Best Credit Card In India With Less Charges and More Benefits

Credit Cards are pretty common nowadays and why shouldn’t it as it has everything we look for when shopping or out for eating or traveling. Credit Cards gives you the freedom to shop for as much amount to your credit limit. And later return the amount back to the bank in coming months (depending on the type and amount of payment you have made).

 

So if you are one of them looking for a credit card? Then you have come to the right place. Credit cards are great to have as they allow you to spend without actually spending your actual money available in the bank. Currently, there are a numerous number of credit cards available in the market which can be confusing at times as each card offers their own benefits in various sections.

So we thought to make it a bit easy for you. So to ease your choice, we have brought you the best of the bests making it easy for you to decide which card has the best offers for you. In our round-up of best credit cards, we have compared each and every card available in India and came up with the top 15 credit cards in India for 2018. So, if you want to grab the best offers while you spend money, keep reading the article to choose the best one for you.

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Top 15 Best Credit Cards in India for 2018

Now as you are clear with the eligibility criteria, let us now move on to the list fo best Credit Cards to avail maximum benefits and other useful features.

S. No.Credit CardBest ForAnnual Fees (INR)Apply
1.SC Manhattan PlatinumShopping999
2.SBI Simply ClickOnline Shopping
3.ICICI Instant PlatinumBeginners
4.SBI IRCTCTravel
5.CitiBank CashbackCashback
6.HDFC MoneyBack PlatinumCashback
7.Citibank Indian OilFuel
8.Citi Primier MilesTravel
9.Amex Platinum TravelTravel
10.HDFC Diners PremiumPremium
11.Citibank PrestigePremium
12.RBL Titanium DelightCashback
13.Amex GoldCashback1,000
14.HDFC RegaliaBusiness1,000
15.SBI EliteBusiness4,999

Let us begin..

1. Standard Chartered Manhattan Platinum Credit Card

All of us buy groceries and we need it every month. Wouldn’t it be wonderful if yiu get cash back everytime you buy groceries? Well, Standard Chartered Manhattan Credit Card offers you 5% cashback along with every purchase of groceries or online purchase you make.

It also provides you with redeemable reward points which amount to around 1% cashback of the total spending done on the card. Although the card comes with an annual fee of Rs 999, in most cases it is waived of which brings Standard Chartered Manhattan Credit Card under the category of the best credit card in India with no annual fees.

Anyone and everyone who can provide them with a payslip of their salary can apply for the card which gets approved easily.

Benefits of Standard Chartered Manhattan Platinum Credit Card:

Special Offers on Standard Chartered Manhattan Platinum Credit Card:

Annual Fees on Standard Chartered Manhattan Platinum Credit Card:

 

2. SBI Simply Click Credit Card

Go ahead and apply for SBI SimplyClick Credit Card if you love online shopping. This credit card is a bliss for people who are addicted to online shopping. Using SBI SimplyClick Credit Card provides you with a benefit of 500 points from Amazon on getting the card.

Transaction on Amazon, Cleartrip, Foodpanda, BookMyShow, FabFurnish, OLA, Lenskart, Zoomcar with your SBI SimplyClick Credit Card will provide you with 10x credit points and any other online shopping site will provide 5x points.

You will also enjoy a 2.5% waiver on fuel surcharges and if you spend up to Rs.100000 per year, you will also get 200 points on your Cleartrip account which you can spend on your travel-related awesome plans. This is why it is also considered to be one of the best credit cards in India for online shopping.

Benefits of SBI Simply Click Credit Card:

Special Offers on SBI Simply Click Credit Card:

Annual Fees on SBI Simply Click Credit Card:

 

3. ICICI Instant Platinum Credit Card

Without any loans against your name or without having used any credit card earlier, you will not have any kind of credit score against your name. Your CIBIL score will be derogatory, but you don’t need to worry.

With ICICI Instant Platinum Card you don’t need any of that, all you need it a fixed deposit with the bank and you will be eligible for applying for a card. It has no annual fee and is the best card to have, in case you are a housewife or a student or the owner of a small business.

It provides various waivers on fuel surcharges and a 15% savings on 800 restaurants across India. It also provides Rs.100 off on movie tickets twice every month. You can also collect and redeem reward points on the amount spent via the card.

Benefits of ICICI Instant Platinum Credit Card:

Special Offers on ICICI Instant Platinum Credit Card:

Annual Fees on Standard Chartered Manhattan Platinum Credit Card:

 

4. SBI IRCTC Credit Card

 

Benefits of SBI IRCTC Credit Card:

Special Offers on SBI IRCTC Credit Card:

Annual Fees on SBI IRCTC Credit Card:

 

5. Citi Bank Cashback Credit Card

What makes Citi Bank Cashback Credit Card one of the best credit cards in India? The fact that it allows you many offers when you book movie tickets and also pay your bills via online methods. It also provides users with 5% savings on a monthly basis.

It also offers 5% cashback on payment of telephone and utility bills via the card. You will also get benefits from booking movie tickets. Other transactions provide a facility of 0.5%. But the only problem with Citi Bank Cashback Credit Card is that you need a CIBIL score for the application and the application process is very complex if you are doing it online.

If you already own a credit card, this card will definitely provide you with multiple benefits.

Benefits of Citi Bank Cashback Credit Card:

Special Offers on Citi Bank Cashback Credit Card:

Annual Fees on Citi Bank Cashback Credit Card:

 

6. American Express Gold Credit Card

Yet another card which is amongst the best credit cards in India for online shopping. American Express Gold Card is not exactly a credit card but is a charge card which provides users with 1 reward point for spending Rs.50 on online shopping.

