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15 Best Credit Cards in India 2025 Review

Shitanshu Kapadia
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15 Best Credit Cards in India 2025 Review

Which are the best credit cards in India? Well, the choice of the best credit card depends on many things. The card that sound best for me may not be best for others. This is because of difference in features and scope such as joining fees, annual fees, discounts, cash back, where we spend, how much we spend and a lot of other things.

One should remain cautious before accepting any credit card offer. Every credit card company is offering mouth-watering benefits like reward points, cash back, and other incentives. Many of us get attracted by these benefits and accept credit card without looking at basic features like annual fees, interest rate, etc. The credit card offer sounds lucrative at an initial stage, however, all these benefits get smashed when we receive actual credit card bill. Therefore, It is advisable to carry out independent online research before accepting credit card offer. You should be convinced that offer given by Credit Card Company is rewarding and will help you in saving money.

best credit card review india

In this post, I will share with some of the most popular credit cards in India. I will also help you to identify best credit card for your need. So, let’s begin our journey towards Best Credit Cards in India.

A list of Best Credit Cards in India is given below.

  1. Standard Chartered Platinum Reward Credit Card
  2. ICICI Platinum Chip Credit Card
  3. Standard Chartered Manhattan Credit Card
  4. SBI Simply Save Card
  5. SBI Corporate Platinum Card
  6. My Business Credit Card Axis Bank
  7. SBI Simply Click
  8. Axis Bank Buzz Credit Card
  9. Citibank Cashback Credit Card
  10. Axis Bank Privilege Card
  11. SBI Air India Signature Card
  12. Standard Chartered Super Value Titanium Credit Card
  13. Indian Oil Citi Platinum Credit Card
  14. HDFC Regalia Credit Card
  15. SBI Elite Card

You can select the best credit card from above list as per your needs.

Also Read – 7 Best Free Credit Card India

Most Important Points before selecting credit card –

  1. Your payment habit is most important factor in the selection of credit card. If you are not on time payer you should select a card with low-interest rate else you can select any card.
  2. Get information about annual fees, the interest rate applicable and Interest-free grace period.
  3. Get information about overdraft limit and late payment charges applicable on a credit card.
  4. As per RBI mandate, all credit card company needs to publish MITC (Most Important Terms and Condition) mentioning information about charges applicable on a credit card. Before buying any credit card, one should go through MITS.
  5. Always choose a credit card that has excellent customer care support.
  6. Purchase credit card as per your need. Remember credit card can be a necessity but not luxury.

Considering above points in mind I have divided best credit cards of India into seven parts. Starting from no annual fees to a premium credit card I will provide best credit cards in every category. So, let’s begin our journey to best credit cards in India.

Note – All credit card review given here are unbiased (Neutral). I am no way associated with any of the company or do not promote any of them.

Read – Top 5 Best Business Credit Card in India

15 Best Credit Cards in India 2025 Review

Best Credit Cards in India No Annual Fees

Annual Fees are fees that you pay every year for the privilege of using a credit card. Most of bank and Credit Card Company offers a card with annual fees. However, few banks offer credit card with No Annual Fees. These type of card is also known as lifetime free credit card. Here are three Best Credit Card with No Annual Fees in India.

#1. Standard Chartered Platinum Reward Credit Card

First life time free credit card without any annual fee is Standard Chartered Platinum Reward Credit card.  A special advantage of Standard Chartered Platinum Reward Credit card is this card provides a lucrative offer of 20% cashback per month on Uber rides. This means you can save sustainable amount on Uber ride per year. Additional benefits of this card are given below.

Additional Benefits –

  • No Annual and Joining Fees
  • Earn 5 reward points for every Rs.150 spend on dining outlets and on fuel.
  • 20% discount for first time user of big basket.
  • 1000 reward points on the first transaction of a credit card.
  • Additional 500 reward points for registering online banking.

On website it says joining fees of Rs. 250 but that will be waived off when you use your credit card within first 90 days.

In order to get approval for the card you need to provide your income proof. No joining fees and multiple rewards with good saving is best part of this card.

