. It has pushed a lot of people to go for UPI IDs and credit cards. Since credit cards seem to be like a fashion statement these days it is only natural that we inform you about the best credit card in India that are available in the market. Along with this, you will also get to know the best credit card payment app for Android.

28 Best Credit Card in India

When we talk about finding the best credit card it is necessary that we understand the criteria to choose one among the others will need you to compare cards on various fronts like fees charged, benefits provided, public rating, etc. Thus, we have compiled a list of the best credit cards available in India.

1. Axis Bank Ace Credit Card

Axis Bank Ace CC

This card is available for pretty cheap. You are eligible for this card if you are an Indian resident and between the age of 18 and 70 years. The card comes with no limit on the upside for cashback rewards and the holder of the card can earn:

  • 5% cash back on hotel and other bills
  • You can also get lounge access at the airport
  • For normal payments, the users can expect a cashback of 2% while DTH and mobile recharge via GooglePay get you 5% cash back. The card can also be accessed via the Axis bank app.

Fees and Charges:

  • Annual fees – 499
  • The charge on the card is 3.6% per month or 52.86% per annum.
  • Cash withdrawal fee is 2.5% and a minimum sum of 500 rupees needs to be withdrawn.
  • If you go over the limit by 500 rupees or more on the card then you will be charged 3% of the over limit amount as a penalty.

2. SBI card Elite

SBI card Elite

This is one of the best credit card in India that you can get. SBI card Elite can be managed by linking it to the best credit card payment app for Android.

  • This card is very useful for people who shop or travel a lot, moviegoers also benefit from using this card
  • Trident Privilege membership, and club Vistara benefits, are some of the additional perks that come with this card in addition to complimentary movie tickets available occasionally
  • If you sign up for Mastercard then you get 4 rounds of complimentary green fees access and up to 50% off on golf games and also 1 free golf lesson per month at selected golf courses across India. You also get up to 15% discount on best room rates and up to 15% discount on F&B at Lalit Hotels
  • Signing up for Visa gets you savings of up to 10% on car rental service offered by Hertz and up to 35% on car rental service offered by Avis. You also get exclusive benefits across 900 luxurious hotels worldwide
  • Getting an American Express gets you dining offers and up to 25% discount on various places in your city. You also get a complimentary tablet plus membership and access to VIP upgrades and privileges at Indian as well as hotels the world over.

Fees and Charges:

  • Annual fees – 4,999 rupees

3. HDFC Regalia Credit Card

HDFC Regalia CC

For travelers and shopping fanatics we have this wonderful card available.

  • Like a lot of other credit cards, this card too gets you access to an airport lounge with 6 of them out of India and 12 within India
  • The card usage also gets its user reward points. For every 150 rupees that you spend on retail payments, you get 4 points in return for it which you can use to get benefits on your next transactions. The card can be managed via HDFC app. The card itself has a classy and appealing look
  • You get a bonus of 10,000 reward points for spending 5 lakhs and on a spend of 8 lacs you get additional 5,000 reward points in an anniversary year.
  • The card also gets you a 1% fuel surcharge waiver at all fuel stations across India.
  • You also get a fixed 25% off at 2,000+ premium restaurants, a 1+1 on buffets across 200 restaurants, and an additional 5% off with zero convenience fees.

Fees and Charges:

  • Annual fees – 2,500 rupees

4. Flipkart Axis Bank Credit Card

Flipkart Axis Bank CC

This collaboration card can be accessed via Flipkart as well as the Axis bank app. If you are between the age of 18 and 70 and an Indian resident or NRI, then you are eligible for this credit card. For just 500 rupees, it gives you in return benefits worth at least thousands if not more. New users of the card get welcomed with Flipkart vouchers and that’s not all,

  • If you use this card on Flipkart or Myntra then you get 5% cashback. The card is very attractive for online shoppers and is usually the go-to credit card for many of them.
  • You get 1,100 rupees worth joining and activation benefits and 500 rupees worth of Flipkart voucher on your first transaction.

