Best Credit Cards In India for 2023

I am a credit card lover. I keep an eye on the best available credit cards in India.

Many people avoid credit cards because they feel that they will spend more if they start using one. But you will be amazed by the money saving potential and benefits that some credit cards offer.

I am sure after reading this article you would be convinced of the need to apply for atleast one of the mentioned credit cards.

I will help you choose the right card for your needs. You can ask your questions in the comments.

Then Apply for 3 Credit Cards

  1. Standard Chartered Manhattan for 5% cashback on grocery stores
  2. Amex Membership Reward for bonus points, loading money to Paytm and redeeming points for Amazon vouchers & hotel vouchers
  3. Amex Travel Platinum for Travel benefits


Continue reading the article until the end.

Best Lifetime Free Credit Card in India 2022

#1. Standard Chartered Platinum Rewards Credit Card


(Note: Application link may say joining fees of Rs. 250 but that will be waived off when you use your credit card within first 90 days – Actually it’s ZERO Annual fees but they charge so that you use the card after approval)

Personally, my favourite credit card is Standard Chartered Manhattan Credit Card for monthly grocery shopping (Reviewed at #3) but Platinum is best if you are applying for the first time and looking for a No Annual Fees credit card for life.

If you already have your first credit card from any bank, then skip to the Review of Manhattan Credit Card.

You have a high chance of approval of Platinum card if you are a salaried employee. You can request for an upgrade to Manhattan card whenever you need in the future (approval based on your salary & credit card usage)

Best for

Salaried people who want to own all rounder credit card.

(Approval rate is good if you have a salary of Rs. 25,000 per month from Private or Government job)


  • Easy approval for salaried people
  • Get an additional 1000 rewards points if you transact within 60 days
  • Bonus 500 points for registering for online banking
  • 20% cashback on Uber rides
  • 5 points on spending 150 rupees on dining
  • 5 points on spending 150 on fuel
  • 1 reward points on spending 150 on any other category
  • Additional discounts & offers from Ola, Uber, Grofers, Yatra, that keep on changing with time

…but there are some more choices for you.

Annual fees or joining fees

  • 250 joining fees but waived off with the first transaction within 90 days
  • Next year fees waived off when you spend Rs. 30,000 in the first year

Wait for the approval of your Platinum card and apply for your second credit card after 6 months.

Best Credit Card For Salaried Person in 2022

#2. Standard Chartered Manhattan Credit Card

Standard chartered Manhattan Review

As you can see, I got Standard Chartered Manhattan card approved in 2007.

It was my all time favourite card. I spent almost 90% of my expenses until I got approved for premium credit cards like Amex Platinum Travel and HDFC Regalia.

You can save a lot of money through cashback and reward points using Manhattan credit card.

This is the only card that offers  5% cash back on your grocery spends on supermarkets

Annual fee: Rs. 999 (but you can get it waived off with 1.2L annual spending)

Don’t worry about the annual fees, I get that waived off every year. It’s the Best credit card for Salaried people if can spend more than 1.2L per year.

Key benefits:

  • 5% cash back on credit card expenditure at supermarkets & department stores
  • 3x rewards when you use your credit card anywhere
  • You can earn up to Rs. 500 as cashback every month and Rs. 150 per transaction.

You can easily earn 6000 rupees every year (3000 in cashback and 3000 after redeeming points).

Best Credit Card for Fuel and Utility Bills 2022

You can get fuel benefits on following credit cards

  • Citi IOC Credit Card
  • SC Titanium Card
  • ICICI HPCL Coral Card
  • HDFC Bharat CashBack
  • RBL Platinum Maxima

#3. Standard Chartered Super Value Titanium 


I am picking SC Titanium because you would get 5% cashback on fuel and utility payments.

Suitable card, if you are a first-time credit card applicant and most of your monthly expenses are on fuel, phone and utility bills.

Annual Fees – 750 rupees (Waived off if you spend 60,000 in the first year)

First-year fees can also be waived off when you use the card within 90 days of approval.

You should apply for this credit card if your monthly expense is at least 5,000 rupees (12*5K = 60K per year).

Benefits of SVT Credit Card

  • 5% cashback on fuels
  • 5% cashback on phone bills
  • 5% cashback on utility bills

#4. Citibank IOC Fuel Credit Card

Citibank has collaboration with Indian Oil Petrol pumps. You can earn Turbo points when you pay using IOC credit card on Indian Oil outlets.

Not at all useful if you refill the fuel tank from HP or Bharat petrol pumps.

