Choosing the best credit card in India depends on your individual spending habits and financial goals. Here are some top credit cards across various categories:1. SBI Cashback Credit Card
Annual Fee: ₹999 (waived on annual spends of ₹2 lakh)
Benefits: 5% cashback on online spends without merchant restrictions1% cashback on offline spends1% fuel surcharge waiver at all petrol pumps in IndiaCashback credited within 2 days of bill generation
Axis Bank Ace Credit Card
Annual Fee: ₹499 (waived on annual spends of ₹2 lakh)Benefits:
5% cashback on bill payments and mobile recharges via Google Pay4 complimentary domestic lounge visits per year1% fuel surcharge waiver at all fuel stations3. Amazon Pay ICICI Credit Card
Annual Fee: None Benefits:
5% cashback on Amazon.in for Prime members3% cashback on Amazon.in for non-Prime members2% cashback on 100+ Amazon Pay partner merchants1% cashback on all other transactions
HDFC Millennia Credit Card
Annual Fee: ₹1,000 (waived on annual spends of ₹1 lakh)Benefits:
5% cashback on Amazon, Flipkart, and select merchants2.5% cashback on flight and hotel bookings via PayZapp and SmartBuy1% cashback on all other spends8 complimentary domestic lounge visits per year
Flipkart Axis Bank Credit Card
Annual Fee: ₹500 (waived on annual spends of ₹2 lakh)Benefits:
5% cashback on Flipkart and Myntra4% cashback on preferred partners like Swiggy, Uber, PVR, and Cure.fit1.5% cashback on all other spends4 complimentary domestic lounge visits per year
Choosing the best HDFC Bank credit card depends on your spending habits and financial goals. Here are some top options to consider:
1. HDFC Regalia Gold Credit Card
- Annual Fee: ₹2,500 + GST
- Benefits:
- Welcome gift voucher worth ₹2,500
- 4 reward points per ₹150 spent on retail purchases
- 5X reward points on spends at Myntra, Nykaa, Marks & Spencer, and Reliance Digital
- 12 complimentary airport lounge accesses annually at domestic and international terminals in India
- Flight vouchers worth ₹5,000 on annual spends of ₹5 lakh
- Up to 20% savings on dining via Swiggy Dineout
2. HDFC Millennia Credit Card
- Annual Fee: ₹1,000 + GST
- Benefits:
- 5% cashback on spends across top e-commerce brands, including Amazon, BookMyShow, Myntra, and Swiggy
- Welcome benefit of 1,000 CashPoints upon realization of joining fee
- Up to 20% discount on dining at partner restaurants via Swiggy Dineout
- 8 complimentary domestic airport lounge accesses per year
- 50-day interest-free period
3. HDFC Diners Club Privilege Credit Card
- Annual Fee: ₹2,500 + GST
- Benefits:
- Up to 10X reward points on SmartBuy travel bookings
- 20 reward points per ₹150 spent on Swiggy and Zomato
- Complimentary memberships to Amazon Prime, Times Prime, and more
- Monthly milestone benefits with Ola Cabs, BookMyShow, and Tata CLiQ
4. HDFC MoneyBack+ Credit Card
- Annual Fee: ₹500 + GST
- Benefits:
- 10X reward points on leading brands like BigBasket, Amazon, Reliance, Swiggy, and Flipkart
- Cashback in the form of CashPoints, redeemable against statement balance, travel benefits on the SmartBuy Portal, or vouchers and merchandise from the rewards catalogue
- Welcome benefit of 500 CashPoints.
