Best Credit Cards In India (2024)

Updated on - 03 September 2024

You must choose the credit card that best meets your needs because everyone has different goals when it comes to credit cards. Some credit cards work better for online bill payments and others for finding great deals.

Our article has listed below some of the best credit cards in India to assist you in making an informed decision.

Top-Rated Credit Cards in India for 2024

The most budget-friendly credit cards are those that are listed below:

Name of Credit Card and Bank	Joining Fee	Annual Fee
IDFC First Millennia Credit Card	Nil	Nil
ICICI Rubyx Credit Card	₹3,000 + GST	₹2,000 + GST
Yes First Reserv Card	₹1,999+ Taxes	₹1,999+ Taxes
HDFC Regalia Card	₹2500 + Taxes	₹2500 + Taxes
FIRST Wealth Credit Card	Nil	Nil
HDFC Infinia Card	₹12,500 + Taxes	₹12,500 + Taxes
SBI SimplySAVE Credit Card	₹499	₹499
Axis Flipkart credit card	₹500 + Taxes	₹500 + Taxes
ICICI Emeralde Credit Card	₹ 12,499	₹ 12,499
Axis Bank ACE Credit Card	₹ 499	₹ 499

IDFC First Millennia Credit Card

The IDFC First Millenia Credit Card has low charges and high benefits. Interest rates start from 9% p.a. and you can avail interest-free cash withdrawals up to 48 days. You must have a minimum yearly income of Rs.3 Lakh to be eligible for this card.

Suitable for: People looking for high reward points, low interest rates, and online as well as offline shoppers.

Joining Fee	Nil
Annual Fee	Nil
Other Benefits & Features	25% discount on movie tickets up to ₹100 on Paytm mobile app, every once a month Welcome voucher of ₹.500 on spending a minimum of ₹5,000 in the first 30 days Four complimentary railway lounge visits, each quarter Free Roadside Assistance valued at ₹1,399 1% of the fuel surcharge is waived at all fueling stations in India. Personal Accident Cover and Lost Card Liability Cover of ₹2 Lakh and ₹25,000, respectively 1X Reward Points for paying utility bills and insurance premiums

ICICI Rubyx Credit Card

The ICICI Rubyx Credit Card is attractive if you enjoy unlimited rewards and offers. To be eligible, your minimum monthly salary should be ₹50,000. If you are self-employed, your annual income should be more than ₹5.5 Lakh.

Suitable for: People who enjoy golf, dining out, and discounts on movie tickets.

Joining Fee	₹3,000 + GST
Annual Fee	₹2,000 + GST
Other Benefits & Features	15,000 ICICI Bank Reward Points on your anniversary each year. Two free rounds of golf each month (one round for every ₹50,000 spent in the prior month). Two complimentary access each quarter to specific Indian airport lounges Welcome vouchers worth more than ₹ 5,000 within 45 days. Tata CliQ Voucher worth ₹ 2,000 Two EaseMyTrip Vouchers worth ₹1,000 each

Yes First Reserv Credit Card

Previously known as the Yes First Exclusive Credit Card, the Yes First Reserv Credit Card charges only 2.99% on revolving credit. It offers air miles and instant EMI options for your purchases.

The eligibility criteria require you to be an Indian citizen, within 21-60 years old, and have a net income of ₹2 Lakh per month.

Suitable for: People who shop online often and are frequent fliers.

Joining Fee	₹1,999+ Taxes
Annual Fee	₹1,999+ Taxes
Other Benefits & Features	One golf lesson per year at a few Indian golf courses Credit Shield coverage of ₹15 Lakh, Lost Card Liability of ₹15 Lakh to ₹30 Lakh, and up to ₹50,000 in insurance against unintentional damage for six months for online-purchased mobile and electronic devices 1% of the fuel surcharge between ₹400 and ₹5,000 is waived Use your YES Bank Credit Card to receive a minimum 15% discount while dining at specified restaurants Access to airport lounges worldwide for Mastercard and Visa cards, as well as three complimentary lounge visits every quarter in India

HDFC Regalia Credit Card

The HDFC Regalia Gold Credit Cardcan get you 5 times reward points to shop from certain brands. To be eligible for this card, you must be an Indian citizen and above the age of 21.

If you are salaried, your monthly income should be more than ₹1 Lakh and you should be within 60. If you are self-employed, your ITR should be more than ₹12 Lakh p.a., and your age should be within 65.

