2 min read
05 Jan 2021

It is imperative that you choose a credit card wisely. Depending on the customer’s lifestyle and spending pattern, the best credit card can offer a wide range of benefits while enabling the cardholder to save more on their purchases. Financial institutions today provide multiple types of credit cards tailored to different lifestyles. You must compare the best credit cards in India available in the market and choose a card that fits your lifestyle and spending habits. This way, you can be assured of getting the most out of your credit card, either through reward points, cashbacks and discounts, or other co-branded benefits.

Best credit cards in 2023

Here are some best credit cards to apply in 2023

There are many credit cards loaded with a range of perks but the best credit cards must fit into your lifestyle atravelersending patterns. Some cards be perfect for travellers, while others would be apt for high household spending. Listed below are some of the top credit cards in 2023.

Credit card name

Joining fees

Annual fees

Suitable for

Application

Bajaj Finserv RBL Bank Platinum Choice SuperCard

Rs. 499+GST

Rs. 499+GST

Welcome rewards

Apply Now

Bajaj Finserv RBL Bank Platinum Choice First Year Free SuperCard

Nil

Rs. 499+GST

Annual fee waiver

Apply Now

Bajaj Finserv RBL Bank Platinum Plus SuperCard

Rs. 999+GST

Rs. 999+GST

Offer on movie tickets

Apply Now

Bajaj Finserv RBL Bank World Prime SuperCard

Rs. 2,999+GST

Rs. 2,999+GST

Rewards on online spends

Apply Now

Bajaj Finserv RBL Bank World Plus SuperCard

Rs. 4,999+GST

Rs. 4,999+GST

Rewards on regular spends

Apply Now

Bajaj Finserv RBL Bank Travel Easy SuperCard

Rs. 999+GST

Rs. 999+GST

Cashback on travels

Apply Now

Bajaj Finserv RBL Bank Value Plus SuperCard

Rs. 499+GST

Rs. 499+GST

Cashback on fuel spends

Apply Now

Bajaj Finserv RBL Bank Platinum ShopDaily SuperCard

Rs. 499+GST

Rs. 499+GST

Cashback on grocery shopping

Apply Now

Bajaj Finserv RBL Binge Supercard First Year Free

NIL

999 + GST

Offer on movie tickets

Apply Now

 

Credit card name

Joining fees

Annual fees

Suitable for

Application

Bajaj Finserv RBL Bank Platinum Choice SuperCard

Rs. 499+GST

Rs. 499+GST

Welcome rewards

Apply Now

Bajaj Finserv RBL Bank Platinum Choice First Year Free SuperCard

Nil

Rs. 499+GST

Annual fee waiver

Bajaj Finserv RBL Bank Platinum Plus SuperCard

Rs. 999+GST

Rs. 999+GST

Offer on movie tickets

Bajaj Finserv RBL Bank World Prime SuperCard

Rs. 2,999+GST

Rs. 2,999+GST

Rewards on online spends

Bajaj Finserv RBL Bank World Plus SuperCard

Rs. 4,999+GST

Rs. 4,999+GST

Rewards on regular spends

Bajaj Finserv RBL Bank Travel Easy SuperCard

Rs. 999+GST

Rs. 999+GST

Cashback on travels

Bajaj Finserv RBL Bank Value Plus SuperCard

Rs. 499+GST

Rs. 499+GST

Cashback on fuel spends

Bajaj Finserv RBL Bank Platinum ShopDaily SuperCard

Rs. 499+GST

Rs. 499+GST

Cashback on grocery shopping

Bajaj Finserv RBL Binge Supercard First Year Free

NIL

999 + GST

Offer on movie tickets

 

For instance, while some issuers may promote the best credit card in India with no annual fees, others waive off the joining fees when your annual spending meets a threshold amount. What’s more, you can find a credit card tailored to your profession or spending habits too, like a fuel card, a travel card, a doctor’s card and more. However, you may be looking for an all-rounder or the best free credit card in India. Fortunately, with some research, you can successfully choose the best credit card in India that matches your needs.

Take note of the following pointers when comparing top credit cards in India.

Which bank credit card is best?

Issuers offer different types of credit cards that are tailored to meet specific needs. For instance, a fuel card provides a surcharge waiver and gives you extra reward points on refuelling your motor vehicle. On the other hand, a shopping card extends attractive discounts, cashbacks, and rewards when you use it to pay for groceries, lifestyle, and other related expenses. If you have a specific spending habit, your best bet would be to avail of a card that meets your needs.

However, if you don’t, the best credit card for you would be the one that offers rewards and discounts on each or most transactions. The Bajaj Finserv RBL Bank Credit Cardis one such card that offers reward points on every transaction you make using it. From travel booking to hotel stays, from paying for fuel and appliances to gadgets, clothes and groceries, you can use this credit card to pay for any expense and enjoy amazing discounts, rewards, and offers that give you maximum bang for your buck.

Choose a credit card that lets you withdraw cash at nominal charges

Though credit cards are widely accepted, you still need cash, which leaves you no option in certain places but to withdraw some money using your credit card. When you do this, the issuer charges a processing fee plus high interest on the transaction amount, which adds to your expenses. But with SuperCard, you can withdraw the required cash from ATMs across the country, and you don’t have to pay any interest for 50 days. This way, you can meet your need for emergency cash without paying any cost. Look for a credit card that offers you a similar advantage, so keep your costs low.

