10 Best Credit Cards in India

Just like you, I’m a big fan of credit cards (I’ve got five!). Why? If you know the inside outs of how credit cards work, how to manage credit, and is knowledgeable about their offerings and features, you can get a lot of leverage financially. That’s why you will see rich folks carrying more than one credit card. They have one for each use (shopping, travel etc). Of course, if you don’t know how to use a credit card, then you’re treading difficult terrains. In this article, I’ll give you an idea of the best (and worst) credit cards in India from my experience. Also, some cool offers and tips for you. Read along! (If you are looking to find what is the right credit card for you, submit this form here with your details, and I should be able to send you some recommendations.)

Credit cards are the most convenient modes to make payments as it reduces the burden of carrying  cash all the time. Some credit cards are for travelers, some for shopping and some for international travel etc (I’ve written about plenty of them on this blog, just search via the search form for cards you are looking for). Depending on their use, features also change. In India, the credit scoring system isn’t as popular as in the US (it exists but people aren’t aware), but still there are a variety of credit cards available today.

Having said that, traps and misleading offers are many. One has to carefully study each credit card offer before taking one. But then, worry not, in this article, we’ll take a look at the best credit cards in India available today from different banks. If you’re looking for Shopping and Cash back credit cards, here are the best Shopping & Cashback credit cards in India.

In this article, I’ll share with you some of the best credit cards available in India today.

In summary, here are the best credit cards in India.

  1. Standard Chartered Platinum Rewards Card
  2. ICICI Instant Platinum Card
  3. Standard Chartered Manhattan Credit Card
  4. Citibank Platinum Credit Card
  5. Indian Oil Titanium Citibank Credit Card
  6. SBI Simply Click Credit Card
  7. SBI Elite Credit Card
  8. HDFC Platinum Plus Credit Card
  9. HDFC Solitaire Credit Card
  10. American Express Gold Credit Card

Also, check out my entire collection of credit card reviews here.

Which are the best Credit Cards in India?

Here is a list of top credit cards in India that currently are available.

1. Standard Chartered Platinum Rewards Card

Best Credit Cards in India - Standard Chartered Platinum Credit Card

In my opinion, this is one of the best rewards credit card available in India today, especially for salaried folks and beginners getting their first credit card. If you are a regular spender (who isn’t?) this card will earn you more value for your money with reward points. It earns you points for fuel purchases, movie tickets and eating out. Sounds like many of us, right? 🙂

Why is this card better than others?

  • Annual Fee is lowest – Rs.250 that will be waived off if you spent more than Rs. 30,000 in a year.
  • Get 5 reward points for every Rs.150 spent at fine-dining outlets (they have a good list of eligible hotels).
  • Get 5 reward points for every Rs.150 spent on fuel (at any fuel stations in India).
  • Get BookMyShow Voucher worth Rs.250 on card setup and additional Rs.250 on first transaction done within 30 days of card setup.

What’s not so good about this card?

  • If you don’t hit the Rs.30,000 per year requirement, there is a Rs.250 annual fee for this card.
  • It is not available in all cities of India.
  • If you are not a salaried person, your chances of getting approved is low.

Who is eligible for this card?

  • You have to be a salaried employee at a reputed company.
  • Your age should be between 21 and 65.
  • You have to have your KYC documents ready.
  • You need to have a decent CIBIL score.

If you already have another credit card, this card is easy to get. When applying, you need to provide the following.

  • Latest one month salary slip.
  • For Self Employed Businessmen: Latest IT Returns with computation of income /Certified Financials, Last Business Continuity proof
  • Self Employed Professionals: Latest IT Returns, Business Continuity proof.

More Details Here

2. ICICI Instant Platinum Credit Card

 

Best Credit Cards in India - ICICI_Instant_Platinum_Credit_Card

Let me get this straight.

This is probably not the best card in terms of features. But it’s the best card in terms of getting approved for one. Especially for first timers and people who have low credit scores and having trouble getting other regular credit cards. This is a credit card ICICI gives you against a fixed deposit. All you need is a new saving account with ICICI (you will either need to open one or create a Fixed Deposit online).

Why is this card better than others?

