Have you always desire to have the best credit card? Whether you are a college student or a recent graduate, it is important to have the best credit! but wait! Do you know what are the best credit cards in India 2021? I mean you just can’t pick any credit card for yourself. So do you know which card you should consider first on your list? If you don’t then let me welcome you to this post.
Today, In this post we are gonna discuss the best credit cards in India that you can have and other than this we are gonna discuss some other aspects that should be considered while choosing the best credit card for yourself. We are sure that at the end of this post you are gonna decide on your own which credit card is really suitable for your needs. So, without any further ado let’s get started.
What Is a Credit Card?
Most people must be thinking why are we even discussing this topic but trust me I have personally seen many people who really wants to have a credit card but they don’t really know what exactly a credit card is, so it is important to raise out this topic in this post so It is an electronic payment tool that enables customers to make cashless payments for their purchases. When you use a credit card, you will transfer money from your bank account to the retailer without having to open an account. The retailer will then give the money back into your account (transfer) after you’ve made your purchase and it has been processed by their payment processor.
Top 7 Best Credit Cards in India 2021
Let’s dig deep and know more about the best credit cards in India 2021.
1. HDFC Millennia Credit Card
This credit card comes first on our list because as we know HDFC is the most trusted bank and yes this HDFC Millennia credit card is the best credit card that you can have. This card will allow you to pay off your minimum payment as soon as possible. You can have a lot of cashback with this credit card and there are some other features as well, that you can really explore.
You can have 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000 Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance) 2.5% CashBack on all online spend (minimum transaction size of ₹2000, maximum CashBack = ₹750 / calendar month) 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum CashBack = ₹750 / calendar month). Which is really great.
You can have this credit card but of course, you have to be eligible first not just any person can get this credit card so easily so you just have to be 21 as a matter of age and if you do a job then your minimum salary should be 25k and if you are self-employed then also your annual income should be more than 6 lakhs. Let’s just not forget that you have to pay some nominal amount as joining fees before getting your credit card.
2. SBI SimplyCLICK Credit Card
SBI SimplyCLICK credit card is the best credit card in India for those who want to have a regular minimum payment. The minimum payment that you will have to pay will be converted into prime interest every month. This is the best credit card you can have. There are many people who trust SBI the most for those this is the best credit card for those people.
you can have 10x Rewards on online spending at partner stores. 5x Reward Points on all online spends Amazon voucher worth Rs.500 as welcome gift. Bonus rewards on annual spend online. 0% fuel surcharge. which is great for a credit cardholder. As we have already discussed that you have to be eligible for having a credit card so there are some particular eligibility criteria for having this credit card and you can easily check that here.
Also Read: SBI Paywave International Debit Card
3. IDFC FIRST Millennia Credit Card
The IDFC FIRST Millennia Credit Card is the best credit card in India for those who want a lower balance. This card will allow you to pay off your balance at a lower interest rate. Well, This bank is not that old if we compare this bank to others but this has proved its worth over the years and that is why this bank’s credit card is on our list. You would not regret having this credit card for sure.
You can have a Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance 5% cashback on the transaction value for your first EMI transaction within the first 90 days of card issuance (no upper cap on cashback amount) and many more features of having this credit card if you wanna know more about this credit card just click here and read all the details for your own satisfaction.
This card has no annual fee. Lifetime Free Credit Card which I like about this credit card the most. I mean you just can save so much amount just by not giving an annual fee. As for eligibility, you have to be 21 and your salary should be 25k minimum. if you fulfill all the requirements then yes you can have this credit card and enjoy all its features.
4. SBI Prime Credit Card
We know how much SBI is trusted by all the people in India that is why we are here with another SBI credit card this is a great credit card that you can have. SBI prime credit card is the best credit card in India for those who want to have a regular minimum payment. The minimum payment that you will have to pay will be converted into prime interest every month.