American Express Gold Card also provides you with various offers when you use it in various restaurants all over India. It is also beneficial for people who will renew it for a second year as American Express Gold Card gives them 5000 reward points as a gift on renewal.

They also offer 18-carats and 24-carat gold collection to redeem from in case you want to redeem your reward points earned on various transactions. You will also get 1000 reward points for using the card 4 times every month and spending more than Rs.1000.

Benefits of American Express Gold Credit Card:

Special Offers on American Express Gold Credit Card:

Annual Fees on American Express Gold Credit Card:

 

7. Citibank Premier Miles Credit Card

Do you have frequent travel needs? Looking for a credit card which will provide you benefits every time you arrange your travel plans using the card? Try out Citibank Premiermiles Card and I can assure you that you will not regret the choice.

Citibank Premiermiles Card proves to be the best credit card in India for people who need to spend Rs. 200000 – Rs. 300000 on traveling every year. It will provide you with extra miles on every ticket you book with it. The only drawback is that you need to have a great credit score in order to apply for the Citibank Premiermiles Card.

On joining the Citibank Premiermiles Card you will be rewarded with 10000 miles which you can redeem on hundreds of airlines. You will also be permitted to redeem these miles up to 3 hours before your flight.

Benefits of Citibank Premier Miles Credit Card:

Special Offers on Citibank Premier Miles Credit Card:

Annual Fees on Citibank Premier Miles Credit Card:

 

8. American Express Platinum Travel Credit Card

If you are a salaried person whose job requires frequent traveling, then try out American Express Platinum Travel Credit Card. This proves to be one of the best credit cards in India for 2016 for salaried person.

American Express Platinum Travel Credit Card comes with special benefits from Taj Group. You will get vouchers worth over Rs. 10000 on each of Taj and IndiGo if you make a frequent transaction with your American Express Platinum Travel Credit Card. A frequent traveler with IndiGo are the ones who will benefit the most as they allow maximum redemption from reward points.

The credit limit of your American Express Platinum Travel Credit Card is dependent on your spending habits which are tracked via the card.

Benefits of American Express Platinum Travel Credit Card:

Special Offers on American Express Platinum Travel Credit Card:

Annual Fees on American Express Platinum Travel Credit Card:

 

9. HDFC Regalia Credit Card

HDFC Regalia Credit Card is probably one of the best cards that HDFC has to offer to its customers as it offers reward points on the smallest of transactions. HDFC Regalia Credit Card offers rewards even on recharging your mobile phone through it.

But HDFC Regalia Credit Card is only offered to customers who have a high value and good relation with the bank. It also offers cardholders with a special membership for Taj Epicure Plus Card and it also offers HDFC Regalia Credit Cardholders with Priority Pass Membership.

If you are transacting via this card you will earn reward points on all your transactions which you can redeem at the rate of Rs. 0.75 for every single point. Although HDFC Regalia Credit Card has a very strict approval process, you can also benefit from the lower version of it if you have an annual salary of Rs.10 lakh or more.

Benefits of HDFC Regalia Credit Card:

Special Offers on HDFC Regalia Credit Card:

Annual Fees on HDFC Regalia Credit Card:

 

10. SBI Elite Credit Card

When you are looking for great benefits from a credit card which are offered by a government-owned card, nothing can go wrong with SBI Signature Credit Card (Elite). With over Rs. 30000 as benefits from receiving the card, you will have innumerable benefits to choose from when you perform a transaction with the card.

A welcome gift of Rs. 5000 and an annual benefit of Rs. 30000 you will definitely be in profits. You also get additional profits or reward points on crossing a spending of 2 lakh and 5 lakh respectively. You will also get free movie tickets every month and SBI Signature Credit Card (Elite) offers dining benefits along with various shopping benefits in departmental stores.

You will also have Signature Contactless Advantage with SBI Signature Credit Card (Elite).

Benefits of SBI Elite Credit Card:

Special Offers on SBI Elite Credit Card:

Annual Fees on SBI Elite Credit Card:

 

11. Citibank Indian Oil Credit Card

 

Benefits of Citibank Indian Oil Credit Card:

Special Offers on Citibank Indian Oil Credit Card:

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12. HDFC MoneyBack Platinum Credit Card

 

Benefits of HDFC MoneyBack Platinum Credit Card:

Special Offers on HDFC MoneyBack Platinum Credit Card:

Annual Fees on HDFC MoneyBack Platinum Credit Card:

 

13. RBL Titanium Delight Credit Card

 

Benefits of RBL Titanium Delight Credit Card:

Special Offers on RBL Titanium Delight Credit Card:

Annual Fees on RBL Titanium Delight Credit Card:

 

14. Citibank Prestige Credit Card

 

Benefits of Citibank Prestige Credit Card:

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Annual Fees on Citibank Prestige Credit Card:

 

15. HDFC Diners Premium Credit Card

 

Benefits of HDFC Diners Premium Credit Card:

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Which is the Best Credit Card in India and Why?

These are the best credit cards that you can apply for when you come from India. These cards will provide you with some of the best benefits that you can expect from any credit card companies. With these 15 credit cards, you just can’t go wrong. But make sure that you choose the cards carefully as each card gives favorable benefits depending upon the kind of transactions you make.

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