10 Best Credit Cards in India

Decoding Plastic: The 10 Best Credit Cards in India for Every Wallet

Folks, today, we’re diving head-first into the labyrinth of credit cards in India, and boy, is it a wild ride.

I mean, who knew a little piece of plastic could give you so much, right?

From sizzling air miles to sumptuous dining discounts, we’re unmasking the top 10 credit cards in India that can make your wallet do a little happy jig.

1. HDFC Regalia Card

Let’s kick off with a crowd-pleaser. The HDFC Regalia Card is a royal treat, thanks to its hefty reward points on travel and dining.

The annual fee? A cool INR 2,500.

But with a low foreign currency markup and complimentary airport lounge access, it pays for itself if you’re a frequent flyer.

2. SBI SimplyCLICK Card

Got a serious case of the ‘Add to Cart’ syndrome? The SBI SimplyCLICK Card is your best buddy.

It throws around reward points on online shopping like confetti. The annual fee is a pocket-friendly INR 499, and the interest rate stands at 3.35% per month.

3. American Express Platinum Travel Card

Alright, globetrotters, this one’s for you. The American Express Platinum Travel Card is your passport to some juicy travel benefits.

Sure, the annual fee of INR 5,000 may cause a little heartburn, but the welcome gift of 5,000 Membership Rewards Points, travel vouchers, and lounge access eases the pain.

4. Axis Bank My Zone Credit Card

Movie buffs, rejoice! With the Axis Bank My Zone Credit Card, you’re looking at up to 25% cashback on movie tickets.

A humble INR 500 is all you pay as an annual fee, and the interest rate? A competitive 3.25% per month.

5. ICICI Amazon Pay Card

Hey, who doesn’t love a little cashback love from Amazon? With the ICICI Amazon Pay Card, you’re looking at a whopping 5% cashback on Amazon purchases.

There’s no annual fee, and the interest rate sits pretty at 3.40% per month.

6. Citi Cashback Card

The Citi Cashback Card is like a generous grandma, giving you cashback on all your spends.

The annual fee is INR 500, and the monthly interest rate is 3.25%. Not too shabby, eh?

7. HSBC Visa Platinum Card

The HSBC Visa Platinum Card is a solid all-rounder with its reward points and cashback on dining, hotels, and more.

There’s no annual fee, and the interest rate is a reasonable 3.3% per month.

8. Standard Chartered Manhattan Platinum Card

If you’re a supermarket savvy, the Standard Chartered Manhattan Platinum Card should be on your radar.

You can rake in up to 5% cashback on supermarket spends. The annual fee is INR 999, and the monthly interest rate is 3.49%.

9. Kotak Royale Signature Card

Luxury lovers, the Kotak Royale Signature Card is right up your alley. From dining to travel, it piles on the reward points.

The annual fee of INR 999 isn’t too hard to swallow when you factor in the perks.

10. RBL Bank Platinum Maxima Card

Finally, the RBL Bank Platinum Maxima Card is an underdog that shines with its 2x reward points on dining, entertainment, and utility bill payments.

The annual fee is INR 2,000, and the interest rate is 3.99% per month.


Let’s compile all the crucial information into one place.

Here’s a markdown table featuring all 10 cards we discussed:

Credit CardAnnual FeeInterest RateKey Benefit
HDFC Regalia CardINR 2,500Not specifiedReward points on travel and dining, low foreign currency markup, complimentary airport lounge access
SBI SimplyCLICK CardINR 4993.35% per monthReward points on online shopping
American Express Platinum Travel CardINR 5,000Not specifiedWelcome gift of 5,000 Membership Rewards Points, travel vouchers, lounge access
Axis Bank My Zone Credit CardINR 5003.25% per monthUp to 25% cashback on movie tickets
ICICI Amazon Pay CardNo annual fee3.40% per month5% cashback on Amazon purchases
Citi Cashback CardINR 5003.25% per monthCashback on all spends
HSBC Visa Platinum CardNo annual fee3.3% per monthReward points and cashback on dining, hotels, etc
Standard Chartered Manhattan Platinum CardINR 9993.49% per monthUp to 5% cashback on supermarket spends
Kotak Royale Signature CardINR 999Not specifiedReward points on luxury spends like dining and travel
RBL Bank Platinum Maxima CardINR 2,0003.99% per month2x reward points on dining, entertainment, and utility bill payments

Please remember, for the most accurate comparison, refer to the bank’s official websites or contact their customer service, especially for cards where the interest rate was not specified in the previous text.

