Top Credit Cards in India 2024: Ultimate Picks for Every Categories

On our blog you will find many articles like best credit cards for offline spending, best credit cards of HDFC and Axis bank, but today we are going to know about this article category wise Best Credit Cards In India For 2024. We have analyzed many credit cards and selected some credit cards for you which you can apply for in 2024.

Best Credit Cards In India For 2024 For All Categories

We have segregated all these credit cards category wise so that you can select the best credit card for yourself and apply for whatever credit card fulfills your requirement. Here we have discussed about those credit cards which are basically available to everyone and in this article we have not included those credit cards which look good on paper but no one gets them.

Best Lifetime Free Credit Card For 2024:

IDFC First Select Credit Card:

IDFC First Select Credit Card:

Welcome voucher worth ₹500 on Spending  ₹15,000 within 90 days of card generation.
Buy 1 get one movie tickets on Paytm app (benefit = ₹250)
Four complimentary visits to domestic airport lounges and IRCTC lounges per quarter.
Free roadside assistance worth ₹1400.List item
Reward points never expire
Reward rate of 0.6% to 2% on normal spends.

Now as we told that this is a life time free credit card and due to it being lifetime free, the benefits given to you in it are also quite ample. And if you spend ₹ 15000 in 3 months with this credit card, then you get gift vouchers of ₹ 500. Now shopping for ₹15000 in 3 months is not a big deal. And along with this, you are also given the facility of lounge access in this life time free credit card. One thing that we found best in this credit card is that its reward points never expire and this feature makes this credit card even more crazy.

IDFC First Wealth Credit Card:

IDFC First Wealth Credit Card:

Lifetime Free if min salary ₹2.5+LPA and a good credit score
Welcome voucher worth ₹500 on spending ₹15,000 within 90 days of card generation
Buy 1 get 1 movie tickets on Paytm App (benefit = ₹500)
4 complimentary domestic and international lounge and SPA visits per month on spending ₹5000 or more
12 free golf lessons
Discounts on airport meet and greet service Concierge Service
Free roadside assistance worth ₹1400
Air Accident cover of ₹1 Crore.

You also get this IDFC First wealth credit card free for life time, but to avail this, your minimum salary should be ₹ 2.5 lakh/Annum. You also get a welcome gift voucher of ₹ 500 on credit cards. And along with this, you are also given the facility of domestic as well as international lounge access in this credit card, but for this you will have to spend ₹ 5000 per month from your credit card. All in One: This is a very premium credit card and you can get this credit card for free if you have a good relationship with IDFC Bank.

Best Credit Cards For Online Spending:

SBI Cashback Credit Card:

SBI Cashback Credit Card:


5% cashback on almost all online spends (capped at ₹2 lakhs in a year).
Annual Fees of ₹999+GST can be waived off by spending ₹2 lakhs in a year.
Ideal Card for online shoppers with regular spends of ₹4000 – ₹5000 per month. Cashback potential can be significant. 


Devalued Benefits: certain benefits like rent, utilities, insurance payments and complimentary domestic lounge access were removed in September 2023.


Despite the devaluation, the SBI Cashback Credit Card remains a strong offering for online shoppers.
The high cash back cap and flexibility for free waiver make it a solid choice.

The most popular credit card for online spends today is SBI’s cashback credit card because in this you get good reward rates on online spends. In this credit card you get 5% reward points on all online spends. Apart from this, in other credit cards like Axis Flipkart credit card and HDFC Millennia, you also get 5% cashback on online spends, but their per month cashback limit is quite less.

Now in September 2023, SBI Bank had made a lot of devaluation in the features of this credit card in which they had stopped reward points on rent payments, Utility bills and insurance payments and anyway very few credit cards give reward points on these categories. Apart from this, SBI Bank had also stopped the domestic lounge access available on this credit card.

But despite all this, this credit card is still considered one of the best credit cards for online spends.

Best Credit Card For Travel in 2024:

American Express Platinum Travel Credit Card:

American Express Platinum Travel Credit Card:

  • Annual Fee: ₹5000 + GST
  • Minimum Salary: ₹50,000 – ₹60,000 per month
  • Referral Bonus: first year annual fee waived off and 2000 bonus points
  • Redemption Rate: 0.50 to 1
    • 0.50 if converted to cashback
    • 1 if redeemed for Marriott hotel or Taj Hotels vouchers
  • Complimentary Domestic Lounge Access: 8
    • Note: Delhi and Mumbai Lounges not included

You get this credit card with an annual fee of ₹ 5000 and the fun of getting this credit card is when someone refers you for this card. Because if you apply for this credit card after being referred by someone, then your first year fee is waived off and you get 2000 bonus points.

Axis Magnus Credit Card:

Axis Magnus Credit Card:

Annual Fee: ₹12500 + GST
Minimum Salary: ₹1-1.2 Lakhs per month
Unlimited domestic and international lounge access (Plus 8 guest visits)
8 Airport concierge service
Discounted stays at Oberoi & Trident Hotels
Choose a ₹12500 gift voucher from postcard Hotels, Luxe or Yatra Effectively offsetting the annual fees.

If you are eligible for this Axis Magnus Credit Card, then you should definitely take this credit card because this credit card of Axis Bank comes under the premium segment and the benefits you get in it are also of very premium quality. In this credit card you get unlimited domestic and international lounge access and 8 complimentary lounge access is given to your guests.

Along with this, you also get a gift voucher of ₹ 12500 equivalent to its joining fee in this credit card. Therefore, if you go, technically this card also becomes free for you.

Best Overall Credit Card:

HDFC Regalia Gold Credit Card:

HDFC Regalia Gold Credit Card:

Base rate: 1.3% reward points on all spends
Boosted rate: upto 13.2% when used through HDFC SmartBuy portal (potential return)
Annual Fee: ₹2500 (waived with ₹4 lakhs spends in a year)
Club Vistara Silver: Complimentary membership
Lounge Access: 12 domestic + 6 international  per year
Potential Upgrade to premium: HDFC cards like Diners & Infinia

In this HDFC Regalia Gold Credit Card, you get a reward rate of 1.3% but you can boost the reward rate up to 13.2% by using this card on HDFC SmartBuy. The annual fee of this credit card is ₹ 2500 and you can get this fee waived off by spending ₹ 4 Lakh per year. Along with this, you get 12 complimentary domestic and 6 International Lounge Access.

And the best thing about this card is that after getting this card, you can easily upgrade to other premium credit cards of HDFC like HDFC Infinia and Diner Club card.

Best Premium Credit Cards For 2024:

HDFC Infinia Metal Credit Card:

HDFC Infinia Metal Credit Card:

3.3% reward points on all spends
Reward points up to 16.6% when used through HDFC Smart Buy Portal
Unlimited lounge Access: Domestic and international for primary and add-on card holder
1 Complimentary night stay at ITC Hotels
Buy 1 Get 1 Free buffer in ITC Hotels
Complimentary Club Marriott membership
Global Personal Concierge

HDFC Infinia Credit card is considered to be the best credit card in India and you get quite premium features in this credit card. Till some time ago Axis Magnus Credit card was giving competition to it but after its devaluation now this credit card is considered the best.

HDFC Infinia Credit Card provides you the facility of unlimited domestic and international lounge access for yourself and one add on card holder. Also you get 1 complimentary night stay in ITC Hotels. Apart from this, you also get many other premium features in this credit card. Basically, if you are getting this credit card, you can take it blindly.


ALL articles on this website are written for informational purposes only, it does not have the intention of defaming any company or service. The information presented has been shared on the basis of its knowledge and experience. That's why before having full faith in the information, do research at your level.

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