Best Credit Cards in India

A common man is always in a dilemma about how to choose a credit card best suited to his needs. A credit card which is right for one person might not be the best credit card for someone else. It finally boils down to which credit card offers maximum benefits at your income. With a multitude of parameters taken into consideration, it is often not easy enough to compare and analyze the pros and cons of a card, all by yourself. Therefore, to simplify it for you, we have compiled a list of 15 best credit cards in India. We have separated credit cards into different categories so that you can find a credit card suitable for your needs easily.

Card Name Type of Card Annual Fee Annual Bonus  
HSBC Visa Platinum Credit Card Zero Annual fee Nil INR 5250 Apply Now
Standard Chartered Platinum Rewards Credit Card Zero Annual Fee INR 250 which gets waived off easily INR 2000 Apply Now
 Citi PremierMiles Credit Card  Travel  INR 3,000+GST  13,000 bonus points Apply Now
Standard Chartered Manhattan Credit Card Entry- level card for Cashback Joining Fee: INR 499 Renewal Fee from second year onwards: INR 999 INR 1000 Apply Now
Citibank Cash back Credit Card Entry- level card for salaried people INR 500 NIL Apply Now
Standard Chartered Super Value Titanium Credit Card Fuel INR 499 No Annual Fees for Premium Customers INR 1000  voucher and 500 reward points Apply Now
HDFC Bharat Cash Back Credit Card Fuel INR 500 every year Waived off you spend INR 20,000 a year NIL Apply Now
SBI Simply Click Credit Card Shopping INR 499 Waived off if you spend INR 1,0,0000 in one year INR 4750 Apply Now
Diner’s Club Black Credit Card Shopping Year 1: Membership Fee – INR 10,000 Renewal Fee: INR 5,000 15,000 Reward points Apply Now
Air India SBI Signature Credit Card Tavel INR 4,999 20,000-1,00,000 points Apply Now
HDFC Bank Infinia Credit Card Airport Lounge INR 10,000 NIL Apply Now
ICICI Bank Coral Credit Card Movies 1st Year: INR 1000 2nd Year: INR 500 INR 999 Apply Now
RBL Movies and More Credit Card Movies INR 1,000 15,000 Bonus reward points Apply Now
Standard Chartered Ultimate Visa Credit Card Premium Card INR 5,000 15,000 Bonus Reward Points Apply Now
Citi Prestige Credit Card Premium Card INR 20,000 20,000 Bonus Reward points Apply Now

Best Credit Cards in India with zero Annual Fee

HSBC Bank Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is an entry-level unsecured credit card for people with a minimum annual income of INR 4,00,000. Moreover, it is a great option when earning rewards is your topmost priority. The introductory rewards and welcome offers of this lifetime free card are noteworthy. Moreover, you become eligible for 5X Rewards on reaching milestone spend of INR 4,00,000.

Pros & Cons:

Reasons to Choose Reasons to Avoid
No joining and Annual Membership Fee Compulsory spend requirements  to qualify for rewards
Up to 5X rewards and movie tickets on meeting eligible spends Concierge services withdrawn.
Impressive Introductory benefits
Fuel Surcharge Waiver and Dining Privileges

Rewards & Benefits:

  • Earn 2 points for every INR 150
  • Up to 5X Rewards after crossing the spend amount of INR 400,000 in a year up to a maximum of Rs. 1,000,000 in a year
  • 3X Rewards on spends on dining, hotels and telecom spend categories for the first 12 months
  • Up to 15% discount at partner restaurants
  • 1% Fuel Surcharge Waiver up to a maximum of INR 250 a month
  • ICICI Lombard Insurance worth INR 3,00,000

Quick Figures:

Annual Fee  Nil
Annual Bonus  INR 5250
APR 39.6%
Minimum Requirements
 Minimum annual income of INR 4,00,000

Since this card comes with a high interest rate,  it is a great option only when you are responsible enough to make your credit card payments in full. Nevertheless, the 5X rewards and cash back benefits that you get with the HSBC Visa Platinum Card makes it our favourite pick for cards in this segment.

Standard Chartered Bank Platinum Rewards Card

The Standard Chartered Platinum Rewards card is our second pick in this segment due to the impressive benefits it offers. Although the Standard Chartered Rewards Card has an annual fee of INR 250, it gets waived off when you make a transaction within the first 90 days post the levy of annual fees. For those of you who take frequent Uber rides, this card offers a 20% cash back on every ride.  Additionally, you earn 5 reward points for every spend of INR 150 at fine dining outlets and petrol pumps. Welcome offers on this card should also be a reason to sign up for this card.

