a credit card offers its users the option to make purchases while getting flexibility in payments and rewards on each spends. but the best card will not just give you the benefits of a traditional credit card, but also provide rewards and bonuses that match your lifestyle.
if you are looking for the top cards to be considered according to the rewards it provides, here is a curated list of the ten best rewards credit cards in India:
1. SBI SimplyCLICK credit card
for those who love online shopping, SBI SimplyCLICK credit card is the perfect companion. the card gives you up to 10X reward points when used for online spending with select partners, and you can redeem the vouchers to be used for Amazon or other options.
features credit card
annual fees: ₹499 + GST (waived off if annual spend is more than ₹1 lakh)
make your SBI credit card payment via CRED to earn rewards.
2. Amazon Pay ICICI credit card
designed for those who regularly spend on Amazon, the Amazon Pay ICICI Bank credit card provides huge discounts, cashback, and other benefits that can be used for making online purchases.
features:
annual fees: nil
make your ICICI Bank credit card payment via CRED to earn rewards.
3. Citi Rewards credit card
one of Citi's best rewards credit cards in India, the Citi Rewards card, is ideal for those who use the credit card for purchases quite frequently and want to get benefits on their purchases.
features:
annual fees: ₹1,000 plus taxes (waived off on annual spends of ₹3,00,000)
make your Citibank credit card payment via CRED to earn rewards.
4. ICICI Platinum credit card
the ICICI Bank Instant Platinum credit card is a good choice for first-time credit card users who want an instant credit card. the card will help to repair and build a credit score and create a credit history.
features:
annual fees: nil
5. HSBC Visa platinum credit card
the HSBC platinum credit card is ideal for its amazing cashback, incredible introductory benefits, and using air miles on InterMiles, British Airways, and Singapore Airlines. the card is crafted for those who love fine dining and travel.
features:
annual fees: nil
make your HSBC credit card payment via CRED to earn rewards.
6. Axis Bank Neo credit card
the Axis Bank Neo credit card is ideal for those who like to spend on online purchases like BookMyShow, Amazon, and Myntra. the card provides great cashback and offers on dining, online purchase, and other benefits.
features:
annual fees: ₹250
make your Axis Bank credit card payment via CRED to earn rewards.
7. American Express membership rewards credit card
although it comes with a high annual fee and renewal fee of ₹4,500 + taxes, the American Express membership rewards credit card is perfect for those who make high spending in an annual year and wish to get great cashback and rewards.
features:
annual fee: ₹1,000 + GST
make your American Express credit card payment via CRED to earn rewards.
8. Standard Chartered Manhattan platinum credit card
do you spend a lot on monthly groceries and payments at supermarkets? the Standard Chartered Manhattan platinum credit card offers great cashback for these users, for it gives instant cashback and rewards for supermarket purchases.
features:
annual fees: ₹999 (waived off on annual spends of ₹1,20,000)
make your SCB credit card payment via CRED to earn rewards.
9. HDFC Bank diners club black card
the HDFC diners club black credit card is the perfect all-rounder, for it comes with travel benefits, lifestyle benefits, and rewards on each purchase.
features:
annual fees: ₹10,000 + applicable taxes (waived off for the subsequent year on spends of ₹5,00,000 in one year)
make your HDFC credit card payment via CRED to earn rewards.
10. YES FIRST preferred credit card
YES FIRST is an ideal credit card for frequent travellers and those who love shopping. the card can offer dedicated concierge service, multiple redemption options, and you can get eight reward points per ₹100 on the amount spent at domestic airlines, travel agencies, and tour operators.
features:
annual fees: nil
make your YES Bank credit card payment via CRED to earn rewards.
ready to get yourself a credit card or multiple cards? whatever the choice, the ideal suggestion would be to avail credit cards that complement your lifestyle and add value to your purchases.
while this is smart finance, handling multiple credit cards can be time-consuming and risky as a missed credit card bill payment could lead to high fines.
manage it all efficiently with CRED in a single interface and track monthly statements, make payments, and get additional benefits in CRED just for paying off your credit card bills. that's double rewards for just paying with your credit card and paying off the credit card bill!