  • ICICI Platinum credit card is useful for those who have problems with their credit scores. You don’t need a credit history to get this card. (Kind of like a secure credit card)
  • You can instantly get access to this card against the security of fixed deposit. The minimum fixed deposit is Rs. 20,000 and has to be kept for at least 180 days.
  • Charges for the overdue interest is 2.49% per month and 29.88% yearly. But interest will only be charged if you only make part payment or nil payment. If the outstanding has been paid in full you will not be charged any interest.
  • Zero annual fee
  • 2.5% fuel surcharge can be availed for transaction up to Rs 4000 at HPCL pumps

What’s not so good about this card?

  • It cannot be issued to minors and foreign nationals.
  • You have to have an ICICI savings bank account to get it.
  • Rewards points aren’t much.
  • Overdue interest per month is 2.49% which is on the higher side.

More Details Here

Related: Check out Citibank Cashback Card’s Review.

3. Standard Chartered Manhattan Credit Card

Standard-Chartered-Manhattan-Card-India

I love this card from Standard Chartered. Why? It’s meant for urban people like me, whose monthly expenses are mainly on groceries, online shopping and stuff like that.

This card gives you a flat 5% cashback on grocery shopping. Of course, it is not available everywhere but at your regular shopping stores like Big Bazaar, Reliance More, Spencers etc.

Why is this card better than others?

  • Get 5% cashback on every Rs.150 spent at supermarkets and department stores.
  • Many discounts and offers at most hotels and lifestyle stores.
  • Many daily offers such as, free delivery on Swiggy, 25% discount on Treebo hotels etc.

What’s not so good about this card?

  • There’s an annual fee of Rs.999, which can be waived off.
  • Your local super market may not be covered in their network.

Who is eligible for this card?

  • You have to be a salaried employee at a reputed company.
  • It’s better if you have other credit cards (better acceptance rate).
  • Your age should be between 21 and 65.
  • You have to have your KYC documents ready.
  • You need to have a good CIBIL score.

I recommend this card to anyone who is trying to save money on monthly expenses and is already doing a lot of shopping with other credit cards or cash. Switching to Manhattan Platinum can save you lots of money by means of rewards and cashback points.

More Details Here

Related reading: Best Credit Cards from State Bank of India 

4. Citibank Platinum Credit Card Citibank Platinum Credit Card

Why is this card better than others?

  • Get up to 10 reward points for each Rs.125 spent at retail stores (within network).
  • There is no joining fee or annual charges for this card.
  • You can earn 1 point on every Rs 125 spent on the Citibank Platinum Credit Card.
  • Special discounts on dining, entertainment and travel.
  • You can know your credit card bills through the credit card statement sent through letter or email. You can also keep track of your account through CitiAlert.
  • You can also opt for Click-an-EMI that allows you make your payments in easy installments.

What’s not so good about this card?

  • The interest rate is 3.25% per month and the annual rate is 39.00% (it’s on the higher side).

Who is eligible for this card?

  • You have to be a salaried employee at a reputed company.
  • It’s better if you have other credit cards (better acceptance rate).
  • Your age should be between 21 and 65.
  • You have to have your KYC documents ready.
  • You need to have a good CIBIL score.

More Details

Related reading: Top Credit Cards from Axis Bank

5. Indian oil Titanium Citibank Credit Card

Indian Oil Citibank Credit Card - Best Credit Cards in India

If you have a car and commute to office everyday or hit petrol more than twice a month, then this card is for you. It is a good fuel card that has lots of benefits if you pump fuel from IndianOil fuel stations in India. I highly recommend it.

Why is this card better than others?

  • You earn up to 4 points on every purchase of Rs 150 fuel from Indian Oil. These points can be redeemed at Indian Oil for fuel purchases. I turbo point is equal to Rs 1 free fuel.
  • You can get 2 Turbo Points on every Rs.150 spent at groceries and supermarkets (from approved list).
  • Probably the best fuel credit card in India.

Advantages

  • There is no annual fee to be paid if you spent Rs 30,000 or more on this card in a year. But subscribers who have not spent Rs 30000 will have to pay an annual fee of Rs 1000.
  • You can redeem your points for free fuel

What’s not so good about this card?

  • Interest rate is 3.25%per month and the annual rate is 39%
  • Not all of your local supermarket stores will be included in the approved list.

More Details

Related reading: Top Credit Cards from CitiBank

6. SBI Simply Click Credit Card

SBI Simply Click Credit Card Review

SBI Simply Click is the best credit card for online shopping in India. Do you purchase stuff from Flipkart and Amazon like online shops every month? Then this card is for you. I’ve been using this card since one year now and I love it for the benefits it gives you when online shopping. It is essentially a rewards card but the benefits are tuned more for online shopping. And they have tie ups with certain online shops, which makes it even more useful.

