Best Credit Cards in India for Salaried Individuals 2020

India has plenty of great cards that can be used to earn rewards across all spending categories, which makes it complex to find the best cards. We have researched hundreds of cards to deliver the best cards for salaried individuals.

Best Points Card:
Best Cashback Card:
Best Travel Cards:
Best Dining Cards:
Best Grocery Cards:
Best Shopping Cards:
Best Snapdeal Shopping Card:
Best Fuel Cards:
Best No-Fee Cards:

Best Points Card for Salaried Individuals: HDFC Diners Club Black Credit Card

  • Unlimited global lounge access
  • Promotions: Sign-Up Bonus: 10,000 Reward Points (worth ₹ 10,000)
  • Renewal Benefit: 5,000 Reward Points (worth ₹ 5,000); not applicable when renewal fee is waived (requires annual spend of ₹ 500,000)
  • Annual Fee: Rs. 10,000 first year; Rs. 5,000 beyond (waived on annual spend of Rs. 500,000)
  • Earn Rate: 5 points/Rs. 150 retail spend except fuel
  • FX Fee: 2.0%
  • Point Value: 1 point = Rs. 1 on HDFC Diners Club travel portal
  • Perks: Diners Club Lounge (free access to 850+ lounges); 6 green fee waivers/quarter at 20 courses in India & 40 worldwide; air accident cover Rs. 2 crore; emergency medical expense cover; baggage delay cover
  • Fuel Surcharge Waiver: Transactions Rs. 400–5,000, max Rs. 1,000/month
  • Minimum Annual Salary: Rs. 2,100,000
The HDFC Bank Diners Club Black Credit Card is ideal for high salaried people looking to acquire a points card from all spending categories. The card does well in terms of earnings for all spending categories (except fuel) with an excellent rewards rate of 3.33% (5 points per Rs. 150; 1 point = Rs. 1). Additionally, the card offers a great sign-up bonus of Rs. 10,000 and high anniversary bonus of Rs. 5,000— this can be used to offset the annual fee. Unfortunately, the card comes with a high annual income minimum requirement of Rs. 2,100,000 to be considered.


On the flipside, this card also offers a great set of perks. For instance, the card offers 6 free golf games (green fee waiver) per quarter and unlimited access to the Diners Club airport lounge network (850+ lounges). If the cardholder manages to meet the high income requirement, the HDFC Diners Club Black Card will prove to be a great asset for its high rewards rate and solid travel perks.

  • Unlimited global lounge access
  • Promotions: Sign-Up Bonus: 10,000 Reward Points (worth ₹ 10,000)
  • Renewal Benefit: 5,000 Reward Points (worth ₹ 5,000); not applicable when renewal fee is waived (requires annual spend of ₹ 500,000)
  • Annual Fee: Rs. 10,000 first year; Rs. 5,000 beyond (waived on annual spend of Rs. 500,000)
  • Earn Rate: 5 points/Rs. 150 retail spend except fuel
  • FX Fee: 2.0%
  • Point Value: 1 point = Rs. 1 on HDFC Diners Club travel portal
  • Perks: Diners Club Lounge (free access to 850+ lounges); 6 green fee waivers/quarter at 20 courses in India & 40 worldwide; air accident cover Rs. 2 crore; emergency medical expense cover; baggage delay cover
  • Fuel Surcharge Waiver: Transactions Rs. 400–5,000, max Rs. 1,000/month
  • Minimum Annual Salary Requirement: Rs. 2,100,000
The HDFC Bank Diners Club Black Credit Card is ideal for high salaried people looking to acquire a points card from all spending categories. The card does well in terms of earnings for all spending categories (except fuel) with an excellent rewards rate of 3.33% (5 points per Rs. 150; 1 point = Rs. 1). Additionally, the card offers a great sign-up bonus of Rs. 10,000 and high anniversary bonus of Rs. 5,000— this can be used to offset the annual fee. Unfortunately, the card comes with a high annual income minimum requirement of Rs. 2,100,000 to be considered.


On the flipside, this card also offers a great set of perks. For instance, the card offers 6 free golf games (green fee waiver) per quarter and unlimited access to the Diners Club airport lounge network (850+ lounges). If the cardholder manages to meet the high income requirement, the HDFC Diners Club Black Card will prove to be a great asset for its high rewards rate and solid travel perks.