Annual Fees – Rs. 1000 (Waived off when you spend 30,000 per year)

Benefits of Citibank IOC Card

  • 4 Turbo Points on spending Rs. 150 on Indian Oil Pumps
  • 2 Turbo points on spending in Supermarkets
  • 1 Turbo points on spending 150 elsewhere
  • 1% fuel surcharge waiver
  •  1 Turbo Point = 1 Rs. Fuel

Best Credit Card For Online Shopping in 2022

Almost all credit cards and banks keep offering some discounts on online shopping. But this is the list of the credit cards which are designed to get big offers and discounts online.

  • ICICI Amazon Pay Credit Card
  • SBI SimilyClick Credit Card
  • SBI SimplySave Credit Card
  • Amex Rewards Membership Card
  • Standard Chartered Manhattan
  • Standard Chartered Ultimate
  • HDFC Diner Black
  • HDFC Moneyback

#5. ICICI Amazon Pay Credit Card

ICICI Amazon Pay credit card made the top of the list in our collection of online shopping credit cards. Amazon launched this credit card in 2018 to give extra benefits to Prime customers.

Application Process – The problem is that you can not apply directly for this credit card. You would see an invite inside your Amazon Mobile App and receive an email from Amazon.

Make sure you add your existing ICICI credit card into Amazon account to get the invite. If you don’t have ICICI credit card then apply for lifetime free Platinum Credit Card.

Annual Fees – NIL

Benefits of Amazon Pay Credit Card

  • 5% cash back on for Amazon Prime customers
  • 3% cash back on for non-prime customers
  • 2% cash back when paying to merchants using this card on Amazon Pay as a payment method
  • 1% cash back on all other payments
  • 1% fuel surcharge waiver

#6. American Express Membership Rewards® Credit Card


American Express is the only credit card that gives rewards on adding money to wallets like Paytm, Amazon Pay and Freecharge. I earn 1,000 Bonus Membership Rewards Points every month by doing 4 transactions of 1000 rupees.

Amex degraded the benefits of their Gold charge card when they launched Membership Rewards Card in 2018. I dropped Amex Gold card from our recommendation list.

Annual fee: First Year Rs. 1000 (Second year onwards Rs. 4500)

Note: Annual fees is waived off when you apply using the below link, also earn 2000 bonus points.


  • 2000 referral bonus points when you apply using the above link.
  • 1000 Bonus points for using your Card 4 times every month.
  • Earn 1 MR point on Rs.50 spent on all spends except for spending

Credit Card Expert Tip 

  • Load 4000 rupees into your Paytm, Freecharge and AmazonPay wallet to earn 1000 bonus points (worth Rs. 400)
  • Pay using wallets wherever possible on the online shopping
  • You would save the money twice if you find a deal with wallets.


  • No rewards on Fuel, Insurance, Utilities and Cash Transactions.

I applied for this card and got approved in 2016. I am loving the benefits so far.

(Best, if you already have any other cashback credit card. Use it for earning 1000 bonus points worth 400 rupees every month)

#7. SBI Simply Click Credit Card

SBI simply click credit card

It’s hard to get the approval of SBI Credit cards. But If you get your salary in SBI bank account then approval becomes easy.

Simply click card gives you direct 10x rewards when shopping on Amazon, Flipkart, Makemytrip, Cleartrip and many more vendors.

Annual fee: 499 (waived off by spending 100,000 in one year)

Bonus: Rs 500 voucher from Amazon

Not for first-time applicants – You should have an excellent credit history for getting the approval of this card

Key benefits:

  • 10X rewards on online spends – Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / Zoomcar
  • Earn 5X rewards on all other online shopping
  • A welcome e-gift voucher worth Rs 500 from Amazon
  • 1% fuel surcharge waiver (on 500+ transaction amount)

Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs. 1 Lakh (one more 2000 e-voucher on another 1Lakh milestone)

#8. Citi Bank Cashback Credit Card

Best for you if you watch movies and pay your bills online.


Annual fee: Rs.500 

I hate their application process because it’s very difficult to fill up details in the online form. I don’t know why don’t they make the application easy like other banks.

Key benefits

  • 5% cash back on movie tickets
  • 5% cash back on telephone bill payments
  • 5% cash back on Utility Bill Payments
  • 0.5% Cash Back on all other spends


  • You must have excellent Credit History before applying.
  • 80% Citibank card applications decline because people do not have a credit history.
  • The online form is complex and lengthy, be patient and fill the information.

#9. ICICI Instant Platinum Card


Apply for ICICI Platinum card in case you get denied for Standard Chartered Platinum.

It is not easy to get your first credit card in India. ICICI bank offers you instant credit card against fixed deposit if you have a saving account with ICICI bank. You can simply log on to ICICI online banking and apply for the card.

If you worry for your CIBIL score just because you want to apply for a credit card, you must try ICICI Instant Platinum Credit Card.

Annual fee: 199 rupees (waiver on spending Rs. 2000 within 60 days of approval)

Who should apply?

