By Ankur Mittal
Updated On October 12, 2021

An ideal credit card is supposed to come with a high reward rate, low interest rate and forex mark-up fee and offer complimentary benefits like airport lounge access, golf rounds/lessons, etc, at a very less or zero membership fee. But that sounds like a very utopian idea. It’s not monetarily feasible for card issuers to offer such a rewarding credit card that too at a nominal or nil membership fee. Therefore, what they do instead is, offer credit cards that are best suited for a particular category of customers based on their spending habits. No one credit card can be termed as “the best” for everyone. A card can be the best for a frequent flyer, but a letdown for a movie buff. We have handpicked the best credit cards in India from various categories, so that you may find the one that fits your spending habits the best.

Super Premium Credit Cards:

American Express Platinum Credit Card:

American Express Platinum Card

Welcome Benefits

1,00,000 Membership Rewards Points or Taj, SeleQtions, and Vivanta Hotels’ vouchers worth Rs. 45,000.

Rewards Rate

1 Membership Rewards Point on every Rs. 40, 3X Points on all international spends, and 5X Rewards Points on transactions via Reward Multiplier portal.

Joining Fees

Rs. 60,000 (plus applicable taxes)

It is the most premium credit card by American Express and comes with a hefty membership fee of Rs. 60,000 per annum. It is an American Express Charge Card, i.e. there is no fixed pre-decided credit limit (it keeps changing based on the cardholder’s financial behavior). The card offers you all the benefits that one expects 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 and 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 last 1 year, AmEx has provided various 100% cashback offers like the recent 100% cashback up to Rs 30,000 on flipkart and myntra, which offset the fees 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.

HDFC Bank Infinia Credit Card:

Invite Only

Welcome Benefits

10,000 bonus Reward Points and Complimentary Club Marriott membership for first year.

Rewards Rate

5 Reward Points for every Rs. 150 spent,  reward rate of up to 3.3%

Joining Fees

Rs. 10,000 (plus applicable taxes)

It is the most premium credit card by HDFC Bank and comes with a membership fee of Rs. 10,000 per annum. However, the benefits that the Infinia card offers justify the high membership fee. Some of the key features of the Infinia Credit Card are as under-

  • Higher reward points (5 points for every 150 rs spent) and value of each reward point being Re 1 when redeemed for Travel. You can also earn up to 33.3% points via HDFC Bank signature Smartbuy offer which is the best in 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 Credit Card comes bundled with, it is definitely one of the best credit cards 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.

Citi Prestige Credit Card:

Citi Prestige Credit Card

Welcome Benefits

2,500 bonus reward points and a benefit worth Rs. 10,000 from ITC hotels or the Taj group.

Rewards Rate

1 Reward Points for every Rs. 100 on domestic spends, 2 Reward Points for every Rs. 100 on international spends.

Joining Fees

Rs. 20,000 (plus applicable taxes)

The Prestige Credit Card is the most premium offering by Citibank. It comes with a plethora of premium benefits including-

  • Bonus reward points(2x points on all international spends) and complimentary hotel vouchers from some of the top hotel chains.
  • Citibank Prestige card has the highest number of airlines and hotels conversion partners.
  • Unlimited complimentary domestic and international airport lounge access with the Priority Pass membership.
  • Complimentary golf rounds/lessons at some of the most premium golf courses in the country.
  • Insurance benefits including a personal air accident cover worth Rs. 5 crores and credit card liability cover worth Rs. 50 lakh.

Standard Chartered Ultimate Credit Card:

Welcome Benefits

6,000 reward points redeemable for shopping vouchers or charity spends under the Standard Chartered 360° rewards program.

Rewards Rate

5 Reward Points for every Rs. 150 spent

Joining Fees

Rs. 5,000

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

  • 6,000 bonus rewards points as a joining benefit.
  • 5 reward points per 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 including a personal air accident cover worth Rs. 1 crore (applicable in case of loss of life in an air accident).

