22+ Greatest Credit score Playing cards in India for 2022 [Detailed Reviews] – CardExpert


On the lookout for the greatest bank cards in India for 2022 to fit your wants? You’re on the proper place. Whether or not you need cashback, lounge entry, free meals, resort stays or enterprise class tickets, you’ll find all the things right here.

I’ve analysed 100+ bank cards throughout numerous banks and compiled a listing of twenty-two+ greatest bank cards for 2022 based mostly on numerous person segments as under,

  • Entry Degree Credit score Playing cards
  • Premium Credit score Playing cards
  • Journey Credit score Playing cards
  • Tremendous Premium Credit score Playing cards

With about 10+ energetic bank cards in my pockets, the under record covers a lot of the playing cards that I personally use and much more. Let’s start with entry-level bank cards,

Entry Degree Credit score Playing cards

  • Urged earnings: 4 Lakhs+
  • Urged spend: 1 Lakhs+

Entry-Degree bank cards, additionally known as as bank cards for inexperienced persons are these playing cards which can be focused at first-time bank card customers.

Right here’s a fast take a look at a few of the greatest bank cards in India for inexperienced persons in 2022.

Credit score Card Becoming a member of Charge Reward Price Reward Sort
HDFC Millennia FYF 1% Cashback
Axis Ace FREE 2% Cashback
Amex MRCC n/a 1% Rewards
RBL Zomato Traditional FREE 1.5% – 10% Zomato Credit
Axis Flipkart FREE 1.5% – 5% Cashback
ICICI Amazon Pay FREE 1% – 5% Amazon Credit

HDFC Millennia Credit score Card

HDFC Millennia Credit Card
  • Greatest for: Service provider affords & Cashback

In case you’re new to the world of bank cards, you haven’t any cause to skip the HDFC Millennia bank card. That’s relevant it doesn’t matter what different card you get.

You get entry to HDFC service provider affords, first rate rewards with easier t&c after the current replace.

It helps to construct a relationship with financial institution as a way to finally get entry to premium and tremendous premium HDFC Bank cards.

Axis Ace Credit score Card

Axis Ace Credit Card

A neat and easy bank card that provides 2% cashback on all of your common spends. This HOT choose of 2021 beats many premium playing cards in relation to reward fee and it continues its place in 2022 as properly.

The issue with Axis is nevertheless poor tech & low credit score restrict points. I hope it will get higher this yr.

Amex MRCC

Amex MRCC

American Specific Membership Rewards Credit score Card (MRCC) is one of the simplest ways to get into the world of Amex. In case you use this card simply to get the 1000 MR bonus factors month-to-month, you’ll be able to simply get a return of greater than 10%.

Other than that, additionally, you will get entry to the wonderful Amex Affords (service provider affords & spend based mostly affords) that are very profitable more often than not.

RBL Zomato Credit score Card

RBL Zomato Credit Card

If FREE meals is one thing in your thoughts, RBL Zomato Traditional Bank card is all that you simply want. It’s one of many quickest to get accepted, even with out RBL financial institution a/c.

Ideally everybody will get entry to the cardboard on/earlier than March 2022.

Axis Flipkart Credit score Card

Axis Flipkart Credit Card
  • Greatest for: Flipkart Affords + 5% on spends

In case you store usually on Flipkart, you shouldn’t be lacking out on this co-branded bank card, as you’ll be able to avail each the Flipkart affords and the 5% cashback.

ICICI Amazon Pay Credit score Card

ICICI Amazon Pay Credit Card
  • Greatest for: Amazon Affords + upto 5% on spends

In case you store regularly on Amazon and if you happen to’re an Amazon Prime buyer, you can’t afford to overlook this excellent card.

Premium Credit score Playing cards

  • Urged earnings vary: 12 Lakhs+
  • Urged spend vary: 5 Lakhs+

Premium bank cards comes into image when your life-style has a pinch of luxurious issue to it. It comes with extra journey advantages like home and worldwide lounge entry, higher reward fee, and so on. 

Credit score Card Becoming a member of Charge Reward Price Reward Sort
BOB Eterna 2500 INR 0.75% – 3.75% Cashback
IndusInd Pinnacle 15,000 INR 2.5% Cashback
HDFC Regalia 1.3% – 5% Rewards
IDFC First Choose 0.75% – 2.5% Cashback (or) Vouchers

BOB Eterna

BOB Eterna Credit Card

If most of your spends are on-line and aren’t exceeding 40K a month, you shouldn’t be lacking this wonderful product. The issue nevertheless is that you simply’ll have to accept a not-so-great premium buyer assist.

