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Credit cards have become indispensable in our daily lives, providing us with the convenience and flexibility of cashless transactions. In India, there are over ten different types of credit cards available, each designed to cater to a specific set of needs.
From cashback to travel rewards and shopping perks, there's a credit card for everyone. To make it easier for you to choose the right one, we've compiled a comprehensive list of the top 5 credit cards in each category. Whether you're a frequent traveller looking for a credit card that offers the most airline miles, a shopaholic searching for the best rewards on your purchases, or someone looking for a credit card that offers the most cashback on everyday spending, we've got you covered.
So, let's explore the best credit cards in India and find the perfect one for your needs!
Table of Contents
- Top 5 Cashback Credit Cards 2024
- Top 5 Credit Cards for Lounge Access
- Top 5 Rewards Credit Card
- Top 5 Fuel Credit Cards
- Top 5 Credit Cards for Beginners
Different Types of Credit Cards in India 2024
The following are the top 5 credit cards in India, each designed to cater to a specific set of needs. Choose the one that best suits your lifestyle and enjoy the benefits and rewards that come with it.
Top 5 Cashback Credit Cards 2024
Credit cards offer cashback rewards for eligible purchases, which are a percentage of the purchase amount. These rewards can be redeemed as statement credits, direct deposits, or gift cards. The best cashback credit cards in India are:
|
Card Name |
Features |
Cashback Rate |
|
5% cashback on all online and 1% cashback on all offline spends |
1% to 5% |
|
|
10% accelerated cashback on all dining, food delivery and grocery spending and 1.5% unlimited cashback on all other spends |
1.5% to 10% |
|
|
5% cashback on electricity, internet and gas bill payments and 4% cashback on Swiggy, Zomato and Ola |
2% to 5% |
|
|
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, and 1% cashback on all other spends |
1% to 5% |
|
|
5% cashback for all Prime members and 3% for Non-Prime members |
1% to 5% |
Top 5 Credit Cards for Lounge Access
If you're a frequent traveller, you know the value of airport lounge access. It's a great way to relax before a long flight and enjoy some peace and quiet away from the hustle and bustle of the airport. Here are some of the best credit cards for lounge access:
|
Card Name |
Lounge Access |
|
Unlimited domestic and international lounge access |
|
|
8 free airport lounge access across India, limited to two per quarter. |
|
|
6 free international and 2 domestic lounge access via Priority Pass. |
|
|
Unlimited free lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass. |
|
|
4 free visits to domestic airport lounges per quarter and 4 free visits to railway lounges. |
Top 5 Rewards Credit Card
Rewards credit cards are a popular type of credit card that offers a variety of benefits to cardholders. These cards typically give you points, miles, or cashback for every dollar you spend on eligible purchases. The more you spend, the more rewards you can earn. Rewards credit cards often come with sign-up bonuses and other perks, such as travel insurance, purchase protection, and extended warranties.
|
Card Name |
Reward Rate |
|
3.3% to 33% |
|
|
0.5% to 5% |
|
|
0.5% to 2.5% |
|
|
0.3% to 3.3% |
|
|
Up to 5% |
Top 5 Fuel Credit Cards
Fuel credit cards are a great way to save money on your everyday expenses. These credit cards offer cashback, reward points or discounts on fuel purchases made at petrol pumps. Fuel credit cards are especially beneficial for individuals who commute long distances every day or own a vehicle for commercial purposes. Here are some of the best fuel credit cards in India:
|
Card Name |
Fuel Benefits |
|
- Free IndianOil XTRAREWARDS Program membership |
|
|
- 7.25% Value Back- 25x Reward Points on fuel purchases at BPCL petrol pumps |
|
|
- Up to 6.5% savings on your fuel expenses |
|
|
- Earn 100% cashback on fuel up to ₹250 as a welcome bonus |
|
|
4 Turbo points per ₹150 spent & 1% fuel surcharge reversal |
Top 5 Credit Cards for Beginners
Credit cards can be a great financial tool for beginners who are looking to build their credit history. While credit cards can offer many benefits, it's important to choose the right one that suits your needs and budget. Here are some of the best credit cards for beginners in India:
|
Card Name |
Features |
Joining and Annual Fee |
|
- 10X Reward Points on online spending with Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra |
₹499 |
|
|
- 5% cashback for Amazon Prime Members |
Lifetime Free |
|
|
- 10x CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy |
₹500 |
|
|
- 4x Reward Points |
Lifetime Free |
|
|
- 40% off at food delivery on Zomato |
₹250 |
Conclusion
As the market continues to evolve, choosing the right credit card that fits our lifestyle and budget may become increasingly challenging. However, in this blog post, we have discussed the top 5 credit cards in India category-wise, highlighting their unique features and benefits. These credit cards offer a range of benefits, from earning rewards and cashback on daily expenses to getting fuel savings and 100% cashback on fuel transactions. By selecting a credit card that aligns with your lifestyle and spending habits, you can be well-prepared for any future expenses, ensuring responsible and timely credit card usage that can contribute to building a good credit score and financial stability. So keep yourself informed and choose wisely to make the most out of your credit card experience.