Fees and Charges:

  • Annual fees – 500 rupees
  • The finance charge is 3.6% monthly or 52.86% per annum
  • Cash withdrawal is charged at 2.5%.
  • Over-limit penalty is also charged at 2.5%.

5. Amazon Pay ICICI Credit Card

Amazon Pay ICICI credit card

Cards that benefit online shoppers are plentiful and add to that long list we have this card born from Amazon’s partnership with ICICI bank. Apart from shopping the card also offers good cashback offers. The charge for this card is nil and we all know how much free things are liked by one and all. In return for using this card,

  • The users get up to 5% cash back on the amount that they spent on Amazon.
  • With this card, you can get yourself a 15% discount at over 2,500 restaurants.
  • You also get a 1% waiver on fuel surcharge.

Fees and Charges:

  • Annual fees – Nil

6. Citi PremierMiles Credit Card

Citi PremierMiles Credit Card

From Citibank, we have this top credit card which is crafted especially for the traveler within you. For a card that claims to be a traveler’s card, one might not be shocked to know that this credit card provides you with up to 10 times reward points when you make transactions related to air travel. You can use the Citibank app to access/manage your card and also you link it with various credit card payment apps.

  • You get complimentary access to select airport lounges across India.
  • Your Miles never expire and can be transferred to 14 airlines as well as hotel partners.
  • You also get 20% savings in participating restaurants.

Fees and Charges:

  • Annual fees – 3,000 rupees

Also Read: 10 Questions to Ask Before Applying for a Credit Card

7. HDFC Millenia Credit Card

HDFC Millenia Credit Card

The number of HDFC cards on this list only shows just how well the bank knows its customers and how they craft top credit cards for them. With this card, you get access to one of the best credit card in India. Anyone between the age of 21 to 40 who is also an Indian national is eligible for HDFC Millennia card provided that a salaried person earns more than 35,000 as gross salary or a self-employed person who earns 6 lakh per annum.

  • Using this card gets you 5% cashback on partner brands and the card can be linked to some of the best credit card payment app as well as some of the best credit card app for Android.
  • A 20% discount on partner restaurants via Dineout awaits you.
  • You also get 2 complimentary lounge access per quarter.
  • You also stand to earn a 1% waiver on fuel surcharge.

Fees and Charges:

  • Annual fees – 1,000 rupees

8. Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card

Just like HDFC, Standard Chartered also keeps featuring on this list again and again with one credit card after the other.  You can be associated with this credit card by paying just 49 rupees a month. This card is especially useful for online shoppers. To get this card you should be between the age of 21 and 65 years and have a minimum monthly income of 50,000 rupees. The card comes with a lot of benefits for its users with the standout benefit being

  • Up to 20% off partnered banks which is surely strong enough to convince a handful number of people.
  • If you spend 5,000 rupees using the card then your 49 rupees charge for the following month gets waived off

Fees and Charges:

  • Monthly fees – 49 rupees

9. BPCL SBI Card Octane Credit Card

BPCL SBI Card Octane Credit Card

On this list of credit cards that till now has been dominated by shopping and traveling credit cards, we have the first credit card that is built for benefiting those who find themselves refilling their fuel tanks often. Since the card is partnered with BPCL you can get

  • A 7.25% value back on the amount that you spend on fuel refill at BPCL petrol pumps.
  • Paying the annual fee gets you 6,000 reward points which is as good as 1,500 rupees.
  • This is an International card and works in 24 million outlets around the world and in India it is functional in 3,25,000 outlets.

