Best Credit Cards in India 2024 & Offers for you to Apply
With the best credit cards available, set out on a journey of unmatched benefits. These cards, which are intended for the affluent, provide an array of exclusive advantages and benefits that are unparalleled in terms of value. Enjoy higher rewards rates, superior security features, and a range of services that
Credit Cards

HDFC Shoppers Stoper Credit Card
Rewards
Shopping
Lifestyle
- Annual Fees
Free
- Joining Fees
Free
- Minimum Credit Score Required
700
Features :
- No annual fees for the card's lifetime.
- Get 6 points on spending every INR 150.
- Earn 2 points for every INR 150 spent (excluding fuel and wallets).
Welcome Gift :
- Receive a Shoppers Stop voucher worth ₹500 that can be redeemed when you shop for ₹3000 or more.

HDFC MoneyBack Credit Card
Cashback
Shopping
Travel
- Annual Fees
₹ 500 /-
- Joining Fees
₹ 500 /-
- Minimum Credit Score Required
700
Features :
- Quarterly Rs. 500 Gift Voucher on 50,000 spending.
- 1% fuel surcharge waived, up to Rs. 500/month.
- 4 Reward Points on Rs. 150 spent online.
Welcome Gift :
- The card offers you 500 Cash Points as a welcome benefit (applicable only on payment of membership fee).

RBl Bank ShopRite Credit Card
Rewards
Shopping
Lifestyle
- Annual Fees
₹ 500 /-
- Joining Fees
₹ 500 /-
- Minimum Credit Score Required
700
Features :
- Enjoy a 10% markdown (maximum of INR 100) for movie tickets on BookMyShow up to 15 times annually.
- Collect 20 loyalty points on every INR 100 spent during grocery purchases with your card.
- Benefit from a 5% return on expenditure for groceries.
Welcome Gift :
- Enjoy the benefit of 2000 reward points on paying the joining fees.
- The points will be available only when you pay the fees on time and do a transaction within 30 days.
- You should also have the RBL MyCard Mobile App.

SBI IRCTC Platinum Credit Card
Rewards
Fuel
Travel
- Annual Fees
₹ 300 /-
- Joining Fees
₹ 500 /-
- Minimum Credit Score Required
750
Features :
- Earn 1 reward point for every INR 125 spent on non-fuel retail purchases, which also includes railway ticket bookings on www.irctc.co.in and the IRCTC Mobile App (Android only).
- Benefit from a 1% discount on transaction charges for railway ticket reservations made on www.irctc.co.in.
- Avail 4 complimentary railway lounge accesses annually at select lounges in India, with a maximum of 1 access per quarter.
Welcome Gift :
- Receive a bonus of 350 reward points by making a single transaction of INR 500 or above within the first 45 days of receiving the card.
- Note that this offer doesn't apply to fuel and cash transactions.

Kotak Leauge Platinum Credit Card
Rewards
Shopping Cashback
- Annual Fees
Free
- Joining Fees
Free
- Minimum Credit Score Required
700
Features :
- 8 reward points for every Rs. 150 spent
- Fuel surcharge waiver upto Rs. 3500/- annually
- Spend Rs. 1,25,000 every 6 months to get 4 PVR tickets or 10000 reward points.
Welcome Gift :
- Receive 5000 reward points worth Rs. 500 after the joining fee has been processed.
- This is allowed for league joining fee type only.
- Receive a movie voucher worth Rs. 500 as a joining gift

Axis Bank Neo Credit Card
Rewards
Shopping
Lifestyle
- Annual Fees
Free
- Joining Fees
Free
- Minimum Credit Score Required
700
Features :
- Enjoy 15% discount under Dining Delight offerings of maximum upto INR 500.
- Get 10% off on Myntra purchases of minimum INR 500.
- Earn 5% off on paying utility bills through Amazon pay.
Welcome Gift :
- Get 100% cashback of upto INR 300 on the very first utility bill paid within 30 days of card issuance.
- Movie: 10% off maximum upto INR 100 monthly on BookMyShow.

