Best Credit Cards in India 2023

Axis Bank My Zone Credit Card is one of the popular Entry-Level Credit cards available in the market. The card is issued with an annual fee of Rs. 500 and welcomes you with a Complimentary SonyLiv Premium annual subscription. With this card, cardholders can earn up to 4 EDGE Points for every Rs 200 spent. Apart from this, the card offers great benefits in dining as well as in Entertainment. Despite having a nominal annual fee, the Myzone credit card offers complimentary access to domestic airport lounges. Following are the detailed features of the card:

• Complimentary SonyLiv Premium annual subscription as a welcome benefit.
• 4 EDGE Points per Rs. 200 spent.
• 1 complimentary access to domestic airport lounges every quarter.
• Up to 20% off on dining with Axis Dining Delights.
• 40% discount on Swiggy up to Rs. 120.

AxisThe MoneyBack Plus credit card is the better version of the MoneyBack credit card and comes at a joining fee of Rs. 500. The cards offers a decent reward rate of 20 CashPoints per Rs. 150 spent with the cad. Mainly, the card offers cashback but you can also get gift vouchers worth Rs. 2000 on achieving certain spend-based milestones. MoneyBack Plus credit card offers 15% discount on more than 2000 top restaurants along with a fuel surcharge waiver, annual fee waiver, and other privileges. Also, you can redeem your reward points against card statement balance, Airmiles, product and vouchers, etc. Here are the features and benefits of this card:

• Welcome bonus of 500 CashPoints
• 2 CashPoints per Rs. 150 spent and 5x CashPoints on EMI transactions
• 20 CashPoints per Rs. 150 spent on Amazon, Reliance Smart Store, Swiggy, BigBasket, and other partner brands
• Rs. 500 worth gift vouchers on spending Rs. 50,000 or more per quarter
• Up to 15% discount at more than 2000 top restaurants across India
• Annual fee waiver on spending Rs. 50,000 or more in the card anniversary year
• 1% fuel surcharge waiver

The LIT credit card by AU Bank is the country’s first customizable credit card and the cardholder can select features and benefits based on his needs. You do not have to search for multiple credit cards that suits your requirements as you can transform the LIT credit card into what you need. Just log into the AU 0101 application, select the features you want in your card, and pay for the next 90 days. Other than great cashback on specific categories, you get 1 Reward point per Rs.100 spent along with 10x or 5x bonus reward points on your chosen feature categories. Let’s know more about the benefits offered by this card:

• First customizable credit card of our country
• Log into the AU 0101 app and chose the features you want for the next 90 days on the card
• Free 3-month membership of Amazon Prime, Cult.fit, and Zee5
• 1 Reward point per Rs. 100 spent with the card
• 5x or 10x accelerated reward points on offline as well as online transactions
• 1% fuel surcharge waiver on spends between Rs. 400 and Rs. 5000
• 2% and 5% cashback on achieving spend-based milestone on retail
• 5% cashback on grocery, travel, and dining spends
• 4 complimentary domestic lounge access every quarter

Cashback SBI Card is a newly introduced cashback credit card that offers up to 5% cash back on your spends. Along with a decent cashback rate, the card also offers complimentary domestic lounge access, which makes it a suitable lifestyle card for those who look for decent benefits with affordable membership charges. The renewal fee of the card is Rs. 999 which can be waived on spending Rs, 2,00,000 in a year. Following are some key benefits provided with the Cashback SBI Card:

• 5% cash back on every online transaction.
• 1% cashback on offline transactions and utility bill payments.
• 4 complimentary domestic lounge access in a year.
• 1% fuel surcharge waiver.
• Spend-based waiver of the renewal fee.

With a nominal membership fee of Rs. 499 per annum, SBI SimplyCLICK Credit Card is definitely one of the best entry-level credit cards by SBI Card and offers a fairly high reward rate at partner e-commerce portals like Amazon, Cleartrip, BookMyShow, Lenskart, UrbanClap, etc. Some of the salient features of SBI Simply Click Credit Card are as under-

• Milestone benefits like complimentary e-vouchers and annual fee reversal on achieving the stipulated spend-based milestones.
• 10X Reward Points on online shopping from partner merchants including Amazon, BookMyShow, Cleartrip, etc.
• 5X Reward Points on all other online spendings except fuel.
• 1 Reward Point for every offline spends of Rs. 100.