ICICI Bank Emeralde Credit Card:

ICICI Bank Emeralde Credit Card

Welcome Benefits

N/A

Rewards Rate

4 PAYBACK points on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 PAYBACK point on every Rs. 100 spent on utilities and insurance

Joining Fees

Rs. 1,000 (plus applicable taxes) for monthly plan, Rs. 12,000 (plus applicable taxes) for annual plan

The Emeralde Credit Card by ICICI Bank is a super-premium offering by the bank. It is in direct competition with HDFC’s Infinia card. Being a super-premium credit card, it comes with 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 Program membership. Besides lounge access you get Spa benefits at various airports in India which is a unique feature.
  • 4 complimentary movie tickets a month value upto 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 who don’t want to compromise with their lifestyle needs. One unique feature that memes 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.

SBI ELITE Credit Card:

SBI Elite Credit card

Welcome Benefits

Gift voucher worth Rs. 5,000 from any one of  Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

Rewards Rate

2 Reward Points on every Rs. 100 on all spending except fuel (reward rate of 0.5%), 5X Reward Points on dining, departmental stores and grocery spends (reward rate of 2.5%)

Joining Fees

Rs. 4,999 (plus applicable taxes)

The Elite Credit Card is a premium credit card by SBI cards. 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 cards is certainly an option worth considering.

Axis Bank Magnus Credit Card:

Axis Bank Magnus Credit Card

Welcome Benefits

Choose any one- Tata Cliq voucher or a complimentary domestic flight ticket worth Rs. 10,000.

Rewards Rate

12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 2X Points on MakeMyTrip, Yatra, Goibibo, etc.

Joining Fees

Rs. 10,000 + GST

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 bundelled 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 including unlimitted complimentary domestic airport lounge access and 8 complimentary international lounge access every year, discount 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.

HDFC Bank Diners Club Black Credit Card:

HDFC Bank Diners Club Black Credit Card

Welcome Benefits

Complimentary Club Marriott, Amazon Prime, Zomato Gold, Forbes, Times Prime, and MMTDOUBLEBLACK memberships for a year.

Rewards Rate

5 Reward Points for every Rs. 150 spent (reward rate of up to 3.3%), accelerated Reward Points on SmartBuy

Joining Fees

Rs. 10,000 (plus applicable taxes)

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

  • Complimentary annual membership of subscription platforms like Amazon Prime, Zomato Gold, Times Prime, etc. as a Welcome Benefit. These memberships are renewed on the expenditure of Rs. 8,00,000 in an 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 domestic and international 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’t go wrong with either of Infinia and Diners Club Black Credit Cards.

Lifestyle Credit Cards:

HDFC Regalia Credit Card:

HDFC Bank Regalia Credit Card

Welcome Benefits

2,500 Reward points

Rewards Rate

4 reward points on every spend of Rs. 150.

Joining Fees

Rs. 2,500 (plus applicable taxes)

HDFC Regalia Credit Card is one of the most popular lifestyle Credit Cards in the Indian Credit Card market. This should be the card of choice for those professionals who are financially well settled. This 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 key features of the HDFC Regalia Credit Card are as under-

  • It is a Reward Points based credit card- you get 4 Reward Points for every Rs. 150 spent (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 the anniversary year.
  • You get 8 complimentary domestic and 6 complimentary international airport lounge visits every year.
  • The card entitles you to a 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.

IndusInd Pinnacle Credit Card:

Indusind Pinnacle Credit-Card

Welcome Benefits

Choose any of these options: A complimentary night stay at Oberoi hotels, a Luxe gift card, or gift vouchers from brands like BATA, Vero Moda, ALDO, Titan, etc.

Rewards Rate

Earn 2.5 reward points on every Rs 100 spent online, 1.5 reward points on every Rs 100 on online travel and flight bookings,  1 RP on every Rs 100 spent on every other purchase.

Joining Fees

Rs 12,999/- plus applicable taxes

It is a sub-premium lifestyle credit card by IndusInd Bank. It comes with a membership fee of Rs. 12,999 but you may even get the card for free and offers a host of benefits. Some of them are as under-

  • Gift vouchers from some of the most premium hotel chains like Oberoi hotels and Montblanc India as a welcome benefit.(Only on paid variant)
  • Complimentary shopping vouchers from partner brands like Bata, Vero Moda, Titans, Aldo, etc.(Only on paid variant)
  • For all online spends you get 2.5 reward points for every Rs 100 spent. These reward points can be converted to statement credit in ratio 1 RP = 1 Re. So you are literally getting 2.5% cashback on online purchases.
  • Entertainment benefits like Buy 1 Get 1 offer and a discount of 20% on movie ticket bookings at BookMyShow.
  • Travel benefits including a complimentary Priority Pass membership and (limited) complimentary domestic/international airport lounge access.
  • Travel-related insurance benefits including insurance covers against loss/delay of check-in baggage, loss of Passport, loss of ticket, etc.