Best Cashback Card for Salaried People: SC Ultimate Card

  • 3.33% on all spending categories
  • Promotions: Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points
  • Read Our Review
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback on duty-free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India)
  • 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month
  • Air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal documents, hijacking and flight delay coverage
  • No Salary Minimum - Stable Monthly Income
The Standard Chartered Ultimate Credit Card is the best cashback option in India due to its competitive reward rate and great perks. On everyday spending, the card earns 3.33% (5 points per Rs. 150 spent; 1 point = Rs. 1 cashback), the highest rewards on all spending categories among its cashback counterparts. Additionally, consumers are also gifted an excellent sign-up bonus on MakeMyTrip tickets. Furthermore, the Standard Chartered Ultimate Card has great travel perks. For example, cardholders receive one free Priority Pass visit per month and 4 lounge visits per quarter via the Visa program. Other positives include 5% off on duty-free purchases and one of the lowest foreign transaction fees in India, at 2%. Notably, this card is easily attainable for all salaried employees as the salary requirement is listed as "a stable monthly income". The Ultimate card will provide great value to any consumer looking for a cashback card with a high rewards rate and solid travel perks.
  • 3.33% rewards rate on all spending categories
  • Promotions: Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points
  • Read Our Review
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India)
  • 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month
  • Air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage
  • No Salary Minimum - Stable Monthly Income
The Standard Chartered Ultimate Credit Card is the best cashback option in India due to its competitive reward rate and great perks. On everyday spending, the card earns 3.33% (5 points per Rs. 150 spent; 1 point = Rs. 1 cashback), the highest rewards on all spending categories among its cashback counterparts. Additionally, consumers are also gifted an excellent sign-up bonus on MakeMyTrip tickets. Furthermore, the Standard Chartered Ultimate Card has great travel perks. For example, cardholders receive one free Priority Pass visit per month and 4 lounge visits per quarter via the Visa program. Other positives include 5% off on duty-free purchases and one of the lowest foreign transaction fees in India, at 2%. Notably, this card is easily attainable for all salaried employees as the salary requirement is listed as "a stable monthly income". The Ultimate card will provide great value to any consumer looking for a cashback card with a high rewards rate and solid travel perks.

Best Travel Rewards Credit Cards

For cardholders who tend to travel frequently, there is great value in credit cards that offer travel rewards. Although the rewards may not be as versatile as a regular cashback card, if the rewards are utilized correctly they can have significant impact on travel costs.

Best Cashback Card for Travel: Standard Chartered Yatra Platinum Credit Card

  • 10% cashback on travel bookings
  • Promotions: Sign-Up Bonus: Yatra vouchers worth ₹ 4,000
  • Read Our Review
  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month), 4 points per Rs. 100 spent on Yatra travel bookings, 2 points per Rs. 100 spent on all other spending categories
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme
The Standard Chartered Yatra Platinum Credit Card is ideal for individuals looking to acquire a travel rewards card exclusively for travel bookings using Yatra. Cardholders are offered a 10% cashback on all travel bookings made on the platform including domestic and international flights, and hotel bookings. Cardholders are also eligible to receive a great flight cancellation perk that allows all flights booked on the Yatra platform to be cancelled without any fees. Along with the 10% cashback, the card offers a 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all Yatra bookings.


Unfortunately, cardholders will receive a relatively low rewards rate of 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles). Still, the Standard Chartered Yatra Platinum Card is the best travel option for consumers interested in attaining a card exclusively for travel bookings.

  • 10% cashback on travel bookings
  • Promotions: Sign-Up Bonus: Yatra vouchers worth ₹ 4,000
  • Read Our Review
  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month), 4 points per Rs. 100 spent on Yatra travel bookings, 2 points per Rs. 100 spent on all other spending categories
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme
The Standard Chartered Yatra Platinum Credit Card is ideal for individuals looking to acquire a travel rewards card exclusively for travel bookings using Yatra. Cardholders are offered a 10% cashback on all travel bookings made on the platform including domestic and international flights, and hotel bookings. Cardholders are also eligible to receive a great flight cancellation perk that allows all flights booked on the Yatra platform to be cancelled without any fees. Along with the 10% cashback, the card offers a 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all Yatra bookings.


Unfortunately, cardholders will receive a relatively low rewards rate of 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles). Still, the Standard Chartered Yatra Platinum Card is the best travel option for consumers interested in attaining a card exclusively for travel bookings.

