Best Credit Cards In India 2023

Credit cards have become essential to our financial life in today’s fast-paced society. They provide convenience, security, and various benefits. We find each card based on its rewards value, rates and fees, welcome offers, and customer experience, and make u more clear where it will shine and where it is going to fall So whether you are looking for Credit Cards  one of these cards you will consider

Table of Contents

Best Cash Back Card Offers

Best Credit Card For Shopping

Amazon Pay ICICI Bank Credit Card

4.6/5

Rewards Rate

  • Welcome bonus :
  • For Prime members: Welcome offer/rewards worth INR 2,500
  • For Non-Prime members: Welcome offer/Rewards worth INR 2,000 + 3 months of Prime membership

Joining Fee
Nil

Annual Fee
Nil

Best Suited For
Shopping

Recommended Credit           Good to Excellent (750–850)

  • Amazon Prime users get 5% cashback on all purchases made on Amazon.
  • Non-Prime users get 3% cashback on Amazon.
  • Use this card on amazon pay 2% cashback on payment at over 100 partner merchants .
  • 1% cashback on other retail transactions.such as shoping,travel and such more
  • No expiry date of Reward Points earned on the card transferred as Amazon Pay balance.

For More Details:

Click Here

Flipkart Axis Bank Credit Card

4.5/5

Rewards Rate

  • Welcome Bonus:
  • Rs. 500 worth Flipkart vouchers on your first transaction with your Flipkart Axis Bank credit card.
  • 50% instant discount up to Rs.100 on 1st Swiggy order. Use code “AXISFKNEW”.

 

Joining Fee
Rs. 500

Annual Fee
Rs. 500

Best Suited For
Shopping

Recommended Credit           Good to Excellent (750–850)

  • 5% cashback on Flipkart
  • 4% cash back on preferred partners including Swiggy, Uber, PVR ,Clear Trip and Tata play
  • 1.5% cashback on all other Categories
  • 4 complimentary airport lounge access within India.
  • 1% fuel surcharge is waived at all petrol pumps across in India
  • valid for purchases  between worth Rs. 400 and Rs. 4,000 .maximum benifit upto of Rs. 400

FOR MORE DETAILS

Click Here

HDFC Bank MoneyBack Plus Credit Card

4.4/5

Rewards Rate

Welcome Bonus

  • 500 Cash Points

Joining Fee
Rs. 500

Annual Fee
Rs. 500

Best Suited For
Shopping

Recommended Credit           Good to Excellent (750–850)

  • 10X CashPoints on Prefered Merchant such as  Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
  • 5X CashPoints on EMI spends at merchant locations
  • 2 CashPoints per ₹150 spent on other transaction. except  Excluding fuel, wallets loads/prepaid card loads & voucher purchases 
  • Get ₹500 gift voucher on spends on ₹50,000 
  • Upto 20% discount on partner restaurants via Swiggy Dineout
  • 1% Fuel Surcharge waiver on fuel transactions
  •   500 Cash Points as a welcome benifit
  • Swiggy Dineout offers up to 20% off all restaurant bill payments.
     
    For More Detalis:
  • CLICK HERE

Myntra Kotak Credit Card

4.8/5

Rewards Rate

Welcome Bonus:

  •  Myntra Voucher worth Rs.500 on activation of the card
  • Complete 1 transaction worth Rs. 500 or more within 30 day

Joining Fee
Rs. 500

Annual Fee
Rs. 500

Best Suited For
Shopping

Recommended Credit           Good to Excellent (750–850)

  •  Myntra Voucher worth Rs.500 on activation of the card
  • Complete 1 transaction worth Rs. 500 or more within 30 day
  • The instant discount on Myntra’s app and/or website is limited to Rs. 750 per purchase.
  • Cashback on selected partners is limited to Rs. 1000 per billing cycle and will be credited back to the card statement.
  • Get 7.5% discount on Myntra.
  • Get 5% discount on preferred merchants such as Swiggy ,Myntra, PVR, Urbn Company and Clear Trip
  • Earn unlimited 1.25% cashback on spends across all other online and offline merchants
  • The 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.3,000

