Top 10 credit cards in india easy to get

Top 10 credit  cards in india easy to get

10 Best Credit Cards In India

When it comes to credit cards, every person has a different cause and to complete that, you need to select a card that suits you the most. There are credit cards best to pay your bills, others for a nice deal on a shopping website. With the right option , you can save money on your transactions.

To help you find the best card for your condition, we have put jointly a list of various of the top credit cards in India.

List of 10 Best Credit Cards in India for 2022

1-Axis Bank ACE Credit Card

Axis Bank Ace Credit Card is the great credit card in India for cashback as it comes with the highest general cashback rate of 2%. If you are not sure about the variety where you expend the most, a cashback credit card would be the right option for you. Here are the top details of Axis Ace Credit Card.

Joining Fee: Rs. 499 (Reversed on spending Rs. 10,000 in the first 45 days)
Renewal Fee: Rs. 499 (Reversed on spending Rs. 2 Lakh or more in the previous year)
Minimum Income: Communicated at the time of sourcing

1. 5% cashback on bill payments and mobile recharges through Google Pay
2. 4% cashback on Swiggy, Zomato and Ola
3. 2% cashback on all other spends
4. No maximum limit on the cashback earned
5. 4 complimentary lounge visits every calendar year
6. 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 4,000; maximum waiver of Rs. 500 in a month

2- SBI Card PRIME

May be one of the great premium credit cards, SBI Card Elite is a perfect associate to your elite lifestyle as it comes with complete shopping vouchers from some premier brands as welcome gift along with movie tickets profit, advance reward points, approving lounge visits, club Vistara membership and more. Some profits of this top credit card for 2022 are as follows:

Annual Fee: Rs. 4,999 + GST
Renewal Fee: Rs. 4,999 + GST
Minimum Income Required: Rs. 60,000 per month

1. Welcome e-gift voucher worth Rs. 5,000 from Yatra, Bata/Hush Puppies, Pantaloons, Shoppers Stop and Marks & Spencer
2. Free movie tickets worth Rs. 6,000 in a year in the form of Rs. 250 voucher per month
3. 10,000 bonus reward points on reaching annual expends of Rs. 3 Lakh and 4 Lakh
4. 2 Reward Points per Rs. 100 exprnd on all categories exclude fuel
5. 5X reward points when using the credit card for grocery, dining and departmental store buy
6. Entry to over 1,000 airport lounges across the globe with a complimentary Priority Pass Membership
7. 6 complimentary international airport lounge visits in a year and 2 complimentary domestic lounge visits
8. Complimentary Club Vistara Membership

3- HDFC Regalia Credit Card

If you are looking for a credit card that provide something for every variety, HDFC Regalia must be your first option. Providing wide-range of profit on dining, travel and shopping, this is possibly the best HDFC credit card, mostly if you are looking for all-round profit. Let us discover out more about HDFC Regalia credit card:

Joining Fee: Rs. 2,500 + GST
Renewal Fee: Rs.  2,500 + GST (waived-off on spending Rs. 3 Lakh in the earlier calendar year)
Minimum Income Required: Rs. 70,000 per month

1. Dineout Passport Membership on expending Rs. 75,000 every calendar aera 
2. 12 complimentary domestic airport lounge entry every calendar year
3. Up to 12 international lounge entry every year for self and add-on members under Priority Pass Membership
4. 24×7 travel attendant service for booking, travel, late-night deliveries, etc.
5. Priority dining benefit under Good Food Trail dining plan at top restaurants across the country
6. 4 Reward Points on every Rs. 150 expend on all market expends including utility bills, insurance, education, rent, etc.
7. 10,000 Reward Points on expending Rs. 5 Lakh on the card and additional 5,000 points on extend the milestone expends of Rs. 8 Lakh
8. 1% fuel surcharge waiver on all transactions by Rs. 400 and Rs. 5,000 at all petrol pumps in the country
9. Rewards saving on flight and hotel booking, vouchers, gifts and products, etc.
10. Air accidental death cover of Rs. 1 crore
11. Emergency overseas hospitalization cover up to Rs. 15 Lakh

