10 Best Credit Cards in India 2024

The Jupiter Edge CSB Bank Credit Card is a revolutionary financial product designed to cater to the modern Indian consumer. This isn’t just another credit card; it’s a lifestyle upgrade. It’s a RuPay card, which means you can seamlessly integrate it into your digital payments using UPI, offering unparalleled convenience and flexibility.

This card is perfect for individuals who value rewards, flexibility, and a hassle-free banking experience. Whether you’re a frequent traveller, a shopaholic, or a foodie, the Edge card has something to offer you.

The HDFC Regalia Gold Credit Card is a premium option tailored for those who enjoy luxury and travel. It is aimed at high-spending individuals seeking exclusive benefits and rewards. To qualify, you generally need a solid credit history and a high annual income. Typically, the card requires a minimum monthly income of Rs. 1,00,000 for salaried individuals, with a higher income requirement for self-employed applicants. Here’s a breakdown of its main features and potential advantages:

The SimplySAVE SBI Credit Card offers great value with its mix of affordability and rewards. You can earn 2,000 bonus Reward Points by spending Rs.2,000 within the first 60 days. The card provides 10x Reward Points on selected categories, a 1% fuel surcharge waiver, and an opportunity to have the annual fee waived based on your spending. It’s accepted worldwide, features contactless payments, and offers a range of useful benefits for a smooth financial experience.

The IDFC First Millennia Credit Card is designed to fit the modern millennial lifestyle, offering a lifetime free membership and a range of exceptional features. With this card, you can earn up to 10X Reward Points, enjoy low interest rates, and get exclusive discounts from various merchants. Beyond its financial benefits, this card is also a style statement that reflects your individuality. To qualify, you need an annual income of Rs.3 lakhs or more, and issuance depends on the bank’s evaluation criteria.

The AU Bank LIT Credit Card stands out for its unique feature: customisation. Subscribers can choose from five different service options, or “baskets.” For instance, if you travel frequently, you can select lounge access benefits and only pay for that feature. During the festival season, you can opt for cashback offers for your festival shopping.

Each basket of features is valid for 90 days, with a cost ranging from INR 49 to INR 499 per cycle. You can subscribe to and pay only for the features you need, with the flexibility to add or remove them as you wish. If you don’t choose any additional benefits, you will have the basic version of the LIT card, which has no annual fees.

The Axis Bank ACE Credit Card offers a range of benefits and features designed to enhance your financial experience. With this card, you can earn cashback on bill payments, recharges, and other daily spends. It also provides access to airport lounges, fuel surcharge waivers, and dining discounts. Plus, you can convert purchases into easy monthly payments. With no joining or annual fees, it’s a great option for those looking for a versatile credit card.

The SBI Cashback Card offers valuable benefits with a 5% cashback on online purchases and 1% cashback on offline spending. You can avoid the renewal fee by spending Rs. 2 lakh annually, making it economical for regular users. The card also provides a 1% fuel surcharge waiver at petrol stations across India, helping you save on fuel. It’s globally accepted and features contactless technology for secure and convenient transactions. Additional benefits include add-on cards for family members, EMI balance transfers, utility bill payments, and cash withdrawals.

The Amazon Pay ICICI Credit Card is a co-branded credit card designed to offer maximum benefits to online shoppers, especially those who are frequent Amazon customers. It’s a no-frills card, focusing on providing cashback rewards on every purchase.

The eligibility criteria for this card are similar to other credit cards. Generally, you would need to be a resident Indian citizen with a good credit score and a steady income. Specific eligibility requirements can vary based on the bank’s internal policies.

The Axis Bank Flipkart Credit Card provides valuable welcome benefits, effectively covering the joining fee. It offers 5% cashback on purchases made at Flipkart and unlimited 4% cashback at Preferred Merchants. This card is ideal for those who shop more frequently on Flipkart rather than Amazon. The cashback earned is directly credited to your credit card statement, which is a standout feature of this card.

The Yes Bank Freo Credit Card is a relatively new entrant in the Indian credit card market, designed to cater to the needs of the modern, digitally-savvy consumer. This card is particularly appealing to individuals who prioritise cashback rewards, enjoy online shopping and value convenience. Take a look at its features to see if it’s the right fit for you.