Top 10 Credit Cards in India

IndianOil which was founded in Citi Platinum Card an Indian state government owned oil and gas company headquartered in New Delhi. It has formation of subsidiaries in Sri Lanka, Mauritius, the UAE, Singapore, Sweden, USA. It has over 20 joint ventures with reputed business partners from India.  It's far more than being ranked 117th among the world's largest corporates in Fortune's 'Global 500' listing. It has won Super Buyer Award-2019 for excellence in Government e-Market Place award, Most Trusted Fuel and Lubricant Brand, Great Place to Work for the year 2019, Innovative CSR practices. Some of the benefits with Citi Platinum Card include availing up to 71 liters of free fuel every year, seek a complete waiver of the 1% fuel surcharge at these authorized Indian Oil outlets, make contact less payments etc.

SBI which was founded in 1 July 1955 is an Indian multinational, public sector banking and financial services statutory body with its government corporation statutory body headquartered in Mumbai. It is ranked as 236th in the Fortune Global 500 list of the world's biggest corporations of 2019. It has won 'Best Life Insurance Company' Award at ICC Emerging Asia Insurance Conclave, 'Gold' in 'Best Content Marketing Launch (National)' Foxglove Awards 2019, 'Silver' Award in the 'Best Brand Film, 'Golden Peacock Award for Risk Management' for the year 2018, RIMS India Enterprise RISK Management (ERM) Award of Distinction 2018 etc. Some of the benefits include discounts on flight and hotel bookings, complimentary lounge access (international as well as domestic), attractive offers on shopping, dining, and movie ticket bookings. Users can also get Club Vistara Membership, Trident Privilege Membership, International & Domestic Lounge Program Membership. In addition, the card enables users to avail up to 50,000 Bonus Reward Points (worth Rs. 12,500) per year.

Citibank which was founded in 1812 as the City Bank of New York is the consumer division of financial services multinational Citigroup and is the largest foreign direct investor in financial services in India. Citibank Credit Card goes by the name Cashback card as it is very popular towards providing a lot of cashback offers on purchases made. The bank has 2,649 branches in 19 countries, including 723 branches in the United States and 1,494 branches in Mexico operated by its subsidiary Banamex. Some of the benefits include TOP COMPANIES FOR WOMEN IN TECH, World's Best Bank for Corporate Responsibility, 32 LEADING EMPLOYERS IN LGBT INCLUSION IN MEXICO, 100% SCORE: CORPORATE EQUALITY INDEX, FINANCIAL SERVICES GENDER-EQUALITY INDEX etc. Some of the benefits of cashback card include Nil Joining fee, getting 0.5% cash back on other purchases made from this card. It also facilitates 1% waiver on fuel surcharge at Indian Oil outlets only. The annual fee is only Rs. 500 per annum. Besides one can convert your purchases above Rs. 2000 into Equal monthly installments as well.

HDFC Bank which was founded in August 1994 is an Indian banking and financial services company with a base of 111,208 permanent employees as of 30 September 2019. It is the 5th Largest Bank in India by assets. It is among the few banks of national importance which have zero debt exposure to Kingfisher Airlines. It has expanded its base in the rural areas, extending organized credit to people in the rural parts especially for housing. It has won 2nd SIDBI-ET India MSE Awards 2019, QIMPRO Awards 2019, BrandZ Top 75 Most Valuable Indian Brands 2019, Institutional Investor All-Asia (ex-Japan) Executive Team 2019 survey, Euromoney Awards for Excellence 2019 to name a few. Some of the benefits are most prominent for shopping, travel, and entertainment transactions. One can get 2 times the reward points on any air ticket booking or hotel booking and can further redeem those rewards points to further book air tickets or hotels. It also provides access to various airport lounges in India.

IndusInd Bank which was founded in 1994 is a Mumbai based Indian new generation bank. The bank provides commercial, transactional and electronic banking products and services. It has a network 180 branches along with 183 ATMs. It has won Golden Peacock Awards 2014. for Special Recommendation - Sustainability, Asia Corporate Excellence & Sustainability Awards, Asian Sustainability Leadership Awards. for Best Rural Outreach etc. The Platinum Card provides luxury offers to customers in dining as well as lifestyle benefits. Users can avail great discounts by using this card on BookMyShow or Shopping and travel partners like United Colors of Benetton, Satya Paul, Jet Airways. One can get 1.5 reward points on every 150 INR that the users spend. Their annual fee is nil. Users can also get access to Priority Pass Membership. 