Fees and Charges:

  • Annual fees- 1,499 rupees

10. HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Diners Club privilege Credit Card | Best Credit Card in India 2022

And just like that we now have a credit card on the list that is a lifestyle favoring credit card. This card by HDFC was built to cater to travelers and lifestyle fanatics. You can be assured that HDFC will come out with a credit card to cater to every niche and it will provide an unrivaled service/experience. A salaried person between the age of 21 and 60 years who earns more than 70,000 rupees per month is eligible for this card. A self-employed person between the age of 21 years and 65 years with an annual income of more than 8.4 lakh per annum is eligible for this credit card. The rewards that you can get from using this card include getting an

  • Amazon Prime membership is complimentary, MMT Black, Dineout Passport, etc.
  • You get a 1% waiver on fuel surcharge
  • 12 complimentary airport lounge access at 1000+ airports in India and around the world.

Fees and Charges:

  • Annual fees – 2,500 rupees

11. HDFC InterMiles Signature Credit Card

HDFC InterMiles Signature Credit Card

For frequent air travelers, HDFC has a credit card for which it has collaborated with InterMiles Loyalty Program. The users of this card get a lot of InterMiles points on meeting various parameters. You also get a complimentary silver membership for InterMiles when you sign up for this credit card. A salaried person between the age of 21 and 60 years who earns more than 90,000 rupees per month is eligible for this card. A self-employed person between the age of 21 years and 65 years with an annual income of more than 12 lakh per annum is eligible for this credit card. This card gets you,

  • Complimentary access to the airport lounges
  • Helps you save money on hotels and flights, and also gets you discounts on Etihad flights.
  • On renewing the card you stand to get rupees 750 off on flight tickets and 1,000 rupees off on hotels.
  • Per quarter you get 4 complimentary lounge visits.
  • You get a 1% waiver on fuel surcharge on all petrol pumps.

Fees and Charges:

  • Annual fees – 2,500 rupees

12. Air India SBI Signature Credit Card

Air India SBI Signature Credit Card

With this credit card, SBI offers you its version of a travelers credit card which has been made in collaboration with Air India. The card enjoys a huge fan following amongst frequent Air India users and one can clearly see why that’s the case, with this card,

  • You get the benefit of the Air India Frequent Flyer program. You also get airport lounge access, free membership, accelerated rewards, etc., and your rewards can be converted to Air India Miles as well.
  • Get a 1% waiver on fuel surcharge across all Indian petrol pumps.
  • The card works in 2 million Visa outlets out of which 2,85,000 are located in India.
  • You can withdraw cash from 1 million Visa ATMs worldwide or from 18,000 of those in India.
  • You can also withdraw money from 10,000 SBI ATMs present across 100 Indian cities.

Fees and Charges:

  • Annual fees – 4,999 rupees

Also Read: How to Check Credit Score Online?

13. Axis bank Vistara Signature Credit Card

Axis bank Vistara Signature Credit Card

Axis bank didn’t want to stay behind on this one so it came up with a collaboration with Vistara and there are no points for guessing who this credit card is popular amongst. This is one of the best if not the best credit card in India 2022. The card can be accessed via the Axis bank app and also readily connects with the best credit card payment app that is out there. The best credit card app for Android can all pair well with this credit card and provide you with a hassle-free transaction experience. If you are between the ages of 18 to 70, an Indian resident, and earn 6 lakh per annum then you are eligible for the card.

Fees and Charges:

  • Annual fees – 3,000 rupees
  • Finance charge on the card is 3.6% per month or 52.86% per annum
  • The cash withdrawal fee is 2.5% per annum.
  • Over-limit penalty is also chargeable at 2.5%.

14. IndianOil Citi Credit Card

IndianOil Citi Credit Card

Indian Oil and Citi bank collaborated to make this credit card. Using this card gets you,

  • Turbo points when spent on specified items and these points can be used at Indian Oil petrol pumps in place of hard cash.
  • Using this card also gets you a 1% waiver on a surcharge at Indian Oil pumps which is again a plus point. The point redemption system supported by this credit card is very flexible making the user’s life easy.
  • You stand to earn rewards on fuel, holidays, air miles, cashback and more.
  • You also get up to 20% savings on participating restaurants.

