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If you are looking for a credit card that can give you more benefits, rewards, and convenience and want to enjoy the perks of being a Visa cardholder, such as global acceptance, security, and exclusive offers, then you have landed on the right page.
Visa is one of the most popular and widely used payment networks in the world, with over 3.9 billion cards in circulation and is accepted by more than 44 million merchants in over 200+ countries and territories.
Visa cards come in different types and categories, such as debit, credit, prepaid, co-branded, regular, premium, and more. You can choose a Visa card that suits you best depending on your needs, preferences, and eligibility.
To save you time and effort, we have compiled a list of India's best Visa credit cards based on our research and analysis. These cards offer great value for money, attractive features, and competitive rates. Here are our top picks:
Best Visa Credit Card
1. IDFC FIRST Bank Select Credit Card
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There is no way that you can ignore the IDFC FIRST Bank Select Credit Card while looking for the best Visa credit card. This card has everything that a cardholder expects from a decent card. From the best rewards to amazing travel and insurance benefits, you get it all with this card and all this with no joining fees.
Features
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Welcome Bonus |
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Fuel Surcharge Waiver |
Get a 1% surcharge waiver on fuel transactions with the maximum discount capped at ₹300. |
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Travel Benefits |
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Insurance Benefits |
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Dining Benefits |
Up to 20% off at more than 1,500 restaurants. |
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Entertainment Benefits |
Buy one get one offer on movie tickets up to ₹250 on the PayTM mobile app twice a month. |
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Reward Benefits |
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Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
1.99% |
Eligibility
Applicant’s age should be at least 21 years, and they must have a decent monthly income.
2. Tata Neu Infinity HDFC Bank Credit Card
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What are the things that you don't get with a Visa-powered Tata Neu Infinity HDFC Bank Credit Card? The answer to this is almost ‘nothing’. This card is a power-packed bundle of excellent rewards and benefits. With Neu coins, you get rewarded for almost all your expenses. Other than that, you get lounge access, fuel benefits, insurance benefits, and much more.
Features
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Welcome Bonus |
Get 1499 Neu Coins on the Tata Neu app, applicable on 1st transaction done within 30 days of card issuance. |
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Fuel Benefits |
Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000. |
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Lounge Benefit |
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Insurance Benefit |
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Reward Benefits |
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Fees and Charges
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Joining Fees |
₹1,499 |
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Annual Fees |
₹1,499 |
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Annual Percentage Rate (APR) |
41.88% |
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Foreign Currency Markup |
2.00% |
Eligibility
Applicant’s age must be between 21 and 65 years.
- If the applicant is a salaried employee, then their monthly income should be at least ₹1 lakh.
- If the applicant is self-employed, then their ITR should be at least ₹12 lakh per annum.
3. Amazon Pay ICICI Bank Credit Card
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If you are a shopaholic and your favourite shopping destination is Amazon, then there is absolutely no way you can keep yourself away from this Visa-powered Amazon Pay ICICI Bank Credit Card. This card comes with no joining fees and offers rewards for both online and offline purchases, including those made on Amazon.
Features
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Welcome Bonus |
Prime users get rewards worth ₹2000, non-prime users get rewards worth ₹1500, and 3 months of Amazon Prime membership. |
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Fuel Surcharge Waiver |
1% fuel fee waiver at all petrol stations in India (as long as the transaction doesn't cost more than ₹4,000). |
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Cashback Benefits |
For Amazon Prime members, there is a 5% cashback in the form of Amazon Pay balance on any purchase made from Amazon’s website. For non-prime members, there is 3% cashback in the form of Amazon Pay Balance. |
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Reward Benefits |
At the end of the payment cycle, earned reward points are deposited to the Amazon Pay balance, where 1 reward point equals ₹1. |
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Dining Benefits |
A minimum of 15% off on dining bills at restaurants participating in ICICI Bank’s Culinary Treats programme. |
Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be at least 21 years, and their monthly income should be at least ₹25,000.
4. HSBC Visa Platinum Credit Card
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HSBC Visa Platinum Credit Card is an entry-level credit card that HSBC Bank offers in collaboration with Visa. The best part is this card comes with no joining and annual fees. You get lounge access, insurance, and rewards benefits, with more such features.
Features
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Welcome Bonus |
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Entertainment Benefits |
On Saturdays, you get one movie ticket for free (up to ₹250) for one paid ticket. |
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Reward Benefits |
After spending INR400,000, receive 5X benefits on purchases with a maximum of 15,000 accelerated reward points during the anniversary year. |
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Fuel Surcharge Benefits |
Save upto to ₹3,000 annually on fuel surcharge. |
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Other Benefits |
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Zero Liability Protection |
Zero liability protection in case of fraud or card loss up to ₹3,00,000. |
Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
41.88% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be between 18 and 65 years, and their annual income should be at least ₹4 Lakhs.
Conclusion
Each of the above cards boasts unique features and benefits that promise to enrich your financial journey. But, before applying for any card, compare them and then apply.
But how do you compare and choose the best Visa credit card among so many options? Well, that’s where Select by Finology can help you. It is a platform that enables you to compare and apply for the best credit cards in India with ease. You can filter and sort the cards based on various criteria, such as annual fees, rewards, cashback, travel, lifestyle, etc. You can also read detailed reviews and ratings of each card to make an informed decision.
So, what are you waiting for? Visit Select by Finology and get your hands on the credit card that is the best for you.
