Are you thinking to apply for a credit card and are confused what to do? Then this article is for you. It contains all the required details you need to know regarding credit cards starting with the Joining Fee, Annual Fee and benefits that they provide. Read the article further to know more about the credit cards in detail.
Best Credit Cards in India for January 2025
Below are the 10 best credit cards in India that you can apply for in January 2025 –
SBI Cashback Credit Card
Annual Fee: Rs 999+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
● 5% cashback on online shopping
● The card is accepted globally
● Card Tap for instant and contactless payments
● SBI Credit Card offers exclusive discounts on utility payments
HDFC Millennia Credit Card
Annual Fee: Rs 1000+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
● 5% cashback on online shopping and utility payments
● Higher purchases can be converted into EMIs
● Domestic Airport lounge access
● Discounts at selected restaurants
HDFC Regalia Gold Credit Card
Annual Fee: Rs 2500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
● Offers fuel waiver, Up to 20% discount offer at restaurants
● Domestic and International airport lounge access
● 5% cashbacks on utility payments
Standard Chartered Platinum Rewards Credit Card
Annual Fee: Rs 250+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
● Reward points on shopping and entertainment expenses
● EMI conversion can be easily done
● Credit Card is accepted globally
● Premium card with exclusive discounts
Axis Bank Insta Credit Card
Annual Fee: No Annual Fee
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
● One can get instant approval with the help of Fixed deposit account.
● The card is cost effective as it has no fees attached to it.
● EMI conversion can be done
● Minimal Documentation and Enhanced Safety
Best Credit Cards for Salaried Individuals
There are many salaried individuals who look for a good credit card to control and manage their expenses. They are the ones who seek exclusive Benefits and discounts through the credit card. If you are one of these people then consider the credit cards listed below-
American Express Membership Reward Credit Card
Annual Fee: Rs 4500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn up to 5000 reward points after multiple transactions
- Travel benefits for travel enthusiasts
- Amount higher than Rs 2500 can be converted into EMI
- Various lifestyle benefits through Amercian Express Offer Program
HSBC Visa Platinum Credit Card
Annual Fee: No Annual Fee
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Card holder has no liability in case of misplaced credit card
- Balance from other credit card can be transferred at lower interest to HSBC account
- Offers domestic access at selected airport lounge
- Attractive reward points on every transaction
ICICI Platinum Chip Credit Card
Annual Fee: No Annual Fee
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Embedded Chip for additional security
- Reward points on everyday expenses
- Attractive discounts on selected brands
- Advantage of ICICI Bank offers across various categories
Best Credit Cards for Shopping
If you are someone who loves shopping and enjoy cashback and reward points on the same then do not worry. We have got you covered as well. Below are the details of the top credit cards for online shopping enthusiasts.
Standard Chartered Manhattan Credit Card
Annual Fee: Rs 999+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- 5% cashback on groceries and everyday essentials
- Reward points on utility payments
- High amount purchases can be converted into EMI
- Exciting offers on dining and entertainment
SBI Prime Credit Card
Annual Fee: Rs 2999+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- The foreign currency markup is quite low
- Welcome gift worth Rs 3000
- Free entertainment movie tickets
- Domestic and International airport lounge access
IDFC FIRST Select Credit Card
Annual Fee: No Annual Fee
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Access at selected airport lounge
- Provides insurance coverage to their customers
- Reward points on every transaction
- Charges lower interest rate compared to others
SBI Simply Click Credit Card
Annual Fee: Rs 499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Interest rate starts from 3.5%
- Exclusive brands on various offers
- Card Tap for instant and contactless payments
- Versatile options combined with EMI facility
Conclusion
Thus, this was an overview of the best Credit cards in India. Every Credit card is different and unique in it’s own way. One can visit the official website of the issuer as well to get deeper insights regarding the same or can even contact the customer care number. With all the necessary facilities, the credit card is made to give you convincence and safety in the form of funds.
Best Credit cards FAQs
Which is the Best Credit Card to apply for in November?
The ICICI Platinum Chip Credit Card is considered top rated.
Which credit card is applied by many individuals?
HDFC Regalia Gold Credit Card is the most famous.
HDFC considers which credit score?
CIBIL score works for HDFC.