Top 10 Best Credit Cards in India

Credit cards have made our lives very easy. But, choosing the right card is very important to get the most out of your credit card. Now, you must be wondering which one to choose as there are so many credits that offer many benefits. So, no need to be surprised anymore. Here in this article, we are going to discuss the top 10 best credit cards. Hence, it becomes easy for you to decide which one to choose.

1) Axis Bank Ace Credit Card

It is considered as one of the best credit cards. Due to various exciting offers like cashback rate. Axis Bank Ace Credit Card offers you the highest universal rate i.e. 2%. You can also enjoy various dining, shopping and entertainment benefits in India. And the best part about this credit card is that it gives you the opportunity to spend on EMIs and earn rewards on purchases. Let us know some of the top benefits offered by Axis Bank Ace Credit Card –

You can get 5% off on your utility bills paid through Paytm.

Enjoy up to 40% off on Zomato.

2) Travel SBI Credit Card

If you are a travel person then this card is perfect for you. Yatra SBI Credit Card was launched in partnership between SBI and Yatra. It is considered one of the best travel credit cards in India. And apart from having the best travel credit card, an inside store also belongs to you with many benefits. Let us know some of the benefits of Yatra SBI Credit Card-

Get huge discount on 1000+ domestic flights.

Receive reward points when you spend at department stores, grocery, dining, and more.

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3) ICICI Amazon Pay Credit Card

It comes under the shopping category of credit cards. There are many benefits of using this credit card. If you use this card, you will get 5% cashback on some important things and 2% cashback on bill payment insurance premium payment Amazon. If you use ICICI Amazon Pay credit card, you will not have to pay any joining and annual fees. Apart from this, there is no drawback in this credit card.

best credit card

4) Axis Bank Flipkart Credit Card

Axis Bank Flipkart Credit Card is also a shopping category credit card. Whenever you use this card to buy something on Flipkart app, it will give you 5% cashback on every purchase. You will get 4% cashback at partner merchant and 1.5% cashback on all other expenses. If you use this card, Flipkart will give you four domestic airport lounge access every year. Talking about its downside annual fee, then Rs. 500+ GST ​​only turns upside down if you spend 2 lakhs in a year. Apart from this, it is a very good credit card.

5) SBI SimplyClick Credit Card

As such, previous credit also belongs to the credit card of the shopping category. You will get 2.5% value back on Amazon/BMS/Cleartrip/Netmeds and 1.25% value back on all other spends. It gives you 5% extra cashback on Amazon, Flipkart etc. on spending through SBI YONO. Talking about the downsides of SBI Simply Click Credit Card, it offers 10X and 5X reward points, with a cap of 10,000 per month, and its offline spend value is 0.25% cash.

6) HDFC Bank Millennia Credit Card

Unlike the above-mentioned credit cards, the HDFC Bank Millennia Credit Card falls under both the shopping and other spending categories. You will get 5% cashback Amazon/Flipkart/Travel Booking through Smartbuy/Payzapp. It offers 2.5% cashback on all other online spends and 1% cashback on wallet and offline spends. You can get additional cashback of up to 5% on spending through HDFC SmartBuy (Amazon/Flipkart/etc.). Talking about the downsides of HDFC Bank Millennia Credit Card, the minimum spend to avail cashback on online spending is Rs. 2000 and the minimum cashback points required for redemption is 2500 with an issue validity of one year. This can be the best credit card for online shoppers who spend around 1 lakh.

7) Bob Eterna Credit Card

This is the best card for online shopping as well as general spending. You will get 3.75% Value Back on all online spend (but as per t&c 3.75%)

Dining/Movie/Shopping/International Expenses). Its downsides include the core reward rate of 0.75% which is very low for a premium card and 5X RP (3.75%) capping 5000 per month. Customer service services are not so good.

8) HDFC Infinia Credit Card

HDFC Infinia Credit Card is the best credit card that can be used for travel, shopping and almost everything. The strong sides of HDFC Infinia Credit Card include benefits like 3.33% reward rate for all spends and 10x reward system (33.33% reward rate). You will also get Unlimited Lounge Access with Priority Pass for Primary and Add Cardholders

Whole world.

9) Kotak Essentia Credit Card

Kotak Essentia Credit Card is one of the best credit cards for grocery category spending, you can save up to 8.50% after paying the card charges. You will get 10% worth of cashback for departmental and grocery stores. This will give you the primary

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