#2. ICICI Platinum Chip Credit Card

ICICI Platinum Chip credit card is life time free credit card. This card is claimed to be lifetime free card by ICICI. However, you need to Rs.50000 or above using this card to waive off annual fees. Features and benefit offered by this card are given below.

Features and Benefits –

  • 15% saving on dining bill.
  • Fuel surcharge 1% waiver.
  • Earn 2 payback point on every Rs.100 spent.
  • Extra layer of security.

This card is generally issued against fixed deposit. The credit limit of card is decided based on amount invested in the fixed deposit. Approval rate of this card is not very good unless you apply against fixed deposit. Students, Housewife and Salaried people can apply for this card.

If we compare both Standard Chartered Platinum card with ICICI Platinum Chip card it is clear that Standard Chartered Platinum Card is a better choice.

Also Read – 20 Types of Credit Card Charges you should be aware of

Best Credit Cards for Salaried Person in India

If you are the salaried person this section is for you. In this section, we will take a look at best credit cards for a salaried person in India. 

#3. Standard Chartered Manhattan Credit Card

Standard Chartered Manhattan is the best credit card for the salaried person in India. This card comes with attractive rewards and cash back facility. You can claim 20% cashback on all UBER rides using this credit card. You can use Standard Chartered Manhattan Credit Card free of cost for the first year.

Features and Benefits –

  • 5% cash back at supermarket and department stores.
  • You can earn up to Rs.500 as cash back every month and Rs.150 for each transaction.
  • Renewal fee waiver if annual spend increase Rs.60000.
  • 3X reward by using a credit card for a hotel, air ticket reservation, and fuel.

This is the only card that offer 5% cashback on grocery purchase at almost all supermarket like big bazaar, metro, Reliance etc. The cashback part is most significant in this card.

#4. SBI Simply Save Card

SBI Simply Save is a perfect card for the salaried individual. This card provides multiple benefits on shopping, travel, and lifestyle. Annual Charge of this card is very low. This card offers following benefits.

Benefits of SBI Simply Save Card –

  • 10X Reward points per Rs.100 spent on the departmental store, Grocery, Dining, and movies.
  • Fuel surcharge waiver.
  • Auto utility bill payment.
  • Cash on the go facility.

This card offers benefits on grocery, dining, movies, utility bill payment and fuel. All of these covers major part of household expense for the salaried people. Thus it is good to go for SBI Simply save card.

Best Business Credit Cards in India

If you are businessman this section is for you. In this section, we will take a look at best business credit cards in India.

#5. SBI Corporate Platinum Card 

SBI Corporate Platinum Card is one of the best business credit cards in India. This card helps you to track your expense with spend management tool. You can set spending limit in order to ensure better control. This card is widely accepted in India and even at abroad.

Features and Benefits –

  • Spend Analysis and Spend Control.
  • Emergency Cash Disbursement.
  • Travel & Fraud related insurance.
  • Wide acceptability.

Expense tracking and spend management to control expense is best part of this card. It is recommended card for SME.

#6. My Business Credit Card Axis Bank

My Business Credit Card from Axis Bank is a second credit card in business card category. This card helps you to control your business and travel expense with unique business saving plan feature. It also offers you a free hotel stay for fix period. Additional benefits and features of this card are given below.

Additional Benefits –

  • Cash Advance Facility
  • Pay Bill automatically
  • Purchase Products on EMI
  • Airport Lounge Access
  • Fuel surcharge waiver

This card is best suited for frequent traveler as it offers free stay at many locations.

Recommended – 5 Best Premium Credit Card in India

Best Credit Cards for Online Shopping in India

If you are fond of shopping you can surely go for following best credit card for online shopping in India.

#7. SBI Simply Click 

SBI Simply Click is the best credit card for the shopping. SBI Simply Click card provides benefits like login gift, e-shopping rewards etc. It is a card for a new generation that always remains online. Key features and benefits of this card are given below.

Key Features and Benefits of SBI Simply Click

  • You can earn e-shopping rewards for Amazon, Bookmyshow, clear trip and lot of other websites.
  • You can avail e-voucher as milestone gift with online spending of 1 Lakh and above.
  • Cash on the go facility of this card allows you to withdraw money from ATM.
  • It is a contactless card.