 

If you’re looking for a credit card in the sub-premium range, the Pinnacle card from IndusInd can be a good pick for you as it offers very attractive travel, insurance and entertainment benefits.

SBI Prime Credit Card:

SBI Prime Credit Card

Welcome Benefits

Gift voucher worth Rs. 3,000 from any one of Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com

Rewards Rate

10 Reward Points per Rs. 100 on dining, groceries, departmental stores and movie spends, 2 Reward Points per Rs. 100 on all other retail spends

Joining Fees

Rs. 2,999 (plus applicable taxes)

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

  • Travel benefits including complimentary Club Vistara Silver tier membership and Trident Privilege membership.
  • (Limited) domestic and international airport lounge access.
  • Complimentary rounds of golf and golf lessons every month.
  • Insurance benefits including a cove 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’s not a super premium credit card, it does offer fairly good rewards and benefits.

Axis Bank Select Credit Card:

Axis Bank Select Credit Card

Welcome Benefits

Amazon voucher worth Rs. 2,000 on making the first transaction within 90 days of card issuance.

Rewards Rate

10 EDGE Points per Rs. 200 spent and 20 EDGE Points per Rs. 200 spent on retail shopping.

Joining Fees

Rs. 3,000 (plus applicable taxes)

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. Select credit card offers a host of benefits for all categories of spends-

  • Amazon voucher worth Rs. 2,000 on making the first transaction within 90 days of card issuance as a welcome benefit.
  • 8 complimentary domestic airport lounge access per year (max 2 per quarter) and 6 complimentary international lounge access every year under the Priority Pass membership.
  • 6 complimentary rounds of golf every year and 3 additional rounds on the expenditure of Rs. 3 lakh or above in a year.
  • Personal air accident cover worth 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.

Bank of Baroda Eterna Credit Card:

Bank of Baroda Eterna Credit Card

Welcome Benefits

6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.

Rewards Rate

15 reward points / Rs. 100 on online shopping, travel, movie, and dining spends (max cap of 5,000 points at this rate), 3 reward points/ Rs. 100 for spends on all other categories.

Joining Fees

Rs. 2,499 + GST

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

  • Travel-related benefits like accelerated Reward Points on travel-related spends, personal air accident cover worth Rs. 1 crore, lower foreign currency mark-up fee (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.

HDFC Millennia Credit Card:

HDFC Bank Millennia Credit Card

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

Rewards Rate

5% cashback back (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel)

Joining Fees

Rs. 1,000 (plus applicable taxes)

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 earns 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 this cashback.

ICICI Bank Sapphiro Credit Card:

ICICI Bank Sapphiro Credit Card

Welcome Benefits

Get exclusive travel & shopping gift vouchers worth more than Rs. 9,000 and get a cashback of Rs. 750 on spending Rs 20,000 within 60 days of issuance of the Sapphiro AmEx card.

Rewards Rate

On every Rs. 100 spent, get 6 PAYBACK Points on international purchases & 3 PAYBACK Points on domestic purchases through the AmEx variant and get 4 PAYBACK Points on international purchases & 2 PAYBACK Points on domestic purchases through the Mastercard variant.

Joining Fees

Rs. 6,500 (plus applicable taxes)

The Sapphiro Credit Card is the second most premium offering by ICICI bank only next to the Emeralde credit card. You have to pay a membership fee of Rs. 6,500 per annum for this credit card. The Sapphiro Credit Card also comes loaded with many attractive benefits for all categories of customers. The card comes in two variants- AmEx and MasterCard variants. The AmEx variant has the upper hand in terms of the benefits that it offers. Some of the important features and benefits of the Sapphiro Credit Card are summarised as under-

  • (Limited) complimentary domestic and international airport lounge access with both American Express and MasterCard variants.
  • Complimentary golf sessions at some of the most premium golf destinations across India.
  • Discounts on movie tickets and dining at partner restaurants.
  • Air accident insurance worth Rs 3 crores, Credit Shield Cover worth Rs 50,000 and other travel-related Insurance Covers.

