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India's First Credit Card Application with a CIBIL Advantage.
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Quotes from 11 banks

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12 Months CIBIL subscription absolutely FREE !!

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Many more exciting Offers & Rewards

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Quotes from 11 banks

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12 Months CIBIL subscription absolutely FREE !!

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Many more exciting Offers & Rewards

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Credit Card customised for individual needs

  • All
  • Travel Cards Best
  • Travel Cards Lifetime Free
  • Travel Cards Rewards
  • Travel Cards Cashback
  • Travel Cards Travel
  • Travel Cards Fuel

You can thus look below and see which one is the best for you according to above pointers.

SimplyCLICK SBI card

Joining Fee

Rs. 499 + GST

Annual Fee

Rs. 499 + GST / Year

Welcome & Activation Benefits
  • Earn 1 RP / Rs. 100 on all spends
  • 10 RP/Rs. 100 on online spends with BookMyShow / Cleartrip / Netmeds /Dineout/ Apollo 24x7
  • 5 RP/Rs. 100 on other online spends
  • Annual Fee will be reversed on achieving milestone*
  • Get evoucher worth Rs 4,000 on achieving milestone*
  • On purchase of fuel between Rs. 500/- and Rs. 3,000/- each time, get 1% surcharge waiver up to Rs. 100 monthly.

Axis Bank MY Zone Credit Card

Joining Fee

Rs. 500/- only

Annual Fee

Rs. 500 (2nd year onwards)/- only

Welcome & Activation Benefits
  • Complimentary Annual SonyLiv Premium Subscription of Rs. 999
  • Buy one get 100% off on second ticket at Paytm Movies. Maximum Discount Rs. 200 per calendar month
  • Upto Rs.1000 off on AJIO on minimum spends of Rs. 2999 on select styles.
  • 4 Complimentary Lounge access on select domestic airports. One per calendar quarter
  • 4 EDGE REWARDS points per Rs. 200 spent. Not applicable on fuel, movie, Insurance, Wallet, Rent, Utilities, Education, Government Institutions and EMI transactions
  • Dining delights offering upto 15% upto Rs.500 off at partner restaurants in India
  • 1% Fuel Surcharge waiver at all petrol pumps across the country for spends from Rs.400-Rs.4000.

Standard Chartered Platinum Rewards Credit Card

Joining Fee

Rs.250 + GST

Annual Fee

Rs.250 + GST

Welcome & Activation Benefits
  • 5X Reward Points per Rs.150 on Dining.
  • 5X Reward Points per Rs.150 on Fuel Transactions.
  • 1X Reward Point per Rs.150 on all other Transactions.
  • Contactless Payment at thousands of Outlets in India.
  • Get the Supplementary Cards for your Loved Ones.
  • Digital Payments and Secured Online Transactions.

IndusInd Bank Legend Visa Credit Card

Joining Fee

Life Time Free

Annual Fee

Life Time Free

Welcome & Activation Benefits
  • 1 reward point for every Rs. 100 spent on weekdays
  • 2 reward points for every Rs. 100 spent on weekends
  • Buy 1 & Get 1 Free Movie ticket on BookMyShow.
  • 4000 bonus reward points on spending Rs. 6 lacs or more in a year
  • EazyDiner Prime Membership worth Rs. 3550/- is completely free for the first year.
  • Fuel surcharge waiver all petrol pumps, including HPCL, IOC, and BPCL.
  • Priority Pass Program: Priority Pass provides access to over 700 airport lounges.

Standard Chartered Ultimate Credit Card

Joining Fee

INR 5000 + GST

Annual Fee

INR 5000 + GST

Welcome & Activation Benefits
  • Earn 5 reward points for every INR 150 spent and get the most out of 1 reward point equaling Re 1.
  • 5% cashback* on duty-free purchases and access to over 1000 airport lounges worldwide.
  • Get free access to some of the best golf courses in the country.
  • Take advantage of a 2% foreign currency markup fee on all foreign currency transactions.
  • The applicant should be between the ages of 21 and 65.
  • Get 6,000 and 5,000 bonus points by paying joining and annual fees

Standard Chartered Super Value Titanium Credit Card

Joining Fee

INR 750

Annual Fee

INR 750

Welcome & Activation Benefits
  • 5% cash back on fuel.
  • 5% cash back on phone bills.
  • 5% cash back on utility bills.
  • You earn 1 reward point for every INR 150 spent on all other expenses with your credit card.
  • The applicant should be between the ages of 21 and 65.
  • Customers with Premium Banking can get a free Super Value Titanium credit card with no annual fees.

Standard Chartered EaseMYTrip Credit Card

Joining Fee

INR 350

Annual Fee

INR 350

Welcome & Activation Benefits
  • Get 10x rewards* for every $100 spent on standalone hotel and airline websites/apps/outlets.
  • Domestic and international hotel bookings receive a flat 20% instant discount* (Max discount of Rs 5000 and Rs 10000 respectively)
  • 10% off domestic and international flight bookings (Max discount of Rs 1000 and Rs 5000 respectively)
  • Take advantage of one domestic lounge visit per calendar quarter and two international lounge visits per year.
  • Get a 350 annual fee waiver if you spend Rs. 50,000 or more on the Standard Chartered EaseMyTrip Credit Card in the previous year.

