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Credit cards provide you with the ease of making purchases, even when you don’t have the funds, unlike a debit card. They also allow you an interest-free period, typically 15 to 50 days, to repay the dues and come with benefits like reward points, cashback, co-branded discounts, complimentary lounge access and more. Most credit cards come with benefits inclined towards one or more spending categories such as travel, shopping, fuel, etc. You can compare and apply for the top credit cards in India at Paisabazaar. Read on to know more.

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SBI Card
IndusInd Bank
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Standard Chartered Bank

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Best Credit Cards For

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Top Credit Cards for September 2023

Top 10 Credit Cards
Annual Fee
Best Suited For
Cashback SBI Card
Rs. 999
Cashback across all categories
Axis Bank Magnus Credit Card
Rs. 10,000
Travel & Rewards
Axis Ace Credit Card
Rs. 499
Standard Chartered Bank EaseMyTrip Credit Card
Rs. 350
Rs. 4,999
All-round Benefits
BPCL SBI Card Octane
Rs. 1,499
Flipkart Axis Bank Credit Card
Online Shopping
HDFC Diners Club Privilege
Rs. 2,500
Travel & Lifestyle
Amazon Pay ICICI Credit Card
Online Shopping

Cashback SBI Card is a new addition to the list of best cashback credit cards in India. It offers flat 5% cashback on all online purchases without any merchant or category restrictions, which makes it a great option for those who wish to get considerable value-back on their online shopping.

  • 5% cashback across all online spends without any merchant restrictions.
  • 1% cashback on all offline spends and utility bill payments
  • Cashback will be auto-credited to your card within 2 days of statement generation
  • 4 complimentary domestic lounge visits in a year.

Axis Bank Magnus Credit Card is a super premium card, offered to high-income groups with an annual income of Rs. 18 Lakh or more. The card offers all-rounder benefits across multiple categories such as movies, and dining, but primarily focuses on rewards and travel. A high reward rate, multiple redemption options, and higher redemption value make it a good card for earning great value back.

  • Choice of welcome benefit: One complimentary economy class ticket (up to Rs. 10,000) across any domestic location OR TataCLiQ voucher worth Rs. 10,000.
  • Unlimited complimentary international lounge visits with Priority Pass with 8 additional guest visits in a year.
  • Unlimited visits to domestic airport lounges
  • 8 complimentary end-to-end VIP services at the airport
  • Up to 40% discount at 4,000+ partner restaurants in India under the Dining Delights Program
  • Concierge service around health & wellness and travel

Axis Ace is the best credit card in India for cashback as it comes with the highest universal cashback rate of 2%. If you are not sure about the categories where you spend the most, a cashback card would be the right choice for you.

  • 5% cashback on bill payments and mobile recharges through Google Pay.
  • 4% cashback on Swiggy, Zomato and Ola
  • 2% cashback on all other spends
  • No maximum limit on the cashback earned
  • 4 complimentary lounge visits every calendar year