India’s credit card market is growing fast, offering a wide range of cards for different user needs. But with so many options available, choosing the best credit card in India can be confusing. Whether you are looking for cashback, travel benefits, shopping offers, or premium rewards, there is a credit card that suits your lifestyle.
In this article, we will compare the best credit cards in India based on category and user preferences.
Best Credit Card for Online Shopping
Flipkart Axis Bank Credit Card
- Annual Fee: ₹500 (waived on annual spend of ₹2 lakh)
- Benefits:
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5% cashback on Flipkart and Myntra
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4% cashback on Swiggy, Uber, and PVR
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1.5% cashback on other spends
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Why It’s Best: High reward rate on top shopping platforms and dining.
Best Credit Card for Cashback
Amazon Pay ICICI Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Benefits:
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5% cashback on Amazon (for Prime members)
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3% for non-Prime members
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1% cashback on all other spends
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Why It’s Best: Great for regular Amazon users, no fees, and unlimited cashback.
Best Credit Card for Travel
HDFC Diners Club Privilege Credit Card
- Annual Fee: ₹2,500 (waived on spends of ₹3 lakh/year)
- Benefits:
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Complimentary domestic and international lounge access
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Reward points convertible to air miles
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Travel insurance and concierge services
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Why It’s Best: Comprehensive travel perks and flexibility for frequent flyers.
Best Premium Credit Card
HDFC Infinia Credit Card (Metal Edition)
- Annual Fee: ₹12,500 + GST
- Benefits:
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Unlimited lounge access worldwide
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5 reward points per ₹150 spent
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Taj Epicure and Club Marriott memberships
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24/7 concierge service
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Why It’s Best: Premium lifestyle benefits, global access, and high credit limits.
est Entry-Level Credit Card
IDFC FIRST Millennia Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Benefits:
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10X rewards on online spends
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No late payment or over-limit fees
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Interest-free cash withdrawals for 48 days
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Why It’s Best: Best for beginners who want a no-fee, reward-heavy experience.
Best Credit Card for Fuel
IndianOil HDFC Credit Card
- Annual Fee: ₹500
- Benefits:
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5% cashback on fuel at IndianOil outlets
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1% fuel surcharge waiver
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Rewards on groceries and bill payments
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Why It’s Best: Savings for daily commuters and two-wheeler owners.
Best Lifetime Free Credit Card
Lifetime Free SBI SimplySAVE Credit Card (under offers)
- Annual Fee: ₹499 (Can be waived under promo offers)
- Benefits:
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10X reward points on groceries, movies, dining
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Fuel surcharge waiver
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Why It’s Best: Simple, practical, and widely accepted for general use.
How to Choose the Best Credit Card in India
When selecting the best credit card in India, consider the following factors:
- Your Spending Pattern: Are you a traveler, shopper, or a business user?
- Annual Fee vs. Benefits: Make sure the benefits justify the cost.
- Reward Redemption: Check if rewards can be easily converted to vouchers or cash.
- Customer Support & Card Acceptance: Some cards may not be accepted everywhere
Final Verdict
The best credit card in India depends on what you want from it:
- For Amazon shoppers: Amazon Pay ICICI Card
- For Flipkart lovers: Flipkart Axis Bank Card
- For frequent flyers: HDFC Diners or Infinia
- For zero-fee seekers: IDFC FIRST or Amazon Pay Card
- For premium lifestyle: HDFC Infinia
- For everyday savings: IndianOil HDFC or SBI SimplySAVE
There is no single “best” credit card. It’s about choosing what matches your needs and spending habits.