Best 10 Credit Card in India 2023

April 25, 2023


Credit cards are an exceptionally paramount financial instrument when used responsibly. Top banks and financial institutions offer various credit card options based on your creditworthiness. Get instant access to required funds by having any of the top credit cards in India.

To make the credit card hunt easy, we have encapsulated annual fees, features, and a brief analysis of the best credit cards in India.

Apply for the best credit card to bridge the financial gap and cope with your urgent financial requirements.

Top 10 Best Credit Card In India 2023

Top 10 Credit Card Annual/Joining Fee Highly Suitable For Best Features
Citi Rewards Credit Card INR 1000 Shopping and Reward Points · 10x rewards on fashion

· 300 bonus on spend

· Rewards never expire

· Instant points redemption

Simply CLICK SBI Card INR 499 Shopping, fuel, and Reward Points · Log-in gift

· e-Shopping rewards

·  Fuel surcharge waiver

·   Annual fee reversal

Axis Bank Ace Credit Card INR 499 Cashbacks, Food, and Complimentary lounge · Cashback on recharges

·  Food order benefits

·  Reward redemption facility

·  Complimentary lounge visits 

HDFC Diners Club Black Credit Card INR 10,000 Rewards, vouchers, memberships, discounts. · Reward points up to 33.33%

· Annual membership benefits

·  Fee reversal on spending

· 10x reward points offer

Amazon Pay ICICI Credit Card Free of Cost Online Shopping, Reward Points and  Cashback On each payment made towards Amazon you will get 5% cashback
HSBC Cashback Credit Card INR 750 Cashback rewards, lounge access, low fees. · Welcome coupons for spending

· 1.5% cashback on purchases

· Free airport lounge access

· No renewal fees

SBI SimplySave Advantage Credit Card INR 499 10X rewards on dining, low-interest EMI, no renewal fees, global acceptance. · Everyday rewards, low cost.

· Global acceptance, no fees.

· Flexible EMI option.

· Utility bill savings.

YES Prosperity Reward Plus Card INR 399 Premium rewards, low fees.


· Fuel surcharge waiver

· Fee waiver on renewal

· Joining fee refundable

·  High rewards on expenses

HDFC Regalia Credit Card INR 2500 Travel perks, insurance benefits, rewards program, airport lounge access. · Milestone rewards program

· Priority pass membership

· Fuel surcharge waiver

·  Airport lounge access

Air India SBI Signature Credit Card INR 4,999 Traveling expenses and Lifestyle · Priority pass membership

· Bonus in foreign currencies

· Easy reward conversion

·   Airport lounge access

You Might Also Like to Read: Advantages and Disadvantages of Credit Card

List of Top Credit Cards in India 2023

Selecting the best-rated, as well as a compatible credit card, can be a daunting process. Additionally, figuring out the best credit card in India that perfectly fits your income bracket, expected benefits, and reward redemption might end up munching plenty of time.

We have collated the list of the best credit cards in India hinged on ratings, features, offered rewards, and cash backs. Explore the available credit card options and choose the optimal one per your lifestyle and expense pattern.

1. Citi Rewards Credit Card

The Citi Rewards Credit Card tops our list of best credit cards in India as it allows you to unlock accelerated reward points on all purchases. To secure a Citi Reward Credit Card, you must pay a minimum joining fee of INR 1,000. Moreover, you get 2,500 reward points as a joining bonus. This card is highly suitable for basic expenses, specifically apparel shopping.

Citi Rewards Credit Card

Special Features

  • For every INR 125, you spend through the credit card, you get 10 Reward points. This feature is limited to every INR 125 spent on apparel or department stores.
  • For all other payments made from the credit card, you will get one Reward Point for every 125 Rupees you spend.
  • You will have to pay an annual INR 1,000 to get this card.


  • The reward points you get in return for the payments made from the card never expire. The credit card owner can redeem these reward points anytime or can just keep collecting the points.
  • Provides you with the opportunity to immediately get instant access to funds to meet any financial requirement.
  • You can quickly redeem the reward points through SMS.
  • With Citi Rewards Credit Card, you can transform massive purchases into payments that easily fit within your budget.
  • You can repay the amount in small installments through the EMI facility.

2. SimplyCLICK SBI Card

The SimplyCLICK SBI Card secures the second position due to its essential feature of providing reward points on every online purchase. It’s a true blessing if you are addicted to online shopping. You get an Amazon gift card of 500 Rupees as a welcome reward.

When you make payments towards online shopping, you get 5x reward points, whereas for shopping from the exclusive partners of SBI, you get 10x reward points. It allows you to make quick and convenient payments through a secure gateway. Your transactions are 100% safe.