Indian Oil Axis Bank Credit Card

Joining Fee

Rs.500+ GST

Annual Fee

Rs. 500+ GST

Welcome & Activation Benefits
  • 20 EDGE REWARD Points per Rs.100 spent at IOCL fuel station
  • 5 EDGE REWARD Points per Rs.100 spent on online shopping.*

Standard Chartered Manhattan Credit Card

Joining Fee

Rs.999 + GST

Annual Fee

Rs.999 + GST

Welcome & Activation Benefits
  • Cashback of 5% at Supermarkets.
  • 3X Rewards on all other Expenses.
  • Manage Card through SC Mobile App and Website.
  • Redeem Reward Points at the 360 Portal Against Various Brands.
  • Make Contactless Payment at more than 1000 Outlets in India.
  • Apply for the Supplementary Cards for your Loved Ones.
  • Make Digital Payments and Secured Online Transactions.

SBI Card PULSE

Joining Fee

Rs. 1,499 + GST / Year

Annual Fee

Rs. 1,499 + GST / Year

Welcome & Activation Benefits
  • Enjoy 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Dining and Movies spends
  • Earn 2 Reward Points per Rs.100 spent on all your other spends
  • Enjoy 1 year complimentary FITPASS PRO Membership, to be received every year, on card renewal
  • Enjoy 1 year complimentary Netmeds First Membership, to be received every year, on card renewal
  • Complimentary 8 Domestic Lounge visits*
  • Avail Fraud Liability Insurance Cover of Rs. 1 lakh & Air Accident Cover of Rs. 50 lakh
  • You can use your SBI Card PULSE in over 24 million outlets across the globe, including 3,25,000 outlets in India

Club Vistara SBI Card

Joining Fee

Rs. 1,499 + GST / Year

Annual Fee

Rs. 1,499 + GST / Year

Welcome & Activation Benefits
  • Get 8 CV points per Rs. 100 spend
  • 1000 CV points on achieving milestone within 90 days of card issuance*
  • Renewal Benefit: One way Economy Class ticket (Base fare component)
  • Earn 3 CV Point/ Rs. 200 spent on all spends. (including fuel, excluding cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI, wallet transactions and disputed transactions)
  • Earn 1 Hotel E-Voucher worth Rs. 5000 that can be redeemed on Yatra and 1 economy class ticket on achieving milestone*
  • 4 complimentary domestic lounges
  • Get insurance cover of value Rs. 51 lakh 98 thousand ( on Cancellations,lost card&fraud liability,loss of check in baggage,baggage damage,air accident cover,loss of travel documents)*

Axis Bank Select Credit Card

Joining Fee

Rs. 3000+GST (Nil for Burgundy clients)/- only

Annual Fee

Rs. 3000+GST (Nil for Burgundy clients)/- only

Welcome & Activation Benefits
  • 10,000 EDGE Reward points worth Rs. 2,000 on first card transaction within 30 days of card issuance
  • Priority Pass Membership with upto 12 international lounge access on first card transaction within 30 days of card issuance
  • 2 domestic lounge access per quarter, Swiggy Instant discount: Flat Rs.200 off on min cart value of Rs 500, applicable twice per month
  • BigBasket Instant discount: 20% Off up to Rs. 500 per month on minimum purchase of Rs. 2,000, once per month
  • BookMyShow BOGO Offer: Buy oneand get up to Rs. 300 off on the second movie / non-movie ticket on BookMyShow, once per month
  • Exclusive golf privileges with upto 9 complimentary golf rounds
  • 5,000 EDGE REWARD Points on reaching Rs. 3 Lakhs annual spend
  • Annual fee waiver on Rs. 6 Lakhs annual spend.
  • 10 EDGE REWARD Points on every Rs. 200 spent, 2X EDGE REWARD Points on retail shopping spent

IndusInd Bank Platinum Credit Card

Joining Fee

Life Time Free

Annual Fee

Life Time Free

Welcome & Activation Benefits
  • 1.5 reward points for every ? 150 spent
  • Waiver* of 1% on fuel surcharge at any petrol pump within India
  • Complimentary personal air accident insurance cover of up to Rs. 25 lakhs

SBI PRIME Card

Joining Fee

2,999 + GST / Year

Annual Fee

2,999 + GST / Year

Welcome & Activation Benefits
  • 20 RP/ Rs. 100 on utility bill payment and birthday spend
  • 10 RP/ Rs. 100 on every purchase at Dining, Departmental Stores, Movies and Grocery Stores
  • E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons & Pizza Hut e-Voucher of Rs. 1,000 on achieving milestones*
  • 4 & 8 complimentary international & domestic Airport Lounge visits per year*
  • On purchase of fuel between Rs. 500/- and Rs. 4,000/- each time, get 1% surcharge waiver up to Rs. 250 monthly
  • Trident Privilege Membership, Club Vistara Membership, Fraud Liability Cover of 1 Lakh, Visa card/ Master Card privileges, Air accidental Liability Cover of 50 Lakh.
  • Annual fee will be reversed for next year on achieving milestone*

