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: 05 Mar, 2021, 19:50 IST
105 22466

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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@edges
FK axis cc has joining fee but you will get 500rs gv after joining and next year onwards getting waived if you spent more than 2L in a year.

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Best way to get Axis CC ?
Applied 2 times got rejected both times.
Salaried.
Have 3 yr old Axis account with MAB 50-60K , yet they are rejecting my application.
Also have 5 more CCs with decent limit

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Best is FK AXIS CARD
As it gives flat 1.5% CB on each spent ,on next month bill. (Except gold purchase and wallet top up)
5% flat CB on Flipkart Myntra transactions.

If any one is dealing with insurance point kind of job he/she can get more benefits as 1.5% CB on each transaction.

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Topsey wrote:

Best way to get Axis CC ?
Applied 2 times got rejected both times.
Salaried.
Have 3 yr old Axis account with MAB 50-60K , yet they are rejecting my application.
Also have 5 more CCs with decent limit

Go through bank. They will make it for sure.

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Saroj49 wrote:

Go through bank. They will make it for sure.

U sure ? What’s the difference between applying online and doing the same through branch?

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Topsey wrote:

Best way to get Axis CC ?
Applied 2 times got rejected both times.
Salaried.
Have 3 yr old Axis account with MAB 50-60K , yet they are rejecting my application.
Also have 5 more CCs with decent limit

Applied through FK?

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kapilsuneja12519 wrote:

Applied through FK?

Applied through Axis NetBanking.
It showed In principle approved. I had to complete the KYC only. After 30 days of completing KYC, it was rejected

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Topsey wrote:

Applied through Axis NetBanking.
It showed In principle approved. I had to complete the KYC only. After 30 days of completing KYC, it was rejected

Contact customer care ..once!!!

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Topsey wrote:

Applied through Axis NetBanking.
It showed In principle approved. I had to complete the KYC only. After 30 days of completing KYC, it was rejected

Apply through FK app.

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kapilsuneja12519 wrote:

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

In hdfc millenia also no offer required , just use hdfc smart buy get 5% cashback in statement in next month or max 90 days from end of month and also get 5% reward point credited in 2nd of next month.that is 5% + 5% = 10 % always. I own the millenia card its amazing to have this kind of credit card , if there is offer on amazon 10% off then we get 10% off+ 5% cashback + 5% reward point which totals to 20% off. Example , during amazon offer,if i purchase a product for 5000 then , get 10% off = 500 + 5% cashback on 4500(5000-500) = 4500×5% = 225 + we get 225 reward point which totals to 500+225+225= 950 off on 5000= 19% discount. This amazon pay icici card cannot give. So best is hdfc millenia card. I own and i get this offer every time on flipkart and amazon. Try it buddy ..

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rajlumar08773 wrote:

What about Regalia credit card

Not at all good as compared to hdfc millenia card. I have both the card in my house. Hdfc millenia is way ahead then regalia.

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Topsey wrote:

Best way to get Axis CC ?
Applied 2 times got rejected both times.
Salaried.
Have 3 yr old Axis account with MAB 50-60K , yet they are rejecting my application.
Also have 5 more CCs with decent limit

Use your debit card to shop and also do as much txn as you can i mean fund transfer like rotating from 1 account to another. I did 7 lacs plus fund transfer in and out in last 6 months and guess what i got pre approved my zone card and then after 6 months called customer care and got flipkart card and again after 8 months i called customer care and got ace card also and in same month i got an upgrade from my zone to privilege card, and now i have 3 active cards with sharing limit. So,use neft rtgs to receive funds mostly, u can also use upi . Do small txn 10k to 50k only , transfer to friend ,and ask friend to send again to you. Good luck.

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Saroj49 wrote:

Best is FK AXIS CARD
As it gives flat 1.5% CB on each spent ,on next month bill. (Except gold purchase and wallet top up)
5% flat CB on Flipkart Myntra transactions.

If any one is dealing with insurance point kind of job he/she can get more benefits as 1.5% CB on each transaction.

Nope ,instead for insurance purpose use ace card get 2% cashback. One more thing best is hdfc millenia card. How ? Let me explain in view for insurance purpose- I use millenia card to pay my relative insurance premium on amazon ,i use directly on amazon to get 2.5% reward points. Reward point will get credited in 2nd of next month for ex- you did several txn during jan 2021 and rewards point will gets credited on 2nd of feb 2021 just after 1 day from end of the month.
Also let me explain in view for amazon / flipkart shopping purpose – you get 5% cashback + 5% reward point = 10% on amazon and you get 1% cashback + 5% reward point = 6% on flipkart. Hope it helps, i have millenia card, flipkart card, ace card . I get these points always.

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Any leads on Yes Bank Credit Card ? Except the yes first exclusive/preferred all other cards appears to be dead, very low reward rate on them with minimal features; If someone using Yes bank CC as primary card, please tell if any real benefits there…

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Which cards giving best best referral rewards or best joining benefits?

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Topsey wrote:

U sure ? What’s the difference between applying online and doing the same through branch?

Same. Only fk is running a luckydraw for every 1000th cc applied customer.

