India’s Best Credit Cards Review’s & Tools – CardsBySameer


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TRENDING CREDIT CARDS

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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)

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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

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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

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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

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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)

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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



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