Axis Bank Aura Credit Card

Joining Fee

Rs.749+ GST

Annual Fee

Rs.749 + GST

Welcome & Activation Benefits
  • Amazon voucher worth Rs.750 as welcome benefits. Customers will be able to redeem vouchers at axisbankaura.poshvine.com, 15 days post issuance of card.
  • Decathlon voucher worth Rs.750 as welcome benefits
  • Enjoy 4 interactive video fitness sessions free per month via Fitternity
  • Get annual discount up to INR 500 on health checkup
  • Get minimum 30% discount on diet consultation from renowned nutritionists. Get minimum 30% discount on nutritional foods
  • Fuel surcharge waiver on txns b/w Rs.400 – Rs.4000

Standard Chartered Smart Credit Card

Joining Fee

NIL

Annual Fee

Rs.499 + GST

Welcome & Activation Benefits
  • 2% Cashback on all the Online Transactions.
  • 1% Cashback on all other transactions.
  • Annual fee Reversal by Spending Rs.1.2 Lakhs in a Year.
  • 3 Month EMI Option is also available at an Interest Rate of 0.99%.
  • 90 Days Interest-Free Period after Paying the Minimum Amount Due.
  • NIL Processing Fee on the EMI Transactions.
  • Rs.1000 Cashback is capped per month on online transactions.
  • Rs.500 Cashback is capped per month on other transactions.
  • Do Secured Online Transactions and make Digital Payments.

SBI ELITE Card

Joining Fee

4,999 + GST / Year

Annual Fee

4,999 + GST / Year

Welcome & Activation Benefits
  • Every month 2 complimentary movie tickets worth Rs. 500 on Bookmyshow (Rs. 6,000/Year)
  • Earn 2 RP / Rs. 100 on all his Retail Spends
  • Earn 10 RP/ Rs. 100 on every purchase at Dining, Departmental Stores and Grocery Stores
  • You can also earn 50,000 RP worth Rs. 12,500 on achieving milestone*
  • 6 & 8 complimentary international & domestic Airport Lounge visits per year*
  • Trident Privilege Membership, Club Vistara Membership, Lowest Forex Markup, Concierge services, Fraud Liability Cover of 1 Lakh, Visa card/ Master Card privileges
  • Annual Fee will be reversed on achieving milestone*

Axis Bank Magnus Credit Card

Joining Fee

Rs. 12,500/- only

Annual Fee

Rs 12,500/- only

Welcome & Activation Benefits
  • Unlimited domestic lounge at select airports visits for both primary and add on cardholders.List is available on website
  • Buy one ticket and get up to Rs.500 off on the second ticket at BookMyShow for a maximum of 5 bookings in a month
  • 35 EDGE reward points per Rs. 200 on incremental spends above Rs. 1.5 lakhs in a calendar month, 5X EDGE REWARDS on travel spends via TRAVEL EDGE* T&C apply. Visit www.axisbank.com/magnus
  • Annual fees of Rs.12,500 + Taxes waived on spends of Rs.25 Lakhs and above in the preceding year
  • Choose your welcome benefit voucher from one-way domestic flight ticket or Luxe Gift Card or PostCard Hotels gift voucher worth Upto Rs. 12,500 on card activation
  • 8 complimentary airport concierge services
  • Unlimited international lounge visits and 8 additional guest visits in a year with the Priority Pass Card

IndusInd Bank Platinum Aura Edge Credit Card

Annual Fee

Life Time Free

Joining Fee

Life Time Free

Welcome & Activation Benefits
  • Earn up to 4X Reward Points on Select Merchants.
  • Get a 1% fuel surcharge waiver.
  • Flexibility in selecting reward plans to fit your lifestyle.
  • On every INR 100 spent, earn 4 reward points on groceries, departmental stores, hotel bookings, and restaurant bills.
  • 1 reward points = Rs.0.40 for redemption against statement.
  • 100 reward points = 50 air miles on partner airlines

IRCTC SBI Platinum Card

Joining Fee

Rs. 500 + GST

Annual Fee

Rs. 300 + GST / Year

Welcome & Activation Benefits
  • 1 RP/ Rs 125 spend on all retail transaction
  • Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.
  • Up to 10% value back as Reward Points on AC Train Ticket Bookings at www.irctc.co.in – AC1, AC2, AC3, AC CC categories.
  • 4 complimentary railway lounge access*
  • Get an annual Saving upto Rs. 1,200 on Fuel transactions, On purchase of fuel between Rs. 500/- and Rs. 3,000/- each time, get 1% surcharge waiver upto Rs. 100 monthly.

Axis Bank Rewards Credit Card

Joining Fee

Rs 1000 +GST

Annual Fee

Rs 1000 2n year onwards annual fee can be waived off on annual spends of Rs 200000 and above.

