If you are looking for the best credit cards in India, there are a few things to consider. Credit cards can offer a variety of benefits, including cashback, rewards points, and interest-free periods.
With so many options available, it can be difficult to choose the right card for your needs. Here are ten of the best credit cards in India, based on factors such as rewards, interest rates, and fees.
Why are credit cards good?
Credit cards are good because they allow you to borrow money up to a certain limit in order to purchase items or withdraw cash. They also help to build your credit history and can improve your credit score if used responsibly. Additionally, many credit cards offer rewards programs that give you points or cashback for every purchase you make.
Why are credit cards better than debit cards?
Credit cards are better than debit cards for a number of reasons. First, credit cards offer a level of protection that debit cards do not. If your credit card is stolen, you can report it to the credit card company and they will cancel the card and issue you a new one. You will not be responsible for any unauthorized charges.
Debit cards do not offer this same protection. If your debit card is stolen, you may be responsible for any unauthorized charges.
Second, credit cards can help you build your credit history. Using a credit card responsibly can help you improve your credit score. This can be helpful if you ever need to take out a loan for a major purchase. Debit cards do not have the same effect on your credit score.
Third, credit cards offer rewards and perks that debit cards do not. Many credit cards offer cash back, points, or miles for every purchase you make. Some credit cards also offer special perks, such as access to airport lounges or free hotel nights. Debit cards do not offer these same rewards and perks.
Fourth, credit cards give you the flexibility to pay for items over time.
Best Credit Cards in India
Cashback on utility bills is a type of rebate that is offered to customers who pay their utility bills on time. This rebate can be in the form of a percentage of the bill amount or a fixed amount. The cashback can be used to offset future utility bills, or it can be paid out in cash.
Features of cashback credit cards
Cashback credit cards offer cardholders the ability to earn cashback on their purchases. Typically, these cards offer a higher rewards rate on certain categories of spending, such as gas or groceries.
Some cashback cards also offer bonus rewards on sign-up and/or annual spending thresholds. In addition, many cashback cards offer 0% APR introductory periods on new purchases and/or balance transfers.
There are a number of credit cards that offer cashback on utility bills. The best credit cards for this purpose will depend on your individual needs and spending habits.
However, some of the best credit cards for cashback on utility bills include the SBI Card Prime, the HDFC Bank Diners Club Black, and the Axis Bank My Zone Credit Card.
These credit cards offer a variety of benefits, including cashback on utility bills, discounts on fuel, and more.
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Best Cashback Credit Cards
There are a wide variety of lifestyle credit cards available in India, each offering different benefits and rewards. Some of the best lifestyle credit cards in India include the SBI Card Elite, the HDFC Bank Diners Club Black, and the ICICI Bank Platinum Card. Each of these cards offers a variety of perks and rewards, such as cashback, discounts, and exclusive access to events and experiences. Choose the card that best fits your lifestyle and start enjoying the benefits today.
Why choose a cashback credit card?
- If you’re looking for an all-rounder card that covers all purchases.
- If you’re getting a credit card for the first time.
- If you have an income of INR 6 Lakhs and above yearly.
There are a few benefits of cashback credit cards. One is that you can get a percentage of your purchase back in the form of cash. This can be a great way to save money on everyday purchases, or even big-ticket items.
Another benefit is that you can use your cash back rewards to pay down your balance faster. This can help you save money on interest charges and improve your credit score.
Finally, some cash-back credit cards offer additional perks, such as extended warranty protection or travel insurance.
Which are the best cashback credit cards in India?
- SBI Card Elite
- HDFC Bank Diners Club Black
- ICICI Bank Platinum Card
- SBI Prime
- SBI Simply Click
- American Express Rewards Card
- HDFC Regalia First
- Standard Chartered Manhattan
1. SBI Card Elite
The SBI Card Elite is one of the best credit cards in India. It offers a wide range of benefits, including a high credit limit, low-interest rates, and a rewards program. In addition, the SBI Card Elite comes with a concierge service that can help you with travel planning, dining reservations, and more. If you’re looking for a top-tier credit card, the SBI Card Elite is a great option.
There are a few pros and cons to the SBI Card Elite that potential cardholders should be aware of before signing up.
