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Best Credit Cards to Keep in India for 2024

Updated on July 14, 2024 , 74189 views

Which are the best credit cards to keep in India? Many people, especially the salaried ones ask this question.

Best Credit Card

The truth is, there really is no single credit card that is best suited to everybody. Every credit card is different and offers different kinds of benefits and one must choose the best according to their needs & usage.

Fee Structures

1. Free for Life

These types of cards are generally free for life and doesn't attract any fees or minimum monthly amount.

2. Minimum Usage

These types of cars have certain minimum usage. which is required per year or else a fee will be charged it usage is below certain limits. Credit Cards like CITI Rewards have this applicable.

3. Monthly Fee

These types of cards are having monthly fees and they do have offers and benefits packed like airport lounge benefits across the globe, restaurant discounts, air deals and much more, which if used are worth the fees.

Best Credit Cards in India 2024

1. Best SBI Credit Card

  • SBI Card ELITE
  • Doctor's SBI Card (in association with IMA)
  • SBI Card PRIME
  • OLA Money SBI Card
  • Apollo SBI Card
  • SBI Card PRIME Advantage
  • Tata Platinum Card
  • Lifestyle Home Centre SBI Card PRIME
  • Max SBI Card SELECT
  • Spar SBI Card SELECT
  • fbb SBI STYLEUP Card
  • Club Vistara SBI Card PRIME
  • Etihad Guest SBI Premier Card
  • Central Bank of India SBI Elite Card
  • City Union Bank SBI Card PRIME
  • SBI Card ELITE Business

Features and Benefits

  • You can transfer the outstanding balances of your other credit cards to SBI Card at lower interest rates. You can also convert your transactions into EMIs
  • The bank offers you instant cash with the SBI Card’s Easy Money and ATM Cash services.
  • You can pay your utility bills with easy features such as Auto Pay, Register & Pay and Fast Pay
  • With your SBI Card, you can choose from three different types of insurance cover, such as - accidents, health, card loss, card theft and more

2. Best HDFC Credit Card

  • IndiGo HDFC Bank Credit Card
  • JetPrivilege HDFC Bank Diners Club
  • Millennia Credit Card
  • EasyEMI Card
  • Doctors Superia Credit Card
  • Teachers Platinum Credit Card
  • Freedom Credit Card
  • Solitaire Credit Card
  • Corporate premium Credit Card

Features and Benefits

  • HDFC offers you a credit card for your every need. Right from everyday expenses to luxury spends, daily commute to holidays, from store-hopping to online shopping, the bank will enhance your every experience
  • You can get attractive reward points on leading brands
  • One of the key benefits is the lounge access at the domestic and international airports

3. Best Axis Credit Card

  • Axis Bank FreeCharge Plus Credit Card
  • Axis Bank Magnus Credit Card
  • Flipkart Axis Bank Credit Card
  • Axis Bank MY Zone Credit Card
  • Axis Bank Neo Credit Card
  • Axis Bank Vistara Credit Card
  • Miles and More Axis Bank Credit Card
  • Axis Bank Insta Easy Credit Card
  • Titanium Smart Traveler Credit Card
  • Axis Bank My Wings Credit Card

Features and Benefits

  • You get exclusive benefits on transaction for travel, food, e-commerce and or a combination of these
  • Axis credit cards give you complementary flight tickets and also access to airport lounges
  • You can also enjoy discounts on movie tickets
  • Waiver of fuel surcharges
  • Additionally, you can avail discounted deals on hotel bookings and restaurant orders

4. Best ICICI Credit Card

  • Carbon Credit Card
  • Rubyx Credit Card
  • Emeralde Credit Card
  • Coral Contactless Credit Card
  • Platinum Chip Credit Card
  • InterMiles ICICI Bank Coral Credit Card
  • HPCL Credit Card

Features and Benefits

  • You can avail discounts on shopping, dining, movies, etc
  • Under travel benefits, you can get complimentary airport lounge access, fuel surcharge waiver, fuel discounts
  • ICICI credit cards give you cash rewards, PAYBACK offers, 24x7 concierge service and much more
  • The credit card have the security of a chip card to protect against fraud

5. Best Yes Bank Credit Card

  • Yes Prosperity Edge
  • YES Prosperity Business
  • YES Prosperity Rewards Plus
  • YES Prosperity cashback Plus

Features and Benefits

  • As a welcome cashback, you are eligible for a cashback of Rs. 250 to Rs. 1,250 for spends in your first month
  • You can gather reward points on spends and redeem these for exciting products and services from the rewards catalogue
  • Convert a spend into an EMI instantly. This will give you the flexibility to make those larger purchases
  • You can also enjoy waivers on fuel surcharges for the transaction between Rs. 400 and Rs. 5,000
  • Yes credit card gives access to comfortable airport lounges

Best Lifetime Free Credit Card in India for 2024

Standard Chartered Platinum Rewards Card

Note: Application link may say joining fees of Rs. 250, but that will be waived off when you use your credit card within the first 90 days.

