List Of To 10 Best Credit Cards In India For 2022

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Top 10 Best Credit Cards In India For 2022
Top 10 Best Credit Cards In India For 2022

List Of Top 10 Best Credit Cards In India For 2022

List of Top Credit Cards in India on the basis of ✔ Income/ Salary ✔ Traveling ✔ Dining ✔ Entertainment ✔ Shopping ✔ Reward Points ✔ Petrol Fuel Offers ✔ Lifetime Free Cards. EMI Schemes on eBay, Snapdeal, Flipkart, Amazon, Jabong, Myntra Shopping Offer You can also check Zero Fee, Free Lifetime credits which offer basic deals.

Choosing a credit card that matches your needs and lifestyle from the choices available can be an arduous task.

Most credit card issuers offer several cards, each with its own set of benefits, eligibility conditions, and associated fees and charges. So if you are looking for a credit card that suits you, here are the best credit cards of 2022 from India’s top credit card issuers that have unmatched benefits like cash back, rewards, and discounts on shopping, fuel, travel, etc.

These cards offer the best-in-class advantages across shopping, travel, cashback, etc. for consumers from various income levels and credit profiles.

Please note that this list does not contain super-premium credit cards that are usually “invite-only” cards and are offered to individuals with high income or net worth. If you wanna see the best super-premium cards in India


Axis Bank Ace Credit Card

List Of To 10 Best Credit Cards In India For 2022

Axis Bank Ace Credit Card is the best credit card for cashback in India as it comes with the highest universal cashback rate of 2%. If you are not sure about the categories where you spend the most, a cashback credit card would be the correct choice for you.

Here are the top features of the Axis Ace credit card.

Joining Fee: Rs. 499 (Reverse on spending Rs. 10,000 in the first 45 days)
Renewal Fee: Rs. 499 (Reversed on spending Rs. 2 Lakh or more in the previous year)
Minimum Income: Communicated at the time of source

  • 5% cashback on bill payments and mobile recharges via Google Pay
  • 4% cashback on Swiggy, Zomato & Ola
  • 2% cashback on all other spends
  • No max limit on the cash back earned
  • 4 complimentary lounge visits each calendar year
  • 1% fuel surcharge exemption for transactions between Rs. Rs.400 And 4000 Maximum waiver of Rs. 500 in one month

SBI Card Elite

Elite CS6 01 List Of To 10 Best Credit Cards In India For 2022

Possibly one of the best premium credit cards, SBI Card Elite is a perfect partner to your elite lifestyle as it comes with exclusive shopping vouchers from some premium brands as a welcome gift along with movie tickets benefit, accelerated reward points, complimentary lounge visits, club Vistara Membership and more.

Some benefits of these top credit cards for 2022 are as follows.

Annual Fee: Rs. 4,999 + GST
Renewal Fee: 
Rs. 4,999 + GST
Minimum Income Required: Rs. 60,000 per month

  • Welcome E-gift voucher worth Rs. 5000 from Yatra, Bata/Hush Puppies, Pantaloons, Shoppers Stop and Marks & Spencer
  • Free film tickets worth Rs. 6,000 in the year in the form of Rs. 250 Voucher Per Month
  • 10000 bonus reward points on reaching annual spends of Rs. 3 Lakh and 4 Lakh
  • 2 reward points per Rs. 100 used on all categories except fuel
  • 5X rewards points when using the credit card for grocery, dining and departmental store purchases
  • Access to over 1000 airport lounges across the globe with a complimentary Priority Pass Membership
  • 6 complimentary international airport lounge visits in a year and 2 complimentary home lounge visits
  • Complimentary Club Vistara

HDFC Regalia Credit Card

Regalia HDFC.png List Of To 10 Best Credit Cards In India For 2022

If you are looking for a credit card that offers something for every category, HDFC Regalia should be your first option.

Offering a wide range of benefits for dining, travel, and shopping, this is possibly the best HDFC credit card, particularly if you are looking for all-around benefits. Let’s find out more about HDFC Regalia credit cards.

