Credit Card

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Many more exciting Offers & Rewards

  • American Express Bank
  • ICICI Bank
  • RBL
  • State Bank of India/SBI
  • Standard Chartered Bank
  • HDFC Bank

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Best Credit Cards in India

Credit CardsReward Points and Other OffersFees and Charges
SimplySave SBI Card
  • 10x reward points per ₹100 spent on dining, movies, grocery and departmental stores
  • Earn 2,000 bonus reward points after you spend ₹2000 in the first 60 days 
  • Spend ₹90,000 or above and get your annual fee reversed
  • 1% fuel surcharge waiver for transactions between ₹500-₹3,000 across all petrol pumps
  • One time Annual Fee - ₹499
  • Renewal Fee - ₹499
HDFC Moneyback card
  • Earn 2 reward points on ₹150 spent
  • Earn 2X reward points on online spends
  • Get a fuel surcharge waiver of upto ₹500 per billing cycle
  • Zero Lost Card Liability post the reporting of card loss
Annual Fee - ₹500
ICICI Instant Platinum Credit Card
  • A minimum 15% savings on dining at over 800 restaurants via Culinary Treats Program
  • A discount of up to ₹100 on up to 2 movie tickets in a month
  • Reward points earned can be redeemed for cash
  • Earn 2 PAYBACK reward points on every ₹100 spend on all purchases excluding fuel
  • Joining Fee & Annual Fee - NIL
  • Supplementary Card Fee - NIL
Standard Chartered Platinum credit card
  • 5x rewards at leading hotels, dining outlets and more
  • Earn 1 reward point for every ₹150 spent on all other categories
  • Enjoy a host of unrivalled offers on holidays, golfing retreats, movie tickets, dining and more
  • 5x rewards on fuel spends in India
  • Get 5x reward points for every ₹100 spent at hotels
  • Joining Fee - NIL
  • Annual Fee - ₹399 (First Year)
  • Annual Fee - ₹750 (Second Year Onward)
The American Express Gold Card
  • 1 membership reward point for every1 spend of ₹50 except on insurance, fuel, utilities
  • 4,000 Bonus Membership Rewards® Points, to be awarded on using the card 3 times within the first 60 days of Card membership, upon payment of annual fee.
  • 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of ₹1,000 and above every month.
  • Benefits on your travel bookings with MakeMyTrip.com
  • Enjoy greater flexibility in spending with "no pre-set limit2
  • Redeem from the fabulous 18 carat and 24 carat Gold Collection.
  • Enjoy up to 20% off every time you dine at select restaurant partners.
  • 2 supplementary gold cards at no extra cost
  • Round-the-clock card-related assistance services
  • Emergency Card Replacement Facility Available
  • Additional gold credit card to be provided which is free for life3 as long as you hold the same

Footnotes

  1. Till July 31, 2017, you will earn 1,000 membership reward points® when you complete 4 transactions each of ₹1,000 or more in a calendar month. Starting July 1, 2017, you will earn 1,000 Membership Rewards® points when you complete 6 transactions each of ₹1,000 or more in a calendar month on American Express Gold Card.
  2. This means that your charges are approved on the basis of your spending pattern, financials, credit record and account history. Please note that 'no pre-set limit' does not mean your spending is unlimited.
  3. In addition to this Card, you will also receive the American Express Gold Credit Card which is free for life. Please note, this Card will be Lifetime free as long as you hold the American Express Gold Card. In case, you want to apply for American Express Gold Card only, Please SMS "GOLD" to 5616166.
  • Joining Fee - ₹1,000+Applicable GST
  • Annual Fee - ₹4,500+Applicable GST
Citibank Cashback Credit Card
  • 5% cashback on all movie ticket purchases
  • 5% cashback on all utility bill payments paid through Citibank online bill pay
  • 5% cashback on all telephone bill payments
  • Cashbacks on above limited to ₹100 per month
  • Up to 15% savings across participating restaurants
  • 0.5% cashback on all other spends
  • Simple redemption policy
  • Get redemption in multiple of ₹500
  • Get your cash back conveniently and automatically as statement credit
  • Multiple repayment options
  • Joining Fee - As Applicable by bank from time to time
  • Annual Fee - ₹500
RBL Platinum Maxima Card
  • A welcome gift of 8000 reward points
  • Get 2 reward points for every ₹100 spent
  • Earn 2 reward points for every ₹100 spent on dining, fuel, entertainment, utility bills and international purchases
  • Earn 10000 reward points for spends of ₹2 lakhs and more in a year
  • 10000 bonus reward points for spending more than ₹3.5 lakhs in a year
  • One complimentary movie ticket free up to ₹200 in a month on purchasing 2 movie tickets at BookMyShow
  • Enjoy complimentary visits to all major domestic airport lounges every quarter in a calendar
  • Joining Fee - ₹2,000
  • Annual Fee - ₹2,000

