10 Best Credit Cards in India 2022
To begin your comparison, here is a list of the best credit cards in India along with their annual fee and best features.
1. Axis Bank Ace Credit Card
Joining Fee: Rs. 499
Annual Fee: Rs. 499
Axis Bank Ace Credit Card is a good option for beginners looking for a high cashback rate at a nominal annual fee. The card offers up to 5% cashback on bill payments and online food delivery along with other benefits such as airport lounge access and dining discounts. The best feature about this card is that there is no upper limit on earning cashback.
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2. Flipkart Axis Bank Credit Card
Joining Fee: Rs. 500
Annual Fee: Rs. 500
Flipkart Axis Bank Credit Card is another entry-level credit card, with a good cashback rate on online shopping. The card offers benefits across top brands such as Flipkart, Myntra, and other preferred partners (Uber, PVR, Tata SKY, Swiggy, etc). Despite being a co-branded card, the card functions more as a cashback credit card.
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3. Cashback SBI Card
Joining Fee: Nil
Annual Fee: Rs. 999
Cashback SBI Card is a comparatively new entrant in the cashback credit cards segment but it has quickly gained popularity among online shoppers. The card gives 5% cashback on online transactions without any merchant restrictions. Where most shopping credit cards limit the benefits to one or more merchants or spend categories, a card like this is a truly a must-have.
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4. Amazon Pay ICICI Credit Card
Joining Fee: Nil
Annual Fee: Nil
If you are an Amazon loyalist, then Amazon Pay ICICI Credit Card is the best cashback credit card for you, since you can earn up to 5% cashback on Amazon spends. The best part about this card is that it is a zero annual fee credit card with a good cashback rate. Also, since Amazon is a leading e-commerce platform for all shopping needs, this card is highly recommended for everyday purchases.
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5. HDFC Millennia Credit Card
Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000
HDFC Bank Millennia Credit Card is a good option for you if you are specifically looking for an HDFC credit card with a high cashback rate. The card offers good value-back on online shopping across top merchants as well as on other general spends. If you frequently use your credit card to shop online then this card is a good option as you avail annual fee waiver on spending more than a lakh in a year.
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