FORE MORE DETALIS:
CLICK HERE

Cashback SBI Credit Card

4.5/5

Rewards Rate

Welcome Bonus:

N/A

Joining Fee
Rs. 999

Annual Fee
Rs. 999

Best Suited For
Shopping

Recommended Credit           Good to Excellent (750–850)

  • 5% Cashback on online spends 
  • 1% Cashback on offline spends 
  • 1% Fuel Surcharge Waiver
  • Get maximum surcharge waiver of Rs. 100 per statement cycle

For More Details: 

Click Here

Best Credit Cards For Travel

American Express Platinum Travel Credit Card

Rewards Rate

Welcome Bonus: 

Welcome Gift of 10,000 Rewards points

Joining Fee
Rs. 3,500

Renewal Fee
Rs. 5,000

Best Suited For
Travel

Recommended Credit           Good to Excellent (750–850)

  • Enjoy 8 complimentary trips to airport lounges across India every year (limited to two complimentary visits per quarter).
  • Welcome Gift of 10,000 Membership Rewards points
  • Spend Rs. 4 Lacs in a Cardmembership year and get a Rs. 7,500 Flipkart voucher or Travel perks.
  • Get a Taj Experiences Gift Card worth Rs. 10,000 

For More Details:

CLICK HERE

Club Vistara IDFC First Credit Card

4.5/5

Rewards Rate

Welcome Bonus:

Get 1 Premium Economy Ticket Voucher For air Vistara

Joining Fee
Rs. 4,999

Renewal Fee
Rs. 4,999

Best Suited For
Travel

Recommended Credit           Good to Excellent (750–850)

  • Complimentary 3-month Prime membership   to EazyDiner
  • Get Complimentary 3-month Prime subscription to BQ
  • Get Club Vistara Silver Membership 
  • Get 6 CV Points on Spends up to Rs 1 lakh and 4 CV Points on Spends above Rs1 lakh
  • Every spent on fuel, insurance, utilities, rent, and wallet loads earns 1 CV point.
  • Get up to 5 complimentary Premium Economy Ticket Vouchers when reached on target milestone
  • CFAR Trip Cancellation Insurance provides up to Rs. 10,000 in coverage for flights and hotel bookings

For More Detalis:

CLICK HERE

IRCTC SBI Card Premier Credit Card

4.6/5

Rewards Rate

Welcome Bonus:

Get 1500 Reward Points on first payment as a welcome bonus

Joining Fee
Rs. 1,499

Renewal Fee
Rs. 1,499

Best Suited For
Travel

Recommended Credit           Good to Excellent (750–850)

  • Get 1500 Reward Points on first payment as a welcome bonus
  • Earn 3 Reward Points per 125 spent on Dining
  • Earn 1 Reward Point per 125 spent on other non-fuel retail purchases 
  • 1% fuel surcharge across all petrol pumps in India
  • Earn upto 5,000 Reward Points on annual travel spends  Rs. 1,00,000
  • Get Exclusive Insurance Benifits

For More Detalis:

CLICK HERE

IDFC FIRST Classic Credit Card

5/5

Rewards Rate

Welcome Bonus:

  • Get voucher of worth Rs 500 on spending Rs 5000 or more within 30 days
  • 5% cashback (up to Rs 1000) on the transaction

Joining Fee
Nil

Renewal Fee
Nil

Best Suited For
Travel

Recommended Credit           Good to Excellent (750–850)

  • Get 25% discount on movie tickets up to Rs 100 on Paytm mobile app ( only one time in month)
  • 10X Reward Points on  spends above Rs 20,000 per month
  • 3x Reward Points on every  spend on offline purchases.
  • 6x Reward Points on every  spend on online purchases.
  • 4 complimentary Railway lounge access every quarter.
  • Get Personal Accident Cover of Rs 2,00,000
  •  Get  Lost Card Liability Cover of Rs 25,000

