We all know the importance of a credit score when it comes to instant approval on credit cards. Having a good credit score not only improves the chances of getting easy approval but also acts as the door to the world of premium credit cards.

That said, here are the best credit cards to consider if you have a shiny credit score:

1. SBI PRIME Credit Card

SBI Prime is a premium credit card that offers benefits and privileges on dining, shopping, travel, and more. It is an all-rounder card for individuals who are finding ways to save money One of the best benefits of SBI Prime is the welcome vouchers worth ₹3000 from Shoppers Stop, Pantaloons, Marks and Spencer, Yatra, or Bata/Hush Puppies.

1 Reward Point = ₹0.30 (SBI Prime Portal)

Features of SBI PRIME Credit C

• Welcome e-gift vouchers worth ₹3,000
• 20 Reward Points per ₹100  spent on your birthday
• Get 20 Reward Points per ₹100 spent on standing instructions of Utility Bills payments
• Get 15 Reward Points per ₹100 spent on BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends, and Sahakari Bhandar stores
• 10 Reward Points on every ₹100 spent on Grocery, Dining, Movie and Departmental store spends
• 4 complimentary visits per year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
• 8 complimentary visits per year to Domestic VISA/Mastercard Lounges in India (max. 2 visits per quarter)
• Complimentary Trident Privilege Red Tier Membership
• Pizza Hut vouchers worth ₹1000 on spends above ₹50,000>
• Annual fee reversal on spends of ₹3 Lakhs or above
• Milestone e-gift voucher worth 7,000 from Yatra/Pantaloons(annual spends of ₹5 Lakhs or more)

Fees and Charges

2. HDFC Regalia First Credit Card

The HDFC Regalia First comes with a host of benefits ranging from complimentary lounge access, fuel surcharge waiver, and air accidental coverage. It is a premium credit card and caters to individuals with travel needs.

1 Reward Point = ₹0.30 (HDFC Regalia Portal)

Features of HDFC Regalia First Credit Card 

• 4 Reward Points for ₹150 spent

• 40 Reward points on every ₹150 spent at BookMyShow, UBER, Go Air, and more.
• 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi on minimum monthly spends of ₹15,000.
• Fuel Surcharge waiver of up to ₹6,000 per year
• 7,500 bonus points every year on spends of ₹6 Lac.
• Complimentary International Lounge access* (outside India) via Priority Pass membership
• Complimentary Domestic lounge access via Visa/MasterCard Lounge programme
• Up to 15% discount on dining at premium restaurants across India
• Air Accidental Death coverage – 30L (Emergency Overseas Hospitalisation – 10L)

Fees

3. Citi PremierMiles Card

The Citi PremierMiles card is popular due to its feature of converting the reward points into lots of international hotel/airline loyalty programs. Citi Bank is one of the most partnered banks with major hotel stays, both nationally and internationally. This card is most beneficial for travelers as the redemption value is highest when used against hotel and flight bookings.

1 Reward Point = ₹0.45 (Premier Miles Portal)

• The unique features of the Citi PremierMiles card are:
• 10,000 Miles on the spending of ₹1,000 within the first 60 days
• 10 Miles on every ₹100 spent on flight tickets and hotel stays bookings(Premier Miles Portal/select partners)
• Complimentary access at key airport lounges across India
• Complimentary Air Accident Insurance coverage up to ₹1 crore
• Up to 15% savings on dining across participating restaurants

Fees and Charges

4. ICICI Rubyx Credit Card

The ICICI Rubyx credit card is the first dual Platinum credit card in India. It is an upgraded version of the coral credit card offered by ICICI. The card comes in two variants, mainly, American Express or Mastercard, and depending on the same offers a host of benefits.

1 Reward Point = ₹0.25 (ICICI Rubyx Portal)

• Some of the key features of ICICI Rubyx credit card are:
• Joining vouchers worth ₹5000 and a complimentary set of Sennheiser HD219 Headphones on payment of joining fee
• Up to 15,000 PAYBACK points every anniversary year.
• Up to 2 complimentary rounds of golf every month at the golf course
• complimentary domestic airport lounge visits of up to 2 every quarter
• 2 complimentary domestic railway lounge visits every quarter
• complimentary movie tickets every month under the BOGO offer through the BookMyShow website.
• 2X reward points on all international transactions on your card.
• Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme

Fees and Charges

So there you go! These are the top credit cards that can be considered when you have an excellent credit score.

Please note all the above credit cards have their own set of eligibility criteria which need to be met before getting instant approval. IndiaLends is a digital lending and borrowing marketplace that can help you find the best credit cards as per your credit profile.