Given its high reward rate on online spends, the SBI SimplyCLICK Credit Card is a popular entry-level credit card in India, particularly popular amongst new to credit millennials and first-time cardholders. If you’re fond of online shopping, especially at the aforementioned partner merchants, this SimplyCLICK Card by SBI Cards can be a really good pick for you.

Axis Bank ACE credit Card is a very attractive entry-level offering by Axis Bank. The card has an annual membership fee of Rs. 495 and is best suited for utility bill payments and recharges as it offers a high reward rate of 5% on bill payments and recharges via Google Pay. Following are the salient features of the card include-

• 5% cashback on bill payments (internet, gas, electricity, etc.) and mobile/DTH recharge via Google Pay.
• 4% cashback on Swiggy, Zomato and Ola and 2% cashback on all other online and offline spends with the card.
• 4 complimentary domestic airport lounge visits every year at select airports in India.
• Enjoy up to 20% discount on all dining bills made at partner restaurants with the bank’s Dining Delights program.

SmartEarn Credit Card by American Express is a basic entry-level offering by the card issuer. The card comes with a membership fee of just Rs. 495 per annum and is best suited for shopping. While the card offers 1 Membership Rewards Point for every Rs. 50 spent, cardholders can earn up to 10X Membership Rewards Points on spends at partner merchants which include big names like Amazon, Flipkart, Paytm, Uber, Swiggy, Paytm, etc. Key features of AmEx SmartEarn Credit Card are as under-

• 1 Membership Rewards Point per Rs. 50 you spend using the card except for spends on fuel, insurance, utilities, cash transactions and EMI conversions.
• 10X Membership Rewards Points on spends on Amazon, Flipkart and Uber.
• 5X Membership Rewards Points on Myntra, Paytm Wallet, Swiggy PVR Cinemas, BookMyShow, Grofers, Big Bazaar and many other partner merchants.
• Renewal fee waiver on spends of minimum Rs. 40,000 in the previous year.

IDFC First Classic Credit Card is another great option in the entry-level segment. The best part is, the card comes with a zero membership fee. Some of the main features of the First Classic Credit Card as summarised as under-

• Get Gift voucher worth Rs. 500 on achieving a spend target of Rs. 15,000 within 90 days of card issuance.
• 3 Reward Points per Rs, 100 on offline purchases, 6 Reward Points per Rs. 100 on online purchases, 10 Reward Points per Rs. 100 on all spends above Rs. 20,000 and 10 Reward Points for every Rs. 100 spent on your birthday.
• 4 complimentary railway lounge access per quarter.
• 25% discount on movie ticket purchases.
• Complimentary Road Side assistance service.

With all these aforementioned benefits, IDFC First Classic Credit Card gives a neck-to-neck competition to other credit cards by big players like HDFC, ICICI and SBI Card in the entry-level segment.

This co-branded offering by Axis Bank in collaboration with Flipkart gives tough competition to the Amazon Pay ICICI Bank credit card. The Card offers a high reward rate on Flipkart, Myntra and other partner merchants including Swiggy, Uber, PVR, etc. Earlier, Flipkart Axis Bank Credit Card was offered on the MasterCard platform, now, since MasterCard is not allowed to onboard new customers, Axis Bank is issuing this card on the Visa network. Following are some of the key features of the Flipkart Axis Bank Credit Card-

• Earn a cashback of 5% for all purchases on Flipkart and Myntra.
• The card earns you a 4% cashback on preferred merchants including Swiggy, Uber, PVR and cure.fit.
• Earn 1.5% cashback on every other online and offline spends with the card.
• You also get 4 complimentary domestic airport lounge access with the card as a travel benefit.

AmazonPay ICICI Bank Credit Card is a popular shopping credit card in India. It is a lifetime free credit card launched by ICICI Bank in collaboration with Amazon India. The card rewards you with cashback which is automatically credited as Amazon Pay balance to your Amazon Pay wallet at the end of each month. The reward rate and other features of the card are as under-

• 5% cashback on shopping from Amazon for Amazon Prime members.
• 3% cashback on shopping from Amazon for all non-Prime members.
• 2% cashback on payments made to over 100 Amazon Pay partner merchants.
• 1% cashback on every other categories of transactions made with the card.

Apart from these cashback benefits, you also get dining benefits with a minimum 15% discount at partner restaurants under the bank’s Culinary Treats Program. This card is comparable with the Flipkart Axis Bank Credit Card (see below) which can be a better pick if you prefer Flipkart over Amazon for online shopping.