Entry Level Credit Cards:

SBI SimplyCLICK Credit Card:

SBI SimplyCLICK credit card

Welcome Benefits

Amazon gift voucher worth Rs. 500

Rewards Rate

1 Reward Point per Rs. 100 on offline spends (reward rate = 0.25%), 10X Reward Points on online spends at partner merchants (Amazon, BookMyShow, Apollo24x7, etc.) (reward rate = 2.5%), 5X Reward Points on other online spends (reward rate = 1.25%)

Joining Fees

Rs. 499 (plus applicable taxes)

With a nominal membership fee of Rs. 499 per annum, SBI SimplyCLICK Credit Card is an entry-level card by SBI Cards 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-voucher and annual fee reversal on achieving the stipulated spends-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 per Rs. 100 on offline spends.

 

Given its high reward rate on online spends, SBI SimplyCLICK Credit Card is one of the most popular entry-level credit cards 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:

Axis Bank ACE Credit Card

Welcome Benefits

N/A

Rewards Rate

5% cashback on bill payments & recharges via Google Pay, 4% cashback on Zomato, Swiggy & Ola, 2% cashback on all other spends.

Joining Fees

Rs. 499 + GST

Axis Bank ACE credit Card is a very attractive entry-level offering by Axis Bank. The card comes with an annual membership fee of just 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. Some of 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.
  • Up to 20% discount on dining bills at partner restaurants with the bank’s Dining Delights program.

American Express SmartEarn Credit Card:

American Express Smart Earn Credit Card

Welcome Benefits

Cashback of Rs. 500 on spends of Rs. 10,000 within 90 days of card issuance.

Rewards Rate

1 Membership Reward Point/Rs. 50 spent (with a few exceptions), accelerated Reward Points on Amazon and Flipkart (10X), Uber (10X) and on other merchants like Paytm, Swiggy, PVR, etc (5%).

Best Suited For

Shopping

Movie

5X Membership Rewards Points on spends on BookMyShow and PVR Cinemas.

Dining

Membership Rewards Points redeemable for online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.

Joining Fees

Rs. 495 (plus applicable taxes)

The 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 earns you 1 Membership Rewards Point per Rs. 50, you 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. Some of the key features of AmEx SmartEarn Credit Card are as under-

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

Citi Cash Back Credit Card:

Citi Cash Back Credit Card

Welcome Benefits

NA

Rewards Rate

0.5% cashback on all spends and a 5% cashback on telephone bills, movie tickets, and utility bill payments.

Joining Fees

Rs. 500 (plus applicable taxes)

As is obvious from the name, it is an entry-level cashback credit card and comes with a membership fee of just Rs. 500 per annum. You earn cashback on all categories of spends with the Citi Cash Back Credit Card. The card earns you accelerated cashback on movie tickets and utility bill payments. You also get special discounts on travel and dining spends (with specific partner merchants). Some of the key features of the card are as under-

  • 5% cashback on telephone bill payments and movie ticket purchases.
  • 5% cashback on utility bill payments through Citibank Online Bill Pay.
  • 0.5% cashback on all other categories of spends with the card.
  • 20% discount on dining bills at participating restaurants.
  • Up to 30% savings on Swiggy and up to 50% savings on Zomato.

Standard Chartered Super Value Titanium Credit Card:

Standard Chartered Super Value Titanium Credit Card

Welcome Benefits

Cashback of up to 1,500 on fuel transactions within first 90 days.

Rewards Rate

You get up to 5% cashback on fuel transactions, utility bills payments, telephone bills and 1 reward point on every Rs 150 spent on other categories

Joining Fees

Rs. 750 plus applicable taxes
Nil (for premium banking customers)

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 on 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% waiver on fuel purchases (up to Rs. 1,500) in the first 90 days of card issuance. Some of the salient 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 per Rs. 100 on all other categories of spends.
  • Premium banking customers are entitled to complimentary membership of the Priority Pass Program with the card.

IDFC First Classic Credit Card:

IDFC FIRST Classic Credit Card

Welcome Benefits

Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days.

