Best Credit Cards in India for 2023

Best Credit Cards in India for 2023: India is one of the fastest-growing economies in the world. And with that comes a lot of new opportunities for credit cards and other financial products. In this blog, we’re going to take a look at some of the best credit cards in India for 2022.

There are a lot of factors to consider when choosing a credit card, but one of the most important is the APR. The APR on a card will tell you how much interest you’ll be charged on your balance each month. Some cards have very high APR rates, while others have lower rates.

Best Credit Cards in India for 2023
Best Credit Cards in India for 2023

Some of the best credit cards in India for 2022 have low APR rates, which makes them a great option if you’re looking to build your credit score.

Best Credit Cards in India for 2022

As we enter 2023, it is important to consider what the best credit cards in India are for your specific needs. With so many options available, it can be difficult to determine which card is right for you. To help make the decision easier, we have compiled a list of the top credit cards in India for 2022 based on factors such as interest rates, rewards programs, and annual fees.

From cashback and travel rewards to low-interest rates and balance transfers, this list is sure to have something for everyone. With these cards in hand, you can make sure you get the most out of your spending in the new year.

1. HDFC Millennia Credit Card

The HDFC Millennia Credit Card is a great option for those looking for a credit card in India for 2022. It offers a wide range of rewards and benefits, including cashback on all purchases, exclusive discounts on travel and lifestyle, and complimentary lounge access.

Furthermore, it features one of the lowest interest rates in the country, making it a wise choice for those who are looking to save money. With its various features and benefits, the HDFC Millennia Credit Card should definitely be considered when shopping for the best credit card in India for 2022.

2. Axis Bank Platinum Credit Card

The Axis Bank Platinum Credit Card is another great option for those looking for a credit card in India for 2022. It offers a wide range of rewards and benefits, including cashback on all purchases, exclusive discounts on travel and lifestyle, and complimentary lounge access. Furthermore, it features one of the lowest interest rates in the country, making it a wise choice for those who are looking to save money.

The Axis Bank Platinum Credit Card is also one of the most secure cards available, with its protection against theft and fraud. If you’re looking for a card that will offer you lots of benefits and rewards, the Axis Bank Platinum Credit Card should definitely be your top priority when shopping for the best credit card in India for 2022.

3. Axis Ace Credit Card

The Axis Ace Credit Card is one of the best credit cards in India for 2022, offering a host of benefits including cashback on purchases, rewards points, and flexible payment options. This card also provides additional discounts and offers from partner merchants and online platforms, making it an ideal choice for those looking to save money while shopping. With its round-the-clock customer service and easy-to-use mobile app, Axis Ace Credit Card makes managing finances simple and convenient.

4. Amex MRCC

The American Express Membership Rewards Credit Card (Amex MRCC) is a great option for those looking for a credit card in India. It offers a wide range of rewards, including Cashback, Air Miles, and more, that can be redeemed for discounts and freebies. Additionally, the Amex MRCC has an extensive network of merchants, making it easy to shop from the comfort of your home. With its low annual fee and generous rewards program, the Amex MRCC is one of the best credit cards in India for 2022.

5. SBI Cashback Card

The SBI Cashback Card is one of the best credit cards available in India for 2022. The card offers a range of benefits and rewards, including cashback on purchases, discounts on fuel, travel, dining, and entertainment, and rewards points that can be used to redeem exclusive SBI offers. The card also comes with a low annual fee and a low-interest rate, making it the perfect choice for those looking to make the most of their credit card spending.

6. ICICI Amazon Pay Credit Card

The ICICI Amazon Pay Credit Card is one of the best credit cards available in India for 2022. This card offers customers a wide range of benefits, including rewards points that can be redeemed for exclusive discounts and cashback on Amazon purchases. It also provides cardholders with a complimentary subscription to Amazon Prime and accelerated rewards on travel and dining expenses.

Furthermore, the card features no annual fees and an array of additional features, such as zero lost card liability, easy access to balance transfers, and fraud protection services. With these features and more, the ICICI Amazon Pay Credit Card makes it easy to make the most of your spending in 2022.