Joining Fee: Rs. 2,500 + GST
Renewal Fee: 
Rs.  2,500 + GST (waived-off on spending Rs. 3 Lakh in the previous calendar year)
Minimum Income Required: Rs. 1 lakh per month

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  • 12 complimentary home airport lounge access every calendar year
  • Up to 6 international lounge access each year for self and add-on members under Priority Pass Membership
  • 24×7 travel concierge service for booking, travel, late-night delivery, etc.
  • Priority dining facility under Good Food Trail dining program at top restaurants across the nation
  • 4 Reward Points on each Rs. 150 spent on all retail spending including utility bills, insurance, education, rent, etc.
  • 10,000 Reward Points for spending Rs. 5 Lakh on the card and extra 5,000 points on reaching the milestone spends of Rs. 8 Lakh
  • 1% fuel surcharge exemption on all transactions between Rs. 400 and Rs. 5,000 at all gasoline pumps in the country
  • Reward redemption on flight and hotel booking, vouchers, gifts and products, etc.
  • air accidental death cover of Rs. 1 crore
  • Emergency foreign hospitalization cover up to Rs. 15 lakhs

Flipkart Axis Bank Credit Card

Flipkart cart 1 List Of To 10 Best Credit Cards In India For 2022

Flipkart Axis Bank credit card is perhaps one of the best credit cards for shopping online. Besides 5% cashback on Flipkart and Myntra, cardholders can also get 4% cashback on Swiggy, Uber, PVR, and Cure. fit.

The card also provides unlimited cashback of 1.5 % on all other spendings. If you shop frequently on the brands mentioned above, this card can be very beneficial for you. Other advantages of this card are mentioned below:

Annual Fee: Rs. 500
Renewal Fee: Rs. 500 (waived off on spending Rs. 2 lakh in the preceding year)
Minimum Income Requirement: Rs. 15,000 p.m. for salaried and Rs. 30,000 p.m. for self-employed

  • Unlimited 5% cashback on Flipkart & Myntra
  • Unlimited 4% cashback on preferred traders such as Swiggy, Uber, Cult.fit, PVR, Tata Sky, Cleartrip, 1mg, etc.
  • Unlimited 1.5% cashback on all other spends online and offline
  • Activity and joining benefits worth Rs. 1,000
  • 4 complimentary lounge access in India each year
  • Up to 20% off at partner restaurants under Dining Delights program
  • 1% fuel surcharge exemption at all petrol pumps across India

Amazon Pay ICICI Credit Card

Amazon Pay Credit Card Offer 3.png List Of To 10 Best Credit Cards In India For 2022

When it comes to co-branded benefits, the Amazon Pay ICICI card is one of the best co-branded credit cards in India. If you shop at Amazon frequently, you can save big on all your Amazon spending in the form of cashback.

Apart from Amazon buys, you get cashback on other spends as well. The best thing about this credit card is that you get all these benefits free of cost as there is no joining fee or renewal fee on this card. Below-mentions are the details of this credit card:

Annual Fee: Nil
Renewal Fee: Nil
Minimum Salary Requirement: Communicated at the time of sourcing

  • 5% cashback on all buys at Amazon for Amazon Prime customers in addition to existing offers
  • 3% cashback on all purchases for non-prime users
  • 2% cashback on purchases at Amazon partners and gift card buys
  • 2% cash back on recharges bill payments, etc.
  • 1% cashback on all other buys
  • 1% fuel surcharge exemption on all petrol pumps across India
  • No cost EMI on all buys above Rs. 3,000 for 3 or 6 months

Citi PremierMiles Credit Card

Citi Premier Miles.png List Of To 10 Best Credit Cards In India For 2022

Those who don’t mind shelling some money on their credit card fee in exchange for exclusive travel benefits like air miles on each spends, lounge access, discounts, and other travel deals can apply for Citi PremierMiles Credit Card which is one of the top travel credit cards in India

Annual Fee: Rs. 3,000 + GST
Renewal Fee: 
Rs. 3,000 + GST
Minimum Income Required: Rs. 25,000 per month

  • 10,000 Bonus Miles on spend Rs. 1,000 or more within 60 days of card issuance
  • 3,000 Miles on card renewal
  • 10 Miles for each Rs. 100 on transactions made with any aircraft in the world
  • 4 Miles for each Rs. 100 spent throughout all categories
  • Accumulated Air Miles
  • 8 Complimentary Access to Airport lounges in India
  • Transfer Miles to the Frequent Flyer Programs of different airline partners in 2:1 proportion

HDFC Millennia Credit Card

Millennia VISA CC List Of To 10 Best Credit Cards In India For 2022

HDFC Millennia is a cashback credit card that offers cash back to cardholders on virtually all transactions. This card has been designed to keep the spending pattern of millennials in mind who like to shop online frequently.

