Top 10 Credit Cards In India In 2023

Best Credit Cards in India for 2023: A Comprehensive Guide
Credit Cards In India


If you're on the hunt for the perfect credit card to suit your needs in 2023, you've come to the right place. In India, the world of credit cards is diverse, offering a plethora of options catering to various user segments. To make your search easier, we've conducted an analysis of over 150 credit cards from various banks and compiled a list of the best credit cards for 2023. Whether you're after cashback rewards, lounge access, complimentary hotel stays, or business class tickets, we've got you covered.


Let's start with an overview of the top credit cards in India for 2023. We've included the maximum potential reward rate and the joining fee for each card. It's important to note that we've highlighted the maximum reward rate, which may not be the standard rate for some cards.

1 Amex MRCC ~5% FYF (First Year Free)
2 SBI Cashback Card 5% FYF
3 IDFC First Wealth ~2.5% LTF (Lifetime Free)
4 Amex Gold Charge 1% – 4% 1,000 INR
5 Amex Platinum Travel ~8.5% FYF
6 Axis Atlas 2% – 4% 5,000 INR
7 Axis Vistara Infinite ~10% 10,000 INR
8 HDFC Marriott Credit Card ~2% 3,000 INR
9 SBI Air India Signature 5% – 8% 5,000 INR
10 Axis Magnus 2.4% – 24% 10,000 INR
11 HDFC Infinia 3.3% FYF
12 Stan C Ultimate 3.3% 5,000 INR
13 Amex Platinum 1.25% – 2.5% 60,000 INR
14 Axis Reserve 3% – 6% 50,000 INR

It's important to mention that while some of these credit cards have high joining fees, they often come with equivalent welcome gifts, which can more than compensate for the initial cost.

Entry Level Credit Cards

If you're new to the world of credit cards and looking for options tailored to beginners, you should consider entry-level credit cards. These cards are ideal for those with an annual income of at least 5 Lakhs and suggested spending of around 1 Lakh or more.

1. Amex MRCC (American Express Membership Rewards Credit Card)

American Express Membership Rewards Credit Card Review (MRCC) – CardExpert

  • Best for: Gold Collection & Points Transfers
  • Read Review & Apply: [American Express MRCC Review](insert link)

The American Express Membership Rewards Credit Card (MRCC) offers an excellent entry point into the world of Amex. Even if you only use this card to earn the 1000 MR bonus points monthly, you can easily achieve a return of more than 5%. Additionally, the card provides access to enticing Amex Offers, including merchant offers and spend-linked offers that are often highly lucrative.

Apply now: [Amex MRCC]

2. SBI Cashback Card

  • Best for: Up to 5% Cashback on Online Spends
  • Read Review & Apply: [SBI Cashback Card Review](insert link)

The SBI Cashback Credit Card is a hot pick for entry-level cardholders in 2023. Even after recent devaluations, the 5% cashback on online spending remains attractive. With a generous maximum cap of 5,000 INR per month, this card effectively translates to 1 Lakh in monthly spends.

Premium Credit Cards

For those with an annual income of at least 12 Lakhs and a suggested spending range of 6 Lakhs or more, premium credit cards offer a touch of luxury to your lifestyle. These cards provide enhanced travel benefits, such as domestic and international lounge access, better reward rates, and more.

3. IDFC First Wealth Card

IDFC First Wealth Credit Card Review – CardExpert

  • Best for: Spending >1L in a Billing Cycle & Airport Lounge Access
  • Read Review & Apply: [IDFC First Wealth Credit Card Review](insert link)

The IDFC First Wealth Credit Card is ideal for individuals with higher monthly spending who prefer non-travel rewards, such as statement credits or Amazon/Flipkart vouchers. It also grants access to both domestic and international airport lounges, along with domestic airport spas.

Apply now: [IDFC First Wealth Card]

4. Amex Gold Charge (American Express Gold Charge Card)

  • Best for: Higher Credit Limit & Gold Collection Rewards
  • Read Review & Apply: [American Express Gold Charge Card Review](insert link)

If you're seeking a higher credit limit and can't secure it through other credit cards, the American Express Gold Charge Card might be the solution. It also provides rewards on fuel and utility expenses, setting it apart from most other cards in its segment. This card complements the Amex MRCC, allowing you to expedite 24K gold redemptions.

Apply now: [Amex Gold Charge]

Travel Credit Cards

For those with a travel-oriented lifestyle, travel and airline credit cards offer exclusive benefits, such as travel vouchers, points, or miles instead of cashback.

5. Amex Platinum Travel (American Express Platinum Travel Card)

  • Best for: Taj Vouchers & Access to Premium Airport Lounges
  • Read Review & Apply: [Amex Platinum Travel Review](insert link)

The American Express Platinum Travel card stands as the best travel credit card in India. Even after recent changes in redemption options, it remains a favorite. This card provides complimentary Taj Vouchers, allowing you to stay at a unique Taj property every year.

