Best Credit Card In India: Expert-Rated In 2023 | Do It Something

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Credit cards have become an essential part of our financial lives. Not only do they provide us with a convenient and secure way to make purchases, but they also offer a range of benefits such as cashback, rewards, and exclusive privileges.

With so many credit cards available in the market, it can be overwhelming to choose the right one that suits your needs. In this article, we will help you navigate through the options and highlight the best credit cards in India for 2023, based on expert ratings and reviews. Whether you are looking for cash back, travel rewards, dining benefits, or premium privileges, we’ve got you covered.

Factors to Consider When Choosing a Credit Card

When choosing a credit card in India, there are several factors to consider. Here are some of the key factors:

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1. Credit Score: Your credit score is an important factor in determining which credit cards you qualify for. A higher credit score will give you access to a wider range of credit cards and better rewards.
2. Rewards and Benefits: Look for credit cards that offer rewards and benefits that are relevant to your spending habits. For example, if you frequently travel, look for credit cards that offer travel rewards and perks.
3. Annual Fees: Consider the annual fees associated with the credit card. Some credit cards have no annual fee, while others may charge a significant annual fee. Make sure the benefits of the card outweigh the cost of the annual fee.
4. Interest Rates: Look at the interest rates associated with the credit card. Some credit cards have higher interest rates than others, which can significantly impact your ability to pay off your balance.
5. Credit Limit: Consider the credit limit associated with the credit card. Make sure the credit limit is high enough to accommodate your spending habits.
6. Payment Options: Look for credit cards that offer flexible payment options, such as the ability to make minimum payments or pay off your balance in full each month.
7. Customer Service: Consider the customer service provided by the credit card issuer. Look for issuers that have a good reputation for customer service and are responsive to customer needs.

By considering these factors, you can choose a credit card that best fits your needs and spending habits.

Best Credit Cards in India for Cashback

When it comes to credit cards in India, cashback rewards are one of the most popular features. Here are some of the best credit cards in India for cashback:

1. HDFC Bank MoneyBack Credit Card: This card offers 2 reward points for every Rs. 150 spent and the points can be redeemed for cashback or gifts. It also offers up to 1% fuel surcharge waiver at petrol pumps.
2. Citi Cash Back Credit Card: This card offers up to 5% cashback on movie ticket purchases, telephone bill payments, and utility bill payments. It also offers up to 0.5% cash back on all other spends.
3. Standard Chartered Manhattan Platinum Credit Card: This card offers up to 5% cash back on supermarket spending and up to 3% cash back on dining spending. It also offers up to 20% discount at partner restaurants.
4. ICICI Bank HPCL Coral American Express Credit Card: This card offers up to 6 HPCL reward points for every Rs. 150 spent at HPCL petrol pumps. The points can be redeemed for fuel or cashback.
5. SBI SimplyCLICK Credit Card: This card offers up to 5% cashback on online shopping with partners such as Amazon, BookMyShow, and Cleartrip. It also offers 1 reward point for every Rs. 100 spent on other purchases.

Best Credit Cards in India for Travel Rewards

Travel rewards credit cards are a popular choice among frequent travelers in India. These credit cards offer various benefits like air miles, lounge access, hotel discounts, and more. Here are some of the best credit cards in India for travel rewards:

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HDFC Bank Regalia Credit Card: This card offers excellent travel benefits like airport lounge access, air miles, hotel discounts, and more. It also comes with a rewards program where you can earn 4 reward points for every Rs. 150 spent.

1. SBI Card Elite: This card offers a complimentary Priority Pass Membership, which gives you access to over 1000 airport lounges worldwide. It also offers air miles, hotel discounts, and other travel benefits.
2. American Express Platinum Travel Credit Card: This card offers air miles, hotel discounts, and travel vouchers as rewards. It also offers a complimentary Priority Pass Membership and travel insurance coverage.
3. ICICI Bank Jet Airways Sapphiro Credit Card: This card is ideal for Jet Airways frequent flyers as it offers air miles, complimentary flight tickets, and other travel benefits. It also comes with a rewards program where you can earn 8 reward points for every Rs. 150 spent.
4. Axis Bank Vistara Signature Credit Card: This card offers Vistara air miles, complimentary lounge access, and other travel benefits. It also comes with a rewards program where you can earn 6 Club Vistara points for every Rs. 200 spent.

When choosing a travel rewards credit card, consider your travel habits and preferences to find a card that suits your needs.

Best Credit Cards in India for Dining Benefits

When it comes to dining benefits, credit cards in India offer a variety of perks and rewards to cater to different preferences. Here are some of the best credit cards in India for dining benefits in 2023:

1. HDFC Diners Club Black Credit Card: This card offers up to 10X reward points for dining spends at select partner restaurants, along with discounts and offers at over 2,000 restaurants across India.
2. SBI Card ELITE: This card provides up to 50% off on dining at over 2,500 restaurants in India, along with complimentary membership to the Trident Privilege program, which offers additional dining benefits.
3. ICICI Bank Sapphiro Credit Card: This card offers discounts and complimentary dishes at select restaurants, along with a complimentary Zomato Gold membership for dining benefits.
4. Axis Bank Magnus Credit Card: This card provides up to 20% off on dining at select partner restaurants, along with complimentary rounds of drinks and dishes at participating restaurants.
5. Citi Prestige Credit Card: This card offers exclusive dining benefits such as complimentary gourmet meals, discounts at select restaurants, and access to fine dining events and experiences.

When choosing a credit card for dining benefits, it’s important to consider the frequency of dining out, preferred cuisine types, and partner restaurants to ensure maximum rewards and discounts.

