Top 5 Best Credit Cards In India 2021

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Worrying about which credit card to choose? We got you, hereunder are the top 5 best credit cards that can accrue you the maximum benefit in 2021. You can find the top 2 lifestyle credit cards, 2 premium credit cards, and 1 super premium credit card in this article. After going through 100+ credit cards here are the top 5 credit cards.

List of credit cards according to the joining and annual fee:




Lifestyle Credit Cards:


  • Axis Bank Ace Credit Card

Axis Bank launched Axis Bank Ace Credit Card in collaboration with Google in 2020. The credit cardholders get the accelerated reward rate on bill payments and a higher default rate with no capping fee. It provides 5% cashback on payments of utility bills using Google Pay and 2% cashback on all other spendings. The cashback gets credited directly to the credit cardholder’s account. Apart from this, you also get travel benefits like 4 complimentary domestic airport lounge access annually which is icing on the cake.

  • Amazon Pay ICICI Bank Credit Card

Another lifestyle card that has gained popularity in 2021 is Amazon Pay ICICI Bank Credit Card. It lets you enjoy 5% cashback on purchases made using Amazon. It comes with no joining and a renewal fee. You can vouch for this credit card as you will get 2% cashback on making payments using Amazon Pay and 1% on all other spendings. The earned cashback is credited to the credit cardholders Amazon Pay. 

Premium Credit Cards:


  • HDFC Diners Club Privilege Credit Card

HDFC Bank offers a premium card that is packed with multiple benefits and provides you benefits like annual memberships of Zomato Pro, Amazon Prime, Times Prime, etc. HDFC Diners Club Privilege Credit Card provides you vouchers worth Rs. 500 on spending Rs. 40,000 in a month. You earn reward points and cashback on this card. You also get travel and golf benefits. The lower foreign currency markup fee of 1.99% is the cherry on the top.  

  • IndusInd Iconia American Express Credit Card

The IndusInd Iconia Credit Card provides you accelerated reward points during weekends. Just not this it also gives you travel benefits. You earn 1.5 reward points on weekdays and 2 reward points on weekends. If you are the one who spends a lot on weekends then this is the right choice for you. You also get other benefits like Automobile Assistance, Insurance cover, buy 1 get 1 on BookMyShow, etc.

Super Premium Credit Cards:


  • Standard Chartered Ultimate Credit Card

One of the super-premium credit cards offered by various card issuers is Standard Chartered Ultimate Credit Card. You get a default reward rate of 3.3% which is definitely attractive. You get welcome benefits of 6000 reward points worth Rs. 6000 and on payment of renewal fee you get 5000 reward points worth Rs. 5000. On this card, you get travel benefits, cashback, travel & air accident insurance cover, and much more.

Bottom line:

There is no hard and fast rule that you have to go for above-mentioned credit cards only. You can certainly vouch for credit cards that fit your profile and that can reap the most benefits. Also, you can vouch for multiple cards to enjoy the various features and benefits. But do not apply for multiple credit cards at the same time or in a short span of time as it may bring you under the radar of credit card issuers which will altogether make it difficult to get another credit card.

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