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Best credit cards in India
| Credit card name | Rewards | Annual fees | Best suited for | Check Eligibility |
|---|---|---|---|---|
| HDFC Diners Club Black Credit Card | With five reward points for every Rs. 150 spent, the base rewards rate is high at 3.33%. | ₹10,000 | Travel & rewards. | Apply Now |
| Axis Bank Reserve Credit Card | Domestic and international lounges unlimited access with Priority Pass. | ₹50,000 | Travel & rewards | Apply Now |
| Axis Atlas Credit Card | Foreign lounges can be accessed up to 12 times in a year. | ₹5,000 | Travel & rewards. | Apply Now |
| HDFC Regalia Gold Credit Card | Reliance Digital, Myntra, Nykaa, and Marks & Spencer 5X reward points. | ₹2,500 | Travel & shopping. | Apply Now |
| Cashback SBI Card | 5% reward on all purchases made online. | ₹999 | Cashback & online shopping. | Apply Now |
| Tata Neu Plus HDFC Credit Card | Tata Neu can return up to 7% of its expenditures. | ₹499 | Co-branded & shopping. | Apply Now |
| HSBC Platinum Credit Card | Air India, InterMiles, British Airways, Singapore Airlines, Vistara, and Etihad convert air miles. | Nil | Travel & dining. | Apply Now |
| IndusInd Platinum Credit Card | With IndusInd Bank's surcharge waiver program, there is no gas charge at any petrol station across India. | Nil | Fee waiver. | Apply Now |
| Amazon Pay ICICI Credit Card | Reward points are redeemable on Amazon.in and at more than 100 Amazon Pay merchant locations. | Nil | Cashback | Apply Now |
| Federal Bank Signet Credit Card | Free Swiggy coupons can be availed when you spend Rs. 20,000 in a quarter. | Nil | Rewards. | Apply Now |
FAQs
What does a minimum due amount of a credit card mean?
The minimum due amount simply refers to that minimum bill amount present on your credit card accounts, so you are able to avoid any late fee.
How can credit cards be utilized to repay loan EMIs?
You can pay loan EMIs using your credit card with some credit card issuers, typically through direct payment methods or third-party sites.
What is the annual percentage rate?
APR refers to the interest rate that applies to the balances in a credit card if those are not repaid each year. It presents an overall cost of borrowing during one year since the nominal interest rate is supplemented with any relevant fees.
How can I move funds from my bank account into a credit card?
There are two ways of transferring money from credit cards to a bank account. That is mobile wallets and net banking. It is usually not recommended because it involves high interest rates and lots of other expenses.
How does a credit limit get calculated, and what does it represent?
The amount you can spend with your credit card is called your credit limit. The variables considered by the card issuer when calculating it include your credit score, credit history, type of employment, income, and total relationship value, or TRV.
What are the benefits of credit cards?
The increased spending power, emergency monetary flexibility, points, cashback, and lifestyle benefits such as free lounge access or discounts are just a few of the perks that credit cards offer.