Best Credit Cards for Daily Use in India 2024

Best Credit Cards for Daily Use in India 2024: Are you on the hunt for the ideal credit card tailored to your needs in India? Whether it’s cashback, lounge access, hotel stays, or flight perks, this guide covers the best options for 2024. With over 200 cards analyzed across different banks, we’ve curated a list segmented by user needs and preferences. Let’s dive in!

Entry-Level Credit Cards

Ideal for Beginners

• Income Suggestion: ₹5 Lakh+ annually


• Spend Suggestion: ₹1 Lakh+ annually

These cards are perfect for first-time users, offering basic benefits and easy eligibility.

Top Picks:

1. SBI Cashback Card
   
   
   
   • Highlights: Up to 5% cashback on online purchases.
   
   
   • Monthly Cap: ₹5,000 (equates to ₹1 Lakh spends).
   
   
   • Why Choose It? Great for maximizing returns on e-commerce spends.
   
   
   
   


2. Amex MRCC
   
   
   
   • Highlights: 6% returns on spends through membership rewards.
   
   
   • Why Choose It? Unlocks the premium world of Amex with generous points.
   
   
   
   


3. ICICI Amazon Pay Credit Card
   
   
   
   • Highlights: 5% cashback for Amazon Prime users.
   
   
   • Why Choose It? Lifetime free card with exclusive Amazon benefits.
   
   
   
   

Premium Credit Cards

For Those Who Love Luxury

• Income Suggestion: ₹12 Lakh+ annually


• Spend Suggestion: ₹6 Lakh+ annually

Perfect for those who value added luxury, travel perks, and better rewards.

Top Picks:

1. HDFC Regalia Gold
   
   
   
   • Highlights: Complimentary airport lounge access and milestone rewards.
   
   
   • Why Choose It? Ideal for families with add-on priority pass benefits.
   
   
   
   


2. Amex Gold Charge Card
   
   
   
   • Highlights: Higher credit limit and rewards on fuel/utility spends.
   
   
   • Why Choose It? Suitable for users who prioritize high-value redemptions.
   
   
   
   


3. HDFC Tata Neu Infinity Rupay
   
   
   
   • Highlights: Rewards on UPI transactions and utility bills.
   
   
   • Why Choose It? Unique blend of UPI rewards and Tata ecosystem offers.
   
   
   
   

Travel Credit Cards

For Frequent Flyers

These cards are tailored to enhance your travel experience with perks like vouchers, miles, and lounge access.

Top Picks:

1. Axis Atlas
   
   
   
   • Highlights: Amazing reward rates on hotel and airline bookings.
   
   
   • Why Choose It? A solid choice for domestic and international travelers.
   
   
   
   


2. Amex Platinum Travel
   
   
   
   • Highlights: Complimentary Taj vouchers and premium lounge access.
   
   
   • Why Choose It? Perfect for annual luxury stays and lounge access.
   
   
   
   


3. RBL World Safari
   
   
   
   • Highlights: 0% forex markup and global travel insurance.
   
   
   • Why Choose It? A great fit for international travelers.
   
   
   
   

Airline Credit Cards

Maximize Flight Rewards

Designed for frequent fliers, these cards provide unmatched benefits with specific airlines.

Top Picks:

1. Axis Vistara Infinite
   
   
   
   • Highlights: Complimentary business class tickets and Vistara Gold benefits.
   
   
   • Why Choose It? Perfect for business travelers.
   
   
   
   


2. SBI Air India Signature
   
   
   
   • Highlights: Great rewards on Air India flights and Star Alliance partners.
   
   
   • Why Choose It? Rewarding card for loyal Air India customers.
   
   
   
   


3. IndusInd Tiger Credit Card
   
   
   
   • Highlights: High reward rates and points transfer to Vistara.
   
   
   • Why Choose It? Ideal for users with significant annual spending.
   
   
   
   

Super Premium Credit Cards

For High Spenders

• Income Suggestion: ₹20 Lakh+ annually


• Spend Suggestion: ₹10 Lakh+ annually

These cards cater to users seeking exclusive perks like unlimited lounge access and luxury benefits.

Top Picks:

1. Axis Magnus
   
   
   
   • Highlights: Airport meet-and-greet services, miles transfer options.
   
   
   • Why Choose It? Comprehensive card for high-value travelers.
   
   
   
   


2. HDFC Infinia
   
   
   
   • Highlights: 5X rewards and unmatched milestone benefits.
   
   
   • Why Choose It? A premium card for all-purpose spending.
   
   
   
   


3. ICICI Emeralde Private
   
   
   
   • Highlights: Exceptional welcome benefits and ongoing rewards.
   
   
   • Why Choose It? Best for loyal ICICI customers.
   
   
   
   

Ultra-Premium Credit Cards

For the Elite Class

These cards offer unparalleled luxury with benefits like concierge services, hotel privileges, and first-class upgrades.

Top Picks:

1. Amex Platinum
   
   
   
   • Highlights: Marriott Bonvoy Gold membership and luxury concierge services.
   
   
   • Why Choose It? Ideal for users who maximize premium perks.
   
   
   
   


2. Axis Burgundy Private
   
   
   
   • Highlights: Tailored for very high spenders with exclusive benefits.
   
   
   • Why Choose It? Exceptional card for elite Axis Bank customers.
   
   
   
   


3. HSBC Premier
   
   
   
   • Highlights: Consistent rewards across all spends.
   
   
   • Why Choose It? Good for HSBC customers seeking premium experiences.
   
   
   
   

Choosing the Right Credit Card

• For Beginners: SBI Cashback Credit Card is a top choice for entry-level users.


• For Moderate Spenders (₹15L+): Axis Atlas paired with lifestyle cards like Amex MRCC.


• For High Spenders (₹30L+): Axis Magnus and HDFC Infinia for luxury and rewards.

Each credit card caters to a specific lifestyle and spending habit. Choose one that aligns with your goals and start enjoying unparalleled benefits!