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Top 5 Best Credit Cards in India 2023

Here is the list of Top 5 best credit cards in India in the year 2023.

  1. SBI Card Prime: This card offers a wide range of features such as cashback on dining, fuel, and grocery purchases, as well as air miles and complimentary access to airport lounges.
  2. HDFC Bank Regalia First: This card offers a high reward rate on dining and fuel purchases, as well as complimentary access to airport lounges and free movie tickets.
  3. ICICI Bank Rubyx Visa: This card offers a high reward rate on dining and fuel purchases, as well as free movie tickets and complimentary access to airport lounges.
  4. Citibank PremierMiles: This card offers a wide range of travel benefits such as air miles, complimentary access to airport lounges, and discounts on hotel bookings.
  5. Axis Bank Vistara Infinite: This card offers a high reward rate on Vistara flights, as well as complimentary access to airport lounges and free movie tickets.

SBI Card Prime:

SBI Card Prime is a premium credit card offered by the State Bank of India (SBI) in partnership with Visa. It offers a wide range of features and benefits to cardholders, including:

  • High reward rate on dining, fuel, and grocery purchases: Cardholders can earn up to 10 reward points for every Rs. 100 spent on dining, fuel, and grocery purchases.
  • Air miles: Cardholders can earn miles on SBI Card Prime for every transaction, which can be redeemed for flights, hotels, and other travel-related expenses.
  • Complimentary access to airport lounges: Cardholders can access select airport lounges across India with the complimentary Priority Pass Membership.
  • Zero lost card liability: SBI Card Prime offers zero liability on the lost cards, which means that cardholders will not be held responsible for any fraudulent transactions on a lost card.
  • Shopping and lifestyle benefits: Cardholders can enjoy discounts and offers on shopping, travel, and lifestyle-related purchases.
  • 24/7 customer service: SBI Card Prime offers 24/7 customer service to assist cardholders with any queries or concerns.

Eligibility:

  • The applicant should be at least 21 years of age and have a steady income.
  • The applicant should have a good credit score.

Fees:

  • Annual Fee: Rs. 4,999 (can be waived off on spending of Rs. 5 Lakhs in the previous year)
  • Joining Fee: Rs. 4,999 (waived off on the payment of the annual fee)

The SBI Card Prime is a good option for those who frequently dine out, fill up fuel, and make grocery purchases. The high reward rate and other benefits make this card a great option for those who are looking for a premium credit card.

HDFC Bank Regalia First:

HDFC Bank Regalia First is a premium credit card offered by HDFC Bank. It offers a range of features and benefits to cardholders, including:

  • High reward rate on dining and fuel purchases: Cardholders can earn up to 15 reward points for every Rs. 150 spent on dining and fuel purchases.
  • Complimentary access to airport lounges: Cardholders can access select airport lounges across India with the complimentary Priority Pass Membership.
  • Free movie tickets: Cardholders can get 2 free movie tickets every month via BookMyShow.
  • Zero lost card liability: HDFC Bank Regalia First offers zero liability on lost cards, which means that cardholders will not be held responsible for any fraudulent transactions on a lost card.
  • Shopping and lifestyle benefits: Cardholders can enjoy discounts and offers on shopping, travel, and lifestyle-related purchases.
  • 24/7 customer service: HDFC Bank Regalia First offers 24/7 customer service to assist cardholders with any queries or concerns.

Eligibility:

  • The applicant should be at least 21 years of age and have a steady income.
  • The applicant should have a good credit score.

Fees:

  • Annual Fee: Rs. 5,000 (can be waived off on spending of Rs. 4 Lakhs in the previous year)
  • Joining Fee: Rs. 5,000 (waived off on the payment of the annual fee)

The HDFC Bank Regalia First is a good option for those who frequently dine out, fill up fuel, and look for free movie tickets. The high reward rate and other benefits make this card a great option for those who are looking for a premium credit card.

