A credit card offers benefits around various categories such as shopping, fuel, travel, cashback, rewards and more. Among these, the best credit card for you would be the one that matches your spending habits and gives you the highest value back on your favourite purchases. To help you compare credit cards and make the right choice, we have listed down the top 10 credit cards in India for 2023 along with their features and benefits.
| Top 10 Credit Cards | Annual Fee | Best Suited For | Key Feature# |
|---|---|---|---|
| Cashback SBI Card | Rs. 999 | Cashback across all categories | 5% cashback on online transactions* without any merchant restriction |
| Standard Chartered Bank EaseMyTrip Credit Card | Rs. 350 | Travel | Flat 20% instant discount on hotel booking and flat 10% instant discount on flight bookings at EaseMyTrip website/app |
| Axis Ace Credit Card | Rs. 499 | Cashback | 2% cashback across all transactions |
| Citi PremierMiles | Rs. 3,000 | Air Miles | 10,000 Bonus Miles on spending Rs. 1,000 or more within 60 days of card issuance |
| SBI Card ELITE | Rs. 4,999 | All-round Benefits | Welcome e-gift voucher worth Rs. 5,000 |
| BPCL SBI Card Octane | Rs. 1,499 | Fuel | 7.25% value back on your fuel expenses |
| Flipkart Axis Bank Credit Card | Rs. 500 | Online Shopping | 5% cashback on Flipkart and Myntra |
| HDFC Diners Club Privilege | Rs. 2,500 | Travel & Lifestyle | Complimentary Annual memberships of Amazon Prime, MMT BLACK, Times Prime and more |
| Axis Vistara Signature Credit Card | Rs. 3,000 | Travel | Complimentary Premium Economy Ticket as welcome benefit and Club Vistara Silver Membership |
| Amazon Pay ICICI Credit Card | Nil | Online Shopping | 5% cashback on Amazon purchases for Prime users |
*GST Extra
#T&C Apply
These cards offer the best-in-class benefits across shopping, travel, cashback, etc., for consumers from different income levels and credit profiles. Please note that this list does not include super-premium credit cards that are usually “invite-only” cards and are offered to individuals with high income or net worth. If you want to see the best super-premium cards in India, click here.
The fees and charges of Credit Cards usually vary from lender to lender and from case to case. The aforementioned table will give you a fair idea of the fees and charges related to Credit Cards:
| Particulars | Charges |
| Loan Processing Fees | 0.5% to 4% of loan amount |
| Pre-payment/Part-payment/Foreclosure Charges | For Floating Rate – Nil For Fixed Rate – Usually around 2% – 5% on the principal outstanding |
| Loan Cancellation | Usually around Rs 3,000 |
| Stamp Duty Charges | As per actuals |
| Legal Fees | As per actuals |
| Penal Charges | Usually @ 2% per month; 24% p.a. |
| EMI/Cheque Bounce | Around Rs 400 per bounce |
Other fees and charges that lenders may levy on your Credit Card include documentation charges, verification charges, duplicate statement charges, NOC certificate charges, swap and late fees.
A few ways of improving your chances of Credit Card approval are:
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