India’s Best Credit Cards Review’s & Tools – CardsBySameer
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TRENDING CREDIT CARDS
Best Overall Credit Card
HDFC Regalia Gold Credit Card
Annual fee: ₹2,500
Benefits:
- 4 Reward Points per ₹150 spent
- Complimentary lounge access (domestic & international)
- Travel, dining, and lifestyle privileges
- Best For: All-round use (travel + lifestyle + shopping)
Best Cashback Credit Card
Axis Bank Ace Credit Card + shopping)
Annual Fee: ₹499
Benefits:
- 5% cashback on bill payments via Google Pay
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on other spends
- Best For: Everyday expenses, UPI usersestyle + shopp
Best Travel Credit Card
SBI Card ELITE
Annual Fee: ₹4,999
Benefits:
- Complimentary Club Vistara membership
- Free movie tickets (up to ₹6,000/year)
- International lounge access
- Best For: Frequent travelers
Best Dining & Lifestyle Card
American Express SmartEarn Credit Card
Annual Fee: ₹495 (1st year waived)
Benefits:
- 10X points on Amazon, Flipkart, Swiggy, etc.
- Dining discounts with Amex dining partners
- Best For: Online shoppers & food lovers
Best Credit Card for Students / Beginners
SBI Student Plus Advantage Card
Eligibility:
Must have an SBI Education Loan
Benefits:
- 1 Reward Point for every ₹100 spent
- Fuel surcharge waiver
- Convert purchases to EMIs
- Best For: Students building credit score+lifestyle + shopping)
Best Lifetime Free Credit Card
IDFC FIRST Millennia Credit Card
Annual Fee: ₹0 for lifetime
Benefits:
- Up to 10X rewards
- Low interest rates (0.75%–3.5%)
- Free lounge access
- Best For: Beginners, zero-fee lovers