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Which credit card is best in INDIA?

You should first analyze which one suits your needs the most depending upon your highest spending category. I have already bifurcated the cards but please do the analysis on the spending pattern before applying. I did my own analysis but the main content was found here and have been constantly using it to save money and make money through klippd.

Online Shopping

SBI SimplyClick Card:

2.5% cash back on amazon, foodpanda, ola, lenskart and many more

Rs. 500 amazon gift voucher as joining gift

Up to Rs. 4,000 in amazon gift voucher on reaching various thresholds

This card would help you save always on online shopping like amazon, lenskart etc

SBI Yatra Card:

Get Rs. 8250 yatra vouchers on joining

3% cash back on yatra, departmental and grocery stores

Complimentary Lounge Access

Big bazaar: This card would also give you 2.5% cash back for restaurant spends

SBI FBB StyleUP Card:

Welcome gift voucher worth Rs. 500

Flat 10% discount on apparels, footwear, accessories at FBB and big bazaar

2.5% cash back on spends at big bazaar, food bazaar, FBB, Dining

This card comes for free as you get Rs. 500 cash back every year as bonus


SBI Elite Card offers you

Rs. 5000 joining gift voucher from either Yatra, Hush Puppies/Bata, Marks & Spencer, Westside and Shoppers Stop. You can take your call.

Rs. 500 movie vouchers every month which means an annual savings of Rs. 6000

Rs. 18,000 worth savings in bonus every year on reaching spends of up to Rs. 500,000

2.5% cash back on your groceries, restaurants and departmental stores. This means if we spend like 300,000 per year on groceries, restaurants and department spends. This leads to savings of Rs. 7500 per year.

So for an annual fee of Rs. 4999, you save like approximately Rs. 32000 per year.

SBI SimplySave Card:

This card would give you 2.5% cashback on your grocery spends and departmental store spends.

Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points. These points are worth Rs. 500.

The card does comes with a fees of Rs. 499 but would be waived off, if your spends are more than Rs. 75,000 per year.

Bill Payments

Standard Chartered Super Value

5% on fuel, telephone and utility bills

Spend Rs. 30,000 and get your fees waived off

So, now you know which is the best credit card for you in India.

Stay klippd, Stay frugal, Stay happy