Top 10 Credit Cards in India 2024

There are a lot of credit facility tools available in the market for individuals to get into that including a credit card as well.

A credit card is an amazing short-term loan credittool that helps you get instant access to credit for any big-ticket purchase or any financial emergency.

Credit cards increase the purchasing power of an individual and provide him/her the ability to afford things that are otherwise difficult to get hands-on.

Now that’s all good about the credit cards what about the bad?

Well, a credit card can be dangerous in the wrong hands, it can trap you in a debt cycle that will be difficult to get out of.

Also, the interest rate charged on the credit card is a lot so, which is even more than the personal loans.

You need to choose your credit card carefully but, it is also equally important for you to use your credit card wisely as well.

Various factors go into choosing the best credit card like benefits, reward points, interest rates, fees, etc.

Based on these feature points, here is the list of the top 10 credit cards in India.

But first, let’s find out about the factors which we have used to rank these credit cards.

Top 10 Credit Cards in India

Factors Considered for Selecting the Credit Card

The following are the factors considered for selecting the credit card-

Annual Percentage Rate (APR):

You bear the cost of borrowing funds via your credit card if you do not pay the full amount at the end of the month.

Comparing APR for various cards will help you get an idea of how much an interest rate you’ll have to bear if you are not able to pay back.

Finding the minimum APR should be your priority to ensure that your credit card does not become a severe liability.

Minimum Repayment:

It is the amount that you’ll have to pay each month to keep the credit facility healthy. You’ll have to find the credit card minimum repayment amount policy which is usually a certain percentage of the fund borrowed or a minimum amount set by the bank.

Annual Fee:

The annual Fee is a fee that you’ll have to pay to the bank to use the credit card facility provided by the bank. Not every card has an annual fee with them.

Before subscribing to any credit card, you’ll have to find out the annual fee of that credit card.

Loyalty points or Rewards:

For every credit card purchase, the user will receive cash back points or rewards points. You’ll have to choose the card which offers maximum loyalty points for your purchase. These loyalty points can be used to purchase other things and services.


There are other charges that the credit card companies impose on the customer under certain circumstances for example- late fee payment, using a credit card abroad, etc.

When you evaluate your card based on these points, you’ll find the best card for your requirements.

Top 10 Credit Cards in India 2024

Here are the top 10 credit cards in India which you can choose from-

Amazon Pay ICICI Bank Credit Card

If you are a frequent online shopper then it is the best card for you. You can find almost everything on Amazon and when you have an Amazon-branded credit card then the shopping experience can be enhanced.

If you are looking to get your first credit card then you should opt for this credit card as the card offers amazing offers, no cost EMI, less documentation, etc.

There is no annual fee or joining fee which makes it a useful card with no direct cash liability. Amazon’s network is vast and has access across the country which makes it beneficial for every individual interested in getting a shopping credit card.

Flipkart Axis Credit Card

It is similar to the Amazon ICICI Bank Credit card in so many ways only difference being that Axis Bank has partnered with Flipkart to deliver those benefits.

Flipkart is an eCommerce platform offering delivery services across the country and has a similar network just like Amazon.

If you are a Flipkart shopper then you can get your hands on this credit card. Getting this card is easy and requires very minimum requirements and documentation.

Cashback SBI Credit Card

Cashback SBI Credit card is a credit card provided by SBI and offers amazing cashback offers of 5% without any merchant restriction. Amazon ICIC Card or Flipkart Axis Card offered 5% cashback only on their platform but, the Cashback SBI Credit card provides 5% cash back on any merchant platform.

This makes it a slightly better card than both of them.

Axis Bank Neo Credit Card

Another Axis Bank credit card is the Axis Bank Neo Credit card which provides amazing benefits in various areas of life like shopping, online shopping, merchant pay, etc.

With this card, you can get various discounts, offers, and much more. Getting this card is easy and this card is one of the entry-level credit cards of Axis bank making it available for anyone.

IDFC First Millenia Credit card

A millennia credit card is a credit card specifically designed for the millennial generation who are much more profound in their way of spending.

The card best suits this type of individual, who want to get more by paying less interest. The card has no joining fee and offers interest rates between 0.75% and 2.99% per month.

The card has a little bit of everything making it a jack of all trades however, the only downside is the lack of a no-cost EMI facility.

Yatra SBI Credit Card

A special travel card is perhaps one of the best travel credit cards by SBI. This card offers amazing benefits like 20% off on domestic hotels, Rs.1000 off on flight booking, etc.

It is a co-branded card hence all these benefits are available only to users. An Air accident complimentary cover is also provided to the primary cardholder on this card. 

IndusInd Bank Platinum Credit Card

A mix card provides a comprehensive range of travel, lifestyle, and golf benefits to suit your preferences.

You can earn rewards faster and spend them according to your convenience. Other benefits include 1.5 reward points for every Rs. 150 spent, Discount vouchers from brands like Amazon, Flipkart, Uber, Ola, Apollo Pharmacy, etc. 

IndusInd Bank Platinum Aura Edge Credit Card

A contactless credit card provides amazing benefits to the user. IndusInd Bank Platinum Aura Edge Credit Card provides discount vouchers from multiple brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola, and more.

You get a reward point based on the type of purchases you’ve made which ranges from 4 points to 0.5 points. The best part is that you can customize the reward point based on your lifestyle for example- if you are more into a party then you can simply make your credit card provide more reward points on restaurant bills.

Axis Bank Vistara Signature Credit Card

Axis Bank Vistara Signature Credit card is a premium travel credit card that can be used to purchase discounted tickets, especially for Vistara Airlines.

Vistara Airlines also offers free lounge access that you can use while traveling. If you are a frequent traveler, this card must be in your wallet.

Vistara is one of the best airlines whose services are world renounced hence, making it an extremely good experience. You’ll earn 4 points per Rs.200/- amount spent and for the first 3 months, you’ll get 3000 CV points for Rs.75,000/- spent.

Citi Rewards Credit Card

As the name suggests, this card offers rewards light left and center. You get multiple benefits for using this card and the best being never-expiring reward points.

The reward points never expire which helps you in accumulating them and spending them on important times. Citi bank has tied up with various brands which provide you with multiple offers and brand deals as well as discounts on purchases.

Which Credit Card to Choose?

When you are choosing a credit card, it is important to consider your lifestyle needs and your spending habits.

If you are a frequent traveler then get a credit card that is specifically for travel. For online shoppers, you can get a shopping credit card.

The credit limit offered by the bank is also an important factor, make sure you get the highest credit limit. So, a two-factor credit score and your income are important factors that determine your credit limit, hence, make sure to have a strong credit score and income document which will be your best credit card.

Look for a card with a low-interest rate, reasonable fees, and rewards that align with your needs and lifestyle.