Which Is The Best Credit Card In India - Note: If you are looking for a list of the best credit cards available in India, check out this article: Best Credit Cards of 2023.
Are you looking for the best credit cards in India for 2022 to suit your needs? You are in the right place. Even if you want to
Which Is The Best Credit Card In India
I have analyzed 100+ credit cards in India across different banks and compiled a list of the best credit cards for 2022 based on different user segments. here they are,
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With about 10+ active credit cards in my wallet, the list below covers most of the cards I personally use and more. Let's start with entry-level credit cards,
Entry-level credit cards, also known as beginner credit cards, are cards aimed at first-time credit card users.
If you are new to the world of credit cards, there is no reason for you to miss out on the HDFC Millennia Credit Card. This also applies if you get another card.
It helps you build a relationship with the bank so that you can eventually get access to premium and super premium HDFC credit cards.
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A stylish and simple credit card that offers 2% cash back on all your regular expenses. This HOT pick in 2021 outperforms most premium cards in terms of returns, and it continues to maintain its position in 2022.
The problem with Axis, however, is poor technology and problems with low credit limits. I hope it will be better this year.
The American Express Membership Rewards Credit Card (MRCC) is the perfect way to enter the world of Amex. If you just use this card to earn 1000 MR bonus points every month, you can easily earn more than 10% return.
Plus, you get access to great Amex offers (trade-in and spend-based offers) that are often very profitable.
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This is the new HOT choice of 2022 for entry-level cardholders as 5% Cashback is quite lucrative with a very good maximum limit of INR 10,000 per month, equivalent to 2L monthly spend.
If you frequently shop on Amazon and are an Amazon Prime customer, you can't miss this great card.
Premium credit cards come into play when your lifestyle has a luxury factor. It comes with more travel benefits like domestic and international lounge access, better reward rate.
If most of your expenses are online and do not exceed 40,000 per month, you should not miss this great product. The problem, however, is that you have to settle for not-so-good premium customer support.
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Aside from the rewards and trade offers, the main benefit of this card is the ability to get a priority pass for family members, who also share the extra lounge limit.
For those who cannot afford HDFC Super Premium Credit Card, it is a huge money saver in that regard.
If your monthly expenses are high, you should not miss this, especially if you prefer non-travel benefits like Amazon/flipkart vouchers like cashback or redemption option to credit card stmt.
When you have a good amount of travel in your life, you must have these unique travel credit cards.
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The American Express Platinum Travel Card is the best travel credit card in the country! Even after the recent changes in redemption options, it still holds up well.
I personally enjoy using this card as it helps me stay at an exclusive Taj property every year and use free Taj vouchers.
The first year free offer on this card (currently extended) is something you can't afford to miss. The return on spending this card gives you is still astounding.
But the latest problem is the overall deterioration of service. The award seats also become more difficult to book via vouchers in busy sectors such as DEL/BOM.
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I expect this will improve as the airlines have returned to full capacity, but we will have to wait for this.
If your trip involves flying Air India for any reason, you should not miss this product. It requires high costs but pays off decently.
Considering the above points, you can easily save a few lakhs if you can redeem companion for long haul business (or) first class.
Super premium credit cards come with higher reward rates, higher credit limits, unlimited lounge access, better card-linked benefits and many other perks you need to maintain a luxurious lifestyle.
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Axis Magnus offers you new airport experiences, such as bypassing airport queues with its free airport meet and greet services, which come in handy in situations like these.
Also, if you spend >1L every month, the card will be supercharged with >6% rewards. Recently added points exchange partners can help deliver more rewards than ever before. It's the HOT 2022 election.
Infinia is everyone's dream without exception. It has everything you need. If you're looking for a single credit card for all your spending, this is it.
With its lucrative 10X rewards program (Smartbuy), it is truly one of the best credit cards in India, maybe the world.
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If you don't have a chance to catch Infinia, Diners Black is a good alternative. For few, Diners Black is better than Infinia because it comes with monthly rewards and more
Although Diners cards are less accepted in India compared to Visa/MasterCard, the downside is that you need to have a backup card on hand.
Like HDFC Infinia/Diners Black, Stan. The C Ultimate card also comes with a sweet 3.3% return. The USP of this card is that you get reward points on all spending.
Note: Check with the SC department of Ultimate Visa Card as different sources have different answers when issuing new cards.
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Ultra premium credit cards are completely different from other types of cards because these cards are meant to reward you through extra rewards:
That said, throughout 2020 and 2021 we saw staggering non-travel deals due to Covid. So I expect the same for the first half of 2022, hopefully covid and the Amex ban will eventually recover.
If you like extra meet-and-greets and luxury airport transfers in addition to unlimited access to lounge benefits, this card is a must-have in your wallet. But it only provides great value if you play golf often.
As much as you want. If you are new to the system, start with 2 cards and gradually increase the number based on your spending. 5 cards is enough for most people.
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Amex & Citi are some of the top credit card issuers known for their premium support. You can enjoy the same treatment with any bank as long as you take their super premium card.
HDFC Bank is the market leader and has very good trade offers. So start with HDFC and add others as per your requirement. Consider having an Amex card for a mix.
Nothing. Buy HPCL gift cards or HP Paycode or HP Pay app using any of your existing cards. Works well for most people. You can also use Paytm Wallet.
Uni cards are better because of support and overall user experience. Trade offers are good these days on most BNPL cards, but like CRED, the offers are for customer acquisition only.
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I made the list above assuming that most of the covid scene would have subsided by April 2022 or thereabouts, so many travel cards made the list this year.
Not to forget, the credit card industry in India is changing rapidly as we have seen many new cards since last 2 years. You can stay up to date with the trend by subscribing to the free instant email alert service.
If you find this list too difficult to manage, feel free to take advantage of my one-on-one credit card consulting service [ongoing offer available]. For frequent flyers in India with Singapore Airlines, there are several credits. There are cards that allow cardholders to earn KrisFlyer miles. One of the best options is the Citibank PremierMiles card, which offers up to Rs. 100 for flight tickets and hotel bookings. Another popular choice is the HDFC Regalia Credit Card, which offers up to Rs. 150 spent, each point is worth 1 KrisFlyer mile.
Citibank PremierMiles Card – This credit card allows cardholders to earn Rs. 100 for flight tickets and hotel bookings. Cardholders can earn 4 miles for every rupee spent. 100 has been spent on other categories. The card gives access to the airport lounge, travel insurance and exclusive discounts on restaurants and entertainment.
Best American Express Credit Cards In India
HDFC Regalia Credit Card — With this credit card, cardholders can get up to Rs. 150 spent, each point is worth 1 KrisFlyer mile. The card also offers other travel-related benefits such as airport lounges, travel insurance and discounts on hotel bookings.
Axis Bank Vistara Credit Card — This credit card allows cardholders to spend every Rs. 200 is spent, which can be converted into KrisFlyer miles. The card also provides access to the airport lounge, travel insurance and discounts on restaurants, shopping and entertainment.
American Express Platinum Travel Credit
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