Pros & Cons:

Reasons to Choose Reasons to Avoid
A low Annual fee that gets waived off easily Limited cash back categories
Up to 5X rewards at fuel stations and dining outlets Slightly high interest rate
BookMyShow vouchers and reward points for signing up

Rewards & Benefits:

  • Save up to INR 600 on Uber rides every month
  • Earn 5 reward points for every INR 150 spent on dining and fuel with no monthly cap on the rewards earned
  • 1X Rewards on all other categories
  • 1500 bonus points on signing up
  • BookMyShow vouchers worth Rs. 500 on Card Set Up

Quick Figures:

Annual Fee INR 250 which gets waived off easily
Annual Bonus INR 2000
APR 41.88%
Minimum Requirements Should be a salaried employee

The Standard Chartered Platinum Rewards Card is almost a free credit card with great introductory reward points and cash back on Uber Rides. Moreover, this credit card is perfect for those who live in cities and take frequent uber rides. Furthermore, the 5X rewards on fine dining outlets and fuel stations should also be a reason to sign up for this card.

Best Entry-level cards for Salaried Employee

Standard Chartered Bank Manhattan Platinum Credit Card

The Standard Chartered Bank Manhattan Platinum Credit Card is a great all-rounder card for meeting everyday needs of people living in metros.  Although the Annual fee is fairly priced, Annual Percentage Rate is on the higher side compared to similar cards. With cash back offers across major Indian supermarkets and generous rewards on entertainment and dining, the Standard Chartered Manhattan Platinum is designed for the average urban dweller. Additionally, the most overlooked benefit of this card is probably, the 20% cash back on Uber rides up to Rs. 600 per month.

Pros & Cons:

Reasons to Choose Reasons to Avoid
A low Annual fee that gets waived off easily Limited cash back categories
Up to 5X rewards at fuel stations and dining outlets Slightly high interest rate
BookMyShow vouchers and reward points for signing up
20% cash back on Uber rides

Rewards/Benefits:

  • 5% cash back on major departmental stores and supermarkets
  • 20% cash back on Uber rides (up to INR 7200 a year)
  • 3 reward points on every spend of INR 150 in all other categories
  • Introductory bonus worth INR 1000

Quick Figures:

Annual Fee Year 1 - INR 499, Special Offer - Spend INR 30,000 in a year and get a waiver on your joining fee (Year 1) Year 2 onwards - INR 999, Special Offer -Spend INR 60,000 in a year and get a waiver on your renewal fee (Year 2 onwards)
Annual Bonus INR 500 voucher on BookMyShow INR 500 voucher on registering for mobile banking
APR 41.88%
Minimum Requirements Should be a salaried employee

With the Standard Chartered Bank Manhattan Platinum Credit Card, you can save up to INR 8650 a year. Furthermore, this card is the best entry- level card due to the unparalleled benefits it offers in the form of 5% cash back at supermarkets and 20% cash back on Uber. This card is perfect for you if you live in Tier 1 and Tier 2 cities.

Citibank Cash back Credit Card

The Citibank Cash back  Credit Card is perfect for people who just started out with their jobs.This credit card offers 5% cash back on movie purchases, telephone payments, utility bill payments and a 0.5% cash back on all other spends. Additionally, it offers 15% discounts on dining bills. However, this citi card does not provide any welcome gift. Nevertheless, the cash back benefits it offers compensates for the lack of welcome benefit.

Pros & Cons:

Reasons to Choose Reasons to Avoid
 5% Cash back on movies, telephone bills, utility payments  No welcome benefit
 Up to 15% dining discounts  High interest rate
 Low Annual Fee

Rewards & Benefits:

  • 5% Cash Back on movie ticket purchases, telephone bill payments and 5% Cash Back on all your utility bill payments made online through Citibank Online Bill Pay
  • 5% Cash Back on all your utility bill payments made online through Citibank Online Bill Pay
  • 0.5% Cash Back on all other spends
  • Up to 15% savings across participating restaurant

Quick Figures:

Annual Fee INR 500
Annual Bonus Nil
APR A variable interest rate ranging between 37.20% and 42.00% per annum
Minimum Requirements Should be a salaried employee

The Citibank Cash back credit card is great for all those people who prioritize cash back over rewards. Although there's no welcome offer, the cash back that you earn compensates for the lack of introductory benefits.

