Tons of people long to opt best credit card that is why they are going via google, as per the number of searches we got to know that they want to know the Top 10 Credit Cards In India for 2022 with zero civil scores. If you are one of them then you have found the right post for you. By using these credit cards you will receive a good amount of cashback and offers. We will help you to find out some of the best credit cards and their features, you have to do the shopping and traveling with those cards. So what are you waiting for? let’s explore.
Top 10 Credit Cards in India For 2022
Here is the list of Top 10 Credit Cards In India for 2022. Definitely, it will help you a lot. The list is available below with all the benefits and cashback. You can choose one of these credit cards and use it in your payments. Enjoy the benefits of these top credit cards with outstanding benefits.
Axis Bank Ace Credit Card
As we know Axis is one of the leading banks, as we know in the marking there is cut-throat competition. The bank issues its credit card with lots of benefits and functions, Axis Bank Ace Credit Card is one of them, it offers you 2% cashback which is the highest itself.
The Joining fee of the card is Rs. 499 including the reversed on spending rs. 10,000 in 45 days. And Renewal fee remains same including reversed on spending rs. 2 lakh or more in the ongoing year. There are several benefits you will receive at the time of receiving this credit card.
5% cashback on every transaction of bill payment and mobile recharge via google pay.
5% cashback on the Swiggy, Zamora and ola.
On the other spends, you will receive 2%.
There is no maximum limit on the cashback earned.
SBI Card Elite
SBI is one of the reputed and old banks, and SBI Card Elite is maybe one of the most premium cards. You are a shopping-lovers then we would want to tell you it is a suitable card for you with plenty of shopping vouchers. You will also get some more discounts cashback and offers. This card is the part of Top 10 Credit Cards In India for 2022.
The annual fee of the card s 4999 including GST and the renewal fee is also the same with GST as far as we know the annual income is required for the cad is 60 lakh.
There is a welcome e-gift voucher of rs 5000 from yatra Bata Hush Puppies Pantaloons snd shoppers stop and more.
Cardholders may get a free movie ticket of 6000 in a year in the form of a rs 250 voucher per month.
If your annual spending reaches up to 3 or 4 lakh you will get 10000 bonus reward points.
2 reward points on every 100 spent on all the categories except fuel.
you will get complimentary Club Vistara Membership.
HDFC Regalia Credit Card
It is one of the best cards for all of you which will offer you something in every and each category. There are thousands of people who are availing of the service of this card and they are delighted with it. It is high time to get the card and you can enjoy your shopping experience with HDFC Regalia Credit Card. It has so many benefits can functions all are given below. You can say that it is one of the important card in the list of Top 10 Credit Cards In India for 2022.
The joining fee of the card is 2500 including GST and the renewal fee remains the same. Your minimum income is required 1 lakh to be eligible for this card.
Through this card, you will get 12 complimentary domestic airport lounges every calendar year.
And up to 6 international lounge access every year, including 10,000 points on 5 lakh spent and 5000 extra on 8 lakh spent.
Surprisingly you will get air accidental death cover rs 1 crore.
There is also heavy discounts on transition, vouchers, gifts and more.
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card is known for being the best shopping credit card online, you will get instant 5% cashback on Flipkart and Myntra, and 4% off on Swiggy, Uber, PVR more. There are several offers, vouchers, gifts for all of you on this card. Cardholders will be happy to have this card as it provides unlimited cashback of 1.5% on the spending. This is the one of the much demanded cards among the Top 10 Credit Cards In India.
The annual fee of the card is 500, and the renewal fee is also the same, talking about the criteria of income then if you are a salaried person, your monthly income should be min 15000, and for self-employed, it is 30,000.
As we mentioned earlier that 5% cashback on Flipkart and Myntra.
Unlimited 4% on Swiggy, Uber, Cult.fit, PVR TATA Sky, 1 mg, and more.
And cardholders will get 20% off on partner restaurants under the dining delights program.
Cardholders will receive activation and joining benefits worth 1000.
