Are you searching for Best Credit card in India? Well, With the advancement of technology in India particularly in communication systems over phones and internet, paper currency is rapidly changing to plastic mean, to be precise – cards. Credit card in India are gaining acceptance not only among the educated masses but also among common people. With facilities of not carrying cash while in the move, money in the hour of crisis like sudden & emergency medical expenses to be paid or simply paying your utility bills best credit card in India is emerging as fast mode of alternative payment gateway.
Credit card India and the generation y are also becoming synonymous. Speaking only of generation y is not enough, even the older generations are linking their lifestyle to best credit card India. With the facility of making the repayment within a certain later period, the borrower can arrange for the funds for repayment of the credit card bills which had helped the borrower at the time of need.
Choosing The 10 Best Credit Card In India Among The Lot
Often one is confused to understand which credit card is best in India. Each one giving some facilities different from others and it is very confusing to choose the best credit card in India. The cards may be visa, master, rupay or maestro provided by various banks. Still, if we can rank the cards as per best features, we get a list of top 10 credit cards to choose from. Depending on your purchases or uses here is a list of top 10 credits cards that you can go for.
1) Indian Oil Citi Platinum Card
Indian Oil Citi Platinum Card tops the list while choosing the best credit card in India. If you spend Rupees 30000/- annually, which one often do otherwise for purchases or utility bill payments, the annual fee is waived. The card gives 4 Turbo points on using them to purchase fuels at all Indian Oil outlets throughout India. Why not earn some points while purchasing fuels too which otherwise is too costly in India compared to other countries.
The card also provides various turbo points on purchases, be it the grocery shop or the supermarket. The more you spend, the more turbo points you earn. Turbo points can be redeemed while purchasing fuels and you should remember with one turbo point you will get fuel worth of 1 rupee. Apart from this, you can avail personal and preferred customer services at select hotels, restaurants and can get offers on your dining, shopping activities.
2) ICICI Bank Coral Contactless Credit Card
ICICI Bank Coral Contactless Credit Card is the second one in the chart. The cardholder can enjoy 15% discount on bills for dinning. If you spend Rupees 4000/- in a single transaction at HPCL petrol pumps, you will get cash back to the tune of 2.5%, and the surcharge of 1% is waived. With growing number of the household owning a car, one can easily take this opportunity of discount given otherwise.
If you buy air tickets with this card, you will get complimentary access to the airport lounge. How about buying one movie ticket with this card and getting one free? Yes, you get this facility while booking movie tickets from particular online show booking websites. As soon as you join you will get a tie worth around 1000 rupees from a well-known garment brand and the tie will be delivered within 30 days.
3) Yatra SBI Credit Card
The third best and the popular card is Yatra SBI Credit Card. State Bank of India and Yatra had joined hands to provide the best travel card if you are always in your boots. With this card, you get benefits on domestic as well as international travel. Welcome vouchers worth around 8000/- rupees are given as soon as one gets this card.
You will get 6X reward points while swiping this card at merchant outlets and retail stores, be it grocery or anything. One can redeem the points accumulated for Yatra vouchers. Spending one rupee in retail stores shall earn you one reward point. Fuel surcharge of 1% is waived if you purchase fuel worth in between Rupees 50 to 3000/-.
4) Jet Airways American Express Platinum Credit Card
If you are a frequent flier, then Jet Airways American Express Platinum Credit Card is for you. It is fourth most ranked card in India. Just imagine getting 10000 JP miles and one one way domestic travel flight ticket from the airlines. You are entitled to complimentary airport lounge access across 11 airports in India. You get 3% cash discount on the purchase of fuel. You get free hotel and resort stay with their membership of iPrefer Elite Tier. You are entitled to get 8 JP miles as reward points on spending every 150/- rupees. The JP miles are doubled if you spend the same amount at the airline’s website. The best part of this card is enjoying zero liability of lost card.
5) HSBC VISA PLATINUM Card
HSBC VISA PLATINUM Card comes 5th. You get 10% cash back on the first 90 days. You get 3x rewards points for first 12 months of spending on hotel, dining or in telecom purpose. You also get 2 points per 150 rupees spent by using this card. The fuel surcharge is waived if you pay for your fuels through this card. The reward points multiply according to the transaction volume made through this card within a year. You also get dining discounts under the ambit of HSBC Dining Privileges.
6) Citibank Cashback Credit Card
The sixth best credit card in India is Citibank Cashback Credit Card. If you are the salaried class, then this card is for you. You can make contactless payment for all transactions within Rupees 2000/-.If you are movie buff, you get 5% cash back. On payments of utility bills through the bank’s Online Bill Pay, you also get 5% cash back. You can make purchases on EMI through this card over a number of outlets for mobiles, electronics or retail items. For the salaried class, the EMI and cash back offer is an added advantage.
7) HSBC Bank Diners Club Black Card
HSBC Bank Diners Club Black Card follows the list. Apart from reward points, it provides extra protection, travel and lifestyle benefits, and golf benefits and so on. You can earn 2x rewards points from every usage for domestic or international flight booking or hotel bookings. You can access 25 airport lounges in India and 650 airport lounges throughout the globe free of cost owning this card.
You can learn the game of golf free of cost throughout the globe. You get 20 million rupees air accident cover, an emergency medical cover of 50 lakhs, Up to Rupees 9 lakhs of credit liability cover and maximum of Rupees 55000/- for Travel Insurance cover for baggage loss or delays.
8) IndusInd Bank Platinum Card
IndusInd Bank Platinum Card is the 8th best credit card in india. This card is for people who like to lead a posh life. With its various membership program under this card you get many benefits like free golf training, discount on hotel bookings, free night stays at select hotels, huge discount on drinks and dining bills. The joining fee is zero for the first year. Apart from all these, you get the waiver on fuel surcharge too.
9) Axis Bank Neo Credit Card
Following the league is Axis Bank Neo Credit Card. Frequent moviegoers, shopaholics or the foodies will love to have this card. The card offers some of the best dining benefits in India other than shopping and watching movies. Every time you use this card, to spend Rs. 200/- you earn two eDGE loyalty rewards points per Rs 200 spent.
You get 10% cash back on mobile recharges, for movie tickets and purchases done online. The card is protected with EMV certified chip. There is no annual fee for the first year. The card is protected with zero lost liability. This card is very popular with youths.
10) Kotak PVR Gold Credit Card
Last but not the least is Kotak PVR Gold Credit Card. It is very popular with movie buffs, and the bank had tied up with PVR Cinemas to launch the same. You will get one free ticket or 2 tickets per bill cycle with the conditions of spending mentioned in the terms. There are no joining fees, and you can avail up to Rs 75000/- insurance cover for lost or stolen card.
Thus, depending upon the facilities and terms and condition given, the top 10 credit cards and their benefits of having the same is mentioned here. It is now crystal clear as to which credit card is best in India. You can select your preferred Credit Card as per the ranking above, apply for it and start spending with your credit card on receipt of the same with the benefits of using coming as a bonus. We have also listed some points on How To Earn Money Online In India which will guide you in making money if you like to work from home.
The days of carrying cash with risk to purchase are over. Neither one can spend through cash online. If you have a Credit card, you can easily do these transactions online sitting at your cosy corner at home or go to shopping malls with a bag full of cash. Use the top ten best credit card In India. Forget worries, go plastic.