Top 10 Best Credit Cards in India [April 2019]

The credit cards are used to purchase things. As it provides various cash backs, discount and ease in buying, so have been used worldwide by people. It gains its value through, multiple uses and bonanza it tenders. By the time, its users have only increased in number. To clear your worries for buying the best card for cash backs, here is the list of top 10 best credit cards in India 2019.

best credit cards in india

Top 10 Best Credit Card in India 2019: Rewards, Cashback & Apply Online

#1 Citibank Cashback Card

Citi Cash Back Credit CardSpend more by using this Citibank credit card. Citibank customer gets an automatic statement credit during the redemption process, which is hassle-free. The following are the notable credit card reviews and features-

  • Discount of 5% available on telephone bill payments and movies. The best cash back is capped around INR 100 for each category each month.
  • Expenditure done from the credit card offers 0.5% without capping.
  • Annual fee charge is INR 500 during the foremost statement then after, it is charged every 12 months.
  • You earn the cash back involuntarily, Accumulation of minimum INR. 500. Then after in multiples of 500.

#2. HDFC Diners Club Black Credit Card

hdfc-bank-diners-club-black-card-reviewIf you are looking for best credit card for reward points. You can try HDFC Diners club black credit card. It is one of best credit card for rewards we get internationally. However, it comes with attactive benefits to the consumers. Here are credit card reviews –

  • Welcome gift– This is the best credit card gives 10,000 reward points as a welcome gift and 5,000 points after the renewal of your card.
  • Travel benefit- It includes 10 epoch more reward points internationally on hotel and airline booking, access to over 700 airport lounges for an unlimited period, a user can redeem reward points for Air miles like Singapore Airlines, British Airways etc.
  • Fee waiver- The renewal fee will be waived for purchases within the period of 12 months of up to 5 lac or more.
  • 24 by 7 concierge services.

#3 IndusInd Bank Platinum Aura Credit Card

Indusind Platinum Aura Credit Card Reward ReviewsThis IndusInd bank offers the Best credit card in India. The Platinum Aura credit card presents gift coupon more than INR 899, which is its annual surcharge too. The bank makes sure a 24×7 customer care hotline for credit card holders to seek help regarding to their credit cards. This has off pat as best credit cards for rewards in India-

  • Welcome voucher gift from MakeMyTrip, Satyapaul, and Eazydiner.
  • Premium concierge service from IndusInd bank.
  • Available fuel surcharge of 2.5% at any petrol pump across India.
  • Savings points can be converted into Airline miles. The user can use 1 reward point or saving point into 0.50 INR.

#4  ICICI Bank Platinum Chip Credit Card

ICICI Bank Platinum Chip Credit CardThe ICICI Platinum Chip card is easy to manage with great value features. The credit card is highly secure chip-based credit card. This card being issued in association with VISA international and is valid globally and the personal identification number is mandatory in all the domestic point of sale transactions and the cash withdrawal facility from interconnected VISA ATMs using the secret PIN. Here listed are credit card reviews liked by its users in the past year, mentioned as below –

  • Fuel surcharge waiver of 1% at a maximum transaction of INR 4000 or more at HPCL Pumps.
  • The credit card delivers bank rewards after earning payback points on everyday transactions.
  • Global emergency assistance service for loss of card, card replacement, and other inquiries.
  • Proper security is given of this chip card against any fraudulent service.

#5 Jet Airways American Express® Platinum Credit Card

Jet Airways American Express® Platinum Credit CardAmerican Express, they provide Jet Airways Platinum Credit Card which is developed to meet your financial requirements, along with simple repayment schemes. Thus, you necessitate to be 18 years or older in order to eligible for the Silver Credit card.  In order you that credit card you qualify for, simply complete the form which is given on the online.