You bet, let’s break it down to the most suited card for different needs:

Best Credit Card for Shopping

Our vote for the best shopping buddy goes to the SBI SimplyCLICK Card. It’s all about that ‘Add to Cart’ life, rewarding you with points for every online purchase.

And hey, at an annual fee of just INR 499 and a 3.35% monthly interest rate, it’s practically a steal.

Best Credit Card for Travel

Hands down, the American Express Platinum Travel Card is the perfect partner for your wanderlust. With its generous welcome gift of 5,000 Membership Rewards Points, travel vouchers, and lounge access, you’ll be globetrotting in style.

The annual fee of INR 5,000 may seem hefty, but considering the perks, it’s a small price to pay.

Best Credit Card for Online Purchases

Finally, for all you e-commerce enthusiasts, the ICICI Amazon Pay Card is a dream come true. With a whopping 5% cashback on all Amazon purchases and no annual fee to worry about, your online shopping sprees just got a whole lot more rewarding.

And there you have it.

Ten credit cards that give you more than just a buying power—they give you rewards, benefits, and, let’s face it, a bit of bragging rights.

So, folks, pick your plastic wisely and let the good times roll.

Frequently Asked Questions

What is a credit card?

A credit card is a plastic card issued by a financial institution, primarily a bank, that allows you to borrow money to make purchases.

How does a credit card work?

When you use a credit card, you’re borrowing money from the card issuer, which you’ll need to pay back either in full or over time with interest.

How do I apply for a credit card?

You can apply online through the bank’s website or by visiting a local branch. You’ll need to provide personal and financial information.

What is a credit limit?

The credit limit is the maximum amount you can charge to your credit card. This limit is set by the card issuer based on your credit score and income.

What is an annual fee?

Some cards charge an annual fee for the benefits and rewards they offer. This fee is charged once a year and varies from card to card.

What are reward points?

Reward points are earned for every purchase made using a credit card. These points can be redeemed for various gifts, cashback, or air miles, depending on the card.

How is interest calculated on a credit card?

Interest is calculated based on the outstanding balance at the end of each billing cycle if you do not pay the full amount.

What happens if I miss a payment?

Missing a payment can result in a late fee, a higher interest rate, and a negative impact on your credit score.

What is a cash advance?

A cash advance allows you to withdraw cash from your credit card, but typically comes with high fees and interest rates.

What is a balance transfer?

A balance transfer allows you to move your debt from one credit card to another, often with a lower interest rate for a promotional period.

Is the HDFC Regalia Card good for travel?

Yes, HDFC Regalia Card offers reward points on travel and dining, low foreign currency markup, and complimentary airport lounge access.

Does the SBI SimplyCLICK Card offer benefits for online shopping?

Yes, SBI SimplyCLICK Card offers reward points for every online purchase.

Is the ICICI Amazon Pay Card suitable for online purchases?

Absolutely. The ICICI Amazon Pay Card offers 5% cashback on all Amazon purchases.

Can I get a credit card with no annual fee?

Yes, some credit cards like the ICICI Amazon Pay Card and HSBC Visa Platinum Card offer no annual fee.

Which is the best credit card for cashback?

The Citi Cashback Card offers cashback on all spends.

Which credit card is best for dining and entertainment?

RBL Bank Platinum Maxima Card offers 2x reward points on dining and entertainment.

Which credit card is the best for shopping?

SBI SimplyCLICK Card is an excellent choice for shopping, as it offers reward points on online shopping.

What is the best credit card for travel?

American Express Platinum Travel Card is ideal for travel, offering welcome gift points, travel vouchers, and lounge access.

Which is the best credit card for online purchases?

ICICI Amazon Pay Card is the best for online purchases, offering 5% cashback on Amazon purchases.

Can I have more than one credit card?

Yes, you can have more than one credit card. However, it’s important to manage them wisely to avoid debt and maintain a good credit score.

You might find these articles interesting
Mani Karthik

About the Author

Mani Karthik

Entrepreneur, Mentor & Blogger.
I help business grow & scale. Have helped 15+ companies scale in US, Middle East and India.
I share everything I learned on this blog, so that you benefit. Here’s more about me.

93 responses to “10 Best Credit Cards in India”
  1. Kamalan

    This list is great. Thanks Mani Karthik.