Standard Chartered Platinum Rewards Card

Actually, it’s ZERO Annual fees, but they charge so that you use the card after approval. This credit card is best for salaried people who want to own all-rounder credit card.


  • Easy approval for salaried people
  • Get an additional 1000 rewards points if you transact within 60 days
  • Bonus 500 points for registering for online banking
  • 20% cashback on Uber rides
  • 5 points on spending 150 rupees on dining
  • 5 points on spending 150 on fuel
  • 1 reward points on spending 150 on any other category
  • Additional discounts & offers from Ola, Uber, Grofers, Yatra, etc., that keep on changing with time

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Best Credit Card For Salaried Person in 2024

Standard Chartered Manhattan Credit Card

Don’t worry about the annual fees, you can get that waived off every year.

Standard Chartered Manhattan Credit Card

It’s the Best credit card for Salaried people if you can spend more than Rs. 1.2 Lakh per year.


  • 5% Cash Back on credit card expenditure at supermarkets & department stores
  • 3x rewards when you use your credit card anywhere
  • You can earn up to Rs. 500 as cashback every month and Rs. 150 per transaction

Best Credit Card for Fuel and Utility Bills 2024

You can get fuel benefits on following credit cards like-

  • Citi IOC Credit Card
  • SC Titanium Card
  • ICICI HPCL Coral Card
  • HDFC Bharat CashBack
  • RBL Platinum Maxima

We have listed best ones out of them below.

Standard Chartered Super Value Titanium

SC Titanium because you would get 5% cashback on fuel and utility payments.

Standard Chartered Super Value Titanium

This card is suitable if you are first-time credit card applicant and your most of monthly expenses happen on fuel, phone and utility bills. The annual Fees is Rs. 750 (Waived off if you spend 60,000 in the first year).

First-year fees can also be waived off when you use the card within 90 days of approval. Clearly, you should apply for this credit card if your monthly expense is at least 5,000 rupees (12*5K = 60K per year).


  • 5% cashback on fuels
  • 5% cashback on phone bills
  • 5% cashback on utility bills

Here is a quick link to apply-

Apply Now

b. Citibank IOC Fuel Credit Card

Citibank has collaboration with Indian Oil Petrol pumps. You can earn Turbo points when you pay using IOC credit card on Indian Oil outlets.

Not at all useful if you refill the fuel tank from HP or Bharat petrol pumps.

Citibank IOC Fuel Credit Card

The annual fees is Rs. 1000 (Waived off when you spend 30,000 per year)


  • 4 Turbo Points on spending Rs. 150 on Indian Oil Pumps
  • 2 Turbo points on spending in Supermarkets
  • 1 Turbo points on spending 150 elsewhere
  • 1% fuel surcharge waiver
  • 1 Turbo Point = 1 Rs. Fuel

You can apply for IOC card using this link -

Apply Now

Best Credit Card For Online Shopping

Almost all credit cards and banks offer some discounts on online shopping. But this is the list of credit cards which are designed to get big offers and online discounts.

  • ICICI Amazon Pay Credit Card
  • SBI SimilyClick Credit Card
  • SBI SimplySave Credit Card
  • Amex Rewards Membership Card
  • Standard Chartered Manhattan
  • Standard Chartered Ultimate
  • HDFC Diner Black
  • HDFC Moneyback

We have shortlisted best ones based on benefits they have to offer for average online buyer.

a. ICICI Amazon Pay Credit Card

ICICI Amazon Pay credit card made the top of the list in our collection of online shopping credit cards. Amazon launched this credit card in 2018 to give extra benefits to Prime customers.

 ICICI Amazon Pay Credit Card

  • Application Process – The problem is that you cannot apply directly for this credit card. You would see an invite in your Amazon Mobile App and receive an email from Amazon.