Best InterMiles Travel Card: JetPrivilege HDFC Bank Diners Club

  • 2x on InterMiles spending and 2.5x on Etihad Airways bookings
  • Promotions: Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket
  • Read Our Review
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel; 16 Intermiles per Rs. 150 spent on Intermiles bookings, 20 InterMiles per Rs. 150 on Etihad Airways bookings
  • Est. Point Value: 1 interMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
The JetPrivilege HDFC Bank Diners Club Credit Card is the best travel rewards cards for high spenders who tend to book on the InterMiles platform frequently. This card does not disappoint in terms of earnings for spending with a rewards rate of 2.4% (8 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) on all transactions apart from fuel. Moreover, cardholders who book their trips on the InterMiles platform will receive an elevated rewards rate of 4.8% (16 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) when booking on InterMiles. Additionally, this card offers elevated rewards for bookings on Etihad Airways with a rewards rate of 6.0% (20 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45). On top of the great Etihad Airways rewards rate, consumers are given an additional 5% discount on economy tickets and 10% discount on business ticket purchases.


Although the annual fees are higher than most, the card more than makes up for them with its sign-up and renewal bonuses. High spenders can increase their rewards earned per year on spends of Rs. 150,000 within 90 days of issuance. Among its perks, the card offers Diners Club Lounge access. This card is a great option for any individual looking for a travel credit card with high InterMiles rewards and solid travel perks.

  • 2x on InterMiles spending and 2.5x on Etihad Airways bookings
  • Promotions: Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket
  • Read Our Review
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel; 16 Intermiles per Rs. 150 spent on Intermiles bookings, 20 InterMiles per Rs. 150 on Etihad Airways bookings
  • Est. Point Value: 1 interMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
The JetPrivilege HDFC Bank Diners Club Credit Card is the best travel rewards cards for high spenders who tend to book on the InterMiles platform frequently. This card does not disappoint in terms of earnings for spending with a rewards rate of 2.4% (8 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) on all transactions apart from fuel. Moreover, cardholders who book their trips on the InterMiles platform will receive an elevated rewards rate of 4.8% (16 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) when booking on InterMiles. Additionally, this card offers elevated rewards for bookings on Etihad Airways with a rewards rate of 6.0% (20 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45). On top of the great Etihad Airways rewards rate, consumers are given an additional 5% discount on economy tickets and 10% discount on business ticket purchases.


Although the annual fees are higher than most, the card more than makes up for them with its sign-up and renewal bonuses. High spenders can increase their rewards earned per year on spends of Rs. 150,000 within 90 days of issuance. Among its perks, the card offers Diners Club Lounge access. This card is a great option for any individual looking for a travel credit card with high InterMiles rewards and solid travel perks.

Best Card for Yatra Discounts: Yatra SBI Credit Card

  • up to 20% off flight & hotel bookings each year
  • Promotions: Sign-Up Bonus: 7 Yatra vouchers totaling ₹ 8,250 (flights, hotels, holiday packages)
  • Anniversary Benefit: ₹ 1,000 off on domestic flight bookings (min. transaction of ₹ 5,000) and ₹ 4,000 off on international flight bookings (min. transaction of ₹ 40,000)
  • 20% off domestic hotels with a min.transaction of ₹ 3,000. Max. discount of ₹ 2,000
  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month
The Yatra SBI Card is an excellent option for salaried people who tend to book on the Yatra platform. First cardholders are also offered 6 discounts of up to 20% off their hotel and flight bookings on Yatra’s platform per year. Additionally, this card offers a great sign-up bonus in the form of Yatra vouchers which would add great value to those who often book trips through Yatra.


Furthermore, the card provides cardholders a rewards rate of 1.5% on specific categories, including retail, groceries, dining, entertainment and international transactions (6 Reward Points per Rs. 100, 25% redemption rate for Yatra vouchers). However, the card offers a lower rewards rate on all other spending categories (0.25% 1 point per Rs. 100). Still, the Yatra SBI Card is a good card for consumers who tend to book their travels through Yatra, due to the discount vouchers and great perks that can reduce overall cost of travel.