SBI Card Elite Pros
1. No annual fee: This is a big pro for many people as it means that you can keep the card without having to worry about an annual fee eating into your budget.
2. Generous rewards program: With the SBI Card Elite, you can earn 1 point for every Rs. 100 spent on your card. This can add up quickly if you use your card regularly, making it easy to redeem for travel or other rewards.
3. Complimentary airport lounge access: Another great perk of the SBI Card Elite is that you get complimentary access to airport lounges across India. This can help make travel a bit more comfortable and enjoyable.
SBI Card Elite Cons:
1. High-interest rate: One downside of the SBI Card Elite is that it has a relatively high-interest rate. This means that if you carry a balance on your card, you will end up paying more interest over time.
2. Limited acceptance: Another con of the SBI Card Elite is that it is not widely accepted. This means that you may not be able to use it in some places in India.
2. HDFC Bank Diners Club Black
HDFC Bank Diners Club Black is one of the best credit cards in India. It offers a wide range of benefits and perks, including a high credit limit, cash back on all purchases, and complimentary access to airport lounges. If you’re looking for a credit card that will give you the most bang for your buck, HDFC Bank Diners Club Black is the way to go.
HDFC Bank Diners Club Black Pros:
HDFC Bank Diners Club Black is a premium credit card that offers a host of benefits and features. Some of the key benefits include complimentary airport lounge access, fuel surcharge waiver, and exclusive privileges at leading restaurants and hotels. The card also offers a higher credit limit and earns rewards points at a faster rate than other cards.
HDFC Bank Diners Club Black Cons:
However, there are also some drawbacks to consider. The annual fee for the card is quite high, and it also charges a foreign currency transaction fee. Additionally, the rewards program is not as generous as some of the other programs offered by other banks.
3. ICICI Platinum Chip
An overall good lifestyle card with over 15% savings on dining purchases.
If you have a decent credit score, and you’re getting your first credit card, this is a good choice.
The ICICI Bank Platinum Card is a great choice for those looking for a rewards credit card with no annual fee. This card offers a competitive rewards rate on all purchases, and also comes with a sign-up bonus and a 0% intro APR period on balance transfers.
In addition, cardholders can take advantage of ICICI Bank’s Platinum Concierge service, which offers 24/7 assistance with travel planning, dining reservations, and more.
The only downside to this card is that it does have a foreign transaction fee, so it’s not the best choice for international travel. Overall, the ICICI Bank Platinum Card is a great option for anyone looking for a rewards credit card with no annual fee.
4. SBI Prime
The SBI Prime card is a great credit card for those who are looking for a card with a low-interest rate and a high credit limit.
The card also comes with a 0% intro APR on purchases and balance transfers for the first 12 months, which is a great perk for those who are looking to transfer a balance from another card.
Another great feature of the SBI Prime card is that it has no annual fee, which is a great saving for those who are looking to keep their credit card costs down. Overall, the SBI Prime card is a great choice for those who are looking for a low-interest credit card with a high credit limit and no annual fee.
The SBI Prime credit card is a good option for people who want to earn rewards on their purchases. The card offers a decent rewards rate, and it has no annual fee.
However, the card does have a high-interest rate, so cardholders should be sure to pay their balance in full each month.
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Best Travel Credit Cards in India
Travel credit cards are a type of credit card that offers rewards and perks to cardholders who use the card to book travel expenses. Travel credit cards can be very useful for people who travel frequently, as they can help to save money on travel expenses. Some travel credit cards offer rewards such as free hotel stays, free airfare, or cashback on travel expenses. Other travel credit cards offer perks such as priority boarding, free checked bags, or travel insurance.
Why choose a travel credit card?
- If you travel a lot. Obviously.
- If you don’t have a dedicated travel credit card.
- If you want benefits/rewards for traveling more.
Which are the best travel credit cards in India?
- SBI Card PRIME
- HDFC Bank Regalia First
- ICICI Bank Sapphiro American Express Card
- Axis Bank My Zone Credit Card
- Citibank Rewards Credit Card
Let’s review each card in detail.
