Best Credit Cards India| North Loop Official Blog
North Loop Logo
North Loop
09 Nov 2020

Best Credit Cards India

thumbnail for Best Credit Cards India
Credit: North Loop

Credit Cards are one of the best instruments during financial emergencies, especially when your cash dries out. In addition to boosting an individual’s purchasing power, credit cards help build one’s credit scores and also provide the benefit of reward points that gets accrued on each transaction.
Credit cards can vary depending on the type of usage/spending pattern and lifestyle needs, which can often confuse customers and we’ve covered some of the best credit cards in India in this article.

Best Credit Cards India-

Best Credit Cards India
SL No.Name of the CardBest Suited For
1.SimplySAVE SBI Credit CardShopping and Lifestyle
2. HDFC Regalia Credit CardShopping and Lifestyle- Premium
3.HSBC Visa Platinum Credit CardTravel and Dining
4. Axis NEO Credit CardShopping and Lifestyle
5. Indian Oil Citi Platinum Credit CardFuel
6. Amazon Pay ICICI Bank Credit CardShopping and Lifestyle
7. American Express Membership Rewards® Credit CardShopping and Lifestyle
8.Kotak Essentia Platinum Credit CardShopping and Lifestyle
9. IndusInd Platinum Master Credit CardTravel and Lifestyle
10. Standard Chartered Ultimate Credit CardTravel


1. SimplySAVE SBI Credit Card- This is a type of shopping and lifestyle credit card with a wide range of benefits such as 10x reward points on dining, movies, departmental and grocery store transactions, 1% fuel surcharge rebate at any petrol pump, membership fee reversals, etc. This card has a one time annual fee of Rs 499 and an annual renewal fees of Rs. 499.

2. HDFC Regalia Credit Card- This is a type of shopping and lifestyle credit card with a wide range of benefits such as Complimentary Zomato Pro Membership for the First Year, 12 complimentary airport lounge access, rewards on each transaction, Zero Cost liability, Concierge benefits, 1% fuel surcharge waiver, etc. This card has a joining/ renewal membership fee of Rs. 2500 plus taxes and an interest-free period of up to 50 days.

3. HSBC Visa Platinum Credit Card- This is a type of travel and dining credit card with a wide range of benefits such as zero joining and annual fees, Introductory benefits of up to Rs. 2500, 2 reward points for every INR150 spent, Amazon and BookMyShow vouchers upon meeting threshold limits, fuel surcharge waivers, etc.

4. Axis Bank Neo Credit Card- This is a type of shopping and lifestyle credit card with a wide range of benefits such as 10% off on movies, recharges and online shopping, Amazon, BookMyShow, and Myntra, 15% discount at partner restaurants, etc.The card has a joining fee of Rs. 250 and an annual fee of Rs. 250.

5. IndianOil Citibank Platinum Credit Card- This is a type of fuel credit card with a wide range of benefits such as Rs. 250 worth of free fuel on the first transaction, full waiver of 2.5% fuel surcharge, 4 Turbo Points for every 150 spent, zero annual fees. The card also has regular benefits such as Citibank dining privileges, Citibank movie privileges, online bill payments, etc.

6. Amazon Pay ICICI Bank Credit Card- This is a type of shopping and lifestyle credit card with a wide range of benefits such as cashbacks on transactions on Amazon.in, 15% savings on dining bills at partner restaurants, waiver of 1% on fuel surcharge, etc. This card has 0 joining fees and 0 annual fees.

7. American Express Membership Rewards Credit Card- This is a type of shopping and lifestyle credit card with a wide range of benefits such as 1 membership reward points on every Rs. 50 spent, bonus membership rewards points, fuel surcharge waiver, up to 20% discount on dining bills at partner restaurants, etc. The card has a first-year annual fee of Rs. 1000 plus taxes and the subsequent annual fees are Rs. 4500 plus taxes.

8. Kotak Essentia Platinum Credit Card- This is a type of shopping and lifestyle credit card with a wide range of benefits such as 10% savings on departmental and grocery store transactions, reward points on each transaction, purchase milestone benefits like complimentary PVR movie tickets, etc. This card has a joining fee of Rs. 1499 and an annual fee of Rs. 749.

9. IndusInd Platinum Master Credit Card- This is a type of travel and lifestyle credit card with a wide range of benefits such as 1.5 reward points for every Rs. 150 spent, insurance benefits, fuel surcharge waivers, 1 + 1 on movie tickets, airport lounge access, etc.

10.Standard Chartered credit card- This is a type of travel credit card, with a wide range of benefits such as cashbacks on travel, complimentary access to 20 premier golf courses in India, up to 25% discount on dining bills at participating restaurants, reward points on each spend, etc.

Get a zero-balance, no-fee NRE/NRO account with North Loop in 5 minutes

North Loop offers a wide range of Fintech solutions in the credit space, especially credit cards with no credit history required and opportunities to earn up to 5% cashback and airline miles. You can sign up with North Loop here.

Save money with

No-fee banking, investments, remittances & insurance for the global Indian

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended be advice. You must obtain professional advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax, investment or other professional advice from North Loop or its affiliates. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. All opinions expressed do not reflect the views of North Loop nor are endorsed by North Loop.