Having the right credit card as per your requirement can make a lot of difference in managing your finances. They not only increase your purchasing capacity but also provide you with exciting discounts and reward points. In India, there are a plethora of credit cards available. All of them claim to be the best and offer unique features and benefits.
Due to the large number of available options, it can be overwhelming to find the perfect credit card that matches all of your needs. To help you out, we are providing this guide to the Top 10 Credit Cards in India in 2024. Go through our carefully created list to select the card that is ideal for you.
10 Best Credit Cards in India in 2024
| S. No. | Name of the Credit Card | Our Review |
| 1 | Indus Easy Credit Card (Legend) | Best for converting points into cash |
| 2 | ICICI MakeMyTrip Signature Credit Card | Best for Frequent Travellers |
| 3 | First Citizen Citi Credit Card | Great Choice for Frequent Shoppers |
| 4 | IDFC First Bank – First Millennia Credit Card | Reward points that never expire |
| 5 | Flipkart Axis Bank Credit Card | Best for Shopping on Flipkart and Myntra |
| 6 | HDFC Bank Diners Club Privilege Credit Card | Best for Diners and Frequent users of Swiggy and Zomato |
| 7 | HSBC Bank Smart Value Credit Card | Amazing All-Round Choice |
| 8 | CashBack SBI Card | Best SBI Card for Cashback |
| 9 | Kotak Mahindra Essentia Platinum Card | Best Credit Card for Grocery Shopping |
| 10 | AU Small Finance Bank Altura Credit Card | Great Introductory Offers |
Details of Top 10 Best Credit Cards in India
Indus Easy Credit Card (Legend)
| Name of the card | Indus Easy Credit Card |
| Join Fees | Nil |
| Annual Renewal Fees | Nil |
| Benefits | 1% Fuel Surcharge Waiver, Buy 1 Get 1 Free Movie Ticket On BookMyShow, 2x Reward Points on weekends Spends |
| Apply for the Credit Card | induseasycredit.indusind.com/customer/credit-card/ |
Indus Easy Credit Card (Legend) is a great choice for those who want to earn exciting prizes for the money they spend. This card offers amazing benefits like the flexibility to choose from multiple reward plans. Plus, it is a lifetime free card with no joining fee. So, you won’t have to spend anything to get this card.
Check: Top Ten Banks of India
ICICI MakeMyTrip Signature Credit Card
| Name of the card | ICICI MakeMyTrip Signature Credit Card |
| Join Fees | Rs. 2500+GST |
| Annual Renewal Fees | Nil |
| Benefits | MMT Holiday Voucher Worth Rs. 2500/-, MMTBLACK Loyalty Program, Earn as much as 40,000 reward points (My Cash) using the card for travel needs. |
| Apply for the Credit Card | induseasycredit.indusind.com/customer/credit-card/ |
If you are a frequent traveller then ICICI MakeMyTrip Signature Credit Card can give you benefits worth more than Rs. 40000/-. It is offered in partnership with Make My Trip, one of India’s most reputed online travel booking sites. So, you can expect some great benefits. However, you will have to pay Joining fees of Rs. 2500/- + GST.
First Citizen Citi Credit Card
| Name of the card | First Citizen Citi Credit Card |
| Join Fees | Nil |
| Annual Renewal Fees | Zero on annual spend of Rs. 30,000 |
| Benefits | First Citizen Points worth Rs. 300/- on your first spend, 1% fuel surcharge waiver, Instant reward points on various brands |
| Apply for the Credit Card | online.citibank.co.in/credit-card/rewards/citi-shoppers-stop-first-citizen-credit-card |
This credit card is specifically for those who like to spend a lot on shopping. It provides great cashback on shopping from brands like Shoppers Stop, Homestop, Arcelia, M.A.C, Clinique, Bobbi Brown, Estee Lauder, Jo Malone & Smashbox, etc.
IDFC First Bank – First Millennia Credit Card
| Name of the card | IDFC First Bank – First Millennia Credit Card |
| Join Fees | Nil |
| Annual Renewal Fees | Lifetime Free |
| Benefits | Interest-free cash withdrawals |
| Apply for the Credit Card | www.idfcfirstbank.com/credit-card/ntb-diy/apply |
All of us hate when our reward points expire. This lifetime free credit card from IDFC First Bank offers unlimited reward points that remain valid for a lifetime. In addition to this, you will get a welcome voucher worth Rs. 500/- if you spend Rs. 15000/- or more within 90 days of getting your card. Additional benefits include 25% discount on movie tickets up to Rs.100/- on the Paytm mobile app, Complimentary Roadside Assistance worth Rs. 1,399/-, 300+ Merchant offers, Lost Card Liability Cover of Rs. 25,000/-
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Flipkart Axis Bank Credit Card
| Name of the card | Flipkart Axis Bank Credit Card |
| Join Fees | Rs. 500/- |
| Annual Renewal Fees | Rs. 500/- |
| Benefits | 5% cashback on Flipkart & Myntra, 4 complimentary lounge visits to select airport lounges within India in a year |
| Apply for the Credit Card | axisbank.com/retail/cards/credit-card/flipkart-axisbank-credit-card/features-benefits |
Say Goodbye to waiting for Flipkart and Myntra Sales. With this special credit card, you can get a 5% discount in the form of cashback on all purchases on Flipkart. As a welcome benefit, you will get a Flipkart Voucher of Rs. 500/- on your first transaction with this card.