Why is this card better than others?

  • You get a free Amazon gift card worth Rs.500 on joining.
  • It gives you 5X Reward Points on online purchases (10X for approved partners).
  • If you spend Rs.1 Lakh annually, you get Rs.2000 gift voucher.
  • Gets your more value for your online purchases with 5X and 10X reward points that are redeemable online.
  • Tie-ups with merchants like BookMyShow, Amazon etc makes it very useful.

What’s not so good about this card?

  • Annual fee of Rs.500.
  • Additional renewal fee of Rs.500 as well.

More Details

Related reading: Credit Cards from ING Vysya Bank

7. SBI Elite Credit Card

SBI Elite Card Review

SBI Elite card is for the wealthy and elite of India. Duh.

It clearly is designed for the premium customer who frequently travels abroad, uses airport lounges, shops abroad and stays in fancy hotels. If you are one such person, this credit card is worth a try.

However, let me also remind you that if you fall into that premium segment, there are other top class credit cards for you other than from SBI.

Why is this card better than others?

  • This card offers minimal forex transaction charges on purchases made abroad, so you can use it for shopping when traveling outside India.
  • Lot of fancy privileges like free airport longe access, custom holiday destinations, concierge service etc.
  • You get a free e-gift voucher worth Rs.5000 on joining.
  • Generous rewards for travel and annual shopping (in the tune of 3-4 lakhs per year).

What’s not so good about this card?

  • Annual fee of Rs.5000 is hefty.
  • If you are not a frequent traveler abroad then it might not fit you.
  • Most rewards have clauses and limits which is hard to remember.

More Details

Related reading: Top Credit Cards from HDFC Bank

8. HDFC Platinum Plus Credit Card

HDFC Platinum Plus Credit Card

Like the Indian Oil credit card from Citibank, this is another premium credit card that will save you lot fo money on fuel by winning you redeemable reward points.

Why is this card better than others?

  • Subscribers of HDFC Platinum Plus Credit Card benefit Rs 250 as Fuel Surcharge Waiver.
  • For every Rs 150 spent using this card you earn 2 reward points.
  • No liability on losing the card
  • This credit card provides you 50 days interest free credit commencing from the date of purchase.
  • There is no joining fee for the HDFC Platinum Plus Credit Card.
  • If card is issued against fixed deposit you interest liability is only 1.99%per month and 23.88%annually.Otherwise it is 3.4%monthly and 40.8% annually.
  • Add on facility allows you to get an additional 3 cards for your spouse, parents, brother or sisters

What’s not so good about this card?

  • If card is not taken against fixed deposit you will have to pay high interest of 3.4%monthly and 40.8% annually.
  • There is joining fee but there is an annual fee of Rs 399.

More Details

9. HDFC Solitaire Credit Card

HDFC Solitaire Credit Card

Finally, a card exclusively for women. HDFC bank has come up with this credit card with features that appeals to women in India. And it indeed is very useful. Check out the features.

Why is this card better than others?

  • This card is exclusively designed for women and has a lot of deals for shopping.
  • You get gift vouchers worth 1000 every 6 months from Shoppers Stop.
  • Rs 250 off on fuel surcharge every billing cycle.
  • The card also gives you 3 reward point on every Rs 150 spent.
  • You can a cash back of up to Rs 4000 for Rs 500000 spent on the card.
  • On loosing card subscriber has zero liability after informing the bank of the loss.
  • You can make up to 2,880 Reward Points just from dining as well as grocery.
  • If card is issued against fixed deposit you interest liability is only 1.99%per month and 23.88%annually.Otherwise it is 3.4%monthly and 40.8% annually
  • Rs 250 off on fuel surcharge every billing cycle.
  • If 10000 is spent within 90 days of issuing card then first years membership fee is waived off.

What’s not so good about this card?

  • There is an annual fee of Rs 999 but you don’t have to pay any joining fee.
  • If card is not taken against fixed deposit you will have to pay high interest of 3.4%monthly and 40.8% annually.

More Details

10. American Express Gold Credit Card

Best_Credit_Cards_in_India_AmEx_Gold

This is probably one of the best rewards credit card from AmEx. It works on the membership rewards concept. Universally, widely accepted, this card in India comes with pretty much the same benefits and features. I would recommend it for someone who is salaried, preferably on the middle or upper management, or earning 1Lakh and above with a good credit history.

