15+ Best Credit Cards in India for 2022

15+ Best Credit Cards in India for 2022

Note: If you’re looking for the latest list of top credit cards available in India, check out this article: best credit cards for 2023.

Best Credit Cards in India 2022

Looking for the best credit cards in India for 2022 to suit your needs? You’re at the right place. Whether you want cashback, lounge access, free food, hotel stays or business class tickets, you can find everything here.

I’ve analysed 100+ credit cards in India across various banks and compiled a list of best credit cards for 2022 based on various user segments. Here are they,

Table of Contents

With about 10+ active credit cards in my wallet, the below list covers most of the cards that I personally use and even more. Let’s begin with entry-level credit cards,

Entry Level Credit Cards

  • Suggested income: 4 Lakhs+
  • Suggested spend: 1 Lakhs+

Entry-Level credit cards, also called as credit cards for beginners are those cards that are targeted at first-time credit card users.

Here’s a quick look at some of the best credit cards in India for beginners in 2022.

Credit CardJoining FeeReward RateReward Type
HDFC MillenniaFYF1%Cashback
Axis AceFREE2%Cashback
Amex MRCCFREE~10%Rewards
SBI Cashback CardFREE1% – 5%Cashback
ICICI Amazon PayFREE1% – 5%Amazon Credits

1. HDFC Millennia Credit Card

HDFC Millennia Credit Card

  • Best for: Merchant offers & Cashback

If you’re new to the world of credit cards, you have no reason to skip the HDFC Millennia credit card. That’s applicable no matter what other card you get.

You get access to HDFC merchant offers, decent rewards with less complicated t&c after the recent update.

It helps to build a relationship with bank so that you can eventually get access to premium and super premium HDFC Credit cards.

2. Axis Ace Credit Card

Axis Ace Credit CardFinance, Investing, and much more!, Checkout our partner blogs.