ICICI credit card is a good option for Students, Housewives and Non-Salary people if they want to apply for credit card against a Fixed Deposit.

Key benefits:

  • 2 payback points for every Rs. 100 spent
  • 1 payback point for every 100 rupees on insurance & utilities
  • Get ₹ 100 off on movie tickets twice a month.
  • 1% fuel surcharge waiver can be availed on fuel transaction of maximum ₹ 4,000 at HPCL pumps.

ICICI bank will offer you a credit limit based on the amount you keep in the fixed deposit. You will earn regular interest on your fixed deposit. The bank just wants to secure itself against the risk of fraud by the first-time credit card user.

#10. HDFC Moneyback Credit Card

I am listing money back credit card from HDFC because it’s the basic credit card that you can apply as a first-time applicant.

Let me quickly tell you the benefits

  • 4 reward points per Rs 150 for online shopping
  • 2 reward points per Rs 150 for elsewhere
  • 1% fuel surcharge waived off (above 400 rupees transaction)

The only reason for adding this credit card in the best credit list is the approval rate. You can get the card approved against the Fixed deposit or if you have a salary more than 25,000 per month.

#11. Axis Buzz Credit card

If you are existing customer of Axis bank then get this card for online shopping. Low annual fees and great benefits on Flipkart.

Annual Fees – 750 Rupees


  • 10% instant discount on Flipkart from 1 to 5th of every month
  • 5% instant discount on Flipkart from 6 to 31st of every month
  • 2 axis eDGE reward points on every Rs 200 spent
  • 6 axis eDGE reward points on online shopping
  • make 3 transactions and get Flipkart voucher worth Rs 1000 within first 45 days of card setup

#12. IndusInd Iconia

IndusInd has only one credit card worth keeping. You can check with the bank to reduce the fees based on your relationship.

Annual Fees – One time fees of Rs. 10,000 (you can negotiate)


  • 2 Reward Points for every Rs. 100 spent on weekends
  • 1.5 reward points for every Rs. 100 spent on weekdays
  • 1% Fuel surcharge waiver
  • 2 complimentary lounge access per quarter
  • 200 off on movie tickets per month on BookMyShow

#13. RBL Platinum Maxima Credit Card

RBL bank also offers good discounts on online shopping.

Annual Fees – Rs. 2000


  • 10 Reward Points for every Rs.100 (dining, entertainment, utility bill payments, fuel and international)
  • 2 Reward Points for every Rs.100 spent elsewhere
  • free movie ticket free up to Rs. 200 from BookMyShow
  • 2 complimentary visits every calendar quarter at domestic lounges

Best Credit Card For Travel Benefits in India 2022

Now I am listing premium & super-premium credit cards which are not easy to get approved without having a great CIBIL score and credit history.

Note – You can jump to the end of the article if you are a first-time credit card applicant.Keep reading about premium credit cards if you want to apply for a second or third credit card.

#15. Citibank Premiermiles Card


There are two best credit cards for travel – Citibank PremierMiles and Amex Platinum Travel. You can not go wrong with either. Apply for both if you can afford the annual charges. You can redeem miles for any partner airline, means you don’t have to stick with a single airline.

Best for people who have 2-3L of annual spend on travel.

Annual fee: Rs.3,000


  • Get 10000 Miles on activation.
  • Earn 10 Miles for every 100 spent on airlines.
  • Earn 10 Miles per Rs.100 spent with online partner merchants.
  • Earn 4 Miles for every 100 of all other spends

Note: 100 Miles = Rs. 45 with preferred partners (4.5% worth benefits)

#16. American Express Platinum Travel Credit Card


American Express Platinum Travel Card offers great benefits for frequent travelers (like vouchers from Indigo and Taj)

Annual fee: First Year Rs. 3500 (Second year onwards 5,000 Rs.)


  • Welcome gift of 5,000 Milestone Bonus Membership Rewards Points redeemable for Spicejet Vouchers worth Rs. 4000.
  • Spend Rs. 1.90 lacs in a year and get Spicejet Vouchers worth more than Rs. 7,700.
  • Spend Rs. 4 lacs in a year to get Spicejet Vouchers worth more than Rs. 11,800. Also, get a voucher worth Rs. 10,000 from the Taj Group.
  • 1 complimentary visit to domestic lounges in India

Go for this credit card if your annual expenses are more than 2 lakh.

#17. ICICI JetAirways Saphiro Credit Card

ICICI has two variants of Saphiro Credit Card, you should get JetAirways Saphiro if you travel frequently by Jet Airways.

