10 Best Credit Cards in India

Best Credit Cards

Just like you, I’m a big fan of credit cards. Why?


If you figure out how credit cards work and how to manage credit, you can get a lot of leverage financially.

We’re talking cashback discounts, special discounts at restaurants, discount vouchers at top hotels, airfare discounts, access to clubs and the like.

Of course, if you don’t know how to use a credit card, then you’re treading difficult terrains.

Basically, more bang for your buck!

That’s why you will see rich folks carrying more than one credit card. They have one for each use (shopping, travel etc).

MK Money Tips

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.)

A credit card is the most convenient mode to make a payment today, 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. 

Best Lifestyle Credit Cards in India

Lifestyle Credit Cards

Lifestyle credit cards are probably the most popular type of credit cards in India. They are best suited for “general purchases” or “all kinds of purchases” and earn you benefits.

Why choose a lifestyle credit card?

  • If you’re looking for an all-rounder card that covers all purchases.
  • If you’re getting a credit card for the first time.
  • If you have an income of INR 6 Lakhs and above yearly.

Which are the best lifestyle credit cards in India?

  1. ICICI Platinum
  2. SBI Prime
  3. SBI Simply Click
  4. American Express Rewards Card
  5. HDFC Regalia First
  6. Standard Chartered Manhattan

1. ICICI Platinum Chip

ICICI Platinum Chip Credit Card
What's good
Good rewards program, fuel surcharge waivers, good number of participating restaurants, low annual fee & charges.

What's concerning
No lounge access, high interest rate.

An overall good lifestyle card with over 15% savings on dining purchases.
If you have a decent credit score, and you’re getting your first credit card, this is a good choice.

2. SBI Prime

SBI Prime Credit Card

What's good
Great rewards program, lounge access, Club Vistara membership.

What's concerning
Annual/Renewal fee.

If you’ll spend more than 3 Lakh Rupees per year, this is a great credit card to have. Why? It has renewal fee waived off for spend over Rs. 3 Lakhs.

3. SBI Simply Click

SBI Simply Click Credit Card

What's good
Great for online purchases, BookMyShow vouchers.

What's concerning
No lounge access, Low credit limit.

If you do a lot of online purchases, then this is the best card for you. SBI Simply Click is probably one of the best lifestyle cards out there.

4. American Express Rewards Card

American Express Rewards Card

What's good
Membership rewards, EMI Options.

What's concerning
Eligibility is strict.

This card is your best to get into the amazing world of American Express (which has a lot of amazing credit cards). If you want n Amex credit card that can take care of your daily purchases, this is it.

5. HDFC Regalia First

HDFC Regalia Credit Card

What's good
No joining fees, great participating merchants list, good rewards program.

What's concerning
Eligibility might prove difficult.

6. Standard Chartered Manhattan

Standard Chartered Manhattan Credit Card

What's good
Good for saving cash on Uber rides.

What's concerning
Thin line of other merchants participating.

HDFC has some of the best selection when it comes to credit cards in India. And the Regalia card is the best. No wonder it’s the most sought after one by credit card enthusiasts. With top-class benefits and a well-balanced feature set, this is a must-have in every credit card enthusiast’s wallet.

The Manhattan card is a good lifestyle card for anyone looking to cover day-to-day expenses. This card is the only credit card that will save you a lot of money on cab rides (Uber) as well.

Best Travel Credit Cards in India

Travel Credit Cards

Travel credit cards are best for those who travel a lot both domestic and international, and would like to make the most of their money through rewards and benefits.

Why choose a travel credit card?

  • If you travel a lot. Obviously.
  • If you don’t have a dedicated travel credit card.
  • If you want benefits/rewards for traveling more.

Which are the best travel credit cards in India?

  1. Amex Platinum Travel Card
  2. ICICI MakeMyTrip Card
  3. SBI IRCTC Card
  4. Citi Premier Miles
  5. HDFC Infinia Card

1. Amex Platinum Travel Card

Amex Platinum Travel Card

What's good
Amazing rewards, lounge access, hotel stays & vouchers.

What's concerning
Annual spend of min Rs.4 lakhs required for keeping benefits.

Probably one of the best travel credit cards in India, the Amex Platinum Travel card comes with plenty of benefits for the frequent traveler in India. Like vouchers worth Rs.7,700 that covers domestic travel and even Taj hotel stays worth Rs.10,000. It even gives you free membership to Priority Pass membership with the joining fee waived off.

2. ICICI MakeMyTrip Card

ICICI MakeMyTrip Card

What's good
Good benefits for domestic travelers including airport & railway lounge access.

What's concerning
Inclined heavily for domestic use.

I’ll be honest. This is not the “best travel card”. It’s a travel card, that’s it. Kudos to MakeMyTrip for coming up with it though. It comes with features such as discount vouchers to Lemon Tree hotels and Railway and Airport lounge access. It may not for everyone though.



What's good
Great for excessive Indian railway user.

What's concerning
Good for nothing else.

If you’re a frequent traveler on trains in India, then this is a must-have credit card. It gives you up to 10% discount on railway ticket purchases through IRCTC.

4. Citi Premier Miles Card

Citi Premier Miles Card

What's good
Good loyalty program for airlines, MakeMyTrip & hotels.

What's concerning
Renewal fees.

The Citi Premier Miles card is essentially a rewards card that can earn you miles/points on each purchase. Comes with it also, features such as airport lounge access and discounts at hotels and restaurants.

