Best Credit Card in 2022 | Top 10 Credit Cards 2022

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Selection of best credit card in 2022 is very necessary because due to lack of information about credit card we bought credit cards after using/taking credit card then we realize that there is much better option. As per need I have shorted of Top 10 Credit Card for 2022 with their charges, benefit and disadvantage of credit card.

Best Credit Card in 2022
Best Credit Card in 2022

Best Credit Card in 2022

  • ICICI Amazon Pay Credit Card:

    This card is powered by ICICI Bank for who spend for shopping online on Amazon with zero annual charge and this credit card is best for 2022
    • Benefits:

      • Get 5% cashback on Amazon for Prime Member.
      • Get 2% cashback on payment through amazon pay.
      • Get 1% cashback on all spending
      • Unlimited Cashback & value back.
      • No Joining & Annual Charge in this Card.
    • Disadvantage:

      • 3% Cashback from Non -Prime Amazon Customer.
  • Axis Bank Flipkart Credit Card:

    This card is powered by Axis bank and this card is best for who shopping online through Flipkart. Axis Bank Flipkart Credit Card with zero joining fess and 500 + GST annual charges.
    • Benefit:

      • Get 5% cashback on spending on Flipkart.
      • Get 4% cashback on spending on partner merchant.
      • Get 1.5% cashback on all spending on other platform.
      • Get 4 Free Domestic Airport lounge access per year
    • Disadvantage

      • Annually fees of 500 + GST reversed if you spend 2 lacs per year.
  • Axis Bank Ace Credit Card:

    This card is introduce by Axis Bank for whom shopping online with no cashback limit and its charges annually 499 + GST.
    • Benefits:

      • 5% Cashback on Bill Payment on Google Play.
      • 4% Cashback on payment of Ola, Swiggy, Zomato etc.
      • 2% Cashback on else spending.
      • Allow 4 Free Domestic Airport Lounge access per year.
    • Disadvantage:

      • iOS users cannot link card on Google Pay.
  • SBI Simply Click Credit Card:

    This credit card introduce from State Bank of India for whom use credit card of shopping and its annually charge is 499 + GST.
    • Benefits:

      • 2.5%(10XRP) Value Back on Book My Show, Cleartrip, Netmeds, Amazon, Eazydiner, Apollo 24*7.
      • 1.25%(5XRP) Value Back on All spending through card.
      • 5% Cashback on using SBI Yono App on Amazon,Flipkart etc.
    • Disadvantage:

      • 10000 Reward Point capping on Amazon.
      • 10,000 Reward Point capping on All spending.
      • Core Reward rate 0.25%.
  • Amex MRCC:

    This card powered by American Express with attractive monthly bonus and have two plan annually 4500 + GST & bo1500 + GST
    • Benefits:

      • 1000 Bonus MR Points on completing 4 transactions every month with minimum of 1500 and reward rate is up to 6.25%.
      • Extra 1000 bonus MR Points on spend 20,000 in month and reward rate up to 3.75%.
      • Special offer from Amex time to time.
    • Disadvantage:

      • No lounge access.
      • Core reward rate is very low.
  • BOB Eterna Credit Card:

    This card is powered by Bank of Baroda which is awesome low cost premium card with unlimited domestic lounge access and charge of card is 2499 + GST.
    • Benefits

      • 3.75 % (5*Reward Point) value back on all online shopping.
      • Get unlimited domestic lounge access.
      • On add on card also have benefits of unlimited domestic access.
    • Disadvantage:

      • Core reward rate is very low for premium card is 0.75%.
      • 5000 RP capping on spending in shopping per month.
      • No Customer Supports
      • No International lounge access.
  • HDFC Infinia Credit Card:

    This card is powered by HDFC Bank for travelers or  for those who spend more then 10 lakhs per years and card charge is 12500 + GST.
    • Benefits:

      • Get 3.33% reward rate of spending through this card.
      • 10* reward system on spending
      • Unlimited lounge access for primary & add on card holder with priority pass word wide.
    • Disadvantage:

      • Capping of 70% redemption for travel booking.
  • HDFC Dinner Club Black Credit Card:

    This card is introduced by HDFC Bank. HDFC Dinner Club Black Credit Card is best card for travelers with unlimited lounge access  and spend more then 5 lacs per year. HDFC Dinner Club Black Credit Card charges are 10000 + GST.
    • Benefits:

