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, we will discuss the following credit cards (also check out the comparison table and scroll down for some wisdom in the comments area).

Can't Find Your Credit Card? Search Here

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

  1. ICICI Instant Platinum
  2. Standard Chartered Platinum Rewards
  3. Standard Chartered Inner Circle Titanium
  4. Indian oil Titanium Citibank Credit Card
  5. SBI Gold
  6. Yatra SBI Credit Card
  7. HDFC Platinum Plus
  8. HDFC Solitaire
  9. IRCTC SBI Card

Also, check out my entire collection of credit card reviews here > In depth credit card reviews of all credit cards in India

Which are the best Credit Cards in India?

Here is a list of top credit cards that currently are available. (This is manually curated by me, not based off some fancy algorithm.) Jump to comments for a lot of wisdom and inputs from readers like you. Feel free to ask your questions or share you opinion about any cards mentioned here. Be brutally honest. No sugar coating!

More Cards Here

Also check out these credit card reviews – HDFC Credit Cards | Axis Bank Credit Cards | Standard Chartered Credit Cards | Citibank Credit Cards | SBI Credit Cards | Kotak Mahindra Credit Cards

1. ICICI Instant Platinum Credit Card – Good For Shopping

Top_Credit_Cards_in_India_ICICI Instant Platinum Credit Card

Features

– This credit card is meant 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 20,000 Rupees 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
– It cannot be issued to minors and foreign nationals

Advantages

– Ideal credit card for shopping.
– There is no joining fee or Annual fee for ICICI Instant Platinum Credit Card.
– Subscribers of this card can avail Rs 200 off on movie tickets every month.
– 15% discount at leading restaurants
– Points collected can be used redeem attractive gifts from specified centers.

Disadvantages

– The monthly fee is on the higher end but the card does offer some attractive deals.

Related: Check out Citibank Cashback Card’s Review.

2. Standard Chartered Platinum Rewards Credit Card

Standard Chartered Platinum Rewards Credit Card

– Entry fee is Rs 399 and the first year you don’t incur any annual charges. But the second year you have to pay Rs 750 as renewal charges.
– Person applying for this card must earn a monthly income of 25000 Rs per month.

Advantages

– Customers can avail 5 points for every Rs 150 spent at specified dining restaurants.
– Avail 5 points for Rs 150 spent on fuel.
– Earn 5 reward points for every Rs.150 spent at hotels.
– No entry or annual charges if this credit card is applied online.
– You can also get 1500 reward points after first five transactions.
– This is a good credit card for people who dine out often.
– This is also a good credit card for corporates/companies who can give this card to employees who’d like to put their expenses on the card.

Disadvantages

– Monthly interest is 3.1% and annual interest is 37.20%.Interest rate is slightly on the higher end. But if the outstanding amount is paid the same month no interest is charged.

Apply Here

Related reading: Best Credit Cards from Standard Chartered Bank

3. Standard Chartered Inner Circle Titanium Credit Card

Standard Chartered Platinum Rewards Credit Card

Features

– Subscribers of this card get a discount voucher for Rs 2500.
– There is no admission fee and annual charges for this card.
– There is a 5% cash back at Auchan Stores.
– Points gathered can be redeemed at Lifestyle stores.

Advantages

– Standard Chartered is globally accepted so you can shop freely at your convenience.
– Card payments can be made wither online or even at cheque collection boxes
– The Standard Chartered Inner Circle Platinum Credit Card can also be used to purchase railway and airline tickets.

Disadvantages

– Monthly interest is 3.1% and annual interest is 37.20%.Interest rate is slightly on the higher end. But if the outstanding amount is paid the same month no interest is charged.

Apply Here

Related reading: Best Credit Cards from State Bank of India 

4. Citibank Platinum Credit Card – Good Credit Card for Travel

Citibank Platinum Credit Card

Features

– 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.

Advantages

– There is no joining fee or annual charges for this card.
– You can find out the rewards earned for your card by sending a sms to REWARDS XXXX to 52484*. XXXX denotes the last digits of your credit card number.

