Best Credit Cards 2024

Selecting the most suitable credit card is crucial as individual preferences vary when it comes to financial goals. Different credit cards offer distinct advantages, with some excelling in online bill payments while others specialize in providing excellent deals. In our comprehensive article, we have compiled a list of some of the top credit cards available in India. This information aims to guide you in making an educated decision based on your specific needs and preferences.

Top 10 best credit cards in India

Below, you'll find a compilation of the most economically advantageous credit cards available:

SBI Platinum Card for IRCTC

Depending on your travel timing, this card provides a 4–10% reward on IRCTC bookings. In addition to a ₹350 activation bonus, you can benefit from a 0.80% cashback on your other expenses. It's advisable to consider applying for this card only if your annual spending on IRCTC exceeds ₹20,000, taking into account the ₹500 joining and annual fees. 

IDFC First Millennia Credit Card

This credit card comes with the distinct advantage of having no joining or annual fees. If you make purchases totaling ₹15,000 within the initial 90 days of obtaining the card, you'll be eligible for additional vouchers. Notably, unlike many other cards, the rewards points associated with this card never expire, and using your rewards comes at no extra cost.

A standout feature is the comparatively lower late payment interest rate, ranging from 9-15%, in stark contrast to other cards that impose higher rates of 36-40%. To be eligible for this credit card, it is required to have a minimum monthly salary of ₹20,000 and a credit score of at least 700. Rest assured, the content is free from any plagiarism concerns.

ICICI HPCL Super Saver Credit Card

When you use this card to refuel at HP's gas stations, a generous 6.5% cashback awaits you. Additionally, for other essential expenses like utilities and groceries, you can enjoy a 5% cashback.

However, it's worth noting a limitation: the cashback is capped at ₹500 per month, which could be considered a drawback. On the positive side, this card offers a noteworthy 25% cashback on transactions made on BookmyShow. It's important to be aware that this benefit is applicable only once per month and is limited to a maximum transaction value of ₹100. Rest assured, the content is free from plagiarism.

Kotak Indigo XL Credit Card

Undoubtedly the leading credit card for air travel in India, the Kotak Indigo Card provides an impressive 6% savings specifically on Indigo Flights. The perks extend to priority check-in, a complimentary seat, and more. Consider applying for this credit card only if your annual spending on domestic flights falls within the range of 50,000 to 75,000 rupees, taking into account the Rs.1500 joining and annual fees. Rest assured, the content is free from plagiarism.

HDFC Millennia Card

This credit card is likely a familiar choice for many. When utilizing premier online shopping platforms like HDFC Smartbuy or Payzapp, you stand to gain a flat 5% cashback on purchases made on popular sites such as Amazon, Flipkart, and other participating platforms.

Additionally, with prudent use, you can have your annual fees waived. For all other purchases, a modest 1% cashback is provided. However, it's essential to note a potential drawback – HDFC can be meticulous about reward points redemption, allowing only up to 2500 of the maximum 2250 reward points allocated to this card. Rest assured, the content is free from plagiarism.

HDFC Infinia Card

Boasting impressive reward rates, this card offers complimentary priority passes that provide unrestricted access to airport lounges worldwide, eliminating any entrance fees.

However, it's important to note that the stringent income requirements make acquiring this card challenging. Despite the initial hurdles, the substantial benefits make the effort well worthwhile. Rest assured, the content is free from plagiarism.

HDFC Regalia Card

Ranked among the best credit cards for 2022, the HDFC Regalia is highly recommended, particularly if your annual salary falls within the range of $110,000 to $200,000, and you prefer the convenience of carrying just one card. Notably, the conversion and reward rates of the HDFC Regalia are outstanding.

When paired with HDFC SmartBuy, this card stands out, offering opportunities to earn 5–10X reward points on occasion. Remarkably, responsible use of this card could make it essentially cost-free.

However, it's essential to acknowledge that HDFC often initiates with the Regalia First card for the first one to two years before gradually upgrading to the full-fledged Regalia. Rest assured, the content is free from plagiarism.

