Best Credit Cards in India 2018: Now a days credit cards are become an essential part of middle class & upper middle class families in India. Everyone want to live their own way in different needs and expenses. With the online shopping boom the need for credit cards increased and so each and every banks launched different types of credit cards to satisfy their customers. In this article I will help you to choose a credit card suited for you from the list of top 11 best credit cards in India given below.
Table of Contents
Best Credit Card in India for the year 2018:
1.Standard Chartered Platinum Reward Card
With Standard Chartered Platinum Card you will be able to enjoy the benefit of extra reward points on dining and fuel spends. Earn 5 reward points for every INR 150 spent on dining and fuel with no monthly cap on the rewards earned. And earn 1 reward point for every INR 150 spent on all other categories.
Charges & Fee:
Joining Fee : Rs.250
Annual Fee: Rs.250
[The annual fees will be reversed if a transaction is made on the Platinum Rewards Card within the first 90 days post the levy of the annual fees. Reversal will be processed within 60 days following the completion of the period of 90 days.]
Offer: Take an Uber and enjoy 20% cashback on your credit card. Save upto Rs.600 per month till 30th September 2018
Eligibility:
Applicant’s age should be between 21 and 65 years.
Applicant should have a stable monthly income.
Applicant should belong to credit cards sourcing cities / locations of the bank.
All applications are subject to credit and other policy checks of the bank.
2.Standard Chartered SuperValue Titanium Credit Card:
You can save on your monthly expenses with the Super Value Titanium credit card. A credit card that assures you super savings, means you will get 5% cashback on fuel, phone and utility bills and 1 reward point on all other expenses.
- Earn 5% cashback on every INR 150 spent on fuel across all fuel stations up to a maximum of INR 200 per month (max of INR 100 per transaction). Minimum transaction of INR 750.
- Earn 5% cashback on every INR 150 spent on telephone bill payments up to a maximum of INR 200 per month (max of INR 100 per transaction). Minimum transaction of INR 750.
- Earn 5% cashback on every INR 150 spent on utility bill payments up to a maximum of INR 100 per month . Minimum transaction of INR 750.
- Get 1 reward point for every INR 150 when you use your credit card for all other expenses.
Charges & Fee:
Joining Fee : Rs.499
(Special Offer – Spend Rs30,000 in a year and get a waiver on your joining fee (Year 1)*)
Annual Fee (1st year): Nil
Annual Fee (2nd year onwards: Rs.750
(Special Offer -Spend Rs.60,000 in a year and get a waiver on your renewal fee (Year 2 onwards)*)
Special Offers:
Earn BookMyShow vouchers worth Rs. 1000 on Credit Card.
Get an additional 500 reward points on registering for online banking
Enjoy 20% cashback* on Uber rides. Save upto Rs 7,200 annually with this exclusive offer!
3.Indian Oil Citi Platinum Credit Card:
Start earning points with the IndianOil Citi Platinum credit card and enjoy savings when you refuel. This fuel credit card lets you earn on all your spends and not just fuel payments. Earn Turbo Points on all your purchases. Earn more when you use your Card at authorized IndianOil Outlets for fuel purchases.
- 4 Turbo Points on Rs.150 of fuel purchases at authorized IndianOil Retail Outlets across the country.
- 2 Turbo Points on Rs.150 at grocery and supermarkets.
- 1 Turbo Point on Rs.150 spent elsewhere like Shopping, Dining and more.
- Redeem your Turbo Points for free fuel at over 1200+ authorized IndianOil Retail Outlets across the country. 1 Turbo Point gives you Rs.1 of free fuel.
- Redeem instantly at select merchant outlets and online partners.
- Redeem for gift vouchers across major brands.
Charges & Fee:
Joining Fee : Will be communicated at the time of joining
Annual Fee: Rs.0
(when you spend Rs.30,000 or more on your Card in a year. Cardmembers with annual spends of less than Rs.30,000 on their Cards are charged an Annual Fee of Rs.1000.)