  • 6 discounts of up to 20% off flight and hotel bookings each year
  • Promotions: Sign-Up Bonus: 7 Yatra vouchers totaling ₹ 8,250 (flights, hotels, holiday packages)
  • Anniversary Benefit: ₹ 1,000 off on domestic flight bookings (min. transaction of ₹ 5,000) and ₹ 4,000 off on international flight bookings (min. transaction of ₹ 40,000)
  • 20% off domestic hotels with a min.transaction of ₹ 3,000. Max. discount of ₹ 2,000
  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month
The Yatra SBI Card is an excellent option for salaried people who tend to book on the Yatra platform. First cardholders are also offered 6 discounts of up to 20% off their hotel and flight bookings on Yatra’s platform per year. Additionally, this card offers a great sign-up bonus in the form of Yatra vouchers which would add great value to those who often book trips through Yatra.


Furthermore, the card provides cardholders a rewards rate of 1.5% on specific categories, including retail, groceries, dining, entertainment and international transactions (6 Reward Points per Rs. 100, 25% redemption rate for Yatra vouchers). However, the card offers a lower rewards rate on all other spending categories (0.25% 1 point per Rs. 100). Still, the Yatra SBI Card is a good card for consumers who tend to book their travels through Yatra, due to the discount vouchers and great perks that can reduce overall cost of travel.

Best Air India Travel Card: Air India SBI Signature Credit Card

  • 13.5% on Air India flight bookings
  • Promotions: Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
  • Read Our Review
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends (including grocery & dining), 30 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.
The Air India SBI Signature Card is the best card for salaried people looking for a great miles card with solid rewards and excellent Air India earnings. First, the cardholder will receive a rewards rate of 13.5% (30 points per Rs. 100 spent, 1 Reward Point = 1 Airline Mile = Rs. 0.45) on all Air India travel bookings. As for all other spending categories, the card earns a solid 1.8% (4 points on Rs. 100 spends), making it one of the top general spending cards in the market.


Furthermore, the Air India SBI Signature card provides the largest sign-up bonus in our credit card review, which more than offsets the annual fee. Additionally, the card offers great promotions for big spenders as well that allows cardholders to receive up to 50,000 points (Rs. 22,500). The Air India SBI Signature Credit Card is a great card for those that are interested in a great option for overall rewards who also tend to fly Air India.

  • 13.5% on Air India flight bookings
  • Promotions: Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
  • Read Our Review
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends (including grocery & dining), 30 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.
The Air India SBI Signature Card is the best card for salaried people looking for a great miles card with solid rewards and excellent Air India earnings. First, the cardholder will receive a rewards rate of 13.5% (30 points per Rs. 100 spent, 1 Reward Point = 1 Airline Mile = Rs. 0.45) on all Air India travel bookings. As for all other spending categories, the card earns a solid 1.8% (4 points on Rs. 100 spends), making it one of the top general spending cards in the market.


Furthermore, the Air India SBI Signature card provides the largest sign-up bonus in our credit card review, which more than offsets the annual fee. Additionally, the card offers great promotions for big spenders as well that allows cardholders to receive up to 50,000 points (Rs. 22,500). The Air India SBI Signature Credit Card is a great card for those that are interested in a great option for overall rewards who also tend to fly Air India.

Best Card for Dining and Movies: Kotak Delight Platinum Credit Card

  • 10% cashback on dining and movies
  • Promotions: Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets
  • Read Our Review
  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)
  • Locations: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • No Salary Minimum
The Kotak Delight Platinum Card is the best option for salaried people who spend a lot on dining. At first glance, for both dining and movies categories, the card offers the highest cashback rewards at 10%. However, the card requires the cardholder to spend Rs. 10,000 per month on categories other than dining and movies (card does not earn any rewards on any other spending category) to receive these high rates so the card is best suited for high spenders. Notably, to also receive these great rates the maximum transaction amount must be Rs. 4,000 and the maximum total cashback for dining and movies is Rs. 600 per month. Finally, the card is a great fit for those with any salary level, given that it has no minimum annual salary requirement.


Fortunately, the card also offers a great anniversary bonus that the cardholder can receive in either cash or PVR movie tickets. The promotion helps offset the somewhat limiting Rs. 600 monthly cap on dining and movie rewards for the high spending consumers. This is the ideal card for those looking for a card to use specifically on dining and movies.