Rewards Rate

3 Reward Points on every offline spend of Rs. 100 & 6 Reward Points on every online spend of Rs. 100.

Joining Fees

Nil

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

  • Gift voucher worth Rs. 500 on spending a minimum of Rs. 15,000 in the first 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 per Rs. 100 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 in the entry-level category.

Shopping Credit Cards:

Amazon Pay ICICI Bank Credit Card:

Amazon Pay ICICI Bank Credit Card

Welcome Benefits

Rs. 300 to Rs. 600 Amazon Pay Balance (keeps changing)

Rewards Rate

5% cashback on Amazon India for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner merchants accepting Amazon Pay, 1% cashback on all other payments except fuel purchases

Joining Fees

Nil

AmazonPay ICICI Bank Credit is one of the most popular shopping credit cards in India right now. It is a lifetime free credit card launched by ICICI Bank in partnership with Amazon. 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 non-Prime members.
  • 2% cashback on payments made to over 100 Amazon Pay partner merchants.
  • 1% cashback on all 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 for you if you prefer Flipkart over Amazon for online shopping.

Flipkart Axis Bank Credit Card:

Flipkart Axis Bank Credit Card

Welcome Benefits

Welcome benefit worth Rs. 2,500 on card issuance, benefit of up to Rs. 900 on Gaana app (Gaana Plus membership worth Rs. 1,299 for Rs. 399), discounts and cashback on first transaction on Myntra, The Phy Life and Plum Goodness

Rewards Rate

5% cashback on Flipkart and Myntra, 4% cashback on prefered partners (Swiggy, Uber, PVR and cure.fit) and 1.5% cashback on all other spends.

Joining Fees

Nil

This co-branded offering by Axis Bank in partnership with Flipkart gives tough competition to the Amazon Pay ICICI Bank credit card. Flipkart Axis Bank Credit 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 payments network, now, since MasterCard is not allowed to onboard new customers, Axis Bank is issuing this card on the Visa payments network. Following are some of the key features of the Flipkart Axis Bank Credit Card-

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

Paytm SBI Card Select:

Paytm SBI Credit Card Select

Welcome Benefits

Get a Complimentary Paytm First Membership is provided on card activation as welcome offer. Welcome Cashback of Rs 750 is provided to the card holder upon activation of the credit card in your Paytm wallet.

Rewards Rate

5% cashback on Paytm Mall, Movies, Travel. 2% cashback on all other purchases on Paytm App. 1% cashback on other online and offline spends.

Joining Fees

Rs 1,499 plus GST

It is a co-branded credit card by SBI Cards in collaboration with Paytm. The card comes with a membership fee of Rs. 1,499. The salient features of this credit card are summarised 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 all other online/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 domestic lounge access 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 stipulated spends-based milestones.

Travel Credit Cards:

Axis Bank Vistara Infinite Credit Card:

Axis Bank Vistara Infinite Credit Card

Welcome Benefits

1 Complimentary Business Class ticket voucher

Rewards Rate

6 CV (Club Vistara) Points for every Rs. 200 spent

Joining Fees

Rs. 10,000 (plus applicable taxes)

It is the most premium travel credit card by Axis Bank in collaboration with Air Vistara. 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 the 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 the card membership is renewed).
  • Bonus CV Points or complimentary business class tickets on achieving the stipulated spends 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 lounge access per quarter at select domestic airports across India.

6E Rewards XL – IndiGo HDFC Bank Credit Card:

6E Rewards XL Indigo HDFC Bank Credit Card

Welcome Benefits

1 Complimentary 6E Prime Add-On, 1 complimentary air ticket worth Rs. 3,000, Welcome vouchers from merchants like Nissin Noddles, Budweiser worth Rs. 250 each and Samsonite-or American Tourister worth Rs. 500.

Rewards Rate

5% 6E Rewards on IndiGo, 3% 6E Rewards on dining, grocery and entertainment, and 2% 6E Rewards on all other spends.