It earns you one membership reward point for every Rs. 50 spent on the card, except for purchases at fuel, insurance, utilities and cash transactions. Also, you can win 1,000 membership rewards points when you do six transactions each worth Rs. 1,000 or more on your card.

Why is this card better than others?

  • Good rewards card if you spend a lot and want rewards based on transactions.

What’s not so good about this card?

  • Annual fee of Rs.4,500 (first year it is Rs.1,000)

More Details

Frequently asked questions

Here are some of the most frequently asked questions and their answers.

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

In my opinion, SBI Simply Click is the best card for online shopping in India. It not only earns you rewards for purchases, but also has good tie up with some of the popular online shops in India.

Which is the best cashback credit card in India?

I think Standard Chartered Manhattan card is one of the best cashback credit cards in India.

Related reading:
Best Credit Cards from Standard Chartered Bank – Features some of the best credit cards from Standard Chartered.
Best Credit Cards from SBI – SBI’s top recommended credit cards.
Top Credit Cards from Axis Bank – Axis banks most recommended credit cards hand picked.
Top Credit Cards from CitiBank – Citibank, which has some of the best credit cards, has all of them listed here.
Credit Cards from ING Vysya Bank  – These are some of the best credit cards from Vysya bank.
Top Credit Cards from HDFC Bank – These are HDFCs best credit cards I’d recommend.

If you’re looking for Shopping and Cash back credit cards, here are the best Shopping & Cashback credit cards in India.

Before getting a credit card, there are certain things one should be aware of. Let’s go one by one.

Related – HDFC Credit Cards | Axis Bank Credit Cards | Standard Chartered Credit Cards | Citibank Credit Cards | SBI Credit Cards | Kotak Mahindra Credit Cards

Factors to consider before getting a credit card in India

Interest rate

Interest rates vary from bank to bank and it would be charged every month. It can be as low as 1.99% to 3.5% and best option would be to compare the rates to find the most feasible choice.If you meet your bills on time it won’t be a problem but otherwise the debt compounding every month becomes very difficult to pay off.

Annual fees

A yearly fee or a renewal charge will have to be paid by the credit card holders.  Some banks provide free credit cards for certain time period but once it expires you would have to pay the charges.

Convenience in paying the bills

You can pay your credit card bills online, cheques or by cash. Payment is prompt and easy when it is done online. But sometimes cheque take time to process and customers end up being charged for not meeting the bills on time. So in such cases it becomes a difficult task to get the charges reversed.

Got questions? Leave a comment below or WhatsApp me your question. Glad to help!

About the author

Mani Karthik

Hi, Mani Karthik here. Having lived in USA, India & Middle East, and worked for big MNC's to startups, I have a lot to share with you. My aim is to help people, by sharing everything I've learned in life. Here's my full story. Connect with me on FacebookInstagram, Twitter or WhatsApp (+001-408-489-4785). This blog is read today, by more than 300K people world over! Here's my guide on how you can start a blog like this. :)

92 Comments

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  • Hey Mani,
    Well, actually I am looking for a card with 0% interest.
    is there SBI provide these type of card.
    If yes then tell me how to apply for sbi credit card online
    Thanks sir.

  • Hi Karthik
    I’ve three credit cards – Amex Platinum reserve card (1st yr), SBI Gold free card and Amazon ICICI card. I’m looking for three things in a card – Domestic Lounge service as I travel for office work (Air India), Min two complementary Golf rounds per month and cash back on purchases. Can you suggest one / two cards that meet the requirement. Should I surrender any of the above card. I’m planning to upgrade SBI card or surrender it. Please advice.

    Thanks

  • […] you are a salaried person and you’re looking for a credit card. You have plenty of options from the banks, but choosing the right one may be confusing. There’s so many options to choose […]

  • […] you are not interested in this card, there are several other alternatives here. All the […]

  • hii mani

    i am looking for a credit card which will give me good cashback offers on online purchases, fuel and access to lounges in domestic as well as international airports across india . Also the credit card should be acceptable at all places. i dont intend to keep more than 01 credit card. so in short i am looking for an all rounder credit card with miimum annual charges.

    please suggest

    regards

    gunjan

  • I am an NRI. I don’t have a credit card in India. I would like to apply for a credit card for the usage in India as well as abroad. I may not use it regularly but only to keep as an emergency fund (or to book tickets in EMI). Could you please suggest a card without annual fee.? Which is the best one offers lowest rate of interest.?