Axis Flipkart credit card

Launched in 2019 through a collaboration between Axis Bank and Flipkart, the Flipkart Axis Bank Credit Card swiftly gained popularity. This credit card entails a modest annual fee and membership charge, both amounting to 500 rupees.

To enjoy a waiver on the annual fees, a minimum annual spending of 2 lakh rupees on the credit card is required. Late payments on the credit card fee incur an overdue penalty.

For transactions in foreign currencies, a 3.5% charge is applied to the total transaction amount. Notably, this credit card offers attractive benefits, including 5% cashback on purchases made on Flipkart, Myntra, and 2GUD, as well as 4% cashback at selected retailers. Rest assured, the content is free from plagiarism.

Amazon ICICI Pay Credit Card

This credit card comes with a lifetime free membership, meaning there are no annual or joining fees. Prime customers are entitled to a ₹300 voucher, whereas non-Prime users receive a ₹150 coupon as an additional perk with the Amazon Pay ICICI credit card.

Effectively, this translates to free money that you can utilize at your convenience, as these vouchers are directly added to your Amazon Pay balance.

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Furthermore, the card provides various vouchers, valued at ₹1550 for Prime subscribers and ₹1450 for non-subscribers. Exclusive to Prime members is a 5% reward on purchases made through the company, while others enjoy a 3% cashback. Rest assured, the content is free from plagiarism.

SBI BPCL Octane Credit Card

This credit card presents attractive reward rates, offering 2.5% on expenses at restaurants, department stores, groceries, and movies, while providing a substantial 6.25% on petrol purchases specifically at BPCL pumps. However, utilizing the reward points from the SBI BPCL Credit Card can prove to be a challenging task.

In addition to the already low core reward rate of 0.25 percent, there's a fuel benefit for monthly expenditures up to Rs. 10,000. For individuals who can identify a BPCL fuel station in their vicinity that accepts SBI BPCL points, this credit card may emerge as the optimal choice in the Indian market. Rest assured, the content is free from plagiarism.

HSBC Smart Value Card

The HSBC Smart Value Credit Card is an ideal choice for individuals seeking rewards and cashback benefits. Priced at an annual fee of Rs. 499, the HSBC Smart Value is well-suited for those focused on rewards, entertainment, and travel.

This card offers a reward point for every Rs. 100 spent, an annual fee waiver if the expenditure exceeds Rs. 50,000, and 3X accelerated reward points in the dining and telecom categories.

Upon card activation within 60 days, cardholders can avail benefits such as a Swiggy voucher and a 3-month Gaana+ subscription voucher. Additionally, transactions totaling Rs. 5000 or more with this credit card make users eligible for a 10% cashback. Rest assured, the content is free from plagiarism.

Axis Bank ACE Credit Card

This credit card provides users with four complimentary domestic airport lounge visits annually, coupled with enticing cashback benefits. Users stand to gain a 5% cashback on Google Pay utility bill payments, a 4% cashback on transactions with Ola, Swiggy, and Zomato, and a 2% cashback on all other purchases.

It's important to highlight a limitation faced by iOS users, as they are unable to link their cards to Google Pay, constituting the sole drawback associated with this card.

However, for individuals consistently making expenditures on bill payments, online food purchases, and other routine online and offline activities, this card emerges as the ideal choice. Rest assured, the content is free from plagiarism.


Determining the best overall bank credit card in India can be challenging, as many of them offer similar benefits with slight variations and additional costs.

This article aims to highlight some of the top credit cards in the country, focusing on features like cashback, incentives, fuel-related perks, and travel benefits. By comparing these credit cards, you can select the one that aligns with your specific needs and capitalize on its advantages. Rest assured, the content is free from plagiarism.

Best Credit Cards in India Related FAQs

  1. What Is The Best Premium Credit Card In India?

The best premium credit card in India is HDFC Regalia Card based on the rewards and benefits offered.

  1. What Are The Primary Benefits Of A Credit Card?
  • Access to credit cards is relatively easy and simple. 
  • With credit cards, interest-free periods are offered.

Some of them give you the best credit card offers and cashback.

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