SBI Simply Click is generally given to salaried people. If you have SBI salary account you can easily get this card.

#8. Axis Bank Buzz Credit Card 

Axis Bank Buzz Credit card is ideal for online shopping geek. This card offers an exclusive benefit for shopping online. You need not pay any annual fees for the first year. Other exclusive benefits offered by this card is given below.

Benefits of Axis Bank Buzz Credit Card

  • Gift voucher from Flipkart worth Rs.8000
  • 5% discount on Flipkart Shopping
  • 3X Axis eDGE reward points for shopping online
  • Conversion of purchase to EMI

If you are shopping geek and like shopping from flipkart you can think of using Axis Bank Buzz Credit card.

Best Credit Cards for Cashback In India

#9. Citibank Cashback Credit Card 

Citibank Cashback Credit Card is another best credit card for cash back in India. You can save a lot of money as cash back by using this credit card. This card gives you cash back on almost every transaction related to household including utility bill payment. Additional benefits of this card are given below.

Additional Benefits –

  • 5% cashback on Telephone and Utility bill payment.
  • Up to 15% saving across participating restaurants.
  • 75% Cashback on fuel purchase.
  • 5% Cashback on all other spends.
  • Cashback is auto credited in to account in multiple of Rs.500.

You need good credit history in order to avail this card. Online process of getting this card is complex and time consuming.

Also Read – Top 5 Best Travel Credit Cards in India

Best Credit Cards for Travel

If you are frequent traveler following credit card will surely help you in order to save money on travel. It will also give you exclusive lifestyle benefit during travel. 

#10. Axis Bank Privilege Card 

This card is claimed to be unlimited travel benefit card. This card offers multiple travel benefits to the customer including insurance benefit. The key features and benefit offered by this card are given below.

Key Features and Benefits –

  • Yatra Vouchers of Rs.5000 as activation benefit
  • Complimentary access to Airport Lounges
  • Free Travel Insurance with benefits like accident cover, loss of baggage and travel documents.
  • 15% off at partner restaurant

#11. SBI Air India Signature Card 

SBI Air India Signature Card is the second best credit card for travel. However, this is airline specific card. If you are Air India frequent traveler you should opt for this card. Additional benefits of this card are given below.

Additional Benefits –

  • Enjoy complimentary membership of the Air India Frequent Flyer program
  • 20000 Reward Points as Joining Gift
  • Convert Reward points to Air India miles
  • Railway ticket delivery at doorstep

Best Petrol Credit Cards In India

#12.Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value Titanium Credit Card is the best choice for saving money on fuel and utility bills. Joining fee for this card is NIL and the annual fee is very low. Key features and benefit of this card are given below.

Key Features and Benefits –

  • Earn 5% cash back on fuel
  • 5% cash back on telecom, gas, electricity
  • Attractive rewards on spending

Recommended – Best Forex Cards in India 2018

#13.Indian Oil Citi Platinum Credit Card 

Indian Oil Citi Platinum Credit Card is Indian Oil specific card. In addition to fuel, this card allows you to earn on all other spends. Benefits of owning this card are given below.

Additional Benefit –

  • 4 Turbo Points on Rs.150 of fuel purchases at authorized Indian Oil Retail Outlets
  • 2 Turbo Points on Rs.150 at grocery and supermarkets
  • Redemption and multiple places including online partner

Best Premium Credit Cards in India

#14.HDFC Regalia Credit Card

HDFC Regalia Credit Card is Best Premium Credit Card I have ever seen. This card offers world class privileges and saving opportunities. In addition to that, you can avail other complimentary benefits. Key features and benefit offered by HDFC Regalia Premium Credit card are given below.

Key Features and Benefits –

  • Complimentary Vistara Silver Membership
  • Exclusive dining privilege up to 15% discount on premium restaurants
  • Travel Concierge Services
  • Airport Lounge Access
  • Exclusive Reward Program
  • Comprehensive Travel Protection in association with HDFC Ergo General Insurance
  • Lowest Foreign markup fees

#15. SBI Elite Card

SBI Elite is one of the best premium credit cards. SBI Elite Card gives spend based milestone reward points that can be converted in to cash credit. Key features and benefits of this card are given below.