Suitable for: People who are heavy shoppers, especially from Marks & Spencer, Myntra, Nykaa & Reliance Digital.

Joining Fee	₹2500 + Taxes
Annual Fee	₹2500 + Taxes
Other Benefits & Features	Welcome benefits include complimentary Club Vistara Silver Tier and MMT Black Elite membership Vouchers of ₹1,500 on quarterly expenditures of ₹1.5 lakh Flight vouchers worth ₹5,000 on yearly expenditures of ₹5 lakh and an extra ₹5,000 voucher on expenditures of ₹7.5 lakhs 5X Reward Points for purchases made at Reliance Digital, Myntra, Nykaa, and Marks & Spencer Free lounge access in more than 1000 airports Every ₹150 spent (on retail* purchases) earns you 4 reward points

FIRST Wealth Credit Card

The FIRST Wealth Credit Card is a lifetime free card. In this case, the joining bonus is not applicable for card upgrades and add-on users. The eligibility criteria is having an income of over ₹36 Lakh.

Suitable for: Beginners looking for a luxurious card at affordable maintenance charges.

Joining Fee	Nil
Annual Fee	Nil
Other Benefits & Features	A lifetime free credit card After 30 days of the card's generation, spend ₹5,000 or more to receive a welcome voucher worth ₹500 5% cash back on the first EMI transaction amount made within 30 days after card creation, up to ₹1,000 3X Reward Points for a statement cycle on purchases up to ₹20,000 10 times the reward points for exceeding ₹20,000 in a statement cycle and on your birthday Only 1.5% forex mark-up ‘Buy One, Get One' offer on movie tickets on the Paytm mobile app, up to ₹250 (usable twice per month) With a monthly spending of ₹20,000, you will receive 2 complimentary visits to domestic airport lounges and spas and 2 complimentary visits to international airport lounges per quarter

HDFC Infinia Credit Card

The HDFC Infinia Credit Card is a metal card that offers complimentary Club Mariott membership and nights & buffets in select ITC hotels. Membership of this card is by invitation only.

Suitable for: Pro credit card users who want a luxurious-looking card as well as luxury services.

Joining Fee	₹12,500 + Taxes
Annual Fee	₹12,500 + Taxes
Other Benefits & Features	Enjoy the Welcome and Renewal advantage of 10,000 reward points* upon fee realization and card activation Spend ₹8 Lakh or more in the previous 12 months and get the renewal membership charge waived for the next year Complimentary nights and buffets in affiliated ITC hotels Complimentary Club Marriott membership for the first year Access airport lounges worldwide for Primary and Add-on members Earn 5 Reward Points for every ₹150 spent Global Personal Concierge - 24 X 7 Unlimited Complimentary golf games at top courses across India and around the world. Priority Pass provides unlimited complimentary lounge access at 1,000+ airport lounges in India and abroad.

SBI SimplySAVE Credit Card

The SBI SimplySAVE Credit Card offers reward points for every purchase, wherein each reward point is equal to ₹0.25. You can get your annual fee waived off from the second year onwards if you spend more than ₹8,334 per month for 1 year.

Suitable for: Beginners who want an affordable card with low maintenance fees.

Joining Fee	₹499
Annual Fee	₹499
Other Benefits & Features	Spend Rs. 2,000 or more in the first 60 days and receive 2,000 additional Reward Points. Enjoy 10 reward points for every Rs 150 spent on dining, movies, department stores, and groceries. Get an annual membership fee reversal starting from the second year of your subscription. 1% fuel surcharge at any fuel station You can use your SimplySAVE SBI Card in over 24 million stores around the world, including 3,25,000 in India. Transfer the unpaid balance of other bank's credit cards to your SimplySAVE SBI Card, and get a cheaper interest rate and pay back in EMIs.

Axis Flipkart credit card

The Flipkart Axis Bank Credit Card offers attractive welcome benefits and cashback on every spend. You can enjoy dining offers and complimentary lounge visits.

Suitable for: Beginners who are looking for an affordable card with ample benefits. It will also be good for the people who shop extensively on Flipkart.

