Best Credit Cards in India for Small Business Owners

Best Credit Cards in India for Small Business Owners

When it comes to choosing the best credit card in India, there are a few things you need to consider. Do you want a cash back card? A travel card? A rewards card?

There are so many different types of credit cards available, and it can be difficult to decide which one is right for you.

That’s why we’ve put together this list of the best credit cards in India, so you can choose the one that best suits your needs. So, without further ado, here are the best credit cards in India:

About Credit Card

A credit card is a plastic card that gives the cardholder a line of credit with which to make purchases or cash advances.

The issuer of the card provides the cardholder with a specified credit limit and billing cycle, and the cardholder is responsible for repaying the debt incurred on the card. Credit cards are issued by banks, credit unions, and other financial institutions.

There are many different types of credit cards available in India, and choosing the best one can be a difficult task.

However, there are a few factors that you should consider when choosing a credit card, such as the interest rate, annual fee, and rewards program.

The interest rate is important because it will determine how much you will have to pay in interest if you carry a balance on your credit card. Most credit cards in India have an interest rate of 3-4% per month. However, some cards may offer a lower interest rate for a promotional period.

The annual fee is another important factor to consider when choosing a credit card. Many cards charge an annual fee ranging from Rs. 500 to Rs. 5,000. Some cards also offer a waived annual fee for the first year.

Rewards programs are another feature that you may want to consider when choosing a credit card. Rewards programs allow you to earn points or cash back on your purchases. Some rewards programs also offer exclusive benefits such as access to airport lounges or complimentary hotel stays.

1. Axis Bank Ace Credit Card

Axis Bank Ace Credit Card is one of the best credit cards in India that offers a wide range of benefits and features to its cardholders.

Some of the key benefits of this credit card include cashback on all spends, reward points on all spends, and fuel surcharge waiver. 

This credit card also offers a wide range of features such as balance transfer facility, EMI facility, and contactless payments.

2. SBI Card Elite

If you are looking for a credit card that offers you the best in terms of features and rewards, then the SBI Card Elite is the right choice for you.

With this card, you can enjoy a host of benefits including cash back on all your spends, free travel insurance, and exclusive privileges at leading hotels and restaurants.

The SBI Card Elite also comes with a complimentary membership to the Prestige Club, which gives you access to a range of exclusive benefits and services.

So if you are looking for a credit card that offers you the best in terms of rewards and privileges, then the SBI Card Elite is the right choice for you.

3. HDFC Regalia Credit Card

The HDFC Regalia Credit Card is one of the best credit cards in India. It offers a wide range of benefits such as cash back, rewards points, and discounts on fuel, shopping, and travel.

The card also comes with a host of additional features such as a 24-hour concierge service, complimentary airport lounge access, and more.

4. Citi PremierMiles Credit Card

The Citi PremierMiles Credit Card is one of the best credit cards in India for those who frequently travel by air.

With this card, you can earn 10 miles for every Rs. 100 spent on booking air tickets, and 2 miles for every Rs. 100 spent on other activities.

You can also enjoy complimentary access to airport lounges, and get up to 20% discount on Domestic and International airfares.

5. Standard Chartered DigiSmart Credit Card

The Standard Chartered DigiSmart Credit Card is one of the best credit cards in India. It offers a wide range of benefits and features that make it an ideal choice for online shoppers. Some of the key benefits of this card include:

• Earn up to 5% cashback on all your online shopping spends.
• Get 2% cashback on fuel, dining and grocery spends.
• Enjoy up to 20% discount on select merchants across India.
• Get free movie tickets worth Rs. 500 every month.
• Complimentary airport lounge access at select airports across India.

So, if you are looking for a credit card that offers great value for money, then the Standard Chartered DigiSmart Credit Card is a good option for you.

6. HDFC Millennia Credit Card

The HDFC Millennia Credit Card is one of the best credit cards in India. It offers a wide range of benefits and features that make it an ideal choice for both new and experienced credit card users.

Some of the key benefits of the HDFC Millennia Credit Card include:

• 0% interest rate on balance transfers for up to 12 months
• No annual fee for the first year
• Earn 1 reward point for every Rs. 150 spent on your credit card
• Complimentary access to over 1,000 airport lounges across the world
• Get up to 20% discount on movie tickets booked through BookMyShow

In addition to these great benefits, the HDFC Millennia Credit Card also offers a host of other features that make it a truly unique and valuable credit card.

If you’re looking for a credit card that can offer you a wide range of benefits and features, then the HDFC Millennia Credit Card is definitely worth considering.

7. YES Prosperity Edge Credit Card

If you are looking for a credit card that offers you the best value for your money, the YES Prosperity Edge Credit Card is the card for you.

This credit card offers a host of features and benefits that make it the perfect choice for anyone who is looking for a credit card that offers great value.

Some of the features and benefits of the YES Prosperity Edge Credit Card include:

• 0% interest on balance transfers for 18 months
• waiver of annual fee for the first year
• up to 5% cash back on all purchases
• up to 10% discount on fuel at select petrol pumps
• special discounts and offers at partner merchants

8. IndusInd Bank Platinum Aura Edge Credit Card

The IndusInd Bank Platinum Aura Edge Credit Card is one of the best credit cards in India. It offers a host of benefits and features that make it a great choice for anyone looking for a credit card. Some of the benefits of the IndusInd Bank Platinum Aura Edge Credit Card include:

• Earn 2 reward points for every Rs. 100 spent on shopping, dining, fuel, and travel.
• Get up to 10% cashback on select merchants.
• Enjoy up to 20% discount on movie tickets booked through BookMyShow.
• Get complimentary membership to the IndusInd Bank Platinum Club.
• Avail free airport lounge access at select airports across India.

Conclusion

There are many different credit cards available in India, and it can be hard to choose the right one for your needs. 

We hope that our list of the best credit cards in India has helped you narrow down your options and find the perfect card for your financial situation. Do you have a favorite credit card? Let us know in the comments below!

Read more business articles from our guest authors at SugerMint. Follow us on Twitter, Instagram, Facebook, LinkedIn