Best Five Card in India
All About Credit Card
When it comes to credit cards, the only way to maximize the benefits is to choose a card that matches your lifestyle and spending habits. However, picking one credit card from so many available options may be difficult. To make it easier for you, we have listed down the top 05 credit cards in India offered by different card issuers, followed by the best credit cards across different categories such as shopping, travel, fuel, rewards, cashback, and cards with premium features.
Leading credit card issuers in India like HDFC Bank, SBI Card, Axis Bank, IndusInd Bank and Standard Chartered Bank offer a number of cards, each catering to unique individual needs like fuel, online shopping, dining, movies, groceries, or a mix of all. You must compare available options and then apply for a card to find the best deal as per your spending. To begin your credit card comparison, here is a list of some of the best credit card in india along with their annual fee and top features.
List of 05 Best Credit Cards in India for December 2023
1.SBI CASHBACK CARD
Cashback SBI Card is a comparatively new entrant in the cashback credit cards segment but it has quickly gained popularity among online shoppers. The card gives 5% cashback on online transactions without any merchant restrictions. Where most shopping credit cards limit the benefits to one or more merchants or spend categories, a card like this is truly a must-have.
Some good Features and Benefits:-
5% cashback on all online transactions without any merchant restrictions
1% cashback on offline transactions
Cashback auto-credited to the card within 2 days of bill generation
Why we like it.
High cashback rate for online transactions with no merchant restrictions
Cashback directly credited to card account without the hassle of redemption or conversion
**For more details and apply click here **
Annual Fee: Rs. 999
2.AXIS BANK ACE CREDIT CARD
Axis Bank Ace Credit Card is a good option for beginners looking for a high cashback rate at a nominal annual fee. The card offers up to 5% cashback on bill payments and online food delivery along with other benefits such as airport lounge access and dining discounts. The best feature about this card is that there is no upper limit on earning cashback.
Some good Features and Benefits:-
(A.)5% cashback on bill payment, DTH recharge, and mobile recharge initiated via Google Pay
(B.)4% cashback on Swiggy, Ola and Zomato
(c.)2% cashback on all other spends.
Why we like it.
Highest flat-rate cashback in the market
No upper limit on the cashback earned
Cashback on multiple categories and top brands
**For more details and apply click here **
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Annual Fee: Rs. 499
3.Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card is another entry-level credit card, with a good cashback rate on online shopping. The card offers benefits across top brands such as Flipkart, and other preferred partners (Uber, PVR, Tata SKY, Swiggy, etc). Despite being a co-branded card, the card functions more as a cashback credit card.
Some good Features and Benefits:-
5% cashback on purchases made via Flipkart
4% cashback across preferred partners
1.5% unlimited cashback on other spends
4 complimentary domestic lounge visits every year
For more details and apply click here
Why we like it.
One of the best cashback cards in the market
Cashback directly credited to the card account
Opportunities to avail benefits & discounts on travel, dining, etc.
Joining Fee: Rs. 500
Annual Fee: Rs. 500
For more details and apply click here
4.HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card is a good option for you if you are specifically looking for an HDFC credit card with a high cashback rate. The card offers good value-back on online shopping across top merchants as well as on other general spends. If you frequently use your credit card to shop online then this card is a good option as you avail annual fee waiver on spending more than a lakh in a year.
Some good Features and Benefits:-
5% cashback on all online shopping spends at Amazon, Flipkart, Myntra, Tata Cliq, etc.
1% cashback on all other spends
4 complimentary domestic lounge access per year on spending Rs. 1 lakh in a calendar quarter
Why we like it.
Co-branded cashback benefits across popular shopping platforms
Welcome benefit compensates for the joining fee charged
1 Cash Point = INR 1 when taken as statement credit
Joining Fee: Rs. 1000
Annual Fee: Rs. 1000
For more details and apply click here
5.Amazon Pay ICICI Credit Card
If you are an Amazon loyalist, then Amazon Pay ICICI Credit Card is the best credit card in India for you, since you can earn up to 5% cashback on Amazon spends. The best part about this card is that it is a zero annual fee credit card with a good cashback rate. Also, since Amazon is a leading e-commerce platform for all shopping needs, this card is highly recommended for everyday purchases.
Key Benefits
5% cashback for Amazon Prime members on Amazon spends
3% cashback for Non-prime members on Amazon spends
1% cashback on all other transactions
Why we like it
A good credit card for cashback
Simple reward redemption and cashback conversion
Beneficial for online shoppers
Joining Fee: Nil
Annual Fee: Nil
Sheela Chauhan
Hi I m Sheela from Faridabad Haryana. i m a Good Home Maker, my hobbies are Writing, i love to write articles and tech. blogs .