It is a co-branded credit card by SBI Card in collaboration with Paytm. The card comes with an annual fee of Rs. 1,499. The key features of this credit card are summarized as under-

• Complimentary Paytm First membership and a cashback of Rs. 750 (credited to your Paytm Wallet) upon card activation as a welcome benefit.
• 5% cashback on spends on Paytm Mall and movies and travel spends on the Paytm app, 2% cashback on all other purchases made on the Paytm app and 1% cashback on every other online or offline purchases. The cashback is earned as Reward Points which are automatically redeemed as Paytm gift vouchers and added to the Paytm wallet linked to your mobile number registered with the bank.
• 4 complimentary access to domestic lounges every year (max 1 per quarter) and a complimentary Priority Pass membership.
• Milestone benefits including Paytm First membership renewal vouchers and gift vouchers from partner brands like Bata, Pantaloons, and Hush Puppies on achieving the spends-based milestones.

The AmEx Membership Rewards Credit Card comes with a nominal joining fee of Rs. 1,000, however the renewal l fee of this card is Rs. 4,500. With a welcome bonus of 4,000 Membership Rewards, the card offers a decent reward rate. The cardholders can earn 1 MR on every Rs. 50 spend using this card and these rewards are redeemable against various premium vouchers and products. The following are some of the key features of this card:

• 4,000 membership rewards as a welcome benefit
• 1 membership reward on every spend of Rs. 50.
• The earned Reward are redeemable against vouchers from popular brands, such as Amazon, Tanishq, Taj, etc.
• Get up to 2,000 bonus membership rewards every year on achieving the spend milestone.
• Spend-based waiver of the renewal fee.

Axis Bank Select Credit Card is a mid-level offering by Axis Bank. The membership fee of this card is Rs. 3,000 per annum. The credit card offers a host of benefits on all categories of spends-

• Rs. 2,000 worth of Amazon voucher on making the first transaction within 90 days of card issuance as a welcome benefit.
• 8 complimentary access to domestic airport lounges per year (max 2 per quarter) and 6 complimentary international lounge access under the Priority Pass membership.
• Enjoy 6 complimentary rounds of golf games every year and 3 additional rounds on the expenditure of Rs. 3 lakh or above in a year.
• Personal air accident cover worth of Rs. 2.5 crore and many other travel-related insurance benefits.
• Discount vouchers at partner brands on achieving the stipulated spends based milestones.

All the aforementioned benefits and privileges make the Select Credit Card by Axis Bank a very attractive choice in the sub-premium category.

The Privilege credit card by Axis Bank offers unmatched shopping, travel, and overall lifestyle experience to the cardholders. Priority banking customers get this card for free while others need to pay Rs. 1500 as joining fees. The card offers a welcome benefit of 12,500 EDGE reward points and you can redeem these points for multi-brand vouchers worth Rs. 5000. With the card, you get access to dining as well as travel benefits like complimentary lounge access, dining discounts, etc. Let’s take a detailed look at the benefits of this card:

• Welcome benefit of 12,500 EDGE reward points
• 10 EDGE reward points per Rs. 200 spent with the card
• Up to 20% off on dining via the Dining Delights Program
• Complimentary domestic lounge access
• Renewal fee waiver on achieving the spending milestone
• 3000 EDGE reward points upon card renewal
• 1% fuel surcharge waiver
• Insurance privileges across different categories

A quite popular and premium lifestyle card issued by IDFC First Bank, the Select has a diverse range of benefits and features for cardholders. You receive Rs. 500 worth welcome voucher on spending Rs. 15,000 or more along with a 5% cashback on EMI transactions. The card offers up to 10x reward points on regular spends and you can redeem your rewards against a variety of choices. Other benefits include complimentary lounge access, fuel surcharge waiver, insurance privileges, movie ticket offers, and more. Read on for detailed features and benefits of the card:

• Rs. 500 worth gift vouchers and 5% cashback on EMI transactions
• 10x reward points per Rs. 125 spent on transactions above Rs. 25,000
• 10x reward points per Rs. 125 spent on your birthday
• 6x reward points per Rs. 125 spent online and 3x rewards per Rs. 125 spent offline
• Complimentary airport and railway lounge access
• Personal accident cover of Rs. 5,00,000 and air accident cover of Rs. 1 Crore
• 1% fuel surcharge waiver and low forex markup fee