You can get an e-gift voucher worth Rs.3,000 as a welcome gift. Lucrative PRIME Reward Points system. If your expenses in a year exceed Rs.3 lakh, the annual fee of the credit card will be waived off. Win a Pizza Hut voucher worth Rs.1,000 on purchases worth more than Rs.50,000 in a quarter. Get complimentary Club Vistara and Trident Privilege Memberships. It is great, isn’t it?
You must be between 18 – 70 years of age minimum if you want to have this credit card, and of course, there should be any income source and you should be financially independent. This is a great card with great features but first thing first you have to fulfill the eligibility criteria.
5. Flipkart Axis Bank Credit Card
This is the best credit card in India for those who want to get cashback on purchases and who don’t really want that right! So yes this credit card can be your best pick. Every time you will purchase anything and you are gonna get cashback with the help of this credit card I mean how amazing is that.
You will get Rs 2900 worth of joining and activation benefits on your Flipkart Axis Bank Credit Card, 5% cashback on Flipkart, Myntra, and 2GUD. 4% cashback on preferred merchants and many more if you wanna dig deep about is just click here and get whole information about it. Primary cardholders should be between the age of 18 and 70 years and yes you have to earn a minimum of 25k per month.
6. Amazon Pay ICICI Credit Card
This is another best credit card that placed 6th on our list. ICICI is a famous and trusted bank and many people trust this bank a lot so it is easy for them to have this bank’s credit card. This credit card is best for those who want to make online purchases using their credit card. There are no transaction fees for this card.
You can get You to earn 5% cashback on the purchases you make through Amazon India if you are an Amazon Prime member. You earn 3% cashback on the purchases you make through Amazon India, even if you are not a member of Amazon Prime. Use this card on Amazon Pay and you earn 2% cashback on the payments you make to over 100 partner merchants of Amazon Pay. You earn 1% cashback on all your other expenses, such as shopping, dining, insurance payments, travel costs and so much more.
There are many features that you can explore but first, you have to fulfill eligibility criteria that are you have to be 18 minimum and you must have any income source and your salary should be 25k minimum. only then you can apply for this credit card and have one.
7. Axis Bank Ace Credit Card
This is the last best credit card that you can have from our list. This is last on our list that doesn’t mean this is not good this is as best as one. This is the best credit card in India for those who want to get cash back on purchases. Its cashback on all purchases allows you to accumulate points that you can redeem for rewards.
You can get 5% cashback on bill payments DTH and mobile recharge on google pay. You can have cashback on every purchase, there are many more features that you can explore if you wanna know about those just click here to dig deep. As for eligibility, the Primary cardholder should be between the age of 18 and 70 years and you have any source income of course.
Frequently Asked Questions (faqs)
Is it worth even having a credit card?
Well, Credit cards can help you improve your credit score, but only if you use them responsibly so yes I guess it is totally worth having a credit card. It helps you get cashback and many more features as well.
Which credit card is best of all?
Not every credit card is worth using, that is why we personally researched and then shortlisted the best credit cards that you can have. No matter which one you are gonna choose all cards are best from one another, but if you ask me then I personally like SBI simply clicks credit card more, so you can consider that as well.
Is it really important to have a credit card?
It is not that necessary to have a credit card but I guess it is better to have one or two in your wallet, Credit cards can provide emergency funds, help you finance big purchases, and protect you from fraud, so yes it is not a need but it is good to have a credit card so its totally your personal choice whether you want to have it or not.
Oh! so you are finally here it simply means that you really read the whole article, glad to know that. Well, credit card has been made a need more than want. Every person whether that person is a graduate or a businessman everyone wants a credit card, but we always get stuck when it comes to picking one from all.
We personally got stuck when we first thought of having a credit card, that is why it came into our mind to write an article about that and help the people out there who are struggling to choose one best credit card from all, we personally researched and reviewed each and every credit card that we mentioned, so anyone you chose it doesn’t really matter because these all are just best.
we hope you like this article and found what you were looking for, if you like this article then do share this article with your family and friends don’t forget to tell us in the comment section which credit card you liked the most. If you have any queries related to this post feel free to ask them in the comment section. Keep connected for our further posts.