15 Best Credit Cards In India For Daily Use

In the era of digitalization, credit cards are a necessary part of our life.

You can find almost 100+ Credit Cards in India in different card categories like Fuel, Shopping, Dining, Travel, Airline, Cashback, Cash Advance, etc.

If you are also looking for the best credit cards in India for daily use then you are in the right place.

I have collected the 15 best credit cards in India for medium-salary holders.

If your monthly Salary is more than 50k and looking for a premium credit card, you can choose from the top 5 premium credit cards in India.

15 Best Credit Cards In India For Daily Users

• HDFC MoneyBack Credit Card
• SBI Simply Save Credit Card
• ICICI HPCL Coral Credit Card
• SBI Simply Click Credit Card
• ICICI Platinum Chip Credit Card
• HDFC Solitaire Credit Card
• SCB Platinum Rewards Credit Card
• CITI Bank Rewards Credit Card
• CITI Bank Cash Back Credit Card
• ICICI Coral Visa Credit Card
• RBL Titanium Delight Credit Card
• SCB Super Value Titanium Credit Card
• IndusInd Bank Platinum Aura Credit Card
• Amex Payback Credit Card

 

Read: Best Airline Credit Cards In India

HDFC MoneyBack Credit Card

HDFC Money Back is an entry-level credit card. the card comes with multiple features & benefits.

you can use the Money Back credit card for your all-day shopping and purchase either online or direct via shops.

With a Moneyback credit card, you can redeem your rewards points for the cash amount.

And each reward point is equal to 0.20Rs. And can save up to Rs. 1,800 every year on your fuel transactions.

If you are trying to get your first credit card then HDFC money back will be the best option.

Card Features

You will earn 2 Reward Points (RP) on Rs 150 spent. And will get 2 X Reward Points on online spending.

Zero Lost Card liability post reporting of the loss of the card

You can save your money with a 1% fuel surcharge waiver, capped at Rs. 250 every billing cycle.

Avail EMI Facility and convert your purchase into EMI.

In HDFC money-back credit card interest-free period will be for up to 50 days.

With these benefits, the customer can also avail of a Balance Transfer, Cash Advance Facility, or Card Loan Facility.

HDFC Money Back Eligibility & Annual fee:

Age: 18 Years To 60 Years (As Per Pan Card)

Salary: 25K ( Required only 22k if you have a salary account or savings account with HDFC)

Fee: Free As a Bank offer

( Annual Fee 500/- INR.  Get the first-year fee reversed if you spend Rs. 10,000 in the first 90 days* of the card set-up date and the renewal fee reversed if you spend Rs. 50,000 in a year prior to the renewal date) *Offers Applicable

Read- HDFC MoneyBack Credit Card Review.

SBI Simply Save Credit Card

SBI Simply Save credit card is the best option for those who are looking for a multi-purpose credit card with Public sector banks.

Simply Save Card gives you almost every benefit and feature you are looking for.

Features & Benefits:

Annual Fee (one time): Rs. 499/-

Renewal Fee (per annum): Rs. 499 from the second year onwards.

Read- SBI Simply Save Credit Card Review.

ICICI HPCL Coral Credit Card

The ICICI Bank HPCL Coral Credit card is specially featured for those who want to reduce their fuel bills.

The ICICI Bank HPCL Coral Credit Card helps you keep fuel costs under check with powerful cashback and fuel surcharge waiver programs.

Features & Benefits:

Earn 2 PAYBACK Points on every Rs 100/ spent on retail purchases except fuel.

You can Redeem 2000 PAYBACK Points for fuel worth Rs 500/.

Get 1% cashback and 1% surcharge waiver on fuel purchases at HPCL pumps.

Enjoy Rs 100 discount on up to 2 movie tickets per month at bookmyshow.com

Avail a minimum of 15% savings on dining at over 800 restaurants across the country.

Card Joining fee: 199/- (Waiver if you spend 5000/- in first 60 days)

Annual fee from 2nd-year on-wards: 199/-

Read- ICICI Bank Credit Cards Features And Benefits.

SBI Simply Click Credit Card

Like the SBI Simply Save credit card Simply Click is also a multipurpose credit card. You can use the card for your all daily purchases.

Features :

Get a welcome e-gift voucher worth Rs -500 from Amazon.

Earn 10X Reward Points on online spending with exclusive partners including Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / and Zoom car.

You can earn 5X rewards on all other online spends

Get an e-voucher worth Rs. 2,000 on annual online spends of Rs. 1 Lakh.

You can avail of the benefit of a 1% fuel surcharge waiver for each transaction between Rs. 500 & Rs.3000.

Spend Rs. 1,00,000 and get the annual fee of Rs.499 reversed for your SBI Simply Click Credit Card in the subsequent year.

You will get Rs.100 instant cashback on the first movie ticket booked on BookMyShow Mobile App.

Avail Rs.700 instant cashback on domestic roundtrip flights worth Rs -5,000 if you booked using Cleartrip Mobile App.