  2. Vidhu Singh

    Hey Mani,
    Well, actually I am looking for a card with 0% interest.
    is there SBI provide these type of card.
    If yes then tell me how to apply for sbi credit card online
    Thanks sir.

  3. Tapan Sharma

    Hi Karthik
    I’ve three credit cards – Amex Platinum reserve card (1st yr), SBI Gold free card and Amazon ICICI card. I’m looking for three things in a card – Domestic Lounge service as I travel for office work (Air India), Min two complementary Golf rounds per month and cash back on purchases. Can you suggest one / two cards that meet the requirement. Should I surrender any of the above card. I’m planning to upgrade SBI card or surrender it. Please advice.


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  7. gunjan

    hii mani

    i am looking for a credit card which will give me good cashback offers on online purchases, fuel and access to lounges in domestic as well as international airports across india . Also the credit card should be acceptable at all places. i dont intend to keep more than 01 credit card. so in short i am looking for an all rounder credit card with miimum annual charges.

    please suggest



  8. Amit

    Hi Mani,

    Looking forward for your updates for January 2017


  9. Rajesh Babu

    I am an NRI. I don’t have a credit card in India. I would like to apply for a credit card for the usage in India as well as abroad. I may not use it regularly but only to keep as an emergency fund (or to book tickets in EMI). Could you please suggest a card without annual fee.? Which is the best one offers lowest rate of interest.?

  10. Mani Karthik

    Hi Raaz,

    India Govt. has announced that they will give ~10% discount for LIC premium payments via credit cards. You could utilize this feature when it is live.

  11. Mani Karthik

    Hi Majeesh,

    I would keep 1 and 2 if you really want to only keep 2 cards. But realistically you will just need the HDFC money back credit card with no annual fee. You have 65K and it’s a good cashback card where you can put your regular purchases on.

  12. Mani Karthik

    I wouldn’t recommend ditching cards if you already have them. If it’s a no annual fee card, then reduce the usage and keep it with you as sometimes, dropping a card might reduce your credit score. I would definitely keep the HDFC Regalia one.

  13. Pradeep

    Hi Mani Karthik, Nicely written article describing the various Cards in Brief. Keep it up.

    Can u suggest among the following Cards, which ones to keep and which one to ditch depending upon the rewards/cashbacks/features/annual-renewal rates.
    -HDFC Regalia Visa (Lifetime)
    -SBI Elite Visa (4999+Tax)
    -Standard Chartered Emirates (Skywards) Platinum World Master (3000+Tax)
    -Amex Platinum Travel (1st Year Free & then 5000+Tax)
    -Citi Premier Miles (3000+Tax)

    Right now having first 4 out of 5.



  14. Majeesh M

    Hi, I request your help in selecting the best credit card for me. I’ve 3 active credit cards &my usage goes from Rs 3,000 – Rs 18,000 per month which includes stationary purchases, online payments, fuel filling & paying bills etc. Presently I’ve the following credit cards:
    1. ICICI platnium credit card with limit of 75,000 (annual fee: 199 + tax, waived if spending > 50,000)
    2. HDFC money back credit card with limit of 65,000 (no annual fee)
    3. SBI simply save credit card with limit of 90,000 (annual fee: 499 + tax, waived if spending > 75,000)

    I wish to filter the cards to 1 or 2. Please share your suggestion. Any help in this regard will be appreciated. Thanks in advance.


  15. Mani Karthik

    Are you going to get one for the first time Hari, then I would suggest getting a prepaid card to build your credit. Details.

  16. Akhil

    Thanks for the reply Mani, I really appreciate it, I have another question.

    I have almost decided to got for the Regalia First for 2 lakhs FD, but sometimes I have transactions that are almost 80%-90% of the credit limit(in this case 85% of 2 lakhs), I do not want these high utilization transactions to affect by CIBIL score. In that case can I Increase the credit card limit by depositing more money into the credit card account, is this possible with HDFC secured credit cards(Regalia First) ?

  17. haris

    tell me i am with zero knowledge of credit cards ,suggest one card which will help my shoping and get more cash backs on online purchase

  18. Raaz

    Hi Mani.. I am a premium bank customer. I already have HDFC REGALIA and STANDARD CHARTER MANHATTAN CARD. Both are life time free and therefore i am looking for my 3rd credit card. I need this card to make my LIC premium payment every year which is over rs one lakh. But I heard that American Express as well as SBI don’t give reward benefits for making LIC premium payment, can u confirm if this is right. Also can u suggest me a card which gives maximum reward points or Cashback on LIC premium payment of rs.one lakh.

