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CreditSmart’s 5 Best Credit Cards To Get In 2018

CreditSmart's 5 Best Credit Cards To Get In 2018

The Five Best Credit Cards To Apply For In 2018

CreditSmart's 5 Best Credit Cards To Get In 2018In this article, we are going to list some great credit card options in India that you can think of availing. This is especially so with the commencement of the New Year, that is, 2018. Prior to choosing a credit card, you must also check the credit period, interest rates, and annual fees; and then you should take your decision with all the information in hand. Many cards listed were fantastic choices in 2017 and continue to be a strong choice for your pocket in 2018. Follow the list below for your handy knowledge in getting a new credit card for 2018:

Standard Chartered Platinum Rewards Card


Who must avail the Standard Chartered Platinum Rewards Card?

This credit card is great for people who don’t want to give any annual fees and want a decent rewards program. Plus, people who travel regularly via UBER cabs can avail this card.

Annual fees: Nil


  • 20% cash back on all Uber rides, which can save you around Rs. 600 per month only on Uber rides
  • 5 points are rewarded on the card on spending of Rs. 150 on fuel and fine dining. Plus, you can enjoy 1 reward point on an expenditure of Rs. 150 on all other purchases.
  • High approval chance for salaried employees
  • 1000 supplementary rewards points on your initial transaction within 60 days
  • 500 bonus points on registering for the online banking facility
  • Special discounts on UrbanClap, BlueStone, FirstCry, BigBasket, Puma, and Abof

ICICI Instant Platinum Credit Card


Who must avail the ICICI Platinum Credit Card?

It is a viable option for housewives, non-salaried individuals, and students. This card can be received against fixed deposits.

Annual fees: Nil


  • Rs. 100 discount on up to 2 movie tickets monthly at BookMyShow
  • 15% off on dining’s at 800 restaurants in India
  • You get to earn 2 reward points per Rs. 100 (except fuel)

Citibank Cashback Credit Card


Who must avail Citibank Cashback Credit Card?

It is best for people who have a salaried account in Citibank.

Annual fees: Rs. 500


  • 5% cash back on film tickets
  • 5% cash back on phone bill fees
  • 5% cash back on utility bill expenditure
  • 0.5% cash back on all additional spending
  • 15% savings on associated Citibank restaurants

HDFC Regalia Credit Card

Who must avail HDFC Regalia Credit Card?

This credit card is for people looking for maximum travel and luxury perks, along with high membership rewards.

Annual fees: Rs 2,500, which can be waived after Rs. 40,000 expenditure in the initial 90 days


  • Airport lounge complimentary access via Priority Pass Membership
  • Club Vistara Complimentary Silver membership
  • 4 reward points per expenditure of Rs. 150
  • Surcharge of 1% fuel waived on fuel purchases on a minimum transaction of Rs. 400.

SBI Simply Click Credit Card


Who must avail SBI Simply Click Credit Card?

This credit card is the best option for those who love shopping. The SBI Simply Click Card is a much better option than its alternative SBI Simply Save card as users get 10 times rewards on trendy Indian shopping websites. The SBI Simply click card is an entry level credit card for first timer applicants. One can get a great chance of consent on having a salaried account in SBI and residing in a town listed in the application form.

Annual fees: Rs. 499 that gets reversed after an expenditure of Rs. 1Lac in the initial year


  • Users get an e-gift voucher from Amazon valued at Rs. 500
  • Surcharge on fuel is waived off on fuel transactions of more than Rs. 499.
  • Cardholders can earn 5 reward points on all further shopping web sites.

Now that you have read all about the different options to be had under the 5 most excellent credit cards in India, you will have a better idea of which credit card is the most suitable fit for 2018. These cards carry various benefits, along with differing fees.

Jay Kaul

About Jay Kaul

Jay is a financial and credit expert and freelance contributor to CreditSmart. He's always keeping his eyes open for the latest credit card trends in India and provides a sharp insight on new entries into the market.

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