Best Credit Cards In India For 2022

Best Credit Cards In India For 2022

Posted by Creditkaro

Credit Card April 04, 2022

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.



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. 

Best Credit Cards In India For 2022

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.



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.

Best Credit Cards In India For 2022

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.



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. 

Best Credit Cards In India For 2022

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.



1. Unlimited 5% cashback on Flipkart and Myntra.

2. Unlimited 4% cashback on preferred merchants such as Swiggy, Uber,, 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.

Best Credit Cards In India For 2022

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.



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. 

Best Credit Cards In India For 2022