Welcome & Activation Benefits
  • Unlimited 2 EDGE Reward points earned on every Rs 120 spend
  • Earn 10X reward points on every Rs 125 sent
  • Enjoy a bouquet of memberships upto Rs 1000 every anniversary year.

BPCL SBI Card

Joining Fee

4,99 + GST / Year

Annual Fee

4,99 + GST / Year

Welcome & Activation Benefits
  • 4.25 % Value back (13X reward points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction up to Rs 4,000), at any BPCL petrol pump across the country
  • Earn 1 RP / Rs. 100 on all Retail Spends
  • 5 RP/ Rs.100 spend at Groceries, Departmental stores, Movies & Dining
  • 13 RP on Fuel Purchases at BPCL petrol pumps

Axis Bank Privilege Credit Card

Joining Fee

Rs.1500 + GST (NIL for Priority Customers)

Annual Fee

Rs.1500 + GST

Welcome & Activation Benefits
  • Activation benefit of 12,500 eDGE Reward points, redeemable against select Multi Brand vouchers* worth Rs. 5,000
  • Upon achieving spends milestoneof Rs. 2.5 lakh, Convert your earned eDGE Reward points to select Multi Brand vouchers* worth twice the value
  • 2 Complimentary access per calendar quarter to select domestic lounges
  • 10 Axis EDGE Reward points on every Rs. 200 spent on the credit card domestically/internationally.
  • 1% Fuel surcharge waiver on spends at all fuel stations across India
  • Annual Fee waiver on spends of Rs. 2.5 lacs in anniversary year, For Priority account holders - Activation benefit is 6250 points redeemable for Rs. 2500 and First year fee waiver

Club Vistara SBI Card PRIME

Joining Fee

Rs. 2,999 + GST / Year

Annual Fee

Rs. 2,999 + GST / Year

Welcome & Activation Benefits
  • 9 CV points / Rs. 100
  • Complimentary excess baggage allowance of 5 kgs
  • 1 class upgrade voucher
  • 3000 bonus CV within 90 days of card issuance*
  • Earn 4 CV Point/ Rs. 200 spent on all spends (including fuel, excluding cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI, wallet transactions and disputed transactions)
  • Get Insurance cover worth more than 1Cr* on every travel (Cancellations,Lost card& fraud,Baggage damage, lost & damage in baggage checkin,loss of travel docs)
  • Get 1 Hotel E-Voucher from Yatra worth Rs. 10,000 and 1 premium economy ticket on achieving milestone*
  • 8 & 4 complimentary domestic and international lounge access

Samsung Axis Bank Signature Credit Card

Joining Fee

Rs 500 + GST

Annual Fee

Rs 500 + GST

Welcome & Activation Benefits
  • 10% Cashback on SAMSUNG purchases all year around, across products & services.
  • This is in addition to and over & above other all offers
  • 10 EDGE REWARD Points per Rs.100 on preferred partners, BigBasket, UrbanCompany, Zomato, Tata1mg and Myntra
  • 5 EDGE REWARD Points on every Rs.100 spent on all other domestic and international transactions

IRCTC SBI Card Premier

Joining Fee

Rs. 1,499 + GST / Year

Annual Fee

Rs. 1,499 + GST / Year

Welcome & Activation Benefits
  • Get 1 RP/ Rs. 125 spend on other retail transactions
  • 3 RP/ Rs. 125 on Dining & Utility payments on standing instructions
  • 10 RP/ Rs. 100 on tickets purchases through irctc.co.in
  • 15 RP/ Rs. 100 on tickets for Tejas train
  • 5 RP / Rs. 100 on Air Tickets and E-catering purchases
  • Customer can get Rs. 7500 worth benefits on achieving milestone*
  • 8 complimentary railway lounge access
  • Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
  • Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
  • Get insurance cover upto Rs 61 Lakhs* (Rail accident,Air accident,Fraud Liability)

Axis Bank Vistara Credit Card

Joining Fee

Rs. 1,500+ GST

Annual Fee

Rs. 1,500 + GST

Welcome & Activation Benefits
  • Up to 3 Economy Class Ticket vouchers on milestone spends.*
  • 2 CV Points for every eligible Rs. 200 spent on card
  • 1,000 Bonus CV Points on Rs. 50,000 spends in first 90 days
  • Domestic Lounge access - 2 per quarter
  • Up to 20% off at select restaurants

Axis Bank Vistara Signature Credit Card

Joining Fee

Rs. 3,000+ GST

Annual Fee

Rs.3,000+ GST

Welcome & Activation Benefits
  • Up to 4 Premium Economy Ticket vouchers on milestone spends.*
  • 4 CV Points for every eligible Rs. 200 spent on card
  • 3,000 Bonus CV Points on Rs. 75,000 spends in first 90 days
  • Domestic Lounge access - 2 per quarter
  • 3 rounds of Golf at select golf courses

