10 Best Credit Cards in India to Save Money – Which are the best credit cards in India? Well, when it comes to the shortlisting best credit card you need to do a lot of comparison with respect to features and cost. To help you here is a ready made list of 10 Best Credit Cards in India including cost and feature comparison.
The list of best credit cards selected here is best fit for the salaried professional with the mindset of saving more money. While shortlisting cards I have gone through the benefit of each card in detail like cashback, rewards, cost etc. So, here is a list of Top 10 Best Credit Cards in India 2019.
Also Read – 15 Types of Credit Cards in India and Usage
For better understanding, I have divided credit cards into various saving categories. The categories are –
# Best Credit Cards in India for Saving Money on Grocery Shopping
# Top Credit Cards in India for Saving Money on Online Shopping
# Best Credit Cards in India for Saving Money on Travel Expenses
# Best Credit Cards in India for Saving Money on Dining and Movie Tickets
# Top Credit Cards in India for Saving Fuel Expenses
10 Best Credit Cards in India To Save Money 2019 – Latest Review
Best Credit Cards in India for Saving Money on Grocery Shopping
- Standard Chartered Manhattan Platinum Credit Card
Standard Chartered Manhattan Platinum Credit card is one of the best credit cards for doing grocery shopping. This card provides a benefit of cashback of 5% while doing grocery shopping in malls. You can easily get approval of this credit card. It is the most suitable card for salaried person. Apart from the grocery, you can also save money on commuting.
Fee & Charges
Joining Fee – Rs.999
Annual Fee Second Year Onwards – Rs.999
Overdue Interest – 3.49% per month
Key Features and Benefits
- 5% cashback on a purchase at supermarkets like Reliance Fresh, Big Bazaar etc.
- Cashback limit is Rs.500 per month and maximum Rs.150 per transaction.
- You can get 20% cashback on Uber rides. Maximum limit for Rs.600 per month.
- 3x rewards on all other spending.
- You can get lucrative discount offers on leading brands from time to time.
- The good life offer program to enjoy additional privileges with leading brands.
- SBI SimplySAVE Advantage Card
SBI SimplySave Advantage Card is a very good card for the salaried individual. The SBI SimplySAVE Advantage card provides multiple benefits and helps you to save money for shopping. Annual fee of this card is very low. This card provides multiple reward points. The overdue interest charge is low.
Fee & Charges
Joining Fee – Rs.499
Annual Fee Second Year Onwards – Rs.499
Overdue Interest – 2.5% per month
Key Features and Benefits
- 10X Reward points per Rs.100 spent on the departmental store, Grocery, Dining, and movies.
- Cash on the go facility. You can withdraw money from any ATM.
- Fuel surcharge waiver.
- Global Acceptance and Auto utility bill payment.
- You can also use Flexi Pay and EMI facility.
Top Credit Cards in India for Saving Money on Online Shopping
- SBI SimplyCLICK Credit Card
If you are online geek and fond of doing online shopping, SBI Simply Click is one of the best credit cards for online shopping. SBI Simply Click has a tie-up with Amazon, Bookmyshow, Cleartrip, and multiple other online e-commerce companies. You can get 10X shopping rewards on online shopping.
Fee & Charges
Joining Fee – Rs.499
Annual Fee Second Year Onwards – Rs.499
Overdue Interest – 3.35% per month
Key Features and Benefits
- You will get Gift Card from Amazon on Joining worth Rs.500.
- You can earn 10X reward points on online spends with exclusive partners.
- Earn 5X rewards on all other online shopping.
- E-voucher worth Rs.2000 on annual online spends of Rs.1 Lakh.
- 1% fuel surcharge waiver for the transaction between Rs.500 & Rs.3000.
- Axis Bank Buzz Credit Card
If you are Flipkart lover Axis Bank Buzz Credit Card is for you. This card is exclusively associated with Flipkart. This card offers multiple milestone-based benefit to you. The key features and associated fees of this card are given below.
Fee & Charges
Joining Fee – Rs.750
Annual Fee Second Year Onwards – Rs.750
Overdue Interest – 3.25% per month
Key Features and Benefits
- You will get Flipkart Gift Voucher worth Rs.1000 on making 3 purchases within 45 days.
- You will get up to 10% discount at Flipkart Every month.
- You will have the option to convert purchase to EMI.
- Milestone benefit on annual spends.
- Accelerated rewards for shopping online.
Also Read – Top 15 Digital Wallets in India
Best Credit Cards in India for Saving Money on Travel Expenses
- Citibank Premier Miles Credit Card
If you are looking for a credit card which will save your travel expenses, you can go for Citibank Premier Miles and Credit Card. The annual fee for this card is very high, however, you will get a lot of privileges for using this card.