  • 10% cashback on dining and movies
  • Promotions: Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets
  • Read Our Review
  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)
  • Locations: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • No Salary Minimum
The Kotak Delight Platinum Card is the best option for salaried people who spend a lot on dining. At first glance, for both dining and movies categories, the card offers the highest cashback rewards at 10%. However, the card requires the cardholder to spend Rs. 10,000 per month on categories other than dining and movies (card does not earn any rewards on any other spending category) to receive these high rates so the card is best suited for high spenders. Notably, to also receive these great rates the maximum transaction amount must be Rs. 4,000 and the maximum total cashback for dining and movies is Rs. 600 per month. Finally, the card is a great fit for those with any salary level, given that it has no minimum annual salary requirement.


Fortunately, the card also offers a great anniversary bonus that the cardholder can receive in either cash or PVR movie tickets. The promotion helps offset the somewhat limiting Rs. 600 monthly cap on dining and movie rewards for the high spending consumers. This is the ideal card for those looking for a card to use specifically on dining and movies.

Best Card for Groceries: Kotak Essentia Platinum Credit Card

  • 10% cashback on all grocery and shopping spends
  • Promotions: Spend ₹ 125,000 every 6 months and get 1200 points (Up to 2400 points per year) OR Spend ₹ 125,000 every 6 months and get 6 free PVR tickets (max 12 per year)
  • Read Our Review
  • First Year Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 points per Rs. 100 on grocery and shopping spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends
  • Locations: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • No Salary Minimum
The Kotak Mahindra Essentia Platinum Card is ideal for those looking for a grocery cashback card with high earnings. This card earn an excellent cashback rate of 10% (10 points per Rs. 100 spent, 1 point = Rs. 1) for the groceries spending category. Notably, this high rate also applies to shopping making it the second highest rewards rate for that category. To receive these rates; however, the cardholder is required to meet the minimum transaction amount of Rs. 1,500 and the points are capped at Rs. 500 per month for grocery and shopping spending.


Fortunately, the Kotak Essentia Platinum Card offers a great bi-annual promotion to help maximize rewards. Unfortunately, the card earns the cardholder a relatively low 0.4% cashback rate (1 point per Rs. 250 spent, 1 point = Rs. 1) on all other spending categories. In all, this card is the best option for any consumer looking to acquire a card for grocery or shopping cashback.

  • 10% cashback on all grocery and shopping spends
  • Promotions: Spend ₹ 125,000 every 6 months and get 1200 points (Up to 2400 points per year) OR Spend ₹ 125,000 every 6 months and get 6 free PVR tickets (max 12 per year)
  • Read Our Review
  • First Year Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 points per Rs. 100 on grocery and shopping spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends
  • Locations: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • No Salary Minimum
The Kotak Mahindra Essentia Platinum Card is ideal for those looking for a grocery cashback card with high earnings. This card earn an excellent cashback rate of 10% (10 points per Rs. 100 spent, 1 point = Rs. 1) for the groceries spending category. Notably, this high rate also applies to shopping making it the second highest rewards rate for that category. To receive these rates; however, the cardholder is required to meet the minimum transaction amount of Rs. 1,500 and the points are capped at Rs. 500 per month for grocery and shopping spending.


Fortunately, the Kotak Essentia Platinum Card offers a great bi-annual promotion to help maximize rewards. Unfortunately, the card earns the cardholder a relatively low 0.4% cashback rate (1 point per Rs. 250 spent, 1 point = Rs. 1) on all other spending categories. In all, this card is the best option for any consumer looking to acquire a card for grocery or shopping cashback.

Best Shopping Credit Cards

Salaried individuals that love to shop might be interested in using a credit card that maximises their rewards on shopping transactions. . We have filtered through hundreds of credit cards and found the best shopping cards based on your preferences.

Best Overall Shopping Card: SBI FBB STYLEUP Credit Card

  • 10% off and an additional 2.5% rewards rate on Big Bazaar spends
  • Promotions: Sign-Up Bonus: ₹ 500 FBB gift voucher
  • Renewal Benefit: 2,000 Reward Points (worth ₹ 500)
  • Read Our Review
  • First Year Fee: Rs. 499
  • Annual Fee: Rs. 499
  • Reward Earn Rate: 10 points per Rs. 100 on shopping and grocery spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends
The FBB SBI STYLEUP Card is the best option for consumers looking for a credit card for all their shopping needs. The card offers a great flat 10% discount on all transactions at FBB or Big Bazaar, some of India’s most well-known retailers. Additionally, shopping at these two retailers will also provide the cardholder with a rewards rate of 2.5% (10 points per Rs. 100 spent, 1 point = Rs. 0.25). Furthermore, the cardholder will also receive a 2.5% rewards rate at Food Bazaar and all other dining transactions.