Axis Bank Vistara Infinite Credit Card

Joining Fee

Rs. 10,000+ GST

Annual Fee

Rs. 10,000 + GST

Welcome & Activation Benefits
  • Up to 4 Business Class Ticket vouchers on milestone spends.*
  • 6 CV Points for every eligible Rs. 200 spent on card
  • 10,000 Bonus CV Points on Rs. 1 L spends in first 90 days
  • Domestic Lounge access - 2 per quarter
  • 6 rounds of Golf at select golf courses
  • Up to 20% off at select restaurants

SBI SimplySAVE Card

Joining Fee

Rs. 499 + GST

Annual Fee

Rs. 499 + GST / Year

Welcome & Activation Benefits
  • Enjoy *10X Reward Points* on Dining, Grocery, Departmental stores & Movie spends. On all your other spends, earn *1 Reward Point per Rs 150 spent*
  • 1% Fuel surcharge waiver across all petrol pumps
  • Annual Fee Reversal on achieving milestone*

Samsung Axis bank Infinite Credit Card

Joining Fee

Rs 5000 + GST

Annual Fee

Rs 5000 + GST

Welcome & Activation Benefits
  • 10% Cashback on SAMSUNG purchases all year around, across products & services.
  • This is in addition to other and over & above all offers
  • Complimentary EazyDiner prime membership for 1 year
  • Complimentary PRIORITY PASS membership with 6 international lounge visits per annum

Axis Bank Atlas Credit Card

Joining Fee

Rs 5000 + GST

Annual Fee

Rs 5000 + GST

Welcome & Activation Benefits
  • Special Anniversary Gift! Get upto 10,000 EDGE Miles on completion of a year.
  • Unlock upto 17,500 EDGE Miles on achieving the Spends Milestone.
  • 1 EDGE Mile is equal to Rs 1/-
  • Use EDGE Miles to book flights, hotels and experiences on TRAVEL EDGE or convert those miles into partner points with Points/Miles Transfer Program.
  • 5 EDGE Miles per Rs. 100 spent on Travel and 2 EDGE Miles per Rs. 100 spent on all other spends

Axis Bank Flipkart Credit Card

Joining Fee

Rs. 500/- only

Annual Fee

Rs. 500/- only

Welcome & Activation Benefits
  • Rs. 500 Flipkart voucher on first trnx within 30 days from card issue date (only for paid cards)
  • 50% off up to Rs. 100 on your first transaction for new to Swiggy customers using Flipkart Axis Bank credit card. Use the code "AXISFKNEW"
  • 5% cashback on Flipkart
  • 4% cashback on Preferred merchants like Cleartrip, Curefit, PVR, Swiggy, Tataplay, Uber
  • 1.5% cashback on all other spends except wallet load, EMI, Rent, Jewelry, government services etc

What is a Credit Card and How It Works?

A credit card is a plastic instrument that helps you buy groceries, accessories, travel & movie tickets, besides offering you the privileges of airport lounge access, 24x7 concierge assistance, etc. The money spent on the card helps you rake in rewards, discounts, cashback, fuel surcharge waivers, and much more. The rewards earned can be redeemed for exclusive gifts, cashback to the credit card account, etc. These rewards would mostly expire within 2-3 years of their accumulation. A few cards, though, come with never-expiring reward points. You can also get rewards for spending a specific amount as mentioned by the credit card issuers and apply for a credit card online. These rewards can come in the form of gift vouchers or the fee waiver, resulting in enhanced savings for you.

You can make purchases online in a few clicks. If you don’t find it comfortable buying online, you can also visit a retail store and swipe the card to buy the stuff you want. You can either go for a straight purchase via credit card or choose the EMI option. If you choose the first option and pay the entire due, there won’t be any interest. Else the credit card provider would charge interest at the rate of 2.50%-3.50% per month, accumulating to 30%-45% annually. The EMI option comes with an interest rate but at a lower rate of 13%-18% per annum.

Choose Credit Card

Why Choose Credit Cards?

Credit cards will offer you the following benefits -

  • Comfort
  • Convenience
  • Luxury
  • Best-in-class services
  • Freedom to shop for anything from anywhere at anytime and much more...

Types of Credit Cards

There are tons of credit cards available these days, especially as India gears for a full-fledged cashless economy. However, not all cards that you see would help meet your needs. So, you need to figure out your requirements properly before choosing a credit card. Credit cards are broadly categorized into the following-

Cashback and Rewards Cards
Cashback and Rewards Cards These cards offer cashback and rewards on spends.

These cards offer cashback and rewards on spends. With cashback, the resultant cost of a purchase comes down, resulting in increased savings for the customers. Reward points, on the other hand, can be earned on spends. The rewards can be further redeemed for shopping at several online and offline stores. Here’s a list of top five cashback and rewards cards.

Travel Cards
Travel Cards You can redeem the miles earned for travel ticket and hotel booking

An avid traveller? Think of travel cards that offer miles on travel spends while also letting you chill at both domestic and international airport lounges. You can redeem the miles earned for travel ticket and hotel booking. Don’t wait, just choose any of these below you think is the best for you.

Fuel Cards
Fuel Cards You can even get discounts or cashbacks on refilling the vehicle at fuel stations

High fuel prices making it difficult for you to drive on the road? Don’t worry, there are fuel credit cards that earn you points on refilling your vehicle. You can even get discounts or cashbacks on refilling the vehicle at fuel stations. These top five premium credit cards (fuel) are up for grabs.