HDFC Regalia Credit Card is one of the most popular and one of the top credit cards in India in the lifestyle category. It should be the card of choice for those professionals who are financially well settled. The card comes with an annual membership fee of Rs. 2,500 and can be seen as the gateway to the more premium credit cards, many of which are invite-only and come with a hefty membership fee. Some of the features of the HDFC Regalia Credit Card are as follows-

• As a Reward Points based credit card- you get 4 Reward Points for every Rs. 150 you spend (1 Reward Point = Rs. 0.20 to Rs. 0.50, depending upon where you redeem the points).
• You earn 10,000 Reward Points on the expenditure of Rs. 5,00,000 in an anniversary year, and 5,000 Reward Points extra on spending more than Rs. 8,00,000 in an anniversary year.
• You get 8 complimentary domestic and 6 complimentary international airport lounge visits every year.
• Enjoy complimentary membership of the Dineout Passport Program with discounted rates at partner restaurants on the expenditure of a minimum of Rs. 75,000 with the card.

It is a mid-level credit card by SBI Card. This card also comes with many benefits and privileges-

• Travel benefits include complimentary Club Vistara Silver tier membership and Trident Privilege membership.
• (Limited) domestic as well as international airport lounge access.
• Complimentary rounds of golf and golf lessons every month.
• Insurance benefits include a cover of Rs. 50 Lakh in case of an air accident and fraud liability cover worth up to Rs 1 lac.

This credit card is best suited for someone looking for a card with a decent reward rate that offers benefits across various spends categories including travel, movies, dining, reward points, gift vouchers, etc. Although it is not a super premium credit card, it does offer fairly good rewards and benefits.

The BOB Eterna Credit Card is another very attractive option in the lifestyle category as you get quite a high reward rate- up to 15 Reward Points for every Rs. 100 spent (1 Reward Point = Rs. 0.25). The card comes with an annual fee of Rs. 2,499 and offers a host of lifestyle benefits including-

• Travel-related benefits like accelerated Reward Points on travel spends, personal air accident cover worth Rs. 1 crore, lower foreign currency mark-up (2% of the transaction amount), unlimited complimentary domestic airport lounge access under the MasterCard domestic lounge program.
• Complimentary rounds/lessons of golf at some of the most premium golf destinations across India.
• Multiple milestone benefits including spends based membership fee waiver.
• Movie and dining discounts and deals including Buy 1 Get 1 offer on Paytm movies, culinary desks at MasterCard Priceless special, etc.

All these benefits make the BOB Eterna Credit Card a perfect card for those looking for a lifestyle or sub-premium credit card that offers benefits across all categories of spends.

As the name suggests, HDFC Millennia Credit Card is tailored for the needs of the millennials – the generation that loves shopping online. It is a cashback credit card and best suited for young professionals for whom online shopping accounts for a substantial portion of their total monthly spending. Keeping the card’s target customers in mind, HDFC offers the following benefits with the card-

• You get 1,000 CashPoints as a welcome gift on the realization of the joining fee.
• The card offers you a cashback of 5% on partner websites including Amazon, Flipkart and BigBasket (max cap of Rs. 1,000 for the first 6 months and Rs. 750 thereafter) and 2.5% cashback on all other online spends (max cap of R. 750), subject to a minimum transaction amount of Rs. 2,000.
• You also get 5% cashback (up to Rs. 1,000) on flight/hotel bookings via SmartBuy/PayZapp, subject to a minimum transaction amount of Rs. 2,000.
• The card earns you 1% cashback ( up to Rs. 750) on offline spends. Minimum transaction size of Rs. 100 is required to avail of this cashback.

Axis Bank Magnus Credit Card is a premium offering by the bank. The card offers a plethora of premium privileges and benefits, particularly travel benefits. Some of the benefits that come bundled with the Axis Bank Magnus Credit Card are as under-

• Accelerated (2X) EDGE REWARDS Points on travel portals like MakeMyTrip, Yatra, Goibibo, etc.
• Travel benefits include unlimited complimentary domestic airport lounge access and 8 complimentary access to international lounges every year, discounts at Oberoi hotels and a 24×7 hotel concierge service.
• Discounts on movie and event tickets on BookMyShow and dining bills at partner restaurants across the country.
• Travel-related insurance benefits including a personal air accident cover worth Rs. 4.5 crore.
• A 24×7 medical concierge service.