Joining Fee	₹500 + Taxes
Annual Fee	₹500 + Taxes
Other Benefits & Features	Earn 5% cashback on purchases at Flipkart. Enjoy four complimentary domestic airport lounges annually. Up to 15% off at partner restaurants throughout India. Receive a welcome voucher from numerous brands. When you first use your Flipkart Axis Bank credit card, you'll receive INR 500 in Flipkart coupons. Get 50% off, up to INR 100, on your first Swiggy order 4% accelerated cashback at PVR cinemas

ICICI Emeralde Credit Card

The ICICI Emeralde Credit Card is a premium metal card. This card is invite-only and has attractive reward points. You can redeem your reward points both through internet banking and the iMobile Pay app.

Suitable for: People who enjoy a luxurious lifestyle and are looking for a premium card.

Joining Fee	₹ 12,499
Annual Fee	₹ 12,499
Other Benefits & Features	Unlimited free use of the international lounges Unlimited free use of the domestic lounges There are no cancellation fees for domestic travel or hotel reservations Take pleasure in having freedom while choosing your membership plan Take advantage of free unlimited domestic airport spa access Every month, enjoy free golf matches A ₹ 5000 shopping ticket from Tata CLiQ to help you kick off your birthday month in style A 24x7 concierge service to take care of your every need

ICICI Emeralde is a super premium credit card and is invite-only. The holder must earn ₹ 2,50,000 or above as net monthly salary income or have an annual Income Tax Returns filed

Of ₹ 30,00,000 or above.

Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card offers cashback on every spend. All Indian citizens between the age of 18 and 70 can apply for this card. With this card, you can enjoy discounts on dining and also easily convert your purchases to easy EMIs.

Suitable for: People who want a card with a low joining and annual fee and good cashback offers.

Joining Fee	₹ 499
Annual Fee	₹ 499
Other Benefits & Features	5% cashback is available for DTH recharges, bill payments and mobile recharges made with Google Pay. 4% cashback on Zomato, Ola, and Swiggy 1.5% return on all additional purchases 4 complimentary domestic airport lounge access per calendar year 1% fuel surcharge waiver across all fuel stations in India on fuel purchase Get up to 15% at 4000+ partner restaurants in India

Best Travel Credit Card India

Travel credit cards are a unique kind of credit card that provides a variety of benefits, including reward points and loyalty programs, as well as travel memberships, hotel vouchers, and welcome bonuses.

Here are a few of India’s best travel credit cards in India:

Name of Credit Card and Bank	Joining Fee	Annual Fee
IDFC Wow Credit Card	₹199 + GST	₹199 + GST (Second year onwards)
HDFC Bank Diners Club Miles Credit Card	₹1,000 + Taxes	₹1,000
YES Bank Premia Credit Card	₹999 + Taxes	₹999 + Taxes
Club Vistara SBI Card	₹1,499 + taxes	₹1,499 + taxes
SBI Platinum Card for IRCTC	₹500 + Taxes (One Time)	₹300

IDFC Wow Credit Card

The IDFC Wow Credit Card is a premium secured credit card. You don’t need to submit any income proof to qualify for this credit card. You can get high credit limits, up to 100% of your FD amount.

Additionally, you can also get a 7.50% interest on the FD you keep.

Suitable for: People with low credit scores or no credit history.

Joining Fee	₹199 + GST
Annual Fee	₹199 + GST (Second year onwards)
Other Benefits & Features	4X rewards on every purchase Various offers from over 300 partner businesses 20% off at over 1500 partner restaurants No Forex mark-up fee Complimentary roadside assistance 1% Fuel surcharge waiver at all the fuel stations across India to the maximum of ₹200 a month Personal Accident Cover of ₹2,000,000 and Lost Card Damage Cover of ₹25,000 Up to 20% off at partner restaurants Up to 15% off at partner health and wellness stores

HDFC Bank Diners Club Miles Credit Card

The HDFC Bank Diners Club Miles Credit Card has a range of travel, lounge, and dining benefits. 1 reward point is equivalent to 1.00 AirMile. Please note that HDFC is not issuing this card currently, but old cardholders can enjoy the benefits as usual.

Suitable for: Travel enthusiasts on a budget.