Disadvantages

– The interest rate is 3.25% per month and the annual rate is 39.00%. So if payment is not met in time you will end up paying high interests.

More Details

Related reading: Top Credit Cards from Axis Bank

5. Indian oil Titanium Citibank Credit Card

Features

– 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 earn 4 points for purchase of Rs 150 from establishments like Amazon, book my show, jabong.com, Samsung, myntra and many more.
– You can get 2 Turbo Points on every Rs.150 spent at groceries and supermarkets

Advantages

– There is no annual fee to be paid if you spent Rs 30000 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
– You can check your points by sending a sms to REWARDS XXXX’ to 52484. XXXX denotes the last digits of your credit card number.

Disadvantages

– Interest rate is 3.25%per month and the annual rate is 39%
– Cash withdrawal of Rs 300 can be drawn from ATM but it will be subject to an interest rate of 2%.

More Details

Related reading: Top Credit Cards from CitiBank

6. SBI Gold Credit Card – Good card for paying utility bills

SBI Gold Credit Card

Features

– SBI Gold card provides you the privilege of meeting all your utility bills like electricity, insurance, telephone conveniently.
– Flexi pay option allows you make payments in simple installments on a monthly basis.
– E-statements will sent to your email account and the credit card status can be known form the mobile alerts.

Advantages

SBI Gold Card is accepted worldwide and can be used in over 24 million outlets.
– You can withdraw cash at VISA/MasterCard ATMs. You can withdraw 2.5% of withdrawal amount or 300/- (WIH) per transaction.
– You can book your railway or airline tickets online or at the counter using SBI Gold Card.
– Bill payments can be done online but you can also opt for cheque drop box facility.To locate nearest drop box you can sms “PIN” < space > your 6 digit pin code xxxxxx to 56767 and it send you list of nearby places where it is located.
– Good credit card for paying bills on a regular basis.

Disadvantages

– The SBI Gold card has a joining fee of 299 Rs and an annual charge of 299 Rs.
– Interest is 3.35% per month and annual charges is 40.2%.
– Cheque pick up charges is Rs 90 and for cheque dishonor the fee is Rs 350 and can go up to Rs 500.
– Card replacement will cost Rs 100.

More Details

Related reading: Credit Cards from ING Vysya Bank

7. Yatra SBI Credit Card – Good for Travel, Bill payments

Yatra SBI Credit Card

Features

– SBI Yatra card is an international card that gives you many benefits.On joining you get a travel voucher Rs. 8,250 from Yatra.com
– It allows you to meet all your utility bills like electricity, insurance, telephone conveniently.
– Flexi pay option allows you make payments in simple installments on a monthly basis.
– E-statements will sent to your email account and the credit card status can be known form the mobile alerts.

Advantages

– You can earn 6x Points on making purchasing at Yatra.com or grocery stores using this card.
– You can redeem your points to purchase vouchers from Yatra.com
– You earn 6x Bonus Points on tickets purchased from Yatra.com
– Yatra SBI card also gives access to premium MasterCard airport lounges in India.
– Bill payments can be done online but you can also opt for cheque drop box facility.To locate nearest drop box you can sms “PIN” < space > your 6 digit pin code xxxxxx to 56767 and it send you list of nearby places where it is located.
– You can avail fuel surcharge waiver of Rs 100 every month.But to avail this you have to purchase fuel between Rs. 500 and Rs. 3000 every time per transaction.

More Details

Related reading: Top Credit Cards from HDFC Bank

Disadvantages

– Yatra SBI card has a joining fee of 499 and annual charge of 499.
– Interest is 3.35% per month and annual charges is 40.2%.
– Cheque pick up charges is Rs 90 and for cheque dishonor the fee is Rs 350 and can go up to Rs 500.
– Card replacement will cost Rs 100

8. HDFC Platinum Plus Credit Card

HDFC Platinum Plus Credit Card

Features

– 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.

Advantages

– 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

Disadvantage

– 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

Features

– 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.

Benefits

– 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.

