Which is Best Credit Card in India You Might Want to Know About

Which is Best Credit Card in India:

Plastic is one word that dominates our life from household goods to everything. So much so that plastic money is a reality. Thanks to the use of credit and debit cards that we use so often. To ease the use of money without having to carry large amounts of liquid cash, banks all over the world issue credit and debit cards. These cards make transactions easy and effortless. Credit cards are a very big component of the world of finance nowadays. A credit card allows the use of services on credit. “A credit card is a plastic card issued by financial institutions, which lets you borrow funds from a pre-approved limit to pay for your purchases. The limit is decided by the institution issuing the card based on your credit score and history.” Indian consumers have the choice to choose from a variety of credit cards.  But it is the dilemma to decide, which is the best credit card in India that causes the storm??

Here are some tips that will help you decide which the best credit card in India is:

Which is Best Credit Card in India
Which is Best Credit Card in India
Card Card NameApproval First year fee Rewards Joining perks
HDFC Bank Diners Club Black Card100% PAPERLESS APPROVAL5000/-

Reduced to 0, If spends >  1 lakh In 90 days

•5 points/ 150 on all retail spends

•10X points on select partners

10,000 points on paying joining fee
Citi Cashback Card 500/-•Movie tickets, telephone & utility bills: 5% cashback

•Others: 0.5% cashback

No joining perks
HSBC Visa Platinum Card100% PAPERLESS APPROVAL0•6 points/ 150 spent

•10 points/ 150 spent

•2 points/ 150 spent on others

•10% cash back


2,000 Cleartrip vouchers

IndusInd Bank Platinum Card100% PAPERLESS APPROVAL01.5 points/ 150 spent1.5 points/ 150 spent
Axis Bank Neo Credit Card100% PAPERLESS APPROVAL250/-•10% off / cash back on select spends

•2 points/200 spent

•15% off at selected restaurants

•Jabong gift voucher worth 500

•BookMyShow voucher worth 300

Amazon Voucher worth 250

Kotak PVR Platinum Credit Card100% PAPERLESS APPROVAL999/-•2 Free movie tickets at PVR every month

•1 Free movie ticket on 750 spent at PVR cinema

No joining perks
IndianOil Citi Platinum Card 1000/- Reduced to 0 If annual spends >  30,000•Fuel at IndianOil outlets:  150 = 4 turbo points

•Groceries/supermarkets:  150 = 2 turbo points

•Others:  150 = 1 turbo point

No joining perks
Yatra SBI Card 499/-•6 points/100 spent on grocery, dining, movies & international spends

•1 point/100 spent on all others

•1 Reward Point = 0.25

Yatra.com voucher worth 8,250
SimplySAVE SBI Card 499/-•10 points/100 spent on dining, movies, grocery and department stores

•1 point/100 spent on all other categories

2,000 bonus Reward Points
HDFC Bank Freedom Credit Card



Reduced to 0 If CASA account is opened

•25 points/ 150 spent on birthday

•5 points/ 150 spent on movies, dining, groceries, railways & taxi

•10 points/ 150 spent on SmartBuy & PayZapp

•1 point/ 150 spent on all other categories

Welcome benefit of 500 reward points on paying joining fee
SimplyCLICK SBI Card 499/-•10 points/ 100 spent online with exclusive partners

•5 points/100 on other online spends

•1 point/ 100 on all other spends

E-gift voucher worth 500 from Amazon

The above list will definitely help you choose which is the best credit card in India!

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