Best Credit Cards in India for Fuel & Utility

Standard Chartered Bank Super Value Titanium Card

The Standard Chartered Bank Super Value Titanium Card is the best card in the Indian market for fuel and utility payments. Moreover, this card comes with a low annual fee which can be waived off by meeting eligible spend requirements. The 5% cash back on fuel, utility payments and the 20%  cash back it offers make it the best card in this segment. Nevertheless, the rewards programme offered by this card is not very appealing. This card can be applied by any salaried employee with a stable monthly income.

Pros & Cons:

Reasons to Choose Reasons to Avoid
 5% Cashback on fuel, telephone bills, utility payments  Unappealing rewards programme
20% cash back on Uber High-interest rate
 Low Annual Fee

Rewards & Benefits:

  • 5% cash back on fuel (all petrol pumps), telephone bills and utility payments
  • 1 reward point on spending INR 150 in other categories
  • Enjoy 5x rewards for overseas point-of-sales spends and a complimentary Priority Pass allowing access to 1000+ airport lounges worldwide with one free usage per month. However, this feature is only for premium customers
  • Good Life Programme: Discounts and offers across dining, shopping, travel and many more on your credit car

Quick Figures:

Annual Fee Year 1: INR 499/- Spend INR 30,000 in a year and get a waiver of your joining fee (Year 1) Premium clients holding the Premium Super Value Titanium card will not be annual fees.
Annual Bonus 500 points on registering for online banking, BookMyShow voucher worth INR 1000
APR 41.88%
Minimum Requirements Should be a salaried employee.

This Standard Chartered Bank Credit Card is the best credit card in India for salaried employees if getting a cash back on fuel and utility is their goal.The only disadvantage of this card is its lacklustre rewards programme.

HDFC Bank Bharat Cash back Credit Card

The HDFC Bank Bharat Cash Back credit for people with low salaries or people who have just started their careers. This credit card offers 5% cash back on fuel spends, Bill pay and recharges. Moreover, this card is great for people who drive a lot because it offers both Fuel Surcharge Waiver and cash back on Fuel Spends. Additionally, it gives cash back on EMI, PayZapp and SmartBUY.

Pros & Cons:

Reasons to Choose Reasons to Avoid
 5% cash back on IRCTC, fuel spends, Bill pay and recharges  No welcome bonus
 Cash back on EMI, PayZapp, SmartBUY Cash back capped at INR 150
 Fuel Surcharge Waiver No incentive for rewards

Rewards & Benefits:

  • 5% CashBack on rail bookings through IRCTC website or mobile app
  • 5% CashBack on Fuel Spends
  • 5% CashBack on all Bill pay and recharges done using the Bharat CashBack card
  • Additionally enjoy 5% CashBack for all EasyEMI, PayZapp and SmartBUY transactions using the card
  • 1% Fuel Surcharge Waiver (capped at INR 250
  • Total savings INR 3000 a year

Quick Figures:

Annual Fee INR 500 every year Waived off if you spend INR  20000 in one year
Annual Bonus  Nil
APR 41.88%
Minimum Requirements For salaried employee: Gross Monthly Income> Rs 12,000 For self-employed: ITR > Rs 2 Lakhs per annum

The range of cash back options it provides is broader than Citi Cash back Card. However, the maximum cashback for the two different group of categories is capped at INR 150 each.Despite this limitation, the HDFC Bank Bharat Cash back credit Card is one of the best credit cards in India for fuel spends and utility payments.

Best Credit Cards in India for Shopping

SBI Simply Click Credit Card

The SBI Simply Click Credit Card is the best credit card in the market for online shopaholics.The SBI SimplyCLICK Credit Card offers 10x rewards on online shopping at sites like Amazon, ClearTrip, BookMyShow, etc. Furthermore, on all other e-commerce spends, rewards are at 5x. For any other spend, rewards are at 1x. Additionally, there are special discounts for first-time spends at BookMyShow, Urban Clap. The low Annual Fee and rewards combo makes it a sweet deal for first-time card users.

Pros & Cons:

Reasons to Choose Reasons to Avoid
10X and 5X rewards programme on partner e-commerce sites No discounts on  dining
 Milestone rewards High Interest Rate
 FlexiPay, Balance Transfer and Easy Money feature

Rewards & Benefits:

  • 10X Reward Points on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap
  • 5X rewards on all other online spends
  • Milestone rewards of INR 2000 on reaching milestone spend of INR 1,00,000
  • 1% Fuel Surcharge Waive
  • Welcome gift in the form of discounts on Urban Cla
  • The option of FlexiPay, Easy Mone

Quick Figures:

Annual Fee INR 499 Waived off if you spend INR 1,0,0000 in one year
Annual Bonus  INR 4750
APR 40.2%
Minimum Requirements Should be a salaried employee

The SBI SimplyCLICK Credit Card is a great option for first-time credit card users who want to get good rewards for online shopping for a low fee. Moreover, stay away from this card if you shop a lot at physical retail stores or if you expect to be not making full payments every month towards your credit card bills.