Note - The 18% Goods and Services Tax (GST) can also be charged on the annual and joining fees of the credit cards. The tax can also apply to the revolving credit, which arises due to default or delay in the payment of the dues.

How to Apply for a Credit Card Online at Wishfin?

After glancing at the reward points, cashback and other benefits, it's time to apply for your favourite credit card, right? You can thus apply for the card online at Wishfin, a credit and investment portal that displays the best-in-class financial products offered by banks and other financial institutions. So when you visit the portal, you could come across various lucrative credit card deals. You should then evaluate the deals and apply for a card that meets your needs. After you submit your application, the Wishfin executives would contact you make sure your application gets approved without any hassle.

You can also visit the nearest bank branch to fill the application form. You need to furnish relevant personal, occupational and income details, etc. Subsequently, you should submit the form at the branch along with your recent photographs and other documents. But then, it could be a lengthy process. So, the choice is yours, whether to go online or stay in a long queue of bank branches to apply for a credit card.

Apply for Credit Card via Filling Form at Wishfin

You can apply for your favourite credit cards by furnishing personal and professional details in the application form. Subsequently, you will get a call from Wishfin executives who will submit your case to the concerned bank and ensure a speedy approval to your application. 

Apply for Credit Card via WhatsApp at Wishfin

All you need to do is to click Apply with the ease of Whatsapp Chat on visiting the credit card section of Wishfin. A new page will appear, asking you to enter your mobile number and click 'Get Whatsapp CC Link' at the bottom. You will then receive the link on your mobile number. When you click on it, you will get added to a Whatsapp group with Wishfin being the other member. You need to mention a few details in the WhatsApp chat before your application will get processed.

Apply for Credit Card via Wishfin Chat

You can even explore Wishfin Chat option to apply for a credit card. You just need to answer a few questions. As soon as you are done with it, you would be given a choice of credit cards to apply for. So, apply for a card that fits to your case the best way.

Credit Card Eligibility Criteria

The eligibility criteria for credit cards can differ based on the type of cards you are applying for. 

  • You should be at least 18 years of age at the time of application.
  • Most banks offer credit card up to the age of 65 years.
  • If the applicant is salaried, the annual salary must be at least ₹2 lakhs. On the other hand, self-employed must be earning a minimum of ₹1.5 lakh to get the approval.

Documents required to apply for credit cards

  • Passport sized photographs
  • ID Proof - Any one from Passport, PAN Card, Ration Card, Adhar Card, Voter's ID Card, Driving License 
  • Address Proof - Any one from Passport, Rent Agreement, Telephone Bill, Ration card, Electricity bill, Aadhar card 
  • Applicants should possess PAN Card, Form 16 and Income Tax Returns Statement.
  • Recent salary slips/certificate for last 3 months/latest bank statement showing the credit of salary for a minimum of 3 months

How Can You Check Credit Card Status at Wishfin?

After applying for a credit card at Wishfin, the next concern would most probably be the state of your application, isn't it? No worry, as the dedicated Wishfin team will keep updating you on your application status. It would be a great pleasure for Wishfin to announce the card approval. The executives would even suggest you the necessary steps to elimintate the discrepancies, if any. Taking the executives' advice into consideration, you can fill the voids in your application and make the concerned lender approve your application.

You Can Now Check Your CIBIL Score at Wishfin

As you would know that a credit history is one of the vital factors that influence a lender to approve or disapprove a credit card application. So, you must be aware of your credit history. Your creditworthiness is greatly determined by the score that CIBIL, a credit information company, prepares for individuals. Now you can check that score at Wishfin. Normally, a score of 750 and above is considered good for a credit card.