Offer:
*Get 250 Turbo Points on your first spend on your IndianOil Citi Platinum Card within 30 days of card issuance. The bonus points will be credited to your card account within 60 days of the transaction date (as defined below)
*Up to 15% savings across participating restaurants with your Citi credit card
*Exciting offers on leading brands across categories with Citi credit cards.
*Choose easy EMI options at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e-retailers.
4.Jet Airways American Express® Platinum Credit Card:
Jet Airways American Express Platinum Credit Card entitles you to exclusive benefits and the highest standard of personalized service that American Express is renowned for, including Platinum Concierge, Zero Lost Card Liability, Supplementary Cards etc.
- Enjoy dedicated check in3 Excess Baggage Waiver3 of 5kg on Jet Airways flights within India.
- Enjoy complimentary membership5 to Priority Pass, with the US$99 annual membership fee waived exclusively for you.
- Split the payment and not the joy. Use your American Express Credit Card for your next big purchase & pay in easy EMI.
- Enjoy 5% discount3 on Base Fare for revenue ticket bookings made on jetairways.com
- Extend your holiday with a complimentary3 3rd/4th night’s stay on booking 2/3 consecutive nights at select properties of Oberoi Hotels & Resorts
- Earn 8 JPMiles for every2 Rs. 150 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions. Also earn 16 JPMiles for every2 Rs. 150 spent for booking revenue tickets on www.jetairways.com
- 8 JPMiles for every Rs. 150 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions
Charges & Fee:
Joining Fee : Rs. 5,000 plus applicable taxes
Annual Fee (Second Year Onwards): Rs. 10,000 plus applicable taxes
Offer:
Get a Welcome Gift2 of 10,000 Bonus JPMiles + one-way complimentary Jet Airways Base Fare Waived Domestic Ticket3 on your first charge.
5.HDFC Bank Diners Club Black Credit Card:
HDFC Bank Diners Club credit card comes with lifestyle benefits including Exclusive 24/7 Concierge Services on Your HDFC Bank Diners Club Credit Card. All your exclusive booking needs will be taken care by the concierge while you enjoy the exciting moments.,Reward redemption, Golf program and many more. HDFC Bank Diners Club Black Credit Card travel benefits includes
- Book Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com
- Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com ( 1 Reward Point = Re. 1 )
- Redeem Reward Point for AirMiles across Jet Airways (JPMiles), or Singapore Airlines (KrisFlyer Miles). 1 Reward Point = 1 AirMile
- Enjoy 10 X Reward Point on International spends
Charges & Fee:
Joining Fee : Rs.10,000 + applicable taxes
Annual Fee (Second Year Onwards): Rs.5,000 + applicable taxes
Offers:
HDFC Diners Club Black Card has 10x Rewards programme just got bigger with exciting brands. Be it travel, shopping, entertainment or groceries, now you have newer ways to earn 10x Reward Points while you use your HDFC Diners Club Credit Card. Offer valid till 31st March, 2018.
HDFC Bank Diners Club Black Regular Reward Points on every Rs. 150 spent is 5.
6.SBI Simply Click Credit Card (2018):
SBI Simply click credit card is intended to those who spend more on online shopping. With SimplyCLICK SBI Card, you get unlimited privileges including Log-in Gift, e-Shopping Rewards, Milestone Rewards, Complete Fuel Freedom, Annual Fee Reversal and Contactless Technology.
- Get Amazon.in gift card worth Rs.500* on joining
- Earn 10X Reward Points on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap/ Zoomcar
- Earn 5X rewards on all other online spends
- e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh
- e-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakhs
- 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
- Spend Rs 1,00,000 and get annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.
- Simply wave your card at a secured reader and your transaction is done
Charges & Fee:
Joining Fee : Rs.499
Annual Fee (Renewal Fee): Rs.499 (Second Year Onwards)
Offers:
*40% off on UrbanClap with SimplyCLICK SBI Card for first time UrbanClap users (Validity: 31st Mar’18)
*Rs.600 off on booking Self-Drive Zoomcar worth Rs.2,500 or more with SimplyCLICK SBI Card (Validity: 31st Dec’17)
7.HDFC Regalia Credit Card (2018):
With HDFC Regalia credit card you will get premium travel and lifestyle privileges and great saving opportunities. This card comes with travel benefits such as Complimentary Airport Lounge Access through Priority Pass Membership, Complimentary Club Vistara Silver membership, Lowest Foreign Currency Mark-up Fee of 2% on international transactions etc.