  19. Mani Karthik

    Great. Yes, I will opt for Regalia first for 2 Lakhs, use it within 20-30% every month, pay off the balances fully every month and build your score for the next six months or so. Once you have build your credit score, you can go for better ones. Here are some tips to improve your credit score.

  20. Akhil

    Hi Mani,

    I was planning for a secured Credit Card, so recently paid a visit to my local HDFC branch, I was offered HDFC regalia card for 4 lakhs, and Regalia first for 2 Lakhs, since regalia is being downgraded from Nov 1, should i go for the Regalia first for 2 lakhs FD ?

  21. Mani Karthik

    Hi Sunil,

    Good call. Most of us are big on debit cards and less credit savvy, but it’s a lot more rewarding. Welcome to the credit card world!

    If you already have FD, what I would suggest is to contact your current bank and get a secured card from them. You can use that to build credit, and once you have enough credit built, apply for a general purpose rewards credit card like one of these.

    Here’s more information on how to get credit card for a first timer.

    Feel free to contact me if you have more doubts.

  22. sunil

    Hi Mani,

    Very useful article. Keep up the good work.

    I have a decent amount of cash in FDs. Want my first credit card. Usually spend everything with debit cards- phone/net/electricity bill payments, rail tickets etc.

    Which card would you suggest?


  23. Mani Karthik

    Pandian, for new credit card users, I suggest going through this guide https://manikarthik.com/blog/first-timer-credit-cards/money/

  24. Mani Karthik


    Credit agencies and banks have different tiers they work with. For example a metro like Mumbai is highly considered credit worthy as compared to a small town, where the risks of giving credit is higher (theoretically). However, if you contact the bank directly, they will be able to help you by channeling your case to the nearest branch (in a bigger town most likely). Having said that, it all depends on your credit worthy-ness.

  25. Sreedhar

    Hello Mani
    Why is it that almost all credit cards that can be applied online have list of only major cities / metros in India. I am working in a small town and finding it difficult to get a second credit card.


  26. Mani Karthik

    For first timers, it is tough to get a credit card with big balances, because you haven’t proved your credit worthiness with a track record. First off, I’d suggest you try checking your credit score and then apply for a secured credit card with a fixed deposit. Buying a car on credit card is kind of absurd. You are better off getting a loan. Apply for the credit cards mentioned above as well, although not all of them are for first timers.

  27. Anurag Shukla

    also i have a salary account in icici bank

  28. Anurag Shukla

    Hello Mani,
    I would like to get a credit card to purchase mobile phones and smart tv and maybe also a car (it is optional as i may choose to get a car loan too). Please suggest any good credit card as i would also like to avoid fixed deposits.
    It will be my first credit card

  29. Mani Karthik

    Great. I just sent you an email with details. Please check.

  30. Mani Karthik

    That’s a good one Bandu. There’s one from SBI. Will update in the post with details. Thanks for asking.

  31. Mani Karthik

    For first time users I suggest a secured credit card. Here are the details – https://manikarthik.com/blog/first-timer-credit-cards/money/

  32. Ramneet Kaur

    Hii… I have gone through your blog helping people for credit cards.
    I will be first new credit card user, my spending would be on shopping, fuel, dining, paying bills.
    Kindly suggest me credit card which offers good reward points.

    Thanks, Ramneet.

  33. Bandu

    Is there any credit card that gives more reward points for Paytm?


  34. Rajan


  35. Mani Karthik

    Sure thing Alankrit,

    Did you fill up the application mentioned above?

  36. Mani Karthik

    Thanks for those details Yash.

  37. Mani Karthik

    All the best buddy. Let me know if you need any help starting a blog.

  38. Vishi Segal

    Consider HDFC Diners Card. I am using HDFC Diners Rewards card for more than 1 year and happy with it. I prefer either Rewards or Blank.

    Joining Fees: Nil, Annual Fees: Nil
    1. Unlimited Domestic Lounge access (Consider Blank one, if Unlimited international lounge access required)
    2. Unlimited offer: Buy 1 get 1 movie ticket
    3. Reward points, 3 points per 150, 2X if spend on HDFC Diners website (for movie, flight, hotel or some utilities), 10x on partner websites, like Uber, Flipkart etc., 2X, if spend is more than 10K per cycle.
    4. 1 reward point = Rs. 0.75

  39. Mani Karthik

    Hi Megha,

    Did you check the ones I mentioned above? HSBC Visa Platinum might be a good option for you. Check it out.