Annual Fees: Rs. 5000

Joining Gift 

  • 12,500 JP bonus miles
  • Jet Airways Economy Class base fare waived off domestic air ticket


  • 0 JPMiles/₹100 spent on the card
  • 5% discount on base fare when the ticket is booked directly from JetAirways
  • dedicated check-in for select domestic flights of Jet Airways
  • Complimentary Excess Baggage Allowance of 10 Kgs in Première and 5 Kgs in Economy
  • 1% fuel surcharge waived off
  • 4 complimentary rounds/ lessons of golf every month
  • Buy one ticket and get up to Rs 500 off on the second ticket, twice every month, through BookMyShow
  • 2 international airport lounge visits and 2 spa sessions at selected airports in India every year, through complimentary DragonPass membership

#18. Kotal Royal Signature Credit Card

Kotak came up with a premium card that has low annual fees yet powerful to be used for travel.

Annual Fees – Rs. 999 only


  • 4X reward points on every Rs. 150 spent on Hotels | Restaurants | Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | International
  • 2X rewards elsewhere
  • 2 Complimentary access to Airport Lounges every quarter in India
  • Fuel surcharge waiver on transactions above Rs. 500
  • Railway surcharge waiver for transactions on

Premium Credit Cards in India 2022

#19. HDFC Regalia Credit Card

Regalia was super premium credit card a few years back but HDFC approved Regalia for each & every customer. Last year they degraded the benefits of Regalia but it still falls under the premium credit card category.

Annual Fees – Rs. 2500


  • 4 Reward Points on every Rs. 150 spent
  • 2% Foreign Currency Mark-up Fee
  • 12 complimentary domestic lounge access per year
  • 15 lakhs medical insurance for international travel

#20. SBI Prime Credit Card

Watch this video review.

Annual Fees – Rs. 2999


  • 20 Reward Points per Rs. 100 spent on standing instructions of Utility Bills payments
  • 15 Reward Points per Rs. 100 spent on BigBasket
  • 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies
  • 2 Reward Points per Rs. 100 on all other retail spends
  • 1% fuel surcharge at any petrol pump
  • 4 complimentary visits per year to International Priority Pass Lounges
  • 8 complimentary visits per year to Domestic VISA/Mastercard Lounges
  • Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
  • E-Gift Voucher worth Rs. 7,000 from on achieving annual spends of Rs. 5 Lakhs

#21. Yesbank Preferred Credit Card

The reward ratio of yes bank preferred card is very good. The free lounge access (domestic and international) makes the annual fees worth for the credit card.

Annual Fees – Rs. 2500


  • 8 Reward Points on every INR 100 Retail Spends
  • 1.75% Foreign Currency Markup
  • 1% fuel surcharge at any petrol pump
  • Domestic Lounge access (3 visits per quarter)
  • 4 complimentary international lounge access through priority pass

Super Premium Credit Cards in India

#22. HDFC Diner Black Credit Card

This is the super premium credit card in India that you must have in your pocket. You would get a huge 33% cashback when you spend on their 10x partners.

For rest of the spending you would get 3.3% cashback worth of rewards.

Annual Fees – Rs. 10,000 (second year onwards Rs. 5000)

Additional Benefits

  • 5 Reward Points for every Rs. 150
  • 2% Foreign Currency Mark-up Fee
  • Air Accident Cover of INR 1 Crore
  • Emergency Medical Expenses Cover of up to INR 25 Lakh
  • Travel Insurance Cover of up to INR 50,000 on baggage delay/loss
  • Unlimited Airport lounge access to 700+ Lounges in India and worldwide
  • 6 Complimentary Golf games (Green fee waiver) per quarter

#23. SBI Signature Credit Card (Elite)


SBI Signature Card comes with a bunch of offers from the online shopping portals with decent bonus reward points.

Annual fee: Rs. 4999 (+Welcome Gifts worth 4,999)

Key benefits:

  • 10 points per Rs.100 spent on Dining, Departmental stores, Grocery & International Spends
  • 2 points per Rs.100 spent on others.
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 2 lakhs, 3 lakhs and 4 lakhs
  • Earn 20,000 bonus Reward Points on crossing annual spends of Rs. 5 lakhs.
  • 1 Reward Point = Rs. 0.25.

#24. Standard Chartered Ultimate Credit Card

I applied for this credit card the moment it was launched in 2018. Got the cashback of 10,000 after booking my tickets from MakeMyTrip, that covered the cost of annual fees for 2 years.

Annual Fees – Rs. 5000


  • 10,000 cashback on tickets booked through MakeMyTrip (One time benefit)
  • 5 reward points on every INR 150 spent
  • 5% cashback on duty free outlets, max 1000 per month
  • 2% foreign currency markup
  • 2 complimentary golf games per month
  • 1 complimentary lounge access per month

#25. Yesbank Exclusive Preferred Credit Card

This is a high-end card from YesBank for their premium customers.