Joining Fee	₹1,000 + Taxes
Annual Fee	₹1,000
Other Benefits & Features	Relax in 1000+ best lounges across the world with complimentary entry six times a year via our exclusive lounge program Enjoy the perks of having a concierge for all your travel requirements Earn 4 Reward Points each ₹150 spent Redeem your points for airline tickets and hotel accommodations Earn one mile per reward point Credit Liability Coverage of up to ₹9 Lakh Travel Insurance Coverage of up to ₹50,000 for baggage delay or loss

YES Bank Premia Credit Card

The YES Bank Premia Credit Card gives rewards on movie tickets, airline tickets, and hotel bookings. To be eligible for this credit card, you need to be within 21 to 60 years. If you are salaried, your minimum monthly income should be ₹1,20,000. Your IT return should be ₹14.4 Lakh or more if you are self-employed.

Suitable for: Travel enthusiasts looking for a card within ₹1,000.

Joining Fee	₹999 + Taxes
Annual Fee	₹999 + Taxes
Other Benefits & Features	Enjoy three complimentary lounge visits each year Earn 6 reward points when you spend ₹200 Enjoy a 15% discount at the recommended dining establishments Spend ₹2,00,000 and get a Renewal Anniversary Fee waiver Enjoy a first-year fee waiver on spending ₹20000 within 30 days of card activation Interest is charged at 3.5% on a revolving loan or overdue amount Preferential foreign currency markup of only 2.50%

Club Vistara SBI Card

The Club Vistara SBI Card offers great rewards on travel and fuel. You get 1 economy ticket as a gift when you pay the annual fee. This card can be used for contactless payments and can be used globally.

Suitable for: People looking for a medium-range card with great benefits and rewards.

Joining Fee	₹1,499 + taxes
Annual Fee	₹1,499 + taxes
Other Benefits & Features	Receive 1 Economy class ticket as an E-Gift Voucher with payment of the annual / renewal price Enjoy four complimentary visits per year to domestic airport lounges (with a maximum of one per quarter) Up to four cancellations each year, each restricted at ₹3,500 Liability coverage for lost cards up to ₹1 Lakh Air Accident Coverage up to ₹50 Lakh Get one Economy class ticket each on annual spending of ₹1.25 Lakh, ₹2.5 Lakh, and ₹5 Lakh

SBI Platinum Card for IRCTC

The SBI Platinum Card is one of the most affordable credit cards for travel enthusiasts. You get great offers on railway tickets and complimentary railway lounge access as well. You can also transfer the outstanding balance of other credit cards to this card.

Suitable for: Train travel enthusiasts who want a super-affordable credit card.

Joining Fee	₹500 + Taxes (One Time)
Annual Fee	₹300
Other Benefits & Features	Get a 350 activation bonus. Reward points for a single transaction of ₹500 or more within 45 days after card issuance Receive one reward point for every ₹125 spent on non-fuel retail purchases, including train ticket purchases Buy tickets on the IRCTC website and app (except sleeper class) and receive up to 10% value back in Reward Points Enjoy four complimentary train lounge visits per year to participating lounges in India (maximum one per quarter) Save 1% on transaction charges when ordering railway tickets through the IRCTC website

Best Premium Credit Card in India

Are you searching for a premium credit card in India? You have come to the right place. You can find everything from cashback to lounge access, complimentary hotel stays, and business class tickets with these cards.

Name of Credit Card and Bank	Joining Fee	Annual Fee
HDFC Bank Diners Club Black Credit Card	₹10,000 + GST	₹10,000 + GST
ICICI Bank Sapphiro	₹6,500 + GST	₹3,500 + GST
SBI Card ELITE credit card	₹4,999 + Taxes	₹4,999 + Taxes
Axis Bank Magnus Credit Card	₹12,500 + GST	₹12,500 + Taxes

HDFC Bank Diners Club Black Credit Card

The HDFC Bank Diners Club Black Credit Card is a premium metal edition card. Salaried individuals between the ages of 21 and 60, and a minimum monthly income of ₹1.75 Lakh are eligible for this card.

If you are self-employed, you need to be between 21 and 65 years of age and have an ITR of a minimum ₹21 Lakh per year.

Suitable for: People who travel extensively and are global citizens!

Joining Fee	₹10,000 + GST
Annual Fee	₹10,000 + GST
Other Benefits & Features	Complimentary annual memberships to Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK Complimentary Ola Taxis, cult.fit Live, BookMyShow, TataCliQ vouchers on monthly purchases of over ₹80,000 5 Reward Points for each Rs 150 spent Up to 10X Reward Points through SmartBuy and 2X for weekend meals Complimentary golf games on the best courses in the world (6 per quarter)

ICICI Bank Sapphiro Credit Card

The ICICI Bank SapphiroCredit Card is a great card for you if you enjoy fine privileges. Get complimentary airport lounge access and golf passes. All this at just 3.40% per month or 40.80% per annum.

