Best Credit Cards You Should Apply In 2022

Credit Cards are in demand more than ever because of their awesome benefits and exclusive rewards. There are so many of them available today that it is very difficult to pick the one best suitable. Therefore, we have got the Best Credit Cards You Should Apply In 2022! Let's check them out.

If you want to apply for credit with Zero Annual Fee here is the best choice. The best part is one doesn't need to pay any annual or renewal fee. Apart from these benefits, one gets Amazon Pay Cashback by applying this card. Prime Members get Rs.400 amazon pay cashback and non-prime members get Rs.300 as amazon pay cashback. You also get 5% cashback on every spend or purchase through it. You can go through the Terms & Conditions Here.

1. You can Earn 5% back on Amazon.in for Amazon Prime customers
2. Get to Earn 3% back on Amazon.in for non-prime customers
3. Simply Earn 2% back on 100+ Amazon Pay partner merchants by using this card on Amazon Pay
4. Also Earn 1% cashback on all other purchases including shopping, dining, insurance, holidays, etc.

You can apply for American Express Payback Credit Card as it has many offer and rewards. The Joining fee for this Credit Card is Rs.750 annually. You will get Rs.750 Flipkart Voucher as Joining bonus after making 3 transactions within 60 days. I personally believe Amex is the best card. It gives many offers and rewards to the customers.

Welcome Gift - Get Flipkart voucher worth Rs.7503 on taking 3 transactions within 60 days of Card membership.

Milestone benefits - One will receive Rs.7000 Flipkart Vouchers after spending of Rs.2.5 lakh in a card membership.

You will receive a Flipkart voucher Rs.2000 after spending 1.25 lakh in a year and another Rs.5000 voucher after spending Rs.2.5 lakh in a card membership.

3. Flipkart Axis Bank Credit Card

The flipkart Axis bank card is co branded as a shopping Credit card. It gives many many benefits. Get Cashback with every transaction on Flipkart, Myntra and 2GUD & get 4% cashback on preferred merchants.

Category - Shopping Card.

This one is best for one who spends more on flipkart.

1. Rs.500 Off On Domestic hotels on Goibibo on minimum booking of Rs.2000
2. Rs.500 Off On Domestic hotels on Makemytrip on minimum booking of Rs.2000.
3. Get Rs.15% Cashback on Myntra on 1st transaction using flipkart axis bank credit card etc.

Down Sides - Annual Fee Rs.500 + GST only reversed only if you spend 2 lakhs in Year.

1. 5% Cashback on Flipkart and Myntra.
2. 4% Cashback on partner merchants.
3. 1.5% Cashback on all other spendings.
4. 4 Free Domestic Airport lounge access per year.

It is recommended for shoppers. It gives good discounts and rewards on shoppings. This Card is very good for beginners those who spend more in online shopping

Category - Shopping Card

Annual Fee - Rs.499

Renewal Fee - Rs.499

Welcome Gift - Get Amazon gift card worth Rs 500 on joining

1. 2.5% value back on Amazon/BMS/cleartrip/Netmed
2. 1.25% value back on other online spending or shopping
3. 5% Extra Cashback on spending via SBI Yono (Amazon/Flipkart/etc)

1. 10x & 5x reward points capping 10000 per month.
2. Offline spending value cash 0.25%.

So I believe that the reward is a little less and the value back of just 0.25% On Offline spending is very less. so I recommended it would be good for beginners.

This card is really very good for those who spend minimum 1 lakh on online shopping, normal spending and wallet loading.

Card category - Online Shopping / other spendings

1. 2.5% CashBack on all online spends
2. 1% CashBack on all offline spends and wallet reloads
3. 8 Complimentary Domestic Airport Lounge access annually
4. Up to 5% extra cashback on spending via HDFC smart buy ( Amazon/Flipkart/etc)

1. One should have to spend a minimum Rs.2000 to get cashback. Cashback is given Rs.750 for shopping, Rs.750 for online shopping and Rs.750 for offline and wallet which i feel little less.
2. So for Redemption of points one should have a minimum 2500 points and points validity is for only 1 year. I think this is the major downside of this card.

This card is highly recommended for people who spend more on utility bills, Online food ordering, normal online and offline spendings.

Card Category - Utility Bill, other spendings

1. Get 5% Cashback on utility bill payment via google play.
2. Get 4% Cashback on OLA, Swiggy, Zomato, etc
3. Get 2% Cashback on other spending
4. Get 4 Free Domestic airports lounge access per year.

Annual Fee Rs.499 + GST only reversed if you spend 2 lakh in a year. So the annual fee is good but the speding to reverse gst is a little high according to me.

It has a good bonus and amex offer. Monthly bonus is very attractive and if you want to hold an Amex Credit card then MRCC is the best card.

Card Category - Bonus and Amex Offers.

• If you use this card and do at least 4 transactions and each transaction is for a minimum 1000 then you will get a 1000 membership reward bonus up to 9.5%. Which is really very attractive.
• Amex gives it extra offers from time to time every month.

• The Charge of the card is quite high. But if you join this card via referral link then charges may decrease.
• No Lounge access facility on this card.

This is the best credit card for those who love travelling and spending Rs.8 lakh per year. Get Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region.

Card Category - Travel , Shopping and everything

1. Complimentary Club Marriott membership for first year
2. Unlimited airport lounge access across the globe for Primary and Add-on member
3. 5 Reward Points for every ₹ 150 spent
4. Get 3.33% rewards rate for all spending. It also has 10x reward system ( i.e 33.33% reward rate)

Reward Point redemption is up to 70% on Travel booking.

This card is really very good for saving your money on fuel expenses.

1. 4 Turbo points / Rs. 150 spent
2. 1 Turbo Point = Re. 1 of free fuel

Redeem now or keep collecting – it's a choice you have because your Turbo points will never expire

This Card is really good for online shopping users. It give instant cashback on your Spend.

Card Category – Online Shopping

1. 3% Cashback on Paytm Mall, Movies and Travel
2. 2% Cashback on all other purchases on Paytm App
3. 1% Cashback on any other spends across millions of offline and online stores

It offers an experience like no other with exclusive offers and benefits. In India, the Diners Club card is available through HDFC Bank.

Card Category - Shopping and Travelling

Dining Offers:- Enjoy 15% discount and more benefits at partner restaurants.

Lounge Access: - You will receive complimentary access to lounges around the world and within India. Rest, relax and freshen up between your travels when you carry your Diners Club Card with you.

• You can earn 10x reward points when you shop at the partner stores.
• Flipkart, Snapdeal, Cleartrip, Goibibo, Yatra, Lifestyle etc.

These were the best credit cards for 2022 in India. Do share your views on it via the comments box below.