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
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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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pnagaraj wrote:

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.

For Standard Chartered Super Value Titanium card:
Max 100 cb per Txn and 200 per month

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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 ..

In Millennia cc
5% cb via SmartBuy is a card feature. Other 5% u get only in SmartBuy sale.
.
So
SmartBuy sale = 5+5%
No sale =5+0%
(Cross check, I may be wrong )

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mobileyog wrote:

Which Axis Bank Credit card is best?
Flipkart AXIS card is of not much use as I prefer to use Amazon.

How is Freecharge Axis Card ?
Is there any true LTF card from Axis ? Or with min spend based waiver like 50k , 1 Lakh?

Axis Neo is LTF card.
Cross check

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ManojSingla wrote:

In Millennia cc
5% cb via SmartBuy is a card feature. Other 5% u get only in SmartBuy sale.
.
So
SmartBuy sale = 5+5%
No sale =5+0%
(Cross check, I may be wrong )

you are wrong, i am getting 10% , it is also written on HDFC terms and condition. read it. i have millennia credit card from 8 months now. you giving details for millennia debit card. check before you comment. millennia CC eligible foir 5% smart buy cashback + 5% reward point (card feature )= total 10% and for flipkart its 1% +5% =6%

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Rosh_0007 wrote:

thanks for the information!!!

axis neo card is not free, annual fee is 250 , if you get pre approved , then its LTF or you can request to make LTF to customer care.

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dipakkumar8666 wrote:

axis neo card is not free, annual fee is 250 , if you get pre approved , then its LTF or you can request to make LTF to customer care.

Did u tried.. they gave for LTF.. After calling customer care?

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i don’t need, i have ace card , flipkart card, and privilege card. i am holding 3 axis cards currently. so i dont need neo card

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Rosh_0007 wrote:

Did u tried.. they gave for LTF.. After calling customer care?

i don’t need, i have ace card , flipkart card, and privilege card. i am holding 3 axis cards currently. so i dont need neo card

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Which credit card is best for offline shopping? and which one is best for fuel?
I have regalia but its reward system is not so rewarding.

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dipakkumar8666 wrote:

i don’t need, i have ace card , flipkart card, and privilege card. i am holding 3 axis cards currently. so i dont need neo card

do ace card and fk axis card have shared limit?? or they have separate limit??

if separate, how did u manage to get separate limits??

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aniket1587 wrote:

do ace card and fk axis card have shared limit?? or they have separate limit??

if separate, how did u manage to get separate limits??

same limit shared with all 3 cards , customer care gave me option to apply fresh card with separate limit but fresh apply will have hard cibil enquiry and also can be declined if some issue found in cibil or income documents . income documents is must for fresh apply. so i opted for shared limit. one more thing, in cibil your limit will be not shared . suppose i have 50k limit shared with 3 cards but cibil shows 50k limit each card and during November month i used around 42k from ace and flipkart card , which should be 82% usage but in cibil they detected around 28% usage which did not hamper my cibil . in cibil it shows total limit 150000 .

replyuser