Best Credit Cards In India For 2022
Posted by Creditkaro
It
becomes difficult for the users to choose the exact credit cards that suit
their lifestyle and needs as most credit card issuers offer many cards
and each card sets benefits, eligibility conditions, related fees, and charges.
So,
here are the best credit cards of 2022 from India's leading credit card issuers
that have unique benefits such as cashback, rewards, and discounts on shopping,
fuel, travel, etc.
1.
Axis Bank ACE Credit Card
Axis
Bank ACE credit card is the best credit card in India so far cashback is
concerned. It comes with the highest universal cashback rate of 2% for its
users. Customers who cannot become sure of categories before spending their
money can select cashback credit cards as the proper choice.
Features:
1.
5% cashback on bill payments and mobile recharges through Google Pay.
2.
4% cashback on Swiggy, Zomato, and Ola.
3.
2% cashback on all other spending.
4.
No maximum limit on the cashback earned.
5.
4 complimentary lounge visits every calendar year.
6.
1% fuel surcharge waiver for transactions between Rs 400 and Rs 4000 and a maximum
waiver of Rs 500 in a month.
Joining
Fee:
Rs 499
Renewal
Fee:
Rs 499 (Reversed on spending Rs 2 lakh or more in the following year).
Minimum
Income:
Communicated at the time of sourcing.
2.
SBI Card Elite
State
Bank of India (SBI) Card Elite is ascribed as one of the best credit cards in
India as it can become a perfect companion to the customers' elite lifestyle.
SBI Card Elite provides special shopping vouchers from some of the premium
brands as welcome gifts along with movie tickets benefit, accelerated reward
points, complimentary lounge visits, club Vistara membership, and many more.
Features:
1.
Welcome e-gift vouchers worth Rs 5000 from Yatra, Bata/Hush Puppies,
Pantaloons, Shoppers Stop, and Marks & Spencer.
2.
Free movie tickets worth Rs 6000 in a year in the form of a Rs 250 voucher per
month.
3.
10 thousand bonus reward points on reaching annual spends of Rs 3 and 4 lakh.
4.
2 reward points per Rs 100 spent on all categories except fuel.
5.
5X reward points for grocery, dining, and departmental store purchases while using this credit card.
6.
Access to more than one thousand airport lounges throughout the globe with
complimentary priority pass membership.
7.
Six complimentary international airport lounge visits in a year and 2
complimentary domestic lounge visits.
8.
Complimentary club Vistara membership.
Annual
Fee: Rs
4999+ GST
Renewal
Fee: Rs
4999+ GST
Minimum
Income Required: Rs
60 thousand per month.
3.
HDFC Regalia Credit Card
HDFC
Regalia credit card can be the best choice for those customers who seek any
kind of reward in every category. This is probably the best HDFC credit card
for those people who look for all-around benefits. This credit card has come up
with a wide range of advantages in dining, travel, and shopping.
Features:
1.
12 complimentary domestic airport lounge access every calendar year.
2.
Up to 6 international lounge access every year for self and add-on members
under priority pass membership.
3.
24x7 travel concierge service for booking, travel, late-night deliveries, etc.\
4.
Priority dining facility under good food trail dining program at top
restaurants throughout the country.
5.
Four reward points on every Rs 150 spent on all retail purchases including utility
bills, insurance, education rents, etc.
6.
10 thousand reward points on spending Rs 5 lakh on the card and additional five
thousand points on reaching the milestone spend of Rs 8 lakh.
7.
1% fuel surcharge waiver on all transactions between Rs 400 and Rs 5000 at all
petrol pumps in the country.
8.
Rewards redemption on flight and hotel booking, vouchers, gifts, products, etc.
9.
Air accidental death cover of Rs 1 crore.
10.
Emergency overseas hospitalization covering up to Rs 15 lakh.
Joining
Fee: Rs
2500+ GST
Renewal
Fee: Rs
2500+ GST (waived off on spending Rs 3 lakh in the previous calendar year)
Minimum Income
Required: Rs 1 lakh per month.
4.
Flipkart Axis Bank Credit Card
Flipkart
Axis Bank credit card is called probably one of the most utility credit cards
for shopping online. Along with 5% cashback on Flipkart and Myntra, cardholders
can also get 4% cashback on Swiggy, Uber, PVR, and Cure Fit. The card also
provides 1.5% cashback on another spending.
Features:
1.
Unlimited 5% cashback on Flipkart and Myntra.
2.
Unlimited 4% cashback on preferred merchants such as Swiggy, Uber, Cult.fit,
PVR, Tata Sky, Cleartrip and 1mg, etc.
3.
Unlimited 1.5% cashback on all other online and offline spending.
4.
Activation and joining benefits worth Rs 1000
5.
Four complimentary lounge access in India every year.
6.
Up to 20% off on partner restaurants under the dining delights program.
7. 1% fuel surcharge
waiver at all petrol pumps throughout India.
6.
Citi Premier Miles Credit Card
Credit
card users who generally do not bother about credit card fees in exchange for
getting exclusive travel benefits intend to apply for Citi Premier Miles credit
cards. This credit card has come up with some exquisite travel benefits such as
air miles on every spend, access to the lounges, discounts, and other travel
deals that are applicable to Citi Premier Miles credit card and that is why
this credit card is called one of the leading travel credit cards in India.
Features:
1.
10,0000 bonus miles on spending Rs 1000 or more within 60 days of card
issuance.
2.
Additional 3000 miles on card renewal.
3.
10 miles for every Rs 100 on transactions made with any airline in the world.
4.
4 miles for every Rs 100 spent across all categories.
5.
Accumulated air miles never expire.
6.
Eight complimentary accesses to airport lounges in India.
7.
Transfer miles to the frequent flyer programs of different airline partners in
a 2:1 ratio.
Annual
Fee: Rs
3000+GST
Renewal
Fee: Rs
3000+GST
Minimum Income
Required: Rs 25,000 per month.
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