SimplyCLICK SBI Card

Special Features

  • As a joining bonus, you get an Amazon gift card worth INR 500.
  • Purchase from any of the exclusive online partners and enjoy the benefits of 10x rewards points.
  • Just pay an annual fee of 499 Rupees and make this exclusive credit card yours.


  • When you make payments worth INR 100,000 through your SimplyCLICK SBI Card, the bank reverses the amount you paid as an annual fee.
  • If you make fuel payments with your card, a 1% fuel surcharge will be waived. This is specific for every transaction worth INR 500 and INR 3000.
  • Exclusive online partners are Amazon, Cleartrip, Netmeds, Apollo, BookMyShow Dine Out and Lenskart.
  • As soon as your online purchase crosses the benchmark, i.e. one lakh rupees, you will be rewarded with an e-voucher of INR 2000.
  • You can renew your card by paying an affordable INR 499.

3. Axis Bank Ace Credit Card

The  Axis Bank Ace Credit Card is a premium credit card offering numerous benefits, especially towards payments seeded to food and shopping brands. You can get this card by paying a minimum joining fee of INR 499.

Additionally, you get the maximum possible cashback and a flexible upper limit. No other card can beat the complementary benefits of the Axis Bank Ace Credit Card complementary benefits.

Axis Bank Ace Credit Card

Special Features

  • On DTH & mobile, recharges are made through Axis Bank Ace Credit Card, and you get 5% cashback.
  • The bank provides 2% cashback on payments hinged on food orders, specifically from Zomato and old rides.
  • By paying an annual fee of 499 rupees, you can avail of this premium card.


  • You get the maximum possible reward redemption facility without any upper limit.
  • Based on the reward point you earn throughout the year, the card renewal fee for the next year will be waived.
  • The joining fee will be reversed if you make a minimum payment of INR 499 within 45 days.
  • Opportunity to get four yearly complimentary visits to the lounge.
  • Option to convert purchases exceeding INR 2500 into small monthly installments.

4. HDFC Diners Club Black Credit Card

In the super-premium list of credit cards, the award-winning card is HDFC Diners Club Black Credit Card. No matter what financial expenses you need to bear with a credit card, i.e. travel, dine-outs, shopping, etc., this card offers you an exclusive range of benefits. In addition to elite benefits, you get huge rewards and cash-back redemption. You can use this card for national as well as international payments.

HDFC Diners Club Black Credit Card

Special Features

  • As an HDFC Diners Club Black Credit Card owner, you unlock a high reward point rate of up to 33.33%. Simply put, you will get five reward points on every purchase made through the card.
  • You get the option to convert your reward points into vouchers. These vouchers can be further used to purchase items listed within the HDFC catalogue.
  • Make this exclusive credit card yours by paying an annual fee of INR 10,000.


  • With this card, you unlock an annual membership of numerous organisations, including Forbes, Zomato (Gold), Club Marriott & Amazon Prime.
  • Premium benefits associated with HDFC diners clubs, including hotels and flight ticket booking.
  • If you spend an amount of INR 5 lakhs within one year, the annual fee will be reversed.
  • While spending on partner brands, you will get 10x redeemable reward points.

5. Amazon Pay ICICI Credit Card

One of the most popular and highly preferred cards is the Amazon Pay ICICI card. This card is popular specifically for eCommerce websites and online shopping sites. Amazon Pay ICICI, credit card users get a broad range of features and lifetime benefits. It is trendy as earlier it provided 1% cashback to the customers on every payment made from the card, regardless of the category.

Amazon Pay ICICI Credit Card

 Special Features

  • It offers an additional payback of 5% to Amazon members.
  • 15% of dining perks while dining with partner restaurants.
  • You don’t have to pay any joining fee to get this exclusive credit card.


  • It offers non-prime members a 3 percent cashback
  • Helps the ICICI culinary treat program with definite benefits.
  • There are no joining or yearly fees.
  • It provides Amazon Prime subscribers with premium benefits and rewards.
  • All Indian gas stations offer a 1% fee waiver to Amazon Pay ICICI credit card customers.

6. HSBC Cashback Credit Card

One of the best cards, it offers a variety of benefits, including interest-free credit periods & international transactions, for online purchases. Additionally, it is the ultimate credit card for rewarding points and partner brands, allowing early airport lounge access with various bonuses.

HSBC Cashback Credit Card

Special Features

  • On the first INR1000 spent within 30 days, it offers welcome coupons from Amazon, Zomato, and Myntra.
  • On the first Google Pay transaction, there is a 50% discount.
  • You can make this card yours by paying an annual fee of INR 750.


  • With every purchase, you unlock 1.5% of cashback.
  • Airport lounge access is provided without any additional charges.
  • There are no renewal fees associated with this major card.
  • On the expenditure of INR 1 Lakh from the prior year, the joining amount is reversed.
  • It provides 45 days of interest-free credit.