Suitable for: People who want offers across travel, dining, golf, etc.

Joining Fee	₹6,500 + GST
Annual Fee	₹3,500 + GST
Other Benefits & Features	ICICI Bank Rewards offers up to 20,000 PAYBACK Points per anniversary year Mastercard and American Express provide four complimentary domestic airport lounge visits each quarter Two complimentary international airport lounge visits and two complimentary domestic airport spa treatments per calendar year are included with your membership to Dreamfolks DragonPass Lounge Based on your card's eligible spends, you can receive up to four complimentary rounds of golf per month at your preferred golf facility. Buy one ticket and save up to ₹500 on the second ticket, twice a month, through the bookmyshow website Through the Culinary Treats Programme, you can save at least 15% on your dining bill at over 2,500 restaurants across India

SBI Card ELITE credit card

The SBI Card ELITE Credit Card can be availed in Visa, Mastercard, and American Express varieties. All of these have special privileges and offers, each better than the other. You get Club Vistara and Trident Privilege memberships for each.

Suitable for: People looking for both international and domestic complimentary airport lounge visits.

Joining Fee	₹4,999 + Taxes
Annual Fee	₹4,999 + Taxes
Other Benefits & Features	Every year, you get free movie tickets worth ₹6,000. Every quarter, get two complimentary visits to India's domestic airport lounges 6 complimentary airport lounge visits every calendar year, outside India (maximum of two visits each quarter) Earn up to 50,000 Bonus Reward Points worth ₹12,500 every year and 10,000 additional Reward Points by spending ₹3 Lakh or ₹4 Lakh annually Get 5X Reward Points on Dining, Departmental stores, and Grocery Spends and 2 Reward Points per ₹100 on all other spends, except fuel

Axis Bank Magnus Credit Card

The Axis Bank Magnus Credit Card is made for a luxurious lifestyle. You are eligible for this card if you are an Indian citizen, your age is between 18 and 70, and you have a minimum annual income of ₹24 Lakh.

Please note that the 24X7 concierge service has been discontinued from 20th April 2024.

Suitable for: People looking for a high-end card with offers across travel, stay, movies, dining, health, wellness, etc.

Joining Fee	₹12,500 + GST
Annual Fee	₹12,500 + Taxes
Other Benefits & Features	Enjoy unlimited complimentary visits at select domestic airports in India Get unlimited complimentary visits to international airport lounges Up to 15% off at International and domestic Oberoi & Trident hotels Avail up to 40% discount at over 4000 restaurants in India Insurance benefits such as purchase protection, lost card liability, air accident cover, and more

Best Credit Card For Reward Points

Reward credit cards are perfect for people looking to save money and get some rewards. These cards are simple yet effective in offering the kind of benefits that customers like. Here are a few of the best reward credit cards in India.

Name of Credit Card and Bank	Joining Fee	Annual Fee
SBI Card PRIME	₹2,999	₹2,999
HDFC Bank Diners Club Black Card	₹10,000 + Taxes	Nil
IDFC FIRST Select Credit Card	Nil	Nil
Bank of Baroda Premier Credit Card	₹1000 + Taxes	₹1000 + Taxes
Tata Neu Infinity HDFC Bank Credit Card	₹1,499 + Taxes	₹1,499 + Taxes

SBI Card PRIME

The SBI Card PRIME can be availed in Visa, Mastercard, and American Express varieties. All of these have special privileges and offers, each better than the other. You get milestone and birthday benefits, Club Vistara and Trident Privilege memberships for each.

Suitable for: People who want a budget credit card with multiple benefits.

Joining Fee	₹2,999
Annual Fee	₹2,999
Other Benefits & Features	Welcome e-gift voucher of ₹3,000 from companies including Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, and more Get a Pizza Hut e-Voucher worth ₹1,000 after spending ₹50,000 in a calendar quarter Waiver of Renewal Fee on annual spending of ₹3 Lakh Enjoy a complimentary Trident Privilege Red Tier membership Four complimentary trips per calendar year to International Priority Pass Lounges outside India (maximum of two visits per quarter) 8 free trips per calendar year to domestic lounges in India

HDFC Bank Diners Club Black Card

A premium metal edition card, the HDFC Bank Diners Club Black Credit Card is one of a kind. It’s not only great for travel enthusiasts but also for people who enjoy offers across other categories like shopping, entertainment, etc.

