Best Credit Cards of 2022

by

It can be challenging to find the ideal credit card. By category and credit score, this guide will assist you in selecting the finest credit card.
Numerous articles provide guidance on the top credit cards in various categories. You might come across many guides for balance transfers, cash back, travel, and other credit card categories. Additionally, there are articles that list the top credit cards for certain credit score ranges.

But we’re discussing EVERY single one of them in this thorough guide.

The top credit cards in a variety of categories are listed below.

1. HDFC Bank Regalia Credit Card

Card Type – Reward Points

Fees and Charges – Joining/ Renewal Membership Fee – Rs. 2500/- + Applicable Taxes. Renewal fee waived off if you spend more than 3L in the previous year​​​​​​​

Eligibility :

For Salaried Indian national

  • Age: Min 21 years & Max 60 Years
  • Net Monthly Income > Rs 1 Lakh

For Self Employed Indian national

  • Age: Min 21 years & Max 65 Years
  • ITR > Rs 12 Lakhs per annum

Key Features

  • 12 Complimentary Airport Lounge Access within India and 6 outside India.
  • Bonus 10,000 Reward Points on Rs. 5 lakhs spends and additional 5,000  Reward Points on Rs. 8 lakhs spends in an anniversary year. 
  • Earn 4 Reward Points on every Rs.150 spent 
    (On all retail* spends)

Additional Features

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India 
( on minimum transaction of ₹400  and maximum transaction of ₹5000 )

Dining Benefit

Exclusive complimentary Dineout Passport Membership which offers:

  • Assured flat 25% off at 2000+ premium restaurants
  • 1+1 on buffet at 200+ restaurants
  • Additional 5% off and Zero convenience fee.
  • Early access to events and festivals such as Gourmetlicious*

NOTE: Dineout Passport Membership will not be applicable after 31st Dec 2021

Milestone Benefit

  • Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
  • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year

Renewal Offer

Renewal fee waived off if you spend more than 3L in the previous year​​​​​​​

Smart EMI

HDFC Bank Regalia Credit Card comes with an option to convert your big spends into EMI after purchase.

Contactless Payment

  • The HDFC Bank Regalia Credit Cardis enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
  • To see if your Card is contactless, look for the contactless network symbol on your Card. 

Insurance/Comprehensive protection & Nominee details for Insurance

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization: up to Rs. 15 lakhs​​​​​​​
  • Lost Card Liability Cover: Upto Rs 9 lakhs        

Reward Point/CashBack Redemption & Validity

Reward Points Accrual:

  • Earn 4 Reward Points on every Rs. 150 spent on all retail* spends including Insurance, Utilities, Education and Rent Pay.
  • Earn 10,000 Reward Points on annual spends of Rs. 5 lakhs.
  • Earn additional 5,000 Reward Points on annual spends of Rs. 8 lakhs.

Reward Point Redemption:

  • You can redeem your Reward Points on Smartbuy or Netbanking.

 Reward Points can be redeemed for:

  • Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
  • Airmiles conversion through netbanking at a value of 1RP = 0.5 airmile
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
  • Cashback at a value of 1 RP = Rs 0.20

Please Click Here to know more

2. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card unlocks a world where it rains cashback with every transaction. With accelerated cashback across all your favorite categories including travel, shopping, entertainment and lifestyle, there’s no limit to what you can earn with this card.

Card Type – Cashback

Fees and Charges – Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes. Annual fee waived off on annual spends greater than Rs. 2,00,000.

Eligibility – Primary cardholder should be between the age of 18 and 70 years

Key Features

  • Rs. 1100 worth of joining and activation benefits on your Flipkart Axis Bank Credit Card. Please visit the Welcome benefits section to know all about these benefits.
  • Cashback with every transaction
  • 5% cashback on Flipkart Myntra
  • 4% cashback on Preferred Merchants.
  • Cashback will be directly credited to your credit card statement
  • Enjoy 4 complimentary lounge visits to select airport lounges within India per calendar year with your Flipkart Axis Bank Credit Card
  • Get 1% fuel surcharge waiver on fuel purchases at all fuel stations across India
  • Indulge in delectable cuisines with Axis Bank Dining Delights offering up to 20% off at partner restaurants in India.
  • On any transaction over Rs. 2,500, contact the bank to convert a big credit card purchase into EMIs

Click here to know more

3. RBL Bank ShopRite Credit Card

Card Type – Rewards Points

Fees and Charges – Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes. Annual fee waived off on annual spends greater than Rs. 1,50,000.

Eligibility – Primary cardholder should be between the age of 18 and 70 years

Key Features

  • Earn 1 Reward Point for every Rs.100 spent on all your purchases except fuel
  • Earn 20 Reward Points for every Rs.100 when you use your card for grocery shopping
  • Maximum 1000 Reward Points in a month
  • Get 10% discount (up to Rs. 100) on movie tickets at BookMyShow 15 times in a year
  • You can avail the offer by Selecting RBL Bank 10% Offer under Credit Card offers and discounts post movie selection on BookMyShow
  • Earn 10 Reward Points for every Rs.100 when you use your card for fuel
  • Maximum 1000 Reward Points in a month

Click here to know more