Key Features Benefits –

  • Welcome e-gift voucher worth Rs.5000.
  • Free movie ticket worth Rs.6000 every year.
  • 5X reward points on Dining, Departmental Store and Grocery spends.
  • Complimentary Club Vistara Silver membership
  • Complimentary Trident Privilege Red Tire membership
  • Concierge Services

Over to you –

Standard Chartered Manhattan Credit Card is my favorite credit card. It is easy to get this card and it offers cashback on UBER rides and grocery purchases.

Which Credit Card you prefer to buy from above list?

Do you use any of the credit cards from above list?

Ashish Chugh Hidden Gems – Secrets of Identify Multibagger Stocks

Shitanshu Kapadia
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0
Ashish Chugh Hidden Gems – Secrets of Identify Multibagger Stocks

Ashish Chugh is Investment analyst and founder of Hidden Gems Advisory. Ashish Chugh is a master in identifying Multibagger stocks. The entire stock portfolio of Ashish Chugh is full of multibagger stocks. He generated massive wealth from the stock market. The investment methodology of Ashish Chugh is unique. He invests potential multbagger stocks that are beaten badly because of short term negatives but carries inherent power to bounce back once negatives are over. The strategy adopted by Ashish Chugh paid off and he could able to generate a lot of money from stock market. In this post, we will take a look at secrets of identifying multibagger stocks by Ashish Chugh.

Ashish Chugh Hidden Gems – Secrets of Identify Multibagger Stocks

Valuation

Chugh looks at the “Big Picture” while investing in stock. He identifies stocks that are beaten due to negative news and reached to valuation that is at an acceptable level. If a stock has long term outlook he enters in the stock.

Also Read – Mohnish Pabrai Stock Portfolio – Success Story

Keep an eagle eye on selling pressure generated on good stock. S

Selling Pressure on Good Stockcoop good stock when everyone is selling. This is exactly opposite to what other investor does.

Cash flow 

Cash flow is next important point while making an investment. Majority of investor think only about returns while investing in stock. However, he looks at a number as he gives priority to risk management over historical returns.

Future Growth Prospects

Future growth prospects is another important factor to consider while making an investment. If a company is on the expansion route or dealing with monopoly product chance of generating multibagger returns are higher.

Management Quality

Management quality is utmost important in identifying good mutlibagger stock. One should look at honesty, integrity, dedication, and potential of management before investing in stock.

Take Advantage of Bad Quarterly performance

We avoid stocks which are dumped during a bad quarterly performance. However, Ashish Chugh believes that knee-jerk reaction of an investor during the bad quarterly performance is time to enter in the stock for earning a bigger profit.

Recommended – Radhakishan Damani Portfolio Holdings

Top Multibagger Stocks by Ashish Chugh

Top multibagger stocks by Ashish Chugh are Natco, Bajaj Finserve, Greenply, Atul Auto, Avanti Feeds, Spicejet, Thirumalai chemicals, Vadilal Industries etc.

Top Historical Stock Pick by Chugh is given below.

Ashish Chugh

From above secrets of Chug, we can say that investing is a game of mind and not of emotion. Investor loses money as they are unable to control emotion and identify opportunities for investment. If investors follow the right methodology and gain control over emotion he/she can also become wealthy from the stock market. 

Best Portfolio Management Services (PMS) in India

Shitanshu Kapadia
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0
Best Portfolio Management Services (PMS) in India

 

Portfolio Management Services (PMS) is a professional service offered by experts for the portfolio management. In this service, the Portfolio Manager manages client portfolio on their behalf. The prime objective of PMS is to help the client in getting the highest returns. Historically, some of the PMS has generated exorbitant wealth for the investors. E.g If you had invested Rs 25 Lakh in Porinju Veliyath’s Equity Intelligence PMS five years ago, your investment would be worth around Rs 1.25 crore today. What is Portfolio Management Services? What are the benefits of PMS? How does it work? Which are Best Portfolio Management Services (PMS) in India? Let’s try to get answers to these questions.

stock market portfolio management

What is Portfolio Management Services (PMS)?

