Visa, Mastercard, and American Express are some of the most popular credit card companies in India. They offer a wide range of credit cards, each with its unique set of perks.
The best credit cards in India is determined by a variety of factors such as your annual income, the kind of transactions you make, and so on.
ICICI PLATINUM CREDIT CARD
ICICI bank offers a lifetime free credit card that covers all of your regular needs. It stands out because of its large number of ongoing promotions with brands like Samsung, Flipkart, Grofers, Tata Cliq, Croma, and others. It gives two PAYBACK points for every INR100 spent on anything other than petrol. On transactions up to INR4,000, HPCL pumps offer a 1% discount on fuel purchases. To be eligible for this credit card, you must have a fixed deposit with ICICI bank in the amount of INR20,000 for a period of 180 days or more.
HDFC Regalia Card
This card is available for INR 2500 per year. The card comes with a large list of benefits, including the ability to reward your expenses faster than any other card and savings on a variety of meals. In the first year, if you spend INR 8 lakhs, you can receive 15,000 reward points. This card entitles you to priority check-in and access to the airport lounge while you are travelling.
Amazon Pay ICICI Credit Card
For people who shop online, particularly on Amazon, the AmazonPay ICICI Credit Card would be ideal. You are eligible for a 5% cashback if you have a current Amazon Prime subscription. If you don’t have an active Amazon Prime subscription, though, you’ll only get a 3% cashback on Amazon. You’ll get a 2% reward if you use this card on Amazon Pay at Amazon-affiliated businesses. Except for these, all other purchases will earn you 1% cashback. At over 2500 eateries across India, you might save up to 15% on your dining spend. In addition, you are entitled to a 1% discount on all fuel purchases. This credit card is offered by ICICI Bank without any application or yearly fees.
Axis Bank ACE Credit Card
When you pay your bills with Google Pay, you’ll get 5% cash back, and there’s no limit on how much you can spend. You’ll get 4% cashback on Ola, Zomato, and Swiggy, with no limitations, and 2% cash back on any other payment you make with this card. This card is available from Axis Bank for INR499 + 18% GST as a signup fee and an annual charge. However, if you spend INR 10,000 in the first 45 days, your annual charge is waived, and if you spend more than INR 2,00,000 in a year, your annual price is waived for that year. When you spend with this card, the cashback has no upper limit, making it the finest credit card in its category.
Flipkart Axis Bank Credit Card
An Axis Bank credit card that is partnering with Flipkart to provide you with the finest deals when you shop online with this credit card on Flipkart. The card is available for just INR500 + 18% GST as a membership fee. Axis bank imposes a cost of INR500 + 18% GST per year, which is eliminated if you spend INR2,00,000 per year. The perks that come with this card are sufficient to pay the annual charge. This card comes with an INR500 Flipkart coupon as a welcome gift, as well as a 15% cashback up to INR500 on your first Myntra purchase when you apply for credit card.