Apart from cashback, cardholders can also avail the convenience of complimentary lounge access. Features and advantages of this card are mentioned below:

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 1 Lakh in the preceding year)
Minimum Income Requirement: Rs. 35,000 for salaried and Rs. 6 Lakh for self-employed

  • 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CliQ, Sony LIV, BookMyShow, Cult.fit and Uber
  • 1% cashback on all other spends (excluding fuel)
  • Rs. 1,000 gift voucher for spending Rs. 1 lakh in a quarter
  • 8 complimentary lounge accesses every year limited to 2 visits each quarter
  • Welcome advantage of 1000 cashpoints on payment of the joining fee
  • 1 cashpoint is equivalent to Rupee 1
  • 1% fuel Surcharge waiver at all fuel stations across India

Standard Chartered Digismart Credit Card

Digismart List Of To 10 Best Credit Cards In India For 2022

If you are looking for a credit card that provides good offers on online shopping, grocery, travel, and dining, then the Standard Chartered Digismart credit card can be your top pick.

This is more beneficial for those who make purchases on Myntra, Ola, Grofers, Yatra, Zomato, and Inox. Let us have an insight on the features and advantages of this credit card below:

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Joining Fee: Rs. 49 p.m.
Renewal Fee: Rs. 49 p.m. (waived off on spending Rs. 5,000 in the preceding month)
Minimum Income Requirement: Rs. 50,000 p.m.

  • 20% off at Myntra once each month with no minimum spending up to Rs. 700
  • 10% off on Grofers 5 times every month up to Rs. 1,000
  • 10% discount on 150 on every transaction on Zomato 5 times every month
  • 20% off on Domestic flights up to Rs. 750 at Yatra once each quarter
  • 10% off on international flights up to Rs. 10,000 at Yatra once every quarter
  • 10% off on hotel reservations up to R. 4,000 at Yatra once quarterly
  • 15% cashback per month up to Rs. 600 on Ola cabs
  • free movie tickets at INOX movies

HSBC Cashback Credit Card

HSBC Platinum CC Cashback 1 List Of To 10 Best Credit Cards In India For 2022

if you are a frequent shopper and like to make purchases every now and then, you should get a shopping credit card that provides you liberal cashback. HSBC cashback card is one such credit card that offers cashback on all your purchases.

Let us have a look at some of the characteristics of this credit card:

Joining Fee:  Nil
Renewal Fee: 
Rs. 750 + GST (Waived off on spending Rs. 1 Lakh in the previous year)
Minimum Income Required: Rs. 4,00,000 per annum

  • 3 domestic or international airport lounge access or 3 airport food vouchers each, Amazon voucher of Rs. 500 and 50% discount up to Rs. 100 on the first transaction on Google Pay as welcome benefits
  • 5% discount up to Rs. 250 each month on spending Rs. 1,000 and above
  • 1.5% cashback on all online spend except wallet transactions
  • 1% cash back on all other spends
  • Zero Joining Fee
  • Cashback is also applicable on EMIs (Equated Monthly Establishments)
  • up to 15% discount on dining at partner restaurants
  • Option to pay credit card dues in EMIs on balance transfer, Cash-on-EMI, Loan-on-Phone, etc.
  • Partner offers from time to time on Big Basket, Amazon Pantry, MakeMyTrip,etc.

HDFC Bank Diners Club Privilege

Diners Club Privilege Credit Card List Of To 10 Best Credit Cards In India For 2022

HDFC Diners Club Privilege credit card is one of the best all-rounder credit cards that provide advantages across shopping, travel, rewards, golf, and premium lifestyle.

In addition to these privileges, cardholders are also entitled to various memberships along with monthly milestone benefits. Cardholders get special privileges like Spa, salons, gyms, and concierge services along with various insurance benefits with this card.

Below mentioned are the features and advantages of this card:

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (waived off on spending Rs. 3 Lakh in the preceding year)
Minimum Income Requirement: Rs. 70,000 per month

  • Amazon Prime, Zomato Pro, MMT Black, Times Prime Smart and Big Basket Star subscription on spending Rs. 75,000 within 90 days of card issuance
  • 12 airport lounge access at 1,000+ lounges worldwide
  • 4 Reward Points for each Rs. 150 spent except fuel
  • Reward Points redemption for AirMiles across different airlines (1 Reward Point = 0.5 Airmile)
  • Exclusive discounts at different salons, gyms, spas, etc.
  • 2 complimentary Golf games per quarter (both domestic and international)
  • Rs. 1 Crore air accidental death cover
  • Emergency foreign hospitalization cover of Rs. 25 Lakh
  • Credit liability cover of up to Rs. 9 Lakh
  • Travel Insurance Cover up to Rs. 50,000 on baggage delay
  • Low foreign currency conversion fees of 1.99%
  • Complimentary renewal of annual subscription benefits on spending Rs. 5 Lakh in a year
  • 1% fuel feature waiver at all petrol pumps in India

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