Best Credit Cards You Should Apply In 2021

Thinking to opt for a Rewarding Credit Card? Well, you have come to the right place. Get to know the Top Credit Cards of 2021 in terms of Privileges, Offers, and Exclusive Benefits.

by Rosh_0007 Updated: 28 Feb, 2021, 12:51 IST
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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 2021! Let's check them out.

1. Amazon Pay ICICI Bank Credit Card

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.

Amazon Pay ICICI Bank Credit Card Benefits
  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.
2. AMERICAN EXPRESS PAYBACK CREDIT CARD

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.

Attractive Welcome Gifts
  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.

Strong Sides
  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.


4. SBI SimplyClick Credit Card

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

Strong Sides
  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)
Down Sides
  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.


5. HDFC BANK MILLENIA CREDIT CARD

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

Strong Sides
  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)
Down Sides
  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.


6. Axis Bank Ace Credit 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

Strong Side
  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.
Down Side

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.


7. Amex Express Membership Reward Credit Card

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.

Strong Side
  • 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.
Down side
  • 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.


8. HDFC Infinia Credit 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

Strong Side
  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)
Down Side

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

9. IndianOil Citi Fuel Credit Card

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

Strong Side
  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

10. Paytm SBI Card

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

Card Category – Online Shopping

Strong Sides
  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
11. Diners Club International Credit Card

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

Strong Side

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 2021 in India. Do share your views on it via the comments box below.

105 Comments  |  
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Is it possible to get amex payback cc as ltf? If so how?

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First Year fee : Rs. 495 plus taxes
Second Year onwards : Rs. 495 plus taxes. (Spend Rs. 40,000 in a Cardmembership year and get fee waiver)

Imho, the MR card is much better in terms of rewards, and if you apply via a referral, joining fee is NIL and the annual fee is just 1500 plus taxes (50%/100% waiver on 90k/150k spend).
Moreover, under the current promotion(ending today), you get points and amazon gc worth 1500 that makes it free for 2 years.

DM me for additional benefits.

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Good info. Milestone benefits for SimplyClick is missing

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In all these credit card comparisons, no one mentions about one of the best fuel card.. that’s HDFC Bharat card.. it gives 5% cash back for fuel in all outlets.. very good for beginners.. Annual fee waived with 20k spends..

Few catches.

1. 5% capped at 150 per month. So, usable for only 3k fuel per month.
2. You can redeem cashback only after accumulation of 2.5k which will take more than a year.

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pnagaraj wrote:

In all these credit card comparisons, no one mentions about one of the best fuel card.. that’s HDFC Bharat card.. it gives 5% cash back for fuel in all outlets.. very good for beginners.. Annual fee waived with 20k spends..

Few catches.

1. 5% capped at 150 per month. So, usable for only 3k fuel per month.
2. You can redeem cashback only after accumulation of 2.5k which will take more than a year.

thanks buddy ..will update in comment

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pnagaraj wrote:

In all these credit card comparisons, no one mentions about one of the best fuel card.. that’s HDFC Bharat card.. it gives 5% cash back for fuel in all outlets.. very good for beginners.. Annual fee waived with 20k spends..

Few catches.

1. 5% capped at 150 per month. So, usable for only 3k fuel per month.
2. You can redeem cashback only after accumulation of 2.5k which will take more than a year.

20k to 50k now, moreover issuing has been halted as of now…

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same on ICICI Platinum Credit Card(Smartshopper) 5% cash back on all Indian Oil Outlets

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dealcracker25 wrote:

Can someone make a list of good LTF cards please? Thanks in advance!

Amazon Pay Icici credit card is best i feel!

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Best Card
1. Millennia
2. Ace

If you have these 2 no need for other
Why ?

Use ace for offline/bill payment
Use mill for on Amazon (10%) /Fk(6%) via smtbuy

No need to run after apay card since discounts are not getting applied

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Can anybody confirm if fk axis cc has no joining fees as axis website and cc mention that joining fees of 500+gst will be charged in first months statement whereas the sales executives along with manager mention that there is no joining fees.

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edges wrote:

Can anybody confirm if fk axis cc has no joining fees as axis website and cc mention that joining fees of 500+gst will be charged in first months statement whereas the sales executives along with manager mention that there is no joining fees.

It’s 500 + gst and you get 500 FK voucher which makes it free for first year effectively.
Benefits outlay the cost.recommended!!

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SastaRaju wrote:

Best Card
1. Millennia
2. Ace

If you have these 2 no need for other
Why ?

Use ace for offline/bill payment
Use mill for on Amazon (10%) /Fk(6%) via smtbuy

No need to run after apay card since discounts are not getting applied

Amazon pay helps when there is no offer on amazon ,see my cards list above. 🤐

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job4ram wrote:

20k to 50k now, moreover issuing has been halted as of now…

Thanks for the info. Checked now and realized that they changed it to 50k. And I never got annual charges (my annual spend was >50k).

Then for fuel, I would say Standard Chartered Super Value Titanium card is the best. I have that one too. But it is effectively 4% cashback. We can use in all petrol pumps. But min transaction for cashback is Rs.750 (so, using only for car). And annual fee 750 waived off only after spending 90k (that is high – when I got it was 30k or 60k). Anyways, if you have decent spends, customer care can waive that fee for you. Getting a standard chartered card is easier in big cities, but difficult/impossible for small towns or villages.

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Rosh_0007 wrote:

Amazon Pay Icici credit card is best i feel!

Yes. No need to prepare a list. Amazon Pay ICICI card is the best. No headaches of tracking reward points. We get Amazon Pay balance and use for shopping/payments. Only thing is that, Amazon Pay balance received might expire in an year (keep using it as and when you get).

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pnagaraj wrote:

Yes. No need to prepare a list. Amazon Pay ICICI card is the best. No headaches of tracking reward points. We get Amazon Pay balance and use for shopping/payments. Only thing is that, Amazon Pay balance received might expire in an year (keep using it as and when you get).

yeah very easy to use and get cashback in apay wallet..

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neehesh wrote:

Is it possible to get amex payback cc as ltf? If so how?

I am not sure but you can use the referral for benefits.

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If anyone looking for Amex Express Membership Reward Credit Card referral please let me know I will provide both will get benifits.

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dealcracker25 wrote:

Can someone make a list of good LTF cards please? Thanks in advance!

Hope it help you ..

  1. Citi Reward Domestic
  2. standard charted visa platinum card
  3. Indian Oil Citi Platinum card
  4. Yes prosperity reward plus card
  5. Kotak Urbane Gold
  6. Icici Platinum Chip card
  7. Icici HPCL Coral
  8. Hdfc Bharat cashback card
  9. Amazonpay Icici Credit card
  10. HSBC visa Platinum card
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Rosh_0007 wrote:

Hope it help you ..

  1. Citi Reward Domestic
  2. standard charted visa platinum card
  3. Indian Oil Citi Platinum card
  4. Yes prosperity reward plus card
  5. Kotak Urbane Gold
  6. Icici Platinum Chip card
  7. Icici HPCL Coral
  8. Hdfc Bharat cashback card
  9. Amazonpay Icici Credit card
  10. HSBC visa Platinum card

Great! Kg+

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