Top Credit Cards for Women in India

Joining Fee: Rs. 500

Annual Fee: Rs. 500 (Waived off on spending Rs. 50,000 annually)

Best Suited for: Rewards & Grocery Shopping

HDFC Solitaire Credit Card is one of the best credit cards designed for women and offer decent rewards across all categories. This credit card is best suited for day-to-day expenses as it offers accelerated rewards on dining & grocery purchases. Here are some of the major features and benefits of this card:

• 3 reward points for every Rs. 150 spent
• 50% more reward points on dining and grocery expenses
• Shopping vouchers worth Rs. 1,000 on a cumulative spend of Rs. 75,000 every 6 months
• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 to Rs. 5,000
• Redeem reward points against cash at a value of 100 Reward Points = Rs. 20

Suggested read: Best Rewards Credit Cards

Why is this card suitable for women?

HDFC Solitaire Credit Card is specifically designed for women who prefer to shop, dine out and make grocery purchases. Not only this, but it also offers vouchers of popular brands among women, such as Shoppers Stop, Lifestyle, Westside and more. This is a suitable option if you frequently dine out and make grocery purchases, as it offers 50% more rewards on these categories. However, the reward conversion value against cash credit is very low as you need to acquire at least 100 reward points in exchange for Rs. 20. So, you can consider applying for this card if you want to earn basic benefits along with better rewards on dining and grocery expenses.

Read more about HDFC Solitaire Credit Card | Check Eligibility for Similar Cards

Joining Fee: Nil

Annual Fee: Rs. 999 (Reversed on spending Rs. 2 lakh in a year)

Best Suited for: Cashback & Online Shopping

Cashback SBI Card is one of the best cashback credit cards available in the market. This credit card rewards you with 5% cashback for your online spends, which makes it suitable for online shopping. Below mentioned are some of the key features and benefits of this card:

• 5% cashback on online spends
• 1% cashback on offline transactions
• Complimentary domestic airport lounge visits in a year (Max. 1 visit per quarter)
• 1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions of Rs. 500 to Rs. 3,000
• Annual fee reversal on spending Rs. 2 lakh annually

Suggested read: Best Credit Cards for Cashback

Why is this card suitable for women?

Cashback SBI Card is one of the best credit cards for women who frequently shop online. This credit card offers flat 5% cashback on your online purchases, and 1% cashback every time you swipe your card at the PoS machine. No merchant restrictions on cashback make this card a clear winner as most of the cards offer the highest cashback only on select brands. This can be a viable option if you prefer to shop online for almost everything, be it apparel, grocery or food and want to earn decent cashback on your online transactions.

Read more about Cashback SBI Card | Check Eligibility for Similar Cards

Joining Fee: Rs. 499

Annual Fee: Rs. 499 (Reversed on spending Rs. 1 lakh in a year)

Best Suited for: Online Shopping

SBI Simply CLICK Credit Card is an entry-level credit card that is best suited if you frequently shop online. With this card, you can avail extra rewards and benefits on your online expenses with partner brands like BookMyShow, Lenskart, Cleartrip, etc. You can apply for this credit card if your goal is to earn below-mentioned benefits:

• 10 reward points per Rs. 100 spent on online purchases made on Apollo24X7/ BookMyShow/ Cleartrip/ Eazydiner/ Lenskart/ Netmeds
• 5 reward points per Rs. 100 spent on all other online purchases
• 1 reward point per Rs. 100 spent on other categories
• Up to 2 complimentary gift vouchers on achieving spending milestone
• E-gift card worth Rs. 500 after the payment of joining fee

Suggested read: Best Credit Cards for Online Shopping

Why is this card suitable for women?

If you are one of those women who love to book movie tickets, order food, book flight tickets and make most of the purchases online, then SBI Simply CLICK Credit Card can be the right option for you. It is an entry-level credit card that offers good value back in the form of rewards on your online transactions. Besides this, you can also earn 10X rewards on your transactions at brands like Lenskart, Cleartrip, BookMyShow, etc. SBI Simply CLICK can be the right option if you frequently make online transactions at partner merchants. You can also consider this a reasonable option if you are planning to start your credit journey, as it comes with relaxed eligibility.

Read more about SBI Simply CLICK Credit Card | Check Eligibility for Similar Cards

Joining Fee: Rs. 500

Annual Fee: Rs. 500 (Waived off on spending Rs. 1.5 lakh in a year)

Best Suited for: Rewards & Entertainment

RBL Shoprite Credit Card is a suitable option if you are looking for a card that offers entertainment benefits. At an annual fee of Rs. 500, the card gives you a satisfactory value back on your purchases. Here are some of the key benefits of this card:

• 2,000 reward points as a welcome benefit
• 1 reward point for every Rs. 100 spent
• 20 reward points for every Rs. 100 spent on grocery shopping
• 10% discount on movie tickets at BookMyShow
• Annual fee reversal on spending Rs. 1.5 lakh annually

Suggested read: Best Credit Cards for Grocery Shopping

Why is this card suitable for women?