Annual Fees – Rs. 10,000


  • A welcome privilege of 50000 Reward Points
  • 10 Reward Points on every INR 100 Retail Spends
  • Complimentary TAJ InnerCircle Epicure Membership
  • Unlimited Complimentary Lounge Visits through Priority Pass
  • One complimentary Golf Lesson every month
  • 1.75% forex markup

#26. ICICI Emerald Credit Card

ICICI launched their high-end super-premium credit card in Jan 2019.

Annual Fees – Rs. 12,000


  • 4 PAYBACK Points on every ₹100 spent
  • Unlimited Lounge Access, Unlimited Spa Access at Airports
  • Vouchers from Trident and Da Milano
  • Zero Cancellation Charges for Travel
  • 1.5% Forex Markup Fee

This qualifies for a must-to-have card for frequent travellers.

Who is the winner?

I trust and love Standard Chartered Manhattan card which is my favorite for last 8 years. I make more than 20,000 cashback and get annual fees waived off every year.

If you are first time applicant and looking for life time free card, then apply for Standard Chartered Platinum Credit Card.

(No brainer that it’s best reward credit card without any fees. Good for shopping and regular expenses)

Let me know in the comments if you have any questions.

About Pardeep Goyal

I love to talk about money saving hacks (Credit Cards, Travel, Shopping, Taxes). I share transparently how I am making passive income and where I spend my money.

578 thoughts on “Best Credit Cards In India for 2023”

  1. Hi Pardeep, thanks for the detailed reviews, very helpful and filled with insights.
    I use my wife’s HDFC regalia card regularly for everything. Looking to get one in my name now since moving from Citibank to some other bank for salary account (not yes decided which one but thinking of going for HDFC).
    Looking for suggestions on cards for 4 key things
    1. Regular usage of Amazon for shopping
    2. Grocery shopping from DMart
    3. International and domestic points and free lounge access
    4. Fuel cash back or points

    What would be your recommendation on which card to apply? I have really good cibil scores and banks generally do not refuse me because of the salary amount coming in


    • If you want to maximise using multiple cards then..
      1. Regular usage of Amazon for shopping
      ICICI Amazon Pay Card (5% cashback)
      2. Grocery shopping from DMart
      Standard Chartered Manhatten (5% cashback)
      3. International and domestic points and free lounge access
      Many cards offer this benefit.
      4. Fuel cash back or points
      Multiple cards for different fuel stations.

      You can get straight 3.3% cashback on each and every transaction with HDFC Infinia and SC Ultimate card. Get that and use single card for min 3.3% worth rewards.

  2. Hello Pardeep,

    Thanks for the nicely compiled article. I found your article in 2018 for the first time, and since then I had kept it as a bookmark to come back to when I would apply for a credit card.

    Can you help me with my first credit card?

    I have joined my job recently, and I am getting an HDFC Diners Club Black credit card and HDFC Diners Club Privilege credit card, both free for life as a promotion.

    Also, HDFC is giving me a free lifetime Millenia card.

    Which one should I opt for?

    While looking at the benefits, I think I should get a set of 2-3 cards, each for separate benefits.

    A little about me, I am a consultant, so travel is given, and I want flights, lounge access, and fine dining benefits, hence considering HDFC Diners club black. But I also want cashback and other benefits on online shopping and grocery shopping at Dmart, BigBazaar, or other retail stores.

    Kindly suggest the card or set of cards for me. Waiting for your suggestions.

    • I would suggest you to check the HDFC Infinia credit card as well, in the same segment of HDFC Diners black credit card. Infinia credit card offers food benefits on addition to Diners black credit card.

      FOr retail stores, you can go to Standard Chartered Manhattan credit card for 5% cashback with a limit of Rs 500 per month.

  3. Hi, can you pls suggest a credit card which gives unlimited domestic airport lounge access . I travel frequently , probable once a week .

  4. I have been holding the SBI Prime card for some time.
    I have also had the Priority Pass issued for this card.

    Now, I plan to move abroad for sometime for work.

    Does it make sense to continue holding this card paying the annual fee without much usage, just so I can use the priority pass for international lounges and the card itself for domestic lounges?

    My international travels could be very less, and my lounge usage also could be very low.
    So I am inclined towards cancelling this card or downgrading it to Simplyclick.

  5. Hi,

    Thank you for the knowledge you share.
    What about the axis ace credit card.
    Is it still the king of cashback credit in its category?
    Is there any credit card better.
    Please help with the eligibility as well.

    • Axis ace credit card is good in 2 scenarios

      1 – Making utility bill payments on Google Pay, you will get 5% cashback

      2- None of your other credit cards offers more than 2% reward value on your spending.

