Home Finance Which Banks Provide the Best Credit Cards in India?

Which Banks Provide the Best Credit Cards in India?

best credit cards

There are many banks in India that issue credit cards having exclusive offers. If you are eligible for those cards then you can apply for them easily. But the problem arises when you have hundreds of credit cards and you have to apply for only one card. Therefore, in this article, you can see the best credit cards of some top banks in India. These credit cards have reward point offers, cashback offers, and many other offers. You must explore the features and benefits of every credit card before you apply for them. The features of these cards will bring you savings and you use them to cut off your monthly expenses. You must have a look at the name of the banks and the best credit card offered by them.

Top Banks in India issuing Credit Cards

Here are the top three banks whose credit cards you can apply for. You can see the name of the best credit card offered by them.

State Bank of India

The best credit card offered by the State Bank of India is SBI Simply Click Credit Card. You can check the features of this card below.

  • Get 10X reward points on the websites partnered with ICICI like Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, and Netmeds.
  • Earn 5X reward points on all the online expenditures.
  • There is an Amazon Gift Card worth ₹500 you will get at the time of joining.
  • Get E-vouchers worth ₹2,000 on spending ₹ 1 Lakh and 2 Lakh respectively on online transactions.
  • Get a1% fuel surcharge waiver for transactions between ₹500 to ₹3,000 at the refilling stations.
  • Spend ₹1,00,000 the annual fee of ₹499 will be reversed in the subsequent year
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The best credit card offered by the HDFC Bank is HDFC Moneyback Credit Card and you can go through the offers below:-

  • Enjoy 2 Reward Points for every purchase you made worth ₹ 150.
  • Accumulated Reward Points and you can redeem them as Cash Back against the outstanding amount of your Credit Card Bill.
  • Every 100 Reward Points value is equal to ₹ 20.
  • The individual can also redeem Reward Points against exciting gifts, air miles, and attractive offers from an all-exclusive gifts catalog of HDFC.
  • Enjoy 4 Reward Points on spending online by making payments through your HDFC Card per ₹150.
  • Reach the spending milestone of INR 50000 in a quarter and receive a gift voucher worth ₹ 500.
  • You can enjoy gift vouchers of up to ₹ 2000 in a year.
  • If you spend ₹ 50,000 in a year then your renewal fee will be waived off.


The best credit card offered by the ICICI Bank is Amazon Pay ICICI Credit Card and it is majorly used for shopping.

  • If you are an Amazon Prime customer then you will get 5% back on spending made on Amazon.
  • If you are a Non-prime customer then you will get 3% back on the spending made on Amazon.
  • Enjoy 2% back on more than 100 Amazon Pay partner merchants when you use the card on Amazon Pay.
  • Get 1% back on other purchases and the earnings and it will be in the form of Amazon Pay Balance.
  • Get a minimum of 15% off while dining at more than 2,500 restaurants across India through the Culinary Treats Program.
  • Enjoy a 1% surcharge waiver on fuel transactions made from this credit card.
  • This credit card has a microchip that will give you security against any fraud or theft.
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If you are having an account with the State Bank of India then you can apply for the SBI Credit Card. On the other hand, the HDFC Credit Card and the ICICI Credit Card will also bring you savings. You can explore the features and benefits of all the cards and then choose one card that suits your needs. Every credit card is unique in its own way and you can choose any card depending upon your expenditure.

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