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India’s Best Credit Cards For 2016

Best Credit Cards India 2016

The Best Credit Cards To Apply For In 2016


The festive season is here and you might be looking to earn some extra points on your credit card while you shop. With the economy in swing, many credit card issuers are offering attractive rewards scheme and bonuses to lure customers. We have reviewed many credit cards this year and come up with this year end list of the best credit cards to carry into 2016.


UPDATE: Our 2017 Best Credit Cards In India List Is Here! 

1. Standard Chartered Platinum

The Standard Chartered Platinum card has a fantastic rewards program that’s both versatile in how you can earn and spend your points. You’d do well to have this in your pocket.

  • Earn 5 reward points for every Rs.150 spent at fine-dining outlets
  • Earn 5 reward points for every Rs.150 spent on fuel Earn 2 reward points for every Rs.150 spent on all other categories
  • Earn 5 reward points for every Rs.150 spent at hotels
  • No joining fee, No Annual fee if you apply online.

Apply For The Standard Chartered Platinum Today


2. American Express Gold Card

The American Express Platinum card is for people leading an opulent lifestyle. The annual membership fee of this card is around 50,000 but the card offers several financial benefits that you may not find elsewhere. Here are some of the financial benefits: 

  • You earn 1 membership reward point with every 40 rupees spent except on money spent on fuel, insurance and utilities.
  • Access to premium airport lounges and exclusive privileges at finest hotels
  • Enjoy  travel services, platinum concierge and other platinum services that American Express is renowned for.

3. Standard Chartered Super Value Titanium

 The Standard Chartered Titanium rewards card is ideal for the smart spender. The credit card does not have any joining or annual fees if you apply for it online. Besides strong security, the card also gives you 5% cash back on the most important bills in your life, which can add up to incredible savings.

4. SBI Simply Save Card

The SBI Simply Save card is pretty good on features which make it ideal for wide category of consumers. The joining fee and annual fee is around 2999 INR. Though some might think joining fee is on the higher side, you would be pleased to know that you get a welcome e-gift voucher of rupees 3000 that can be redeemed at Jabong, Shoppers Stop and other selected stores. You earn 2 Rewards points on every 100 rupees spent on all categories except fuel. You also get complimentary membership to the Priority Pass program worth $99.

5. Citibank Rewards Credit Card

The Citibank Rewards Credit Card is ideal for the frequent traveler and easily among the best credit cards. You earn 10 miles for every Rs.100 spent on all airline transactions and transactions done on You can redeem these miles for domestic and international travel. The card offers many privileges like access to airport lounges and transferring the Miles earned to a loyalty program to get discounts on stay and meal at participating hotel partners.

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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