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 ₹2000 , Non-Prime members get welcome offers worth ₹1500

BEST FOR FLAT RATE (3.33%) REWARD ON MOST CARD SPENDS

Standard Chartered Ultimate Credit Card

Our Rating 4.0
Top Reasons to Choose
3.33%
Reward on all spends, except categories mentioned below
2%
Reward on utilities, supermarkets, insurance, property management, schools & government payments
✔︎
Complimentary visits to airport lounges in India (4 times per quarter), and abroad (once per month)
✔︎
1 complimentary golf round per month, AND 1 complimentary golf lesson per month
✔︎
Reduced 2% fee on foreign transactions
Annual Fee

₹5000

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 6000 reward points worth ₹6000, upon payment of joining fee (within 60 days of card issuance).
  • Renewal offer : From the second year onwards, you earn 5000 reward points worth ₹5000, on paying the annual fee

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

Shoppers Stop Black HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases - on purchases upto ₹28570 per month
✔︎
Upto 4% additional reward, through 'weekend offer' program - 5 times a year (maximum once 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 ₹4500.
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 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 (8 times per year), and abroad (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 SHOPPING/SPENDING AT VARIOUS TATA BRANDS

Tata Neu Infinity HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Reward on partner Tata brands - only on Tata Neu app
5%
Reward on partner Tata brands (outside Tata Neu app)
1.50%
On UPI spends (on Rupay card version)
✔︎
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter).
Annual Fee

₹1499

Minimum Income

Salaried : ₹1 lakh per month || Self-employed : ₹12 lakhs per year

Annual Fee Offers
  • Welcome offer : 1499 NeuCoins worth ₹1499, on doing your 1st card transaction within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹3 lakhs or more in the previous year.

PREMIUM SBI CARD FOR SHOPPING AND LIFESTYLE BENEFITS

SBI ELITE Credit Card

Our Rating 3.75
Top Reasons to Choose
2.50%
Cashback on departmental store purchases || grocery purchases || dining spends
Upto 0.80% - 1.50%
Additional cashback through milestone program - based on yearly card spends of ₹3 lakh, ₹4 lakhs, ₹5 lakhs and ₹8 lakhs
✔︎
Complimentary airport lounge access in India (2 times per quarter) and abroad (6 times per year)
✔︎
1 complimentary movie ticket (upto ₹250) at Bookmyshow - 2 times per month
✔︎
Low fee of 1.99% on international card spends
✔︎
Complimentary Club Vistara Silver membership || Trident Privilege membership
Annual Fee

₹4999

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : Welcome gift vouchers worth ₹5000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop).
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹10 lakhs 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) – on purchases upto ₹15000 per month
5%
Cashback on online purchases across various categories (including Amazon and Flipkart) – on purchases upto ₹30,000 per month
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

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

HDFC Bank Millennia Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback at 10 partners, including Amazon || Flipkart || Myntra || Tata Cliq - on total purchases upto ₹20,000 per month
Upto 1%
Milestone benefit : ₹1000 gift voucher OR lounge access voucher - at ₹1 lakh quarterly card spend
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 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 : Renewal fee is not charged, if you spend ₹1 lakh or more in the previous year

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.

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

PREMIUM BOB CARD OFFERING CASHBACK ON A VARIETY OF SPENDS || GOOD LIFESTYLE BENEFITS

Bank of Baroda Eterna Credit Card

Our Rating 4.0
Top Reasons to Choose
3.75%
Cashback on 'online shopping' || travel spends || dining spends || international spends
Upto 1.50%
Additional cashback, at ₹5 lakh yearly card spend
✔︎
Unlimited complimentary access to airport lounges in India
✔︎
Complimentary golf rounds (4 per year) & golf lessons (12 per year)
✔︎
Low fee of 2% on international transactions
Annual Fee

₹2499

Minimum Income

₹12 lakhs per year (both salaried and self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off at ₹25000 card spend within 60 days of card issuance
  • Renewal offer : Renewal fee is not charged, if you spend ₹2.50 lakhs or more in the previous year

BEST FOR DEPARTMENT STORE & APPAREL SHOPPING

Axis Bank REWARDS Credit Card

Our Rating 3.75
Top Reasons to Choose
3.20%
Reward on department store & apparel purchases - on total purchases upto ₹7000 per month
Upto 1%
Additional reward : Reward points worth ₹300, at monthly card spend of ₹30,000
✔︎
Free visits to airport lounges in India (2 times per quarter)
✔︎
30% discount (upto ₹150 per order) on Swiggy – 2 times per month
Annual Fee

₹1000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 5000 EDGE reward points worth ₹1000, at ₹1000 card spend within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year.

BEST FOR FUEL SPENDS UPTO ₹5,000 PER MONTH

IDFC HPCL First Power Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on HPCL fuel purchases, only on purchases upto ₹5,000 per month
2.50%
Benefit on grocery purchases & utility bills, only on total purchases upto ₹4,000 per month
2.50%
Benefit on FASTag recharge, only on upto ₹2,000 of recharges per month
✔︎
Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
Annual Fee

₹199

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer worth ₹250
  • Renewal offer : Renewal fee waived at ₹50,000 yearly card spend