Dining Cards
Dining Cards Paying much more on dining outside than you would like to?

Paying much more on dining outside than you would like to? Well, dining cards are right for you by letting you enjoy your meals at restaurants replete with great ambience while also offering discounts on your spends. Check out below some of the best dining cards on offer and if find any card suitable, you can apply for credit card.

Cashback and Rewards Cards

These cards offer cashback and rewards on spends. With cashback, the resultant cost of a purchase comes down, resulting in increased savings for the customers. Reward points, on the other hand, can be earned on spends. The rewards can be further redeemed for shopping at several online and offline stores. Here’s a list of top five cashback and rewards cards.

Travel Cards

An avid traveller? Think of travel cards that offer miles on travel spends while also letting you chill at both domestic and international airport lounges. You can redeem the miles earned for travel ticket and hotel booking. Don’t wait, just choose any of these below you think is the best for you.

Fuel Cards

High fuel prices making it difficult for you to drive on the road? Don’t worry, there are fuel credit cards that earn you points on refilling your vehicle. You can even get discounts or cashbacks on refilling the vehicle at fuel stations. These top five premium credit cards (fuel) are up for grabs.

Dining Cards

Paying much more on dining outside than you would like to? Well, dining cards are right for you by letting you enjoy your meals at restaurants replete with great ambience while also offering discounts on your spends. Check out below some of the best dining cards on offer and if find any card suitable, you can apply for credit card.

Eligibility Criteria

  • You should be at least 18 years of age at the time of application.
  • You must not be more than 65 years old by the time you apply credit card online.
  • Salaried must have an annual income of at least INR 2 lakhs. On the other hand, self-employed must be earning a minimum of INR 1.5 lakh to get the approval. However, the income criteria can differ from bank to bank.
  • The credit score must be 750 and above for a hassle-free approval

Note - The eligibility criteria shown above can vary according to the type of credit card offered.

Income Eligibility With Respect to Credit Card Application

You should first check with the lender whether the income sought for a credit card is on a gross or net basis. Also, note that banks generally consider the fixed income for approving the application. The fixed income does not include the incentives and other variables earned by an individual. So, see whether the fixed income equals the amount needed to gain an approval. If so, then you can apply. If not, then look for banks that can offer you a credit card based on your fixed income.

Example - Ravi applies for a credit card at a bank which considers gross fixed income to approve or reject the application. The income requirement is INR 5 lakh a year. Income particulars of Ravi for 1-year period is shown below.

  • Average Gross Monthly Income - INR 45,000
  • Fixed Monthly Income - INR 25,000
  • Average Incentives in a Month - INR 20,000
  • Total Annual Income (Including Incentives) - INR 5,40,000 (45,000 x 12)
  • Total Annual Income (Without Incentives) - INR 3,00,000 (25,000 x 12)

Keeping this in mind, Ravi's application would be rejected even as the income including incentives is above the amount of INR 5 lakh as sought. He must earn a minimum gross fixed monthly income of INR 41,667 to gain an approval.

Documents Required

  • Passport size 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 have 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

Credit Card Apply Online

After glancing at the reward points, cashback and other benefits, it's time to apply for the card online at Wishfin, a neutral marketplace for loans and other financial products. There are three ways by which you can apply here. All three are described below for you to look at.

How to Apply for a Credit Card on WhatsApp

  • Click on 'Apply with the ease of Whatsapp Chat' on the 'Credit Card' section.
  • A new page will appear asking you to enter your mobile number.
  • Enter the number and then click on 'Continue with WhatsApp' at the bottom.
  • You will get added to a Whatsapp group with Wishfin being the other member.
  • A message regarding the credit card application will be sent to the group.
  • Mention a few details in the conversation before submitting your application.

This was all about credit cards apply on WhatsApp. Use this one-of-a-kind service to get your favourite cards.

Apply via Filling Form

  • Provide your personal and professional details
  • Click on 'Explore Credit Cards' after filling the details
  • Choose from a customized list of cards and apply for the one you want
  • After that, you will receive a call from the dedicated executive verifying the details submitted by you
  • Subsequently, you will receive an SMS with a link
  • Click on it to check the details filled by you at the time of application
  • Click on 'Instant Approval' at the bottom to get the application processed

Credit Card Apply via Wishfin Chat

You can even explore chat option to apply. You just need to answer a few questions. As soon as you are done with those, you would get a choice of credit cards to apply for.

Benefits of Applying at Wishfin

Applying online at Wishfin has benefits of its own. Some of these include-

Ease of Use - You can visit the website of Wishfin and choose from any of Whatsapp, chat or even the conventional application form to apply.

Fast - You can apply for the card in a few minutes by answering or filling relevant personal and professional information.

Instant Approval - If you have submitted the details correctly and meet the eligibility criteria, an instant approval will remain a formality!