RBL Shoprite Credit Card is best suited for women who want to earn benefits on grocery shopping and movie ticket bookings. With this card, you can save 10% on your movie tickets. Besides this, extra reward points on grocery shopping make this card the right companion for everyday expenses. You can also earn bonus reward points on achieving the spending milestone and later redeem them against a variety of categories. To make the most out of this card, you can use it for day-to-day expenses and booking movie tickets.

Read more about RBL Shoprite Credit Card | Check Eligibility for Similar Cards

Joining Fee: Rs. 500

Annual Fee: Rs. 500 (Waived off on spending Rs. 2 lakh in a year)

Best Suited for: Cashback, Shopping & Travel

Flipkart Axis Bank Credit Card is a co-branded credit card that offers good value back on your purchases in the form of cashback. You can make the most out of this credit card if you frequently shop at Flipkart and Myntra as it offers the highest benefits on these brands. Some of the major benefits of this credit card are listed below:

• 5% cashback on Flipkart & Myntra
• 4% cashback on transactions at preferred merchants (Uber, Swiggy, PVR, Curefit, Tata Play, Cleartrip)
• 1.5% cashback on all other transactions
• Welcome benefits worth Rs. 1,100
• 4 complimentary domestic lounge visits every year

Also read: Amazon Pay ICICI Credit Card Vs Flipart Axis Bank Credit Card

Why is this card suitable for women?

Flipkart Axis Bank Credit Card is a co-branded credit card that offers cashback on your online as well as offline transaction. This credit card is suitable for women who frequently shop at Flipkart and Myntra as you can earn 5% cashback on your transactions at these brands. You can also earn 4% cashback on brands like Uber, Swiggy, Tata Sky and more and a flat 1.5% cashback on all other transactions. Besides shopping, this credit card also offers domestic lounge access every year, which is an additional benefit if you frequently travel. However, if you are someone who prefers to shop at Amazon rather than Flipkart, then you can also consider applying for Amazon Pay ICICI Credit Card.

Read more about Flipkart Axis Bank Credit Card | Check Eligibility for Similar Cards

Joining Fee: Rs. 495

Annual Fee: Rs. 495 (Waived off on spending Rs. 40,000 and above in the previous year of card membership)

Best Suited for: Rewards & Online Shopping

American Express SmartEarn™ Credit Card is an entry-level credit card that lets you earn reward points on every transaction. This is best suited if you love to shop online as it offers higher rewards on brands like Amazon, Flipkart, Swiggy and more. Here are some of the key features and benefits that you can avail with this card:

• 10X Membership Rewards Points on every Rs. 50 spent on Flipkart, Amazon and Uber
• 5X Membership Rewards Points on every Rs. 50 spent on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and more
• 1 Membership Rewards Point for every Rs. 50 spent on other categories except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale
• 500 cashback as a welcome gift on spending Rs. 10,000 in the first 90 days of card membership
• Vouchers worth Rs. 500 each on achieving the spending milestone of Rs. 1.20 lakh, Rs. 1.80 lakh and Rs. 2.40 lakh, respectively in a card membership year

Suggested read: Best Low Annual Fee Credit Cards

Why is this card suitable for women?

American Express SmartEarn™ Credit Card is a rewards credit card that is best suited for online shopping. With this card, you can earn Membership Rewards Points on your transactions and later redeem them as per your requirements. However, you can make the most out of this card if you are a frequent user of Amazon, Flipkart, Uber, Swiggy, BookMyShow and other partner merchants. Other than online shopping, you can also avail vouchers on achieving the spending milestones. The good thing is this credit card has multiple milestones, which gives you multiple chances to enhance your savings. This is a good option if your goal is to earn good value back on your online transactions. American Express SmartEarn™ Credit Card is also suitable if you are looking for a low annual fee credit card with satisfactory welcome benefits.

Read more about American Express SmartEarn™ Credit Card | Check Eligibility for Similar Cards

Joining Fee: Rs. 2,500

Annual Fee: Rs. 2,500 (Waived off on spending Rs. 3 lakh in a year)

Best Suited for: Shopping & Travel

HDFC Regalia Credit Card is best suited for people who want to earn rewards on their purchases. This credit card gives good value back in the form of rewards, along with basic travel benefits. Below mentioned are some of the major features of this credit card:

• 4 reward points on every Rs. 150 spent across retail spends
• Up to 15,000 reward points as milestone benefit
• 12 complimentary visits to airport lounges per calendar year within India, at both domestic and international terminals (6 each)
• Complimentary Priority Pass membership with 6 complimentary lounge access in a calendar year, outside India*
• Low foreign currency markup fee of 2% on your transactions

*Terms and conditions applicable.

Suggested read: Best Travel Credit Cards in India

Why is this card suitable for women?

