Best Credit Card in India 2024 & Offers for you to Apply now!
With the best credit cards available, set out on a journey of unmatched benefits. These cards, intended for the affluent, provide an array of exclusive advantages and benefits that are unparalleled in terms of value. Enjoy higher reward rates, superior security features, and services that elevate your financial experience to elite levels. As you step into a world of luxury and convenience, embrace the best the financial world offers. For those who accept nothing but the best, this is your gateway to a world of exclusive privileges and rewards. Apply now to join the elite!
Written by: Vimlesh Singh
Updated by:Â 22-03-2024
Annual Fees
Rs. 499 /-Â
*Applicable Taxes
Joining Fees
Rs. 499 /-Â
*Applicable Taxes
Minimum Credit Score Required
- Accumulate 10 reward points for every Rs 150 expenditure on dining, movies, groceries, and departmental stores.
- For all other expenses, get 1 reward point on every Rs 150 spent.
- Starting from the second year, delight in the annual membership fee being waived.
- Get 2000 reward points by spending IN 2,000 or more in just the first 60 days of card issuance. Movies: Get 10 reward points for spending INR 150 on movies.
HDFC Bank UPI RuPay Credit Card
Rewards, Cashback, Lifestyle, Cerdit Card for UPI Apps, Earn Rewards on all UPI transactions
Annual Fees
Rs. 250 /-Â
*Applicable Taxes
Joining Fees
Rs. 250 /-Â
*Applicable Taxes
Minimum Credit Score Required
750+Â
Check Free Credit Score
- Earn 3% cash points for grocery, supermarket, dining, and PayZapp purchases, up to 500 points monthly.
- Receive 2% cash points for utility expenditures, with a 500-point limit each month.
- For all other transactions, except rent, wallet top-ups, EMI, fuel, and government categories, get 1% cash points, the maximum obtainable is 500 points per month.
- By spending more than ₹25,000 in a year, you can have the renewal membership fee revoked.
- Have the renewal membership fee waived by spending Rs. 25,000 /- or more annually. Movies: Get 10 reward points for spending INR 150 on movies.
- Enjoy a 15% discount under Dining Delight offerings of a maximum of up to INR 500.
- Get 10% off on Myntra purchases of a minimum of INR 500.
- Earn 5% off on paying utility bills through Amazon Pay.
- Get 100% cashback of up to INR 300 on the very first utility bill paid within 30 days of card issuance.
- Movie: 10% off a maximum of up to INR 100 monthly on BookMyShow.
Annual Fees
Rs. 449 /-Â
*Applicable Taxes
Joining Fees
Rs. 449 /-Â
*Applicable Taxes
Minimum Credit Score Required
700+Â
Check Free Credit Score
- Enjoy 5% savings on Indian Oil Fuel bills
- Get 1000 reward points as a welcome benefit
- Save 2% on dining and grocery bills.
- 1000 reward points on spending of INR 500 within first 30 days
AU Small Finance Bank Credit Card
Fuel, Shopping, Travel, Movies, Dine-in
- Get a 1% fuel surcharge waiver on INR 400-5000 spending.
- Upto 10X reward on online and offline spending.
- Premium membership to OTT and Cult. fit.
- 1.5% Cashback on offline spends.
- Customised based on the card selected
- Movies: 3 months complimentary membership to OTT
- Lifetime Free Credit card.
- 1% Fule Surcharge Waiver at Rs.200/- Month.
- 25% off at movie tickets once a month (Via PayTm)
- Super save interest rate from 0.75% – 3.5% per month.
- Up to @0% discount across 1500 restaurants.
- Insurance protection: Presonal accident cover, Lost card liability cover.
- Customised based on the card selected
- Fees & Charge: LTF (Life Time Free)
IDFC First Power Rupay Credit Card
Fuel, Shopping, Travel, Movies, Dine-in
Annual Fees
199.00/-
Joining Fees
199.00/-
Minimum Credit Score Required
710+Â
Check Free Credit Score
- Save up to Rs. 7,000/- annually with this credit card, enough to buy you 65+ litres of fuel.
- welcome benefits worth Rs. 1,400 /-
- Never Expiring Rewards
- Low & Dynamic interest rates starting at 9% per annum.
- 0% Interest on ATM Cash Withdrawals until due date.
- Customised based on the card selected
- Annual Fee – Rs.199(Waived off on crossing Rs. 50,000 spends in the previous anniversary year).
Kotak League Platinum Credit Card
Fuel, Shopping, Travel, Movies, Dine-in
- 8 reward point on every Rs. 150/- spent (excluding fule and cash withdrawal)
- Joining gift of movie voucher worth Rs. 500/-
- 10,000/- reward points or 4 PVR tickets on the spends of Rs. 1,25,000 /- in every 6 months.
