ONE OF THE BEST CREDIT CARDS FOR ONLINE SPENDING

Cashback SBI Credit Card

Our Rating 4.50
Top Reasons to Choose
5%
5% cashback on all online spends || 1% cashback on all other card spends.
✔︎
Maximum cashback of ₹5000 per month
Annual Fee

₹999

Minimum Income

Not specified

Annual Fee Offers
  • Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹2 lakhs or more in the previous year
  • Welcome offer maybe available from time to time , usually only for online applications

5% UNLIMITED CASHBACK AT FLIPKART || 4% UNLIMITED CASHBACK AT SELECT PARTNERS

Flipkart Axis Bank Credit Card

Our Rating 4.50
Top Reasons to Choose
5%
Cashback on Flipkart
4%
Cashback on partners - Swiggy || Uber || PVR || Cleartrip || Cult Fit
✔︎
Complimentary airport lounge access in India - upto 4 times per year
✔︎
Welcome offers worth ₹600
Annual Fee

₹500

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹30,000 per month

Annual Fee Offers
  • Welcome offers : Flipkart vouchers worth ₹500 || 50% discount on Swiggy (upto ₹100)
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3.50 lakhs or more in the previous year.

BEST FOR AMAZON INDIA PURCHASES

Amazon Pay ICICI Bank Credit Card

Our Rating 4.5
Top Reasons to Choose
✔︎
Lifetime free card, with welcome offers
5%
Cashback on Amazon India - for Amazon Prime members
3%
Cashback on Amazon India - for Non-Prime members
2%
Cashback on 100+ Amazon Pay partners
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Amazon Prime members get welcome offers worth ₹2500 || Non-Prime members get welcome offers worth ₹2000 + 3 months Prime membership

YES BANK PREMIUM CARD - ATTRACTIVE REWARDS ON ONLINE SPENDING || RANGE OF LIFESTYLE BENEFITS

Yes Bank Marquee Credit Card

Our Rating 3.75
Top Reasons to Choose
4.50%
Benefit on online shopping
2.25%
Benefit on offline shopping
✔︎
Unlimited free visits to international airport lounges
✔︎
Complimentary visits to airport lounges in India – 6 per quarter
✔︎
Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month
✔︎
BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹2400 per month
✔︎
Low fee (foreign currency markup) of 1% on international transactions
Annual Fee

₹4999

Minimum Income

₹3 lakh per month (salaried) || ₹24 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 60,000 reward points worth ₹15000, as a welcome gift.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹10 lakhs or more in the previous year

BEST FOR AMAZON || FLIPKART || MYNTRA || TATA CLIQ, AND OTHER SELECT ONLINE PARTNERS

HDFC Bank Millennia Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback at Amazon, Flipkart || Myntra, Tata CLiQ || Swiggy, Zomato || BookMyShow, Sony LIV || Cult.fit, Uber – on total purchases upto ₹20,000 per month
Upto 1%
Additional benefit based on quarterly card spend (₹1000 gift voucher at ₹1 lakh quarterly card spend)
✔︎
Dining benefits at Swiggy Dineout - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1000

Minimum Income

Salaried - ₹35,000 per month || Self-employed - ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Vouchers worth ₹1000, on payment of annual fee
  • Renewal offer : Annual fee not charged from 2nd year onwards, if you spend ₹1 lakh or more in the previous year

BEST FOR FREQUENT SWIGGY USERS , AND FOR ONLINE PURCHASES INCLUDING AMAZON AND FLIPKART

Swiggy HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Cashback on Swiggy apps – Food ordering || Instamart || Dineout || Genie
5%
Cashback on online purchases across various categories , including Amazon and Flipkart
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Complimentary 3-month Swiggy One Membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year

CASHBACK & DISCOUNTS AT A VARIETY OF PARTNERS INCLUDING AMAZON || FLEXIBLE MONTHLY FEE CARD

ICICI Bank Mine Credit Card (Premium 149)

Our Rating 4.25
Top Reasons to Choose
5%
Cashback on a variety of diverse partners including Amazon – Amazon, Amazon Prime, Zomato, Swiggy, Gaana, BookMyShow, PVR, Inox, Ola, Big Basket, Grofers, Goibibo, MakeMyTrip, Fitternity, Myntra, Furlenco
✔︎
5% discount (upto ₹300 per month) - at Tata CLiQ
✔︎
7% discount (upto ₹5000 per month) on domestic hotels || 4% discount (upto ₹600 per month) on domestic flights - at Goibibo
✔︎
Complimentary domestic airport lounge access (once per month) || Complimentary rail lounge access (once per month)
✔︎
Complimentary 2-month Eazydiner Prime membership || Complimentary 6-month Mindhouse app subscription
Annual Fee

₹1788

Minimum Income

Not specified

Annual Fee Offers
  • Renewal offer : The card charges a monthly fee of ₹149. This monthly fee is waived off, if you spend ₹20,000 or more in the previous month.