4- Flipkart Axis Bank Credit Card

Flipkart Axis Bank credit card is likely one of the best credit cards for shopping online. Apart from 5% cashback on Flipkart and Myntra, policyholders can also get 4% cashback on Swiggy, Uber, PVR and Cure.fit. The card also give unlimited cashback of 1.5% on all other expends. If you shop much on the brands introduce above, this card can be very beneficial for you. Other profit of this card are introduce below:

Annual Fee: Rs. 500
Renewal Fee: Rs. 500 (waived off on expending Rs. 2 lakh in the earlier year)
Minimum Income Requirement: Rs. 15,000 p.m. for salaried and Rs. 30,000 p.m. for self-employed

1. Unlimited 5% cashback on Flipkart and Myntra
2. Unlimited 4% cashback on select dealer such as Swiggy, Uber, Cult.fit, PVR, Tata Sky, Cleartrip, 1mg, etc.
3. Unlimited 1.5% cashback on all other online and offline expends
4. Start and joining profit worth Rs. 1,000
5. 4 complimentary lounge entry in India every year
6. Up to 20% off on partner restaurants under Dining Delights plan
7. 1% fuel extra waiver at all petrol pumps across India

5- Amazon Pay ICICI Credit Card

When it comes to co-branded profit, Amazon Pay ICICI Card is one of the best co-branded credit cards in India. If you shop at Amazon regularly, you can save big on all your Amazon expends in the form of cashback. Apart from Amazon buy, you get cashback on other expends as well. The best thing about this credit card is that you obtain all these profit free of cost as there is no joining fee or renewal fee on this card. Below-introduce are the information of this credit card:

Annual Fee: Nil
Renewal Fee: Nil
Minimum Salary Requirement: Communicated at the time of sourcing

1. 5% cashback on all buy at Amazon for Amazon Prime customers in increase to existing offers
2. 3% cashback on all buy for non-prime customers
3. 2% cashback on buy at Amazon partners and gift card buy
4. 2% cashback on recharges, bill payments, etc.
5. 1% cashback on all other buy
6. 1% fuel extra waiver on all petrol pumps across India
7. No cost EMI on all obtain above Rs. 3,000 for 3 or 6 months

6- Citi Premier Miles Credit Card

Those who don’t mind shelling various money on their credit card fee in exchange for complete travel profit like air miles on every spend, lounge entry, discounts and other travel offer can involve for Citi PremierMiles Credit Card which is one of the top travel credit cards in India.

Annual Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST
Minimum Income need: Rs. 25,000 per month

1. 10,000 Bonus Miles on expending Rs. 1,000 or more within 60 days of card issuance
2. Additional 3,000 Miles on card resumption
3. 10 Miles for every Rs. 100 on transactions made with any airline in the world
4. 4 Miles for every Rs. 100 expend entry all type
5. Accumulated air miles never close
6. 8 complimentary entry to airport lounges in India
7. Communicate Miles to the Frequent Flyer Programs of different airline partners in 2:1 ratio

7- HDFC Millennia Credit Card

HDFC Millennia is a cashback credit card that give cashback to cardholders on about all transactions. This card has been originate keeping the expending pattern of millennials in mind who like to shop online much. Apart from cashback, cardholders can also help the benefit of free lounge entry . Details and profit of this card are introduce below:

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 1 Lakh in the earlier year)
Minimum Income need: Rs. 35,000 for salaried and Rs. 6 Lakh for self-employed

1. 5% Cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CliQ, Sony LIV, BookMyShow, Cult.fit and Uber
2. 1% cashback on all other expends (exclude fuel)
3. Rs. 1,000 gift voucher on expending Rs. 1 lakh in a area
4. 8 complimentary lounge approach every year limited to 2 visits every area
5. Welcome profit of 1000 cashpoints on payment of the joining fee
6. 1 Cashpoint is equal to Rupee 1
7. 1% fuel extra waiver at all fuel stations over India

