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Best Credit Cards in India 2019

IndianMoney.com Research Team | Posted On Monday, January 21,2019, 11:23 AM

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Best Credit Cards in India 2019

 

 

Best Credit Cards in India 2019:

A credit card is a plastic card that allows borrowing to pay for purchases. A credit card issued by the lending institution or bank helps borrow funds to pay for goods and services. The cards are issued on a condition that the user will not only pay back the amount borrowed, but also the agreed additional charges incurred. The money borrowed using a credit card is known as a cash advance. The issuer of credit card pre-specifies the limits up to which the user can borrow funds. 

Apart from allowing customers pay for purchases, these cards also offer a host of benefits and rewards like discounts, cash back, flyer miles, access to lounges and memberships. A customer can also opt for credit cards based on benefits and rewards. In India different banks offer different benefits on credit cards and it is worth comparing credit card benefits to choose the one that best suits your needs.

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SEE ALSO: Understand Credit Score

Best Credit Cards in India 2019

Best Top 10 Credit Cards for January 2019:

Credit cards are categorized based on the kind of benefits they offer. Some credit cards offer reward points as well as cash backs on grocery and utility bills, travel, shopping and lifestyle bills. What can be more exciting than earning rewards and cash backs on the money you spend? Listed below are some of the best credit cards in India:

  • ICICI Bank Coral Contactless Credit Card
  • The Jet Airways American Express Platinum Credit Card
  • IndianOil Citi Premium Card
  • SBI Card Prime
  • Simply Save Advantage SBI Card
  • HDFC Platinum Edge Credit Card
  • IndusInd Bank Platinum Card
  • Axis Bank Neo Credit Card
  • CITI Cash back Credit Card
  • HSBC Visa Platinum Card

Fee and Charges for Best Credit Cards in India

Name of the card

Joining Fees

Annual Fees

ICICI Bank Coral Contactless Credit Card

 

Rs. 500

Rs. 500

The Jet Airways American Express Platinum Credit Card

 

Rs. 5000 + applicable taxes

Rs. 10000 + applicable taxes

IndianOil Citi Premium Card

 

The charges will be disclosed at the time of issue

Rs. 1000. Fees is waived off for expenditure above Rs. 30000 in the member ship year

SBI Card Prime

 

 

Rs. 2999

Simply Save Advantage SBI Card

 

Rs.499

Rs. 499

HDFC Platinum Edge Credit Card

 

NA

Rs. 500

IndusInd Bank Platinum Card

 

Rs. 17000

NA

Axis Bank Neo Credit Card

 

Rs. 250

Rs. 250

CITI Cash back Credit Card

 

NA

Rs. 500

HSBC Visa Platinum Card

 

NA

NA

Top 10 Credit Cards in India – Card wise Features and Benefits:

IndianOil Citi Premium Card:

This is a fuel card that is best suited for people riding many miles each day. This card helps save money on fuel purchases and other transactions.

Benefits:

  •  Annual fee waiver on spends of Rs 30, 000 a year.
  • 4 Points on every Rs 150 spent on purchase of fuel at IndianOil Outlets.
  • 2 Points on every Rs 150 spent on grocery purchases.
  • 1 Point on every Rs 150 spent on other purchases.
  • The Points can be redeemed for free fuel at IndianOil outlets and selected retail and merchandise outlets.

SEE ALSO: How to Get a Credit Card in 3 Easy Steps?

The Jet Airways American Express Platinum Credit Card:

This card is given by American Express in partnership with Jet Airways. The card provides delightful offers for frequent travellers:

Benefits:

  • 8 JP Miles for every Rs 150 spent. JP miles exclude expenditures on Fuel, Insurance, Utilities, and Cash Transactions.
  • 10,000 Bonus JP Miles on the first charge on your Card.
  • 5,000 Bonus JP Miles along with complimentary Jet Airways Domestic Ticket on each renewal.
  • 16 JP Miles on every Rs 150 spent for booking tickets on Jet Airways website.
  • Up to 20% discount at selected premium restaurants.
  • Complimentary access to airport lounges across 11 cities and much more.

ICICI Bank Coral Contactless Credit Card:

If you want to earn cashbacks and rewards on your purchases, then ICICI Coral credit card is here.

Benefits:

  • Discount of 15% on dining bills.
  • Complementary access to airport lounges with each air tickets booked using this card.
  • Buy 1 get 1 movie ticket free on BookMyShow.com.
  • Get a complimentary tie worth Rs 999 from Provogue.
  • Cardholders can bag up to 10,000 additional reward points each anniversary year.

SBI Card Prime:

It is one of the best credit cards in India and offers cashbacks, rewards and benefits on grocery, lifestyle and travel.

Benefits:

  • Rs 3,000 welcome gift voucher redeemable at Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com.
  • Club Vistara membership
  • Airport lounge access: Domestic and International.
  • 20 reward points on every Rs 100 on utility bills.
  • 10 reward points on every Rs 100 on dining, grocery, departmental store and movies.

SEE ALSO: Differences Between Credit Card And Debit Card

Simply Save Advantage SBI Card:

It is one of the best rewards and cash back credit cards in India and is best suited for people who love to collect points on purchases.

Benefits:

  • 10 reward points on every Rs 100 spent on dining, movies, departmental stores, and grocery.
  • Accepted worldwide at Visa and MasterCard outlets across the globe.
  • 0% fuel surcharge on bills of Rs 500 to Rs 3,000 at any petrol pump in India.
  • Annual fee waived for spending Rs 1,00,000 or more in the previous year.
  • Rs 100 cashback on your first ATM cash withdrawal within first 30 days.

HDFC Platinum Edge Credit Card:

Another pick from the list of best credit cards in India that delight cardholders with rewards and discounts, cashbacks and much more.

Benefits:

  • Two reward points on every Rs 150 spent.
  • 1% fuel surcharge waiver on minimum transaction of Rs 400.
  • 50% reward points on all dining spends.
  • Up to 50 days of interest free credit period.
  • Revolving credit at nominal interest rate

IndusInd Bank Platinum Card:

This premium credit card is a sheer delight for lifestyle and food lovers.

Benefits:

  • 1.5 reward points on every Rs 150 spent using this card.
  • Discounts at various travel and lifestyle partners.
  • Discounts on movie tickets on Bookmyshow.com.
  • Access to airport lounges.
  • Avail benefits under Accor plus program and Travel plus program.

Axis Bank Neo Credit Card:

If you enjoy shopping online then this is the card for you.

Benefits:

  • 10% cashback on mobile recharge, online shopping and movie tickets.
  • 10% discount on Myntra for purchases above Rs 500.
  • Easy EMIs on transactions above Rs 2,500.
  • Additional gift vouchers on Jabong and BookMyShow.
  • Annual fee waiver and loyalty points

CITI Cash back Credit Card:

A credit card best suited for those who like to collect points on daily transactions.

Benefits:

  • 5% cashback on movie tickets.
  • 5% cashback on telecom bill payments.
  • 5% cash back on Utility Bill Payments via Citibank Online Bill Pay.
  • 5% CashBack on all other spends.
  • Dining offers and shopping benefits.

SEE ALSO: HowTo Improve Credit Score?

HSBC Visa Platinum Card:

This is one of the most popular credit cards that offer rewards, benefits, discounts and much more.

Benefits:

  • 3x Rewards on hotel, dining and telecom spends in the first year.
  • 2 points on every Rs 150 spent using the card.
  • Movie vouchers of Rs 500 on spends above Rs 50,000 a month.
  • Fuel surcharge waiver on paying for fuel using the card.
  • Dining discounts and 10% cashbacks on every transaction in the first 90 days.

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