IndusInd Pinnacle

IndusInd Pinnacle Credit Card

In case you’re spending rather a lot on-line, take into account getting Indusind Pinnacle Bank card. It not too long ago gained consideration from 2020 resulting from higher availability with low becoming a member of charge & welcome advantages.

Furthermore as pandemic has places a stress on journey rewards, stmt. credit score look lot higher for some.

HDFC Regalia

HDFC Regalia Credit Card
HDFC Financial institution Regalia Credit score Card

Crucial good thing about this card aside from rewards & service provider affords is the power to get Precedence Cross for relations which additionally shares the complimentary lounge entry restrict.

It’s an enormous cash saver in that side, for many who can’t get HDFC Tremendous Premium bank cards.

IDFC First Choose

IDFC First Select Credit Card

IDFC Bank cards are fairly fascinating to match with different playing cards within the record. As a result of it will probably function an entry degree card, premium or perhaps a tremendous premium card (wealth/personal) .

Nevertheless, this card will reward you good solely when your spends are above 1 Lakh in a billing cycle, in order that your reward fee is round ~2%. In case your month-to-month spends are larger, you shouldn’t be lacking this HOT choose of 2022.

Journey Credit score Playing cards

  • Urged earnings vary: 12 Lakhs+
  • Urged spend vary: 4 – 8 Lakhs

When your life has good quantity of journey, that’s when it is advisable have these unique Journey bank cards.

Journey bank cards are designed in such a manner that you simply get journey vouchers/factors as a substitute of cashback.

Credit score Card Becoming a member of Charge Reward Price Reward Sort
Amex Platinum Journey 4,000 INR ~7% Rewards
Axis Magnus 10,000 INR 1.25% Rewards
SBI IRCTC Platinum 500 INR ~2% Rewards
Axis Vistara Infinite 10,000 INR ~10% Vouchers & Airmiles
SBI Air India Signature 10,000 INR ~5% Air miles
SBI Etihad 5,000 INR ~2% Vouchers & Air miles
Kotak Indigo XL 1500 INR 2% Indigo Rewards

Additionally keep in mind that, most Premium & Tremendous Premium Credit score Playing cards function a journey card in some ways.

Amex Platinum Journey

Amex Plat Travel credit card
  • Greatest for: Accumulating Taj Vouchers

American Specific Platinum Journey card is the perfect journey bank card within the nation, palms down! It nonetheless stands good even after the current adjustments in redemption choices. 

I personally take pleasure in utilizing this card because it helps me to remain at one distinctive Taj property yearly through the use of the complimentary Taj Vouchers.

Axis Magnus

axis magnus credit card
  • Greatest for: Airport meet & greet companies

Axis Magnus offers you new airport experiences, like breezing by airport queues with their complimentary airpot meet & greet companies, which is extremely helpful at occasions like this.

SBI IRCTC Platinum

SBI IRCTC Platinum Card

With SBI IRCTC bank card, you’ve an opportunity to avoid wasting upto 10% in your prepare tickets and redeem them again for prepare journeys. In case you journey by Indian railways fairly often (40+ journeys yearly), take into account going for this card.

Axis Vistara Infinite

Axis Vistara Infinite Credit Card

The First yr free provide (prolonged for now) on this card just isn’t one thing you’ll be able to afford to overlook. The return on spend that this card offers you remains to be thoughts blowing.

However the subject these days is that the service is general degrading. Additionally, the award seats are getting harder to ebook through vouchers in busy sectors like DEL/BOM.

I’m anticipating this to get higher as airways are again on monitor with full capability, however we might want to wait and watch on this.

SBI Air India Signature

SBI Air India Signature Credit Card

In case your journey includes flying Air India for no matter cause, you shouldn’t be skipping this product. It calls for excessive spends, however decently rewarding.

Additionally, with the change in possession I’m hoping issues to get higher in 2022 and past .

SBI Etihad Premier

SBI Etihad Premier Credit Card
  • Greatest for: companion ticket profit

It’s a sophisticated product for many, because it calls for excessive spends, extra flexibility and lots of analysis to search out the perfect route.

In case you can redeem the companion ticket for a long-haul enterprise (or) top quality by holding above issues in thoughts, you’ll be able to simply save few lakhs.