  • Take pleasure in complimentary membership on priority pass and the annual fee waived off plan.
  • 5% discount on revenue ticket booking of base fare in Jet Airways. The excess baggage waiver of 5 kg is also managed in the Jet Airways.
  • American Express credit card offers 20% price cut on selected premium restaurants.
  • Welcome gift of 10,000 JP miles bonus.

#6 Axis Bank Neo Credit Card

Axis Bank Neo Credit CardThe Axis bank provides the credit card for the corporate, personal and the banking service for the customers. The customer service helps the customer to clarifying the queries. There are amazing offers you can enjoy from Amazon to Jabong with this Axis Neo credit card. These features are given below.

  • Get INR 250 Amazon voucher on 1st spend within 30 days of card issuance.
  • Enjoy discounted voucher of Book my show as the welcome gift offer.
  • It proffers a 15% discount on dining at tied restaurants across India.
  • Convert transactions of INR 2500 into EMI.

 #7 SBI Gold Credit Card

SBI Gold Credit Card ReviewIf you are looking for best credit card in India. SBI Gold Credit Card is best option for you. The credit card is used to withdraw or deposit the amount in an easy way. It is an international credit card accepted worldwide and beyond 2, 85,000 outlets in India. It has many other attractive features such as-

  • Easy cash withdraws facility on the go, in over million ATM’s around the world.
  • The credit card has the facility for an easy utility like electricity, phone, and gas bill payment.
  • Transfer dues facility and low rate of interest.
  • Online Railway tickets easy booking facility.

 #8 Standard Chartered Platinum Rewards Credit Card

Standard Chartered Platinum Rewards Credit CardThe Standard Chartered Bank credit cards are of great use and convenience to customers. These cards give free for life that is no charges taken in form of finance charge and annual fees or renewal fees. Standard Chartered Platinum Credit Card contains all prominent features of the best credit card in India. Following are the features that this credit card holds –

  • Rewards point 5 times earned through INR 150 spent on fuel, dining with zero monthly caps.
  • It is a contactless credit card with secure and faster payments.
  • Conversion of big purchasing on EMI, of above INR 5,000.
  • Facility of reward point redemption according to new bank catalogue
  • An easy loan of up to 5 lac within 12 to 60 months of the term.

#9 HDFC Regalia Card

HDFC Regalia Credit CardHDFC bank is considered to be one of the best credit card providers all over the India and in addition with this status, the financial institution offers trouble-free credit card options for the good sake of its customers. HDFC Regalia Card comes with attractive benefits to the users. It is counted as one of a luxury credit card. It gives many privileges to its user’s like-

  • The facility of airport lounges through priority pass.
  • 2% currency mark-up on international cash transactions
  • Bonus points of 15, 0000 twelve-monthly, if spending exceeds INR. 8 Lac. (w.e.f. 1 Apr)
  • Exclusive privileges on dining in partnered restaurants.
  • 4 reward points on lifestyle purchase which can be redeemed.

#10 RBL Bank Platinum Maxima Credit Card

RBL Bank Platinum Maxima Credit Card - Best Credit Card IndiaThe RBL Bank Platinum Maxima Credit Card is one of the top Credit Card that gives you the instant access for a better shopping facilities. It is convenient to know about the Credit Card bills through the email or letter. RBL bank platinum Maxima card is a super beneficiary credit card. It gives out many privilege features like-

  • It starts the user journey with 8000 reward points.
  • It offers 2 bonus points on every INR 100 purchase.
  • For purchases that are over INR 2 lac, the user gets 10,000 bonus points.
  • On purchase of 2 or more tickets, you will get complimentary one ticket free up to INR 200.
  • Simply show your credit card and get free domestic lounge facility every quarter of calendar.
  • The card is available on annual membership of just INR 2000.


As you have noticed all of the above cards offer exciting features for its user. They have many credit card rewards like discount offers, airport lounge usage facility, Business points, free movie tickets, cash-backs, international benefits. The user can buy a credit card keeping in mind the credit cards rewards. For example, if user travel more regularly, than he is able to go with the credit card that proposes him fuel concession.