India’s top 10 credit score playing cards in the year 2024.Here is the path way of your right selection with big rewards.

^{Credit cards can be a great tool if you know how to use them wisely. It can improve your credit score as well provides several benefits if you know how to use it properly.}

^{Here are some reasons why you might want to use a credit card:}

^{Rewards and Cashback: Some credit cards give you rewards points or cash back when you use them to buy things. These reward points can be used and redeemed in many useful ways such as you can purchase anything from any e-commerce site or you can use it for entertainment purposes} 

^{Convenience: Credit cards are accepted in many places, like online, in stores, or over the phone.}

^{Building Credit: If you use a credit card responsibly, it can help you build a good credit score. It will finally lead you to avail taking credit from financial institutions.}

^{Safety and Security: Credit cards protect you from fraud. If your card gets lost or stolen, you won’t have to pay for things you did not use. There exist some credit cards which enable us to take extended warranties.}

^{Grace Period: When you use a credit card, you get some time between when you make a purchase and when you have to pay for it.}

TOP 10 CREDIT CARDS OF INDIA IN YEAR 2024 :

1. SBI Credit Card: Annual fee of INR 499+ taxes. Welcome gift of INR 500 worth of e-gift card from Amazon. If a customer transacts between Rs. 500 to Rs. 3000 in a fuel pump then a 1% fuel charge is waived and if a customer spends Rs 1 lac in a year then he is eligible to get an e-gift voucher of Rs.3000
2. HSBC Cashback Credit Card: Annual fees of INR 999 (which will be reversed if the total annual spend exceeds INR 200,000). Cashback features 10% accelerated cashback on dining, food delivery, and grocery spends (up to INR 1000 per billing cycle); and 1.5% unlimited cashback on other spends* (exclusions apply). Other benefits include 4 complimentary domestic lounge visits per year (1 visit per quarter).
3. IndusInd Bank Legend Credit Card: Annual fee of INR 9,999. Welcome gift of a Montblanc pen worth INR 27,000. Features 2.5 reward points per INR 100 spent. Other benefits include 4 complimentary rounds of golf every month, 2 complimentary movie tickets every month, and 4 complimentary lounge access per quarter.
4. Citi Premier Miles Credit Card: Annual fee of INR 3,000. Welcome gift of 10,000 miles. Features 10 miles per INR 100 spent on airlines and hotel bookings, and 4 miles per INR 100 spent on other categories. Other benefits include 1 complimentary airport lounge access per quarter, and 1 reward point per INR 100 spent on all other categories.
5. HDFC Regalia Credit Card: Annual fee of INR 2,500. Welcome gift of 2,500 reward points. Features 4 reward points per INR 150 spent. Other benefits include 12 complimentary airport lounge access per year and a 1% fuel surcharge waiver.
6. Axis Bank Ace Credit Card: Annual fee of INR 499. Features 5% cashback on bill payments, 4% cashback on dining, 2% cashback on groceries, and 1% cashback on other spends. Other benefits include 4 complimentary domestic lounge access per year.
7. RBL Bank Platinum Maxima Credit Card: Annual fee of INR 2,000. Welcome gift of 8,000 reward points. Features 2 reward points per INR 100 spent. Other benefits include 4 complimentary domestic lounge access per year and a 1% fuel surcharge waiver.
8. ICICI Bank Amazon Pay Credit Card: Annual fee of INR 500. Welcome gift of INR 750 Amazon Pay balance. Features 5% cashback on Amazon. in purchases for Amazon Prime customers, 3% cashback on Amazon. in purchases for non-Prime customers, 2% cashback on spends at Amazon Pay partner merchants, and 1% cash back on other spends. Other benefits include a 1% fuel surcharge waiver.
9. SBI Card Elite: Annual fee of INR 4,999. Welcome a gift of INR 5,000 worth of e-gift vouchers from any of the following brands: Yatra, Hush Puppies/Bata, Marks & Spencer, Pantaloons, or Shoppers Stop. Features 2 reward points per INR 100 spent. Other benefits include 2 complimentary domestic lounge access per quarter and a 1% fuel surcharge waiver.
10. American Express Membership Rewards Credit Card: Annual fee of INR 1,500. Welcome gift of 2,000 bonus membership rewards points. Features 1 membership rewards point per INR 50 spent. Other benefits include 1 complimentary airport lounge access per quarter and a 1% fuel surcharge waiver.

Below are the Eligibility criteria for availing these credit cards:

The eligibility criteria for credit cards vary from one card to another and from one issuer to another. However, the basic eligibility criteria required to avail a credit card are:

• Credit Score: Preferably above 750.
• Minimum Age Requirement: 18 years.
• Maximum Age Requirement: 60-65 years.
• Income Requirement: Stable monthly/annual income.
• Employment: Salaried or Self-employed.

If you fail to achieve the above criteria then it will lead to the rejection of your credit card application. If you are interested in applying for any of the top 10 credit cards in India for 2024 that I mentioned earlier, you can check the eligibility criteria for each card on the respective issuer’s website. Here are the details.

• SBI Credit Card: 
• HSBC Cashback Credit Card: 
• IndusInd Bank Legend Credit Card:
•  Citi Premier Miles Credit Card: 
• HDFC Regalia Credit Card: 
• Axis Bank Ace Credit Card: 
• RBL Bank Platinum Maxima Credit Card: 
• ICICI Bank Amazon Pay Credit Card: 
• SBI Card Elite: 
• American Express Membership Rewards Credit Card: 

NOTE : ^{Remember, though, credit cards can lead to debt if you don’t use them carefully. To avoid this, try to pay off your full balance every month and not let it carry over to the next month.}