7. BOB Eterna

The BOB Eterna credit card is a great choice for individuals looking to maximize their rewards potential in India. With no annual fee, generous cashback offers, and a low-interest rate, consumers can save money on their purchases while receiving rewards.

Plus, the card provides access to an extensive list of discounts and exclusive promotional offers for online shopping. With its unique reward program, the BOB Eterna credit card is an ideal choice for any consumer looking for the best credit cards in India for 2022.

8. HDFC Regalia

The HDFC Regalia Credit Card is one of the best credit cards in India for 2022. This card offers a range of benefits such as reward points, cashback, discounts, and more. It also offers exclusive privileges such as access to luxury lounges at airports, free access to golf courses, and discounts at select restaurants.

Furthermore, customers can enjoy exclusive discounts on flights, hotels, and other travel bookings when they use the HDFC Regalia Credit Card. With all these features and benefits, this card is a great choice for anyone looking to maximize their savings while making purchases.

9. IDFC First Wealth

IDFC First Wealth is one of the best credit cards in India for 2022. This card offers users a range of rewards and benefits, including 5% cashback on all purchases, up to 25% on dining and entertainment, and up to 15% on groceries.

Additionally, there are no annual fees and no hidden charges, making it an ideal option for those looking to save money on their credit card purchases. Furthermore, IDFC First Wealth offers exclusive discounts and offers on select partner brands, making it a great value for its customers.

10. Amex Platinum Travel

The American Express Platinum Travel Credit Card is a premier option for those looking for the best credit card in India for 2022. With a rewards program that offers up to 5 reward points per every Rs. 50 spent, this card provides an unbeatable opportunity to accumulate points quickly, while enjoying exclusive benefits like Complimentary Airport Lounge Access, Complimentary Air Ticket upgrades, and Travel Insurance.

Furthermore, the card offers a low-interest rate and extended warranty protection, making it an ideal option for those looking to travel in 2022. and discounts on hotel bookings. Furthermore, this card also offers a variety of other features such as travel insurance, emergency assistance, and 24/7 customer service. With its wide range of features and benefits, this card is an ideal choice for those looking for a credit card with excellent rewards and great value.

11. Axis Vistara Infinite

The Axis Vistara Infinite Credit Card is a standout choice for anyone looking to maximize their credit card rewards in India in 2022. It offers an array of benefits, such as 10,000 bonus Reward Points upon activation, unlimited complimentary airport lounge access, and up to 8 Reward Points per Rs. 200 spent.

There are also no caps on the number of points you can earn, no annual fees for the first year, and complimentary Priority Pass membership. Additionally, you get exclusive discounts on dining, shopping, travel, and entertainment. All these features make the Axis Vistara Infinite Credit Card an ideal choice for those seeking a comprehensive rewards program.

12. SBI Air India Signature

The SBI Air India Signature credit card offers a great combination of perks and rewards for frequent travelers. It comes with a host of exclusive benefits like complimentary Air India lounge access, free domestic airport transfers, and discounts on air tickets. This card also provides a range of additional rewards such as 5X reward points on travel bookings and 4X reward points on other purchases.

Furthermore, the card comes with an introductory offer of up to 10,000 bonus reward points when you spend Rs. 50,000 or more in the first 90 days. With its wide range of features and benefits, the SBI Air India Signature credit card is one of the best options for frequent travelers in India for 2022.

13. SBI Etihad Premier

The SBI Etihad Premier card is one of the best credit cards to consider in India for 2022. It offers a host of features and rewards, including up to 10,000 bonus air miles on joining, an annual fee waiver of up to Rs. 7,500, discounts on Etihad Airways flights, and more.

Additionally, cardholders can enjoy additional benefits such as free access to over 600 airport lounges globally, complimentary insurance covers, and exclusive deals on hotels, restaurants, and spas. With all these benefits and more, the SBI Etihad Premier card is a great choice for anyone looking for a reliable and rewarding credit card in India.

