Best Bank Credit Cards in India - Check Reviews

Best Bank Credit Cards in India 

In India, leading credit card issuing banks like HDFC, SBI, Axis Bank, IndusInd Bank, and American Express issue cards for users to enhance the experience in their credit card journey, and each offers its cards to cater to customized needs such as fuel, online shopping, dining, movie-going, or groceries or even a mix of all. This is a short guide to Best Bank Credit Cards in India for comparing another credit card in India and below is some information on a few credit cards, including their annual fee and key features.

Assess the available options before making a choice. Go for the card that rewards benefits more closely aligned with your spending habits and for which you can truly maximize your value-back. 

Here is the list of the bank credit cards. Keep reading to explore.

1. Indian Oil Axis Bank RuPay Credit Card

The Indian Oil Axis Bank RuPay Credit Card is a valuable credit card for fuel buys with co-branding from Axis Bank in association with IOCL (Indian Oil Corporation Limited). It would really be an asset for those who use fuel very frequently as it provides great savings on fuel purchases. The main feature of this Axis Bank credit card is that it provides a really high reward rate of 5% on fuel spending at IOCL filling stations as well as an attractive reward rate of 1% on online spending.

Benefits:

• Movies & Dining: 10% instant discount on movie ticket bookings on BookMyShow.

• Rewards Rate: 5 Reward Points for every 100 rupees spent online and 20 Reward Points for every 100 rupees spent at IOCL retail locations on petroleum transactions.

• Reward Redemption: On the Axis Bank EDGE Rewards Portal, Reward Points can be exchanged for merchandise (from the specified product catalog) and shopping/travel vouchers.

• Travel: N/A.

• Domestic Lounge Access: N/A.

• International Lounge: N/A.

• Golf: N/A.

• Insurance Benefits: N/A.

Click to Instant Apply for the Indian Oil Axis Bank RuPay Credit Card

Eligibility Criteria

 

 

 

2. SBI Simply SAVE UPI Rupay Credit Card

SBI Simply SAVE UPI Rupay Credit Card is a nice entry-level credit card that has an annual fee of Rs.499 and a welcome benefit of 2000 bonus reward points. You earn accelerated reward points for grocery, movie, and departmental store purchases, which are helpful for new credit users trying to save money on basic expenses. This SBI credit card can also be linked to UPI apps.

Benefits: 

• Joining Fees- Rs.499 + GST.

• Renewal Fees- Rs.499 + GST.

• Best for- Shopping.

• Welcome Benefits- Receive 2,000 Reward Points when the same amount is spent within the first 60 days of card issuance.

• Movie & Dining- 10x Reward Points on spends made for movies and dining.

• Rewards Rate- 1 Reward Point for every Rs.150 spent (reward rate = 0.25%), 10x RPs for spending on movies, groceries, dining, and departmental stores (reward rate = 2.5%).

• Reward Redemption- Redeem awarded points for gift vouchers on sbicard.com or the SBI mobile app. Alternatively, to settle any outstanding balance of the card. (1 Reward Point = Rs.0.25).

• Travel- N/A.

• Domestic Lounge Access- N/A.

• International Lounge Access- N/A.

• Golf- N/A.

• Insurance Benefits- N/A.

 

Click to Instant Apply for the SBI Simply SAVE UPI Rupay Credit Card.

 

 

3. Samsung Axis Bank Infinite Credit Card

This is a co-branded credit card issued by the Axis Bank in partnership with Samsung, the multinational electronics corporation, called the Samsung Axis Bank Infinite Credit Card. Axis Bank has introduced its credit card i.e. Samsung Axis Credit Card. The Infinite credit card is a kind of premium credit card, and as such, it is intended to provide advantages for people using Samsung. 

In fact, the card welcomes you with 30,000 EDGE Reward Points that can be enjoyed by making three transactions in 30 days from the date of issuance of the card.

Benefits:

• Joining Fee: Rs.5,000 + GST
  
  
• Renewal Fee: Rs.5,000 + GST
  
  
• Best Suited For: Travel and Shopping
  
  
• Reward Type: Reward Points and Cashback
  
  
• Welcome Benefits: 30,000 EDGE Reward Points
  
  
• Movie & Dining: Complimentary EazyDiner Membership for 1 year. Enjoy 25% off on dining bills (up to Rs.800) twice each month for transactions above Rs.2,000.
  
  
• Rewards Rate: 15 EDGE Points for every Rs. 100 spent on merchants like BigBasket, Tata 1mg, Zomato, etc., and 15 EDGE Points for every Rs.100 spent on international transactions. 5 EDGE Points per Rs.100 spent on all other spends.
  
  
• Reward Redemption: The Axis EDGE REWARDS portal allows the redemption of EDGE REWARDS Points at an equivalent rate of 1 Edge Reward = Rs.0.20. Alternatively, EDGE Points can also be transferred to partner Airlines/Hotels Rewards Program.
  
  
• Travel: N/A.
  
  
• Domestic Lounge Access: Eight complimentary domestic airport lounge visits per year.
  
  
• International Lounge Access: Priority Pass Membership with six complimentary international airport lounge visits per year.
  
  
• Golf: N/A.
  
  
• Insurance Benefits: N/A.

Click to Instant Apply for the Samsung Axis Bank Infinite Credit Card.

Eligibility Criteria

 

Conclusion:

Your budget and ways of spending will decide the best bank credit cards for you in 2025. Before choosing, evaluate the advantages, rewards, and costs. You can save money and get additional benefits with a carefully selected credit card. Choose the one that best fits your needs after carefully comparing them.

Disclaimer: No buy or sell recommendation is given. No investment advice it is. Information is taken from various internet websites and valid at the time of writing this content only (as of 14 Feb 2025) and might get changed in the future without any prior update. Discuss your eligible financial advisor or concerned credit card company or banks for details before buying. The author or the company (Finowings) shall not be responsible for any loss.