In simple terms, portfolio management service is a service in which your equity portfolio is managed by the professional portfolio manager. The entire decision of buying or selling of stock is done by them on your behalf.  The portfolio manager possesses rich experience and is backed by a research team.

The portfolio manager charges fees in order to manage portfolio. This type of service is taken by High net worth individual or institutions. The minimum portfolio size for availing PMS services is 25 Lakh.

Porinju Veliyath Portfolio Holdings – Success Story of Porinju Veliyath

Types of Portfolio Management Services

In general, there are two types of PMS services namely Discretionary and Non-Discretionary.

Discretionary PMS – In Discretionary PMS, your portfolio is managed entirely by the portfolio manager. The decision about where to invest and at what time is at the discretion of Portfolio manager.

Non-Discretionary PMS – In Non-Discretionary PMS, your portfolio is partially managed by the portfolio manager. Your portfolio manager advice you about buy and sell activities. The execution of trade take place after taking consent from you.

In India, most of the PMS providers offers Discretionary services.

How PMS works?

Once you opt for the services offered by PMS, a dedicated portfolio manager shall be allocated to you. You need to make payment by cheque and transfer your existing shares to the PMS account. You need to sign portfolio management agreement and demat account opening form. There will be separate demat account once you opt for PMS. Apart from this, you need to submit PAN card, Aadhaar card and residence proof.

A portfolio manager showcases a model portfolio based on your risk profile and financial goal. Based on your agreement investments take place. A portfolio manager makes changes to your portfolio based on market condition and risk profile. This is to ensure maximum gain from the invested money. You will get regular updates about the performance of your portfolio.

Technical Analysis or Fundamental Analysis – Which is better?

What are the benefits of PMS?

  • PMS is managed by a qualified and experienced portfolio manager. So, you are likely to get superior returns by adopting PMS.
  • A stock portfolio backed by a high level of investment expertise and research.
  • Personalization and customization based on the risk profile of the investor.
  • Strong and Active Risk management.
  • Portfolio Manager is directly accountable to the client, a client can seek justification especially in case of discretionary services.
  • The complete transparency is another benefit of PMS. The client will be updated time to time about the performance of the portfolio.

Best Portfolio Management Services (PMS) in India

1)    Porinju Veliyath Equity Intelligence PMS

Equity Intelligence PMS is claimed to be Best Portfolio Management Service Provider in India.

Equity Intelligence was incorporated in 2002. It is backed by Investment guru Porinju Veliyath. It is SEBI registered portfolio management firm with a track record of providing a very good return to the investor.

It is claimed that since inception EQ PMS has generated 32.76% return for the investor. This year in FY2017 EQ PMS has generated 46.98% return.

The minimum Investment required for this PMS is Rs.50 Lakh. Earlier it was Rs.25 Lakh but in order to maintain quality and to reduce rush this amount is increased to Rs.50 lakh. The fees charged by EQ PMS is 2% per annum charged quarterly @0.5% on average NAV and 10% share of the returns above 10% per annum.

2)    Motilal Oswal Next Trillion Dollar Opportunity

The second Best PMS on the list is Motilal Oswal Next Trillon Dollar Opportunity (NTDOP). Motilal Oswal PMS was established way back in 2003. In last five years this PMS has generated 31.5% return for the investor. It is backed by dedicated team of experts including Raamdeo Agrawal.

The minimum investment required for Motilal Oswal Next Trillion Dollar Opportunity is 25 Lakh. You can top up this plan with additional amount 5 Lakh. The fees for this PMS is variable and based on the performance of portfolio.

NRI can also invest in this PMS services.

5 Best Demat Account in India for New Investors

3)    ASK India Select

ASK India Select is third best portfolio management service in India. ASK India is backed by team of experts. ASK India select has generated 26.4% return in last five years.

The minimum investment required for ASK India select PMS is 5 Lakh. You can increase this investment any time. The fixed fees for this PMS is 2.5% to 3.50%. In addition to this, client needs to pay brokerage amount. Apart from fixed fees additional variable component of performance based fees is also involved. Overall it is a good choice for investment.

