3 Top Credit Cards Available in India in 2024

Are you looking for a credit card to shop for your favorite items? Typically, the younger generation, office class likes to get the best cards for shopping & lifestyle in India. These cards offer benefits across multiple spending categories such as shopping, dining, etc. So now you can experience a host of lifestyle privileges, cashback offers, rewards, & features like never before.

In fact, during this period, credit card companies have levelled up to provide amazing benefits to cardholders. Therefore, making credit cards more accessible to people to make transactions. When you're making a choice, it's important to know Top Credit Cards, offering the maximum benefits.

Top 3 Credit Cards In 2024

Citibank Cash Back Credit Card

The Citibank cashback credit card has been announced the best credit card time & again. It has been gaining importance from all the growing generations as the most valuable card in its category. Citibank card has been here for over a period of 2 decades or more especially in the Metros. The fast-growing online space has only encouraged the use of credit cards in tune with the e-commerce industry. Of course, having a credit card can expand your financial horizon you to a significant extent. Also, you can easily lead a lifestyle you always liked and live with the flexibility to pay back later.

This Citibank Card is actually a cashback card as it provides a lot of cashback offers on purchases made. You get a flat 5% cashback on purchasing movie tickets or on payment of your utility bills like electricity or mobile bills. On top of that, you also get 0.5% cash back on other purchases swiped by this card; which means that on every swipe of the card, you get a sure shot cashback. Additionally, you can convert your purchases above Rs. 2000 into small equal monthly instalments (EMIs). The annual fee on this credit card is only Rs. 500 + Taxes without any joining fees.

Standard Chartered Manhattan Platinum Credit Card

The standard chartered credit card is the most demanded in the financial market. It can be easily used for shopping, dining, and much more along with cashback and reward points. You also get 5% cashback on grocery purchase. If you buy your groceries from a specific store like Big Bazaar, Reliance Fresh, More, then you will get a flat 5% cashback on your bill amount. This can build great savings as there's the certainty of buying essentials monthly. The annual fee is fixed at Rs. 999 in the first year and Rs. 999 is charged as the renewal fee from the subsequent year onwards. You also get 3X rewards on all other expenses made. Hence it's a win-win for cashback as well as hefty reward points in your hands.

ICICI Instant Platinum Credit Card

Irrespective of your profession & occupation, ICICI Platinum credit card can lend you help. So, if you are self-employed, a homemaker, a fresher, a student, or someone with poor credit history, you can still get an ICICI credit card. So, whatever has been your past financial crisis, you will still be provided with a card. ICICI offers their Instant Platinum easily if you hold Fixed Deposits with them. That's all!

This Credit Card gives a discount up to Rs.100 on movie tickets & comes with Zero Annual Fees.

Here, the following pointers must be kept in mind to apply for a New Credit Card:

1. The spending pattern

2. Rates of interest

3. Sanctioned Credit limit

4. Charges and penalties

5. Rewards and offers