- Exclusive dining privileges that offer upto 15% discount on dining at premium restaurants across India.
- Use your card to make quick transactions at merchant locations accepting contactless cards
- Earn 4 Reward Points on every Rs. 150 spent and redeem rewards against exclusive lifestyle options
Charges & Fee:
Joining Fee : Rs.2500 + Applicable Tax
Annual Fee (Renewal Fee): Rs. 2500/- + Applicable Taxes
(Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year.)
8.Citi Cashback Credit Card (2018):
With Citibank cashback credit card you will get cash back on all your bill spends. Purchase whatever you want for less with this Cash Back credit card. Plus, enjoy savings, cash rebates and other money saving benefits all year long.
- Simply tap-and-pay at merchant terminals for purchases up to `2000* without entering the PIN
- 5% cash back on movie ticket purchases
- 5% cash back on all your telephone bill payments
- Pay through Citibank Online Bill Pay and get 5% cash back on Utility Bill Payments
- 0.5% Cash Back on all other spends.
- pay the easy way using this contactless card.
- Redemption in multiples of Rs.500.
Charges & Fee:
Joining Fee : communicated at the time of sourcing
Annual Fee (Renewal Fee): Rs. 500
(Annual Fee is billed in the first month statement of card issuance and incrementally every 12 months thereafter.)
9.Axis Bank Neo Credit Card (2018):
Axis bank Neo Credit Card is suitable for online shopping enthusiasts as axis bank offers 100’s of offers on their cards. It has features such as
- Enjoy movies with BookMyShow vouchers
- Shop at Jabong with a welcome gift voucher
- 10% off every time you shop at Myntra on a minimum purchase value of Rs 500
- 10% off on every purchase of a movie ticket on BookMyShow with maximum monthly benefits of upto Rs. 50
- 10% off on every reservation of bus tickets on redBus with maximum monthly benefits of upto Rs. 100
- 10% cashback on mobile recharge through Freecharge mobile app with monthly benefits of upto Rs. 30
- Stay protected with Zero Lost Card Liability
- Convert purchases to EMI on every transaction over Rs.2500.
- 2 points on every Rs. 200 spent on the credit card
Charges & Fee:
Joining Fee : Rs.250 (Waived upon spends of Rs.2500 in 45 days)
Annual Fee (Renewal Fee): Nil (first year)
Annual Fee (Renewal Fee): Rs.250 (second year onwards)
(Annual Fee is billed in the first month statement of card issuance and incrementally every 12 months thereafter.)
10.HDFC AllMiles Credit Card (2018):
With HDFC All Miles credit card you can enjoy reward points on all your spends on ALLMILES website (www.hdfcbankallmiles.com). Enjoy spending on your HDFC Bank AllMiles Credit Card with 3 Reward Points for every Rs. 150 you spend. You can accumulate Reward Points and redeem them for air miles. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
- Fuel Surcharge waiver
- Safe & Secure Transactions
- Zero liability on lost card
- Revolving Credit
- Interest free credit up to 50 days
- Reward points are valid only for 2 years from the date of accumulation.
- Free yourself from annual fee
Charges & Fee:
Joining Fee : Communicated at the time of applying for the Credit Card.
Annual Fee (Renewal Fee): Communicated at the time of applying for the Credit Card.
- Spend Rs. 15,000 within first 90 days from card set up date and get waiver of 1st year membership fee.
- Spend Rs. 1,00,000 in a year and get waiver of next year’s annual membership fee.
11. MoneyTap Credit Card
- 100% cash withdrawal credit card
- Instant funds transfer to your bank account
- 24×7 global money access
- 1+1 Free movie tickets, Fuel surcharge waiver, Value back on shopping, Deals on food.
- Reward points on every transaction
- 2000 rewards points on first swipe
These are the top 11 Best Credit Cards in India in 2018. More cards will be added to the list soon, so visit this page again to know more about the best credit cards in India.