  • Hi Mani Karthik, Nicely written article describing the various Cards in Brief. Keep it up.

    Can u suggest among the following Cards, which ones to keep and which one to ditch depending upon the rewards/cashbacks/features/annual-renewal rates.
    -HDFC Regalia Visa (Lifetime)
    -SBI Elite Visa (4999+Tax)
    -Standard Chartered Emirates (Skywards) Platinum World Master (3000+Tax)
    -Amex Platinum Travel (1st Year Free & then 5000+Tax)
    -Citi Premier Miles (3000+Tax)

    Right now having first 4 out of 5.

    Cheers.

    Pradeep.

    • I wouldn’t recommend ditching cards if you already have them. If it’s a no annual fee card, then reduce the usage and keep it with you as sometimes, dropping a card might reduce your credit score. I would definitely keep the HDFC Regalia one.

  • Hi, I request your help in selecting the best credit card for me. I’ve 3 active credit cards &my usage goes from Rs 3,000 – Rs 18,000 per month which includes stationary purchases, online payments, fuel filling & paying bills etc. Presently I’ve the following credit cards:
    1. ICICI platnium credit card with limit of 75,000 (annual fee: 199 + tax, waived if spending > 50,000)
    2. HDFC money back credit card with limit of 65,000 (no annual fee)
    3. SBI simply save credit card with limit of 90,000 (annual fee: 499 + tax, waived if spending > 75,000)

    I wish to filter the cards to 1 or 2. Please share your suggestion. Any help in this regard will be appreciated. Thanks in advance.

    Regards,
    Majeesh

    • Hi Majeesh,

      I would keep 1 and 2 if you really want to only keep 2 cards. But realistically you will just need the HDFC money back credit card with no annual fee. You have 65K and it’s a good cashback card where you can put your regular purchases on.

  • mani
    tell me i am with zero knowledge of credit cards ,suggest one card which will help my shoping and get more cash backs on online purchase

    • Are you going to get one for the first time Hari, then I would suggest getting a prepaid card to build your credit. Details.

  • Hi Mani.. I am a premium bank customer. I already have HDFC REGALIA and STANDARD CHARTER MANHATTAN CARD. Both are life time free and therefore i am looking for my 3rd credit card. I need this card to make my LIC premium payment every year which is over rs one lakh. But I heard that American Express as well as SBI don’t give reward benefits for making LIC premium payment, can u confirm if this is right. Also can u suggest me a card which gives maximum reward points or Cashback on LIC premium payment of rs.one lakh.

    • Hi Raaz,

      India Govt. has announced that they will give ~10% discount for LIC premium payments via credit cards. You could utilize this feature when it is live.

  • Hi Mani,

    I was planning for a secured Credit Card, so recently paid a visit to my local HDFC branch, I was offered HDFC regalia card for 4 lakhs, and Regalia first for 2 Lakhs, since regalia is being downgraded from Nov 1, should i go for the Regalia first for 2 lakhs FD ?

    • Great. Yes, I will opt for Regalia first for 2 Lakhs, use it within 20-30% every month, pay off the balances fully every month and build your score for the next six months or so. Once you have build your credit score, you can go for better ones. Here are some tips to improve your credit score.

      • Thanks for the reply Mani, I really appreciate it, I have another question.

        I have almost decided to got for the Regalia First for 2 lakhs FD, but sometimes I have transactions that are almost 80%-90% of the credit limit(in this case 85% of 2 lakhs), I do not want these high utilization transactions to affect by CIBIL score. In that case can I Increase the credit card limit by depositing more money into the credit card account, is this possible with HDFC secured credit cards(Regalia First) ?

  • Hi Mani,

    Very useful article. Keep up the good work.

    I have a decent amount of cash in FDs. Want my first credit card. Usually spend everything with debit cards- phone/net/electricity bill payments, rail tickets etc.

    Which card would you suggest?

    Cheers
    Sunil

    • Hi Sunil,

      Good call. Most of us are big on debit cards and less credit savvy, but it’s a lot more rewarding. Welcome to the credit card world!

      If you already have FD, what I would suggest is to contact your current bank and get a secured card from them. You can use that to build credit, and once you have enough credit built, apply for a general purpose rewards credit card like one of these.

      Here’s more information on how to get credit card for a first timer.

      Feel free to contact me if you have more doubts.