Suitable for: People who travel extensively and are global citizens! A great card for people looking for a mid-range credit card with attractive benefits.

Joining Fee	₹10,000 + Taxes
Annual Fee	₹10,000 + Taxes
Other Benefits & Features	With your HDFC Bank Diners Club Black Credit Card, you can make use of their special 24/7 concierge services Purchase flight tickets and accommodations across more than 150 airlines and a selection of hotels Activate your credit card for foreign spending and enhance your international daily limit via net banking Receive up to six complimentary entry to 1000+ lounges worldwide in a calendar year Get concierge services for your travel needs

IDFC FIRST Select Credit Card

The IDFC FIRST Select Credit Card is a lifetime-free credit card that is available in Visa and Mastercard varieties. This card has low forex markups and interest rates from just 9.00% to 43.80% per annum.

Suitable for: People looking for a free card with airport lounge access, free movie tickets, offers on brands, and much more!

Joining Fee	Nil
Annual Fee	Nil
Other Benefits & Features	Receive two complimentary trips to domestic airport lounges per quarter with a monthly spending of ₹20,000 Enjoy discounts on Airport Fast Track immigration service in over 450 destinations worldwide The concierge service offers you a modern, personalized experience for self-booking your food, staycation, flights, and activities Access to over 900 luxury hotels worldwide with premium amenities like automatic room upgrade upon arrival, complimentary in-room Wi-Fi, complimentary continental breakfast, and VIP Guest status Coverage includes ₹1 Crore for air accidents, ₹5,00,000 for personal accidents, and ₹50,000 for lost card liability Four complimentary trips to the railway lounge per quarter

Bank of Baroda Premier Credit Card

The Bank of Baroda Premier Credit Card is an affordable card for someone with varied interests. You can get travel, dining, and shopping benefits with this card.

Suitable for: People looking for an affordable credit card with attractive benefits.

Joining Fee	₹1000 + Taxes
Annual Fee	₹1000 + Taxes
Other Benefits & Features	Spend ₹10,000 in 60 days and ₹1,20,000 in a year for the reversal/waiver of annual fees Earn 10 reward points* for every ₹100 spent on travel, dining, or abroad 1% fuel surcharge waiver at all petrol stations across India for transactions between ₹400 and ₹5000 One complimentary airport lounge visit each calendar quarter

Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card is an affordable and attractive card by HDFC. You can redeem the reward points from this card on the Tata Neu website or brands like Air India Express, Croma, Westside, Titan, Tanishq, etc.

To be eligible as a salaried individual, your age must be between 21 and 60 years, and your monthly income must be a minimum of ₹1 Lakh. If you are self-employed, your age must be between 21 and 65, and your annual ITR must be a minimum of ₹12 Lakh.

Suitable for: People looking for a card that gives reward points that can be redeemed while shopping for major brands.

Joining Fee	₹1,499 + Taxes
Annual Fee	₹1,499 + Taxes
Other Benefits & Features	Non-EMI spending on Tata Neu and partner Tata Brands earns you 5% back in NeuCoins 1.5% NeuCoins back on Non-Tata Brand Spending and any Merchant EMI Spending 1.5% back as NeuCoins on UPI spends (including partner Tata Brands) - up to 500 NeuCoins each calendar month Earn an additional 5% back in NeuCoins on certain categories on the Tata Neu App/Website after installing the app and registering for Tata NeuPass

How to Choose the Right Credit Card?

With so many credit card options available today, it can be challenging to choose the right card for your needs. Here are some tips on picking the right card for you -

Consider why you want to apply for a credit card and what you will use it for.

Compare various credit cards based on interest rates, reward points, etc. Many websites have sections where you can compare credit cards to make an informed decision.

Pay close attention to the fees and charges related to credit cards.

Consider the credit score requirements to qualify for your chosen credit card and if you qualify.

Take the annual income required and if you are eligible based on that.