In terms of promotions, the card offers a solid sign-up bonus in FBB vouchers and an anniversary bonus that can be leveraged to offset the annual fee (Rs. 499). However, the only downside of this card is that the cardholder will receive a relatively low 0.25% rewards rate (1 point per Rs. 100, 1 point = Rs. 0.25) on all other spends. Therefore, the FBB SBI STYLEUP card is a great option for salaried individuals interested in acquiring a card specifically for shopping that comes with great rewards and solid perks.

  • 10% off and an additional 2.5% rewards rate on Big Bazaar spends
  • Promotions: Sign-Up Bonus: ₹ 500 FBB gift voucher
  • Renewal Benefit: 2,000 Reward Points (worth ₹ 500)
  • Read Our Review
  • First Year Fee: Rs. 499
  • Annual Fee: Rs. 499
  • Reward Earn Rate: 10 points per Rs. 100 on shopping and grocery spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends
The FBB SBI STYLEUP Card is the best option for consumers looking for a credit card for all their shopping needs. The card offers a great flat 10% discount on all transactions at FBB or Big Bazaar, some of India’s most well-known retailers. Additionally, shopping at these two retailers will also provide the cardholder with a rewards rate of 2.5% (10 points per Rs. 100 spent, 1 point = Rs. 0.25). Furthermore, the cardholder will also receive a 2.5% rewards rate at Food Bazaar and all other dining transactions.


In terms of promotions, the card offers a solid sign-up bonus in FBB vouchers and an anniversary bonus that can be leveraged to offset the annual fee (Rs. 499). However, the only downside of this card is that the cardholder will receive a relatively low 0.25% rewards rate (1 point per Rs. 100, 1 point = Rs. 0.25) on all other spends. Therefore, the FBB SBI STYLEUP card is a great option for salaried individuals interested in acquiring a card specifically for shopping that comes with great rewards and solid perks.

Best Credit Card for Snapdeal Spending: Snapdeal HDFC Credit Card

  • 11.67% on Snapdeal
  • Promotions: Sign-up Bonus: Snapdeal Vouchers worth ₹ 2,250 (₹ 2,000 in direct vouchers, 500 points redeemable for ₹ 250 in vouchers)
  • Read Our Review
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
The Snapdeal HDFC Bank Card is the ideal option for any high-salaried person looking to acquire an online shopping card for use on the Snapdeal platform. For example, the card offers the highest online shopping rewards rate at 11.67% (20 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers + a 5% instant discount) on all transactions done on Snapdeal.


Unfortunately, the high rewards rates only apply to those two specific platforms, on all other spending categories the card earns the cardholder a below average 0.67% (2 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers). This card is most beneficial for salaried individuals in search of a card to use for Snapdeal shopping.

  • 11.67% on Snapdeal
  • Promotions: Sign-up Bonus: Snapdeal Vouchers worth ₹ 2,250 (₹ 2,000 in direct vouchers, 500 points redeemable for ₹ 250 in vouchers)
  • Read Our Review
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
The Snapdeal HDFC Bank Card is the ideal option for any high-salaried person looking to acquire an online shopping card for use on the Snapdeal platform. For example, the card offers the highest online shopping rewards rate at 11.67% (20 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers + a 5% instant discount) on all transactions done on Snapdeal.


Unfortunately, the high rewards rates only apply to those two specific platforms, on all other spending categories the card earns the cardholder a below average 0.67% (2 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers). This card is most beneficial for salaried individuals in search of a card to use for Snapdeal shopping.