Best Credit Cards in India for Shopping Rewards

When it comes to credit cards, shopping rewards are among the most popular features for many consumers. In India, there are several credit cards that offer excellent shopping rewards programs. Here are some of the best credit cards in India for shopping rewards:

1. HDFC Bank Diners Club Black Credit Card: This credit card is designed for high-net-worth individuals who enjoy luxury shopping. It offers 5 reward points for every Rs. 150 spent on retail purchases, including shopping at luxury brands. It also offers complimentary airport lounge access and travel benefits.
2. SBI Card Elite: This credit card offers 5 reward points for every Rs. 100 spent on dining, departmental stores, grocery, and international purchases. Additionally, it offers complimentary airport lounge access, travel insurance, and fuel surcharge waivers.
3. American Express Platinum Travel Credit Card: This credit card offers 1 Membership Rewards point for every Rs. 50 spent. The rewards can be redeemed for flights, hotels, and shopping vouchers. It also offers complimentary airport lounge access and travel benefits.
4. Axis Bank Buzz Credit Card: This credit card is designed for frequent online shoppers. It offers a 5% discount on online shopping at partner websites, including Flipkart, Myntra, and Jabong. It also offers accelerated reward points on all online transactions.
5. ICICI Bank Coral Credit Card: This credit card offers 2 reward points for every Rs. 100 spent on shopping, dining, and grocery purchases. The rewards can be redeemed for shopping vouchers, merchandise, and air miles. It also offers complimentary airport lounge access and fuel surcharge waivers.

When choosing a credit card for shopping rewards, it’s important to consider your spending habits and the rewards program offered by the credit card. Compare different credit cards to find the one that best fits your needs and preferences.

Best Credit Cards in India for Low-Interest Rates

Low-interest rate credit cards are beneficial for those who carry a balance on their credit cards. Here are some of the best low-interest-rate credit cards in India:

1. SBI Simply CLICK Advantage Card – This card offers an interest rate of 2.50% per month, making it one of the lowest interest-rate credit cards in India. It also offers rewards for online shopping and other purchases.
2. ICICI Bank Platinum Chip Credit Card – This card offers an interest rate of 2.49% per month and is a great option for those who want to save money on interest charges.
3. HDFC Bank MoneyBack Credit Card – This card offers an interest rate of 3.50% per month and also offers cashback rewards on various transactions.
4. Citibank Cashback Credit Card – This card offers an interest rate of 3.25% per month and provides cashback on various categories like grocery, dining, and more.
5. Axis Bank Neo Credit Card – This card offers an interest rate of 2.50% per month and is a great option for those who frequently use their credit card for online transactions.

When looking for a low-interest-rate credit card, it’s essential to compare the interest rates and other features of different cards to find the one that best suits your needs.

Best Credit Cards in India for Premium Benefits

Premium credit cards in India are designed for individuals with high spending habits and come with a range of exclusive benefits and perks. Here are the best credit cards in India for premium benefits:

1. HDFC Infinia Credit Card – This is one of the most premium credit cards in India and comes with a range of benefits, including complimentary lounge access, air accident insurance, and golf privileges.
2. American Express Platinum Card – This is another premium credit card that offers benefits such as 24/7 concierge service, exclusive dining privileges, and access to select airport lounges.
3. Citibank Prestige Credit Card – This credit card offers exclusive travel and lifestyle benefits, including complimentary airport transfers, golf privileges, and access to exclusive events.
4. Axis Bank Reserve Credit Card – This card offers exclusive benefits such as complimentary lounge access, travel vouchers, and golf privileges, making it an ideal choice for frequent travelers.
5. SBI Card ELITE – This credit card comes with exclusive benefits such as airport lounge access, complimentary movie tickets, and milestone rewards that make it an excellent choice for individuals looking for premium benefits.

When choosing a premium credit card, it’s essential to consider the annual fees, reward points, and other benefits that suit your lifestyle and spending habits.

Best Credit Cards in India for Beginners

If you are a beginner looking for a credit card in India, here are some of the best options available to you:

1. SBI SimplyCLICK Credit Card: This card is a great option for beginners who frequently shop online. It offers 10x reward points on online spending and 5x reward points on other spending categories.
2. ICICI Instant Platinum Credit Card: This is a good option for beginners who are looking for a basic credit card with no annual fee. It also comes with a range of benefits including discounts on dining, travel, and shopping.
3. HDFC Bank MoneyBack Credit Card: This card is ideal for beginners who want to earn cashback on their spending. It offers 2x reward points on all spending categories, which can be redeemed for cashback.
4. Axis Bank Insta Easy Credit Card: This is a basic credit card that is easy to apply for and comes with no annual fee. It is a good option for beginners who are new to credit cards.
5. Citibank IndianOil Credit Card: This card is ideal for beginners who frequently use their credit cards for fuel purchases. It offers fuel surcharge waivers and rewards for fuel spending.

When choosing a credit card, it is important to consider your spending habits and choose a card that offers benefits that are relevant to you. Additionally, it is important to use your credit card responsibly and pay your bills on time to avoid accumulating debt.

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Conclusion

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choosing the right credit card can make a big difference in your financial life. Whether you are looking for cash back, travel rewards, dining benefits, or low-interest rates, there is a credit card available in India that can meet your needs. It is important to consider your spending habits and financial goals when choosing a credit card and to use your card responsibly to avoid accumulating debt.

Remember to always pay your credit card bills on time and in full to avoid interest charges and late fees. By doing so, you can build a good credit score and enjoy the many benefits that come with having a credit card in India.

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