Well, Credit cards are the essential part of our lives. Some of you may disagree but it have a lot of benefits if we spend amount in a right manner and pay bills at the right time. No cost EMI, redemption of rewards points, Instant cashbacks at E-commerce Sites like amazon, Flipkart makes a credit cards very popular in todays Era. Now I will tell you about some of the best credit cards in india 2020. This review also includes best premium credit cards in india. I am using almost every card and I will suggest you to try these if you are not using any one from them

I will put HDFC at first because its really having a good experience to me as a Card holder. This Is one of the best Credit card in india for cashback. Many merchants offers Discounts and no cost Emi on this card. So in case you don’t have it, see the benefits and decide….

HDFC Millenia card

• 5% CashBack on shopping via PAYZAPP & SmartBUY
• 2.5% CashBack on all online spend
• 1% CashBack on all offline spends and Wallet reloads
• 8 Complimentary Airport Lounge Access Annually
• First Year Membership Fee – ₹1000+taxes
• Spend ₹1,00,000 in 12 Months and get Renewal Fee waived for next renewal year

• 

• HDFC Infinia Credit card
• Complimentary one-year Club Marriott membership
• Unlimited airport lounge access across the globe
• 5 Reward Points for every ₹ 150 spent
• Complimentary Airport Lounge Access
• First Year Membership Fee: 10,000 + GST
• Renewal Fee: 10,000 + GST (Will be waived off for spends of 8 lakhs and more in the preceding 12 months)

• 

SBI CARD ELITE

• Welcome gift worth rs.5000.( Choose from an array of travel and lifestyle brands)
• Free Movie Tickets worth Rs. 6,000 every year
• 6 complimentary Airport Lounge visits per calendar year, outside India
• 2 complimentary Domestic Airport Lounge visits every quarter in India
• Annual Fee-4999+ taxes

• 

SBI CARD PRIME

This one comes after HDFC, this is a budgeted card with a budgeted annual fee (3000 rs.) with unlimited benefits. This is a one of the best premium credit card in india 2020. which will provide you lots of instant discount at many platforms. Its features are here below-

• Welcome e-Gift Voucher worth Rs. 3,000 on joining
• 10 Reward Points per Rs. 100 spent on Dining, Groceries, Departmental stores and Movies
• Complimentary International and Domestic Airport Lounge access
• Get 20 Reward Points per Rs. 100 spent
• E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
• Renewal fee- 2999+taxes.

• 

Sbi simply Click credit card is best credit card in india for shopping and for Salaried persons. wanna know how? look at the offers and benefits-

• Amazon.in Gift Card worth Rs. 500 on joining
• 5X Reward Points on online spends
• 10X Reward Points on online spends with exclusive partners
• E-vouchers worth Rs.2000 on annual online spends of Rs.1 Lakh and Rs.2 Lakhs each
• RENEWAL FEE-499.

• 

Standard Chartered Manhattan platinum Credit card

If you are looking for best credit cards in india for lounge access, than this credit card of standard manhattan is best credit card in india. This will provide you lounge access on International airport too.

• 5% cashback on supermarkets and departmental stores
• Earn 3x reward points per Rs150 spent on other categories
• Special offer on Grofers worth rs.200
• Joining fee-999 which can be waived by spending min.120000 in a year.

• 

Standard chartered Digi smart credit card

This is a Premium card by standard Chartered, which provides us lots of benefits. it is one of the best corporate credit cards in india. As u know, you have to pay what you spend in 45 days, enjoy this credit card.

• 20% off* at Myntra with no minimum spends.
• 10% Off* on Grofers with no minimum spends.
• 10% discount* on Zomato with no minimum spends
• Buy One Get One movie ticket free* at inoxmovies.com
• 15% cashback on Ola cabs. Maximum Cashback of INR 600.
• Get upto 25% discount* at yatra
• Monthly fee of rs.49 is applicable which can be waived off by spending 5000.

ICICI BANK CORAL CREDIT CARD

Well as you know, ICICI bank never fails to amaze us, same happens here, with this Coral card, ICICI Cameback in Credit card business and put itself in Competition with others. if you ask me what are the top 5 credit cards in india, i will include coral credit card in it.Coral cards are of three types-

1. Coram American express
2. Coral master visa card
3. Coral Contactless card

its features are-

1. Earn up to 10,000 bonus PAYBACK points every anniversary year.
2. Get the all new feature of one complimentary domestic railway lounge visit per quarter.
3. Complimentary access to select airport lounges in India, courtesy of American Express
4. 2X rewards on online spends.
5. 2 complimentary movie tickets every month under the Buy One Get One free offer through www.bookmyshow.com
6. Minimum 15% savings on dining bills at over 2500+ restaurants across India through the Culinary Treats Programme
7. Joining fee-500+gst

Well, If you watch movies in Multiplex, This can be very useful to you. Dude, 2 tickets every month, Grab them Asap. Jokes apart, Coral is One of the best product by ICICI Bank.

Amazon Pay ICICI BANK CREDIT CARD

In association with Amazon, ICICI bank launched this card, main benefit of this card is you can avail discount on Amazon shopping site almost every time. it is one of the best credit card in india with no annual fee.

• No joining fee or annual fee
• Earn 5% back on Amazon.in for Amazon Prime customers
• Earn 3% back on Amazon.in for non-prime customers
• Earn 2% back on 100+ Amazon Pay partner merchants using this card on Amazon Pay as payment method

Citi PremierMiles Credit card

If you travels a lot, this can be very beneficial for you, it provides you many travel benefits via Frequent flyer programme and Complimentary access to Airport lounges across the Globe.

• Annual fee-3000
• Spend Rs. 1,000 or more within 60 days of card issuance and get 10,000 Bonus Miles
• Get additional 3,000 Miles on card renewa
• Earn 10 Miles for every Rs. 100 on transactions made with any airline in the world.

So, these were the best Credit cards in my point of view. Some of you can suggest others in Comment section if you find others cards better than any of these. It is my personal opinion. If you are going to apply credit card, then apply it through official sites, don’t give your personal information at any other sites.

Elibility of getting Credit cards is differ from bank to bank. If you are having a good Income, it can help in getting these cards. Normally INCOME TAX RETURNS, having a income of 350000+  can approve your card easily. If You need any help regarding Income Tax Returns, you can write us at-info@taxadvisory.in or visit www.taxadvisory.in