7. SBI SimplySave Advantage Credit Card

One of SBI’s most well-known and influential credit cards, i.e., the SBI SimplySave Advantage Credit Card, offers premium advantages for everyday purchases at reasonable costs. The card has widespread acceptance at many merchant locations worldwide, allowing for easy bill payment and clever EMI conversions.

SBI SimplySave Advantage Credit Card

Special Features

  • For dining out and supermarket shopping, the card also offers 10X reward points.
  • Special savings on utilities like power and water bills.
  • Pay the annual cost of INR 499 to get this card.


  • It offers an intelligent EMI choice with low-interest rates.
  • There are about 24,000 merchant locations worldwide that accept it on a global scale.
  • There are no renewal fees.
  • Card payments are made using reward points.
  • It provides the ability to withdraw money.

8. YES Prosperity Reward Plus Card

The best rates of interest and annual fees are available on this card from Yes-Bank. Additionally, the card gives premium advantages on domestic and foreign transactions and various privileges for lifestyle and travel expenses. Moreover, you get insurance protection with low joining and renewal fees that adhere to certain rules.

YES Prosperity Reward Plus Card

Special Features

  • It provides a specific remission of the fuel premium at any fuel pump in India.
  • In the event of an unintentional fatality, the card offers the primary cardholder an upgraded card shield.
  • The annual charge to get this card is INR 399.


  • It provides the highest benefits for everyday expenses like grocery and restaurants.
  • It offers a significant fee waiver on membership and renewal costs.
  • Card owner restores the joining fees on INR 10,000 purchases made within 90 days.
  • It offers a 1% fuel fee waiver at all gas stations in India.
  • The cardholder gets an additional advantage of advanced credit shields.

9. HDFC Regalia Credit Card

A credit card that may be used for various purchases and offers premium perks. The finest credit card provides a variety of opulent advantages for traveling, shopping, and access to airport lounges. Additionally, it provides various insurance benefits with restrictions and a priority pass membership.

HDFC Regalia Credit Card

Special Features

  • As soon as the user reaches certain spending milestones, 10,000 rewards are offered.
  • Membership in the advanced priority pass on adding one more person.
  • Pay a 2500 INR membership fee to obtain this card.


  • The card waives the 1% fuel price at all Indian fuel stations.
  • It offers a wide range of insurance benefits that cover unexpected hospitalization and fatalities.
  • The renewal fees are reversed on spending INR 3 lakhs.
  • On anniversary years, it adds bonus reward points.
  • It offers free access to domestic and international airport lounges.

10. Air India SBI Signature Credit Card

The Air India signature card can be your foremost option if you are a frequent cross-border traveler. With priority pass membership, the card offers quicker reward redemption for flights and access to airport lounges. It is the greatest credit card for travelers and NRIs because it offers numerous bonuses in foreign currencies at high conversion rates.

Air India SBI Signature Credit Card

Special Features

  • With every purchase, the card provides several incentives for redeeming rewards.
  • Easy way for converting reward points quickly into flying miles.
  • By making a yearly payment of INR 4999, you can add this card to your list.


  • It offers the highest level of priority pass membership together with premium advantages.
  • There are numerous anniversary advantages.
  • For EMI payments, it provides the Flexi Pay option.
  • It gives eight people free access to domestic and international airport lounges.
  • It provides simple bill payment and EMI conversion options.

The list above of the top credit cards in India is based on our in-depth investigation. After reading our list, you will gain clarity in selecting the best credit card in India for your needs. Credit is essential to help you pay for unexpected costs and maintain your standard of living.

The best credit cards in India include coverage and insurance that helps the cardholder with emergency bulk payments. Therefore, pick the best credit card and take advantage of the premium features linked to the credit cards.

Related Resource
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What is the number 1 best credit card?

The HDFC Millenia Credit Card is the best. You can quickly get up to 10% cashback and other rewards while making payments from this exclusive card.

Which credit card is the best for online shopping in India?

The SBI Simply Click is India's best credit card for online shopping

Will the lounge benefits with these top credit cards be free of cost?

No, the premium credit cards that offer lounge benefits come for an annual fee. The charges you will be bound to pay to depend on the credit card you opted for.

What is the minimum salary required for a credit card?

Your minimum salary to avail of a credit card is 20,000 to 25,000. However, the bank does not only rely on monthly salary to approve your credit card application.


Chitra is a stellar writer with over three years of experience writing about banking, financial services and insurance. She enjoys delving deeply into all the nitty-gritty of finance and associated topics that most people would rather avoid. With a master's in Computer Science, Chitra alchemises her analytical and creative prowess to manifest some of the most astounding articles for Urban Money.

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