  40. Mani Karthik

    Vivek, you might want to get two cards. The Standard Chartered Super Value Titanium (http://bit.ly/mkcard1) looks like a good match for you.

  41. Mani Karthik

    Is this going to be your first card Rajan?

  42. Mani Karthik

    Hi, this is a good one (Stan Chart) http://bit.ly/mkcard1.

  43. pandian

    Hi MANI
    FIRST new credit card user.My normal usages will be booking movies tickets,shoppingcan you suggest me which credit card will be suitable for me?

  44. Rajan

    Hi Mani,
    I am planning to get my first credit card, my normal usage will be online shopping,purchase,travel tickets,Bill Payments.

    Pls suggest me.

  45. Vivek

    Hi Mani, I am looking for a card mainly for Day to day shopping of
    (1)Grocery at More/Big Baazar/Super Store Monthly Expenses = 13000 INR
    (2)Online shopping at sites like PayTM, Myntra etc = 2500 INR
    (3)Medicines = 9000 INR
    (4)Utility Bills= 3000INR
    (5)Fuel = 2200 INR
    (6)Dining = 2000 INR

    Please suggest a card on the basis of above expenses wherein I can wither make a good cashback or maximum reward points every month.

    Currently, I’m using ICICI Bank Platinum, CITIBANK INDIAN OIL TITANUM, Standard Chartered Bank Card. But I see max 1 reward point on 100 spent in these.

    I work for IBM as a Sr. Software Consultant and gets lotsa calls from bank to have free of charge card options too. I’m very confused which card should be withdrawn and which all should be continued or taken from afresh.

    Please suggest. Thanks in advance.

  46. pandian

    I am going to be a new credit card user.My normal usages will be flight tickets,booking movies tickets,shopping(not so often).can you suggest me which credit card will be suitable for me?

  47. Sameer sawant


    Thanks for the awesome update about crefot card amd your genuine help

    plz advise card forme b . below are my requirements

    1lounge access for my parents india plus abroad

    2.cash back or reqard points as this card will be used in india . mumbai for all types of shopping ie grocery. bill payments clothing amd all daily necesities

    kindly help

  48. Mani Karthik

    Have you been using a credit card already Kumar? And is this a one time purchase?

  49. Kumar

    Hi Mani,

    I want to purchase AC and TV. Please suggest me which card is the best to purchase

  50. Yash


    1. SBI Signature Card – Rs. 3000 Joining fees, Rs. 3000 Annual fees
    Access to over 600 airport lounges through a priority pass

    2. Citi Premier Miles Card – First year fee waived for Citi Priority clients, Rs. 3000 Annual fees
    2A. Visa Card
    Chennai Travels Club Domestic Terminal
    Chennai Travels Club International Terminal
    Delhi Plaza Premium Lounge Domestic Departures (T3)
    Delhi Plaza Premium Lounge International Departures (T3)
    Mumbai Carnations Lounge Domestic Departures (1C)
    Hyderabad Plaza Premium Lounge International Departures
    Hyderabad Plaza Premium Lounge Domestic Departures
    Bangalore Plaza Premium Lounge Domestic Departures
    Bangalore Plaza Premium Lounge International Departures
    Note: Limited to 8 visits per quarter per card.

    2B. Master Card
    Chennai TFS Lounge, International Departures, First Floor, Near Gate Nos 11 International Departures
    New Delhi Plaza Premium Lounge – Domestic Departures ( T3) Domestic Departures
    Hyderabad Plaza Premium Lounge – International Departure, Near Gate 32A International Departure
    Bangalore Above Ground Level Lounge – International Departures, T3 International Departure
    Offer valid till 31st Dec, 2016
    Note: Limited to 6 complimentary Airport Lounge visits per calendar quarter. Contact the respective airport lounge desk for applicable charges.

    3. Jet Airways Platinum Card – Rs.5000 Joining fees, Rs.10000 Annual fees
    Complimentary visits to 14 Domestic Airport Lounges at 12 cities in India

    4. AMEX MakeMyTrip Credit Card – Rs.750 Joining fees, Rs.1500 Annual fees
    Discounted access to 31 Domestic Airport Lounges at 14 cities in India

  51. Mani Karthik

    Sure Manu, please sign up via the application form mentioned above in the article.

