Top Ten Best Credit Cards in India 2015

Credit cards are mostly used by high/upper middle class people. This card is the easiest modes of payment and reduces your burden of carrying money all the time with you. At present it is the most demanded card in India. But the most important thing before collecting a credit card is that you must get proper information about its service charges, discounts etc. This card is of different types like travelers’ credit cards, shopping credit cards, international travel credit cards etc. Different credit cards have different features like different interest rates, different fees etc. To avoid unnecessary expense you must know each and every detail before selecting a credit card. For your better knowledge, here is a list of top 10 best credit cards in India- have a look.

10. ICICI Instant Platinum Credit Card

Joining Fee: Nil Annul Fee: Nil

Description: Fixed deposit amount: Rs. 20,000 and you will keep it for at least 180 days. Against your security deposit you will access this card instantly.

9. HDFC Bank Platinum Times Card

Joining Fee: Changeable from time to time Annul Fee: Changeable from time to time

Description: You will get 25% off on movies and on dining you will get 20% off. Most important feature is its welcome gift vouchers for shopping, dining or apparel. In case of weekday dining you will get 10 points as reward on every Rs 150 spent and for other spent it is 3 points.

8.RBL Bank Platinum Delight Credit card

Joining Fee: Nil Annual Fee: Rs. 750

Description: This card has a renewal fee of Rs.750 and this will be waived off on purchase of Rs. 1, 00,000 or more through this card.

7.RBL Bank Platinum Maxima Credit Card

Joining Fee: Nil Annul Fee: Rs. 2000

Description: This card requires a renewal fee of Rs. 2000 and the card is offered by RBL Bank. If you spend 100/- for purchase, you will earn 2 reward points.

6. HDFC Bank Solitaire Credit Card

Joining Fee: Changeable from time to time Annul Fee: Changeable from time to time

Description: Per Rs. 150 spent you will get 3 points and spend on grocery and dining you will get 50% additional points. Rs.1,000 Shoppers Stop voucher is available if you spend Rs.75,000 on every 6 months

5. IndusInd Bank Platinum Aura Credit Card

Joining Fee: Rs. 899 Annul Fee: Nil

Description: If you spend Rs.10, 000 or more within the first 3 months, then joining fee will be waived off.

4. HDFC Bank Platinum Edge

Joining Fee: Changeable from time to time Annul Fee: Changeable from time to time

Description: If your credit card has any outstanding balance, you will then get redeem reward point and on dining spends you will get 50% more reward points. Most important point is that you will get credit facility without any interest up to 50 days from your date of purchase.

3. HDFC Bank Titanium Times Card

Joining Fee: 500

Annul Fee: Rs. 500

Description: You will get 25% off on movies and on dining you will get 15% off. Most important feature is its welcome gift vouchers for shopping, dining or apparel. In case of weekday dining you will get 5 points as reward on every Rs 150 spent and for other spent it is 2 points.

2. ICICI Bank Rubyx Credit Cards

Joining Fee: Rs. 3000 Annul Fee: Rs. 2000

Description: After 2nd year onward if you spend more than Rs. 2, 50,000 in the previous year, then annual fees will be waived off. Joining fees will remain the same. When you collect this card, you will get a welcome gift like Sennheiser HD-219 Headphones.

1. ICICI Bank HPCL coral Credit Card

Joining Fee: Nil Annul Fee: Rs. 199

Description: If you do not spend more than Rs. 5000 within two months of card set-up, then this joining fee must be levied and if you spend more than Rs. 50,000 in the previous year, then annual fees will be waived off.


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