Best Credit Card for Fuel: Standard Chartered Super Value Titanium Credit Card

  • 5% net cashback on fuel spends
  • 5% cashback on utilities
  • 5% cashback on phone bill
  • 1 free lounge visit per month
  • Read Our Review
  • Annual Fee: Rs. 750 (waived for Premium Banking customers)
  • Reward Earn Rate: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)
  • No Salary Minimum - Stable Monthly Income
The Standard Chartered Super Value Titanium Credit Card earns the highest rewards across all fuel vendors. This card earns cardholders a great net cashback of 5% on all fuel transactions. Notably, the minimum transaction to receive this rate is Rs. 750 and the cap is Rs. 200 per month. This cashback rate is also applied to all phone and utility bill transactions, the highest rewards rate for those categories as well. Despite the high net cashback rate for those three categories, the card offers a low rewards rate for all other spending categories of 0.16% (1 point per Rs. 150, 1 point = Rs. 0.24). Therefore, this card primarily useful to individuals in search of a card to use on fuel, phone, and utility bills.
  • 5% cashback on fuel spends
  • 5% cashback on utilities
  • 5% cashback on phone bill
  • 1 free lounge visit per month
  • Read Our Review
  • Annual Fee: Rs. 750 (waived for Premium Banking customers)
  • Reward Earn Rate: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)
  • No Salary Minimum - Stable Monthly Income
The Standard Chartered Super Value Titanium Credit Card earns the highest rewards across all fuel vendors. This card earns cardholders a great net cashback of 5% on all fuel transactions. Notably, the minimum transaction to receive this rate is Rs. 750 and the cap is Rs. 200 per month. This cashback rate is also applied to all phone and utility bill transactions, the highest rewards rate for those categories as well. Despite the high net cashback rate for those three categories, the card offers a low rewards rate for all other spending categories of 0.16% (1 point per Rs. 150, 1 point = Rs. 0.24). Therefore, this card primarily useful to individuals in search of a card to use on fuel, phone, and utility bills.

Best No-Fee Card: Indusind Bank Pioneer Legacy

  • Earn 2% on weekends, free movie tickets
  • Promotions: Sign-Up Bonus: Oberi Hotel or Genesis Luxury vouchers
  • Anniversary Bonus: 6,000 points on Rs. 600,000 spend within one year from card issuance
  • Reward Earn Rate: 1 point/Rs. 100 spent on weekdays, 2 points/Rs. 100 spent on weekends (max 20,000 points/month)
  • Point Value: 1 point = Rs. 1 cashback
  • Movie: Buy 1 get 1 free with both BookMyShow and Sathyam Cinemas (Sathyam Cinema promotion is only available in Chennai)
  • Other Perks: Complimentary international & domestic lounge access via Priority Pass; Rs. 100,000 lost bag insurance, delayed bag, loss of passport, lost ticket, missed flight connection coverage
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4000
The Indusind Bank Pioneer Legacy Credit Card is great for salaried people looking for a card that incurs no fees. First, the card has a solid rewards rate of 2% (2 points per Rs. 100; 1 point = Rs. 1) on weekends for all spending and a good rewards rate of 1% (1 point per Rs. 100; 1 point = Rs. 1) on weekdays. Additionally, cardholders are eligible for 1 free lounge visit per quarter at any domestic airport lounge. When compared to other no-fee cards, these rewards rates are extremely competitive and offer great value to any individual looking to avoid fees on their credit card.
  • Earn 2% on weekends, free movie tickets
  • Promotions: Sign-Up Bonus: Oberi Hotel or Genesis Luxury vouchers
  • Anniversary Bonus: 6,000 points on Rs. 600,000 spend within one year from card issuance
  • Reward Earn Rate: 1 point/Rs. 100 spent on weekdays, 2 points/Rs. 100 spent on weekends (max 20,000 points/month)
  • Point Value: 1 point = Rs. 1 cashback
  • Movie: Buy 1 get 1 free with both BookMyShow and Sathyam Cinemas (Sathyam Cinema promotion is only available in Chennai)
  • Other Perks: Complimentary international & domestic lounge access via Priority Pass; Rs. 100,000 lost bag insurance, delayed bag, loss of passport, lost ticket, missed flight connection coverage
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4000
The Indusind Bank Pioneer Legacy Credit Card is great for salaried people looking for a card that incurs no fees. First, the card has a solid rewards rate of 2% (2 points per Rs. 100; 1 point = Rs. 1) on weekends for all spending and a good rewards rate of 1% (1 point per Rs. 100; 1 point = Rs. 1) on weekdays. Additionally, cardholders are eligible for 1 free lounge visit per quarter at any domestic airport lounge. When compared to other no-fee cards, these rewards rates are extremely competitive and offer great value to any individual looking to avoid fees on their credit card.
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.