Best Credit cards of 2018 by IndiaLends

There are innumerable credit cards in the market today. It seems insurmountable to choose the best credit card out of them. When you need to choose a credit card for yourself, you want the best. Now, before you get a card for yourself, you need to understand your requirements and most importantly, your spending habits. Analyse where you spend the most money and target exactly that area. We have curated this categorical list to help you choose the best credit card based on your needs. The best credit cards of 2018 are-

The best Cashback credit cards

We can not escape shopping and spending money on basic items in life. In our day to day life, from fuel to grocery, we make a lot of purchases. While we can not regulate the prices much, we can avail cashback to give some rest to our expenses. We have picked the top cash back cards to help you-

ICICI Platinum Chip Credit Card

• Minimum 15% savings at over 800 partner restaurants
• Earn 2 points on every ₹100 spent on retail purchases
• Get one point on every ₹ 100 spent on utilities and insurance.
• Fuel Surcharge Waiver

Citi CashBack Credit Card

• 5% cash back on movie ticket purchases
• 5% cash back on all your telephone bill payments
• 5% cash back on Utility Bill Payments
• 0.5% Cash Back on all other spends.
• Up to 15% off on dining across 2000 partner restaurants.

American Express Gold Credit Card

• Highest point to money conversion rate in the market
• 20,000+ Bonus reward points a year
• Redeem your Points from the Gold Collection
• Benefits on your travel bookings with MakeMyTrip
• Earn 1 Membership Rewards Point for every Rs. 50 spent

SBI SimplySave Credit Card

• 10 Reward Points per Rs 100 spent on Dining, Movies and Grocery Spends
• Earn 1 Reward Point per Rs. 100 spent on all your other spends
• Rs.100 cash back on your first ATM cash withdrawal
• 1% fuel surcharge waiver at any petrol pump
• Transfer the outstanding balance of other banks’ credit cards and avail a lower rate of interest and pay back in EMIs.

The best credit cards to use for Travel

If you are the person who is constantly on the go, due to work or self pleasure, having a travel card might be a boon to you. From cashback on travel and hotel bookings to complimentary lounge access, the benefits of having a travel credit card are manifold. Here are our top picks for the best Travel card of 2018-

ICICI Jet Sapphiro Card

• 10,000 welcome bonus JPMiles and a complimentary Jet Airways air ticket on joining.
• 5,000 renewal bonus JPMiles and a complimentary Jet Airways air ticket every year.
• Earn upto 10 JPMiles/₹100 spent on the card
• Complimentary airport lounge access
• Complimentary golf rounds, movie tickets, discounts on dining and more!

American Express Platinum Travel Card

• Welcome gift of 5,000 milestone Bonus Membership Rewards Points
• Redeem Reward Points for Travel vouchers worth Rs.4,000
• Get Travel vouchers worth more than Rs.11,800 according to your spends
• Get a voucher worth Rs.10,000 from the Taj Group

Citi PremierMiles Card

• 10,000 Miles with your first spend, 3,000 Miles on Card renewal and 10 Miles per Rs.100 spent on all airline transactions.
• Earn 4 Miles for every Rs.100 spent on all other transactions.
• No expiration date on miles. Redeem your miles for flights without blackout dates.
• Airport Lounges across India, and enjoy light refreshments and business facilities

SBI IRCTC Platinum Card

• Buy tickets through irctc.co.in and earn upto 10% Valueback as Reward points.
• Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases
• Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
• Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India.

Amazing cards to help you with online spending

The world has moved quite swiftly in terms of technology. Today our life has gotten online almost entirely. We shop online for most of our needs. Hence, we have created this list of the top online spending cards-

SBI SimplyClick Credit Card

• Amazon.in gift card worth Rs.500* on joining
• Earn upto 10X Reward Points on online spends
• e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh
• 1% fuel surcharge waiver for each transaction

Axis Buzz Credit Card

• Get Flipkart Gift Voucher worth Rs.1000
• 10% off from 1st to 5th of each month
• 5% off from 6th to 31st of each month
• 6 Axis eDGE Reward Points on every Rs.200 spent online
• Minimum 15% off on dining.

HDFC MoneyBack Credit Card

• 2 Reward Points (RP) on Rs 150 spent. 2 X Reward Points on online spends.
• Redeem Reward points as CashBack on your MoneyBack Credit Card
• 1% Fuel Surcharge waived off on fuel transactions
• Avail up to 50 days of interest free period from the date of purchase

The best credit cards to get you Rewards

If there is something that is more beneficial than a discount, it is definitely rewards. You can collect these reward points and redeem them for a huge purchase or to shop for free when you have enough points. You can also follow this 3 step guide to choose a credit card for yourself, Meanwhile, the best credit cards to allow you to enjoy the benefits of rewards have been listed down here-

American Express Membership Rewards Card

• 1,000 Bonus Membership Rewards Points
• 1 Membership Rewards Point for every1 Rs. 50 spent
• Up to 20% off every time you dine at select restaurant partners
• Rewards from the 18 and 24 Karat Gold Collection

SBI Card Prime

• Welcome e-gift Voucher worth Rs. 3,000
• Get 20 Reward Points per Rs. 100 spent on Utility Bills, Dining, Groceries and Movies
• Get Pizza Hut e-Voucher worth Rs. 1,000
• E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons
• Enjoy complimentary Trident Privilege Red Tier Membership and 1,500 Bonus Points on your first st

Citi Bank Rewards Credit Card

• Earn 10 Reward Points for every Rs125 spent at apparel and department stores
• Continue earning Reward Points at rate of 1 point for every Rs125 on all other purchases
• Get 2,500 points on Card activation
• Redeem on holidays, air miles, cash back and premium merchandise instantly

Yes Prosperity Rewards Plus Credit Card

• Welcome Onboard with 1250 Reward Points
• Accelerated Rewards on Birthday, Dining, International & Online Spends
• Earn 12,000 Bonus Reward Points each anniversary year
• 500 Reward Points on each YES PayNow registration
• Redemption of Reward Points against JPMiles
• Fuel surcharge waiver at all fuel stations across India

There you go, this was our list for the top credit cards of the year 2018. Hope this helps you in choosing the best card for yourself. Read our personal finance blog to know more about personal loans, credit cards and everything you need to know about personal finance.

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