Fees and Charges:

  • Annual fees – 1,000 rupees

15. IndianOil Axis Bank Credit Card

Indian Oil Axis Bank Credit Card | Best Credit Card in India 2022

Indian Oil is the first company on this list that has collaborated with two banks for a credit card that features among the list of best credit cards. If you are between the age of 18 and 70 years and are an Indian resident or an NRI then you are eligible for the card.

  • You get 100% cashback within 30 days as a welcome gift.
  • On online shopping, there is a 1% value back reward that you can expect.
  • You can also get benefits while booking tickets using BookMyShow when you use this credit card for the transaction.
  • The card also has partnered up with various dining outlets where you can get discounts for yourself if you make your payment using this credit card.

Fees and Charges:

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  • Annual fees – 500 rupees
  • Finance charge on the card is 3.4% a month or 49.36% per annum.
  • Cash withdrawal is also charged at 3.4% on this card
  • The over-limit penalty is charged at 2.5%.

16. HDFC Bharat Cashback Credit Card

HDFC Bharat Cashback Credit Card

This is not your average-looking credit card and is the first of its kind on this list. HDFC’s Bharat Cashback credit card comes with its fair share of benefits for its users. A salaried person between the age of 21 and 60 years who earns more than 12,000 rupees per month is eligible for this card. A self-employed person between the age of 21 years and 65 years with an annual income of more than 2 lakh per annum is eligible for this credit card.

  • Using this card gets you benefits on fuel, grocery, utility bill payments, etc.
  • You can also get a cashback of 5 percent when booking tickets on IRCTC and you are given a 1% fuel surcharge waiver.

Fees and Charges:

  • Annual fees – 50 rupees

17. BPCL SBI card

BPCL SBI card

This SBI card has been devised in collaboration with BPCL. Using this card you can get,

  • Up to 4.25% value back on transactions made at BPCL petrol pumps.
  • Other benefits available when using this card are rewards on grocery, dining, movie tickets, etc. These rewards and a very low annual charge make this card one of the best credit card in India 2022. The card can also be paired with all the best credit card payment app available on the market. The best credit card app for Android all supports the card so you need not worry about failed transactions.
  • The card is an International credit card and can be used in 24 million outlets worldwide and in 3,25,000 Indian outlets.

Fees and Charges:

  • Annual fees – 499 rupees

18. HDFC Infinia Credit Card Metal Edition

HDFC Infinia Credit Card Metal Edition

We now have a special edition card on the list courtesy of none other than HDFC. It is also the first Invite-only credit card on the list and its annual fee of rupees 12,500 partially tells you why. The card has offers to give away money spent on various items and is specially crafted for people who believe in spending a lot.

  • In the first year, you get a complimentary Club Marriott membership.
  • Other benefits include getting unlimited golf games at courses across India, a 1+1 buffet in ITC hotels as well as book a 3 night stay and pay only for 2 nights only that have signed up for the offer, and much more.
  • Play unlimited rounds of golf at India’s leading courses and select courses worldwide. You get 10,000 reward points on activation of the card.

Fees and Charges:

  • Annual fees – 12,500 rupees

Also Read: 10 Best Credit Cards for Travel in India

19. Axis Bank Reserve Credit Card

Axis Bank Reserve Credit Card

Now we have the mother of all credit cards with this top credit card priced at 50,000 rupees annually. With a price like that it’s easy to understand that the card comes with the most benefits when compared to other cards on this list.

  • You can get unlimited access to airport lounges, membership to various top leisure hotels, 8 free VIP assistance services, and much more with this card in your pocket. On this list of the best credit card in India 2022, this is so far the priciest card and is compatible with all the best credit card payment app and the best credit card payment app for Android.
  • You get a 1% waiver on fuel surcharge. You also save 25% on health and wellness coaching plans with 1st session being complimentary.

