The Most Preferred Credit Card to Use in India

In India, the credit card market is diverse, with various cards catering to different needs such as rewards, cashback, travel benefits, and low interest rates. Choosing the right credit card depends on individual preferences and spending habits. This blog explores some of the most preferred credit cards in India, their features, and benefits, helping you make an informed decision.

Preferred Credit Card to Use in India

Types of Preferred Credit Card to Use in India

HDFC Regalia Credit Card

The HDFC Regalia Credit Card is one of the most popular credit cards in India, known for its premium benefits and extensive reward program. It is ideal for frequent travelers and those who enjoy luxury dining experiences.

Key Features

  • Welcome Benefits: Enjoy 2,500 reward points on joining.
  • Reward Points: Earn 4 reward points for every ₹150 spent.
  • Travel Benefits: Complimentary airport lounge access and discounts on hotel bookings.
  • Dining Privileges: Exclusive dining offers at partner restaurants.


  • High reward rate.
  • Extensive travel benefits.
  • Complimentary lounge access.


  • High annual fee.
  • Benefits are more suited for high spenders.

SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is designed for online shoppers. It offers excellent cashback and reward points for online purchases, making it a favorite among e-commerce enthusiasts.

Key Features

  • Welcome Benefits: ₹500 Amazon gift card on joining.
  • Reward Points: 10x reward points on online spends with partner websites like Amazon, BookMyShow, and Cleartrip.
  • Milestone Benefits: E-voucher worth ₹2,000 on annual spends of ₹1 lakh.
  • Annual Fee Waiver: Annual fee waived off on spending ₹1 lakh annually.


  • High reward points for online shopping.
  • Annual fee waiver.
  • Attractive welcome benefits.


  • Limited offline benefits.
  • Higher rewards only on partner websites.

ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card is a well-rounded card that offers a mix of rewards, travel benefits, and lifestyle privileges. It is suitable for individuals looking for a balanced card with moderate annual fees.

Key Features

  • Welcome Benefits: Exclusive discounts on movie tickets and dining.
  • Reward Points: Earn 2 PAYBACK points for every ₹100 spent.
  • Travel Benefits: Complimentary domestic airport lounge access.
  • Entertainment Offers: Buy one, get one free on movie tickets through BookMyShow.


  • Good mix of rewards and benefits.
  • Complimentary lounge access.
  • Entertainment and dining offers.


  • Lower reward rate compared to premium cards.
  • Annual fee applicable.

Factors to Consider When Choosing a Credit Card

Spending Habits

Understanding your spending habits is crucial in selecting the right credit card. If you spend a lot on travel, a card with travel rewards and lounge access will be beneficial. For online shoppers, a card with high cashback or reward points for e-commerce transactions is ideal.

Annual Fees

Credit cards come with various annual fees, ranging from zero to several thousand rupees. Assess whether the benefits offered justify the fee. Many cards offer fee waivers upon meeting certain spending criteria, which can be advantageous.

Reward Programs

Different credit cards have varied reward structures. Some offer reward points, while others provide cashback or discounts. Evaluate which reward program aligns with your preferences and can maximize your benefits.

Interest Rates

If you tend to carry a balance, choosing a card with a lower interest rate can save you money. Compare the annual percentage rates (APRs) of different cards to find the most cost-effective option.

Additional Benefits

Consider additional perks like travel insurance, purchase protection, and concierge services. These benefits can add significant value to your credit card experience.

Also Read: 7 Ways to Enhance Benefits of Your HDFC Credit Card


Choosing the most preferred credit card in India involves evaluating your spending habits, understanding the benefits offered, and comparing different cards. The HDFC Regalia Credit Card, SBI SimplyCLICK Credit Card, and ICICI Bank Coral Credit Card are among the top choices, each catering to different needs and preferences. By carefully assessing your requirements and the features of these cards, you can select the one that best fits your lifestyle and maximizes your benefits.

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