Choosing the right credit card can save you thousands every year. With hundreds of options in India, we’ve done the research so you don’t have to. Here are the best credit cards in India right now compared honestly.
Quick Comparison Best Credit Cards India
CardBest ForAnnual FeeKey BenefitHDFC MillenniaOnline shopping₹1,0005% cashback on Amazon, FlipkartSBI SimplyCLICKE-commerce₹49910X points on online spendsAxis ACEUtility bills₹4995% cashback on bill paymentsICICI Amazon PayAmazon usersFree5% back on Amazon PrimeFlipkart Axis BankFlipkart usersFree5% cashback on FlipkartHDFC RegaliaTravel₹2,500Airport lounge access
1. HDFC Millennia Credit Card Best Overall
HDFC Millennia is the most popular cashback card in India for a reason. You get 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato and more all platforms Indians use daily.
Key benefits:
5% cashback on partner merchants
1% cashback on all other spends
₹1,000 annual fee waived on ₹1 lakh spend
Complimentary airport lounge access (8 per year)
Zero lost card liability
Who should get it: Anyone who shops online regularly and spends ₹15,000+ per month.
2. SBI SimplyCLICK Best for E-Commerce
SBI SimplyCLICK gives 10X reward points on online spending one of the highest reward rates for online shopping in India.
Key benefits:
10X points on Amazon, BookMyShow, Cleartrip, Lenskart
5X points on all other online spends
Annual fee ₹499 (waived on ₹1 lakh annual spend)
₹500 Amazon voucher on joining
e-statement discount
Who should get it: Heavy Amazon and online shoppers.
3. Axis ACE Credit Card Best for Bill Payments
Axis ACE gives flat 5% cashback on utility bills paid via Google Pay highest cashback on bill payments in India.
Key benefits:
5% cashback on bill payments via Google Pay
4% cashback on Swiggy, Zomato, Ola
2% cashback on all other spends
Annual fee ₹499 (waived on ₹2 lakh spend)
No upper limit on cashback
Who should get it: People with high monthly utility bills and food delivery spends.
4. ICICI Amazon Pay Credit Card Best Free Card
No annual fee + 5% cashback on Amazon for Prime members = best zero-fee card in India.
Key benefits:
5% back on Amazon (Prime members)
3% back on Amazon (non-Prime)
2% back on partner merchants
1% back everywhere else
No annual fee ever
Instant approval for most applicants
Who should get it: Amazon Prime members who want a free card.
5. Flipkart Axis Bank Credit Card Best for Flipkart
If you shop more on Flipkart than Amazon, this free card gives you 5% back on every Flipkart purchase.
Key benefits:
5% cashback on Flipkart and Myntra
4% cashback on preferred merchants
1.5% cashback everywhere else
No annual fee
Welcome benefits worth ₹1,100
Who should get it: Regular Flipkart and Myntra shoppers.
6. HDFC Regalia Best for Travel
Best premium travel card in India. Comes with unlimited lounge access, travel insurance, and high reward rates.
Key benefits:
Unlimited domestic airport lounge access
6 international lounge visits per year
4 reward points per ₹150 spent
Complimentary travel insurance up to ₹50 lakh
Annual fee ₹2,500 (waived on ₹3 lakh spend)
Who should get it: Frequent flyers and business travellers.
How to Choose the Right Credit Card
Ask yourself these questions:
Where do you spend most?
Online shopping → HDFC Millennia or SBI SimplyCLICK
Amazon specifically → ICICI Amazon Pay
Flipkart specifically → Flipkart Axis Bank
Bill payments → Axis ACE
Travel → HDFC Regalia
What is your monthly spend?
Under ₹10,000 → Free card (ICICI Amazon Pay)
₹10,000-25,000 → Mid-range card (Axis ACE, SBI SimplyCLICK)
₹25,000+ → Premium card (HDFC Millennia, HDFC Regalia)
Can you waive the annual fee?
Most cards waive annual fee if you meet minimum spend. Always check this before applying.
Things to Never Do With a Credit Card
Never pay only minimum due interest rate = 36-42% per year
Never withdraw cash from credit card charges are very high
Never apply for multiple cards at once hurts CIBIL score
Never miss payment due date even once affects credit score
Never spend beyond 30% of credit limit
How to Apply Safely
Check your CIBIL score first (free at Paisabazaar)
Compare cards based on your spending pattern
Apply for one card at a time
Keep income documents ready
Apply through official bank website or trusted aggregators
Disclaimer: Interest rates, fees and benefits mentioned are approximate and may change. Always verify current terms from the official bank website before applying. We may earn affiliate commission if you apply through links on this page.