Amazon Pay ICICI Credit Card
So here is another card from the list of Top 10 Credit Cards In India for 2022. It is one of the co-branded cards, holding lots of customers, in the world, there are a number of cardholders who was consuming all the services and benefits of the card. If you also want then do apply today and if you want to know about the benefits of Amazon Pay ICICI Credit then keep reading.
YOu will be happy to know that its annual fee is nill and renewal is also nil, required income should be communicated at the time of getting this card issued.
Cardholders will get 5% off on the transaction with Amazon and Amazon prime customers with amazing offers.
And the 3% cashback to the non-prime customer on all the purchases.
2% cashback on the recharge and bill payment etc, 1% fuel surcharges and 1% on all the spending.
There is no cosh EMI on all purchases above rs 3000.
Citi PremierMiles Credit Card
It is one of the top travel credit cards in India, If you love travelling then this card is made for you. Because while experiencing this card you will receive lots of offers including vouchers, points, girls, discounts and more. Citi PremieMiles Credit card is holding lots of users.
Its annual fee is 3000 including GST and the renewal fee is also the same, minimum income is required for the card is 25000 per month.
The cardholder will receive rs. 10,000 bonus on the spending rs 1000 or more within 60 days and additional 3000 miles on the card renewal.
On every 100 transitions with the airline in the whole world, you will get 10 miles.
4 miles for all categories transactions, you will make there are 8 complimentary visits to airport lounges in India.
HDFC Milesnnia Credit Card
HDFC is one of the best cashback credit cards which offers you the best cashback offers on all transactions. This card is made for the people who love spending on shopping.
There are several benefits and functions the joining fee of the card is 1000 and its annual fee is 1000, to have this card your minimum income should be 35000 for self-employed it is 6 lakh.
5% cashback on Amazone, Flipkart, Myntra, Swiggy, Zomato, Tata Cliq, Sony LIV and BookMyShow.
And 1% cashback on all the other spending except fuel.
Receive 1000 gift vouchers on spending Rs 1 lakh in a quarter. 8 complimentary lounges access every year.
On the payment of the joining fee, you will benefit from 1000 cashpoints.
Standard Chartered Digismart Credit Card
If you are looking for the best credit card that offers you lots of shopping gifts, and vouchers. If you are fond of traveling, dining, then standard chartered Digismart credit is the best option for all of you. There are so many offers on the purchase of Myntra, Ola, Grofers, Yatra and Zomato.
The joining fee of the card is 49 p.m and the renewal fee is also the same. The minimum income is required for the credit card is rs 50,000 per month. We have brought exciting offers for you.
Cardholders will get 20% off on Myntra with no minimum spending up to rs 700.
10% off up to 150 transactions on Zomatoo five times in a month.
On the hotel booking on the Yatra one in a year of rs 10,000, 10% off.
Even free movie tickets at INDX movies.
HSBC Cashback Credit Card
Do you Often do shopping? If yes then it is a suitable credit card for you with unlimited offers and benefits. Because it gives you huge cashback on most all the transactions, let’s find some more details about this card. HSBC Cashback Credit card joining fee is nill and its renewal fee is rs 750 including GST. For the eligibility for this card minimum income is required 400,000 per annum.
1.5% cashback on all the online shopping except wallet
Zero joining fee, 1% cashback on all the transactions.
You will be happy to know that cardholders receive cashback on EMI also, 15% discounts on the partnered restaurants.
You can have access to 3 domestic or international airport lounges including several gift vouchers and benefits.
HDFC Bank Diners Club Privilege
It is known as all-rounders credit card, it must have got your attention, that is one of the unique and most applied cards ever. Because this card contains lots of benefits with itself. You can make capital of this credit card and avail all the services.
The joining fee of the card is 2500 and the annual fee is also 2500, your minimum income is required rs 700,000 per month then you will be eligible for the card.
It provides you best offers for shopping, travel, gold and premium lifestyle, and special vouchers from spas, salons and gyms.
Rs 1 crore Air accident cover.
Heavy discounts on spas, salons, gyms and more.
The cardholder will get the membership of Amazon pro, MMT Black, Times Prime and big Basket Star on the spending of 75,000 with 90 days from your card insurance.
Holders will be able to get the credit liability of 9 lakh and the best is a low foreign currency conversion fee of 1.99%.