FAQs

Which bank gives credit card easily in India? ›

Apply for Credit Cards Online from Top Banks with Paisabazaar

HDFC Credit Cards	Axis Bank Credit Cards	ICICI Bank Credit Cards
Kotak Credit Cards	SBI Credit Cards	IDFC FIRST Bank Credit Cards
RBL Bank Credit Cards	Standard Chartered Bank Credit Card	American Express Credit Cards

6 days ago

Read On ›

What is the best credit card score in India? ›

CIBIL scores can range anywhere between 300 and 900, with 900 denoting maximum creditworthiness. A CIBIL score of 750 or above in your credit report is ideal. It will aid in qualifying you for personal loans and credit cards.

Discover More Details ›

Which credit card is widely used in India? ›

Credit Card by Banks

Axis Bank Credit Card.
HDFC Bank Credit Card.
Kotak Bank Credit Card.
Federal Bank Credit Card.
SBI Credit Cards.
HSBC Credit Card.
IndusInd Bank Credit Card.
RBL Bank Credit Card.

More items...

Which card is mostly used in India? ›

Visa Debit Cards

This is the most popular payment gateway in India.

See Details ›

Which US credit card works best in India? ›

Credit cards are accepted in India, especially in large cities like Mumbai and Delhi. Visa® and Mastercard® are the most widely accepted credit card networks.

Find Out More ›

Which credit card is number one in India? ›

10 Top Credit Cards in India

Categories	Top Credit Cards
Best Credit Cards for Shopping and Online Purchases	1. Standard Chartered Manhattan Credit Card 2. SBI Simply Click Credit Card 3. Citibank Cashback Credit Card
Best Credit Cards to Travel	1. Indian Oil Titanium Citibank Credit Card 2. HDFC Platinum Plus Credit Card

2 more rows

Aug 18, 2024

Tell Me More ›

Can NRI get a credit card in India? ›

The eligibility criteria to opt for an NRI Credit Card are mentioned below: NRIs must have a Non-Resident Ordinary (NRO) or Non-Resident External Rupee (NRE) account. This is the most important eligibility criteria that are requested by most banks. Few banks require a minimum balance to be maintained in the account.

Show Me More ›

Is an Amex card worth in India? ›

It's a decent credit card for international transactions as you gain over 3% of the spend. However, this is only for those who can extract a value of 1 MR = 1 INR as mentioned in above examples. It's not for everyone!

Explore More ›

What is the highest Indian credit card limit? ›

While the Reserve Bank of India (RBI) has not set a specific limit for credit cards, it has established guidelines for banks and other issuers to follow. Generally, the credit limit for a credit card should not exceed twice an individual's monthly income.

What credit cards do the rich use in India? ›

RBL Platinum Maxima Card

RBL Bank has introduced a premium credit card called the Platinum Maxima Card, exclusively meant for high net-worth individuals in India.

Show Me More ›

Which credit card is most secure in India? ›

Best Secured Credit Cards in India for 2024

Secured Credit Card	Annual Fee
Step UP Credit Card	Nil (Joining fee – Rs. 250 + 18% GST for FDs of up to Rs 5.000; NIL for FDs above Rs 5,000)
SBI Card Unnati	Nil (Rs. 499 from 5th year)
IDFC FIRST WOW! Credit Card	Nil
Kotak 811 #DreamDifferent Credit Card	Nil

1 more row

Read The Full Story ›

Which credit card is most easy to get in India? ›

here are the top 10 best credit cards for beginners in India to help you pick the right one.

HSBC Visa platinum card. ...
HDFC Regalia credit card. ...
HDFC Bank diners club rewards card. ...
SimplyCLICK SBI card. ...
Axis Bank Neo credit card. ...
AmazonPay ICICI Bank credit card. ...
SBI Card Elite.

More items...

Jan 2, 2022

See Details ›

Which credit card has the highest limit in India? ›

Forbes Advisor Ratings

Best High Limit Credit Cards	Forbes Advisor Rating	Credit Limit
Flipkart Axis Bank Credit Card	4.0	Up to 5 lakh
HDFC Regalia Credit Card	3.5	Up to 5 lakh
Axis Magnus Credit Card	3.0	INR 5 lakh
Axis Bank Reserve Credit Card	2.5	5 lakh

1 more row

Get More Info Here ›

Who is the highest credit card holder in India? ›

The largest collection of valid credit cards is 1638 and was achieved by Manish Dhameja (India) in Hyderabad, Telangana, India, on 30 April 2021. Credit cards are a big part of Manish's life. "I think my life was incomplete without credit cards.