Best benefits Credit card in India (2022)

If you want to know about the Best benefits of Credit cards then I think you have come to a very good site, so let\’s get started. There are more than 250 credit cards in India but when it comes to choosing the best credit card, we mostly accept the bank\’s offer. However, it is very important to choose a card according to your spending type and lifestyle needs. It can give you substantial savings in the form of rewards, cashback, discounts, and much more. To start your comparison, here is a list of the top credit cards in India. Why do we recommend them and which credit card is the best in India?

1. Axis Bank Ace Credit Card:

Annual Fee: Rs. 499
Minimum Income Required: Communicated at the time of sourcing.

Key Benefits	Why We Like It
1.5% cashback on bill payment, DTH recharge, and mobile recharge initiated via Google Pay 2.4% cashback on Swiggy, Ola and Zomato 3. complimentary domestic lounge visits in a year	1.No upper limit or maximum cashback earned. 2. Cashback on multiple categories and top brands 3. Benefits across different categories

2. Flipkart Axis Bank Credit Card:

Annual Fee: Rs. 500
Minimum Income Required: Rs. 15,000 per month.

Key Benefits	Why We Like It
1.5% cash back on purchases made via Flipkart & Myntra 2.1% fuel surcharge waiver 3.4 complimentary domestic lounge visits every year	1. One of the best cashback cards in the market 2. Opportunities to avail of benefits & discounts on travel, dining, etc.

3. Amazon Pay ICICI Credit Card:

Annual Fee: Nil
Minimum Income Required: Rs. 25,000 per month.

Key Benefits	Why We Like It
1.5% cash back for Amazon Prime members on Amazon charges 2.3% cashback on Amazon costs for non-prime members 3.1% cashback on all other transactions	1. A good credit card for cashback 2. Easy reward redemption and cashback conversion 3. Very useful for online shoppers

4. HSBC Cashback Credit Card:

Annual Fee: Rs. 750
Minimum Income Required: Communicated at the time of sourcing.

Key Benefits	Why We Like It
1.1.5% cashback on all online expenses (excluding funds transferred to an online wallet) 2.1% cashback on all other expenses 3.3 complimentary airport lounge access or 3 meal vouchers in domestic and international lounges	1. Unlimited cashback on all transactions 2. Advantages in multiple sections 3. Multiple welcome benefits

 5. SBI SimplyClick Credit Card:

Annual Fee: Rs. 499
Minimum Income Required: Rs. 20,000 per month.

Key Benefits	Why We Like It
1. E-gift card worth money. 500 from Amazon as a welcome gift 2.10 prize points for every penny. Online shopping has cost 100 rupees 3.1% fuel surcharge waived	1. Great cashback on low annual fees 2. Ongoing offers on several top brands 3. Good choice for online shopping

6. Bank of Baroda Eterna Credit Card:

Joining Fees

Rs. 2,499 + GST.

Key Benefits	Why We Like It
1. 6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.	1. 15 reward points / Rs. 100 on online shopping, travel, movie, and dining spends (max cap of 5,000 points at this rate), 3 reward points/ Rs. 100 for spending on all other categories.

7. HDFC Bank Millennia Credit Card:

Joining Fees

Rs. 1,000 (plus applicable taxes).

Key Benefits	Why We Like It
1.1,000 CashPoints as a Welcome Benefit.	1.5% cashback (as cashpoint) on selected partner online merchants and 1% cashback (as cashpoint) on all other expenses (excluding fuel)

8. ICICI Bank Emerald Credit Card:

Joining Fees

Rs. 1,000 (plus applicable taxes) for a monthly plan, Rs. 12,000 (plus applicable taxes) for the annual plan.

Key Benefits	Why We Like It
1. Travel and shopping 2. Fuel and shopping 3. Movies 4. Travel and lifestyle	1. 4 Reward points on every Rs. 100 spent on all transactions (except fuel, utilities, and insurance categories) and 1 Reward point on every Rs. 100 spent on utilities and insurance

9.PVR Kotak Platinum Credit Card:

Joining Fees

Nil

Key Benefits	Why We Like It
1. Get 15%# Cashback on Food and Beverages at PVR 2. Get 5%# Cashback on Movie tickets at PVR Box Office 3.No Joining Fee for the first year	1. Get 2 free PVR movie tickets* every month when you spend ₹ 10,000and above in a monthly billing cycle 2. Shop Anywhere in India using your PVR Kotak Credit Card to get your free PVR movie tickets. Available for ANY TIME, ANY DAY, ANY SHOW 3. Your Card is protected from unauthorized transactions in case it is lost or stolen

10.Paytm credit card:

Joining Fees

Nill

Key Benefits	Why We Like It
1.3% cashback on all purchases on Paytm [Mall + Movies + Mini App] 2.2% cashback on all other Paytm spends.  3.1% cashback on all other Retail Spends 4. Get the monthly fee waived off on retail spending of Rs.5,000 in a month (Non-EMI Spends)	1.1% Fuel Surcharge waived off on fuel transactions. (Minimum transaction of ₹400, Maximum CashBack of ₹250 per statement cycle) 2. Earn up to Rs. 1200 cashback annually –  1% Cashback upon spending Rs.10,000 every month (Non-EMI Spends) – [Capped at Rs.100 per month] 3. Enjoy low cost and low-cost EMI options on your credit card