Best Credit Cards in India 2024 (Compare Top Offers)

Are you looking for the best credit card in India for 2024?

Choosing the right credit card can be overwhelming with so many options available.

To help you make an informed decision, I’ve analyzed over 200 credit cards across various banks and compiled a list of the best credit cards for 2024, tailored to different user segments.

Whether you’re looking for cashback, lounge access, complimentary hotel stays, or business/first-class tickets, you can find the perfect card to suit your needs.

My list includes the top credit cards in India, covering categories such as shopping, travel, fuel, rewards, cashback, and cards with premium features.

Plus, I’ll share some insights into the cards I personally use, so you can make the most of your credit card experience.

1. Marriott Bonvoy HDFC Bank Credit Card

Feature Details
Fees - Annual Fee : 3000
- Joining Fee : 3000+Tax (after 45 days)
Rewarding Points Structure - Earn 8 Marriott Bonvoy Points for every ₹150 spent at participating Marriott hotels worldwide.
- Enjoy accelerated rewards on travel, dining, and entertainment, with 4 points for every ₹150 spent.
- Get 2 points for every ₹150 spent on other transactions.
Welcome Offer and Elite Status - Receive a complimentary Free Night Award worth up to 15,000 Points upon card activation and renewal.
- Attain coveted Silver Elite Status, unlocking a range of VIP privileges.
Milestone Rewards - Reach spending thresholds of ₹6 lakh, ₹9 lakh, and ₹15 lakh within your Card anniversary year to earn additional Free Night Awards.
Exclusive Privileges - Access airport lounges 12 times domestically and 12 times internationally annually.
- Enjoy membership in the Golf Program with 2 visits per quarter.
- Benefit from concierge services and comprehensive insurance coverage for peace of mind during your travels.
Eligibility Criteria - Salaried Indian National: Age: Min 21 years & Max 60 Years, Net Monthly Income > Rs 1,00,000
- Self-Employed Indian National: Age: Min 21 years & Max 65 Years, Income: ITR > Rs 15 Lakhs per annum

Check next reply for other credit cards below.

2. Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

Feature Details
Fees - Joining Fee: ₹500
- Annual Renewal Fee: ₹500 (waived off for annual card spends over ₹2 lakhs).
Cashback Rewards - Get 10% cashback on Swiggy spends, up to ₹1500 per month.
- Earn 5% cashback on online spends, including BookMyShow, Amazon, Myntra, and more. Up to ₹1500 cashback per month.
- Enjoy 1% cashback on other spends, up to ₹500 per month.
Welcome Offer - Receive a Free Swiggy One Membership worth ₹1200 or ₹1500 Swiggy Voucher upon card activation.
Additional Benefits - Enjoy a complimentary 3-month Swiggy One membership, offering free deliveries and extra discounts.
- Access premium golf clubs worldwide with 12 free golf lessons per year in India.
- Benefit from free stay and dine privileges at select Mastercard partners globally.
- Avail up to 12% instant discount on worldwide hotels on Agoda.
- Access a wide range of Mastercard World benefits, including discounts at Gloria Jean’s Coffees Maldives and Universal Studios Singapore.
- Enjoy up to 50 days of interest-free period on your Swiggy HDFC Bank Credit Card.
T&Cs - Cashback exclusions apply.
- Monthly cashback limits: ₹1500 on 10% cashback spends, ₹1500 on 5% cashback spends, ₹500 on 1% cashback spends.
Eligibility Criteria - For Salaried Indian National: Age: Min 21 years & Max 60 Years, Net Monthly Income > Rs.15,000.
- For Self-Employed Indian National: Age: Min 21 years & Max 65 Years, ITR > Rs 6 Lakhs per annum.

3. IndusInd EazyDiner Platinum Credit Card

Feature Details
Fees Lifetime Free. Zero Joining Fees & Zero Annual Fees.
Rewards Program - Earn 2 Reward Points for every INR 100 spent. Receive 500 welcome bonus EazyPoints. Extra 2000 Reward Points on spending INR 30,000 (excluding dining spends) every 90 days.
Joining Bonus - Avail 3 months EazyDiner Prime membership worth ₹1095.
- Get instant redemption of Reward Points against restaurant bills.
Prime Membership Benefits - Guaranteed 25% up to 50% OFF at over 2000+ premium restaurants & bars.
- Enjoy Prime-exclusive benefits like 2X EazyPoints and redeem them for FREE luxury hotel stays & meals.
- 3-month Prime membership renewal upon spends of INR 30,000 in 90 days.
Additional Perks - Instant 20% OFF up to INR 500 on bookings and payments via the EazyDiner app.
- 1% fuel surcharge waiver across all fuel stations in India.
Eligibility - Good credit score and stable income required.
- Specific criteria provided during application.