Annually Fee: 499/-

ICICI Platinum Chip Credit Card

The ICICI Bank Platinum Chip Credit Card is the best entry-level and free credit card in India.

The card is easy to use and manage with multiple features & benefits.

Features & Benefits:

Security of a chip card to protect you against the risk of fraud.

Earn Rewards points for each Rs 100/-. And all your PAYBACK points are redeemable for exciting gifts and vouchers.

Get a 1% Fuel surcharge waiver on HPCL fuel outlets.

Minimum 15% savings on dining at over 800 restaurants courtesy of our Culinary Treats program

Fee: Free

Read- ICICI Platinum Chip Credit Card Review. Or  Apply For ICICI Platinum Chip Card (Free)

HDFC Solitaire Credit Card ( Women’s Credit Card)

One of the largest private sector banks in India HDFC bank has offered an exclusive premium Credit Card for women.

The Solitaire card comes with added advantages for women.

Features & Benefits:

Get Rs. 1,000 Shoppers Stop vouchers on Rs. 75,000 spends every 6 months.

You can redeem Reward Points as CashBack against outstanding amounts on your Credit Card (100 Reward Points = Rs. 20).

Earn 3 Reward Points on Rs. 150 spent.

You can earn 50% more Reward Points for dining and grocery spending.

Get a 1% fuel surcharge waiver on all fuel outlets. (Save Rs. 250 in every billing cycle).

Enjoy shopping with Shoppers Stop vouchers of a total worth Rs. 2,000 every year.

Earn a Cash Back of more than Rs. 4,000 on RP accumulated by spending Rs. 5 lakh on your card.

Earn 2,880 Reward Points or more in a year on dining and grocery shopping itself.

Save Rs. 1,500 in a year on your fuel transactions.

Zero Lost Card liability post reporting card loss to the bank.

Fee 500/

Required Income – 15K+ MTH

Age 18 Years To 60 years

SCB Platinum Rewards Credit Card

Another reward credit card with shopping benefits.

Standard Chartered’s Platinum Rewards Credit Card offers one of the best rewards programs in India and is perfect for the financially smart spender.

Features & Benefits:

You can earn 5 reward points for every Rs.150 spent at fine-dining outlets

Earn 5 reward points for every Rs.150 spent on fuel.

Get 1 reward point for every Rs 150 spent on all other categories either online or offline.

Earn 5 reward points for every Rs.150 spent at hotels & restaurants.

Fee: The card has an annual fee of 250/- INR only and that fee can be waived if you spend 30k within 12 months from your card.

Read- SBI Platinum Credit Card Review. (Apply for SCB credit cards)

ICICI Bank HPCL Coral American Express Credit Card

Recently ICICI Bank has launched the HPCL credit card with AMEX gateway.

As it was already available with MasterCard & Visa Payment gateways.

So now you can enjoy some added advantages from AMEX.

Features & Benefits:

You will earn 2 PAYBACK Points on every RS -100/- spent on retail purchases except fuel.

Get 1% cashback and 1% fuel surcharge waiver on fuel purchases at HPCL Fuel Outlets(Pumps).

Enjoy a 100 discount on up to 2 movie tickets per month at Bookmyshow.com

Avail a minimum 15% savings on dining at over 800 restaurants across the country.

Joining Fee – Rs 199 + service tax

Annual Fee (Second year onwards) – Rs 199 + service tax

Required Income: 25K NTH Per Month

CITI Bank Rewards Credit Card ( Now Axis Rewards)

One of my favourite shopping credit cards in India.

CITI Bank Rewards Credit Card is the best choice for shopping and all of your daily purchases.

Features & Benefits:

You can earn 10x reward points on spending at apparel and department stores.

Earn unlimited 10x reward points at select partners of CITI Bank.

Enjoy 1 reward point for every Rs-125 on all other purchases.

Get 1,500 bonus points on your first spend made within 30 days of card issue.

And 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue.

You will also get 300 bonus points on card spending of INR 30,000 or more in a calendar month.

Avail of up to 20% discounts on 2000+ selected restaurants with a CITI Bank Rewards Card.

Fee: An annual fee of Rs 1000 is waived on making spends of Rs 30,000 in a membership year.

Required Income: 25K  NTH

CITI Bank Cash Back Credit Card ( Discontinued)

If you are looking for a card that can offer you some cashback on your every spending then Citi Bank Cash Back Credit Card is the best option.

As mentioned in the card name card is full of cashback advantages.

Features & Benefits:

Get 5% Cash Back on movie ticket purchases. Never miss your favourite movies.

Avail of 5% Cash Back on all your telephone bill payments. Start small savings with credit cards.

Get 5% Cash Back on all your utility bill payments made online through Citibank Online Bill Pay.

Extra 5% Cash Back on all other spending. (Shop with cashback)

Avail Up to 20% savings across 2000 restaurants with Citibank Cash Back Credit Card.

