Choosing the best credit card in India depends on individual needs, such as travel benefits, cashback offers, or shopping rewards. Here are ten of the top credit cards available in India in 2024, catering to various preferences

Choosing the best credit card in India depends on individual needs, such as travel benefits, cashback offers, or shopping rewards. Here are ten of the top credit cards available in India in 2024, catering to various preferences:

1. HDFC Bank Infinia Credit Card: Known for its super-premium benefits, this card offers a high reward rate of up to 33% on SmartBuy and unlimited lounge access domestically and internationally. It’s ideal for high spenders with significant travel and lifestyle benefits.

2. SBI SimplyCLICK Credit Card: Perfect for online shoppers, this card provides 10X reward points on transactions with partner merchants like Amazon and Cleartrip, and 5X points on other online spends. The annual fee is waived with annual spending exceeding ₹1 lakh.

3. ICICI Instant Platinum Card: A great entry-level card offering 2 PAYBACK points for every ₹100 spent and a 15% discount on dining at partner restaurants. It also includes benefits like a fuel surcharge waiver and discounts on movie tickets.

4. Standard Chartered Manhattan Credit Card: This card is excellent for grocery shoppers, providing 5% cashback on supermarket purchases and additional reward points on other spends. It also offers discounts on lifestyle stores and Uber rides.

5. Axis Bank Magnus Credit Card: Targeted at frequent flyers, this card offers points transferable to airline partners, complimentary airport meet-and-greet services, and high reward rates on luxury spends.

6. HDFC Diners Club Black Credit Card: This card matches Infinia in terms of rewards and benefits but offers additional perks like 5X reward points on spends and extensive lounge access. It’s a great option for frequent travelers and high spenders.

7. Tata Neu Infinity HDFC Bank Credit Card: Ideal for those who spend heavily on Tata Group services, this card offers up to 10% back in NeuCoins and good benefits for UPI and bill payments. It also provides limited lounge access.

8. Yes Bank Marquee Credit Card: This card provides a high reward rate of up to 4.5% on online spends, making it a good choice for digital shoppers. However, it lacks points transfer to airline or hotel loyalty program .

9. Citi Cashback Credit Card: Suitable for those who make regular utility and online bill payments, this card offers 5% cashback on movie tickets, telephone, and utility bill payments, along with other spending benefits.

10. HDFC Bank Regalia Gold Credit Card: An upgrade over previous Regalia versions, this card offers enhanced milestone benefits, high reward rates on SmartBuy transactions, and extensive lounge access both domestically and internationally.

These credit cards cater to different spending habits and lifestyle needs, ensuring that there’s an option suitable for everyone, whether you prioritize travel, shopping, or general rewards.