                   
      • 3.33% Rewards for all spending.
      • 10* rewards system on spending get up to 33.33% Reward Rate.
      • Unlimited lounge access for primary & add on card holder word wide.
    • Disadvantage:

      • 70% capping on redemption for travel booking.
  • SBI BPCL Octane Credit Card:

    This card is powered by State Bank Of India and this card is best for fuels refilling with 6.25%. SBI BPCL Octane Credit Card charges are 1499 /- +GST.
    • Benefits:

      • 6.25% Reward rate for fuels.
      • Get Fuels benefits of up to 10000 per month on spending.
      • 2.5% Reward rate for Dinning, Departmental Stores, Grocery & Movie.
    • Disadvantage:

      • Difficulty in finding fuel station that allow you to redeem SBI BPCL points.
      • 0.25% Core Reward rate which is very low.

Best Credit Card in 2022 for Shopping:

  • ICICI Amazon Pay Credit Card:

    This card is powered by ICICI Bank and if you spend on Amazon only then this card is best for you..
  • Axis Flipkart Credit Card:

    This card is powered by Axis Bank and if you spend on Flipkart Only then this card is best for you.
  • HDFC Millennia Credit Card:

    This card is powered by leading bank that is HDFC and if you spend 1 lacs to 5 lacs per year then this card is best for you.
  • HDFC Infinia Credit Card:

    This card is introduced by leading bank HDFC and if you spend more then 10 lacs in years then this card is best for you.
  • HDFC Dinner Club Black Credit Card:

    This card is powered by HDFC Bank and if you spend 5 lacs to 10 lacs per year then this card is best for you.

Best Credit Card for Travelling

  • HDFC Infinia Credit Card:

    This card is introduced by leading bank HDFC and if you spend more then 10 lacs in years then this HDFC Infinia Credit Card is best for you.
  • HDFC Dinner Club Black Credit Card:

    This card is powered by HDFC Bank and if you spend 5 lacs to 10 lacs per year then this HDFC Dinner Club Black Credit Card is best for you.
  • Axis Visatra Infinite Credit Card:

    This card is powered by Axis Bank and if you spend more then 7.5 lacs  per year & have route of Vistara Airline in your travelling then Axis Visatra Infinite Credit Card is best for you.
  • Kotak Indigo 6E Reward XL Credit Card:

    This card is powered by Kotak Mahindra Bank. If you unable to get HDFC Infinia Credit Card, HDFC Dinner Club Black Credit Card, Axis Visatra Infinite Credit Card then you can apply. Get 2% cash back spending on Indigo Airlines Routes.

Best Credit Card for Bill Payment:

  • Axis ACE Credit Card:

    This card is powered by Axis Bank and if you spend more the 2 lacs per year then this Axis ACE Credit Card is best for you.
  • Axis FreeCharge Credit Card:

    This card is introduced by Axis bank and if you spend 50,000 (Fifty thousands) to 2 lacs per year then Axis FreeCharge Credit Card is best for you.
  • HDFC Infinia Credit Card – (Payzapp 3*RP Offer):

    This card is powered by leading bank HDFC and if you spend more the 10 lacs yearly then HDFC Infinia Credit Card is best for you.

Credit Card for Fuels:

  • SBI BPCL Octane Card:

    This card is powered by State Bank of India (SBI) and get 6.25% cash back on fuel expense of up to 10000 per month then the best SBI BPCL Octane Card  for you in fuel  .
  • Axis IOCL Card:

    This card is powered by Axis Bank and get Cashback If you spend of fuel up to 5000 per month then Axis IOCL Card is best credit cards for you in fuel.
  • HDFC IOCL Card:

    This card is powered by HDFC Bank and get cashback on if you spend on up to 3,000 per month then HDFC IOCL Card is best credit card for you.

Best Credit Card for All(As per Spending)

  • ICICI Amazon Pay Credit Card:

    This card is for who spend less or less then 2 lacs per year with zero annual fees.
  • Axis Ace Credit Card:

    If you spend more then 2 lacs per year then Axis Ace Credit Card is best for you.
  • HDFC Infinia Credit Card:

    If you spend more then 10 lacs per years  in spending then this HDFC Infinia Credit Card is best for you.
  • HDFC Dinner Club Black Credit Card:

    if you spend more then 5 lacs then HDFC Dinner Club Black Credit card is best for you as per spending.
  • Standard Charted Ultimate Credit Card:

    if you spend very high then this Standard Charted Ultimate Credit card suit and best for you.

Any query feel free to contact.

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