Fee & Charges
Joining Fee – Rs.3000
Annual Fee Second Year Onwards – Rs.3000
Overdue Interest – 3.5% per month
Key Features and Benefits
- You will get a welcome offer of 10,000 miles with your first spend of Rs.1000.
- The card works on miles you can earn 10 miles per Rs.100 spent on all airline transactions.
- You can earn 4 miles per Rs.100 spent on all other transactions.
- Free Airport lounge access
- Evergreen Miles that never expires
- 24×7 SMS tracking of your Reward Points.
- IRCTC SBI Platinum Card
If you are traveling a lot using railway IRCTC SBI Platinum Card is the best choice. This card offers multiple exclusive benefits to the end user. The key features associated with this card is given below.
Fee & Charges
Joining Fee – Rs.500
Annual Fee Second Year Onwards – Rs.300
Overdue Interest – 3.35% per month
Key Features and Benefits
- You can buy a ticket at IRCTC (AC1,AC2,AC3 and AC CC) and earn up to 10% Valueback as Reward points by using this card.
- You can save 1.8% transaction charges on railway ticket booking.
- You will enjoy a 1% fuel surcharge waiver.
- Global Acceptance and Auto utility bill payment.
- You can also use Flexi Pay and EMI facility.
Best Credit Cards in India for Saving Money on Dining and Movie Tickets
- Citibank Cashback Credit Card
Citibank Cashback Credit Card is one of the best credit cards for saving money on Dining and Movie Tickets. Citibank Cashback card offers cashback on almost every spends. It is a new generation contactless card. The key features and benefits of Citibank Cashback card are given below.
Fee & Charges
Joining Fee – Rs.500
Annual Fee Second Year Onwards – Rs.500
Overdue Interest – 3.5% per month
Key Features and Benefits
- 5% cashback on utility bill payment, movie ticket purchase & telephone bill payment.
- 5% cashback on all other spends.
- Up to 15% saving on participating restaurants.
- Get automatic cash back as a statement credit.
- Redemption in Multiple of Rs.500.
- Online Saving Calculator about Cashback.
- Exciting offers on leading brands across categories.
- ICICI Bank Coral Credit Card
For movie & food lover ICICI Bank Coral Credit card is a very good choice. This card is offered against income proof or against a fixed deposit. This card is suitable for salaried people. The overdue interest charge for this card is very low.
Fee & Charges
Joining Fee – Rs.500
Annual Fee Second Year Onwards – Rs.500
Overdue Interest – 2.49% per month
Key Features and Benefits
- Minimum 15% saving on dining bills via culinary treat program.
- You can get 2 complimentary movie ticket every month on Bookmyshow.
- Double the rewards on dining, groceries at the supermarket.
- Payback point on every Rs.100 spent on utility and insurance.
Top Credit Cards in India for Saving Fuel Expenses
- Standard Chartered Super Value Titanium Card
If you want to save your fuel expenses you can make use of Standard Chartered Super Value Titanium Card. Apart from fuel you can also save money on utility bill payments. The key features & benefit details of this card are given below.
Fee & Charges
Joining Fee – Rs.750
Annual Fee Second Year Onwards – Rs.750
Overdue Interest – 3.49% per month
Key Features and Benefits
- Earn 5% cashback on fuel spends up to maximum Rs.200 per month.
- Get 1 reward point for every Rs.150 spend.
- Earn 5% cashback on utility bills and telephone bills.
- Get 1% fuel surcharge waiver at major petrol pumps. (HPCL, BPCL, Indian Oil)
- 20% cashback on Uber rides up to maximum Rs.600 per month.
- ATM withdrawal is allowed.
- ICICI Bank HPCL Coral American Express Credit Card
ICICI Bank HPCL Coral American Express Credit card is next choice for saving fuel expenses. Annual fee of this card is very low. One drawback of this card is all major benefits are applicable at HPCL petrol pump only. So, you need to compulsory purchase petrol from HPCL pump to use this card.
Fee & Charges
Joining Fee – Rs.199
Annual Fee Second Year Onwards – Rs.199
Overdue Interest – 3.40% per month
Key Features and Benefits
- You can get 5% saving on fuel with 2.5% cashback and 1% surcharge waiver at HPCL petrol pumps.
- 5% cashback benefit is applicable up to Rs.100 per month.
- You can enjoy 100 Rs. discount up to 2 movie tickets per month.
- 6 Payback points on fuel spend at HPCL pumps and 2 Payback points at all other retail spends.
- Get fuel worth Rs.500 on redemption of 2000 payback points.
- Save up to 15% at over 800 restaurants.
Over to You –
Which Credit Card you prefer to buy from the above list?
Do you use any of the credit cards from the above list?
Do share your experience in the comment section.