For More detalis:

CLICK HERE

 

Best Credit Cards For Movies and Dining

PVR Kotak Platinum Credit Card

5/5

Rewards Rate

Welcome Bonus:

  • Get 2 free PVR movie tickets every month on spending Rs 10,000

Joining Fee
Nil

Renewal Fee
Rs 999

Best Suited For
Movies

Recommended Credit           Good to Excellent (750–850)

  • Get 2 free PVR movie tickets every month on spending Rs 10,000
  • Get 15% Discount  on Food and Beverages at PVR
  • Get 5% OFF on Movie tickets at PVR Box Office
  • Zero Joining Fee for the first year.

For More Details :

CLICK HERE

Swiggy HDFC Bank Credit Card

Joining Fee
Rs 500

Renewal Fee
Rs 500

Best Suited For
Dining

Recommended Credit           Good to Excellent (750–850)

5/5

Rewards Rate

Welcome Bonus:

  • Get Swiggy one Membership for 3 months on card activation
  • Get Swiggy one Membership for 3 months on card activation.
  • 10% Cashback on Swiggy application
  • 5% Cashback on online spends
  • 1% Cashback on other categories

For More Detalis:

CLICK HERE

Kotak Feast Gold Credit Card

5/5

Rewards Rate

Welcome Bonus:

N/A

Joining Fee
Nil

Renewal Fee
Rs 499

Best Suited For
Dining

Recommended Credit           Good to Excellent (750–850)

  • Get 10 Dining   points on every Rs. 100 spent on dining and movies

For More Detalis :

Click Here

Best Credit Cards For Fuel

BPCL SBI Credit Card

5/5

Rewards Rate

Welcome Bonus:

  • Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee

Joining Fee
Rs 499

Renewal Fee
Rs 499

Best Suited For
Fuel

Recommended Credit           Good to Excellent (750–850)

  • Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee
  • 5X Reward Points on every Rs 100 spent at Groceries, Departmental Stores, Movies & Dining
  • Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases.
  • 13X Reward Points on  Fuel surcharge waiver on every transaction of upto Rs. 4,000,  at any BPCL petrol pump across the country.
  • Maximum surcharge waiver of Rs. 100 in a billing cycle

For More Detalis:

CLICK HERE

How to Choose Best Credit card

Choosing the right credit card is an important financial decision, and it’s essential to consider your individual needs and spending habits. Here are some steps that will help you make an informed choice:

  • Interest Rates: Compare the annual percentage rate (APR) on different cards. If you plan to carry a balance from month to month, a lower interest rate is crucial. However, the interest rate may be less important if you intend to pay your balance in full every month.
  • Fees: Look at the card’s annual fee, late payment, and other charges. Try to find a card with low or no annual fees unless the rewards and benefits outweigh the costs.
  • Rewards and Perks: Consider what rewards or benefits you’d like. Some cards offer cash back, while others provide travel rewards, points, or miles. Choose one that aligns with your spending habits and interests.
  • Introductory Offers: Many cards offer an introductory 0% APR on purchases or balance transfers for a specified period. If you’re planning to make a big purchase or transfer a balance, this can save you money.
  • Credit Limit: The credit limit on your card should be sufficient for your needs but not so high that it tempts you to overspend.
  • Security Features: Ensure the card has strong security measures, like fraud protection and the ability to freeze the card if it’s lost or stolen. Accepted Everywhere: Check if the card is widely accepted, both in your local area and internationally, if you plan to travel.
  • Customer Service: Research the credit card company’s reputation for customer service. Good customer support can be valuable in case you encounter issues.
  • Reviews and Recommendations: Read reviews and ask for recommendations from friends and family who have the card you’re considering.
  • Fine Print: Always read the terms and conditions carefully, especially regarding balance transfer fees, foreign transaction fees, and any restrictions on rewards.

Remember that credit cards can be a useful financial tool when used responsibly, but they can also lead to debt if mismanaged. Always pay your bills on time, and aim to pay the full balance each month to avoid

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