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Best Credit Cards in India

Credit CardsReward Points and Other OffersFees and Charges
SimplySave SBI Card
  • 10x reward points per ₹100 spent on dining, movies, grocery and departmental stores
  • Earn 2,000 bonus reward points after you spend ₹2000 in the first 60 days 
  • Spend ₹90,000 or above and get your annual fee reversed
  • 1% fuel surcharge waiver for transactions between ₹500-₹3,000 across all petrol pumps
  • One time Annual Fee - ₹499
  • Renewal Fee - ₹499
HDFC Moneyback card
  • Earn 2 reward points on ₹150 spent
  • Earn 2X reward points on online spends
  • Get a fuel surcharge waiver of upto ₹500 per billing cycle
  • Zero Lost Card Liability post the reporting of card loss
Annual Fee - ₹500
ICICI Instant Platinum Credit Card
  • A minimum 15% savings on dining at over 800 restaurants via Culinary Treats Program
  • A discount of up to ₹100 on up to 2 movie tickets in a month
  • Reward points earned can be redeemed for cash
  • Earn 2 PAYBACK reward points on every ₹100 spend on all purchases excluding fuel
  • Joining Fee & Annual Fee - NIL
  • Supplementary Card Fee - NIL
Standard Chartered Platinum credit card
  • 5x rewards at leading hotels, dining outlets and more
  • Earn 1 reward point for every ₹150 spent on all other categories
  • Enjoy a host of unrivalled offers on holidays, golfing retreats, movie tickets, dining and more
  • 5x rewards on fuel spends in India
  • Get 5x reward points for every ₹100 spent at hotels
  • Joining Fee - NIL
  • Annual Fee - ₹399 (First Year)
  • Annual Fee - ₹750 (Second Year Onward)
The American Express Gold Card
  • 1 membership reward point for every1 spend of ₹50 except on insurance, fuel, utilities
  • 4,000 Bonus Membership Rewards® Points, to be awarded on using the card 3 times within the first 60 days of Card membership, upon payment of annual fee.
  • 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of ₹1,000 and above every month.
  • Benefits on your travel bookings with
  • Enjoy greater flexibility in spending with "no pre-set limit2
  • Redeem from the fabulous 18 carat and 24 carat Gold Collection.
  • Enjoy up to 20% off every time you dine at select restaurant partners.
  • 2 supplementary gold cards at no extra cost
  • Round-the-clock card-related assistance services
  • Emergency Card Replacement Facility Available
  • Additional gold credit card to be provided which is free for life3 as long as you hold the same


  1. Till July 31, 2017, you will earn 1,000 membership reward points® when you complete 4 transactions each of ₹1,000 or more in a calendar month. Starting July 1, 2017, you will earn 1,000 Membership Rewards® points when you complete 6 transactions each of ₹1,000 or more in a calendar month on American Express Gold Card.
  2. This means that your charges are approved on the basis of your spending pattern, financials, credit record and account history. Please note that 'no pre-set limit' does not mean your spending is unlimited.
  3. In addition to this Card, you will also receive the American Express Gold Credit Card which is free for life. Please note, this Card will be Lifetime free as long as you hold the American Express Gold Card. In case, you want to apply for American Express Gold Card only, Please SMS "GOLD" to 5616166.
  • Joining Fee - ₹1,000+Applicable GST
  • Annual Fee - ₹4,500+Applicable GST
Citibank Cashback Credit Card
  • 5% cashback on all movie ticket purchases
  • 5% cashback on all utility bill payments paid through Citibank online bill pay
  • 5% cashback on all telephone bill payments
  • Cashbacks on above limited to ₹100 per month
  • Up to 15% savings across participating restaurants
  • 0.5% cashback on all other spends
  • Simple redemption policy
  • Get redemption in multiple of ₹500
  • Get your cash back conveniently and automatically as statement credit
  • Multiple repayment options
  • Joining Fee - As Applicable by bank from time to time
  • Annual Fee - ₹500
RBL Platinum Maxima Card
  • A welcome gift of 8000 reward points
  • Get 2 reward points for every ₹100 spent
  • Earn 2 reward points for every ₹100 spent on dining, fuel, entertainment, utility bills and international purchases
  • Earn 10000 reward points for spends of ₹2 lakhs and more in a year
  • 10000 bonus reward points for spending more than ₹3.5 lakhs in a year
  • One complimentary movie ticket free up to ₹200 in a month on purchasing 2 movie tickets at BookMyShow
  • Enjoy complimentary visits to all major domestic airport lounges every quarter in a calendar
  • Joining Fee - ₹2,000
  • Annual Fee - ₹2,000

Note - The 18% Goods and Services Tax (GST) can also be charged on the annual and joining fees of the credit cards. The tax can also apply to the revolving credit, which arises due to default or delay in the payment of the dues.