5. AXIS Bank Miles & More World Credit Card

What's good
Earn unlimited miles.

What's concerning
High joining fee, renewal fee.

Honestly, this is a neat (not awesome) credit card from Axis bank. Comes with complimentary Priority Pass membership, free lounge access, complimentary travel insurance and more.

Best Premium Credit Cards in India

Premium credit cards are intended for high income individuals (high networth individuals) offering benefits and rewards suiting their lifestyle.

Why choose a premium credit card?

  • If you are a high net worth individual.
  • If your income is more than 25 Lakh Rupees annually.
  • If you run into limitations using other credit cards.
  • If you have a luxurious lifestyle.

Which are the best premium credit cards in India?

  1. Amex Platinum
  2. HDFC Infinia
  3. HDFC Diner’s Black
  4. Standard Chartered Ultimate
  5. Citi Prestige
  6. ICICI Emeralde
  7. SBI Elite

1. Amex Platinum

What's good
Amazing benefits for luxury international travelers.

What's concerning
High renewal fees.

This is the gold standard. Amex Platinum is a premium card for high networth individuals who do a lot of luxury travel. It comes with loads of benefits like air travel miles rewards, concierge services, luxury hotel vouchers, golf course access and the like.

2. HDFC Infinia

What's good
Amazing rewards program, no credit limit, unlimited lounge access.

What's concerning
Annual Fee, Eligibility.

Another most-wished-for credit card from the HDFC stable. This card comes with envious benefits from some of the most popular retail merchants in India. With a best-in-class rewards program, this card gives you access to some of the best luxury hotel chains in India.

3. HDFC Diners Black

What's good
Amazing rewards program, high credit limit, unlimited lounge access.

What's concerning
Low acceptance in India.

Celebrated as one of the best credit cards in India, HDFC Diners Black is kind of a hit and miss in India. It has an excellent rewards program to its merit but its low acceptance rate in India is a bit of a problem.

4. Standard Chartered Ultimate

What's good
Great benefits for high net worth individuals.

What's concerning
Limited lounge access, high fees.

Probably one of the best-designed credit cards in India. As for features, probably not that great but attractive to high net worth individuals or anyone with a luxurious lifestyle.

5. Citi Prestige

What's good
Amazing benefits outside India, suitable for international travelers.

What's concerning

This card comes with a great reward rate (like some of the other counterparts in this section). And the features and benefits are amazing for international travelers. It has a wide network of partners (international) like hotel chains and is probably the best in this category.

6. ICICI Emeralde

What's good
Good for selected features like BookMyShow tickets, Spa access etc.

What's concerning
Low rewards, limited benefits.

With that design, it definitely will feel good holding the card in your hand. This card has some amazing benefits in terms of domestic partner coverage in India. As for rewards program, not so great!

7. SBI Elite

What's good
Good for high spenders in India, BookMyShow vouchers, Lounge access.

What's concerning
Entry level premium card.

Probably one of the best cards for movie buffs, this card has free Rs.500 worth movie tickets every month. Not quite premium-premium, but I think it is worth having this card on the list, considering the number of movie-buffs India has.

Conclusion – Which is the best credit card in India?

So, here’s the thing guys.

There is no one best card. I admit it.

Lot of folks come asking me what’s the best card, and that’s like asking how much money is enough?

IMO, one has to choose the right card based on their lifestyle and usage.

For example, if you’re a frequent international traveler, choose a card like the Amex Travel card that gives a lot of benefits on international trips.

But if you’re an online shopaholic, then choose a card like SBI Simply Click – that gives lot of benefits and perks for online purchases.

So, you get the rift.

Figure out what your life is like, what your expenses are like and where you need benefits, and choose a card accordingly.

What works for me, may not work for another person.


Like my blog?
I’ve been blogging for the last ten years and make Rs.2 Lakh+ per month!!
If you’d like to know how, join my free club.

Learn how to make money blogging

Also, check out my YouTube channel here.

Mani Karthik YouTube ChannelRock n’ roll! 💪😊 


About the author

Mani Karthik

In my pursuit of happiness, I share everything I've learned, on this blog. From productivity to spirituality and everything in between. I quit my cozy job in the USA to pursue my passion - blogging. Today, I make five times what my US job paid. More than the money, I love the freedom it gives me to make my own choices. Come join me. Start blogging! :) WhatsApp : +0014084894785


Click here to post a comment
  • 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.


  • 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



  • 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 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 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.

  • 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 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.



  • 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.


  • 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) ?

  • 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 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 ?

  • 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.

  • 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?


  • 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
    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.


  • 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.

  • 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

  • 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.

  • 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
    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
    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 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 Mani,

    I want to purchase AC and TV. Please suggest me which card is the best to purchase

  • 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 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,
    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.

  • 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.

  • 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?


  • hi i am using sbi and hdfc cards i need more credit cards what to do i am living in vijayawada

  • 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.

  • 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).

  • 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 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

  • 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. I already have Citi Premier miles. I am frequent flyer. Need another credit card. Pl. guide.

  • 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.

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

  • 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.

  • Can you judge Icici rubyx card? I got one and i have no idea upon benefits.

  • 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!!

  • I travel often and Need discount on Hotel stays. So which credit card I should go for?

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

Mani Karthik

How to earn 2 Lakh/month

I’ve been blogging for more than 10 years
and make more than 2 Lakh+ Rs/month.
If you’d like to know how, here are the details.