Joining Fees

Rs. 2,500 plus applicable taxes (zero fee variant also available as a limited period offer)

As the name suggests, it is a co-branded credit card by HDFC bank in partnership with IndiGo. The card comes in two variants – free variant and paid variant (membership fee of Rs. 2,500). The card offers a plethora of travel benefits to domestic travelers which are summarised as under-

  • Reward Points as IndiGo 6E Rewards (accelerated 6E Rewards on Indigo spends) which are redeemable on the IndiGo 6E Rewards portal for 6E Rewards Benefits including IndiGo flights.
  • Complimentary 6E Prime Add-on and an IndiGo air ticket worth Rs. 3,000 as a welcome benefit on making a minimum of 3 transactions in each of the first 3 months of the card set up. These welcome benefits are applicable only for the paid variant of the card.
  • 8 complimentary domestic lounge access per year (max 2 per quarter).

 

Go IndiGo is the country’s largest airline, therefore, this credit card can be a really good option for domestic frequent flyers.

Air India SBI Signature Credit Card:

Air India SBI Signature credit card

Welcome Benefits

20,000 reward points worth Rs. 5,000

Rewards Rate

30 reward points per Rs. 100 on tickets booked for self and 10 reward points per Rs. 100 on tickets booked for others through airindia.com and 10 reward points per Rs. 100 on tickets booked for self and others through Air India Booking office or call centers

Joining Fees

Rs. 4,999 (plus applicable taxes)

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

  • Complimentary membership of 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).
  • The Reward Points earned can be converted into Air India AirMiles.
  • 8 complimentary domestic airport lounge access every year (max 2 per quarter).

 

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

Etihad Guest SBI Premier Card:

Etihad Guest SBI Premier Card

Welcome Benefits

5,000 Etihad Guest Miles, complimentary Etihad Guest Gold tier status post first card transaction, 2 Free Wifi vouchers on first Etihad Airways booking.

Rewards Rate

6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com, 4 Etihad Guest Miles for every Rs. 100 spent for international purchases, and 2 Etihad Guest Miles on all other spends (except fuel purchases). A max cap of 40,000 Miles per year is applicable

Joining Fees

Rs. 4,999 (plus applicable taxes)

It is a premium travel credit card by SBI cards in collaboration with the UAE-based Etihad Airways airline. The card comes with a membership fee of Rs. 4,999 and offers you a plethora of travel benefits, which are summarised as under-

  • Etihad Gold Tier status and complimentary 5,000 Etihad Guest Miles as a welcome benefit.
  • You earn Etihad Guest Miles on all categories of spends (accelerated Etihad Guest Miles on Etihad.com and international spends).
  • 10% discount on direct Etihad airways bookings and 10% discount on rewards/miles redemption.
  • 8 domestic lounge access every year (max 2 per quarter) and 4 international lounge access every year (max 2 per quarter).
  • Overseas air accidental insurance cover worth Rs. 50 lakh and a cover worth USD 1,000 against the loss on check-in baggage.

 

Considering the aforementioned travel benefits, it’d be safe to conclude that if you’re looking for a premium credit card and you’re a frequent flyer to middle-east destinations like Dubai, you can not go wrong with this one as it offers a fairly high reward rate, particularly on the Etihad Airways portal. On top of that, you also get a discount of 10% on bookings made directly on Etihad.com.

Standard Chartered Emirates World Credit Card:

Standard Chartered Emirates World Credit Card

Welcome Benefits

4,000 bonus miles

Rewards Rate

3 Skywards miles on every Rs. 150 spent, 6 Skywards miles on every Rs. 150 spent on Emirates.com.

Joining Fees

Rs. 3,000

It is a co-branded travel credit card by Standard Chartered Bank in partnership with the UAE-based Emirates airline. The travel benefits that you get with this credit card as under-

  • You earn rewards as Emirates Skywards MIles on all categories of spends with this credit card.
  • Complimentary domestic airport longe access under the MasterCard domestic lounge program and 2 complimentary domestic and international lounge visits with Priority Pass membership on minimum monthly spends of Rs. 10,000.
  • Travel-related insurance benefits including an accidental death (in an air accident) cover worth Rs. 1 crore.

IRCTC SBI Card Premier:

IRCTC SBI Card Premier

Welcome Benefits

1,500 Reward Points

Rewards Rate

1 Reward Points on every Rs. 125 you spend

Joining Fees

Rs. 1,499

The IRCTC SBI Card Premier is one of the few IRCTC travel credit cards currently available in the market. Since SBI offers this 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 on rail/air tickets booked from 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.
  • Rewards Points earned on the card are redeemable on IRCTC app/website if the card is linked with your IRCTC account.

