Which is the best credit card to use in India ??

Question

Hi i wanted to know which bank's credit card is the best in the market now considering the factors -- reward points, discounts and cash back facilities.

Answer 1

All credit cards available in India are as good or as bad compared to each other as long as you pay your dues in time. Once you are defaulter for any reason what so ever,  they show their actual colour, and the card holder is harassed in so many manners that nobody will ever think of having a credit card ever.  

Answer 2

amex

Answer 3

with cash back facility.

Answer 4

icici

Answer 5

HDFC

Answer 6

citibank

Answer 7

If u want Best deals and Discounts u can go for ICICI but the bad news is low Credit Limits and if u wanna njoy a good limit with limited deals you can go for Citi bank i am useing this both cards from past 5years and Njoying it

Answer 8

citibank platinum is good considered with barclays.

Answer 9

I have the following credit cards,

CITIBANK Indian Oil

CITI GOLD

STANDARD CHARTERED

BARCLAYS

I suggest you go for any of them except BArclays because the sevice is worst. Also as long as you pay the dues on time nocard is bad.

Answer 10

CITI BANK INDIAN OIL CARD

THIS CARD GIVES 5% DIS ON PETROL,

SO I SAVE APP 15000 RS PER YEAR WHICH IS TOO GOOD.......................................  

Answer 11

to my knowledge better not to use anyone. once u miss the payment for  day u will get n number of calls from the callcentres and make u sleepless night and u wont be able to work until u pay the min amount. ur phone willb flooedwioth dirty calls. keep it in mind before u approach for card consult credit card solution or nyay seva samsthan. they can guide u more. if u r interested they talk tothem here is

040-23210228,  nyayasevaphone no040-23446700 all the best.

Answer 12

Hello,

First of all I would say that there is nothing which you can term as the best credit card.

With the banking revolution over the last few years, the credit card market has matured a lot and you can see the banks providing you a host of services for being a credit card holder.

I have been using multiple credit cards till date, Citi, HSBC, ICICI, SBI, etc and my experience with all the private sectors have been better than the SBI.

One most important thing you should look at is the ease of use. There is no parameter for analysing this on the spending front as with every card you can spend easily.

But when it comes to managing it, and doing trasnactions online like accessing your acccount and paying your dues, definitely the online banking system plays a great role. And in this definitely the private sector banks are great way ahead of the public sector ones.

And it makes more sense to have a credit card with the same private sector bank in which you have a banking account as it becomes that much easiere to pay your dues doing an intrabank transaction.

Regards

Shrikant

Answer 13

I use hdfc platinum which i feel is good since u can redeem nice goodies for ur rewards points.

Also, standard chartered titanium card which gives me 5% cashback for my telecom bills and 2.5%cashback for my petrol expenses .As both r huge for me, i think it benefits the people around my catogory

Answer 14

hdfc is the best for at present,but things may change,when more number of customer use this card,as like icic

Answer 15

Hey I would say SBI is the best in terms of security....u need to use PIN even when ur swapping cards....

Answer 16

For EMI ICICI is best.

For Reward points & Cash backs HDFC is best

For Service HSBC is best..

For Cost Efficient SBI is Best

Choose from the above..

Answer 17

Well, if you can find one that somebody else will pay the bill on, that's the one I'd go with.

Answer 18

I use ICICI and SBI card. But I alwats find difficulty in paying ICICI card since i donot have an ICICI bank account and they ask for a surcharge of around Rs 125 if i pay cash in any ICICI counters.

Answer 19

SBI Credit cards are one of the best and hasslefree... next to that is HSBC cards.. both has lot of offers..

Answer 20

HSBC and ICICI

Answer 21

me n my husband both u AMEX thats the best gud reward points plus waive off charges on occasional late payments....amex doesnt work at all outlets so i back up with HDFC..thats also decent...ICICI is pathetic dont ever use that card...had very bad experince there..