  52. chandirasekar

    hi mani,

    This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.

  53. sekar

    Hi Mani,

    This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.

  54. Tushar

    This is Tushar
    I like ur blog. Its all about travel, finance, etc.
    U have managed it very well.
    India need youths like u, enthusiastic.
    Im also in search of like possibilities.
    Certainly within few years, i wil get it
    Best luck

  55. MANU

    Hi I need a card having unlimited Airport Lounge access (priority pass), dont mind paying yearly fees. Please suggest me a suitable card for the same, I am jet privilege member also.

  56. Megha

    Hi i need a High end card having unlimited Airport Lounge access (priority pass) and my spending limit is 8 lakhs per annum. dont mind paying yearly fees. would a charge card be better. presently i am using AMEX Jetairways card. howevever lounge access at Airports is limited.

  57. Mani Karthik

    I would say Citi.

  58. Mani Karthik

    Sure, did you fill up the application form? Just get it done and I can help you.

  59. sekar

    Hi Mani,

    I am planning to get my first credit card, my normal usage will be online shopping,purchase,travel tickets,Bill Payments(EB Bill,Etc)

    For this year I am planning to use a credit card.

    Can you help?

  60. parvez ali ansari

    hi mani
    can you please suggest me in these two credit card(citi platinum,hdfc moneyback) which one is best comparing all the field..

  61. Alankrit Pareek

    HI Mani

    I have an AMEX MMT and A HSBC Platinum Visa Card.

    I Want to go for a Credit Card which offers great travel benefits.

    The benefits exclusively on booking flights and travel.

    Can u help me with some names.

  62. Chandramohan. K

    I have gone through your blog.Its really great information for Credit card users. Currently I am using, HDFC-All Miles Credit Card, Citi Bank- Rewards Credit Card and SBI Gold Card. Just wanted to know that can I use this card in overseas, if so, what will be the charges or Do I need to activate for International usage. Or can I use the In-country specific credit card? Expecting your valuable advise on this. Thanks in advance

  63. Mani Karthik

    Bhumi, if it is your first, I would suggest ICICI Instant Platinum Credit Card. It’s easier to get and builds your profile there on.

  64. bhumi

    Hi Mani,
    This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.

  65. Bhagavath

    Hi Mani

    My salary account is in ICICI. I will be using the credit card regularly for official and personal transactions ( Bills payments , travel booking, shopping etc) . Presently using Standard charted Super value credit card which has cash back for money spent on fuel, utility etc and wavier in annual fee is also applicable if spent over 1.5 lakh/annum which i do in 3-4 months. Need one more card like the same where I can get benefits for all transactions. Even ok for some small Annual fee if I get good benefits. Pls advise.

  66. Yatin

    HI Mani,
    I am using HDFC ALL Miles card but their customer support is pathetic. They dont provide support whenever required.
    I would like to take your advice on KOTAK ROYALE Credit Card. I am a very frequent user and use the card during Travelling, Movies and Cashbacks.
    Please Suggest.
    Thanks in advance

  67. Tapas Roy

    Hello mr. mani how are you?
    I am going to be a new credit card user.My normal usages will be train tickets,flight tickets,booking movies tickets,fuel,shopping(not so often).can you suggest me which credit card will be suitable for me?


  68. muthu kumar

    hi i am using sbi and hdfc cards i need more credit cards what to do i am living in vijayawada

  69. suwansh

    I work outside India and i need card to buy tickets as well do international shopping and fees payment. my salary account is in SBI. Which card either credit or TM will be good for me?

  70. swarup

    Hello Mani ;
    I want a credit card on fix deposit I have only 30000. Pls suggest which was good to start up with having no joining fees and no annual fees. Having maximum credit limit with good joining offers

  71. Manish kumar

    I just got a job and planning to have a credit card, it will be my first card. Please suggest which one is suitable for me.

  72. Mani Karthik

    Hi Paramveer,

    If it’s your first card, I will recommend getting a secure credit card for a small amount so you can start with small payments and build your credit history. Once you have a decent history and score, it will be easier for your to go for a better card that has the features you requested (like CitiBank Rewards Card).

  73. Paramveer

    Hey Mani,
    Been on your blog for a couple of days now… However even after scouting over so many options.. still unable to make a decision.