Choose a credit card that allows you to make big-ticket purchases on EMI

While all credit cards boost your purchasing power by allowing you to make big-ticket purchases on credit, only certain good credit cards in India offer an EMI option. Without this option, repayment becomes burdensome as you may have shopped for multiple appliances during the same credit card billing cycle during the festive season. Not repaying the entire sum spent may lead to high-interest penalties.

Thankfully, with the SuperCard, you enjoy EMI financing option and discounts on purchases that you make from Bajaj Finserv partner stores. This not only makes for delightful purchases but also easy repayment.

Now that you know how to choose the best credit card in India and the features that make the SuperCard one of the top credit cards in India, apply for one today. To get started, check your pre-approved offer from Bajaj Finserv to benefit from a customised deal and enjoy one-step hassle-free online approval. Once approved, you can unlock the many benefits that SuperCard offers.


Bajaj Finserv RBL Bank Platinum Choice SuperCard

  • Get 2,000 welcome reward points on spending Rs. 2,000 within 30 days of card issuance
  • Get 1 reward point on every Rs. 100 spent on shopping
  • 2X reward points on online spends
  • Get fuel surcharge waiver up to Rs. 100 per month
  • Annual savings up to Rs. 3,775 

Bajaj Finserv RBL Bank Platinum Choice First Year Free SuperCard

  • No joining fee for the first year
  • Get 10% off on movie tickets on BookMyShow
  • 2X rewards points on online spends
  • Annual savings of up to Rs. 3,275

Bajaj Finserv RBL Bank Platinum Plus SuperCard

  • Get 4,000 welcome reward points upon spending Rs. 2,000 within 30 days of card issuance
  • 2 complimentary domestic airport lounge access in a year
  • Get fuel surcharge waiver up to Rs. 100 per month
  • Spend Rs. 1,00,000 in a year and get the next year’s annual fee waived off

Bajaj Finserv RBL Bank World Prime SuperCard

  • Get 12,000 reward points on spending Rs. 2,000 within 30 days of card issuance
  • Get 1+1 movie ticket on BookMyShow, twice a month (any day of the week)
  • Get 8 complementary airport lounge access
  • Annnual savings up to Rs. 28,000

Bajaj Finserv RBL Bank World Plus SuperCard

  • Get 8 complementary airport lounge access
  • Get 20,000 reward points on spending Rs. 2,000 within 30 days of card issuance
  • Annual savings of up to Rs. 55,000
  • Inerest-free cash withdrawal for up to 50 days

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While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. In case any inconsistencies observed, please click on reach us.

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FAQ

Which bank is giving the best credit card?

There are a lot of financial institutions offering good credit cards but the cards under Bajaj Finserv RBL Bank SuperCard are the best for attractive cash back and reward points for your transaction. Some of the card variants like Binge SuperCard, Platinum Choice SuperCard, and Platinum Plus SuperCard offer benefits like Airport lounge access, free movie tickets, and more. What makes them best is also the cash withdrawal facility and emergency loan.

Which credit card in India has rewards program?

Bajaj Finserv co-branded credit cards offer high reward points on online spends. You can earn up to 20X rewards by using the Bajaj Finserv DBS Bank Credit Cards.

Do top credit cards have higher annual fees?

Some of the top credit cards in India have a high annual fee but some of the best co-branded credit cards offered by Bajaj Finance come with an annual fee waiver. This mean, you do not have to pay an annual fee to maintain the card.

Which credit card is the best for online shopping in India?

Bajaj Finserv RBL Bank Binge credit card, Bajaj Finserv DBS Bank 5X Plus Rewards credit card and Bajaj Finserv DBS Bank 7X Plus Rewards credit card are best for online shopping in India.

Which credit card in India offers the best travel benefits?

You can avail of complementary airport lounge access by using Bajaj Finserv co-branded credit cards. Some of the cards that you can explore are 10X Signautre credit card, 7X rewards credit card, 5X reward credit cards.

Which type of credit card is best in India?

The credit cards that are packed with perks for spending on online platforms and offline stores are the best credit cards in India. These cards offer high reward points, cash backs, discounts and complementary lounge access are best suited.

How can I select the most suitable credit card for my requirements in India?

Selecting a suitable credit card for your requirements in India involves considering various factors that align with your spending habits, financial goals, and lifestyle.

Do any credit cards in India provide exclusive discounts and offers?

Yes, many credit cards in India offer exclusive discounts and offers to cardholders. These discounts and offers can vary widely depending on the credit card issuer and the type of card you have.

What are the associated charges and fees for credit cards in India?

Credit card charges and fees in India can vary depending on the type of card you have, the issuer, and the specific terms and conditions. Here are some common charges and fees associated with credit cards in India:

  1. Annual fee: This is the fee charged annually for holding the credit card. Some cards might have a waived or reduced first-year fee.
  2. Joining fee: This is a one-time fee charged when you first apply for the credit card.
  3. Interest charges: If you don't pay the full outstanding amount by the due date, you'll incur interest charges on the remaining balance.
  4. Late payment fee: If you fail to make the minimum payment by the due date, a late payment fee will be charged.
  5. Overlimit fee: If you exceed your credit limit, an overlimit fee might be applied.
  6. Card replacement fee: If you need a replacement card due to loss or damage, a fee might be charged.
  7. Service tax/GST: Applicable taxes might be added to certain fees and charges.
  8. Redemption fee: Some reward programs might charge a fee for redeeming your rewards points for certain benefits.
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