Which is the Best Credit Card in India?
Which credit card is best? Which is the best credit card in India? Which bank credit card is best? Which credit card is best for me? These questions revolve in our mind when we want to have a credit card. Selection of best available credit card is an exercise, require our thought and time before reaching on a decision. There is a variety of credit cards as per our requirements.
We all indeed want to do the optimum saving while doing day to day purchasing. But, some of us are frequent traveller; some are professionals handling business, the requirement of the free lounge at the airport.
Optimum redeem points, a facility of interest-free money for a long relax period, Auto-debit facility etc. there are various requirements and expectations for all of us through a bank credit card.
Our research team has shared a detailed description and features of different credit cards offered by banks. This blog will be undoubtedly helpful to you in deciding on the selection of a credit card.
Best Credit Card in India
- Credit cards are ranked based on their offers, relaxation period and the interest rate in case of EMI or late payment. Following credit cards in India are considered as best in the personalized area- ICICI Instant Platinum Credit Card- for shopping, HDFC Bank Diners Club Card- International trip or payment, Indian Oil Citi Platinum Credit Card- for fuels.
- AXIS Bank Neo Credit Card- for redeem of credit points, HSBC Visa Platinum Card- airport lounge, Standard Chartered Manhattan Platinum Credit Card- International tours, Simply click SBI Card- for shopping, IndusInd Bank Platinum Credit Card- for EMI, SBI CARD Elite- for Professionals, Citibank Cashback Credit Card- for cashback.
Best SBI Credit Card
- State bank of India (SBI) is the leading banking system in India. SBI offers 25 numbers of different credit cards. Air India SBI Platinum Card. Annual, Air India SBI Signature Card, Apollo SBI Card, Bank of Maharashtra SBI Credit Card, Bank of Maharashtra SBI Platinum Credit Card, BPCL SBI Card, Capital First SBI Card, Cardsimplyclick Credit card etc.
- CardSimplyclick credit card is known as beneficial for all time customers. It provides a Rs500 voucher for Amazon as a welcome trait. 10X reward on the clear trip, Amazon, etc. purchase. The facility of the cash advance, balance transfer etc. are also there.
- Businessman and salaried people both are eligible for credit cards. A businessman has a particular category of credit cards; they can use the card for personal expenditure or expenses for business separately. Capital first SBI credit card can be best for these purposes.
Best HDFC Credit Card
- HDFC is known for its maximum number of varieties of the credit card. It offers 38 types of credit cards. HDFC Bank Diners Club Black Card, HDFC Bank Diners Club Premium Card, HDFC Bank Diners Club Rewards, HDFC Bank Diners ClubMiles Card, HDFC Bank MoneyBack Card, HDFC Bank Platinum Times Card, HDFC Bank Regalia Card, HDFC Bank Regalia First Card etc. are prominent credit cards of HDFC Bank.
- HDFC Bank Diners Club Miles card is popular among air travellers. For shopping purposes better to select HDFC bank money back card.
- Persons require frequent foreign currency conversion can select HDFC bank regalia first card. It offers low foreign currency conversion fees.
- You can choose the credit card suitable for grocery purchases to an international movement in HDFC bank.
Best ICICI Credit Card
- ICICI bank is known for its new and innovative features of credit cards. ICICI Bank rubyex Credit card, ICICI Bank Ascent American Express Credit Card, ICICI Bank British Airways Credit Card, ICICI Bank Carbon Credit Card, ICICI Bank Coral Contactless Credit Card, ICICI Bank Coral Credit Card, ICICI Bank Coral Credit Card Against Fixed Deposits, ICICI Bank Diamant Credit Card, etc. are the popular credit cards in ICICI bank.
- For a newcomer who does not have any credit score- ICICI Bank Coral Credit Card Against Fixed Deposits is the best option to select.
- For more security, the ICICI bank coral contactless card is the best.
- ICICI Bank Rubyex credit card has the benefit of two cards, i.e. American Express and Master Card.
- ICICI bank Rubyex credit card offers a welcome voucher of Rs 5000 for newcomers is the point of attraction in this credit card. The airport complimentary lounge offers twice in three months is a unique attraction of this card. You will get many surprising offers in different credit cards of ICICI bank.
Which Credit Card is Best for Me?
- If we talk the best credit card for a person, we have to classify our self based on our needs.
- Salaried class- more cashback, frequent air traveller, young chap moviegoers, best dining offers etc.
- City Double cash card and Chase freedom unlimited are known for best cashback credit cards.
- American Express Gold card and Chase sapphire credit card are known for its offer for frequent air travellers.