It is the most premium credit card by American Express and comes with a hefty membership fee of Rs. 60,000 every year. It is an American Express Charge Card, i.e. there is no fixed pre-decided credit limit (the limit keeps changing based on the cardholder’s financial behaviour). The card offers you every possible benefits that one can expect from a super premium credit card-

• Bonus Membership Rewards Points and vouchers from some of the most premium hotel chains like Taj, SeleQtions, etc.
• Unlimited complimentary domestic and international airport lounge access along with complimentary Priority Pass membership.
• 3x reward points on all international spends.
• 50% discount at over 1,800 premium restaurants across India.

All these aforementioned premium benefits and privileges make American Express Platinum Credit Card one of the best choices in the super-premium category. The AmEx Platinum Credit Card probably has the highest membership fee in the Indian credit card market. The benefits that it offers, to a degree, do justify the high membership fee. Even though the membership fee is high, but in the last 1 year, American Express has come up with various 100% cashback offers, which offset the fee paid. You might still want to compare the benefits of the American Express Platinum Card with those of HDFC Infinia and ICICI Emeralde credit cards.

It is the most premium credit card by HDFC Bank, and perhaps the most popular credit card in India in the premium segment. The card comes with a annual fee of Rs. 12,500 per year, however, the benefits that the Infinia card offers justify the high membership fee. Some of the important features of the Infinia Credit Card are as under-

• Higher reward rate (5 points for every Rs. 150 spent) and value of each reward point being Re. 1 when redeemed for travel-related spends like flight bookings and hotel reservations. You can also earn up to 33.3% points via HDFC Bank signature Smartbuy offer which is the best in the industry.
• Travel benefits like lower foreign currency mark-up charges, complimentary Club Marriott membership and unlimited complimentary domestic and international airport lounge access with Priority Pass membership.
• Insurance benefits including a personal air accident cover worth Rs. 3 crore (applicable only in case of loss of life), medical emergency cover worth Rs. 50 lakh, etc.

Considering the aforementioned benefits that HDFC Infinia Metal Edition Credit Card comes bundled with, it is definitely one of the best credit cards made in the super-premium category. If you wish to enjoy best-in-class lifestyle privileges, you must have a look at this offering by HDFC.

The Standard Chartered Ultimate Credit Card is a premium offering by the bank. You need to pay an annual fee of Rs. 5,000 every year. The features and benefits that the card comes bundled with are summarised as under-

• 6,000 bonus reward points as a joining benefit.
• 5 reward points for every Rs. 150 spent with the card and 5% cashback on all duty-free purchases at airports. The best part of this card is that you get reward points on utility payments, wallet loading etc, so it’s virtually 3.3% rewards on everything.
• 24×7 concierge service for travel/dining assistance, golf course assistance/referral, art/cultural event bookings, etc.
• Travel-related insurance benefits include a personal air accident cover worth Rs. 1 crore (applicable in case of loss of life in an air accident).

The Emeralde Credit Card offered by ICICI Bank is a super-premium card by the bank. It is in direct competition with HDFC’s Infinia card. Being a credit card from the super-premium category, it offers a plethora of best in class privileges-

• Lower foreign currency mark-up fee (1.5% of the transaction amount) and interest rate (1.99%) and zero cash withdrawal and late payment fee.
• Unlimited domestic and international airport lounge access via Dreanfolks Lounge Access Program membership. Besides lounge access, you also get Spa benefits at various airports in India which is a unique feature.
• 4 complimentary movie tickets every month with a value up to Rs 750 each.
• Credit Shield insurance worth Rs. 50,000, personal air accident cover worth Rs. 3 crore and many other air travel-related insurance benefits (as illustrated later in the article).

Emeralde Credit Card by ICICI Bank is yet another very good option for HNIs (High Net-worth Individuals) who do not want to compromise with their lifestyle needs. One unique feature that makes this card stand out from most other credit cards in the market is that it allows you to choose between monthly and annual membership plans. The membership fee of the Emeralde Credit Card is Rs. 1,000 per month or Rs. 12,000 per annum.

Elite Credit Card is a premium credit card offered by SBI Card. Being a premium offering, it comes loaded with a plethora of top-of-the-line privileges and benefits-

• Complimentary Club Vistara Silver tier membership and one class upgrade voucher and complimentary membership of Trident Privilege Red Tier.
• (Limited) domestic and international airport lounge access.
• Complimentary rounds of golf and golf lessons and discounts on golf games at top golf destinations in the country.
• Complimentary movie tickets. No more buy 1, get 1 free stuff. You get 2 tickets up to Rs 250 each free (just need to pay convenience fees)

If you’re looking for a premium credit card from a PSU card issuer, then this one by SBI Card is certainly an option worth considering.