  • Hello Mani
    Why is it that almost all credit cards that can be applied online have list of only major cities / metros in India. I am working in a small town and finding it difficult to get a second credit card.

    Sreedhar

    • Sreedhar,

      Credit agencies and banks have different tiers they work with. For example a metro like Mumbai is highly considered credit worthy as compared to a small town, where the risks of giving credit is higher (theoretically). However, if you contact the bank directly, they will be able to help you by channeling your case to the nearest branch (in a bigger town most likely). Having said that, it all depends on your credit worthy-ness.

  • Hello Mani,
    I would like to get a credit card to purchase mobile phones and smart tv and maybe also a car (it is optional as i may choose to get a car loan too). Please suggest any good credit card as i would also like to avoid fixed deposits.
    It will be my first credit card

    • For first timers, it is tough to get a credit card with big balances, because you haven’t proved your credit worthiness with a track record. First off, I’d suggest you try checking your credit score and then apply for a secured credit card with a fixed deposit. Buying a car on credit card is kind of absurd. You are better off getting a loan. Apply for the credit cards mentioned above as well, although not all of them are for first timers.

  • Hii… I have gone through your blog helping people for credit cards.
    I will be first new credit card user, my spending would be on shopping, fuel, dining, paying bills.
    Kindly suggest me credit card which offers good reward points.

    Thanks, Ramneet.

    • For first time users I suggest a secured credit card. Here are the details – http://news.manikarthik.com/first-timer-credit-cards/money/

  • Hi MANI
    FIRST new credit card user.My normal usages will be booking movies tickets,shoppingcan you suggest me which credit card will be suitable for me?

  • Hi Mani,
    I am planning to get my first credit card, my normal usage will be online shopping,purchase,travel tickets,Bill Payments.

    Pls suggest me.

  • Hi Mani, I am looking for a card mainly for Day to day shopping of
    (1)Grocery at More/Big Baazar/Super Store Monthly Expenses = 13000 INR
    (2)Online shopping at sites like PayTM, Myntra etc = 2500 INR
    (3)Medicines = 9000 INR
    (4)Utility Bills= 3000INR
    (5)Fuel = 2200 INR
    (6)Dining = 2000 INR

    Please suggest a card on the basis of above expenses wherein I can wither make a good cashback or maximum reward points every month.

    Currently, I’m using ICICI Bank Platinum, CITIBANK INDIAN OIL TITANUM, Standard Chartered Bank Card. But I see max 1 reward point on 100 spent in these.

    I work for IBM as a Sr. Software Consultant and gets lotsa calls from bank to have free of charge card options too. I’m very confused which card should be withdrawn and which all should be continued or taken from afresh.

    Please suggest. Thanks in advance.

    • Vivek, you might want to get two cards. The Standard Chartered Super Value Titanium (http://bit.ly/mkcard1) looks like a good match for you.

  • I am going to be a new credit card user.My normal usages will be flight tickets,booking movies tickets,shopping(not so often).can you suggest me which credit card will be suitable for me?

    • Pandian, for new credit card users, I suggest going through this guide http://news.manikarthik.com/first-timer-credit-cards/money/

  • Hi

    Thanks for the awesome update about crefot card amd your genuine help

    plz advise card forme b . below are my requirements

    1lounge access for my parents india plus abroad

    2.cash back or reqard points as this card will be used in india . mumbai for all types of shopping ie grocery. bill payments clothing amd all daily necesities

    kindly help

  • hi,
    This is Tushar
    I like ur blog. Its all about travel, finance, etc.
    U have managed it very well.
    India need youths like u, enthusiastic.
    Im also in search of like possibilities.
    Certainly within few years, i wil get it
    Best luck

  • Hi I need a card having unlimited Airport Lounge access (priority pass), dont mind paying yearly fees. Please suggest me a suitable card for the same, I am jet privilege member also.

    • Try

      1. SBI Signature Card – Rs. 3000 Joining fees, Rs. 3000 Annual fees
      Access to over 600 airport lounges through a priority pass

      2. Citi Premier Miles Card – First year fee waived for Citi Priority clients, Rs. 3000 Annual fees
      2A. Visa Card
      Chennai Travels Club Domestic Terminal
      Chennai Travels Club International Terminal
      Delhi Plaza Premium Lounge Domestic Departures (T3)
      Delhi Plaza Premium Lounge International Departures (T3)
      Mumbai Carnations Lounge Domestic Departures (1C)
      Hyderabad Plaza Premium Lounge International Departures
      Hyderabad Plaza Premium Lounge Domestic Departures
      Bangalore Plaza Premium Lounge Domestic Departures
      Bangalore Plaza Premium Lounge International Departures
      Note: Limited to 8 visits per quarter per card.

