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Credit cards have become an essential part of our lives, providing us with a convenient and efficient way to make purchases and manage our finances. In India, there are countless credit cards available in the market, each with its own unique set of features and benefits.
With so many options to choose from, it can be challenging to determine which credit card is right for you. That's why we've put together a list of the top 10 credit cards in India based on factors such as income levels, type of employment, and interest rates. Whether you're a frequent traveller, a first-time credit card user, or an avid online shopper, we've got you covered. So, without further ado, let's dive into our list of the top 10 credit cards in India.
Top 10 Credit Cards in India
1. HDFC Regalia Credit Card - Best for High-Income Professionals
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With an annual income requirement of ₹12 lakh, the HDFC Regalia Credit Card is best suited for high-income professionals. The card offers benefits such as complimentary lounge access, travel and hotel discounts, and a rewards program that lets you earn up to 4 reward points for every ₹150 spent.
2. Axis Bank Buzz Credit Card - Best for Online Shoppers
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If you are an avid online shopper, the Axis Bank Buzz Credit Card is the right choice for you. The card offers discounts and cashback on purchases made on Flipkart, Myntra, and other partner websites. The annual income requirement for this card is ₹6 lakh.
3. SBI SimplyCLICK Credit Card - Best for Middle-Income Earners
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SBI SimplyCLICK Credit Card is suitable for those with an annual income of ₹2.5 lakh for salaried and ₹3.6 lakh for self-employed. The card offers cashback and rewards on online shopping, dining, and utility bill payments. Cardholders can earn up to 1 reward point for every ₹100 spent.
4. ICICI Instant Platinum Credit Card - Best for First-Time Credit Card Users
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If you are a first-time credit card user, the ICICI Instant Platinum Credit Card is an excellent choice. The card does not require any income proof and offers benefits such as fuel surcharge waiver and discounts on dining and movies.
5. American Express Platinum Reserve Credit Card - Best for Premium Cardholders
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The American Express Platinum Reserve Credit Card is best suited for premium cardholders. With an annual fee of ₹10,000, the card offers benefits such as complimentary lounge access, travel and hotel discounts, and a rewards program that lets you earn up to 1 reward point for every ₹50 spent.
6. Standard Chartered Manhattan Platinum Credit Card - Best for Grocery Shoppers
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If you spend a lot on groceries, the Standard Chartered Manhattan Platinum Credit Card is the right choice for you. The card offers cashback and rewards on grocery purchases and also provides discounts on dining and fuel. The annual income requirement for this card is ₹10.8 lakh.
7. Citi Cashback Credit Card - Best for Cashback Rewards
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The Citibank Cashback Credit Card is ideal for those who want to earn cashback rewards on their spending. The card offers cashback on categories such as dining, fuel, and utility bill payments.
8. RBL Bank Platinum Maxima Credit Card - Best for Entertainment Lovers
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If you love entertainment, the RBL Bank Platinum Maxima Credit Card is the right choice for you. The card offers discounts and rewards on movie tickets, dining, and travel. The annual income requirement for this card is ₹5.4 lakh.
9. Kotak Mahindra Bank Royale Signature Credit Card - Best for Travelers
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The Kotak Mahindra Bank Royale Signature Credit Card is ideal for frequent travellers. The card offers benefits such as complimentary lounge access, travel and hotel discounts, and a rewards program that lets you earn up to 4 reward points for every ₹150 spent. The annual income requirement for this card is ₹24 lakh.
10. IndusInd Bank Platinum Aura Credit Card - Best for Low-Interest Rates
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The IndusInd Bank Platinum Aura Credit Card is ideal for those who want a low interest rate on their credit card. The card offers an interest rate of only 3.95% per month and also provides benefits such as cashback and rewards on dining and fuel. The annual income requirement for this card is ₹3 lakh.
Conclusion
Choosing the top credit card isn't easy because most of them have a lot to offer customers. In the end, it really does come down to your individual needs and lifestyle. Your income level, your spending habits, your employment status—all of these factors will influence which credit card you choose to apply for. But by taking some time to research and compare the various options available in the market, you're sure to find the best credit cards in India for you.
To help you with the same, you can use Select by Finology, which allows you to compare more than 50 credit cards in India. It provides a comprehensive overview of the features, benefits, and fees associated with each card, making it easier for you to make a better decision. Visit Select today!