American Express Platinum Travel Credit Card:

American Express Platinum Travel Credit Card

Welcome Benefits

10,000 Membership Rewards Points

Rewards Rate

2 Membership Rewards Points for every Rs. 100 spent.

Joining Fees

Rs. 3,500 (plus applicable taxes)

The Platinum Travel Credit Card is a premium travel credit card by American Express and comes loaded with a plethora of travel benefits. The travel benefits that come bundled with the AmEx Platinum 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 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.

Citibank PremierMiles Credit Card:

Citibank PremierMiles Credit Card

Welcome Benefits

10,000 Miles on the spends of Rs. 1,000 or more in the first 2 months of card issuance.

Rewards Rate

10 Miles/Rs. 100 spent for airline transactions and 4 Miles/Rs. 100 spent for all other transactions.

Joining Fees

Rs. 3,000 (plus applicable taxes)

The PremierMiles credit card by Citibank is a premium offering by the bank in the travel category. The card is offered in two variants- the Visa variant and the MasterCard variant. It comes with a membership fee of Rs. 3,000 per annum and offers you the following travel benefits-

  • You earn AirMiles (or just Miles) on all categories of spends which can be redeemed for air ticket bookings or can be transferred to other airlines and hotels loyalty programs.
  • 10,000 Miles as a welcome gift on the expenditure of a minimum of Rs. 1,000 within 60 days of card issuance.
  • You get 3,000 Miles complimentary every time the card membership is renewed.
  • 10 Miles for every Rs. 100 spent on airline transactions or on the bank’s Premier Miles portal with Citibank PremierMiles Credit Card, and 4 Miles/Rs. 100 spent for all other expenditures.
  • 8 complimentary domestic lounge access with the Visa variant and 6 domestic lounge access with the Mastercard variant of the card.
  • Up to 20% discount on dining bills at partner restaurants.
  • Complimentary insurance covers including a personal air accident cover worth Rs. 1 crore and a lost card liability cover worth Rs. 10 lakh.

Fuel Credit Cards:

ICICI HPCL Super Saver Credit Card:

ICICI Bank HPCL Super Saver Credit Card

Welcome Benefits

2,000 PAYBACK Points on realization of membership fee within 2 months and expenditure of a minimum of Rs. 5,000 within the first 45 days of card set up; Rs. 100 cashback on HP Pay app on first transaction of Rs. 1,000 or above made via the app.

Rewards Rate

4% cashback on fuel purchases at all HPCL stations, 5% cashback as PAYBACK points on utility and departmental store purchases, 2 PAYBACK points per Rs. 100 spent for all other domestic and international transactions.

Joining Fees

Rs. 500 (plus applicable taxes)

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

  • The card earns you 4% cashback and a 1% fuel surcharge waiver on fuel purchases at all HPCL filling stations across India.
  • 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 a 24×7 Road Assistance Service (RAS) with this credit card including over-the-phone assistance, onsite vehicle repair, replacement/locked or lost keys, flat tyre support, etc.

 

Given all these benefits, the recently launched ICICI HPCL Super Saver Credit Card seems to be one of the most attractive offerings in the entry-level segment, 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.

BPCL SBI Credit Card:

BPCL SBI Credit Card

Welcome Benefits

2,000 Bonus Reward Points and BookMyShow voucher worth Rs. 250

Rewards Rate

1 Reward Point per Rs. 100 (reward rate = 0.25%), 5X Reward Points on dining, movies, departmental stores, and groceries (reward rate = 1.25%), 13X Reward Points at BPCL pumps (reward rate = 3.25%)

Joining Fees

Rs. 499 (plus applicable taxes)

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

  • You get a 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 5X reward rate on departmental stores, groceries and movie spends and 13X reward rate at BPCL filling stations.

 

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.

IndianOil Citi Credit Card:

IndianOil Citi Credit Card

Welcome Benefits

250 Turbo Points as a welcome gift

Rewards Rate

1 Turbo Point per Rs. 150 you spend, 2 Turbo Points per Rs. 150 you spend at supermarkets, and 4 Turbo Points on every Rs. 150 spent on fuel.