  6. SBI SimplSAVE changed it’s reward pattern. Wherever we get 10 rewards for spending 100/- rupees, With effect from 01 Mar 2022, we will earn 10 Reward Points for spe6 Rs 150.

    So, which results closing of many Simply Save cards issued by Master Card.

    Note: From past 6 to 8 months SBI pushing it’s old customers towards SimplyCLICK card by giving pre-approved offer.

  7. Pradeep, I already have an HDFC Diners Card. But it does not work at some of the places like Dmart, etc. So, I want an additional credit card to go along with my existing Diners Card. Lifetime Free Card with no minimum transaction commitments is preferred. Please suggest.

    • You wouldn’t get the cashback benefit as of HDFC Diners card on the Free credit cards.

      You can check the HDFC Infinia credit card which provides more or less similar benefits. If you like then you can request to change your Diners card to HDFC Infinia card.

  8. Hello SIr,

    Is there any way to apply and get basic credit cards from Foreign banks like Citi, Amex & HSBC ? other than Indian banks.

    Current annual Income less than 3 lakhs.

    • These banks have common eligibility criteria like minimum 5 to 6 lakh income, living in tier II or tier III cities.

      You can try to apply for their basic card.

      Currently, Amex is not accepting new card issue applications as per RBI guidelines.

  9. Dear Sir please guide me for the best credit card by following points.
    1- I don’t spend much (less than 1 lakh/year) but wants it to have good cibil.
    2- Mostly i buy things on EMI’s as i have to keep a large amount for my family.
    3- In hand salary – 3 lakh.

    • You can get approval for a basic credit card. I would suggest you to apply with your existing savings account bank.

      Only apply for a credit card if you will clear all your credit statement dues before the due date.

      Never opt for pay minimum and carry forward the balance. Otherwise, you will end up paying high interest up to 48% and your CIBIL score will also hit badly.

  10. Hi Pradeep
    I would be buying gold from tanishq ranging amount from 5 to 8 lacs.
    Can you recommend me a credit card through which i can make payment and earn great reward points that can be coverted to cash or used for international travelling.

    • First, check if Tanishq charges a card transaction fee on credit cards. if they do, then there are only a few credit cards like standard chartered Ultimate card or HDFC Infinia credit card that can provide any benefit after adjusting transaction cost.

      Which credit card do you have currently?

  11. Sir,
    This is a great article. Can you also let us know your thoughts on Credit card specific App’s in the market like Cred and RUSSH App

  12. Hello Mr. Pradeep Goyal.

    I do watch your videos on credit cards and I like your expert views. I currently own the following credit cards(Arranged from oldest to newest) :

    1. HDFC Indigo 6E Rewards (upgraded from HDFC Money back)
    2. ICICI Coral credit card
    3. IndusInd Platinum Aura Edge card
    4. Stan Chart Manhattan( Upgraded from platinum rewards)
    5. ICICI Amazon Pay card
    6. Axis Flipkart card
    7. Axis LIC Signature Card.

    I have previously surrendered SBI( FBB, Apollo and BPCL)cards

    Kindly suggest the following

    1. A good fuel card
    2. Good rewards/ card
    3. Which card should I surrender
    4. Which card should I apply or upgrade to. Please suggest.

    Please provide your phone number /e-mail ID if possible.

  13. Hi Pardeep,
    I liked your reviews on credit cards and found it useful as guide before making an application.
    I have one request, if you can give reviews on these 2 Credit Cards:
    1. SC Digismart Credit Card.
    2. American Express SmartEarn.
    Moreover, can you suggest a card best for International usage(International Currency).
    Thanking you in advance!

  14. Hi Pardeep,
    I am a student. I want to take a credit card against FD.
    Will it make sense to apply for KOTAK DREAM DIFFERENT CREDIT CARD as i have a SB account with them.
    Also, I want to use it for 6 months and want to apply an unsecured card via card to card transfer.
    Suggest some good ones.

  15. PayTM started charging 2% on topping up from credit cards while keeping no charges on top up from debit cards or netbanking.
    Is it still viable for points when charging 1000 INR 4 times a month?

    • You can use other wallets or you can make 4 transactions at any place. If you do it on Paytm then you would need to pay Rs 80 and you would get rewards points approx value Rs 400 which is still a good deal.

      • Hi Pradeep, Your guidance is really appreciative on Credit Cards
        Inspired by your blog I called SC CC and got my SC Manhattan card to Ultimate Card. CC agreed instantly because my Manhattan Card had 5 lakhs limit.
        I will have to pay 5k as joining fees but I will get 6k rewards points each equal to Rs1.
        Renewal also similar pay Rs5k get 5k points worth Rs. 5k

  16. Hi,

    Firstly, thanks for the informative article.