ICICI Bank Rubyx Visa:

ICICI Bank Rubyx Visa is a premium credit card offered by ICICI Bank. It offers a range of features and benefits to cardholders, including:

  • High reward rate on dining and fuel purchases: Cardholders can earn up to 10 reward points for every Rs. 100 spent on dining and fuel purchases.
  • Complimentary access to airport lounges: Cardholders can access select airport lounges across India with the complimentary Priority Pass Membership.
  • Free movie tickets: Cardholders can get 2 free movie tickets every month via BookMyShow.
  • Zero lost card liability: ICICI Bank Rubyx Visa offers zero liability on the lost cards, which means that cardholders will not be held responsible for any fraudulent transactions on a lost card.
  • Shopping and lifestyle benefits: Cardholders can enjoy discounts and offers on shopping, travel, and lifestyle-related purchases.
  • 24/7 customer service: ICICI Bank Rubyx Visa offers 24/7 customer service to assist cardholders with any queries or concerns.

Eligibility:

  • The applicant should be at least 21 years of age and have a steady income.
  • The applicant should have a good credit score.

Fees:

  • Annual Fee: Rs. 5,000 (can be waived off on spending of Rs. 4 Lakhs in the previous year)
  • Joining Fee: Rs. 5,000 (waived off on the payment of the annual fee)

The ICICI Bank Rubyx Visa is a good option for those who frequently dine out, fill up fuel, and look for free movie tickets. The high reward rate and other benefits make this card a great option for those who are looking for a premium credit card.

Citibank PremierMiles:

Citibank PremierMiles is a travel credit card offered by Citibank in India. It offers a range of features and benefits to cardholders, including:

  • Air Miles: Cardholders can earn miles on Citibank PremierMiles for every transaction, which can be redeemed for flights, hotels, and other travel-related expenses.
  • Complimentary access to airport lounges: Cardholders can access select airport lounges across India with the complimentary Priority Pass Membership.
  • Discounts on hotel bookings: Cardholders can enjoy discounts on hotel bookings made through the PremierMiles website.
  • Zero lost card liability: Citibank PremierMiles offers zero liability on lost card, which means that cardholders will not be held responsible for any fraudulent transactions on a lost card.
  • Shopping and lifestyle benefits: Cardholders can enjoy discounts and offers on shopping, travel, and lifestyle-related purchases.
  • 24/7 customer service: Citibank PremierMiles offers 24/7 customer service to assist cardholders with any queries or concerns.

Eligibility:

  • The applicant should be at least 21 years of age and have a steady income.
  • The applicant should have a good credit score.

Fees:

  • Annual Fee: Rs. 3,000 (can be waived off on spending of Rs. 2 Lakhs in the previous year)
  • Joining Fee: Rs. 3,000 (waived off on the payment of the annual fee)

Citibank PremierMiles is a good option for those who frequently travel and looking for air miles as a reward. The complimentary access to airport lounges, discounts on hotel bookings, and other benefits make this card a great option for those who are looking for a travel credit card.

Axis Bank Vistara Infinite:

Axis Bank Vistara Infinite is a premium credit card offered by Axis Bank in partnership with Vistara, an Indian airline. It offers a range of features and benefits to cardholders, including:

  • High reward rate on Vistara flights: Cardholders can earn up to 10 reward points for every Rs. 100 spent on Vistara flights.
  • Complimentary access to airport lounges: Cardholders can access select airport lounges across India with the complimentary Priority Pass Membership.
  • Free movie tickets: Cardholders can get 2 free movie tickets every month via BookMyShow.
  • Zero lost card liability: Axis Bank Vistara Infinite offers zero liability on lost card, which means that cardholders will not be held responsible for any fraudulent transactions on a lost card.
  • Shopping and lifestyle benefits: Cardholders can enjoy discounts and offers on shopping, travel, and lifestyle-related purchases.
  • 24/7 customer service: Axis Bank Vistara Infinite offers 24/7 customer service to assist cardholders with any queries or concerns.

Eligibility:

  • The applicant should be at least 21 years of age and have a steady income.
  • The applicant should have a good credit score.

Fees:

  • Annual Fee: Rs. 5,000 (can be waived off on spending of Rs. 4 Lakhs in the previous year)
  • Joining Fee: Rs. 5,000 (waived off on the payment of annual fee)

The Axis Bank Vistara Infinite is a good option for those who frequently travel with Vistara airline and looking for free movie tickets. The high reward rate and other benefits make this card a great option for those who are looking for a premium credit card that cater their traveling need.

Rakesh Sudheesan
Rakesh Sudheesan
Founder/Editor/Journalist at Mixindia.com
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