HDFC Bank Diner's Club Credit Card

The HDFC Bank Diner's Club Credit Card is a great option when it comes to earning rewards on retail spends. Besides earning 5X rewards on retail spends, you would earn 10X rewards on international spends. Additionally, this HDFC card offers unparalleled protection in terms of insurance coverage. Furthermore, you can redeem your points for hotel/flights.

Pros & Cons:

Reasons to Choose Reasons to Avoid
High Rewards on retail spends Difficult to get an approval
Insurance cover for Accident, lost card liability, medical expenses and travel Unacceptability at many places
Travel benefits, Concierge services and Golf privileges  High joining Fee
10X rewards on international spends

Rewards/Benefits:

  • Enjoy 10X Reward Point on International Spends
  • Air Accident Cover of INR 2 Crore
  • Emergency Medical Expenses Cover of up to INR 50 Lakh
  • Credit Liability Cover of up to 9 Lakh
  • Travel Insurance Cover of up to INR 55,000 on baggage delay/loss (Capped to USD 10 per hour restricted to 8 hours)
  • Reward Points for every INR 150/- retail spends
  • Concierge Service

Quick Figures:

Annual Fee First Year Membership Fee – INR 10,000 + Applicable Taxes Renewal Membership Fee – INR 5,000 + Applicable Taxes
Annual Bonus 10,000 reward points on joining and 5000 points on renewal
APR 23.88 %
Minimum Requirements For a salaried employee: Net Monthly Income > INR 1.75 Lakhs per month. For self-employed: ITR > INR 21 Lakhs per annum

The HDFC Diner's Black Card is perfect for all those who love to go for shopping at retail outlets and are frequent international travellers. The low foreign currency mark-up fee is also something that would attract you to this card. The only drawbacks of this card are its high annual fee, unacceptability while making payments and difficulty in getting an approval for this card.

Best Credit Cards in India for Travel

Citibank Premier Miles Credit Card

The Citibank PremierMiles Credit Card is one of the most popular travel credit cards for its all-rounder benefits on rewards, miles, redemptions across categories, excellent introductory benefits, and at least 6 access passes to airport lounges every quarter. Although the interest rate and the annual fee are a tad bit on the higher side, the introductory bonus does make up for it, thereby, making it your best travel partner.

Pros and Cons

Reasons to Choose Reasons to Avoid
Excellent Intro Benefits  and renewal bonus  High APR
No expiry date of accumulated reward points  No golf privileges
PremierMiles on every time you spend
Airport Lounge Access

Rewards & Benefits:

  • 10,000 points as an introductory bonus and 3000 points on renewal
  • 10 miles per INR 100 on flight tickets and hotel stays on Citi Premier Miles website
  • 6 or 8 visits to airport lounges depending on whether you have master or visa card
  • Never expiring miles
  • Fuel Surcharge Waiver at Indian Oil Petrol Pumps
  • 3% reward rate on airline spends
  • 15% discounts on dining

Quick Figures:

Annual Fee INR 3000 + GST
Annual Bonus 13,000 points
APR 37.20% to 42%
Minimum Requirements For a salaried employee: Net Monthly Income >INR 3,00,000 p.a.

The Citi PremierMiles Credit Card is a useful credit card for those who are seeking good air miles and airport lounge benefits. The annual fee and interest rate are on the higher side, but the introductory benefits program somewhat makes up for it. With 10x points for airline spend, a frequent traveller surely gets rewarded well.

One of the major complaints many people have on this card is that the rewards categories have been devalued. Even after devaluation, the card continues to hold its own.With a variable APR ranging from 37.20% to 42%, one might want to stay away from this card unless they intend to make card balance in full every month.

Air India SBI Signature Credit Card

The Air India SBI Signature Credit Card targets Air India Frequent flyers and offers incomparable rewards and benefits to the target group. Although it comes with a high annual fee, that gets compensated by the 20,000 reward points that you get upon payment of joining fee. Additionally, you can also enjoy Airport Lounge Access with this SBI Signature Card.

