An upgrade on the classic HDFC Regalia Card, the Regalia Gold card is one of the best credit cards for high-spenders as well as frequent travellers. You get accelerated rewards on some popular brands like Nykaa and Myntra, along with a good base reward rate across all other spends. The card also offers rewards on insurance, utilities, and education spends, which are generally excluded from credit card rewards programs. Complimentary membership to Swiggy One and MMT Black Gold Tier add to its benefits.

Best Travel Credit Cards in India

Within Della’s culinary realm, gastronomy unfolds as an impressive collection of iconic theme-based restaurants and bars.With breathtaking vistas, our caliber of mixology and cuisine entices epicures from around the globe.

HDFC Bank Millennia Credit Card is a good option for you if you are specifically looking for a credit card with a high cashback rate across popular online brands. The card offers good value-back on online shopping across top merchants as well as on other general spends. If you frequently use your credit card to shop online then this card is a good option as you can easily maximize benefits and avail annual fee waiver on spending more than 1 lakh in a year.

This card offers diverse rewards and lifestyle benefits for users, covering food, groceries, and many other needs. To find the best credit card, you need to analyze your spending habits and choose the one that aligns with your lifestyle. You can choose the best credit card in India from the above-mentioned list as per your requirements. In conclusion, credit cards can be a great way to save on your daily expenses. However, you need to be conscious of your spending as unplanned use of credit cards can make you form a habit of spontaneous spending which can lead to a hefty bill in the next month.

American Express® Platinum Travel Credit Card

• At the same time, there are some all-rounder cards that provide benefits across multiple categories but such cards usually come at a comparatively higher annual fee.
• Choosing the best credit card is no easy task; it requires careful consideration of these aspects before you go ahead.
• ICICI HPCL Super Saver is an entry-level fuel credit card that offers a value back of up to 5% on your fuel spends at HPCL.
• You can consider getting this card if fuel spends make a major portion of your monthly expenses.
• Book our exclusive Stay package with Della Sky Garden, and create cherished memories with a luxury stay along with an exclusive experience 150 feet up in the sky.

Comparing credit cards from different issuers is important to find the best deal as per your requirements. While comparing multiple credit cards, you should look for interest rates, annual fees, overall benefits, and additional benefits. You can use platforms like Paisabazaar to apply for the one that suits your requirements the best. In comparison to other cards on this list, MakeMyTrip ICICI comes at a comparatively low annual fee of Rs. 999. Despite being a co-branded travel card with MakeMyTrip, it keeps up with the all-rounder travel benefits of consumers, around flight, hotel, cab, bus and train bookings.

The card works on a tier-based model where cardholders are rewarded based on their spends. But some credit cards offer higher reward points with certain purchases and they have multiple redemption options. In addition to the above-mentioned factors, most credit cards offer extra perks like welcome benefits, bonus rewards, milestone benefits, and complimentary memberships or vouchers. While these benefits enhance the overall value of the card, these should not be the sole criteria for selection. It is important to check all the applicable fees and charges before applying for a credit card.

With credit cards you do not have to worry about spending money immediately from your pocket as the lender pays on your behalf and you do not have to worry about it until the next bill repayment date. This loophole persisted for two years before it got fixed in January 2024, Sumanta Mandal, Founder of TechnoFino, an online platform that reviews banking products such as credit cards, told Livemint. Your card could be compromised by hackers who use it to make fraudulent purchases or transfer money to other accounts. This can happen when you’re using your card at a store that doesn’t accept cards or online purchases, or if you use it without securing it with two-factor authentication. The credit score requirements vary depending on the type of card you’re looking for. If you’re looking for a card specifically for travel and shopping, the higher, the better—but if you don’t have much of a history of using credit cards, it might be wise to start with the one that’s easier to qualify for.

Interest rates are typically higher, so make sure that’s an important factor when choosing your card. Most cards offer an introductory period where there are no fees or interest charges for your first few months of use, but then this changes into a regular APR (annual percentage rate). These rates vary from 0% up to 27% depending on how long you’ve had the account and where you live. The HDFC Regalia Gold Credit Card offers attractive reward points for daily spends, along with airport lounge access, and several redemption benefits, with emphasis on lifestyle and travel needs.

The IndianOil RBL Bank XTRA Credit Card offers several value propositions for holders, including higher fuel savings and many other additional benefits. The BPCL SBI Card Octane is a value-added offering, with value back on fuel purchases made at BPCL petrol indian ludo pumps nationwide. The ICICI HPCL Super Saver Credit Card offers attractive cashback on fuel purchases made at HPCL pumps throughout the country along with several other benefits. We have categorized the content under different heads that may help you figure out which credit card is best in India. Download the App for exclusive offers,manage your account and much more, on-the-go.