Best Mastercard Credit Cards 2023

Created on 05 Aug 2023

Wraps up in 5 Min

Read by 1.3k people

Updated on 30 Nov 2023

Mastercard is the second largest payment network in the world, with over 1.05 billion credit and debit cards in circulation in more than 210 countries and territories. Mastercard credit cards come with various features and benefits, such as contactless payments, zero liability protection, price protection, lounge access, fuel surcharge waiver, cashback, discounts, and more.

This leading payment network primarily offers four types of credit cards: Standard Mastercard, Platinum Mastercard, World Mastercard, and World Elite Mastercard. 

Now, since you know that a Mastercard-powered credit card is a superpower in a plastic card, let's dive into the top 5 best Mastercard credit cards that we have researched and found to be the best among the lot.

So let’s get started.

Best Mastercard Credit Cards 2023

1. Club Vistara IDFC FIRST Bank Credit Card

The Club Vistara IDFC FIRST Bank Credit Card is a traveller's dream come true, offering luxurious benefits and exciting rewards. This powerful card lets you experience complimentary flight tickets, class upgrades, lounge access, golf rounds, dining discounts, and more.

Along with the above benefits, this card also rewards you with Club Vistara Points (CV Points) on every spend. 

You can redeem your CV Points for air miles, hotel bookings, gift vouchers, or cashback. Moreover, you can enjoy exclusive privileges such as golf rounds, dining discounts, EazyDiner Prime membership, and a BQ Prime subscription. All this for an annual fee of ₹4999, which is quite reasonable considering the value you get. 

And, if you want to apply for this card, you need to be at least 21 years old and have an annual income of at least ₹3 Lakhs. If you are interested in this card, you can visit the official website of IDFC FIRST Bank or Finology Select to learn more details and apply online.

2. SBI SimplyClick Credit Card

The SBI SimplyClick Credit Card is an excellent choice for those seeking a credit card that caters to their online shopping needs while offering attractive rewards and benefits. 

Geared towards beginners with a minimum monthly income of ₹20,000, this card allows you to earn rewards on your online purchases and provides various exciting features. Upon joining, you'll receive a warm welcome with an Amazon gift voucher worth ₹500, valid for an entire year. Additionally, the card offers a fuel surcharge waiver of 1% on transactions ranging from ₹500 to ₹3000, with a maximum monthly benefit of ₹100. 

And, if we talk about reward benefits that come with the card, then you earn 1 reward point for every ₹100 spent on offline purchases and enjoy 10X reward points on online purchases at partner merchants like BookMyShow and Apollo 24x7, as well as 5X reward points on other online transactions. Moreover, you'll be eligible for milestone benefits, such as an e-voucher worth ₹2,000 from ClearTrip upon reaching annual spends of ₹1 lakh and another ₹2,000 e-voucher for spending ₹2 lakh with the card. 

The SBI SimplyClick Credit Card ensures a rewarding experience, all at a reasonable cost, with a joining and annual fee of ₹499 each. Additionally, if you spent at least ₹1 lakh in the previous year, the renewal membership cost is waived off. 

3. HDFC Bank Regalia Credit Card

The HDFC Bank Regalia Credit Card offers an array of fantastic benefits. With 12 complimentary airport lounge accesses within India and abroad, it ensures a luxurious travel experience. 

You earn 4 reward points on every ₹150 spent on retail purchases, including insurance, utilities, and education. Plus, you get a bonus of 10,000 reward points on spending ₹5 lakhs and an additional 5,000 reward points on spending ₹8 lakhs in an anniversary year. You can also enjoy a 1% fuel surcharge waiver at all fuel stations and up to 20% savings on dining bills via Swiggy Dineout with the Good Food Trail program. Furthermore, the card provides comprehensive protection, including accidental air death cover worth ₹1 Crore and emergency overseas hospitalisation up to ₹15 lakhs. 

You can easily get your hands on this card, as the eligibility requirements are reasonable, making this card accessible to many. The Joining/Renewal membership fee is ₹2500/- + Applicable Taxes. With its remarkable perks and flexible credit options, the HDFC Bank Regalia Credit Card is an excellent choice for eligible individuals.

4. Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is the ultimate companion for avid online shoppers, providing a wealth of cashback and benefits. 

As a welcome gift, you receive a generous sign-up bonus worth ₹1100 on your first transaction within 30 days of issuance. With this card, you earn up to 5% cashback on Flipkart, Myntra, and partner merchants and enjoy 1.5% cashback on all other categories. 

The welcome bonus offers Flipkart vouchers worth ₹500, along with 15% cashback (up to ₹500) on your first Myntra purchase and a fantastic 50% discount (max capped at ₹100) on Swiggy. This card also brings convenience during travel with 4 complimentary lounge visits per year and offers a 1% fuel surcharge waiver (up to ₹400 monthly). 

And if we talk about dining privileges, then your dining experiences are enhanced with a 20% discount at partner restaurants under Axis Bank's 'Dining Delights' program. With an affordable joining and annual fee of ₹500 each and reasonable eligibility criteria, this credit card is a fantastic choice for those aged 18 years and above with a monthly income between ₹15,000 and ₹30,000. 

5. Swiggy HDFC Bank Credit Card

Experience a shower of cashback with the newly launched Swiggy HDFC Bank Credit Card

Get 10% cashback on Swiggy spends, up to ₹1500 per month, in addition to regular offers & discounts. And online shopping enthusiasts can earn 5% cashback on thousands of platforms & apps, up to ₹1500 per month. And that's not all - you can enjoy 1% cashback on other spends, including offline purchases and food, grocery, & dining apps, up to ₹500 per month. 

The welcome benefit includes a free 3-month membership worth ₹1,199, with complimentary perks on Swiggy and other platforms. The card also brings bonus benefits, such as premium golf club access worldwide and discounts on hotels through Agoda. With a cool design that attracts compliments, this card offers both style and cashback. All these benefits allow you to earn up to ₹42,000 per year in cashback!

And the best part is that all this comes at a reasonable joining and annual fee of ₹500. 


These were some of the best Mastercard credit cards that offer you amazing features and benefits. Whether you are looking for travel, shopping, dining, or entertainment, you can always find a card that suits your needs and preferences. Mastercard credit cards are widely accepted and secure, making them a great choice for your everyday transactions.

If you are interested in applying for any of these cards, you can visit Select by Finology, a platform that helps you find, compare and apply for credit cards that suit your needs. It also provides you with unbiased reviews and exclusive offers on various credit cards. You can browse through various credit cards from different credit card issuers and choose the one that matches your lifestyle and goals.

So, what are you waiting for? Apply for your Mastercard credit card today and enjoy the perks of being a Mastercard holder. Visit Select by Finology now and get started.