Pros and Cons

Reasons to Choose Reasons to Avoid
Impressive Rewards Programme Restricted to Air India Flights
Airport Lounge Access No dining discounts
 Welcome gift High Annual Fee
Fuel Surcharge Waiver No golf privileges

Rewards/Benefits:

  • 20,000 Reward points as a welcome gift on payment of your joining fee
  • Complimentary membership of the Air India Frequent Flyer program-Flying Returns
  • Convert your Reward points into Air India miles. 1 Reward point is equal to 1 Air India Air mil
  • Enjoy International Airport Luxury Lounge Access to over 600 airport lounges with complimentary Priority Pass Progra
  •  Up to 30 Reward Points for every INR100 spent on Air India tickets booked through airindia.com, Air India mobile app. 10 reward points when booked for others
  • 1% Fuel surcharge waiver on transactions between INR 500 to INR 4,000
  • Lost Card Liability Cover worth INR 1,00,000

Quick Figures:

Annual Fee INR 4,999
Annual Bonus
Annual Retail Spend Bonus Reward Points Cumulative Bonus Reward Points
INR 5 lakh 20,000 20,000
INR 10 lakh 30,000 50,000
INR 20 lakh 50,000 1,00,000
APR 40.2%
Minimum Requirements Salaried employee

This card is perfect for you if you like to travel by Air India. However, the only disadvantages of this card are the absence of dining discounts and golf privileges.

Best Credit Card in India for Airport Lounge Access

HDFC Bank Infinia Credit Card

The HDFC Bank Infinia Card is, indeed, the best card in India for airport lounge access. You get a complimentary Priority Pass Membership i.e. you get unlimited access to domestic and international airport lounge access. Additionally, for Lounge visits within India, Infinia customers can avail 4 complimentary lounge access per quarter through Infinia Visa/Master Credit Card Lounge program.  With this card, you can also enjoy your time at some of the best golf courses across the world.

Pros and Cons:

Reasons to Choose Reasons to Avoid
Complimentary Priority Pass Membership No welcome gift or renewal bonus
Club Vistara Gold Membership Invitation only card
No pre-set credit limit feature
Golf lessons

Rewards/Benefits:

  • No pre-set credit limit feature and minimum INR 10,00,000 credit
  • Complimentary Priority Pass membership that allows you preferential access to 1000+ airport lounges globally. only to Primary and Add-on card member
  • Complimentary Club Vistara Gold Membershi
  • Golf privilege
  • A minimum discount of 15% across 3000+ restaurant
  • Insurance cover of INR 3 Crore on Accidental death, INR 50 Lakh on medical emergency overseas. INR 9 Lakh on lost card liabilit

Quick Figures:

Annual Fee INR 10,000
Annual Bonus No bonus points or welcome gift
APR 23.88%
Minimum Requirements ITR of INR 40,00,000 to INR 50,00,000

This card is perfect for those who want to travel in luxury and avail premium services such as golf lessons, concierge services etc. Additionally, you get the Priority pass membership and club Vistara Gold Membership with this card. Since this is an invitation-only card, you can apply for HDFC Diner's Black Card if you are not able to get hold of the Infinia Card. One of the major disadvantages of this card is the absence of any introductory benefits. However, the benefits and rewards it offers compensate for the drawback.

Best Credit Cards in India for movies

ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card is the best option when it comes to getting 2  free tickets every month worth INR 250 each. Furthermore, this card will also take care of your taste buds by offering good deals on dining bills. At this annual fee, this is one of those few cards which offer access to airport and railway lounges.

Pros and Cons

Reasons to Choose Reasons to Avoid
Up to 2 free movie tickets per month(1+1 offer) High interest rate
Domestic Airport and Railway lounge Access  No Golf Privileges
Discount on dining bills
Fuel Surcharge Waiver

Rewards/Benefits:

  • Up to 10,000 PAYBACK points every anniversary year
  • One complimentary domestic airport lounge visit per quarter
  • Get the all new feature of one complimentary domestic railway lounge visit per quarter
  • 2 complimentary movie tickets every month under the Buy One Get One free offer through www.bookmyshow.com
  • Minimum 15% savings on dining bills at over 2500+ restaurants across India through our Culinary Treats Programm
  • Fuel Surcharge Waiver

Quick Figures:

Annual Fee Joining fee of INR 500 + GST and Annual Fee for 1st year. You pay an annual fee of INR  500 + GST from 2nd year onwards - waived off if you spend more than INR 1,50,000 in the previous year.
Annual Bonus INR 999
APR 40.80%
Minimum Requirements Should be a salaried employee

The ICICI Bank Coral Credit Card is perfect for you if you love watching movies and like dining out. At this annual fee, this is probably one of those few cards that offer a good variety of benefits.

