Top 10 Credit Cards in India

It is highly imperative to choose the most suitable credit card for ourselves to after complete comparisons of different cards in the market. Every credit card has different characteristics and benefits that may be a priority for one and not for the other. Most of them have amazing offers on categories like entertainment, dining, shopping, travels, fuel, etc. Here are the top credit cards available in India for 2017:

  1. IndianOil Citi Platinum Credit Card
  2. Standard Chartered SuperValue Titanium Card
  3. Yatra SBI Credit Card
  4. The Jet Airways American Express Platinum Credit Card
  5. HSBC Visa Platinum Credit Card
  6. Citi Cashback Credit Card
  7. HDFC Bank Diners Club Black Card
  8. IndusInd Bank Platinum Card
  9. Axis Bank Neo Card
  10. Kotak PVR Gold Card

Let us apprehend each of them through complete knowledge about each of them:

Indian Oil Citi Platinum Card

The Indian Oil Citi Platinum Credit Card helps its user save money and even earn rewards on every purchase. The major benefits of this credit card are:

  • An annual fee waiver if at least ₹30,000 spent each year.
  • 4 turbo points on every spend of ₹150 on fuel at Indian Oil outlets throughout the country. Additional 4 points on partner stores too.
  • Waive fuel surcharge on Indian Oil outlets.
  • 2 turbo points on every spend of ₹150 in supermarket and grocery stores.
  • 1 turbo point on all spends of ₹150 on all other consumptions not mentioned.
  • These turbo points can be redeemed the India Oil outlets. 1 turbo is equivalent to Re. 1. These points can also be used at merchant outlets synced with the Indian oil.
  • Fantastic dining and shopping offers as well as personal concierge services.

Standard Chartered SuperValue Titanium Card

This is a perfect option if you look forward to saving money on fuel and telephone bills. Major benefits of this credit card are:

  • 5%, up to Rs. 200 per month, cashback on fuel purchases at any petrol pump in India.
  • 1% reversal of fuel surcharge on the petrol pumps.
  • 5% cashback on water, electricity, gas and telephone bills paid through the card.
  • 1 reward point on every Rs. 100 paid on any other category.

Yatra SBI Credit Card

Yatra, the popular online travel website and The State Bank of India (SBI) and Yatra have partnered to get their customers best offers on travels through credit card payments. Other than domestic and international trips, there are many more offers to avail through card such as:

  • Get vouchers of Rs 8,250 from Yatra as a welcome gift. Using this voucher within 30 days of availing gets you Rs 100 worth cash back.
  • Get annual fee waiver on spending at least Rs 90,000.
  • Get 6x reward points when using the card on bookings at Yatra, departmental and grocery stores.
  • Get 1 point of every spend of Rs 100 at any retail store.
  • These points can be redeemed for the Yatra vouchers.
  • Spending Rs 30,000 on bookings at Yatra fetches a Rs 500 voucher gift.
  • Easy access to airport lounges in India.
  • 1% fuel surcharge waiver on spending amidst Rs 500 to Rs 30000.

The Jet Airways American Express Platinum Credit Card

This card shall surely get you the best travel experiences. The American Express partnered with Jet Airways gets you the best offers and rewards. Additional benefits on availing this card are:

  • 10,000 bonus JP Miles along with 1-way Jet Airways domestic flight ticket with the waived base fare as a welcome present.
  • Access to airport lounges in 11 cities of India.
  • 3% cashback on fuel purchases in India.
  • Free iPrefer Elite Tier membership on hotels and resorts
  • 24/7 access to the platinum concierge service.
  • Get 8 JP Miles on every spend of Rs 150. The same is however not applicable on utility, insurance, fuel and cash transactions.
  • Get 16 JP Miles on spending Rs 150 on booking tickets through the Jet Airways website.
  • Get up to 20 JP Miles on spending Rs 100 at the EXTRA JP miles program.
  • Finally, enjoy zero lost card liability.

SBC Visa Platinum Credit Card

The HSBC bank offers the visa platinum card with endless offers and rewards for its users. The cardholders get:

  • 10% cashback on all the spends in the initial 90 days. However, the person should make at least three transactions of Rs 10,000 or more. One can get cash back of Rs 3000.
  • 3x rewards on dining, hotel, telecom payments in the first 12 months.
  • 2 points on each spend of Rs 150 with the card
  • Extra points on extra selected partners
  • 5x reward points on spending at least Rs 4,00,000 in a year on a successful transaction.
  • Movie vouchers worth Rs 500 on spending a minimum of Rs 50,000.
  • Fuel surcharge waiver on paying for fuel through card
  • Discount on dining available under the HSBC Dining privileges.