Fees and Charges:

  • Annual fees – 50,000 rupees

20. SBI Card Prime

SBI Card Prime | Best Credit Card in India 2022

Back to more affordable credit cards, we have this SBI card. If you are using this card then you should know that this card provides all-around benefits and is not specifically made for travelers, shoppers, or anyone else.

  • As a welcome gift, you get E-vouchers worth rupees 3,000, complimentary Club Vistara and Trident Privilege Red Membership, access to international and domestic airport lounges, etc. The card boasts of one of the highest reward rates in its price category.
  • This card is accepted by 24 million outlets across the globe including 3,25,000 outlets in India.
  • If you sign up for Mastercard then you get 4 rounds of complimentary green fees access and up to 50% off on golf games and also 1 free golf lesson per month at selected golf courses across India. You also get up to 15% discount on best room rates and up to 15% discount on F&B at Lalit Hotels.
  • Signing up for Visa gets you savings of up to 10% on car rental service offered by Hertz and up to 35% on car rental service offered by Avis. You also get exclusive benefits across 900 luxurious hotels worldwide.
  • Getting an American Express gets you dining offers and up to 25% discount on various places in your city. You also get a complimentary tablet plus membership and access to VIP upgrades and privileges at Indian as well as worldwide hotels.

Fees and Charges:

  • Annual fees – 2,999 rupees

21. Standard Chartered Platinum Rewards Credit Card

Standard Chartered Platinum Rewards Credit Card

Taking a step further down, we have a Standard Chartered credit card making an appearance once again. The card rewards you points which you can spend on paying the credit card bill or can be redeemed for vouchers and gift cards. The reward points offered by the card do not belong to one category and concerning its price of rupees 250 the reward rate is more than satisfactory. To be eligible for this credit card you need to be of between the age of 21 and 65 years and have a stable monthly income.

Fees and Charges:

  • Annual fees – 250 rupees
  • Finance charge for this card is 3.75% per month or 45% per annum.

22. SimplyCLICK SBI Credit Card

SimplyCLICK SBI Credit Card

There is yet another SBI card that you didn’t know you needed. If you are an online shopper and love being rewarded for your spending then this is the card you need.

  • The card comes with no hidden charges and on getting this card you get a 500 rupee Amazon voucher which only makes up a few of the benefits among many that this card comes with. The card is popular amongst shoppers and rightly so.
  • You get a 1% fuel surcharge waiver.
  • The card is accepted globally by 24 million outlets including 3,25,000 in India.
  • You can withdraw cash from 1 million Visa or MasterCard ATMs across the globe.

Fees and Charges:

  • Annual fees – 499 rupees

23. American Express SmartEarn™ Credit Card

American Express SmartEarn™ Credit Card

We now have the first and only entry from American Express on this list of the best credit card in India 2022. This is coincidentally the cheapest Amex card and there are no fees attached to losing this card. The reward rate of this credit card per its annual charge is commendable. An Indian resident over the age of 18 is eligible for this credit card provided they meet further criteria like, living in particular cities mentioned by the company, earn a salary of more than 4.5 lakh per annum or are self-employed and earn more than 6 lakh per annum. You should have a savings or current account with an Indian or multinational bank, a good credit history and lastly for self-employed people their company must have been trading for more than a year.

  • As a welcome benefit, you can get a cashback of 500 rupees on spending 10,000 rupees using the card within the first 90 days of getting the card.
  • You also get membership reward points for spending money on certain items mentioned.

Fees and Charges:

  • Annual fees – 495 rupees

24. SBI SimplySAVE Credit Card

SBI SimplySAVE Credit Card

Here you have with yourself yet another SBI card, the SBISimplySAVE credit card. Moviegoers, shoppers, and frequent diners are the target audience this card is aimed at. The card is specially crafted for offline shoppers and comes with a whole host of benefits.