Disadvantages

– 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. IRCTC SBI Card

Features

– This card is designed exclusively for train travelers and is issued by Indian Railway Catering and Tourism Corporation Limited
– You earn 1 point for every Rs 125 spent.
– IRCTC SBI Card is accepted worldwide.
– All utility bills like telephone, electricity can be met through the IRCTC SBI Card

Advantages

– Subscribers of this card earn up to 10% Value Back on AC1,AC2, AC CC booking as Reward Points for your ticket purchases
– You can book your railway ticket with this card from the comfort of your own home.
– On spending Rs 500 or more within 45 days of issuing card you can gain up to 350 Activation Bonus Reward Points.

Disadvantages

– There is a joining fee of Rs 500 and an annual fee of Rs 300 for this card
– Interest is 3.35% per month and 40.2% per annum.
– Cheque pick up charges is Rs 90 and card replacement will cost Rs 100.

More Details

Best Cashback & Shopping Credit Cards in India

Shopping Credit Cards are specialized credit cards offering numerous features that rewards you for shopping more. They pay you back, points every time you shop with them. Some of them have no annual fees while some do. It is important that you find out which credit card works for you before selecting one. I wouldn’t recommend going by the most popular one in the market – unless it fits for your usage.

Let’s check out some credit cards for shopping in India.

1.  Citibank Rewards Card

Citibank Rewards Shopping Credit Card India

The good news is that there is no annual fee for this card and it is a shopping and cashback reward type credit card.

Advantages

– For activation, you get 1500 points , for cards booked before January 31, 2015.
– Enjoy 10x Reward Points on spends at Apparel & Department Stores.
– Earn 1 Reward Point for every 125 spent anywhere else.
– Redeem rewards instantly across 600+ stores.
– No annual card fees.
– This is an international Credit card & can be used in India and abroad while traveling.
– A good credit card for travelers and frequent shoppers.
– Great customer service.
– Easy to get an account.

More Details

2.  Citibank Cashback Card

This credit card from Citibank is for people who do a lot of shopping, movie watching and bill payments to name a few. A credit card for the normal urban city dweller. It has an excellent rewards and cashback (up to 5%) scheme and is well accepted.

Advantages

– 5% cash back on all your movie ticket and telephone bill payments.
– 5% cash back on all bill payments made through Citibank Billpay.
– 0.5% cash back on every swipe across all other purchases.
– Hassle free automatic redemption of cash back in multiples of Rs. 500.
– Can be used in India and abroad.
– Perfect card for folks who live in the cities with an urban lifestyle.

More Details

3. HDFC Bank MoneyBack Card

If you’re looking for a credit card that you can use for daily shopping & earn money for everyday expense, then this is a good credit card for you.  HDFC Bank MoneyBack Credit Card gives cash back on almost all day-to-day purchases. If you’re an excessive (or moderate) shopper who purchases almost any daily stuff with credit cards, then this card will help you save more money as you go. Much recommended!

Advantages

– Cash Back reward points on daily shopping items (100 Reward Points = Rs 40)
– Get 2 Reward Points on every Rs 150 spent for all retail purchases
– Get 3 X Reward Points on all online purchases
– 2.5 % Fuel surcharge waived off on all fuel spends
– Rs.250 cashback for minimum first transaction of Rs.1000 in first 45 days from card setup date
– 5X Reward Points for first 3 months from card setup date
– Rs.200 BookMyShow voucher (one time use only)

More Details

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.

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.

Can't Find Your Credit Card? Search Here

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. This blog is read today, by more than 150K people world over! I currently live in LA, California and visit India occasionally. Here's my full story. Connect with me on FacebookInstagram, Twitter or WhatsApp (+001-408-489-4785). Happy to help! :)

89 Comments

Click here to post a comment

  • 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

  • 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 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 ?

      • 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.

  • 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.

  • 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?

  • 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
    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.

  • 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).

    • 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, 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.

  • 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?

  • 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?

  • 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!!

    • 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?

Shall I send you updates?

 

I'll send you tips on getting richer, happier and smarter!

It will help you become a better person. Guaranteed! 

You can stop it anytime if you didn't like it.

Congrats! You are in. Look out for an email from me.