Credit Card Bill Payment

Paying credit card bills on time is one good habit you should embrace and say others to follow. It makes your case stronger when you are in the need of a loan in the future. The timely payments help in building a strong credit profile and make lenders consider your case seriously. Thus, you should go online and pay the bills on time without having to deal with the hassles of visiting the bank branch to do the same. You can subscribe to Internet Banking to register the card bill to your account. You can either set an 'Auto Pay' or choose to pay manually online. With the former, the bills will get paid automatically on or before the due date. But in each of the two situations, you will get an SMS and e-mail alert from the concerned lender regarding the bill. You can also pay the dues by debit cards of the same or another lender.

Credit Card Statement - Do Glance at it Regularly

Never take your eyes off from the credit card statement as it shows an accumulation of reward points which can be redeemed at top brands to avail the best-in-class services. The statement would also show the due amount, minimum due, due date, charges, if any, etc. Read the statement carefully to find if there are any discrepancies. If there are, report the same to the concerned card issuer at the earliest so that the statement can be rectified. Ring the 24X7 Toll-Free Customer Care Number of the concerned lender if you have any doubt regarding the statement. The executives would resolve the issue ASAP.

Credit Card Customer Care

If at all you face any problem or have a query regarding a credit card, don't hesitate to ring the 24X7 customer care centre of the concerned card issuer. You can find the number on the website of the lender or even on the card issuance letter. The customer care executives would give a patient hearing to your needs and resolve the queries or problems at the earliest. They may suggest you certain measures to sort out the issue ASAP. For example - SBI credit card customer care number is 1800 180 1290. You can raise your SBI credit card queries by calling to the said number.

About Credit Cards

On a cool Sunday evening last week, you accompanied your girlfriend to a shopping mall after watching a noon show in the theatre. She chose a gorgeous looking gown for herself. But when you put your hand into the wallet, you were left with inadequate cash, leaving her red-faced. You, therefore, had to face the barrage of her anger. However, it would have been all smiles if you had a credit card at that time. It would have not only let you buy the gown she was looking for but other products as well. Even when you face any medical emergency, credit cards will come handy. Therefore, a credit card can be defined as a small plastic money with immense purchasing power. It is issued by a bank which gives the holder an option to purchase goods and services on credit. Many people prefer plastic money over cash just because the former comes with a plenty of unmatched features and privileges.They have now become the part and parcel of people's life from letting them dine at restaurants to helping them book their favourite international flight ticket.

Benefits of Credit Cards

  • Banks offer a welcome gift to new applicants once the card is issued to them. This gift can be in the form of bonus points, gift vouchers, discounts, etc.
  • All credit cards have a reward program, which would allow you to earn reward points on various transactions
  • Avail fuel surcharge waiver after making fuel transactions of the specified amount in a month
  • There are certain credit cards that offer cashback benefits to the customers. 
  • Cardholders can also enjoy various lifestyle benefits such as discounts on dining, shopping, golf, wellness, entertainment, etc.
  • Some credit cards provide fantastic travel benefits to the customers, including air miles, airport lounge access, travel insurance, airline offers, hotel offers, etc. Air Miles, JP Miles and others can be redeemed to book flight tickets and avail other travel benefits. Example of these cards are Jet Privilege HDFC Bank World, Jet Privilege Platinum etc.
  • Complimentary lounge access is offered to the credit cardholders. This offer does vary from one bank to another. Some banks put a limit on the number of visits, while others allow access only to Indian airport lounges.
  • Many banks allow their cardholders to apply for complimentary add-on cards for their immediate family members like mother, father, sister and brother.

Credit Cards Balance Transfer

While using your existing credit card, there can be temptations to transfer the balance to a card offered at a lower interest rate. You can give a request for credit card balance transfer at the branch or at the customer care of the concerned bank. The bank, where you intend to transfer the outstanding balance of your existing bank's credit card, will check your credit score and the pattern of your repayment before okaying the transaction. You may be given an interest-free credit period of 20-50 days.

How to Choose the Best Credit Card?

When it comes to selecting the best credit card, you need to do a thorough research on the offers, benefits, fees, eligibility, etc. So, don't forget to compare different cards on the following parameters.

  • Fees/Charges
  • Cash backs
  • Rewards
  • Latest Offers on Travel, Dining, Shopping, Entertainment, etc
  • Fuel Surcharge Waiver
  • Accidental Cover
  • Credit Free Period

Make sure to choose a card with maximum benefits at less costs. Of the points menetioned above, accidental cover is something one may not look into as most eyes are on the reward points and cashback offers only. An accidental insurance gives you the cover in case of any accident. So, if a card with an accidental cover is available, do consider the same.