It is the second most premium offering by HDFC bank. It also comes with an annual fee of Rs. 10,000 per annum and offers various premium benefits and privileges-

• Complimentary annual membership of subscription services like Zomato Gold, Amazon Prime, Times Prime, etc. as a welcome benefit. These memberships are renewed on the expenditure of a minimum of Rs. 8 lakh in a card anniversary year.
• The Smartbuy offer which we discussed in HDFC Infinia Credit Card is also applicable for HDFC Diners Black, so you can earn upto 33.3% reward points.
• Unlimited complimentary international and domestic airport lounge access.
• Insurance benefits like air accidental death cover worth Rs. 2 crores, overseas emergency hospitalization cover worth Rs. 50 lakh, credit liability cover worth Rs. 9 lakh, travel baggage delay cover worth Rs. 55,000.
• A lower foreign currency mark-up fee of 1.9% of the transaction amount.

All these benefits make the Diners Club Black Credit Card by HDFC Bank another very attractive option for HNIs (high net-worth individuals). If you’re looking for a premium HDFC Credit Card, you can not go wrong with either of Infinia and Diners Club Black Credit Cards.

The card is a premium travel credit card by Axis Bank in collaboration with Air Vistara and is among the top credit cards in travel category. You earn Club Vistara Points on all spends via the Vistara Infinite credit card which can be redeemed on the Air Vistara portal for booking Vistara air tickets, class upgrades, award flights, etc. Apart from the CV Points, you also get the following travel benefits with Vistara Infinite credit card-

• Club Vistara Gold Membership and one complimentary business class ticket voucher as a welcome benefit (business class ticket voucher every year once the card membership is renewed).
• Bonus CV Points or complimentary business class tickets on achieving the stipulated spend-based milestones.
• Travel-related insurance benefits including a personal air accident cover worth Rs. 2.5 crore (applicable in case of loss of life), purchase cover worth Rs. 1 lakh, USD 300 cover against loss of travel documents or delay in check-in luggage and USD 500 cover in case of loss of check-in luggage.
• 2 complimentary domestic lounge access per quarter across India.

6E Rewards XL – IndiGo Kotak Bank Credit Card is a sub-premium co-branded travel credit card offered by the Kotak Mahindra Bank. The card is similar to HDFC IndiGo – 6E Rewards XL Credit Card in terms of the benefits and rewards that it offers. 6E Rewards XL – IndiGo Kotak Mahindra Credit Card comes with an annual fee of Rs. 2,500. Some of the main features of 6E Rewards XL – IndiGo Kotak Credit Card are-

• You get welcome benefits worth over Rs. 10,000 with 6E Rewards XL – IndiGo Kotak Bank Credit Card including a free air ticket, free 6E Prime Add-on, Accor hotels stay and dining vouchers and a Budweiser 0.0 gift voucher.
• The card offfers Reward Points as IndiGo 6E Rewards- 20% on spends at IndiGo featured partners, 6% on IndiGo spends, 3% on dining, entertainment and grocery spends and 2% on other categories of spends.
• Apart from the regular reward rate, you are also entitled to value-added benefits like complimentary domestic airport lounge access (8 per annum- max 2 per quarter), Rs. 150 discount on convenience fee on IndiGo spends.

Go IndiGo is the country’s largest airline, therefore, this credit card fall under the category best credit cards for domestic frequent flyers.

Air India SBI Signature credit card is the most premium variant of the SBI Platinum Card. It comes with an yearly fee of Rs. 4,999 per annum and offers you the following travel benefits-

• Complimentary membership to the Air India frequent flyer program.
• You earn accelerated Reward Points on spends on Air India flight bookings (reward rate much higher in comparison with the Air India SBI Platinum credit card).
• Convert Reward Points earned into Air India AirMiles.
• 8 complimentary access to domestic airport lounges every year (max 2 visits per quarter).

If you’re looking for a slightly more premium Air India credit card, then this card can be the card best choice for you as it gives you a fairly high reward rate on Air India bookings.