  • If you spend 2,000 rupees within the first 60 days of getting the card then you get a 2,000 rupee bonus. Reward points earned can be used to pay credit card due or to purchase things listed on the SBI website.
  • The card is accepted globally by 24 million outlets including 3,25,000 in India.
  • You can withdraw cash from 1 million Visa or MasterCard ATMs across the globe.

Fees and Charges:

  • Annual fees – 499 rupees

Also Read: 28 Best Highest Paying Jobs in India

25. RBL Bank Shoprite Credit Card

RBL Bank ShopRite Credit Card | Best Credit Card in India 2022

This list finally has its second RBL credit card that rightfully takes its place on this list.

  • This card can get you a 10% discount on movie tickets and reward points earned using this card can be used on mobile recharge.
  • The card also gives you 2,000 reward points if you spend money within the first 30 days of getting the card.
  • The card has a lot of other benefits that it offers but benefits on fuel and a waiver on surcharge surely make for the best benefits available. You get 2.5% value back on fuel spends and are charged no fuel surcharge.

Fees and Charges:

  • Annual fees – 500 rupees

26. Axis Bank Buzz Credit Card

Axis Bank Buzz Credit Card

Priced decently we have this Axis Bank Buzz credit card. The card was made for online shoppers and rewards you with Flipkart vouchers.

  • People shopping on Flipkart can get as much as a 10% discount and using this card can get you rewards or even cashback depending on the situation.
  • Users also get a 15% discount on partner restaurants which is just another benefit offered among many others via this card.

Fees and Charges:

  • Annual fees – 750 rupees
  • For cash payment you are charged a fee of 100 rupees.

27. IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia CC

Only the second credit card on this list of best credit card in India that does not require any annual fees comes from IDFC. The reward earned by having this card comes with no expiry date which is a true highlight for any card and even more special for a free card. The card is compatible with all the best credit card payment app and the best credit card payment app for Android which makes it even more appealing.

Fees and Charges:

  • Annual fees – Nil
  • Finance charge is between 0.75% to 3.5% per month or 9% to 42% per annum.
  • The overlimit charge is 2.5%.

28. SBI Aurum Credit Card

SBI Aurum

For an annual fee of rupees 10,000, you get this simple yet stunning-looking credit card. This is a super-premium credit card which again can be availed only via the Invite-only option.

  • The card has a provision to get you 3,500 rupees in case of air ticket cancellation
  • Foreign exchange markup charges levied are very low at 1.99%.
  • This card is again built for heavy spenders and amongst other benefits, the users also get 4 movie tickets worth 1,000 rupees free every month.
  • You get 40,000 bonus reward points which is equal to 10,000 rupees as a welcome benefit.
  • Per quarter you get access to a domestic lounge 4 times and unlimited access to International lounges. You also get 1 visit per quarter to the Airport Spa.

Fees and Charges:

  • Annual fees – 10,000 rupees
  • Finance charge on this card is 3.5% per month or 42% per annum.

To help you make an informed decision, please read our comparative statement in the table below.

