Discover Your Perfect Credit Card!

Perfect Credit Card!

Explore cards tailored for your lifestyle

Already Applied?

Assured Rewards

Instant Application

100+ Credit Cards

All You Need is the

Right Card, Right Here.

Overview

With credit cards, it is easy and flexible to build credit history, earn rewards, and finance purchases. They provide short-term credit so that you can purchase now and pay for it later. As long as the payment is done by the due date, the customer doesn't normally pay for interest.

Credit cards provide various advantages ranging from travel privileges requirements like getting into airport lounges and getting travel insurance to rewards programs like cashback and points to air miles.

However, it is important to utilize prudently lest the user gets into trouble with high rates of interest, late payment penalties, and overspending. Managing credit utilization, monitoring purchasing habits, and making sure that payments are timely will help you maximize your credit card benefits.

Best credit cards in India

Rewards and lifestyle benefits are just a few of the aspects that India has to offer through its wide array of credit cards-from travel and shopping to many others. Your spending patterns and the features you value most will determine which card is best for you.

Credit card name	Rewards	Annual fees	Best suited for
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.
Axis Bank Reserve Credit Card	Domestic and international lounges unlimited access with Priority Pass.	₹50,000	Travel & rewards
Axis Atlas Credit Card	Foreign lounges can be accessed up to 12 times in a year.	₹5,000	Travel & rewards.
HDFC Regalia Gold Credit Card	Reliance Digital, Myntra, Nykaa, and Marks & Spencer 5X reward points.	₹2,500	Travel & shopping.
Cashback SBI Card	5% reward on all purchases made online.	₹999	Cashback & online shopping.
Tata Neu Plus HDFC Credit Card	Tata Neu can return up to 7% of its expenditures.	₹499	Co-branded & shopping.
HSBC Platinum Credit Card	Air India, InterMiles, British Airways, Singapore Airlines, Vistara, and Etihad convert air miles.	Nil	Travel & dining.
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.
Amazon Pay ICICI Credit Card	Reward points are redeemable on Amazon.in and at more than 100 Amazon Pay merchant locations.	Nil	Cashaback
Federal Bank Signet Credit Card	Free Swiggy coupons can be availed when you spend Rs. 20,000 in a quarter.	Nil	Rewards.

Features and benefits of credit cards

Secure and convenient: Credit cards are a great alternative to cash when carrying out important transactions. For instance, contactless payment systems make a purchase safer and quicker.
Rewards and cash backs: You get cashback, points, or miles for every purchase you make with your credit card. You can use these rewards to book airfares, purchase merchandise, obtain gift cards, or receive statement credits.
Building your credit score: If you use your credit card wisely, your credit card will cost you less: make payments on time, and keep your utilization ratio low. Over a period of time, you'll manage to create a good standing profile.
Interest-free period: Most credit cards have an interest-free period of between 20 and 50 days. During this period, you can make purchases without attracting interest. As a result, by taking time to budget your spending and then pay off the entire amount due, you should be able to avoid certain hefty interest charges.
Discounts and deals: Credit cards can allow you to access exclusive events or offers and savings examples of these might include free movie tickets, a restaurant discount, or an upgrade on a trip that gives added worth to what you spend money on.

Types of credit cards

Co-branded credit cards: These are issued in conjunction with specific businesses, whether it is airlines, retail stores or internet portals, and you get extra rewards when you shop at those businesses.
Travel credit cards: Travel credit cards cater to frequent travelers since they come with benefits such as free airport lounge access, miles in terms of free travel, as well as saving a fortune when you book flights and even hotel rooms.
Fuel credit cards: Reducing the cost of fuel is the objective of fuel credit cards. The petrol stations that accept fuel credit cards usually provide waivers of gasoline surcharge, cashback, and reward points on purchased fuel.
Super premium credit cards: Only high net worth individuals can be targeted as these super premium credit cards come with special luxury benefits such as unlimited complimentary airport lounge access, round-the-clock concierge services, free golf games, and higher reward rates.
Shopping credit cards: These credit cards make each shopping spree much more rewarding as they provide cash back, discount rewards, and points on purchase transactions made in stores and online, from established merchants.
Lifetime free credit cards: For newbies to credit, lifetime-free credit cards are perfect because there is no yearly renewal or joining fee.
Rewards credit cards: With each purchase, rewards credit cards earn you points that you redeem for a list of products or services, including cashback, gift cards, flights, and items.
Cashback credit cards: Cashback credit cards give you value immediately by paying you back as cashback or redeemable points on a fraction of your purchase. Cash is usually applied against your statement balance or credited in your account.

Credit card eligibility

Before applying for a credit card you need to find out the eligibility criteria set by different lenders to avail the benefits of credit cards. However, the eligibility criteria can vary from lender to lender but the basic requirements is as follows:

Credit score: 750 or more.
Age: The applicant age should lie between the bracket of 18 years to 60-65 years.
Income: Stable monthly income.
Employment: Self employed or salaried individuals both can apply.

How to apply for a credit card?

In a few simple steps you can easily apply for a credit card in your preferred way, that is online and offline by visiting the bank's branch.

Steps to apply for credit card online

Step 1: Visit the website of the bank of your preferred choice, and select the credit card type you find most suitable and check for the eligibility criteria.
Step 2: If eligible for the credit card, then submit the required documents for the verification process to start.
Step 3: After submitting the documents, complete the application procedure.
Step 4: Visit the website of the bank of your preferred choice, and select the credit card type you find most suitable and check for the eligibility criteria.

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.