10 Best Credit Cards in India 2018 Latest Review
If you are looking for the list of best available credit cards in India for the year 2018 and wondering how to select the one you should be carrying in your wallet, here is the list reviewed and based on experience of using these cards.
Following cards are selected taking into consideration best fit for salaried professionals. We are going to mention benefits of each card in detail so that you may choose the best fit according to your spends (Fuel, Shopping, Travel, Food, Cashback and rewards).
Below are the detailed description of each credit card and we have also tried to mention the USP’s (Unique Selling Point) for each card. Here are Top 10 Credit Cards in India.
USP: If you pay your bills (Utility, Telephone etc.) online and Buy Movie Tickets Online.
Annual Fee: INR 500
If you have got this one in your wallet, you can get 5 % CashBack on all your Utility and Telephone bills when you pay online through CitiBank CashBack Credit Card.
What you should keep in mind before applying for this credit Card is that you should maintain a healthy Credit Score. If you want to Check free credit Score Online, you can check it from here.
Alternately, you may apply for Citibank Cash Back Credit Card.
USP: Best Credit Card in India with No Annual Fee
Annual Fee: You might see joining fee of INR 250 but you don’t have to worry about that as it will be waived off when you use your card for the first time within 3 Months.
If you are looking for a Credit Card with zero annual fee we would recommend you should definitely consider this one and also if you are applying for your first credit card.
The complete approval process of the Standard Chartered Platinum Rewards Card is very simple if you are a salaried person.
If you already own a credit card you might want to consider other credit cards or might have a look at Standard Chartered Manhattan Platinum Credit Card.
USP: Best Credit Card for Online Shopping and Rewards
Annual Fee: Rs. 499 (waived off if you spend One Lakh in an Year)
Bonus Gift: Get Amazon gift card worth Rs. 500 on Joining.
Your card will only be approved if you are a salaried person and have decent Credit Score (Check Free Credit Score).
Lot of online portals like Flipkart, Amazon, Yatra, Makemytrip, Bookmyshow, FoodPanda, ZoomCar etc. often provide good offers on SBI Cards that is one more reason to apply for this card. Let’s have a look at the benefits.
All you have to do is simply-click to Apply for SBI Simply Click Credit Card
USP: Lifetime free Credit Card, get Credit Card against Fixed Deposit.
Annual Fee: Nil
Get lot of special discount offers if you are a Foodie, Travel often, shop online and more. Ideal for Students or non-salaried individuals.
If ordering Food online - Avail good discount options on FoodPanda, Dominos, Swigyy
If Traveling - Avail frequent discounts on MakeMyTrip and ZoomCar
Special discounts on ecommerce websites like – Jabong, TataCliq, Nykaa, Pepperfry, Puma Shop online, Bluestone, 1mg etc.
If this isn’t enough, Additionally get Every Day Delights (Monday - Sunday), special discounts.
Few more benefits would include:
Quick Link to Apply for ICICI Platinum Chip Credit Card
USP: Only Card to Offer 5 % Cash Back on department stores, grocery and supermarket.
Annual Fee: INR 499 (INR 999 from 2nd year onwards, can be waived off based on spends)
One of he most liked credit card in India, ideal for salaried professionals with decent (8000 above per month) credit card spends. You can use it for everything you purchase online and offline, overall a must have credit card.
USP: Best Rewards Credit Card in India
Annual Fee: INR 1000 for First Year (INR 4500 2nd Year Onwards, can be waived off if your spends are good)
Get Welcome Gift of 4000 Membership Reward Points (when you transact or use your card 3 times in 2 months). Additionally get 1000 bonus membership reward points (you will have to use your card 4 times on transactions above INR 1000 every month)
A lot of people have myth regarding American express credit card eligibility criteria but believe us its not that hard now. You can Apply now for American express credit card if your annual income is above INR 6 Lakhs.
Good for Regular Travelers
Annual Fee: INR 1000 (Renewal or 2nd year onwards fee is INR 1000 as well, can be waived off if you spend INR 1 Lakh in a year)
Get Welcome Benefits of 1000 Reward Points, you will get the same upon renewal as well. ( but only If the annual fee is not waived off)
After 6 months if your spends are good you can get your card upgraded and apply for Regalia Credit Card as well.
Great choice for Frequent travellers (Specially if you book your travel through Yatra.com just for this one)
Annual Fee: INR 1500 Joining Fee and INR 1500 from 2nd year onwards.
Joining Benefits: Get Yatra.com Vouchers worth INR 5000 on Card Activation.
You can easily Apply for Axis Bank Privilege Credit Card if your annual income is INR 6 Lakhs and above.
You get lot of travel benefits if you have this one in your wallet, we have mentioned below top benefit of applying for this card.
Overall a great choice for travellers! You may Apply for Axis Bank Privilege Credit Card.
Get exclusive Travel benefits close to INR 30,000 if you spend INR 4 Lakhs annually.
Annual Fee: INR 3,500 (1st Year) and INR 5,000 (2nd year onwards)
Welcome Reward: Get welcome Membership Reward Points of 5000, i.e. INR 4000 worth Travel Vouchers.
If you are make good use of the Credit Card and spend more than INR 4 Lakhs a year Amex Platinum Travel Card is one you should Apply.
You can easily Apply for Amex Platinum Travel Credit Card if your annual income is more than INR 6 Lacs.
Convert your Reward Points into AirMiles (JP Miles)
Annual Fee: INR 1000 for the 1st Year and INR 1000 For Renewal on 2nd Year. (If you spend INR 1 Lakh in the first year your renewal fee will be waived off)
Welcome Reward Points: Get 1000 Welcome Reward Points and 1000 Renewal Reward Points.
If you are a salaried person you can easily apply for HDFC Diner Club Rewards Credit Card if your net monthly salary is INR 30,000 per month and above.
Age: Min. 21 Years to Maximum 60 Years
You can also apply for this credit card If you are self employed and file an ITR of INR 3.6 Lakhs per annum.
Age: Min. 21 Years to Maximum 65 Years
Don’t go by the name Diners Club Rewardz Card it is more about Travel discounts then dining.
You may Apply HDFC Diners Club Rewardz Credit Card now.
We would love to hear reviews and comments about this article. Also if you wish to add anything so we can research and implement to help you select the Best Credit Card in India for Year 2018.