Top 10 Best credit cards in India

Bunty Sharma Credit Card Advisor

when choosing the best credit card, there is no 'one-size-fits-all'. you need to identify your financial needs and narrow your choices by asking the right questions. thus, choosing from a limited pool of options would be easier. in India, the credit card user base in 2019 reached 47 million, and the market is anticipated to increase by more than 25% during 2020-2025. this is mainly because of the ‘buy first and pay later’ attitude prevalent in younger generations.

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1. HDFC's Money Back credit card - best for beginners

if you are new to the world of credit cards, then HDFC's Money Back credit card is the right pick for you. using this card is a great way to start building your credit score while saving money. with its cashback benefits, you will save money for every penny you spend.

2. - HDFC Diners Club Black card - best premium credit card

this credit card is the whole package for high-end spenders with unlimited global lounge access and competitive bonuses. the HDFC Diners Club Black card has a credit limit of ₹4 lakhs, making it the ideal premium credit card.

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3. IndusInd Bank Pioneer Legacy card - best zero annual fee credit card

the IndusInd Bank Pioneer Legacy card has the highest reward rate among all lifetime free credit cards in India. you'll be able to bag a 1% rewards rate on all your weekday expenditures (1 point per ₹100 spent) and an even better 2% on the weekend.

4. SBI Card PRIME - best lifestyle credit card

dubbed as the best credit for utility bill payments, SBI Card PRIME comes with a priority pass for 4 free international and 8 free domestic airport lounge visits.

5. American Express Platinum Travel credit card - best credit card for travel

the American Express Platinum Travel credit card is the perfect pick for a frequent traveler. along with complimentary lounge access, this card offers additional travel gift vouchers.

6. Standard Chartered DigiSmart - best credit card for online shopping

the Standard Chartered DigiSmart credit card is meant for anyone who prefers online shopping. you can get up to 25% discount for travel, clothes, food, groceries, movie tickets, or cab rentals. with this credit card, you save up to ₹3,450 per month.

7. SBI Student Plus Advantage credit card - best for students

college students looking to manage their expenses can consider the SBI Student Plus Advantage credit card. this is an exclusive card for customers who have taken an educational loan with SBI. you can get your card against a fixed deposit, making it a secured credit card that doesn’t require an annual fee.

8. Kotak Mahindra Essentia Platinum card - best for grocery shopping

a massive chunk of our monthly expenses goes into grocery shopping. as per a survey, grocery shopping took almost 28% of the average Indian's entire budget.

9. Axis Pride Signature - best credit card for NRIs

are you an NRI in need of a credit card that offers great value back on all your spending? look no further because the Axis Pride Signature is the best among the lot.

10. ICICI’s Business Advantage Black card - best business credit card

ICICI’s Business Advantage Black card is one of the best business cards out there. this exclusive card aims to drive businesses safely. you stand to receive up to 1% cashback on both domestic and international expenses. this card does it all, from air travels to car rentals to professional services, such as accounting services, advertising, marketing, etc.