The IRCTC SBI Card Premier is one of the few IRCTC travel credit cards currently available in the credit card market. Since SBI Card offers this credit card in collaboration with IRCTC, you get many railway benefits with this credit card. Some of them are listed below-

• 10% value back on rail ticket bookings via the IRCTC app/website transferred to the cardholder’s IRCTC loyalty account.
• Transaction charges waived off on rail/air tickets booked from the IRCTC app/website.
• Accommodation at 5,000 plus hotels covering 350 cities across India.
• 8 complimentary railway lounge access every year (max 2 per quarter).
• Complimentary rail and air accident cover worth Rs. 10 lakh and Rs. 50 lakh respectively.
• Reward Points earned on the card are redeemable on the IRCTC app/website if the card is linked with your IRCTC account.

The Platinum Travel Credit Card is a premium travel credit card offered by American Express which comes loaded with a tons of travel benefits. The travel benefits that come bundled with the American Express Platinum Travel Credit Card are as under-

• 4 complimentary domestic airport lounge access annually (one per quarter) and complimentary membership of the Priority Pass lounge access program.
• Vouchers from leading hotel chains like the Taj, SeleQtions, Vivanta hotels as milestone benefits.

Apart from these travel benefits, you get up to a 20% discount on dining bills at American Express partner restaurants. You also get a discount of 10% on purchasing One Plus devices from the official One Plus website.

It is the latest co-branded fuel credit card launched by the ICICI Bank in July in partnership with Hindustan Petroleum Corporation Limited (HPCL) and Visa. The unique feature of this credit card is, although it is a fuel credit card, cardholders can get accelerated reward points on many other categories of spends as well.

• The card earns you 4% cashback and also a 1% fuel surcharge waiver on fuel transactions at all HPCL filling stations across India (a net value back of 5%).
• You get 5 PAYBACK Points per Rs. 100 on all utility and departmental store purchases with the card and 2 PAYBACK Points per Rs. 100 on all other online/offline spends.
• You also get (limited) complimentary domestic airport lounge access with this credit card.
• As it is a fuel credit card, ICICI Bank also provides you with a 24×7 Road Assistance Service (RAS) including onsite vehicle repair, over-the-phone assistance, replacement/locked or lost keys, flat tire support, etc.

Given all these benefits, the recently launched ICICI HPCL Super Saver Credit Card seems to be one of the most attractive offerings not only amongst fuel credit cards but also in the entry-level segment in general, as with this credit card, you get a higher reward rate not just on fuel spends, but across many other categories of spends as well.

The first co-branded credit card by IDFC First Bank in partnership with HPCL, the FIRST Power+ credit card allows you to save almost Rs. 18,500 per year which can earn you almost 175 litres of free fuel. The card has a joining fee of Rs. 499 but you get it a zero joining fee until 30th April 2023 as an introductory offer. Apart from welcome benefits worth Rs. 1650, you get complimentary domestic lounge access, up to 25% discount on movie tickets, roadside assistance, etc. Let’s read about the features and benefits of this card in detail:

• Up to 6.5% savings on fuel spends
• 4% savings on LPG and HPCL fuel spends, 1.5% savings on payment through HP Pay App, and 1% fuel surcharge waiver
• 5% savings on grocery and utility bills
• 5% savings as reward points on IDFC FASTag recharge
• 3x reward points on other retail spends
• Up to Rs. 500 cashback on on 1st HPCL transaction above Rs. 500 or more
• Up to Rs. 150 discount on Swiggy orders on orders above Rs. 500
• Up to Rs. 500 off on ZoomCars rental
• Up to 25% discount on movie tickets and 505 discount on international and domestic car rentals

Kotak Mahindra and IndianOil recently launched their co-branded fuel credit card offering great fuel benefits along with other benefits. Cardholders get rewarded whenever they refuel at any of the 34,000 IndianOil outlets across India along with dining, grocery, and other benefits. You also earn Reward points on spends that can be redeemed for cashback, free fuel, and products on Kotak Rewards portal. You can get up to 60 litres of free fuel per year with this card. Here are the features and benefits of this card:

• Welcome benefit of 1000 Reward points on spending Rs. 500 or more within a month of card issuance.
• 12 Reward points per Rs. 150 spent on grocery and dining, and 24 Reward points per Rs. 150 spent on IndianOil outlets
• 3 Reward points per Rs. 150 spent on everything else
• Annual fee waiver on spending Rs. 50,000 or more in the card anniversary year
• 1% fuel surcharge waiver and personal accident insurance cover worth Rs. 2 Lakhs
• RuPay contactless transactions up to Rs. 5000

This is another entry-level fuel credit card by SBI Card in collaboration with Bharat Petroleum Corporation Limited (BPCL). You get the following benefits with BPCL SBI Credit Card-

• Enjoy welcome benefit of 2,000 Reward Points with the BPCL SBI Credit Card.
• The card earns you 1 Reward Point per Rs. 100 spent. You get a 5x reward rate on departmental stores, groceries and movie spends and a 13x reward rate at BPCL filling stations.
• 1% fuel surcharge waiver.