- Railway surcharge (maximum Rs.500/-) on IRCTC
- Customised based on the card selected
- get 5000 reward points worth Rs.500/-
- Fuel surcharge waiver upto Rs. 3500/-
- Railway surcharge waiver upto Rs.500/-
Annual Fees
500.00/-
Joining Fees
500.00/-
700+Â
Check Free Credit Score
Minimum Credit Score Required
- Earn Unlimited 5% cashback
- welcome Benefit Worth Rs.600/- upon activation
- Airport lounge access
- Enjoy fuel surcharge waiver nationwide.
- Get a 15% discount on restaurant bills.
- Annual fee waiver
- Get exciting offers on flipkart EMI purchases.
- Customised based on the card selected
- Annual fee – Rs. 500/- (Waived off on annual spends of Rs. 3.5 Lakh of more)
- Earn Unlimited 5% cashback.
- Airport lounge access
- Exiting offers on Flipkart.
Annual Fees
500.00/-
Joining Fees
500.00/-
Minimum Credit Score Required
700+Â
Check Free Credit Score
- Exclusive reward points on purchases
- Caseback on spends made online across various merchants, including Amazon and Flipkart.
- Welcome benefits.
- Vouchers on meeting minimum monthly spending criterial.
- EMIs for transactions.
- Customised based on the card selected
- Joining Fee – Rs. 500.00/- + Applicable Taxes
- Renewal Membership – Rs.500.00/- + Applicable
Standard Chartered Platinum Rewards Credit Card
Exciting cashbacks | Lifetime Free | Discounts on flight & travel
- Earn 5X reward points per INR 150 on dining expenditures.
- Get 5X reward points per INR 150 on fule.
- Enjoy 1X reward point per INr 150 on other categories.
- Host of offers and discounts across shopping travel, and more with exclusive offers.
- Customised based on the card selected
- Joining Fee – Zero Annual and Joining fees.
- *Spend of RS.500/- or more on retail transactions within 30 days form card issuance date to avoid levy of onetime fee of INR 250+GST.
Induslnd Bank Credit Card
Wide range of variants | Attractive reward point| Welcome benefits.
Annual Fees
00/-
Joining Fees
00/-
Minimum Credit Score Required
Above 680 and no negative credit remarks
Check Free Credit Score
- Get instant reward points on expenditures.
- Get access to complimentery golf lessons
- Enjoy fuel surcharge waiver at the petrol pump
- Enjoy per-trip assistance
- offers on movie tickets
- get access to VIP lounges in the world
- 100% digital & paperless process
- Simple, Fast & Secure
- Customised based on the card selected
- Indus Easy Credit Card – Lifetime Free card.
- Offering Amazon E-Voucher for Rs. 500/-
- Get upto 15% off Hotels & Flights
- Get 20% off upto Rs. 100/- on your next food order.
AU SwipeUp Card
Higher Rewards | Exciting Cashback | Lifetime Free Card.
- Get a lifetime free credit card.
- Upgrade from the feature of your existing credit card.
- Get higher reward points, higher credit limit from your existing credit card.
- Get exclusive cashbacks.
- Customised based on the card selected
- Get exclusive cashbacks
- Get higher reward & credit limit.
- upgrade from the feature of your existing credit.
HSBC Cashback Credit Card
Nominal Joining fees | Amazing cashback and rewards
Annual Fees
999.00/-
Joining Fees
999.00/-
Minimum Credit Score Required
- Get 1% cashback on all the other transactions.
- Get 3 free entries to domestic and international airport lounges or 3 AirDine meal vouchers.
- Receive an instant 30% discount with EazyDiner, upto Rs. 600/-
- Avail a 10% discount at Blinkit up to Rs. 100% using the promo cade HSBC10.
- Enjoy Ajio vouchers worth Rs. 3000/- with the card.
- Customised based on the card selected
- Amazon & Swiggy voucher of Rs.500/- as Welcome Benefit
- Enjoy the 12-month SonyLIV membership upon joining.
- Spend Rs.1 Lakh annually for a Rs.750/- HSBC fee reversal.
SBI Simply CLICK Credit Card
Simply Click and get 5X reward points* on Exclusive online partners.
Annual Fees
499.00/-
Joining Fees
499.00/-
Minimum Credit Score Required
- 1% fuel surcharge waiver for each transaction between Rs. 500 & Rs. 300-
- Annual Fee reversal: Sepend Rs 1,00,000/- and get annual fee of Rs. 499 reversed.
- Log-in gift get amazon.in gift card worth Rs.500* on payment of annual fee of Rs. 499 +Taxes.
- Customised based on the card selected
- Amazon giftcard worth Rs. 500/-
- 10X reward points on online spend
- Fuel Surcharge waiver of 1%
Bajaj RBL Credit Card
Shop #limitlessly with Bajaj RBL card, because that’s what it is for.
