Top 5 Credit Cards in India 2026

If you want to get the credit but are unsure what to choose, as there are numerous options related to different rewards, perks, cashbacks, and lounge access. But seeing all of these will only make you confused, so pick the one that aligns with your needs and necessities. 

After extensive research, we have found the top 5 best credit cards to use in 2026 that suit your needs across various lifestyle, travel, and cashback categories, including rewards.

List of Best 5 Credit Cards
 

1. HDFC Millennia Credit Card

Best for: Online Shoppers & Millennials
Annual Fee: ?1,000 + GST (waived on ?1L spend)

• Get a 5% cashback on Flipkart, Amazon, Swiggy, and other known brands (on using Payzapp or Smart Buy)
• You also get 1% cashback on online spend
• If you spend up to 1 lakh, you get your renewal fee waived
• Getting complimentary lounge access, but only for domestic

For young professionals, this seems like a great deal, and for digital first-time users as well, it offers great value on food platforms and online shopping. With the use of more UPI, things will continue to remain relevant in 2025.
Click Here to Apply Now

2. Axis Bank SELECT Credit Card

Best for: Premium Lifestyle & Wellness
Annual Fee: ?3,000 + GST

• Get a 15-20% discount on the complimentary club Marriott membership
• With 4 lounge accesses per quarter ( domestic and international)
• Exclusive golf lessons and games
• 2 edge rewards points for every 200 Rs you will spend.

It is best for those who are looking for a taste of luxury at a reasonable fee, with such great rewards, and it is best for the upper-middle class, like business owners and entrepreneurs.
Click Here to Apply Now

3. SBI PRIME Credit Card

Best for: Family Lifestyle, Utility & Dining
Annual Fee: ?2,999 + GST

• Rs 3000 worth of gift vouchers as a welcome bonus
• For Rs 100 spent at dining, get 10 points rewards
• Vistara club and Trident membership are complimentary
• The annual fee will be waived if you spend up to Rs 3 lakh

Such a versatile card that helps you earn points while spending and with complimentary memberships. Do you know what is the best deal that fee will be waived off if you spend more than 3 lakhs.
Click Here to Apply Now

4. American Express Gold Charge Card

Best for: High-Spenders & Premium Users
Annual Fee: ?4,500 + GST

• Get a membership of 4000 bonus rewards points every month on a milestone spend
• Redeem for travel, vouchers, or luxury gifts 
• No present credit card limit
• 24/7 customer service with global concierge 

For you, it is more than a credit card being a tool for top-tier services and unmatched benefits being the best option for business owners and entrepreneurs who want to be disciplined financially and premium services.
Click Here to Apply Now

5. SBI Cashback Credit Card

Best for: Flat Cashback Lovers
Annual Fee: ?999 + GST 

• Get 5% cashback on online shopping 
• Offline spend 1% cashback
• On select channels, the joining fee is zero

Complimentary membership and 5% cashback offer for students and individuals who frequently make online purchases.
Click Here to Apply Now

Final thoughts 

Choosing a credit card may seem straightforward, but selecting one that suits your needs can be challenging. Most people don’t know its benefits, which can turn into a benefit if you know how to use it properly, and most of the people who don’t know the terms and conditions get stuck in the interest of the credit card.
So choose wisely and see, and spend thoughtfully before using your credit card.