Credit cards are becoming a necessity in every individual’s wallet today. With a variety of different categories available in the market, it can be hard for someone to select the best credit card that fits their needs.
In this article, we’ll be discussing the top 3 credit cards in India that you need to know about. These credit cards have been chosen on the basis of their reward points, travel benefits, and features that are essential for daily spends.
Understanding the Top 3 Credit Cards in India
As per the card rating and benefits, we’ve chosen the top 3 credit cards in India: the Amazon Pay ICICI Bank Credit Card, Club Vistara SBI Card PRIME, and SBI SimplyCLICK Credit Card. These credit cards are perfect for different purposes and offer various benefits and rewards.
Best Credit Card for Students
If you’re a student looking for the best credit card in India, you might want to consider cards that are suitable according to your lifestyle. Below we’ve mentioned the 3 best credit cards in India, which offer great rewards, travel, dining, and other benefits.
Amazon Pay ICICI Bank Credit Card
- The Amazon Pay ICICI Bank Credit Card is an ideal choice for students.
- The card offers cashback on various purchases, including a 15% discount on dining, 100% cashback up to Rs. 200 on shopping with Amazon, and a 1% discount on fuel.
- It also provides a 5% cashback on Amazon purchases for prime members, 3% cashback for non-prime members, 2% cashback on partner brands, and 1% cashback on all other payments.
- This credit card comes with no joining and renewal fees, which makes this card perfect for students who are looking for a good credit card to start without paying extra fees.
Best Travel Credit Card
The best travel credit cards typically offer robust rewards programs tailored to frequent travelers. Look for cards that earn points or miles on every purchase, with bonus categories for travel-related spending.
Club Vistara SBI Card PRIME
- The Club Vistara SBI Card PRIME is the best travel credit card in India.
- With this credit card, you can earn Club Vistara Points on every purchase you make.
- It also offers complimentary 8 domestic and 4 international lounge access (with priority pass membership) per year at select airports and a free Premium Economy class ticket as a gift voucher on paying joining or renewal fee.
- This comes with a joining fee of Rs. 2,999 + GST and an annual fee of Rs. 2,999 + GST.
- The card is perfect for regular travelers who want to earn discounts and rewards while traveling.
Best Online Purchases and Shopping Credit Card
Look for credit cards that offer bonus rewards or cash back specifically for online purchases. Some cards may have elevated reward rates for spending on popular online retailers. A top-notch shopping credit card should come with robust purchase protection benefits. This may include coverage against damage or theft for a certain period after making a purchase.
SBI SimplyCLICK Credit Card
- The SBI SimplyCLICK Credit Card comes among the top 3 credit cards in India for online purchases and shopping.
- With this card, you will get 10X rewards on partner brands, 5X rewards on online purchases, and 1 RP for every Rs. 100 on other purchases.
- It also provides accelerated rewards on purchases made at select online merchants.
- The card comes with benefits such as a free Amazon gift card voucher worth Rs. 500, Clear trip vouchers, and discounts on fuel transactions.
- This card comes with a joining fee and a renewal fee of Rs. 499 + GST, but you can get a renewal fee waived on spending Rs. 1 lakh in a year, making it perfect for individuals who love to shop online.
Also Read:- How to Manage Multiple Credit Card Accounts?
Conclusion
The top 3 credit cards in India that you need to know about are the Amazon Pay ICICI Bank Credit Card, Club Vistara SBI Card PRIME, and SBI SimplyCLICK Credit Card. These credit cards offer various benefits and rewards that are perfect for different purposes. Whether you’re a student, a regular traveler, or an online shopper, there’s a credit card for you.
Choose the one that suits your needs and start earning rewards today. Remember, before applying for any credit card, it’s essential to read the terms and conditions carefully and understand the interest fees and charges associated with it.
