Best Credit Card To Have Right Now – PS: If you are looking for the latest list of the best credit cards available in India, check out this article: Best Credit Cards in 2023.
Looking for the best credit cards in India for 2022 to suit your needs? You are in the right place. Whatever you want
Best Credit Card To Have Right Now
I have analyzed more than 100 credit cards in India across different banks and compiled a list of the best credit cards in 2022 based on different user segments. here they are,
Current Best Credit Card Offers
With nearly 10+ active credit cards in my wallet, the list below covers most of the cards I personally use and more. Let’s start with credit cards first,
Entry-level credit cards, also called entry-level credit cards, are those cards aimed at first-time credit card users.
If you are new to the world of credit cards, there is no need to skip the HDFC Millennia Credit Card. This applies regardless of the other card you get.
It helps to build a relationship with the bank so that you can finally access premium and premium HDFC credit cards.
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An elegant and simple credit card that gives you 2% cash back on all your regular expenses. This fantastic 2021 pick beats many premium cards when it comes to rewards rate and continues to hold its own in 2022 as well.
However, the problem with Axis is poor technology and low credit limit issues. Hope it will be better this year.
The American Express Membership Rewards (MRCC) credit card is the best way to enter the world of Amex. If you only use this card to earn 1000 MR reward points per month, you can easily get more than 10% return.
Apart from that, you will also get access to amazing Amex offers (merchant offers and spend based offers) which are very profitable most of the time.
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This is the new choice for 2022 for entry-level cardholders as 5% cashback is very lucrative, with a good cap of INR 10,000 per month, which equates to 2L of monthly spend.
If you shop a lot on Amazon and if you’re an Amazon Prime customer, you can’t afford to miss out on this amazing card.
Premium credit cards come into play when your lifestyle has a bit of a luxury factor. It comes with several travel benefits such as access to local and international lounges, better reward rate, etc.
If most of your expenses are on the Internet and do not exceed 40 thousand per month, you should not miss this great product. The problem, however, is that you have to settle for the not-so-great premium customer support.
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The main feature of this card apart from the rewards and merchant offers is the ability to get a Priority Pass for family members who also share the free lounge entry limit.
There is a big money saver in this aspect, for those who cannot afford HDFC Super Premium Credit Cards.
If your monthly expenses are higher, don’t miss it, especially if you prefer non-travel benefits like stmt credit card cashback or Amazon/flipkart vouchers as a redemption option.
When your life is full of travel, that’s when you need to get these exclusive travel credit cards.
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The American Express Platinum Travel Card is the best travel credit card in the country! It persists even after recent changes to recovery options.
I personally enjoy using this card as it helps me stay at a unique Taj hotel every year using free Taj vouchers.
The first year free offer (extended for now) on this card is not something you can’t miss. The return on spending that this card gives you is still amazing.
But the problem lately is that the service is generally degrading. Seats are also becoming more difficult to book via coupons in crowded sectors such as DEL/BOM.
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I expect this to improve as airlines get back on track at full capacity, but we’ll have to wait and see.
If for some reason your trip includes flying with Air India, you should not skip this product. It’s a big outlay, but it’s decently rewarding.
If you can redeem the ticket that comes with long haul (or) first class work by keeping the above things in mind, you can easily save a few lakhs.
Premium super credit cards are those that come with a higher rewards rate, higher credit limit, unlimited lounge access, benefits associated with a better card and many more benefits you may need to manage a luxurious lifestyle.
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Axis Magnus gives you new airport experiences, such as going through airport queues with its free meet and greet services, which is very useful in times like this.
Also, the card is supercharged with >6% rewards if you use >1 liter each month. Recently added points transfer partners can help you get rewards like never before. It is the top pick for 2022.
Infinia is everyone’s dream, without exception. It has everything you need. If you’re looking for one credit card for all your expenses, this is it.
With its 10X lucrative rewards program (Smartbuy), it is undoubtedly one of the best credit cards in India, possibly in the world.
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If you don’t have the chance to grab an Infinia, Diners Black is a good alternative. For some rare, Diners Black is better than Infinia because it comes with monthly bonuses and
The only downside is the lower acceptance of Diners cards in India compared to Visa/MasterCard, which means you need to have an extra card on hand.
Just like HDFC Infinia/Diners Black, Stan. The C Ultimate Card also comes with a bonus rate of 3.3%. The USP of this card is that you get reward points on almost every expenditure.
Note: Check with the SC department of the Ultimate Visa card, as different sources have different answers about issuing a new card.
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Premium credit cards are very different from other types of cards because these cards are meant to give you via benefits rewards, such as:
However, throughout 2020 and 2021 we have seen fantastic non-travel deals due to covid. So I expect the same in the first half of 2022 as well, and by the end of that both the Covid and Amex bans should be back to normal.
If you love complimentary meet and greet service and luxury airport transfers apart from unlimited lounge access benefits, this card is a must-have in your wallet. However, it only provides great value if you play golf often.
As much as you need. Start with two cards if you are new to the system and gradually increase the number based on your spending. 5 cards is enough for most people.
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Amex & Citi are the top credit card issuers known for their outstanding support. You can also enjoy a similar treatment with any bank, as long as you take their premium cards.
HDFC Bank is the market leader and they also have very good business offers. So start with HDFC and add others as per your requirements. Consider having one Amex card for the mix.
No. Simply purchase HPCL gift cards, HP Paycode or the HP Pay app with one of your existing cards. Works well for most people. You can also use Paytm Wallet.
Uni card is better than chip because of the support and overall user experience. Trade offers are fine these days on most BNPL cards, but like CRED, offers are for customer acquisition only.
Best Credit Card Offers
I made the list above assuming that most of the covid landscape will flatten out by April 2022 or so, which is why a lot of travel tickets made the list this year.
And let’s not forget that the credit card industry in India is rapidly changing as we have seen many new cards since the last couple of years. You can stay up to date with the trend by signing up for our free instant email notification service.
If you feel the list is too much to handle, feel free to get my one-on-one credit card counseling service [it’s an ongoing offer]. You probably have a credit card or two in your wallet. This means that you already understand the importance of credit cards. Not only do they make it easy to keep track of your transactions, but you also need them to build your credit (in other words, a measure of your credibility to repay money loaned to you).
But did you know that for business owners, having a business credit card is essential? Similar to the process of building your personal credit, you use business credit cards for that
Best Credit Cards In India For 2023 [detailed Reviews]
Credit. A good credit history will increase your SME’s credibility and trustworthiness in the eyes of other credit card companies, banks and investors (making it easier for you to get loans and lower interest rates). Additionally, business credit cards typically have much higher credit limits than personal credit cards, making large or group purchases easier.
In other words, responsible credit card use is a boon to your business (or even seemingly irresponsible credit card use—CEO Chris Ronzio deliberately leveraged $300,000 in debt to successfully grow his business).
You’ll know this from your personal credit card usage, but different credit cards have different benefits. Some come with points that accumulate with each transaction and can be used to buy goods, book travel or order other services. Others offer cash back – AKA expenses
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