Citi Cashback Card

This card offers ‘earn when you spend’ option. The users can earn amazing cashback on their spends through credit card. Major benefits of this card are:

  • Make up to Rs 2000 contactless payments. This won't even require any PIN. Just tap the card on the contactless terminal to pay.
  • Earn 5% cash back on telephone bills and movie tickets.
  • Earn 5% cash back on utility bills if paid through online Citibank bill pay.
  • Further, get 0.5% cashback on any other spends.
  • Get shopping benefits and exclusive dining
  • EMI options are available on over 2000 mobile phones, retail and electronics outlets.

HDFC Bank Diners Club Black Card

This is a popular premium card best known for its protection, travel benefits, golf benefits lifestyle benefits, etc. though the card does not offer reward points on shopping, the major benefits of HDFC Bank diner club black card are:

  • Get 2x reward points on domestic and international air ticket as well as on hotel bookings.
  • Gets points for booking air tickets, hotels and Airmiles
  • Easy access to more than 25 airport lounges all over India as well as over 650 lounges abroad.
  • 24/7 concierge service to reserve golf course, dining, renting cards and golf deliveries. It also includes business related services, hotel reservations and courier service.
  • Get 5 points on spending every Rs 150 at the retail merchant stores.
  • Get 10 reward point on each Rs 150 spent on HDFC bank diners club site.
  • Get free golf games and lessons in India as well as abroad.
  • Get a Rs 2 crore worth air accident cover.
  • Get up to Rs 50 lakh on emergency medical expenses cover and 9 lakh credit liability cover
  • Get Rs 55,000 travel insurance cover on loss or delay of baggage.

IndusInd Bank Platinum Card

This is an ideal choice for people living a posh life. It offers numerous lifestyle offers and benefits. Major benefits are as follows:

  • Get Accor Plus Program membership. This lets the card holders enjoy up to 15% off on drink all over Asia as well as 50% off on dining across Asia Pacific. Moreover, avail heavy discounts on hotel bookings, free night stays, and silver membership status at the Le Club Accor hotels.
  • Get 1.5 points on spending Rs 150 through card
  • Get discounts on numerous travel and shopping brands such as Satya Paul, Woodland, Jet Airways, UCB, etc.
  • Free golf lessons and games at golf courses in the country.
  • Get discounts on movie tickets when using Bookmyshow
  • Get complimentary priority pass and access to airport lounges in India and abroad.
  • Get amazing benefits in the Travel Plus Program.
  • Get travel insurance cover and 24/7 concierge services. The Total Protect feature also protects the user from fraudulent transactions.
  • Free accident air cover of up to Rs 25 lakh.
  • 1% waiver on fuel surcharge at all petrol pumps in India
  • Get 24/7 auto assist facility in case of an emergency.

Axis Bank Neo Credit Card

Best for the movie and shopping lovers, the Axis Bank Neo credit card is a good option to save on shopping, dining, entertainment and many more benefits in India. Users can earn rewards as well as buy products on EMIs. The main advantages of the credit card are:

  • Get 2 eDGE Loyalty points on spending every Rs 200 through the card.
  • Get 10% cashback on online shopping, movie tickets and mobile recharge.
  • Vouchers of Rs 200 from Bookmyshow
  • Easy conversion of transactions over Rs 2500 into EMIs.
  • Rs 500 worth vouchers from Jabong.
  • 10% discount on each purchase of over Rs 500 on Myntra
  • Card protection through the EMV certified chip
  • No lost card liability
  • No annual fee in the first year.

Kotak PVR Gold Credit Card

Movie buffs get another great option to think upon. Kotak Mahindra Bank partnered with PVR Cinemas offers:

  • One free PVR ticket on spending at least Rs 10,000 per billing cycle. Get two free tickets on spending at least Rs 15,000 per billing cycle. The card holders can make any type of spends to avail these free tickets.
  • Get Rs 75,000 worth insurance cover for lost or stolen card
  • Get add-on cards for family members.

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