8- Standard Chartered Digismart Credit Card

If you are looking for a credit card that give good offers on online shopping, grocery, travel and dining, then Standard Chartered Digismart credit card can be your top select. It is more beneficent for those who make buy on Myntra, Ola, Grofers, Yatra, Zomato and Inox. Let us have an insight on the details and profits of this credit card below:

Joining Fee: Rs. 49 p.m.
Renewal Fee: Rs. 49 p.m. (waived off on spending Rs. 5,000 in the earlier month)
Minimum Income Needed: Rs. 50,000 p.m.

1. 20% off at Myntra once every month with no minimum expends up to Rs. 700
2. 10% off on Grofers five times every month up to Rs. 1,000
3. 10% discount up to Rs. 150 on every transaction on Zomato five times every month
4. 20% off on domestic flights up to Rs. 750 at Yatra once every area 
5. 10% off on International flights up to Rs. 10,000 at Yatra once every quarter
6. 10% off on hotel bookings up to R. 4,000 at Yatra once weekly
7. 15% cashback every month up to Rs. 600 on Ola taxi
8. Free movie ticket at INOX movies

9- HSBC Cashback Credit Card 

If you are a continuing shopper and like to make buy every now and then, you must get a shopping credit card that give you free cashback. HSBC Cashback card is one such credit card that offers cashback on all your buy. Let us have a look at various of the details of this credit card:

Joining Fee:  Nil
Renewal Fee: Rs. 750 + GST (Waived off on spending Rs. 1 Lakh in the previous year)
Minimum Income Required: Rs. 4,00,000 per annum

1. 3 domestic or international airport lounge entry or 3 airport meal coupon each, Amazon coupon of Rs. 500 and 50% discount up to Rs. 100 on the first transaction at Google Pay as welcome profit 
2. 5% discount up to Rs. 250 every month on expending Rs. 1,000 and above
3. 1.5% cashback on all online expends exclude wallet transactions
4. 1% cashback on all other expends
5. Zero joining fee
6. Cashback is also helpful on EMIs (Equated Monthly Instalments)
7. Up to 15% discount on dining at partner restaurants
8. Choice to pay credit card dues in EMIs on balance transfer, Cash-on-EMI, Loan-on-phone, etc.
9. Partner offers from time to time on Big Basket, Amazon Pantry, MakeMyTrip, etc.

10- HDFC Bank Diner Club Privilege

HDFC Diners Club Privilege credit card is one of the best all-rounder credit cards that give profit over shopping, travel, rewards, golf and premium lifestyle. In addition to these privileges, cardholders are also allow to many subscriptions along with monthly milestone profits. Cardholders get special privileges like spa, salons, gyms and concierge services along with many insurance profits with this card. Below introduce are the details and profits of this card:

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (waived off on spending Rs. 3 Lakh in the previous year)
Minimum Income Needed: Rs. 70,000 per month

1. Amazon Prime, Zomato Pro, MMT Black, Times Prime Smart and Big Basket Star membership on expending Rs. 75,000 within 90 days of card issuance
2. 12 airport lounge entry at 1000+ lounges global
3. 4 Reward Points for every Rs. 150 expend exclude fuel
4. Reward Points saving for AirMiles across many airlines (1 Reward Point = 0.5 Airmile)
5. Full discounts at many salons, gyms, spas, etc.
6. 2 complimentary golf games per area (both domestic and international)
7. Rs. 1 Crore Air accidental death cover
8. Emergency overseas hospitalization cover of Rs. 25 Lakh
9. Credit Liability Cover of up to Rs. 9 Lakh
10. Travel Insurance Cover of up to Rs. 50,000 on baggage delay
11. Low foreign currency conversion fee of 1.99%
12. Complimentary renewal of annual membership benefits on spending Rs. 5 Lakh in a year
13. 1% fuel convenience fee waiver at all petrol pumps in India