RBL Bank Movies and More Credit Card

The RBL Bank Movies and More Credit Card is perfect for those of you who love watching movies. The bonus points and rewards programme for this card is highly competitive for this price range. Additionally, you get Fuel Surcharge Waiver.

Pros and Cons

Reasons to Choose Reasons to Avoid
Up to 2 free movie tickets per month(1+1 offer) High interest rate
RewardsProgramme  No Golf Privileges
Bonus Points Fewer features
Fuel Surcharge Waiver Accelerated rewards only Wednesday.

Rewards/Benefits:

  • Enjoy up to 2 free movie tickets worth Rs.250 each at BookMyShow on monthly spends of Rs.15,00
  • Enjoy 1 free movie ticket up to Rs.250 at BookMyShow on monthly spends of Rs.10,00
  • Earn 10 reward points/ Rs.100 spent at BookMyShow and at Pizza Hut and KFC

Quick Figures:

Annual Fee INR 1,000
Annual Bonus 15,000 bonus reward points
APR 42%
Minimum Requirements Should be a salaried employee

This RBL Bank Credit Card is great for movies and earning bonus points on reaching milestone spends. The only disadvantage of this card is its high interest rate.

Best Premium Credit Cards in India

Standard Chartered Bank Ultimate VISA Card

The Standard Chartered Bank Ultimate Visa Credit Card is an exclusive credit card that can be used to meet all your luxury travel needs. The 2% foreign currency mark-up fee is also one of the lowest in the market. Additionally, you get 5% cash back on duty-free spends and access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Cashback on duty-free spends.  No entertainment benefits
 Priority Pass Membership, access to airport lounges  High Annual Fee
 Access to golf courses
 Discounts on Fast Track Immigration service
Joining and Renewal benefit

Rewards/Benefits:

  • 5% cash back on duty-free spends
  • Priority Pass Membership and access to airport lounges
  • Discounts on Airport Fast Track immigration Service over  450 destinations worldwide
  • Air Accident Travel insurance of INR 1,00,000 for international travel
  • Up to 25% discount on top 250 restaurants in India
  • Access to 20 premier golf courses in India and 150 worldwide
  • Up to INR 10,000 cash back on MakeMyTrip as welcome offer

Quick Figures:

Annual Fee INR 5,000
Annual Bonus 15,000 bonus reward points
APR 37.20%
Minimum Requirements Should be a salaried employee

The Standard Chartered Bank Ultimate Visa Card offers very satisfactory services and is highly valued by premium customers. This card provides you everything except entertainment benefits. Additionally, it provides Concierge services for your convenience, thereby, making your credit card usage very enjoyable.

Citibank Prestige Card

The Citibank Prestige Card is targeted at people who want an exclusive range of benefits from their credit card. Whether it is Priority Pass membership, complimentary hotel stays, Taj Epicure Inner Circle Membership, golf privileges etc, this card takes care of all your needs.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Unlimited Priority Pass Membership  High Foreign Currency Mark-up Fee
Air Miles and golf privileges  High Interest rate
10,0000 air Miles as bonus  High annual fee
Gift vouchers worth INR 20,000 a year

Benefits/ Rewards

  • Unlimited Priority Pass benefit
  • 20,000 points every yea
  • Good rewards rat
  • Golf Privilege
  • Taj Epicure and Inner Circle Silver Membershi

Quick Figures:

Annual Fee INR 20,000
Annual Bonus 20,000 bonus points ( air miles and vouchers)
APR 42%
Minimum Requirements For the affluent class

This card targets the frequent traveller. Whether the INR 20,0000 Annual fee is very heavy on your pocket, is something you will have to decide.However, the benefits that it provides are, indeed, impressive.

Note: In the above list, we have not ranked the credit cards because each of these credit cards offers the best rewards or benefits in the category they belong to. Is there a winner? No. Each card has a different target group and fulfils a unique purpose.

FinTown Advantage:  We provide unbiased personal finance advice to help people make the best possible financial decisions. Our reviews and ratings of financial products are determined by customer financial wellbeing and not profiteering. Whether or not we make a penny, we do what is best for the customer. Our research team is made up of economists and market researchers who spend hundreds of hours researching and comparing products with the same mission in mind.