      2B. Master Card
      Chennai TFS Lounge, International Departures, First Floor, Near Gate Nos 11 International Departures
      New Delhi Plaza Premium Lounge – Domestic Departures ( T3) Domestic Departures
      Hyderabad Plaza Premium Lounge – International Departure, Near Gate 32A International Departure
      Bangalore Above Ground Level Lounge – International Departures, T3 International Departure
      Offer valid till 31st Dec, 2016
      Note: Limited to 6 complimentary Airport Lounge visits per calendar quarter. Contact the respective airport lounge desk for applicable charges.

      3. Jet Airways Platinum Card – Rs.5000 Joining fees, Rs.10000 Annual fees
      Complimentary visits to 14 Domestic Airport Lounges at 12 cities in India

      4. AMEX MakeMyTrip Credit Card – Rs.750 Joining fees, Rs.1500 Annual fees
      Discounted access to 31 Domestic Airport Lounges at 14 cities in India

  • Hi i need a High end card having unlimited Airport Lounge access (priority pass) and my spending limit is 8 lakhs per annum. dont mind paying yearly fees. would a charge card be better. presently i am using AMEX Jetairways card. howevever lounge access at Airports is limited.

    • Consider HDFC Diners Card. I am using HDFC Diners Rewards card for more than 1 year and happy with it. I prefer either Rewards or Blank.

      Joining Fees: Nil, Annual Fees: Nil
      Benefits:
      1. Unlimited Domestic Lounge access (Consider Blank one, if Unlimited international lounge access required)
      2. Unlimited offer: Buy 1 get 1 movie ticket
      3. Reward points, 3 points per 150, 2X if spend on HDFC Diners website (for movie, flight, hotel or some utilities), 10x on partner websites, like Uber, Flipkart etc., 2X, if spend is more than 10K per cycle.
      4. 1 reward point = Rs. 0.75

  • Hi Mani,

    I am planning to get my first credit card, my normal usage will be online shopping,purchase,travel tickets,Bill Payments(EB Bill,Etc)

    For this year I am planning to use a credit card.

    Can you help?

      • Hi Mani,

        This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.

      • hi mani,

        This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.

  • hi mani
    can you please suggest me in these two credit card(citi platinum,hdfc moneyback) which one is best comparing all the field..

  • HI Mani

    I have an AMEX MMT and A HSBC Platinum Visa Card.

    I Want to go for a Credit Card which offers great travel benefits.

    The benefits exclusively on booking flights and travel.

    Can u help me with some names.

  • I have gone through your blog.Its really great information for Credit card users. Currently I am using, HDFC-All Miles Credit Card, Citi Bank- Rewards Credit Card and SBI Gold Card. Just wanted to know that can I use this card in overseas, if so, what will be the charges or Do I need to activate for International usage. Or can I use the In-country specific credit card? Expecting your valuable advise on this. Thanks in advance

  • Hi Mani,
    This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.

    • Bhumi, if it is your first, I would suggest ICICI Instant Platinum Credit Card. It’s easier to get and builds your profile there on.

  • Hi Mani

    My salary account is in ICICI. I will be using the credit card regularly for official and personal transactions ( Bills payments , travel booking, shopping etc) . Presently using Standard charted Super value credit card which has cash back for money spent on fuel, utility etc and wavier in annual fee is also applicable if spent over 1.5 lakh/annum which i do in 3-4 months. Need one more card like the same where I can get benefits for all transactions. Even ok for some small Annual fee if I get good benefits. Pls advise.

  • HI Mani,
    I am using HDFC ALL Miles card but their customer support is pathetic. They dont provide support whenever required.
    I would like to take your advice on KOTAK ROYALE Credit Card. I am a very frequent user and use the card during Travelling, Movies and Cashbacks.
    Please Suggest.
    Thanks in advance

  • Hello mr. mani how are you?
    I am going to be a new credit card user.My normal usages will be train tickets,flight tickets,booking movies tickets,fuel,shopping(not so often).can you suggest me which credit card will be suitable for me?

    Thanks

  • Hey
    I work outside India and i need card to buy tickets as well do international shopping and fees payment. my salary account is in SBI. Which card either credit or TM will be good for me?