Points to consider while selecting PMS in India

You should consider following points while selecting PMS for the investment.

  • First thing you need to consider is Investment Horizon. Your horizon can be short term, long term or medium term.
  • Portfolio Strategy and performance is another important point to consider. A portfolio should beat the benchmark.
  • Minimum investment also matters. Some PMS offers services with minimum investment amount of Rs.50 lakh. Higher the amount means higher the risk.
  • Entry and exit load charged by PMS is another important factor one should consider.
  • Some PMS has Lock-in period. You should stay away from such PMS.
  • Fees charged by the PMS is another important point one should consider before making any investment.

Should you Opt for PMS?

Portfolio Management Services are recommended only for High Net worth individual with high risk taking capacity. This service is not recommended for the normal investor. If you have the capacity to invest in the stock market, but you are lacking with skill and time PMS is for you.

Note – The selection of Best Portfolio Management services given above is based on user feedback and experience. I have not availed any services from above PMS. You are requested to carryout own due diligence before making investment in any PMS.

Happy Investing!

How to Verify Aadhaar & PAN at EPF UAN Website?

Shitanshu Kapadia
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0
How to Verify Aadhaar & PAN at EPF UAN Website?

verify aadhaar

Once you link your Aadhaar and PAN with EPF account, you need to digitally verify Aadhaar & PAN at EPF UAN website. As per EPF UAN website, digitally verification of KYC such as Aadhaar & PAN is mandatory for availing EPF services. In this post, we will take a look at the complete process of How to Verify Aadhaar & PAN at EPF UAN Website? We will also take a look at online verification status of KYC.

EPF UAN Passbook Download Portal Facility – New Interface

How to Verify Aadhaar & PAN at EPF UAN Website?

The steps for online verification of Aadhaar and PAN at EPF UAN website is given below.

  • Visit Unified Member Portal – https://unifiedportal-mem.epfindia.gov.in/memberinterface/
  • You will be prompted for UAN Login and Password. After Entering UAN and Password enter Captcha text and press Sign In button.
  • After successful authentication, you will be taken to the page where it will show your member profile, UAN Card, and Account setting section.
  • Under Member Profile, you will be able to see the section of AADHAAR and PAN.
  • If AADHAAR and PAN are not verified it will show Unverified text with red color beside Aadhaar and PAN number.

Verify Aadhaar

  • Along with that, it will also display “Verify” button.
  • For Aadhaar verification press Verify button beside Unverified text in Aadhaar Section. Now the system will verify your Aadhaar number with UIDAI database. You will see message box with Verifying text.

verify PAN

  • On successful UIDAI authentication status is updated to Verified with UIDAI. In case of mismatch in Name, DOB or Gender it will display a warning message.
  • For PAN Verification press Verify button beside Unverified text in PAN Section. Now the system will verify your PAN number with Income tax database. On successful verification it will say PAN Verification Successful and status will be changed to Verified.

Online EPF withdrawal Claim Submission Process

PAN Verification

Online Verification Status of KYC

KYC means Know Your Customer. It is a process to know detail about Customer.

To check Online Verification Status of KYC, login to UAN Portal and go to Manage > KYC. In this section, you will find KYC related information. You can also see a section for KYC Pending for Approval and Digitally Approved KYC Section.

The last column under Digitally Approved KYC section is Online Verification Status. The status under both PAN and Aadhaar should appear as Verified.

EPF withdrawal for buying house and paying EMI – New EPFO rule

verification status

Under Digitally Approved KYC Section you should have minimum following documents approved for KYC.

  • Bank Details
  • Aadhaar
  • PAN- Mandatory if you do withdrawal before 5 years of EPF contribution as TDS is deducted.

If you find missing information in this section you can add it using Add KYC section. Once you are done with adding detail press Save Button. Now this detail will appear in Pending KYC Section. You have to wait for the employer to approve the KYC details.

After approval by your employer, these documents appear in Digitally Approved KYC as shown in the image below.

I hope the information given here for the online Verification of Aadhaar & PAN will help you in the completion of online verification. In case you have any query feel free to post it in the comment section.

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