Best Credit Cards In India For 2023



In these financially challenging times, choosing the right credit card is crucial to safeguarding your finances from inflation. Discover how credit cards can help you save and spend wisely, with benefits like discounts on travel, cash back on online shopping, and reward points for fuel purchases.

The credit card industry in India is booming, with a remarkable 20% compound annual growth rate in the last five years, reaching a record spend of INR 1.13 lakh crore in May 2022. Factors like hyper-personalization, enticing rewards, advanced technology, and Gen-Z interest have fueled this growth, as new fintech players enter the market.

To help you navigate through the abundance of choices, Forbes Advisor India has researched and compiled a list of the top 5 best credit cards in India. Get ready to supercharge your spending and savings!

LIT Credit Card

LIT Credit Card – India’s very first customizable credit card that puts the power of choice right in your hands! If you’ve ever wished for a credit card that caters to your individual needs, embraces your unique style, and rewards you for being you, then the LIT Credit Card is about to make your dreams come true.

Annual FeeRewards / Welcome BonusKey Feature
FreeFully customizableCustomer’s choice

Flipkart Axis Credit Card

Are you a savvy shopper who is always on the lookout for incredible deals? If so, you’re in for a treat! Introducing the Flipkart Axis Credit Card – a must-have financial tool for cashback enthusiasts like you. Provided by Axis Bank, this credit card is your ticket to unbeatable rewards and exclusive benefits, and we can’t wait to spill all the details!

Annual FeeRewards / Welcome BonusKey Feature
INR 500 + taxes20% Off on Partner Restaurants
Fuel Surcharge Waiver
Complimentary Airport Lounge Visits
Discounts, cashback

Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card is a great option for those who prioritize cashback in a credit card: with this product, you can enjoy unlimited cashback!

Annual FeeRewards / Welcome BonusKey Feature
INR 500 + taxesThere is no upper limit on cashback.Cashback

SimplyCLICK SBI Credit Card

Introducing the SimplyCLICK SBI Credit Card – your ultimate shopping companion that offers unbeatable rewards and savings for all your online splurges!

Annual FeeRewards / Welcome BonusKey Feature
INR 499+ taxesAmazon gift cardReward points

HDFC Millennia Credit Card

Introducing the HDFC Millennia Credit Card – your ultimate companion for unlocking a world of benefits and exclusive privileges!

Annual FeeRewards / Welcome BonusKey Feature
INR 1,000 + taxes1000 CashPointsCash Back