Joining Fees

Rs. 1,000 (plus applicable taxes)

As is obvious from the name itself, it is a co-branded credit card by Citibank in partnership with IOCL. You earn Reward Points as Turbo Points on this credit card. The card comes with 250 Turbo Points as a welcome benefit. You earn-

  • 4 Turbo Points per Rs. 150 spent on fuel purchases at authrised IndianOil outlets.
  • 2 Turbo Points per Rs. 150 spent on grocery purchases and spends at supermarkets.
  • 1 Turbo Point per Rs.150 on all other spends.

Movie and Dining Credit Cards:

RBL Bank Edition Credit Card:

RBL Bank Edition Credit Card

Welcome Benefits

Complimentary Zomato pro membership.

Rewards Rate

10 Edition Cash for every Rs. 100 spent on Zomato, 2 Edition Cash for every Rs. 100 spent online and on all other food purchases, 1 Edition Cash/Rs. 100 on all other spends.

Joining Fees

Rs. 1,499 + GST

RBL Bank launched the Edition Credit Card in collaboration with the food delivery app Zomato. It is a mid-level credit card and comes with a membership 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 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 on every Rs. 100 spent on Zomato app/website, 2 Edition Cash on 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 domestic airport lounge access 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.

PVR Kotak Platinum Credit Card:

Welcome Benefits

NA

Rewards Rate

NA

Joining Fees

Nil

If you’re a movie buff, there can not be a better credit card 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 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 beverages purchases at PVR and 5% cashback on PVR movie tickets.
  • Complimentary insurance cover worth Rs. 75,000 against unauthorized use of the card.

Bottom Line:

Choosing the right credit card in India can be a daunting task unless you are very clear about your spending needs. But, if that is not the case, you must first evaluate your spending habit. For that, you should determine what portion of your credit card bill do the various categories of spends account for. This data will make the choice easier for you. It’ll obviously be better to go for a card that gives you maximum benefit on your favrouite spends category. Now, you may utilise our list of top credit cards in different categories.

FAQs:

Card issuers offer Super Premium Credit Cards exclusively for HNIs (high new-worth individuals). These credit cards offer a high reward rate across almost all categories of spends, but come a high membership fee. Super Premium cards are either invite-only or have a very strict eligibility criteria. Infinia card by HDFC and Emeralde card by ICICI are two of the most popular super-premium offerings in India.

Lifestyle credit cards also offer a decent reward rate on almost all spends categories like shopping, movies and dinning. Although, the reward rate of these cards is not as high as that of Super Premium cards, they are a great choice if you want a generic credit card that doesn’t come with a very high membership fee. HDFC Regalia and ICICI Sapphiro are two of the most popular lifestyle credit cards.

A travel credit card usually offers complimentary domestic and international airport lounge access, a higher reward rate on travel-related spends (like flight bookings, hotel reservations), and sometimes other travel benefits like hotel vouchers, complimentary air tickets, airport concierge service, etc.

As far as dining cards are concerned, the Edition Credit Card by RBL Bank is the best dining card currently being offered in the market. The card offers a higher reward rate not only on Zomato, but on other dining spends as well.

Amazon Pay ICICI Bank Credit Card offers 5% reward rate to Amazon Prime members on shopping on Amazon (3% to non-prime members), 2% reward rate on payments made at Amazon partner merchants (including bill payments, travel, entertainment, etc.) and 1% reward rate on all other spends. You get rewards as Amazon Pay balance which is automatically credited to your Amazon Pay wallet every payment cycle. You don’t have to pay any membership fee for this credit card.

Flipkart Axis Bank Credit Card, on the other hand, earns you cashback (directly deducted from your card’s statement balance). You get 5% cashback on Flipkart, 4% cashback on partner merchants including Swiggy, Uber, PVR and cure.fit and 1.5% cashback on all other spends. This credit card, however, comes with a membership fee of Rs. 500 per annum. You also get the additional benefit of 4 complimentary airport lounge access per annum with the Flipkart Axis Bank Credit card.

Now, if Amazon is your favrouite e-commerce platform and you are an Amazon Prime member, Amazon Pay ICICI Bank Card should be the card of choice for you. Otherwise, if you want complimentary airport lounge access, you can definitely have a look at the Flipkart Axis Bank Credit Card.

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