    I have been using the HDFC Jet Privilege World credit card for a long time and also the AMEX Platinum Travel since Jan (used the Amex Gold before that). Most of my spends happen on CC. My monthly salary is greater than 2.5L so I am looking to replace my HDFC card with a super premium card For super premium, I am looking at HDFC Diner’s Black but I don’t want to rely only on an Amex and a Diner’s card and would like to have one Visa/Mastercard option as well. What Visa/Mastercard would you recommend for annual spends of about 6-8 lacs?

    • No card would provide family access to lounges.

      The recommended way is to apply for add-on cards for your family, and they will be able to share the lounges. If you have a quota of 4 lounge access per quarter then the quota would be shared within your add-on cards.

      I also use one another way:
      I have many cards that have free lounge access. When I travel with a friend who does not have a card with lounge access then I ask the lounge guys to swipe my card. Even if both of cards are issues on my name, the lounges allow the friends and family. All they want is a valid credit card with lounge access.

      • Hello, I had Citi Prestige card from Singapore which offered unlimited international lounge access using priority pass for primary card holder and a guest. May be they offers same in India too.

  17. Hi Pardeep,
    I have joined in a job just three months ago. I wish to get a credit card which would be suitable for getting products from Amazon through EMI. I have a savings account with ICICI bank. Can I go for ICICI Platinum card? Would that be beneficial? and I also want to know if I could get the approval easily for that.

    • Yes, you can get easy approval for ICICI Platinum card if you have 3 months salary slip.

      The benefits are very low but it’s a good card as your first credit card. Build your credit history and score then apply for second credit card.

      Check back CashOverflow blog again to find out which is the best credit card at that time.

  18. Hi this is Manoj,My annual income is around 6 lakhs
    I want a suggestion that I will spend more on shopping and movies so please suggest best cards sir

  19. Hello pradeep
    My name is Ayush
    I am want to apply for credit card and annual income is 3 lac
    My expenses per annum
    Insurance Premium payment and utility bill payment- 90000
    Online shopping- 20000
    Fuel and bill -20000
    Travel Tickets 15000
    Kindly suggest a card for best cashback and benefits

  20. Hi I am a homemaker. I don’t have income but I do own fixed deposit in Axis Bank and this is the first time I am in need of Credit card. I need one as I am about to start blogging. I need your advice on whether getting credit card from axis would be the best to use for earnings from website.

  21. If you have an existing Axis Buzz credit card, you can apply for an upgrade to Flipkart Axis Bank credit card (which is a much better card) instantly either when applying through the Flipkart app or by calling customer service.

  22. I have 4 cards with me

    ICICI Amazon pay for online shopping

    ICICI makemytrip card, using for movie tickets as of now

    HDFC millennia card for offline shopping and wallet load ups

    Citibank IOCL for fuel.

    I want you suggestion to reap benefits of shopping online or offline, wallet loads and travel.

    As of now I am able to reap benefits only from Citibank’s card only

  23. Hi Pradeep,
    We share the same name but spelled differently, I’m concerned about the rewards or cash back on Super Premium Credit cards and was comparing IndusInd Pinnacle with HDFC Infinia or Diners Black & Standard Chartered Ultimate, can you help?

  24. Hi Pardeep,
    I recently cancelled two of my existing cards – Amex Membership rewards (low acceptability, no airport lounges benefits and low 0.5% cashback) and Standard Chartered Manhattan (recently low rewards and redemption options are seemingly decreasing).

    I got Amazon ICICI card, since i spend a lot in amazon, and by far this card offers cashback for purchases. (5% for direct purchases and 2% for wallet reload)

    I am planning to get another, premium perhaps, which offers good % rewards. I expect my spends (apart from amazon purchases and amazon wallet online usages) will be around 3-4 lacs per annum. Mostly, I will be spending on foods, shopping, online shopping, travel (flight + hotel).

    Please, suggest me an ideal card.

  25. Annual spend is appox 12 lacs on my card includes regular shopping fuel child’s fee.. Paytm. Uploads.. Dining and online shopping both domestic and int sites.
    Have ioc citibank and also indusind signature visa.
    Need a super card to replace indusind.. Or better as one for primary usage

  26. Hi Pardeep , need a bit of advice as to should I go for a second credit card or upgrade or change my existing hdfc regalia first credit card .

    I have an avg monthly spent of 30 – 40 k easily and it can go upto 80-90k also

    Mostly I spend on food /dining and travel

    Please suggest the best card I can go for

  27. Hi Pradeep, I hold SBI Elite, They did provide only Welcome Benefit but no Renewal Benefit. They wouldn’t waive off annual charges if not through Milestone. Their reward value is so less 0.25 both for catalog and Statement Credit. Can’t even transfer to mikes. Any way to maximize the value? Even it’s a Super Premium Card if SBI, there’s no value for reward and annual charges.

