Top Ten Credit Cards In India

SBI SimplySAVE Advantage Card

• 10 reward points for every Rs. 100 spent on dining, movies, groceries or at departmental stores.
• You also earn one reward point for every Rs. 100 spent on all other purchases.
• 2.5% fuel surcharge waiver

Note: This card comes with a minimal joining fee of Rs. 499.

HDFC Bank Platinum Edge Credit Card

Features include:

• Two reward points for every Rs. 150 spent on the card.
• Up to 50% more reward points when you use your Platinum Edge Credit Card when dining out.
• Fuel surcharge waiver of up to Rs. 250 on every billing cycle if your fuel expense is Rs. 6,000 per month.

Note: The joining and renewal fees for this card are waived off and you get up to 50 days of interest-free credit period from the day you make your first purchase with your card.

HDFC MoneyBack Credit Card  

• Earn 4 points on every Rs. 150 spent online on your card.
• Two reward points on every Rs. 150 spent on other purchases.
• Get 1,000 reward points on activation through PayZapp.

Note: The joining and renewal fee for this card is Rs. 500. However, if you spend Rs. 10,000 on your card within the first 90 days, your first-year fee will be waived off.

ICICI Bank Coral Visa Credit Card

• 2X cash rewards at supermarkets, on grocery shopping and dining.
• A Provogue tie worth Rs. 999 as a joining gift.
• Two complimentary movies every month under the ‘Buy One Get One’ offer through BookMyShow.
• Two complimentary domestic airport lounge visits every quarter.
• The Culinary Treats program offers a minimum 15% savings on dining bills at over 800 restaurants across India.

Note:  The joining fee of this card is Rs. 1,000 and the annual fee is Rs. 500 from the second year onwards.

SBI Advantage Signature Credit Card

• Complimentary Elite Priority Pass program membership and Visa airport lounge access.
• Complimentary fraud liability cover up to Rs. 1 lakh.
• Get 5X reward points on departmental and grocery store purchases, as well as on dining and international transactions.

Note: The joining and annual fee of the SBI Signature Card is Rs. 4,999. There is no fee waiver for this card.

SBI Platinum Card

• A welcome gift worth Rs. 3,000 on signing up.
• Free access to over 600 airport lounges through a Priority Pass.
• Free domestic air ticket (one-way) on annual spends above Rs. 4 lakhs.

Note: The joining and annual fee for the SBI Platinum Card is Rs. 2,999. There is no fee waiver for this card.

IndianOil Citi Platinum Card

• Get up to 71 litres of free fuel per year.
• Earn 4 points per Rs. 150 spent at select e-stores.
• Save over 5% on fuel purchase at IndianOil outlets.
• 0.75% cashback on fuel purchases.

Note: The joining and annual fee of the IndianOil Citi Platinum Card is Rs. 1,000. If you spend Rs. 30,000 on your card in a year, the annual membership fee is waived.

HDFC Bank Regalia Credit Card

• 2 free domestic lounge visits per quarter and 6 free international lounge visits per year.
• Get 1,000 points and up to Rs. 1,000 cashback on activation through PayZapp.
• Exclusive dining privileges that offer up to 15% discount at leading five-star hotels.

Note: The HDFC Bank Regalia Credit Card comes with a ffirst-yearfee of Rs. 2,500. The fee is waived off on spending Rs. 40,000 within the first 90 days from card setup.

Citibank Cashback Credit Card

• 5% cash back on your movie ticket bookings, telephone bill payments and other utility bill payments as well.
• 0.5% cash back on all other spends.
• 0.75% cash back on fuel purchases.

Note: The Citibank Cash Back Credit Card has a joining and annual fee of Rs. 500. There is no option of waiving the annual fee.

Citibank Rewards Card

• 10X reward points on any purchase at apparel and departmental stores.
• One reward point per Rs. 125 spent at any other outlet.
• 1,000 points on spending Rs. 1 lakh every quarter.
• International validity and rewards redeemable across 700+ stores.

Note: No joining fee is charged if Rs. 30,000 or more is spent on the card during the year (a year from the date of issuance of the card). Otherwise a fee of Rs. 1,000 will be charged at the end of said year.