HDFC Regalia Credit Card lets you save on your expenses across multiple categories, be it shopping travel, fuel and more. This credit card is best suited for women who want to earn reward points on their purchases along with basic travel benefits. You can earn 4 reward points on all your retail spends via this credit card. Besides this, a low forex markup fee, Priority Pass membership and complimentary lounge access make this credit card a valuable choice for women who frequently travel. Overall, this credit card lets you save on multiple categories but primarily offers better benefits on travel and retail spends.

Read more about HDFC Regalia Credit Card | Check Eligibility for Similar Cards

Joining Fee: Rs. 3,000

Annual Fee: Rs. 3,000

Best Suited for: Travel

Axis Vistara Signature Credit Card is a co-branded travel credit card that offers benefits in the terms of lounge access, discount on air ticket bookings, travel insurance and more. This is a viable option if you are a Vistara loyalist and are looking for a card that offers decent benefits on multiple categories. Here are some of the key features and benefits:

• Vistara Premium Economy class ticket as a welcome benefit in the first year and in subsequent years when you renew your card
• 4 Club Vistara (CV) points per Rs. 200 spent across all categories
• Up to 4 complimentary premium economy tickets on reaching spending milestones
• Free access to select airport lounges in India
• 20% discount at partnered restaurants in India
• 3 complimentary rounds of golf at some of India’s best destinations

Suggested read: Best Co-branded Credit Cards

Why is this card suitable for women?

Axis Vistara Signature Credit Card is a travel credit card that offers good value back on your bookings at Vistara. This credit card is specifically designed for Vistara loyalists as you can earn Club Vistara (CV) points on your transactions and later redeem them on your future Vistara bookings. Apart from travel bookings, you can also avail other privileges like complimentary lounge access, dining discount, free golf games, exclusive concierge services and more. However, women who frequently travel and make bookings through Vistara can make the most out of this card.

Read more about Axis Vistara Signature Credit Card | Check Eligibility for Similar Cards

Joining Fee: Rs. 2,999

Annual Fee: Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year)

Best Suited for: Travel, Shopping & Rewards

SBI Prime Credit Card offers benefits across multiple categories, including shopping, travel, dining and more. Also, this credit card offers decent rewards on everyday transactions like grocery and departmental store purchases. Below mentioned are some of the major features and benefits of this card:

• E-gift vouchers worth Rs. 3,000 as welcome benefits
• 20 reward points for every Rs. 100 spent on your birthday
• 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies
• 2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel
• Complimentary Trident Privilege Red Tier and Club Vistara memberships
• 4 complimentary lounge visits per calendar year to international priority pass lounges, outside India (Max. 2 visits in a quarter)
• 8 complimentary lounge visits per calendar year to domestic lounges in India (Max. 2 visits per quarter)

Suggested read: Best Super Premium Credit Cards in India

Why is this card suitable for women?

SBI Prime Credit Card is an all-rounder credit card that is suitable for women who want to avail benefits across multiple categories like shopping, dining, travelling and more. The card gives you accelerated rewards on daily categories like groceries, departmental store purchases and dining, which makes it a good option for women who put most of their expenses on credit cards. Other than rewards, if you frequently travel, then benefits like complimentary lounge access, car rentals, hotel stays and exclusive memberships can help you save a lot on your travel. Overall, this is one of the best credit cards that offer benefits similar to premium credit cards but charges a low annual fee, as compared to them.

Read more about SBI Prime Credit Card | Check Eligibility for Similar Cards

Joining Fee: Nil (Applicable till February 2023)

Annual Fee: Nil (Applicable till February 2023)

Best Suited for: Shopping & Entertainment

Axis My Zone Credit Card offers benefits on multiple brands like Paytm Movies, Swiggy, Ajio and more. Additionally, this credit card also comes with complimentary SonyLIV annual membership, which is a good deal, if you regularly stream online. The benefits offered by this credit card are mentioned below:

• Buy One Get One Free on booking movie tickets via Paytm Movies
• 40% off on your orders via Swiggy
• Free SonyLiv 1 year subscription
• Flat Rs. 600 off at Ajio on your orders above Rs. 2,000
• 4 EDGE reward points on every Rs. 200 spent via this credit card
• 1 complimentary access to select airport lounges within India per calendar quarter

Suggested read: Best Entry-level Credit Cards

Why is this card suitable for women?

Axis My Zone Credit Card is an entry-level credit card that is best suited for women who are planning to start their credit journey. With this card, you can save on top brands like Swiggy, Ajio and Paytm Movies along with other benefits like complimentary lounge access, free SonyLiv annual subscription and more. You can also earn reward points on every purchase with this card. However, apart from basic benefits, this credit card does not have much to offer. This is an ideal option for credit card beginners who are looking for an option to save on regular purchases.

Read more about Axis My Zone Credit Card | Check Eligibility for Similar Cards