Card fee Rs.500. (Annual Fee is billed in the 1st-month statement of card issuance)

Required Income: 25K (NTH)

ICICI Coral Visa Credit Card

ICICI Coral Visa Credit Card is one of the best Credit Cards under 30K monthly salary customers.

Coral Visa is an International credit card with exciting features & advantages.

With this card, you can get unlimited cash rewards, free movie tickets, discounts on dining, and many more benefits.

Features & Benefits:

With the ICICI Bank Coral Credit Card, you get a complimentary tie worth Rs 999/- from Provogue.

You will earn 4 Cash reward points on dining, groceries, and at supermarkets.

Get a Complimentary Provogue tie on joining as the welcome gift.

Avail of 2 complimentary domestic airport lounge visits per quarter.

Enjoy 2 complimentary movies every month under the Buy One Get One offer through the www.Bookmyshow.com website.

You can avail of a minimum 15% discount on dining bills at over 800 restaurants across the country.

Fee: 1st Year Fee Will Be Rs 1000/- + Service Tax ( Get a Complimentary welcome gift worth Rs 999/-)

Annual Fee: Rs 500/- + service tax from 2nd year onwards (Waived off if you spend more than Rs 1,25,000 in the previous year.)

RBL Titanium Delight Credit Card

Ratnakar Bank Limited aka RBL Bank Titanium Delight Credit Card is also a multi-purpose credit card.

The card completely fits your daily purchase needs.

Titanium Delight Card is the perfect card to use for dining, movies, travel & shopping.

Features & Benefits:

You can earn 2K bonus reward points if you swipe your card within 60 days of card issuance.

Spend  10,000 in 60 days and get another 1,000 reward points.

Use your card for purchases of  1.2 Lakhs or more in a year and get an e-voucher of  1,000/-.

Get 1 free movie ticket on Bookmyshow with Buy One Get One Offer on Wednesday, once a month.

Avail 10% value back every Wednesday if you order pizza online from Domino or Pizza Hut, And 5% value back if you buy Groceries at Big Bazaar Stores.

Enjoy a 0% fuel surcharge at any petrol pump in India.

Fee: 750/- Annually (Get your Year-2 fees waived off on spends of Rs. 1 Lakhs or more in the previous year.)

Required Net Income – 25K per month

SCB Super Value Titanium Credit Card

Standard Chartered Bank Super Value Titanium Credit Card is another Cash Back Card in India.

With the SCB Super Value card you can save 5% on almost every major spending you make daily.

Features & Benefits:

Get 5% cashback on fuel at all petrol pumps in India. You will receive a 1% surcharge reversal and 1% cashback on the transaction amount at BPCL, IOC, HPCL, or Reliance petrol pumps.

Avail 5% cashback on all telecom payments including phone bills across all service providers.

Get 5% cash back on all your utility bill payments. (allowing you to save more on electricity, gas, and water)

The minimum transaction amount for cashback eligibility is INR 750 and the maximum cashback per month is INR 500/-.

You will earn 1 reward point for each Rs.100 spend on all categories except fuel, telecom & utilities.

Joining Fee: Rs 499/- Waiver if you spend 30k in 1st 60 days of card issuance

Annual Fee: Rs 750/ Waiver if you spend 60k in 12 months of card issuance.

If Your Monthly Salary Is More Than 50K Then You Can Apply for Instant Approval Here.

IndusInd Bank Platinum Aura Credit Card

IndusInd bank platinum aura is one of the best cards in the basic cards segment.

You can avail many premium benefits with this card.

Features & Benefits:

You can enjoy up to 30% discount on dining and up to 15% discount on various hotels and restaurants in India.

Platinum Aura also gives you Airport lounge benefits of more than 8 visits to international Airport lounges.

With platinum aura, you can take benefit of concierge services and asset insurance worth RS 2.25Lac INR while travelling.

You can save a 2.50% surcharge amount during fuel purchase all over the fuel outlets.

Get up to 4 saving points for each 100/ INR spent ( Each Saving point value is 0.50 INR)

Movie Ticket offers on Book My Show & Satyam Cinemas.

Annual Fee: Rs 899/-

Required Income: 30K Gross Take Home

Amex Payback Credit Card

If you are more interested in an international brand then can apply for an American Express PayBack credit card.

This is one of the best credit cards in India from AMEX. With the AMEX PayBack Card, you can avail of almost every benefit like other Bank Credit Cards.

Features & Benefits:

You can earn multiple points from more than 40 PAYBACK partners and 3 PAYBACK Points from American Express PAYBACK Credit Card for every 100 spent.

Get 900 bonus PAYBACK points on spending Rs 15,000 within 60 days of Card issuance.

You will get welcome vouchers worth Rs 3,000.

Enjoy up to 20% discounts on dining in selected restaurants in India, up to 30% discounts and an additional 5% cash back at over 1200 restaurants every time you dine through Dineout.

Avail discounts & benefits on travel and online shopping with an Amex PayBack card

Card Fee 750/- (1st Year ) & 1500

Annual: Rs 1500/- From the 2nd year onwards.

Required Income: 35K Monthly Gross