- Zero joining
- for every INR 100 spent on any purchase, earn 1 reward point.(Can be used on RBL environment only)
- Get 12 reward points for every INR 100 spent online(can be used on RBL enviroment only)
- Up to 12X reward points on online spends
- Attractive discounts on shopping, dining, travel & other Categories
- Welcome benefits
- Easy rewards redemption
- Easy EMI’s
- Customised based on the card selected
Zero joining fee
Flexible EMI’s
Benefits on Benefits
SBI Cashback Credit Card
Enjoy cashback on every swipe | Hassle-free usage and renewal
Annual Fees
999.00/-
Joining Fees
999.00/-
Minimum Credit Score Required
- Earn 5% cashback on online purchases with no merchant restrictions.
- Receive 1% cashback on offline transactions.
- Automatic cashback credit to the account within two days post-statement generation.
- Please Note: cashback is not earned on Merchant EMI & Flexi pay EMI transactions.
- Annual fee reversal on spending RS. 2 Lakhs within a year.
- Fuel surcharge waiver of 1% at all petrol pumps in India for transactions between Rs. 500 – Rs. 3000(Maximum Rs.100 waiver per cycle).
- Contactless payments are enabled for secure and quick transactions.
- Use the card at over 24 million outlets worldwide, including 3.25 Lakh in India.
- Customised based on the card selected.
- Earn 5% cashback on online purchases.
- Automatic cashback credit to the account.
- Contactless payments.
Annual Fees
399.00/- + GST
Joining Fees
399.00/- + GST
Minimum Credit Score Required
- 100% digital & paperless process
- Rewards on bill payment.
- Fuel surcharge waiver
- access to MasterCard lounges
- Special offers on movie tickets, bills, dining, shopping, and travel.
- Joining Fee: 399 + GST (Differ With Variants)
- Annual Fee: 399 + GST (Differ With Variants)
- Customised based on the card selected.
- Fuel surcharge waiver
- airport Lounge access
- Accumulated Reward points.
Kotak Mojo Platinum Credit Card
Credit cards with features that will raise. Your. Life. Game.
Annual Fees
1000.00/-
Joining Fees
1000.00/-
Minimum Credit Score Required
- 5 Mojo points on every Rs. 100 spent online.
- 1 mojo point for all the other spend worth Rs.100/-
- 8 complimentary annual airport lounge visits
- 8% railway surcharge waiver for transactions made on IRCTC
- Customised based on the card selected.
- Airport lounge access
- Fuel Surcharge waiver up to Rs. 35,00/-
- 5 Mojo points on every Rs. 100 spent
- 100% approval guarantee, eliminating the hurdles of income or credit score prerequisites.
- Enjoy lifetime membership with the rapid credit card without the burden of annual or joining fees.
- Get the card on a minimum fixed deposit of Rs. 5,000/- and enjoy an annual interest rate of up to 7%
- close your FD anytime, no lock-in
- Your FD is fully insured by RBI up to Rs.5 Lakh.
- Avail of a generous credit limit of 90% & cash limit of 80% of the fixed Deposit amount.
- Access too many discounts on dining, lifestyle, medicines, and other categories.
- Earn transparent rewards on every purchase adding more value to your spending.
- Claim rewards without incurring any additional fee.
- Joining fee: Nil
- Annual Fee: Nil
- Forex Mark-up Fee: Minimal forex mark-up fee of 2.49%
- Late Payment fee: 299.
- Cash advance fee: 2.5% or Rs.300, whichever is higher.
- Customised based on the card selected.
- Earn up to 7% p.a. interest on FD
- Close your FD anytime, no lock-in
- No credit score needed.
SBI IRCTC Platinum Credit Card
Experience hassle-free train travel with IRCTC SBI credit card
Annual Fees
300.00/- + GST
Joining Fees
500.00/- + GST
Minimum Credit Score Required
- 4 free railway Lounge access/year in India.
- Get 1% off in IRCTC ticket bookings!
- Unlock Exclusive Travel privileges at irctc.co.in!
- Earn 1 Reward point/Rs. 125 on Non-Fuel purchases! Redeem on IRCTC!
- Flesipay: Easy Monthly Installments Available.
- Customised based on the card selected.
- Get 1% off on IRCTC ticket Bookings!
- Up to 10% Value back
- Railway lounge access
AU Bank Credit Card
Exciting Cashback | Uncapped reward points | Brand Vouchers
- Earn 5X / 10X Reward points
- Fuel surcharge waiver
- Milestone cashback
- Earn cashback on groceries, dining, travel, electronics, and apparel.
- Airport lounge access
- Fun & Fitness – Memberships
- Card Liability Cover
- 100% digital & Paperless Process
Annual Card Membership fee – Lifetime Free LIT Card
- Customised based on the card selected.
- 1% Fuel surcharge Waiver
- 5,000+ Yearly Benefits
- Rewards & Cashbacks