    If I may.. This is why i’m looking for a card :-

    – Increase / Maintain CIBIL Reputation. ( It’ll be my first card )
    – Shop on BigBazaar, Online Retailers, Ecommerce Website, Pay Utility Bills.
    – Access to Travel Lounge
    – Travel and Movie discounts / offers
    – Swap rewards and low interest rate on EMI conversions.

    I’m confused between Reward Points and Cashback cards…

    I’ve shorlisted CitiBank Rewards Card, Standard Chartered Platinum Rewards, Landmark Rewards, Bajaj Finserv, HSBC, SBI but no Idea on what to choose.

  74. Dhananjay Surve

    HI mani,
    My name is Dhananajay(23)from mumbai ihave recently got a job and i want to buy credit card for normal uses like shopping,and dininig outside .Please suggest best credit card with no annual fee

  75. Mani Karthik

    New American Express®MakeMyTrip Credit Card is a good one if you use MakeMyTrip regularly. Also HSBC Visa Platinum Credit Card is a great option.

  76. Kalpesh

    Hi Mani. I already have Citi Premier miles. I am frequent flyer. Need another credit card. Pl. guide.

  77. Mani Karthik

    I would recommend either the Citibank Rewards card OR the HDFC bank Moneyback card, Sahil. All the best.

  78. Mani Karthik


    All the five cashback and rewards cards mentioned in the table above are good candidates, but I would suggest HDFC Bank MoneyBack Card out of them. If you use MakeMyTrip a lot, then American Express MakeMyTrip card is a good option but if you book tickets at multiple sources, then it may not be of any help.

  79. Mani Karthik

    Satinder, New American Express MakeMyTrip Credit Card and Citibank Rewards Card are two good options for you. Check the details in the table above.

  80. Mani Karthik

    Hi Mahadeo, I’m sure they’ll just need your PAN card, Salary documents and the regular ID documents. Let me know if it goes through.

  81. Dr manoj Kumar saini

    Can you judge Icici rubyx card? I got one and i have no idea upon benefits.

  82. Mahadeo

    Hi, currently I m in UAE, and have CITI premier mile credit card, use this very frequently, payment made always on time. Frequent traveler in India and overseas. Planning to return back to India for good, what security I need to provide to have one card from CITI India too.

  83. Mani Karthik

    Amit, I would suggest waiting for some time until your CIBIL score replenishes to apply for another card.

  84. Amit Kumar

    Hi, I have recently got HDFC diners club card just before 1 month ago. Also i got icici platinum card just now. But i applied for citi bank rewards credit card, which was not processed due to less CIBIL score. Is there any other card which is similar to citibank rewards card in terms of benefits. I couldn’t get this card just because of CIBIL score. So please let me know such card which does not require more consideration of CIBIL. As i am holding hdfc card since 1 month.

  85. Mani Karthik


    I would suggest Citi Primer miles. Citibank Platinum, Yatra SBI are also good options for travel.

  86. Shweta Kumawat

    Hi Mani,

    I read your blog describing different types of credit cards. Its really great information. However, my requirement is specifically for travel credit card. I saw Citi primer miles card and HDFC jet privilige cards. Both looked fine to me, yet I am not able to decide which one would be a better card. Can you help?

  87. A.Susdhakar

    what is your opinion about RBL FUN + Credit Card

  88. Satinder Singh

    Hi Mani,

    I watch movies quiet offen which credit card gives me best deals and discounts?

  89. Sahil

    I am planning to get my first credit card, my normal usage will be fuel and utilities bill to a tune of around 6K a month
    For this year I am planning to use a credit card to buy airline tickets worth 60,000?
    What would you recommend?

  90. Mani Karthik

    Hi Ravider,

    I have the list of best cashback credit cards in India here – https://manikarthik.com/blog/shopping-cashback-credit-cards-india/money/
    Do check it out!

  91. Ravinder

    Hi Mani,
    Which is the best credit card for cash back. I know there was a credit card which citi used to provided had 35% cash back means, if you shop for 1 RS then you will get 0.35 paise cashback. It is possible to get that card. Thanks!!

  92. Swati

    I travel often and Need discount on Hotel stays. So which credit card I should go for?

  93. Sachin

    Mani, which is the best cash back credit card in India?
    Also, do you recommend getting Snapdeal’s credit cards?

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