Name of Credit Card Annual Fee
(in INR)
Useful for Cashback Offered Other Benefits
Axis Bank Ace Credit Card 499 People interested in earning cashback 5% on bill payments, DTH, and mobile  recharge None
SBI Card Elite 4,999 Shoppers, travelers, and moviegoers No cashback Foreign markup fee of 1.99%
HDFC Regalia Credit Card 2,500 Travelers and shoppers No cashback Great benefits for travelers
Flipkart Axis Bank Credit Card 500 Online shoppers 5% cashback on Flipkart and Myntra purchases You can avail discounts on travel, dining, etc.
Amazon Pay ICICI Credit Card Free Online shoppers and cashback fans 1% cashback on all transactions Free credit card with a good cashback reward rate
Citi PremierMiles Credit Card 3,000 Travelers No cashback Your air miles never expire
HDFC Millenia Credit Cards 1,000 People looking to earn cashback 1% cashback on all transactions Welcome benefits worth joining fee amount
Standard Chartered DigiSmart Credit Card 49 per month Online shoppers This a discount card and does not provide cashback 20% off on Myntra
BPCL SBI Card Octane Credit Card 1,499 People who have high fuel requirements 1% surcharge waiver on all BPCL petrol pumps Complimentary lounge visit
HDFC Bank Diners Club Privilege Credit Card 2,500 Travelers and lifestyle enthusiasts No cashback Discounts on Spas, Saloons, etc.
HDFC InterMiles Signature Credit Card 2,500 Travelers No cashback Big savings on flights and hotel bookings
Air India SBI Signature Credit Card 4,999 Travelers No cashback Lounge access and accelerated rewards
Axis Bank Vistara Signature Credit Card 3,000 Travelers No cashback Free air tickets as per Terms and Conditions
IndianOil Citi Platinum Credit Card 1,000 People who have high fuel requirements 1% surcharge waiver on all IndianOil petrol pumps Free fuel as per terms and conditions
IndianOil Axis Bank Credit Card 500 People who have high fuel requirements as well as online shoppers 100% cashback in 30 days Discounts on movie tickets and dining bill
HDFC Bharat Cashback Credit Card 500 People who have high fuel requirements 5% cashback on fuel Cashback on train tickets, groceries, etc.
BPCL SBI card 499 People who have high fuel requirements 4.25% value back on BPCL petrol pumps Is useful for people other than heavy fuel users
HDFC Infinia Credit Card Metal Edition

SBI Aurum Credit Card

12,500

10,000

High-income heavy-spending individuals

High-income heavy-spending individuals

No cashback

No cashback

Comes with super premium benefits

Free movie tickets every month

Axis Bank Reserve Credit Card 50,000 High-income heavy-spending individuals No cashback Luxury hotel membership benefits
SBI Card Prime 2,999 People looking to earn rewards No cashback The reward rate is very high for its price range
Standard Chartered Platinum Rewards Credit Card 250 People looking to earn rewards No cashback Rewards on lots of things
SimplyCLICK SBI Credit Card 499 People looking to earn rewards No cashback Amazon gift card on joining
American Express SmartEarn Credit Card 495 People looking to earn rewards 500 rupees cashback as per terms and conditions Reward points on various brands
SBI SimplySAVE Credit Card 499 People looking to earn rewards No cashback You get bonus reward points
RBL Bank Shoprite Credit Card 500 People looking to earn rewards No cashback Discount on movie tickets
Axis Bank Buzz Credit Card 750 People looking to earn rewards No cashback Discount on partner restaurants
IDFC FirstMillenia Credit Card Free People looking to earn a reward 5% cashback as a welcome benefit Good reward rate and welcome benefits

Best Credit Card Payment App for Android Cred

Cred

While this can be an issue of dispute there is no doubt as to the rise of CRED as the best credit card payment app. Be it the ratings and reviews or the number of downloads that CRED has, all of it cements its place as the No.1 credit card payment app that we currently have.

Some features of CRED include:

  • Earn reward points on every payment.
  • Instant notifications when your credit card bill is released.
  • Track payment history.
  • Use Smart Statements to get a detailed overview of your spending habits.
  • Earn extra cash using CRED referral offer.

Yet again CRED takes off the number 1 position as the best credit card payment app for Android due to the reasons established above. It is commendable for any app to be as new as CRED in the market and still to not only have made its mark but to be the number 1 in its segment in so much less time.

With these 28 credit cards laid bare in front of you, we have done our job at breaking down why these belong on this list. It comes down to each person now to look out for the credit card that is the best for them.

A traveler might choose a different credit card when compared with a shopper and so on. It is now up to you to decide which is the best credit card in India for your requirements. We hope you found this article informative. Keep reading for more such content!

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Sushma is a full-time blogger and financial expert. Join Sushma and 10,000 monthly readers here to learn how to save and invest your money wisely.

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