ICICI which was founded in 1994 at the initiative of the World Bank is an Indian multinational banking and financial services company headquartered in Mumbai with its registered office in Vadodara, Gujarat. It was formed as the Industrial Credit and Investment Corporation of India Bank, before it changed its name to the abbreviated ICICI Bank later merged with the bank. ICICI Bank launched internet banking operations in 1998. ICICI Bank won three awards at The Asian Banker Excellence in Retail Financial Services International Awards 2019. The Bank was recognized as the 'Best Retail Bank' in India for the sixth year in a row. Not only this, ICICI Bank got Best Digital Payment Solution' award at the maiden edition of the ET BFSI Excellence Awards organized by The Economic Times. This card is best suited for homemaker or student or someone who has a bad credit history due to a past financial crisis and want to have a credit card. Some of the benefits include discount of Rs 100 twice a month if you buy movie tickets using the card, Zero annual fees, 15% discount at around 800 leading restaurants in India etc.

HSBC which is the 7th largest bank in the world by 2018 was founded on 3 March 1865, Hong Kong is a British multinational investment bank and financial services holding company. Their international network covers 75 countries and territories in six geographical regions that include Europe, Hong Kong, Rest of Asia-Pacific, Middle East and North Africa, North America and Latin America etc. They provide a comprehensive range of financial services to around 54 million customers through its global businesses that include Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking. The bank won the global titles of 'World's Best Bank for SMEs' and 'World's Best Bank for Public-Sector Clients' in the Euromoney Awards for Excellence 2019. It also has stood out sustainable finance category due to its strength in green bonds. It also has been named The Middle East's Best Bank for Transaction Service. Some of the benefits include Nil Joining fee, Nil Annual fee, 10% cashback on all transactions in the first 3 months if you have at least 3 transactions more than Rs. 10,000 each. One can avail up to Rs. 3,000 as a total cashback in just first 90 days. One can also earn 2 points on a spend of Rs. 150 on any transaction and also earn 3 times of the reward points if you spend for dining and leisure. 

AXIS Bank which was founded in 1993, Ahmedabad is the fifth-largest bank in India offering a wide assortment of financial products. The bank has 4,050 branches, 11,801 ATMs and 4,917 cash recyclers spread across the country as of 31 March 2019 and nine international offices and its overseas operations of the Bank are spread over nine international offices with branches at Singapore, Hong Kong, Dubai (at the DIFC), Colombo and Shanghai. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME. Axis Bank won 'Excellence in Operations' at the International Data Corporation (IDC) Insights Awards, 2019, along with 'Top Sell-side Firm in Secondary Market' and 'Top Arrangers - Investors' Choice for Primary Issues' at The Asset Benchmark Research Awards, 2019. Agriculture and Retail Businesses. Some of the benefits include great benefits for movie buffs and shopaholics. It offers excellent shopping, dining and entertainment benefits. It offers 10% cashback for booking movie tickets or for any online shopping or even for mobile recharges. Users can get additional benefits from some of the top e-commerce sites. 

Kotak Mahindra Bank which was established in 1985 and was given the license to carry on banking business in February 2003. It is an Indian private sector bank headquartered in Mumbai. As on 31 December 2017, Kotak Mahindra Bank had 1,375 branches spread across 700 locations and 2,171 ATMs. The banks offer complete financial solutions for infinite needs of all individual & non-individual customers alongside offering investment products like Mutual Funds, Life Insurance. They have overseas subsidiaries with offices in Mauritius, London, Dubai, Singapore, New York. The bank has won USIBC Global Leadership Award, India's best bank by Euromoney Awards for Excellence 2018, AsiaMoney Best Bank Awards 2019, Highest Fund Raising Corporate by Tata Mumbai Marathon 2019 Philanthropy Awards Nite, Best Bank in the Emerging Markets in the Euromoney Regional Awards. Some of the benefits allow the users to Earn up to 8X reward points on every Rs. 150 spent across all spends done, availing for a Movie voucher worth Rs. 500, Fuel Surcharge Waiver Applicable on transactions between Rs. 500 and Rs. 3000, alongside railway surcharge waiver and availing for Annual Fee waiver on annual spends of Rs.75,000, availing 10,000 Bonus Reward Points on annual retail spends of Rs.4 Lacs etc. 

Standard Chartered which was founded in 1969, London, United Kingdom is a British multinational banking and financial services company that operates a network of more than 1,200 branches and outlets across more than 70 countries and employs around 87,000 people. It has a primary listing on the London Stock Exchange and is a constituent of the FTSE 100 Index. It generates around  90% of its profits come from Asia, Africa and the Middle East. It has been awarded with Best in Mobile Banking, Best Information Security Initiatives, World's Best Consumer Digital Bank for the fifth consecutive year and World's Best Mobile Banking for the first time. by the prestigious Global Finance Awards. Standard Chartered Credit Card is best used for shopping, dining out, cashback as well as reward points. The best part is that it gives 5% cashback on grocery purchase. Users can also get 5 times the reward points if they use this card for filling petrol, buying tickets or even while dining out.