    Any better alternative Card like Infinia or Diner’s Black, if these, then which one is best?

  28. Thank You for the list.
    I have Amazon ICICI credit Card and HSBC Cashback credit card for my primary usage.
    I am planning on getting Amex Membership Credit card next. Is it a good idea? My primary intention is to get cashback for my spends. I don’t travel often.

    Also, what did you mean when you mentioned for Amex Card that
    (best, if you already have any other cashback credit card. Use it for earning 1000 bonus points worth 400 rupees every month)

  29. Hi sir
    My name is Jagan I earned per annum 3 laks
    I am using 6 cards
    HDFC Money back
    RBL titanium
    Kotak urban
    Kotak pvr
    Indusnld aura

    I m using 50000 -100000/- per month

    I want to know more rewards points n cashback offers
    These cards or best for rewards points n cashback or any other cards have these offers please provide me details

  30. Dear Mr. Pradeep,

    We would like to apply a credit card for my daily needs like online-offline shopping, grocery, mobile recharge as well as for electricity bills & other credit cards bill.

    Note: we have a saving account in ICICI bank and NRE accounts in HDFC & Axis bank.

  31. In case of Standard Chartered Ultimate Credit Card, they give you 5000 reward points on renewal, and value of each point is Re 1. And by the way even SCB Ultimate gives points on loading of wallets So even though the annual fee is Rs 5000, the card is in fact free, except for the tax. Yes Bank First Exclusive Credit Card is also LTF if you have some relation with Yes Bank or if you have Yes First Preferred Card with good spending and want to upgrade. However, they the reward rate of Yes Exclusive is 3 % only for dining, domestic air ticket booking and spends on travel portals. For the rest it is only 1.5 %. In case of HDFC Regalia, the reward rate is only 1.33 % as they give 4 reward points per Rs 150 but value of 2 points = Re 1.

  32. I am thinking about Standard Chartered Manhattan Card. I wonder whether I will be eligible for cashback/ rewards if I pay makemytrip booking and insurance payments using this card?

  33. hi….. I’m a student and I don’t have any CIBIL score but I want two credit card for discounts and free try I want credit card against FD which one best for me with less annual fee and best offer which combination is best for offer
    1. sbi+icici
    2. bob+ icici
    3. bob + icici
    4. Kotak+icici
    I have sbi debit card and amazon and Flipkart both give offers on sbi debit card and credit card

  34. My monthly income is 1L, online spends around 25k to 40 k, I am using Kotak Mahindra platinum credit card, this card was given as my salary account is attached to them . Which is the best credit card for me, so that I can cancel my Kotak card. Or do I retain my Kotak credit card and apply new one .

  35. Hi Pradeep,

    Please advise that if I hold Axis Vistara card? which is the best card to give me maximum travel benefits considering i travel frequently and both international and domestic?

    Also, I hold HDFC regalia, will moving to HDFC Infinia / Diners make sense from over spend Point of view?


  36. Hello pradeep
    My name is aditya Mehta
    I currently use hdfc regalia first credit card
    My expenses per annum
    Insurance- 80000
    Travel- 50000
    Online shopping- 40000
    Fuel and bill -25000
    Other – 50000
    Kindly suggest a card for best benefits

  37. Dear Pardeep,
    I use a HDFC Regalia credit card since 8 years, so far so good. But I was told by my colleague that there are better cards with better benefits.
    I use credit card for almost all kind of purchases so as to get more reward points accumulated. Also easy to pay the bill as it’s linked to my SB account. Any suggestions of a better card which I could switch to?
    Thanks in advance

  38. Hi pardeep, I hold HDFC regalia first and mrcc card, where I don’t spend much except for fuel ( may be 1.6k monthly ) apart from that I spend here and there online , movies ,gym etc. Am looking for life time free credit card with some good offers . Can you provide me your opinion? Else can I go with the present cards itself?

    Also , does our credit score /cibil score gets hurt if we hold more credit cards without using it?

      • Hi Pradeep,

        I own a Hdfc regalia card and am being offered Infinia .
        Will it make sense to move to infinia ? Most of my spending is on Fuel , Shopping and grocery ~15-20k .

        • In general, Infinia is far better than the Regalia credit card but looking at your spending range I doubt if you would get the maximum benefit from the Infinia. As Infinia comes with an annual fee of Rs 10,000 (waived off on spending 8 lakh, but not possible in the current spending structure).

          If you don’t have requirements for unlimited lounge access then Regalia is better for you.

        • If the upgrade is offered for free and no annual renewal charges. Just go for it.
          it’s a far better card and returns are much higher than any card in India.


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