BPCL SBI Credit Card can be a very good option in the entry-level fuel cards category. This card gives a direct competition to the ICICI HPCL Super Saver Credit Card.

It is an entry-level shopping credit card by Standard Chartered Bank. The unique feature of this card is that it rewards you both in terms of cashback as well as reward points depending upon the category of transaction. You earn a cashback of 5% on fuel purchases and utility bill payments and 1 reward point on all other categories of spends. As a welcome benefit, you get a 100% surcharge waiver on fuel purchases (up to Rs. 1,500) in the first 90 days of card activation. Some of the main features of Standard Chartered Super Value Titanium Credit Card are as under-

• 100% cashback on fuel purchases within 90 days of card issuance as a welcome benefit.
• 5% cashback on fuel purchases, and phone and other utility bill payments.
• 1 Reward Point for every Rs. 100 spent on all other categories.
• Premium banking customers are entitled to complimentary membership of the Priority Pass lounge access Program.

RBL Bank launched the Edition Credit Card in collaboration with the food delivery app Zomato, which is one of the top credit cards in India in the category of dining. It is a mid-level credit card and comes with an annual fee of Rs. 1,499 per annum. You get the following benefits with the Edition Credit Card-

• Complimentary Zomato Gold Membership (automatically renewed every year).
• The card earns you Reward Points as Edition Cash, which is redeemable on the Zomato app/website. The Edition Cash can also be adjusted against the card’s statement balance. 1 Edition Cash = Re. 1.
• You earn 10 Edition Cash for every Rs. 100 spent on Zomato app/website, 2 Edition Cash for every Rs. 100 spent on other online food platforms and 1 Edition Cash per Rs. 100 on all other online/offline spends.
• Apart from these dining benefits, you also get travel benefits including complimentary access to domestic airport lounges and a lower foreign currency mark-up fee (1.5% of the transaction amount) with the RBL Bank Edition Credit Card.

All these benefits and privileges make the Edition Credit Card by RBL bank a very attractive option for those who frequently order food online. As a bonus, you also get a couple of travel benefits with this card.

The EazyDiner Indusind Bank Credit Card is a co-branded credit card offered by IndusInd Bank in partnership with EazyDiner. The card carries an annual fee of Rs. 1,999 and welcomes you with 2,000 Eazy Points. Cardholders also get Complimentary EazyDiner Prime annual membership which is renewed every year on the payment of the renewal fee. Though the card is meant to provide great benefits in Dining, with this card, one can also enjoy other benefits like complimentary access to domestic lounges, complimentary movie tickets, and much more. Following are the features of this card:

• Earn Up to 10 Reward Points for spends made with the card.
• Complimentary EazyDiner Prime annual membership.
• 2 complimentary access to domestic lounges per quarter.
• Up to 50% extra discount on dining spends.

The BookMyShow RBL Bank PLAY Credit Card is a co-branded credit card issued by RBL Bank in collaboration with BookMyShow. The card is exclusively designed to provide cardholders with great Entertainment benefits. As a welcome benefit, the cardholders can claim a discount of Rs. 500 on movies/events/sports/streaming or other ticket bookings on BookMyShow. Following are the important features of the credit card:

• Discount of up to Rs. 100 on food & beverages when booking movie tickets.
• 2 complimentary tickets worth up to Rs. 250 each every month based on spends.
• 1% fuel surcharge waiver.

If you’re a movie buff, there can not be a better credit card choice than the PVR Kotak Platinum Credit Card. You don’t have to pay any joining fee for this card, however a renewal fee of Rs. 999 per annum which is payable second year onwards. Some of the key features of the PVR Kotak Platinum Credit Card as under-

• 2 PVR tickets every monthly on crossing the monthly spends threshold of Rs. 10,000.
• 15% cashback on food and beverage purchases at PVR and 5% cashback on PVR movie tickets.
• Complimentary insurance cover worth Rs. 75,000 against fraudulent use of the card.