14. Axis Magnus

The Axis Magnus credit card is one of the best credit cards available in India for 2022. This credit card offers a high rewards program with no annual fees, allowing customers to save money while earning points. With the Axis Magnus credit card, customers can earn up to 5% cash back on all purchases and up to 10% cashback on specific categories like groceries and dining.

Additionally, the Axis Magnus credit card offers a low-interest rate of 12.50% and a wide range of discounts and offers from select merchants. Customers also benefit from a 24/7 customer service line, an easy-to-use mobile app, and an array of fraud protection features. With its comprehensive features, the Axis Magnus credit card is certainly a great choice for those looking for an all-in-one credit card experience in India.

15. HDFC Infinia

The HDFC Infinia card is one of the best credit cards available in India for 2023. It features a wide range of rewards and benefits, making it a great choice for anyone looking to maximize their rewards. These include reward points on every purchase, accelerated rewards when using the card to pay at partner merchants, access to exclusive airport lounges, and much more. It also offers exceptional security features, such as an EMV chip and PIN technology, making it a safe and secure way to make purchases.

16. HDFC Diners Black

The HDFC Diners Black Credit Card is a top choice for those seeking the best credit card options in India for 2022. Offering a host of rewards and benefits, this card includes an annual fee that is waived off on the first anniversary, along with up to 5% cash back on select categories, complimentary access to airport lounges, and much more. With its wide range of features and competitive interest rates, this credit card is sure to be a popular choice among consumers.

17. Stan. C. ultimate

The Stan C Ultimate credit card is one of the best credit cards available in India for 2022. Boasting a wide variety of benefits and features, including unlimited rewards points, cashback offers, accelerated rewards, and exclusive discounts, this card is a great choice for anyone looking to save money on their purchases.

Additionally, the Stan C Ultimate card offers a low-interest rate and a high credit limit, making it an ideal choice for those looking for maximum financial flexibility. With all these amazing features, the Stan C Ultimate credit card is sure to make your financial life easier in 2022.

18. Amex Plat Charge

The American Express Platinum Charge Card is one of the best credit cards available in India for 2022. With an annual fee of Rs. 5,000, users get access to a host of benefits including unlimited lounge access at more than 800 international airports, complimentary domestic and international airport transfers, and access to a range of exclusive events. Additionally, users also get up to 10x reward points on all their spending and an array of discounts from partner merchants. The card also offers a flexible payment option with up to 55 interest-free days.

19. Axis Reserve

Axis Bank’s Reserve Credit Card is one of the best credit cards in India for 2022. This card offers a host of benefits and rewards, such as up to 5% cashback on online transactions, up to 10% cashback on utility bills, and access to a wide range of airport lounges. It also offers exclusive benefits, such as dining privileges at select restaurants and complimentary movie ticket vouchers. With this card, customers can enjoy a wide range of discounts and offers from Axis Bank, making it an ideal choice for those looking to make the most of their money.

FAQ’s

Which is the best credit card in India for 2022?

Assess your annual expenditure and select the cards from that list. Calculate your spending to determine which card best suits you!

How many Credit Cards can I have?

As many as you need. Start with 2 cards if you’re new to the system and increase the count gradually based on your spending. 5 cards are sufficient for most.

Which Credit Card has the best customer service?

The trusted names in credit card issuers, such as Amex and Citi, are renowned for their exceptional customer service. If you seek the same kind of treatment with any bank- no matter if that be a premium offering or not – then we encourage you to give it a shot as long as your bank card is one of their super-premium Cards!

Which Bank Credit card is best in India?

HDFC Bank is the market leader and has very good merchant offers as well. So start with HDFC and add others as per your requirement. Consider having one Amex card for a mix.

Which is the best fuel credit card?

None. Just buy HPCL gift cards or HP Paycode or HP Pay app using any of your existing cards. Works well for most. You may also use Paytm Wallet.

What about Uni Card, Slice, and other BNPL cards?

Uni Cards is better over slice due to support and overall user experience. The merchant offers are good these days on most BNPL cards, but it’s like CRED, the offers are only for acquiring customers.

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