best credit card offers in india

Best cashback and rewards credit cards in India 2019

With the invention of credit cards, shopping has become easier and more convenient. We don’t need to carry cash in our wallet. All you need to do is a swipe.

Credit cards also offer customers benefits in the form of rewards or cashback. It is a difficult task to choose a card that gets us maximum benefit. In the cashback scheme, you will get cashback on your spends. You get a predetermined percentage of cashback into your credit card account.

In the rewards scheme, depending on the card that you have, points will be rewarded on your spend.

I have tried to create a list of the Best cashback and rewards credit card in India of different categories like- Best Travel Credit card, Best Cashback Credit Card, etc.

Click on the link below to get detailed information of my best personal credit cards.

I have 8 credit cards that I found are the best cashback and rewards credit card in India and offers a good deal. Check this list of best cashback and reward credit cards in India.

1. Standard Chartered Manhattan Card

Best Cashback Credit Card

This card is my personal favorite and also this was my first card. I have this card for the last 7 years.

People spend money on grocery and most people in metro cities buy groceries from Reliance, Easy Day, More, Spenser’s or Big Bazaar.

Standard Chartered Manhattan card will offer a 5% cashback on your grocery spends.

This is the only card that offers 5% cashback on grocery spends at supermarkets & department stores.

Users will get 5x rewards when you use your credit card to pay for Hotels, Dining, Airline ticket reservations, and Fuel. You can earn up to Rs 500 as cashback every month and Rs 150 per transaction. The annual fee of Standard Chartered Manhattan card is Rs 999.

This annual fee can also be waived off if you maintain a good payment term and talk to customer care.

If you want to know how you can save money using credit cards, read this

2. American Express Gold Card

Gold Card

For using your card 4 times on transactions of Rs 1,000 and above every month you will get 1,000 bonus membership rewards points. The annual fee of American Express Gold card for the first year is Rs 1000, from the second year onwards it will be Rs 4,500.

  1. Welcome gift of 4,000 Membership Rewards Point after first 3 spends in 60 days.
  2. 1 MR point on Rs 50 spent on all spends except for spend on fuel, insurance, utilities, and cash transactions.
  3. As it is a charged card there is no predefined credit limit
  4. Up to 20% off at selected restaurants.
  5. Redeem from 18 carats and 24-carat gold collection.
  6. You can earn 5000 MR Points on renewal for the second year.

Note: You can apply from this link and get a 2000 bonus point upon card approval. Link

3. SBI Simply Click Credit Card 

simply sbi click

SBI Simply Click Credit Card is the best option if you are an online shopaholic. A lot of offers from Amazon, Flipkart, Makemytrip, Cleartrip, and many more vendors can be availed using this card. The annual fee of this card is 499. It will be waived off if you spend 1 lakh amount per year from the date of approval.

Other benefits include:

  1. 10X rewards on online spends – Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA and more.
  2. 5X rewards on all other online shopping.
  3. A welcome e-gift voucher worth Rs 500 from Amazon for the new user
  4. 2.5% fuel surcharge waiver (on 500+ transaction amount)
  5. Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs. 1 Lakh (one more 2000 e-voucher on another 1Lakh milestone).

4. Citi Bank Cashback Credit Card 

citi bank credit card

Citi Bank Cashback Credit Card is best suitable for movie lovers. If you watch movies and pay your bills online this card will be an asset to you.

The annual fee of Citi Bank Cashback Credit card is Rs 500. You can also earn 5% cashback on movie tickets, 5% cashback on telephone bill payments, 5% cashback on utility bill payments, 0.5% cashback on all other spends.

5. SBI Signature Credit Card (Elite) 

SBI Signature card comes has an annual fee of 4,999 including welcome gifts worth 4,999. Benefits of SBI Signature card users include:

  1. You can earn benefits worth Rs30,000 every year.
  2. A welcome gift worth Rs 5,000.
  3. You will get 2 Free movie tickets every month from Bookmyshow.
  4. 10 points per Rs 100 spent on dining, departmental stores, grocery & international spends.
  5. 2 points per Rs 100 spent on others.
  6. Signature contactless advantage.
  7. You will earn 10,000 bonus reward points on achieving annual spends of Rs 2 lakhs, 3 lakhs, and 4 lakhs
  8. The user will get 20,000 bonus reward points on crossing annual spends of Rs 5 lakhs.
  9. 1 Reward Point = Rs 0.25.

6. American Express Platinum Travel Card 

American Express Travel

American Express Platinum Travel card has the best offers for frequent travelers. Annual fee of this card for the first year Rs 3,500. From the second year, it will be onwards Rs 5,000 to a bunch of offers from the online shopping portals with decent bonus reward points.

  1. Welcome gift of 5,000 milestone bonus membership rewards points redeemable for IndiGo Vouchers worth Rs 4000.
  2. By spending Rs 1.90 lakhs in a year you will get IndiGo vouchers worth more than Rs. 7,700.
  3. Spend Rs 4 lakhs in a year to get IndiGo vouchers worth more than Rs. 11,800. You will also get a voucher worth Rs 10,000 from the Taj group.
  4. You can have up to 3 Amex cards at a time.
  5. Customers can reap out a maximum benefit if you travel by IndiGo because most of the redemption can be done with IndiGo partners only.

7. HDFC Bank MoneyBack Card

hdfc moneyback card

HDFC Moneyback card is one of the excellent cashback cards. The key benefits of this card include Lifetime free pricing. (limited offer)

  1. 1,000 reward points on activation through PayZapp.
  2. 1,000 Reward points = Rs. 40
  3. 2 Reward points on every Rs 150 spent on retail.
  4. 6 Reward points on online purchases.
  5. Zero lost card liability post reporting.

8. ICICI Amazon Pay Credit Card {For Beginners} 

amazon icici

Benefits :

  • Earn 5% back on Amazon India for Amazon Prime customers.
  • Earn 3% back on Amazon India for non-prime customers.
  • Earn 2% back on 100+ Amazon Pay partner merchants using this card on Amazon Pay as payment method.
  • Earn 1% back on all other payments.

Fees :

No Joining Fees, No Annual Fees.

Catch: you will receive all cashback as amazon pay balance only.

It is the best credit card for first-time credit card users, you have nothing to lose if you have this credit card

Best Travel Credit Card

Card Name Free Flight Tickets worth Rs.15,000
American Express® Platinum Travel Credit Card Spend Rs.4 lakhs/year on card
Axis Bank Miles Privilege Credit Card Spend Rs.7.5 lakhs/year on the card
CITI PREMIERMILES® CREDIT CARD Spend Rs.9 lakhs/year on card

High-level details on how the rewards work:

Card Name Annual Fees Earning
American Express® Platinum Travel Credit Card ₹5,000 Spend Rs. 1.90 Lacs in a year and you can get Travel Vouchers worth more Rs. 7,700
Spend Rs. 4 Lacs in a year and additionally, you can get Travel Vouchers worth Rs. 11,800
Axis Bank Miles Privilege Credit Card ₹1,500  Yatra Vouchers worth Rs. 5,000 every time Rs. 2,50,000 is spent on the card
CITI PREMIERMILES® CREDIT CARD ₹3,000 Earn 4 Miles for every Rs.100 spent

Conclusion: This is my personal list of best credit card offers in india. There are many credit cards available in the market with really good benefits. You should always choose what are your shopping needs and where you can use your credit in the best possible way to get the maximum of cashback and reward points.

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