HDFC Bank Diners Club Privilege Credit Card
| Name of the card | HDFC Bank Diners Club Privilege Credit Card |
| Join Fees | Rs. 2500/- + Applicable Taxes |
| Annual Renewal Fees | Rs. 2500/- + Applicable Taxes |
| Benefits | 5X Reward Points on Swiggy and Zomato, “Buy 1 Get 1 Free” on movie/non-movie weekend tickets via BookMyShow, Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit |
| Apply for the Credit Card | hdfcbank.com/personal/pay/cards/credit-cards/diners-privilege |
This card is designed for those who spend a large amount on dining and food delivery apps like Swiggy and Zomato. You will earn 20 reward points for every Rs. 150 spent on Swiggy and Zomato. Here, 1 reward point is equal to 50 paise.
HSBC Bank Smart Value Credit Card
| Name of the card | HSBC Bank Smart Value Credit Card |
| Join Fees | Nil |
| Annual Renewal Fees | Nil |
| Benefits | 10% cashback (up to INR1,000) after making at least 5 purchases, Up to Rs. 3000/- annual savings on fuel surcharge, Earn 1 reward point for every INR100 you spend, Earn 3X rewards on dining, telecom, and online purchases |
| Apply for the Credit Card | accountopening.hsbc.co.in/credit-cards/#!/app/journey/contact-details-SVC |
From Amazing reward points to discounts on fuel surcharges, HSBC Bank Smart Value Credit Card has everything that we expect from an all-rounder credit card. It offers 3 times rewards on dining & online purchases with zero joining and annual fees.
CashBack SBI Card
| Name of the card | Cashback SBI Card |
| Join Fees | Rs. 999/- |
| Annual Renewal Fees | Rs. 999/- (Will be reversed on an annual spend of Rs. 200000/- |
| Benefits | 5% cashback on online spending without any merchant restriction, 1% cash back on offline spends |
| Apply for the Credit Card | sbicard.com/en/personal/credit-cards/rewards/cashback-sbi-card.page |
If you want an SBI card and looking for the best cashback offers then you may go for the Cashback SBI Card. This card can give you a flat 5% cashback on all your online spending. Plus, there is no merchant restriction regarding the same. So, you can use this card on any online platform.
Kotak Mahindra Essentia Platinum Card
| Name of the card | Kotak Mahindra Essentia Platinum Card |
| Join Fees | Rs. 1499/- + GST |
| Annual Renewal Fees | Rs. 749/- + GST |
| Benefits | 10% Savings on Departmental & Grocery Store spends, Priority Attend |
| Apply for the Credit Card | kotak.com/en/personal-banking/cards/credit-cards/essentia-platinum-credit-card.html |
If you spend Rs. 1500/- or more every month on your grocery shopping then this card is the best choice for you. It is so because it offers flat 10% savings on all departmental & grocery store spending. In case you spend Rs. 1,25,000/- in 6 months then you will get 12 free PVR tickets.
AU Small Finance Bank Altura Credit Card
| Name of the card | AU Small Finance Bank Altura Credit Card |
| Join Fees | Rs. 199/- + Taxes |
| Annual Renewal Fees | Rs. 199/- + Taxes |
| Benefits | Up to 7% cashback as an introductory offer, lost card liability cover, free insurance, and extended warranty on mobile and electronic purchases |
| Apply for the Credit Card | aubank.in/personal-banking/credit-cards/altura-credit-card |
AU Small Finance Bank is a new bank offering some exciting introductory discounts and products. One such product is Altura Credit Card. With this card, you get benefits like complimentary Railway Lounge Access, Lost Card Liability Cover, Free insurance on mobile purchases, etc.
Frequently Asked Questions
You can apply for a credit card in India either through the bank’s official website or by visiting a branch in person.
You should consider the following factors while choosing a credit card in India – annual fee, interest rates, rewards program, cashback offers, welcome bonuses, customer service, acceptance at various merchants, etc.
Yes, they are generally safe to use for online transactions.
You can do that by paying your monthly bills on time, keeping your credit utilization ratio low, avoiding maxing out your credit limit, etc.
Yes, some cards do have annual fees associated with them. You should read the terms and conditions carefully before selecting a card.
We have created this list of the top 10 credit cards in India carefully by going through the offers of 100s of credit cards. Still, we request you conduct research at your end and read the terms and conditions carefully before choosing any credit card.