4. HSBC Premier Credit Card

Feature Details
Fees - Annual Fee: ₹999
- Joining Fee: ₹999
Rewards - Spend: ₹1.5% unlimited cashback
Offer Details - 10% accelerated cashback on all dining, food delivery, and grocery spends (capped up to INR1,000 per billing cycle)
- 1.5% unlimited cashback on all other spends (exclusions apply)
- 4 complimentary domestic lounge visits per year (1 per quarter)
- Annual membership fees of ₹999 will be reversed if your total annual spend exceeds ₹2,00,000
- Buy-one-get-one-free movie tickets on Saturdays (Up to ₹250) on BookMyShow
- Cashback credited to your credit card within 45 days of the card statement date
Eligibility - Age: Between 18 to 65 years
- Annual income: At least INR 400,000 per annum (for salaried individuals)
- Indian residency required
- Reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune
FAQs - Is HSBC cashback card good? Yes, for unlimited cashback.
- Can you get cashback with HSBC? Yes, via HSBC Cashback credit card.
- What is HSBC cashback offer? It gives 1% cashback, 1.5% cashback on online spends, and 10% accelerated cashback.
- Does HSBC cashback credit card have lounge access? Yes, 2 Airport Lounge Access for domestic and international lounges or 2 meal vouchers worth ₹400 at restaurants at the airport

5. HDFC Regalia Gold Credit Card

Feature Details
Fees - Annual Fee: ₹2500
- Joining Fee: ₹2500
Rewards - Earn 4 Reward Points for every ₹150 spent
- Joining Bonus: 1 Point = ₹0.2 to ₹0.65, ₹2500 Gift Voucher
Welcome Offer - Complimentary Club Vistara Silver Tier and MMT Black Elite membership
- ₹ 1,500 worth vouchers on quarterly spends of ₹1.5 lakh
- ₹ 5,000 worth flight vouchers on annual spends of ₹5 lakh and an additional voucher of ₹5000 on spends of ₹7.5 lakhs
Exclusive Privileges - 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital
- Complimentary lounge access at over 1000 airports
- Zero Lost card liability
- 2% Foreign Currency Markup
- Exclusive 24/7 Concierge Services
- 12 complimentary access within India (both at domestic and international terminals)
- Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
- Up to 7.5% savings on all your restaurant bill payments via Swiggy Dineout (20k+ restaurants)
- Get ₹ 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend ₹1.5 Lakhs in every calendar quarter
- Get ₹ 5,000 worth flight vouchers when you spend ₹5 Lakhs spends in an anniversary year
- Get additional ₹ 5,000 worth flight vouchers when you spend ₹7.5 Lakhs spends in an anniversary year
- Spend ₹4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year
Insurance Benefits - Accidental air death cover worth ₹1 Crore
- Emergency overseas hospitalization: up to ₹15 lakhs
- Credit Liability cover: Up to ₹9 Lakhs
Eligibility Criteria - For Salaried Indian National: Age: Min 21 years & Max 60 Years, Net Monthly Income > ₹1,00,000
- For Self Employed Indian National: Age: Min 21 years & Max 65 Years, Income: ITR > ₹12 Lakhs per annum

6. ICICI Coral RuPay Credit Card

Feature Details
Annual and Joining Fees - Annual Fee: ₹500
- Joining Fee: ₹500
Rewards Structure - Earn 2 Points for every ₹100 spent (except fuel).
- Joining Bonus: 1 Point = ₹0.25
Offer Details - Enjoy 1 Reward Point for every ₹100 spent on utilities and insurance payments.
- Receive 1 complimentary airport lounge access per quarter.
- Access 1 complimentary domestic railways lounge.
- Avail a 25% discount of up to ₹100 on BookMyShow and INOX.
- Receive a personal accident insurance cover worth ₹2 Lakh.
- Benefit from 24x7 concierge services.
- Earn 2000 reward points for spending ₹2 Lakh or more annually.
- Get 1000 reward points for every ₹1 Lakh spent after reaching the 2000 reward points threshold. (Max Cap: 10,000 reward points per year)
- Spend ₹1,50,000 or more to avail of an annual fee waiver.
Eligibility Criteria - Minimum Age: 23 Years
- Minimum Income: ₹5 Lakh
APR 40.80%

7. TATA Neu Infinity HDFC Bank RuPay Credit Card

Feature Details
Fees Annual Fee: ₹1500
Joining Fee: ₹0
Rewards Spending: 5% Cashback as NeuCoins on TATA brands
Joining Bonus: 1 NeuCoin = ₹1, 1500 NeuCoins on 1st transaction within 30 days
Offer Details The TATA Neu Infinity HDFC Bank Credit Card is a better version of the TATA Neu Plus HDFC Bank Credit Card. Launched as a co-branded credit card, the TATA Neu Infinity card also works on the RuPay payment network and offers greater rewards than the Infinity Plus Credit Card, at a higher cost too. With more complimentary Airport Lounge Visits, this credit card is surely better for anyone looking for a good travel credit card too.
- 1.5% NeuCoins as cashback on all spends
- Additional 5% NeuCoins cashback for TATA NeuPass holders
- Get 8 Complimentary Domestic Airport Lounge Access per year
- 1% fuel surcharge waiver
- Get an annual fee waiver by spending ₹3,00,000 or more within a year
Eligibility Criteria Minimum Age for Salaried Employees: 21 Years
Maximum Age for Salaried Employees: 60 Years
Monthly Income for Salaried Employees: More than ₹1,00,000
Minimum Age for Self-Employed Applicants: 21 Years
Maximum Age for Self-Employed Applicants: 65 Years
ITR Annually for Self-Employed Applicants: ₹12,00,000