Best Credit Cards in India

SBI Cashback Credit Card

• Annual Fee: 999 p.a.
• Benefits: 5% cashback on all online purchases, excluding utility bills
• Users recommend this card for its straightforward cashback benefits.
• Users have found this card to be beneficial for online purchases, especially if not focused on utility bills.

HDFC Millenia Credit Card

• Annual Fee: 1000 p.a. (can be lifetime free during offer periods)
• Benefits: 5% cashback on popular brands like Amazon, Flipkart, Swiggy, Uber, etc.
• This card is praised for its cashback benefits on popular online platforms.

Axis Ace/Airtel Axis Credit Card

• Annual Fee: 500 p.a.
• Recommended for discounts on utility bills, Airtel recharges, and selected online purchases.
• Great for those looking for discounts on specific categories like bills and recharges.

Axis MyZone/Neo Credit Card

• Offers discounts on specific platforms like Swiggy, Zomato, BookMyShow, etc.
• Ideal for those looking for lifestyle-specific discounts on various platforms.

Amazon Pay ICICI Credit Card

• Highly recommended for Amazon shopping with unlimited 5% cashback.
• Users have earned significant cashback with this card for their Amazon purchases.

Pros and Cons Across Cards

• Pros: Cashback rewards, discounts on specific platforms, lifetime free options, and a variety of benefits on online purchases.
• Cons: Capped rewards, limited acceptance at merchant locations, and the need to carefully manage transactions for optimal rewards.

Additional Advice

• Building credit history with an FD-based card before applying for premium cards.
• Considering the type of rewards and benefits desired to select the most suitable card.
• Exploring other community-recommended cards like HDFC Diners Club Black for specific benefits.

General Tips

• Paying attention to terms and conditions, especially for reward categories.
• Utilizing card benefits strategically to maximize rewards.
• Considering personal spending habits and lifestyle needs when selecting a credit card.