Which Bank is Best for a Credit Card?
- Best bank for the credit card is a crucial question. Due to stiff competition in the credit card market, banks are bound to offer the best for customers.
- However, there is no authorized agency to do this type of rating as per maximum possible research by our team on Quora, Instagram, Facebook etc. We want to propose our view that for ease of business and quick response to customer SBI, HDFC, Citibank and Axis Bank are known as the best one.
Best Airline Credit Card
- Citi Premier Miles credit card Axis Bank MY wings credit card, SBI Air India Platinum credit card are known for a best offering credit card for airline tickets.
Best Amazon Credit Card
- Amazon is the famous place to do online shopping. One can do all the varieties of shopping on this platform. Amazon Reward Visa credit card is known best to offer cashback and redeem points.
- Citi Double cash back credit card offers the best cashback options.
- If you wish to have more redeem points, then go for Chase sapphire.
- Now for the customer have bad credit points go for – Discover credit card.
Which Credit Card is Best for Rewards?
- Capital one cash reward credit card, Citi rewards card, Chase freedom unlimited are known as best credit cards for getting rewards points.
Best Capital One Credit card
- Capital one is the leading credit card provider company.
- Capital, one venture reward credit card, is known for best travel offers.
- Capital one spark credit card is known for its offer to provide debt to business professionals.
- Capital one spark miles credit card is the best for Business travels around the world.
Best Balance Transfer Card
- Balance transfer of debt from one card to other is a facility provided by banks. Most of the bank’s charges fees for this work. Few banks do not demand any fees for this facility to attract the customers.
- SBI credit ard balance, Kotak credit card balance transfer, ICICI Credit card balance transfer, Axis credit card balance transfer & Citi simplicity card are known for best offers in a balance transfer.
Pros and Cons
| Pros | Cons |
| Best card for shopping, travels, flight tickets, train tickets, airport lounge etc. is available for customers. Customer can choose the best card as per the needs. | Best credit cards in a different area of utility are quite convenient and helpful. |
| Selection of best card of a specific work saves the hard-earned money of customers. | But, the customer has to pay the price for the particular facility available through credit cards. |
| Many credit cards do not charge any fees while doing transfer cash from credit card to your bank account. | |
| Capital one credit card is famous for providing debt to the business professional to launch new venture at an attractive interest rate. |
Conclusions
Which credit card is best? Which is the best credit card in India? Which bank credit card is best? Which credit card is best for me? These questions revolve in our mind when we want to have a credit card.
Selection of best available credit card is an exercise, require our thought and time before reaching on a decision.
Following credit cards are considered as best in the personalized area- ICICI Instant Platinum Credit Card- for shopping, HDFC Bank Diners Club Card- International trip or payment, Indian Oil Citi Platinum Credit Card- for fuels.
AXIS Bank Neo Credit Card- for redeeming of credit points, HSBC Visa Platinum Card- airport lounge, Standard Chartered Manhattan Platinum Credit Card- International tours, Simply click SBI Card- for shopping, IndusInd Bank Platinum Credit Card- for EMI, SBI CARD Elite- for Professionals, Citibank Cashback Credit Card- for cashback.
Frequently Asked Questions
Q1. What is the percentage of cashback offered by the best credit card?
Ans- Cash reward program of a credit card has a maximum yearly limit. However, this limit depends on the policy of banks. Amazon Reward visa credit card offers a cashback equal to 5%.
Q2. Are the best credit cards requiring a special CIBIL score?
Ans- No, Credit card provides the best facility that does not require an additional CIBIL score. But, credit cards for a specific area such as International travel or credit cards designed for Business professionals have a high credit limit. Hence, to apply for these cards, the requirement of the CIBIL Score is a little high.
Q3. Which is the best credit card for foreign currency transactions?
Ans- Citi prestige credit card, ICICI Bank Emrelde Credit card, HDFC Regalia credit cards are known for low forex transaction fees. Forex fees are around 2% of the transaction money.
Q4. Can Amazon reward visa credit cards be used worldwide?
Ans- Yes, Amazon reward visa credit card is allowed in amazon. In, amazon.ca, amazon.us, etc. Visa card is permitted in almost all over the world.
Q5. What is the opening or yearly fees of ICICI bank Rubyex credit card?
Ans- ICICI Bank Rubyex credit card has the benefit of two cards, i.e. American Express and Master Card. The joining fees is INR 2000, but it will return if you will do transaction up to INR 3 lakh in the first year. It also offers an INR 5000 welcome voucher on shopping and travel.