MID-RANGE CARD FROM YES BANK

Yes Bank RESERV Credit Card

Our Rating 3.50
Top Reasons to Choose
3%
Benefit on online shopping
✔︎
Complimentary visits to airport lounges in India – 3 per quarter
✔︎
Complimentary visits to international airport lounges – 6 per year
✔︎
Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month
Annual Fee

₹1999

Minimum Income

₹2 lakh per month (salaried) || ₹18 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off, if you spend ₹40,000 or more within 30 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹3 lakhs or more in the previous year

BEST FOR FREQUENT SHOPPERS AT SNAPDEAL

Snapdeal BOB Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback on Snapdeal purchases
2.50%
Cashback on ‘online shopping’ (other than Snapdeal shopping) || department store spends || grocery shopping
Annual Fee

₹249

Minimum Income

₹3.60 lakhs per year (salaried) || ₹4.80 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : Snapdeal vouchers worth ₹500, on paying the joining fees and using the card within 30 days of card issuance.

BEST FOR SHOPPING AT SHOPPERS STOP (7% REWARD RATE)

Shoppers Stop Black HDFC Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases - only on purchases upto ₹28570 per month
✔︎
Complimentary access to airport lounges in India (4 times per quarter), and abroad (2 times per quarter)
✔︎
Complimentary First Citizen Black membership worth ₹4,500.
Annual Fee

₹4500

Minimum Income

Salaried : ₹2 lakhs per month || Self-employed : ₹8 lakhs per year

Annual Fee Offers
  • Welcome Offer : ₹1500 worth of Shoppers Stop vouchers, on minimum shopping of ₹5,000 at Shoppers Stop stores. You also get a complimentary First Citizen Black membership worth ₹4,500.
  • Renewal Offer : Continued membership of First Citizen Black worth ₹4,500.

BEST FOR PAYTM USERS

Paytm SBI Card

Our Rating 3.5
Top Reasons to Choose
3%
Cashback on following Paytm spends - Travel tickets (flights, train & bus) || Shopping at Paytm Mall || Movie tickets
2%
Cashback on all other Paytm spends
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Complimentary Paytm First membership
  • Renewal offer : Complimentary Paytm First membership, at ₹1 lakh annual card spend.

BEST FOR SHOPPING AT RELIANCE STORES

Reliance SBI Card

Our Rating 3.50
Top Reasons to Choose
1.25%
Benefit at participating ‘Reliance Retail Stores’.
Upto 2.80%
Additional benefit at participating ‘Reliance Retail Stores’ – at ₹80,000 annual card spend at Reliance Retail Stores
✔︎
Upto 5% special discounts, at participating Reliance Retail Stores
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Reliance Retail voucher worth ₹500, on payment of joining fees || Additional discount vouchers worth ₹3200, of various participating Reliance Retail Stores
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year.

PREMIUM COBRANDED CARD, BEST FOR SHOPPING AT RELIANCE STORES

Reliance SBI Card PRIME

Our Rating 4.0
Top Reasons to Choose
2.50%
Benefit at participating ‘Reliance Retail Stores’.
Upto 2.9%
Additional benefit at participating ‘Reliance Retail Stores’.– at ₹3 lakh annual card spend at Reliance Retail Stores
✔︎
Upto 10% special discounts, at participating Reliance Retail Stores
✔︎
Complimentary airport lounge access in India (2 per quarter), and abroad (4 times per year, maximum 2 times per quarter)
Annual Fee

₹2999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Reliance Retail voucher worth ₹3000, on payment of joining fees || Additional discount vouchers worth ₹11999, of various participating Reliance Retail Stores.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3 lakh or more in the previous year.

BEST FOR SAMSUNG PURCHASES

Samsung Axis Bank Infinite Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Cashback on Samsung purchases - only on purchases upto ₹2 lakhs per year
3%
Reward on 5 preferred merchants (Zomato, Bigbasket, Myntra, Tata 1mg, Urban Clap) || On international transactions
✔︎
Complimentary access to airport lounges in India (upto 8 times per year), and abroad (upto 6 times per year)
✔︎
Dining benefits through EazyDiner partnership – 25% discount (upto ₹800), once per month
✔︎
Complimentary EazyDiner Prime membership for 1 year
Annual Fee

₹5000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 30,000 EDGE reward points worth ₹6000, on doing 3 card transactions within 30 days of credit card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹7 lakhs or more in the previous year.

BEST FOR REGULAR SHOPPERS AT LANDMARK STORES (SPAR, LIFESTYLE, MAX, HOME CENTER)

Spar SBI Card

Our Rating 3.25
Top Reasons to Choose
1.25%
Benefit on all Landmark store spends (Spar, Lifestyle, Max, Home Center - both online and in-stores)
Upto 2.1%
Additional benefit on Landmark spends - at ₹95,000 yearly card spend at Landmark stores
1.25%
Benefit on dining and movie spends
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 2,000 bonus reward points worth ₹500, on payment of the first year joining fee.
  • Renewal offer : 2,000 bonus reward points worth ₹500, on payment of renewal fee.

POPULAR BEGINNER ONLINE SHOPPING CARD FROM SBI CARD

SimplyCLICK SBI Credit Card

Our Rating 3.50
Top Reasons to Choose
2.50%
Benefit on select online partners – Myntra (fashion) || Cleartrip, Yatra (travel) || Swiggy, Dominos (dining) || BookMyShow (movies) || Apollo24×7, Netmeds (health & medicine)
✔︎
Upto 2% additional benefit, on achieving annual spend targets (milestone privileges)
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Amazon gift card worth ₹500, on payment of annual fee
  • Renewal fee offer : Annual fee not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year