  • Annual Fees – NIL

Make sure you add your existing ICICI credit card into Amazon account to get the invite. If you don’t have ICICI credit card then apply for lifetime free Platinum Credit Card.


  • 5% cash back on for Amazon Prime customers
  • 3% cash back on for non-prime customers
  • 2% cash back when paying to merchants using this card on Amazon Pay as a payment method
  • 1% cash back on all other payments
  • 1% fuel surcharge waiver

Apply Now

b. American Express Membership Rewards® Credit Card

American Express is the only credit card that gives rewards on adding money to wallets like Paytm, Amazon Pay and Freecharge.

American Express Membership Rewards

Amex degraded the benefits of their Gold charge card when they launched Membership Rewards Card in 2018. The annual fees for First Year Rs. 1000 (Second year onwards Rs. 4500)

Note: Annual fees is waived off when you apply using the below link, also earn 2000 bonus points.


  • 2000 referral bonus points when you apply using the above link.
  • 1000 Bonus points for using your Card 4 times every month.
  • Earn 1 MR point on Rs.50 spent on all spends except for spending


No rewards on Fuel, Insurance, Utilities and Cash Transactions.

(Best, if you already have any other cashback credit card. Use it for earning 1000 bonus points worth 400 rupees every month)

c. SBI Simply Click Credit Card

It’s hard to get the approval of SBI Credit cards. But If you get your salary in SBI bank account then approval becomes easy.

SBI Simply Click Credit Card

Simply click card gives you direct 10x rewards when shopping on Amazon, Flipkart, Makemytrip, Cleartrip and many more vendors.

SBI Simply Click Credit Card Details
Annual fee 499 (waived off by spending 100,000 in one year)
Bonus Rs. 500 voucher from Amazon
Not for first-time applicants You should have an excellent credit history for getting the approval of this card



  • 10X rewards on online spends – Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / Zoomcar
  • Earn 5X rewards on all other online shopping
  • A welcome e-gift voucher worth Rs 500 from Amazon
  • 1% fuel surcharge waiver (on 500+ transaction amount)
  • Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs. 1 Lakh (one more 2000 e-voucher on another 1Lakh milestone)

Apply Now

d. Citi Bank Cashback Credit Card

This is one of the best credit cards if you like watching movies and paying your bills online.

Citi Bank Cashback Credit Card

The annual fees for Citi Bank Cashback Credit Card is Rs.500.


  • 5% cash back on movie tickets
  • 5% cash back on telephone bill payments
  • 5% cash back on Utility Bill Payments
  • 0.5% Cash Back on all other spends


  • You must have excellent Credit History before applying.
  • 80% Citibank card applications decline because people do not have a credit history.
  • The online form is complex and lengthy, be patient and fill the information.

e. ICICI Instant Platinum Card

It is not easy to get your first credit card in India. ICICI bank offers you instant credit card against Fixed Deposit if you have a saving account with ICICI bank. You can simply log on to ICICI online banking and apply for the card.

ICICI Instant Platinum Card

If you worry for your CIBIL Score just because you want to apply for a credit card, you must try ICICI Instant Platinum Credit Card.

The annual fee is Rs. 199 (waiver on spending Rs. 2000 within 60 days of approval).

Who Should Apply?

ICICI credit card is a good option for students, housewives and non-salary people if they want to apply for credit card against a Fixed Deposit. Salaried people must apply for Standard Chartered Platinum Rewards Card (Free for Life).


  • 2 payback points for every Rs. 100 spent
  • 1 payback point for every 100 rupees on insurance & utilities
  • Get Rs. 100 off on movie tickets twice a month
  • 1% fuel surcharge waiver can be availed on fuel transaction of maximum Rs. 4,000 at HPCL pumps

ICICI bank will offer you a Credit Limit based on the amount you keep in the fixed deposit. You will earn regular interest on your fixed deposit. The bank just wants to secure itself against the risk of fraud by the first-time credit card user

Apply Now

f. HDFC Moneyback Credit Card

Money back credit card is the basic credit card that you can apply as a first-time applicant.

HDFC Moneyback Credit Card

The only reason for adding this credit card in the best credit list is the approval rate. You can get the card approved against the Fixed deposit or if you have a salary more than Rs. 25,000 per month.


  • 4 reward points per Rs 150 for online shopping
  • 2 reward points per Rs 150 for elsewhere
  • 1% fuel surcharge waived off (above 400 rupees transaction)

g. Axis Buzz Credit card

If you are an existing customer of Axis bank then get this card for online shopping. Low annual fees and great benefits on Flipkart.