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dipakkumar8666 wrote:

In hdfc millenia also no offer required , just use hdfc smart buy get 5% cashback in statement in next month or max 90 days from end of month and also get 5% reward point credited in 2nd of next month.that is 5% + 5% = 10 % always. I own the millenia card its amazing to have this kind of credit card , if there is offer on amazon 10% off then we get 10% off+ 5% cashback + 5% reward point which totals to 20% off. Example , during amazon offer,if i purchase a product for 5000 then , get 10% off = 500 + 5% cashback on 4500(5000-500) = 4500×5% = 225 + we get 225 reward point which totals to 500+225+225= 950 off on 5000= 19% discount. This amazon pay icici card cannot give. So best is hdfc millenia card. I own and i get this offer every time on flipkart and amazon. Try it buddy ..

I know man.but icici amazonpay is good.no capping on cashback which you know in hdfc there is cap.

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dipakkumar8666 wrote:

In hdfc millenia also no offer required , just use hdfc smart buy get 5% cashback in statement in next month or max 90 days from end of month and also get 5% reward point credited in 2nd of next month.that is 5% + 5% = 10 % always. I own the millenia card its amazing to have this kind of credit card , if there is offer on amazon 10% off then we get 10% off+ 5% cashback + 5% reward point which totals to 20% off. Example , during amazon offer,if i purchase a product for 5000 then , get 10% off = 500 + 5% cashback on 4500(5000-500) = 4500×5% = 225 + we get 225 reward point which totals to 500+225+225= 950 off on 5000= 19% discount. This amazon pay icici card cannot give. So best is hdfc millenia card. I own and i get this offer every time on flipkart and amazon. Try it buddy ..

Joining charge ?
What is HDFC smart buy ?
Is it eligible to give cashback for each transaction on Flipkart and Amazon or any cap on getting cashback value ?
What about all other expenses, any cashback on that too ?

Coz I have fk axis card and getting good value. Regularly updated cashback in next month statement.

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Saroj49 wrote:

Joining charge ?
What is HDFC smart buy ?
Is it eligible to give cashback for each transaction on Flipkart and Amazon or any cap on getting cashback value ?
What about all other expenses, any cashback on that too ?

Coz I have fk axis card and getting good value. Regularly updated cashback in next month statement.

Hdfc smartbuy is hdfc shopping portal for instant Gift voucher, hotel and trvel bookings , shopping from amazon and flipkart . You can say like CashKaro or gopaisa.com. Card fee is 1000 but anyone can make lifetime free. Hdfc all card can be lifetime free by using some small task. Mine is lifetime free. Minimum txn to get reward points is 2000 but you no minimum limit for cashback from smartbuy portal. Maximum cashback limit from smartbuy portal is 1000 per month and maxium reward points can be earned from millenia credit card is 750+750+750 = 2250 point per month, 1 point = 1 rupee redeemable to statement. 750 reward point for smartbuy txn. + 750 point for normal all other online txn. Non smartbuy portal txn. + 750 reward point for wallet loads and offline txn., this totalls to 2250 points. For middle class person, normal users its enough. Other online txn means anything online min txn amount 2000, like i do insurance premium payment for my relatives on amazon directly to get 2.5 % reward point, for shopping from amazon and flipkart amd purchasing gift vouchers i use smartbuy portal which gives me both cashback as well as reward points, also i load paytm walllet to get 1% cashback upto 750 per month , for walllet loads min minimum txn amount is 100 rupees only .

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Saroj49 wrote:

Joining charge ?
What is HDFC smart buy ?
Is it eligible to give cashback for each transaction on Flipkart and Amazon or any cap on getting cashback value ?
What about all other expenses, any cashback on that too ?

Coz I have fk axis card and getting good value. Regularly updated cashback in next month statement.

I also have flipkart axis card and also have ace card but for txn more than 2000 and wallet loads i use millenia cc and for all other txn offline i use ace card, if there is something costly that I purchased from flipkart then only i use flipkart axis card.

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dipakkumar8666 wrote:

Use your debit card to shop and also do as much txn as you can i mean fund transfer like rotating from 1 account to another. I did 7 lacs plus fund transfer in and out in last 6 months and guess what i got pre approved my zone card and then after 6 months called customer care and got flipkart card and again after 8 months i called customer care and got ace card also and in same month i got an upgrade from my zone to privilege card, and now i have 3 active cards with sharing limit. So,use neft rtgs to receive funds mostly, u can also use upi . Do small txn 10k to 50k only , transfer to friend ,and ask friend to send again to you. Good luck.

Did you get axis privilege card as life time free or yearly charges…?

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vishal_ag wrote:

Which cards giving best best referral rewards or best joining benefits?

American Express!

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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.

@edges; https://cdn0.desidime.com/attachments/photos/662851/medium/IMG-20210109-WA0006.jpg?1612156442

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chargable 1500+gst = 1770 fees , i paid fees and got shopping voucher worth 5000 and i selected 4000 apollo pharmacy GV and also 1000 pizza hut GV . i will use 2.5 lac by adding money in paytm wallet. this card gives 1% re ward rate normally but you can get 2% by redeeming shopping voucher like i did after paying fees.

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dipakkumar8666 wrote:

chargable 1500+gst = 1770 fees , i paid fees and got shopping voucher worth 5000 and i selected 4000 apollo pharmacy GV and also 1000 pizza hut GV . i will use 2.5 lac by adding money in paytm wallet. this card gives 1% re ward rate normally but you can get 2% by redeeming shopping voucher like i did after paying fees.

Which card are you talking about & paytm now charges 2% for adding money to wallet using credit card for most users?

replyuser