Apply now: [Amex Platinum Travel]

6. Axis Atlas Credit Card

Axis Bank Atlas Credit Card Review – CardExpert

  • Best for: ITC & Other Airline Transfer Partners
  • Read Review & Apply: [Axis Atlas Credit Card Review](insert link)

The Axis Bank Atlas Credit Card has recently been updated with a better reward rate. It features the unique selling points of Axis Magnus and Reserve if you can achieve a high annual spend of 15 Lakhs. Accelerated rewards on airlines and hotels make this card attractive to some travelers.

Apply now: [Axis Atlas]

7. Axis Vistara Infinite Credit Card

  • Best for: Flying Vistara Business Class
  • Read Review & Apply: [Axis Bank Vistara Infinite Review](insert link)

This is the top airline credit card in India, offering impressive returns even after several years on the market. It's a must-have for frequent Vistara flyers, thanks to its gold-tier benefits. It also provides one complimentary business class ticket for every ~2.5 Lakhs spent. If you prefer premium economy vouchers, consider the SBI Vistara Prime Credit Card.

Apply now: [Axis Vistara Infinite]

8. HDFC Marriott Bonvoy Credit Card

HDFC Bank Launches the Co-Branded Marriott Bonvoy HDFC Bank Credit Card

  • Best for: Lucrative Joining/Renewal Benefits
  • Review: [HDFC Marriott Bonvoy Credit Card Review](insert link)

HDFC Bank's Marriott Bonvoy Credit Card is a noteworthy addition to the best credit cards list for 2023. While its ongoing spend reward rate is relatively low, it shines due to its incredible welcome and renewal benefits, which can easily provide 2x/3x the value of the annual fee.

9. SBI Air India Signature Credit Card

  • Best for: Flying Air India & Select Star Alliance Partners
  • Review (to be updated): SBI Air India Signature Credit Card Review

If your travel frequently involves Air India for any reason, you shouldn't overlook this credit card. It requires substantial spending but offers generous rewards. It's also worth noting that you can redeem Turkish miles for Air India domestic business class flights, offering good value for many economy redemptions. With the changes in ownership and airline mergers, 2023 and beyond may bring improvements to Air India.

Super Premium Credit Cards

Super premium credit cards are designed for individuals with an annual income of at least 20 Lakhs and suggested spending of 10 Lakhs or more. These cards provide higher reward rates, greater credit limits, unlimited lounge access, and a range of other perks for a luxurious lifestyle.

10. Axis Magnus Credit Card

Axis Bank Magnus Credit Card Review – CardExpert

  • Best for: Airport Meet & Greet Services
  • Read Review & Apply: [Axis Magnus Review](insert link)

Axis Magnus offers a unique airport experience with complimentary airport meet and greet services, which can be highly beneficial in certain situations. Additionally, the card is packed with fantastic rewards for those who spend more than 1.5 Lakhs per month, making it one of the best super premium credit cards in India and the world. The newly added points transfer partners can significantly enhance your reward rate, making it a top choice for 2023 despite recent devaluations.

Apply now: [Axis Magnus]


Choosing the Right Card

Selecting the best credit card for your needs in 2023 is simpler than ever, thanks to the competitive credit card offers available. Here's a quick guide:

  1. New to Credit Cards with Low Annual Spending (<5 Lakhs): Get the SBI Cashback Credit Card for significant online spending.

  2. Annual Spending >10 Lakhs: Consider the Axis Magnus along with one or two additional cards that match your lifestyle.

  3. Annual Spending >15 Lakhs and Unsure Where to Start: You may opt for one-on-one credit card consultation services to simplify card selection and gain end-to-end credit card application support.


Which Is the Best Credit Card in India for 2023?

The best credit card varies from person to person based on their annual spending and preferences. Calculate your annual spend and choose a card from the list above that suits your needs.

How Many Credit Cards Can I Have?

You can have as many credit cards as you need. If you're new to credit cards, start with two cards and gradually increase the count based on your spending. For most people, five credit cards are sufficient.

Which Credit Card Has the Best Customer Service?

American Express is renowned for its premium customer support. Most banks also offer excellent customer service for their super premium credit cardholders.

Which Bank's Credit Card Is Best in India?

HDFC Bank is the market leader and offers competitive merchant offers. You can start with HDFC and add other banks' credit cards as needed. Consider having at least one Amex card for variety.

Which Is the Best Fuel Credit Card?

You can use the Amex Gold Charge Card mentioned above for fuel purchases. Alternatively, you can buy HPCL gift cards, use HP Paycode, or the HP Pay app with any of your existing cards. Paytm Wallet is another option, provided you stay within your free load limits.

Bottom Line

It's fascinating to observe that the list of top credit cards is evolving every year. Although there are numerous cards available, we've focused on those with exceptional unique selling points to keep this list concise. We hope you find this list as helpful as we did in curating it for you.

Please note that the credit card industry in India has undergone rapid changes in the past two years. To stay updated with the latest trends, consider subscribing to our free email alerts service. We will provide updates to this article every three months or as needed, and you'll be notified via email.

What are your thoughts on the list of best credit cards for 2023 provided above? Feel free to share your opinions in the comments below, and we'll make amendments as necessary to keep the list relevant.




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