IDFC Bank First Classic Credit Card
Rewards
Shopping Cashback
- Annual Fees
Free
- Joining Fees
Free
- Minimum Credit Score Required
700
Features :
- Earn 6X reward points on online shopping for amounts up to ₹20,000 per month.
- Enjoy 3X reward points on offline purchases for amounts up to ₹20,000 per month.
- Enjoy the benefit of 4 complimentary railway lounge access every quarter.
Movie: Get a discount of 25% on movie tickets up to INR100 using the Paytm mobile app. It is valid once every month.
Welcome Gift :
- Receive a welcome bonus of ₹500 when you spend ₹15,000 or more within the first 90 days of your card's activation.
- Enjoy a 5% cashback, capped at ₹1,000, on the value of your first EMI transaction completed within 30 days of activating your card.

IDFC Bank First Wealth Credit Card
Rewards
Shopping Cashback
- Annual Fees
Free
- Joining Fees
Free
- Minimum Credit Score Required
700
Features :
- Enjoy 6X reward points on online shopping for expenditures not exceeding ₹30,000 per month.
- Get 3X loyalty points for offline purchases up to a limit of ₹30,000 every month.
- Get up to 4 free domestic and international airport lounge entries each quarter.
Welcome Gift :
- Earn a ₹500 introductory bonus when you spend at least 15,000 within the first 90 days of activating your card.
- Get a 5% cash rebate, up to a maximum of ₹1,000, on your first EMI payment made within 30 days of card activation.
Movie: Enjoy a BOGO deal on movie tickets on the Paytm mobile app, with a cap of INR 500 and a monthly maximum of two redemptions.

HDFC Bank Swiggy Credit Card
Cashback
Shopping
Travel
- Annual Fees
₹ 500 /-
- Joining Fees
₹ 500 /-
- Minimum Credit Score Required
700
Features :
- Enjoy 5% cashback on all online purchases across multiple merchants.
- Get the amazing 10% cashback on the Swiggy application.
- Enjoy the zero card loss liability.
Welcome Gift :
- Enjoy 3 months of Swiggy One membership for free.

Bajaj Finserv RBL Bank Bing Credit Card
Rewards
Shopping
Lifestyle
- Annual Fees
₹ 999 /-
- Joining Fees
Free
- Minimum Credit Score Required
750
Features :
- For every INR 100 spent on any purchase, earn 1 reward points.
- Get 12 reward points for every INR 100 spent online.
- Enjoy the benefit of a fuel surcharge waiver with a maximum capping of INR 100 per month.
Welcome Gift :
- Movies: BOGO on booking via BookMyShow

Axis Bank Indian Oil Credit Card
Rewards
Shopping
Lifestyle
- Annual Fees
₹ 500 /-
- Joining Fees
₹ 500 /-
- Minimum Credit Score Required
700
Features :
- For every INR 100 spent on any purchase, earn 1 reward points.
- Get 12 reward points for every INR 100 spent online.
- Enjoy the benefit of a fuel surcharge waiver with a maximum capping of INR 100 per month.
Welcome Gift :
- Enjoy 1% value on shopping in the form of 5 reward points for every INR 100 spent.
- Get 4% value back on fuel transactions in 20 reward points for every INR 100 spent at the IOCL outlet.
- Discount of up to 15% at partner restaurants in India.

HDFC Bank UPI Rupay Credit Card
Rewards
Shopping
Cashback
- Annual Fees
₹ 250 /-
- Joining Fees
₹ 250 /-
- Minimum Credit Score Required
700
Features :
- Earn 3% cash points on groceries, supermarkets, dining, and PayZapp transaction expenses. (A cap of 500 points can be accumulated in one calendar month).
- By spending more than ₹25,000 in a year, you can have the renewal membership fee revoked.
- Enjoy an interest-free period of up to 50 days with your HDFC Bank UPI RuPay Credit Card from the purchase date.
- Enjoy the benefit of linking to upi
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"Expanding Your Options: More Credit Cards Coming Soon!
Stay tuned as we broaden our selection of credit cards for comparison. We're diligently researching and curating the best options to enhance your financial choices. Explore new possibilities and find the perfect fit for your lifestyle with our expanding range of offerings."