Effective Comparison of Offers - You can compare exciting offers in terms of reward points, travel privileges, fees, etc. A good comparison helps you choose the best deal that would not only match your needs but also let you live with style.

Credible Information Display - The information displayed is researched thoroughly and get updated on a timely basis, hence ensuring a greater degree of reliability.

Transparency in Information - Not only the offers, you can also get to know the applicable fees & charges. The information is transparent, so you can get a complete detail before applying for the card. This only boosts consumer confidence and has made many applying through Wishfin.

Excellent Track Record - Wishfin has enabled the wishes of more than 18 million customers through a rich vein of financial products including credit cards.

How to Apply for Credit Card Offline?

You can also visit the nearest branch with the required documents to apply for the credit card. The documents are already mentioned above. So, take note of that. There, you need to ask for the credit card application form. Fill the details asked in the form before submitting the same along with the documents to the branch official. The bank would check the application form and documents thoroughly and give an approval only when the details are verified successfully.

Check Credit Card Aplication Status Online

You can check the application status online in a few minutes. The process involves the following steps.

  • Visit the website of the concerned lender
  • Go to the application status page.
  • Fill in a few blanks on the page, including application reference number, date of birth and mobile number.
  • The application status will flash on the screen showing any of the three - approved, pending for approval or rejected.

In case you face a rejection, the reasons for the same would be mentioned too. If you can fill those voids, do so and have a credit card apply again for an approval.

Credit Card Statement

The statement is a document showing the payment date, the amount due, minimum due, the list of transactions, rewards summary, etc. The late payment charges, if any, would also be shown in the statement. You can check the statement on your email ID as well as get the same on your registered address.

If you check the statement carefully, you can detect some possible errors. The bank can commit an error, and as a result, the outstanding balance will rise erroneously. If you find an error, report the same to the bank at the earliest for correction.

Features & Benefits of Credit Cards

  • You can earn reward points on several online and offline spends. Rewards earned can be redeemed to book flights, movie tickets, and for shopping at top brands. The redemption rate can vary among the cards, with some offering INR 1 for 1 reward point while others offering 20 or 30 paise for every reward accumulated.
  • Accelerated reward point offers are also available for customers. Say a card comes with 10 normal reward points for every INR 100 spent. Another one comes with 5X reward points per every INR 100 spent. The latter is nothing but an accelerated reward offer, taking the total rewards to 50 in comparison to 10 in the case of normal reward structure.
  • Cashback and discount benefits reduce the cost of card shoppers greatly. While cashback is credited to the card account on a specified date after the transaction is made, discounts mean an outright reduction of the cost. Reward points can also be redeemed as cashback to the credit card account in the ratio as specified by the bank.
  • Avail a surcharge waiver on fuel spends to decrease your vehicle refill cost
  • Movie ticket vouchers, access to golf courses, discounts on dining & shopping make cards more appealing
  • Accumulation of air miles, cashback or dicount on hotel booking, travel cover and much more are available on travel credit cards
  • Enjoy lounge access at select domestic and international airports
  • Get 24x7 concierge services as assistance for room reservation, car rental, flowers & gifts, etc
  • Accomplishment of milestone spends earn you the annual fee waiver
  • Instant loan can be availed against credit card at attractive interest rates
  • Zero lost card liability feature provides cover for any losses arising out of the fraudulent usage of the lost or stolen card on reporting the incident immediately to the concerned lender on their helpline numbers.
  • Dispute resolution
  • Emergency card replacement facility

Credit Card Bill Payment

You can pay credit card bills from any of the following modes.

  • Internet banking
  • Mobile banking
  • Payment gateway
  • Cash or demand draft deposit at bank branch

How to Make Card Bill Payment via Net Banking & Mobile Banking?

You can pay using the net banking or mobile banking access of the concerned bank.

  • Log in to either of the channels using your credentials
  • Go to 'Credit Cards' section
  • Enter the bill amount
  • Pay the bill
  • An online payment receipt would come on the screen post the successful transaction
  • You would receive an e-mail message and SMS regarding the transaction

If you have the net banking or mobile banking access of other banks. you can follow the steps described below to pay your bills.

  • Add the card by registering the card number, expiry date of the card, etc.
  • Set Auto Pay if you want an automatic payment of the bills on or before the due date
  • Else choose to pay yourself by just adding the bill and not setting an 'Auto Pay'
  • You would receive the bill intimation in advance, whether you have activated auto pay or merely added the card.
  • You would receive an e-mail as well as an SMS upon bill generation
  • Maintain the required sum in the bank account for a seamless bill payment

How to Pay Credit Card Bill via Payment Gateway?

You can use the payment gateway to pay the bill. Choose from any of debit card and internet banking options to pay the dues.

Credit Card Customer Care Number

If 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 will hear your queries patiently and resolve them at the earliest. They may suggest you certain measures to sort out the issue ASAP.

Below is the table showing the customer care numbers of top credit card issuers in India.

