Best Credit Cards In India Are Here To Choose From

credit cards

Shopping becomes easy with a credit card on your hand because it stands by your side when you are short of cash. Credit cards are not only accepted across the online and offline stores but also at the ATMs located on the roadside. With lucrative cashback, reward points and discount offers, credit cards have doubled the joy for shoppers around the country.

Seeing the cashless drive that has gained momentum these days, banks are rolling out several credit cards to woo the shoppers around.

However, not every card dished out will suit your shopping taste, right? That’s why you need to choose the best of the lot. You can thus choose the best credit cards in India from the list shown in the article.


SimplySave SBI Card

A top-selling credit card in the space, the SimplySave Card is an absolute delight for the shoppers around the country. Laced with cashback, discount and other eye-popping offers, the card comes invariably comes first in the mind of a shopper. Let’s check out the benefits that make the card popular among the shoppers.

  • 10X reward points available for every 100 spent on dining, movies, groceries and departmental stores
  • 2000 bonus points to be credited after spending ₹2000 in the first 60 days of the card issuance
  • Get your annual fee for the next year reversed on spending ₹90,000 in the current year
  • Enjoy 1% fuel surcharge waiver on vehicle refill at petrol pumps for transactions worth between ₹500 and ₹3,000


Fees & Charges

  • Annual Fee – ₹499
  • Renewal Fee – ₹499


ICICI Instant Platinum Credit Card

The card would appeal the diners and moviegoers the most with a flurry of offers on such amusements. Let’s read out the card benefits below.

  • 15% discount on dining at more than 800 restaurants via Culinary Treats Program
  • Get up to ₹100 discount on a maximum of 2 movie tickets in a month
  • Earn 2 PAYBACK Points for every ₹100 spent on all purchases excluding fuel
  • The reward points you earn on your shopping can be redeemed for cash


Fees & Charges

Joining Fee & Annual Fee – NIL


HDFC MoneyBack Credit Card

One of the most sought-after cards in the segment, the MoneyBack credit card comes to you with a host of benefits. Take a look.

  • On spending every ₹150, there are 2 reward points to be gained
  • Online spends to fetch 2X reward points
  • Enjoy a fuel surcharge waiver of up to ₹500 per billing cycle.
  • Zero lost card liability after reporting the loss


Fees & Charges


  • Annual Fee – ₹500


Standard Chartered Platinum Credit Card

The card is designed to please the traveller in you by providing reward points on such a spend. Not only on travel, the card comes with benefits for different categories of spends. Check all that and more below.

  • Earn 5X reward points on your spends made at leading hotels, dining outlets and fuel
  • 1 reward point comes to you for every ₹150 spent on all other categories
  • Win attractive offers on golfing retreats, holidays, dining, movie tickets and more


Fees & Charges

  • Joining Fee – NIL
  • Annual Fee – 399 (First Year)

– 750 (From Second Year Onward)


American Express Gold Credit Card

Wanna know the benefits of American Express Gold Credit Card? Take a look below.

  • Earn 1 membership reward point for every 50 spent except on fuel, insurance and utilities
  • Get 4000 bonus membership reward points for using the card thrice within 60 days the membership after paying the annual fee
  • Earn 1000 bonus membership reward points for using the card times on transactions of 1,000 and above every month
  • Redeem reward points from the fabulous 18 and 24 carat gold collection
  • Get up to 20% discount while dining at select restaurant partners
  • Get 2 additional supplementary cards without any additional cost
  • Round-the-clock assistance services


Fees & Charges

Joining Fee – ₹1,000 + applicable GST

Annual Fee – ₹4,500 + applicable GST

So, you have seen the offers of best credit cards in India in terms of reward points, discounts and several other cynosures. Choose a card that holds the potential to fulfill a maximum of your shopping needs.


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