  • Hello Mani ;
    I want a credit card on fix deposit I have only 30000. Pls suggest which was good to start up with having no joining fees and no annual fees. Having maximum credit limit with good joining offers

  • I just got a job and planning to have a credit card, it will be my first card. Please suggest which one is suitable for me.

  • Hey Mani,
    Been on your blog for a couple of days now… However even after scouting over so many options.. still unable to make a decision.

    If I may.. This is why i’m looking for a card :-

    – Increase / Maintain CIBIL Reputation. ( It’ll be my first card )
    – Shop on BigBazaar, Online Retailers, Ecommerce Website, Pay Utility Bills.
    – Access to Travel Lounge
    – Travel and Movie discounts / offers
    – Swap rewards and low interest rate on EMI conversions.

    I’m confused between Reward Points and Cashback cards…

    I’ve shorlisted CitiBank Rewards Card, Standard Chartered Platinum Rewards, Landmark Rewards, Bajaj Finserv, HSBC, SBI but no Idea on what to choose.

    • Hi Paramveer,

      If it’s your first card, I will recommend getting a secure credit card for a small amount so you can start with small payments and build your credit history. Once you have a decent history and score, it will be easier for your to go for a better card that has the features you requested (like CitiBank Rewards Card).

    • New American Express®MakeMyTrip Credit Card is a good one if you use MakeMyTrip regularly. Also HSBC Visa Platinum Credit Card is a great option.

    • HI mani,
      My name is Dhananajay(23)from mumbai ihave recently got a job and i want to buy credit card for normal uses like shopping,and dininig outside .Please suggest best credit card with no annual fee

  • Hi, currently I m in UAE, and have CITI premier mile credit card, use this very frequently, payment made always on time. Frequent traveler in India and overseas. Planning to return back to India for good, what security I need to provide to have one card from CITI India too.

    • Hi Mahadeo, I’m sure they’ll just need your PAN card, Salary documents and the regular ID documents. Let me know if it goes through.

  • Hi, I have recently got HDFC diners club card just before 1 month ago. Also i got icici platinum card just now. But i applied for citi bank rewards credit card, which was not processed due to less CIBIL score. Is there any other card which is similar to citibank rewards card in terms of benefits. I couldn’t get this card just because of CIBIL score. So please let me know such card which does not require more consideration of CIBIL. As i am holding hdfc card since 1 month.

    • Amit, I would suggest waiting for some time until your CIBIL score replenishes to apply for another card.

  • Hi Mani,

    I read your blog describing different types of credit cards. Its really great information. However, my requirement is specifically for travel credit card. I saw Citi primer miles card and HDFC jet privilige cards. Both looked fine to me, yet I am not able to decide which one would be a better card. Can you help?

    • Shweta,

      I would suggest Citi Primer miles. Citibank Platinum, Yatra SBI are also good options for travel.

    • Satinder, New American Express MakeMyTrip Credit Card and Citibank Rewards Card are two good options for you. Check the details in the table above.

  • I am planning to get my first credit card, my normal usage will be fuel and utilities bill to a tune of around 6K a month
    For this year I am planning to use a credit card to buy airline tickets worth 60,000?
    What would you recommend?

    • I would recommend either the Citibank Rewards card OR the HDFC bank Moneyback card, Sahil. All the best.

  • Hi Mani,
    Which is the best credit card for cash back. I know there was a credit card which citi used to provided had 35% cash back means, if you shop for 1 RS then you will get 0.35 paise cashback. It is possible to get that card. Thanks!!

    • Hi Ravider,

      I have the list of best cashback credit cards in India here – http://news.manikarthik.com/shopping-cashback-credit-cards-india/money/
      Do check it out!

    • Swati,

      All the five cashback and rewards cards mentioned in the table above are good candidates, but I would suggest HDFC Bank MoneyBack Card out of them. If you use MakeMyTrip a lot, then American Express MakeMyTrip card is a good option but if you book tickets at multiple sources, then it may not be of any help.

  • Mani, which is the best cash back credit card in India?
    Also, do you recommend getting Snapdeal’s credit cards?

Who is Mani Karthik?

I started this while in Los Angeles, USA. Having lived in USA, India and UAE, I share everything that I’ve learnt in life. From spirituality to personal finance and everything in between. Come join my pursuit to happiness! Here’s more about me and how I make money blogging.

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