Kotak Indigo Ka-ching XL

kotak indigo ka-ching xl Credit Card
  • Greatest for: Flying Indigo Airways

Not a beautiful card per se, as you’ll be able to anyway get 2% rewards on a typical entry degree card that’s out there for FREE. So why spend cash?

However if you happen to fly indigo usually, like greater than 20 flights a yr, it could make sense to discover the cardboard, assuming the redemption is easy.

Whereas the launch provide on XL variant is sort of good, the strict t&c on welcome profit is an enormous drawback.

Tremendous Premium Credit score Playing cards

  • Urged earnings vary: 25 Lakhs+
  • Urged spend vary: 10 Lakhs+

Tremendous premium bank cards are those who comes with larger reward fee, larger credit score restrict, limitless lounge entry, higher card linked advantages & many extra perks that you’d have to run a luxurious life-style.

Credit score Card Becoming a member of Charge Reward Price Reward Sort
HDFC Infinia 10,000 INR 3.3% Rewards
HDFC Diners Black 10,000 INR 3.3% Rewards
Amex Plat Cost 60,000 INR 1.25% – 2.5% Rewards
Stan C Final 5,000 INR 3.3% Buying Vouchers

HDFC Infinia

HDFC Infinia Credit Card

Infinia is everybody’s dream, with out an exception. It has all the things one would ever want. In case you are searching for a single bank card for all of your spends, it’s going to be this ONE.

With its profitable 10X rewards program (Smartbuy), its undoubtedly among the finest bank card in India, maybe on the planet.

HDFC Diners Black

HDFC Diners Black Credit Card

In case you don’t have the chance to seize Infinia, Diners Black is an efficient various. For a uncommon few, Diners Black is healthier than Infinia because it comes with month-to-month rewards & extra cap on spends with 10X Diners Retailers.

Solely draw back although is decrease acceptance of Diners playing cards in India in comparison with Visa/MasterCard, which implies, you must hold a backup card helpful.

Amex Plat Cost

Amex Platinum Charge Card

This card is totally completely different from another card that you simply see right here. That’s as a result of, this card offers you returns through advantages over rewards, like: resort privileges, concierge, top quality upgrades, premium assist, and so on.

That mentioned, all by 2020 & 2021 we’ve seen mind-blowing non-travel affords resulting from Covid. So, I’m anticipating the identical for the primary half of 2022 as properly, by the top of which each covid & the Amex ban is anticipated to get again to regular.

Stan C final

Stan C ultimate Credit Card

Similar to HDFC Infinia/Diners Black, Stan. C Final card too comes with candy 3.3% reward fee. The USP of this card is that you simply get reward factors on nearly ANY spend.

Be aware: Verify with SC department on Final Visa card as completely different sources have completely different solutions on new card issuance.

FAQ’s

Which is the perfect bank card in India for 2022?

Calculate your annual spend and select the playing cards from the record above.

What number of Credit score Playing cards can I’ve?

As a lot as you want. Begin with 2 playing cards if you happen to’re new to the system and improve the depend progressively based mostly in your spends. 5 playing cards is enough for many.

Which Credit score Card has greatest customer support?

Amex & Citi are a few of the greatest bank card issuers identified for his or her premium assist. You might also take pleasure in an identical remedy with any financial institution, so long as you’re taking their super-premium playing cards.

Which Financial institution Bank card is greatest in India?

HDFC Financial institution is the market chief and has excellent service provider affords as properly. So begin with HDFC and add others as per your requirement. Think about having one Amex card for a combination.

Which is greatest gas bank card?

None. Simply purchase HPCL reward playing cards or HP Paycode or HP Pay app utilizing any of your current playing cards. Works properly for many. You might also use Paytm Pockets.

What about Uni Card, Slice and different BNPL playing cards?

Uni Playing cards is healthier over slice resulting from assist and general person expertise. The service provider affords are good lately on most BNPL playing cards, however it’s like CRED, the affords are just for buying prospects.

Bottomline

I’ve ready the above record assuming a lot of the covid scene will cool down by April 2022 or so and therefore many journey playing cards entered the record this yr.

The thumb rule is to get most returns through: welcome vouchers, service provider affords, spend based mostly affords, card linked advantages & common spends. Chances are you’ll determine your card holding above in thoughts.

And to not neglect, bank card business in India is quickly altering as we’ve seen many new playing cards since previous 2 years. Chances are you’ll keep up to date with the pattern by subscribing to the FREE on the spot electronic mail alerts service.

In case you’re feeling the record is an excessive amount of to deal with, be at liberty to take my one-on-one bank card session service [there is an ongoing offer].

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