Credit cards are a popular financial tool in India, offering a range of benefits such as rewards and cash back. With so many options available, choosing the right credit card can be challenging. To make the decision easier, we have compiled a list of the 10 best credit cards for rewards and cash back in India.
#1 HDFC Bank Regalia First:
This credit card offers a wide range of benefits and rewards, including cash back on dining, travel, and fuel purchases. Cardholders can enjoy up to 5% cash back on dining and fuel purchases and up to 2.5% cash back on all other purchases. Additionally, this card offers lounge access and golf privileges, making it perfect for travelers and golf enthusiasts.
#2 SBI Card ELITE:
This credit card is designed for those who want a more premium experience. It offers exclusive benefits and rewards, including discounts on dining, travel, and shopping. Cardholders can enjoy up to 15% discount on dining and 10% discount on travel bookings. In addition to these benefits, this card also provides lounge access and golf privileges.
#3 Citibank PremierMiles:
This credit card is perfect for travelers, offering a miles earning rate of 1.2 miles per Rs. 100 spent. With this card, you can earn miles for your travel and redeem them for free flights, hotel stays, and more. The card also offers discounts on dining and shopping, making it a great option for everyday spending as well.
#4 ICICI Bank Rubyx:
This credit card offers a range of benefits, including cash back on dining and fuel purchases, as well as discounts on shopping and travel. Cardholders can enjoy up to 4% cash back on dining and fuel purchases and up to 1.5% cash back on all other purchases. In addition to these benefits, this card also provides lounge access and golf privileges.
#5 Axis Bank Miles & More World:
This credit card is perfect for travel enthusiasts, offering a miles earning rate of 1 mile per Rs. 200 spent. With this card, you can earn miles for your travel and redeem them for free flights, hotel stays, and more. The card also offers discounts on dining and shopping, making it a great option for everyday spending as well.
#6 Standard Chartered Ultimate:
This credit card offers a range of benefits, including cash back on dining, fuel, and shopping purchases. Cardholders can enjoy up to 5% cash back on dining and fuel purchases and up to 2% cash back on all other purchases. Additionally, this card provides lounge access and golf privileges, making it perfect for travelers and golf enthusiasts.
#7 American Express Gold Card:
This credit card offers a range of rewards, including cash back on dining and travel purchases, as well as discounts on shopping and entertainment. Cardholders can enjoy up to 5% cash back on dining and travel purchases and up to 1.5% cash back on all other purchases. In addition to these benefits, this card also provides lounge access and golf privileges.
#8 HDFC Bank Diners Club Black:
This credit card offers a range of benefits, including cash back on dining and fuel purchases, as well as discounts on shopping and travel. Cardholders can enjoy up to 5% cash back on dining and fuel purchases and up to 1.5% cash back on all other purchases. In addition to these benefits, this card also provides lounge access and golf privileges.
#9 Kotak Mahindra Bank Royale Signature:
This credit card offers a range of benefits, including cash back on dining and fuel purchases, as well as discounts on shopping and travel. Cardholders can enjoy up to 4% cash back on dining and fuel purchases and up to 1.5% cash back on all other purchases. Additionally, this card provides lounge access, golf privileges, and a concierge service to assist with travel bookings and other needs.
#10 Bajaj Finserv RBL Bank SuperCard:
This credit card offers a unique and flexible rewards program, allowing cardholders to choose their own rewards and redeem them for cashback, discounts, or free flights and hotel stays. With this card, you can earn up to 4% cash back on dining, fuel, and utility purchases, as well as up to 1.5% cash back on all other purchases.
Conclusion:
In conclusion, these 10 credit cards are some of the best options for rewards and cashback in India. When choosing a credit card, it is important to consider your spending habits and choose a card that offers rewards for the categories in which you spend the most. Be sure to compare the different cards and their benefits, so you can choose the best card for your needs.