Credit Card Providers Customer Care Numbers
SBI 18001801290
American Express 18004191414
HDFC Bank 18004254332
ICICI Bank 18001024242
Citibank 18602102484(for resident Indians) and +912249552484(for people outside of India)
Standard Chartered Bank 18003451000 or 18003455000, 011-39404444 or 011-66014444 for people residing in Noida and Gurgaon
RBL Bank 18001238040
Axis Bank 18004195959

How to Raise Credit Card Issue with Customer Care?

  • Dial the 24x7 customer care number of the concerned card issuer
  • Listen to the instructions carefully
  • The Interactive Voice Response (IVR) would tell different numbers to press for specific queries
  • Press on the number for your query
  • The customer care executive would ask you to authenticate by providing a few details
  • Post-authentication, you can raise the query and get it resolved ASAP

How Can Credit Cards Help Maintain a Strong Credit History?

Credit cards are one of the best financial instruments to improve your credit history. All you need to do is shop with discretion and make payment on or before the due date. The plastic instrument can last forever even as they get renewed every 2-3 years from the date of their issue. It can thus continue building your credit history, much unlike loans that expire after a certain period. You just need to show the credit discipline by paying dues on time to get your credit history stronger with time. A strong credit history would make you eligible for a card upgrade or several other exciting deals.

How is Interest Calculated on Revolving Credit?

Credit cards come with an interest-free period of 20-50 days as extended by banks across India. You can pay the full amount to get relieved of the interest and tax burden. However, if you pay below the total due or minimum due, the interest and taxes would add to the bill. The interest rate ranges from 2.5%-3.5% per month on an average. On the overall interest amount, the GST at 18% is getting charged. Previously, the service tax at 15% was levied on the interest amount. Let’s understand how interest gets calculated on the revolving credit.

Interest=Outstanding Amount x Rate of Interest x 12 months x number of days/365

Example- Ram Manohar Sharma, an engineer, shops via a credit card for purchasing the goodies. Let’s see how his shopping was a month or two ago in the table below.

Date Transaction Details
May 10 Purchased shoes worth INR 10,000
May 17 Bought sarees costing INR 6,000
May 20 Statement Generation Date (Total Dues - INR 16,000, Minimum Due - INR 800
June 13 Made a payment of INR 4,000
June 16 Bought a mobile costing INR 11,000
June 17 Made a payment of INR 3,000
June 20 Statement Generation Date

As you can clearly see in the table, Mr. Sharma has refrained from paying the entire bill and would thus bear interest on the outstanding balance. The interest rate charged is 2.49% per month. Let’s calculate the interest now.

Interest on INR 10,000 at 2.49% for 23 days from May 21 to June 12=(10,000 x 2.49% x 12 x 23/365)= INR 188.28

Interest on INR 6,000 (10,000-4,000) at 2.49% for 4 days from June 13 to June 16=(6,000 x 2.49% x 12 x 4/365)=INR 19.65

Interest on INR 6,000 at 2.49% for 27 days from May 21 to June 16=(6,000 x 2.49% x 12 x 27/365)=INR 132.61

Interest on INR 2,000 (6,000-4,000) for 3 days from June 18 to June 20=(2,000 x 2.49% x 12 x 3/365)=INR 4.91

Interest on a fresh expenditure of INR 11,000 for 5 days from June 16 to June 20=(3,000 x 2.49% x 12 x 5/365)=INR 12.28

Total Interest=INR 188.28+INR 19.65+INR 132.61+INR 4.91+INR 12.28=INR 357.73

Since the payment of the outstanding balance was not made in full, the late payment charges would be deducted. In this case, it will be INR 750 as the total amount due is 23,000 (10,000+6,000+11,000-4,000). Applying 18% GST on interest rate charged amount of INR 357.73 and late payment fee of INR 750, the tax to be deducted would equal to INR 199.40.

Frequently Asked Questions (FAQs)

Below are a few questions that many credit cardholders ask.

What is Meant by Credit Limit?
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A credit limit is a point up to which you can shop via a card. Credit card issuers check your income, repayment potential and credit score before deciding the limit.

How Can I Increase the Credit Limit on My Credit Card?
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What is Unbilled Amount of a Credit Card?
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What is Called Minimum Due on My Credit Card?
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Is Interest Chargeable on Credit Card Spends?
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Is It Good to Pay Minimum Due Balance Only?
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How Much Interest is Chargeable on Revolving Card Balance?
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Will the Delayed Card Payment Affect My Credit Score?
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What are the Benefits of Timely Card Payments?
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What is Debt Settlement?
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Should I Use Debt Settlement to Get Rid of Credit Card Debt?
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Can I Get a Pre-approval for a Credit Card?
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Will I Get a Credit Card with No Credit History?
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What to Do When Your Credit Score is Low?
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Can I transfer money from one credit card to another credit card?
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Can I Get a New Credit Card from a Bank Where I Already Hold One?
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I am self-employed and I don't file the Income Tax Return(ITR). Shall I be Approved a Credit Card?
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Should I Go for a Credit Card Upgrade?
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How to Convert Card Purchase into EMI?
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What are Supplementary/Add-on Cards?
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Do Credit Cards Offer Protection Against Fraud?
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What Should I Do When My Card is Lost?
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