Axis Buzz Credit card

The annual fees for Axis Buzz Credit Card is Rs. 750.


  • 10% instant discount on Flipkart from 1 to 5th of every month
  • 5% instant discount on Flipkart from 6 to 31st of every month
  • 2 axis eDGE reward points on every Rs 200 spent
  • 6 axis eDGE reward points on online shopping
  • Make 3 transactions and get Flipkart voucher worth Rs 1000 within the first 45 days of card setup

Apply Now

h. IndusInd Iconia

IndusInd has only one credit card worth keeping. You can check with the bank to reduce the fees based on your relationship.

IndusInd Iconia

The one time fees of Rs. 10,000 (you can negotiate).


  • 2 Reward Points for every Rs. 100 spent on weekends
  • 1.5 reward points for every Rs. 100 spent on weekdays
  • 1% Fuel surcharge waiver
  • 2 complimentary lounge access per quarter
  • 200 off on movie tickets per month on BookMyShow

Apply Now

i. RBL Platinum Maxima Credit Card

RBL bank also offers good discounts on online shopping.

RBL Platinum Maxima Credit Card

The The annual fees is Rs. 2000.


  • 10 Reward Points for every Rs.100 (dining, entertainment, utility bill payments, fuel and international)
  • 2 Reward Points for every Rs.100 spent elsewhere
  • free movie ticket free up to Rs. 200 from BookMyShow
  • 2 complimentary visits every calendar quarter at domestic lounges

Apply Now

Best Credit Card for Travel 2024

HDFC Superia Credit Card

Enjoy premium travel benefits across various airlines. The Credit card offers 1000 reward points as welcome benefits.

Superia Credit Card

Renewal benefit comes with 1000 reward points.


  • Save more while flying domestic with Air India, etc.
  • Redeem points for miles with 20+ international airlines
  • You will receive 3 reward points on every Rs. 150 spent and 50% more on dining spends


On payment of joining fee, the card offers 2,000 activation bonus reward points worth Rs. 500. Reward points will be credited after 20 days of the payment of joining fee.


You can redeem it instantly against fuel purchase at BPCL outlets, BPCL Vouchers or at Shop n Smile rewards catalogue.


  • Win 2,000 reward points worth Rs.500 as a welcome gift
  • Get 4.25% value back and 13X reward points on every Rs.100 you spend for fuel
  • Earn 5X reward points every time you spend Rs.100 on groceries, departmental stores, movies, dining & utility bill

American Express Platinum Travel Credit Card

This credit card offers a welcome gift of 5,000 Milestone Bonus Membership Rewards Points. You can redeem for travel vouchers worth Rs. 3,500

American express paltinum travel credit card

The first year fee is Rs. 3,500 plus applicable Taxes (Second Year onwards: Rs. 5,000 plus applicable taxes).


  • Get free travel vouchers worth Rs.7700 and more if you spend Rs.1.90 lakhs in a year
  • Get 4 complimentary lounge visits every year for domestic airports
  • Earn 1 membership reward point for every Rs.50 spent
  • Get an e-Gift worth Rs.10,000 from Taj Hotels Palaces
  • Free travel vouchers worth Rs.11,800 if you spend Rs.4 lakhs a year

Axis Bank Miles & More World Credit Card

On every spend, you will get a miles without any limit. You can also enable automatic payments with your card and pay utility bills.

Axis Bank Miles & More World Credit Card

With the EMV certified chip in your Miles & More Credit Card, your transaction is safe and secured.


  • Earn unlimited and never expiring miles
  • Two complimentary airport lounges access annually
  • Earn 20 points for every Rs.200 spent
  • Get 5000 points on joining
  • Get multiple reward options from the award miles program

ICICI Platinum Identity Credit Card

You get 24x7 personal concierge service to ensure that you everything is going smooth. The bank will take care of the finer details like travel bookings, restaurant reservations, gift & flower delivery, medical services, emergency auto assistance, etc.

ICICI Platinum Identity Credit Card

The credit card offers complimentary membership and Priority Pass so that you can access to more than 600 exclusive airport lounges across the world. This membership is valid for one year.


  • Earn 2 rewards for every Rs. 200 you spend and 4 reward points for every Rs. 200 you spend internationally
  • Free personal assistance for travel bookings, medical services, and hotel bookings
  • Zero annual fee for the first year
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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