1. SBI Card PRIME
If you’re looking for a good rewards credit card, the SBI Card PRIME is a great option. It offers a solid rewards program and a decent sign-up bonus, and it has no annual fee. The biggest downside is that it has a foreign transaction fee, so it’s not the best choice if you travel outside the country frequently. Overall, though, the SBI Card PRIME is a good option for a rewards credit card.
The SBI Card PRIME credit card is a great option for travelers as it offers a number of benefits and features that can help make your travels more enjoyable.
For starters, the card offers a very competitive interest rate on purchases, which can help you save money on your travel expenses. Additionally, the card comes with a number of perks and benefits that can be used to make your travels more convenient, such as free travel insurance, 24/7 customer service, and a wide range of accepted currencies.
Overall, the SBI Card PRIME credit card is a great choice for travelers who are looking for a card that offers a number of advantages and benefits.
2. HDFC Bank Regalia First
The HDFC Bank Regalia First credit card is a great option for those looking for a rewards card with no annual fee. The card offers 1 point per Rs. 150 spent on all purchases, and there is no limit to the number of points you can earn. You also get a sign-up bonus of 5,000 points, and you can redeem your points for a variety of travel and merchandise rewards.
The only downside to this card is that it does have a foreign transaction fee of 3%, so it’s not the best option for international travel. Overall, the HDFC Bank Regalia First credit card is a great option for those looking for a rewards card with no annual fee.
The HDFC Bank Regalia First credit card is one of the best travel credit cards available in India. It offers a host of benefits and features that make it an ideal choice for frequent travelers. Some of the key benefits of the card include:
1. Complimentary access to airport lounges: The cardholders can enjoy complimentary access to over 850 airport lounges across the world. This benefit can be availed by the cardholder as well as up to 2 additional guests.
2. Complimentary domestic and international flight tickets: The cardholders can avail of complimentary domestic and international flight tickets on select airlines. This benefit can be availed once in a calendar year.
3. Accelerated rewards earning: The cardholders can earn accelerated rewards on their spending. They can earn up to 5 reward points for every Rs. 150 spent on their credit card. These reward points can be redeemed for a host of benefits including flight tickets, hotel stays, and much more.
4. Flexible redemption options: The cardholders can redeem their reward points for a host of benefits at their convenience. They can either redeem it for flight tickets or they can use it to offset their travel expenses.
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3. ICICI Bank Sapphiro American Express Card
The ICICI Bank Sapphiro American Express credit card is a great option for those looking for a good rewards credit card. The card offers a good rewards program and a 0% introductory APR on purchases and balance transfers for the first 12 months. The card also has no annual fee.
The only downside to this card is that it has a high-interest rate after the intro period ends.
ICICI Bank Sapphiro American Express Card Pros
1. The ICICI Bank Sapphiro American Express Card comes with a host of benefits and perks, including 5% cashback on all purchases, no annual fee, and a complimentary membership to the ICICI Bank Sapphiro American Express lounge.
2. Cardholders also enjoy exclusive discounts and offers at a range of partner restaurants and retailers.
3. The ICICI Bank Sapphiro American Express Card is one of the few credit cards in India that offers a truly global reach, with its acceptance in over 200 countries and territories.
ICICI Bank Sapphiro American Express Card Cons
1. While the ICICI Bank Sapphiro American Express Card comes with a number of advantages, it also has a few disadvantages.
2. One of the biggest drawbacks of the card is its high-interest rate, which can make it difficult to pay off your balance in full each month.
3. Additionally, the card has a foreign transaction fee of 2.5%, which can add up if you use your card frequently while traveling.
4. Axis Bank My Zone Credit Card
If you’re looking for a credit card with great rewards and no annual fee, the Axis Bank My Zone Credit Card is a great option. You’ll earn 1 point per Rs. 150 spent on all purchases, and there are no limits to the number of points you can earn. You can also redeem your points for cash back, gift cards, and merchandise.
The only downside is that the interest rate is on the high side, so you’ll want to make sure you pay your balance in full each month.
Axis Bank My Zone Credit Card Pros
- No annual fee
- Complimentary airport lounge access
- 5% cashback on movie tickets
- 1% fuel surcharge waiver
- Welcome gift of 5,000 bonus points
Axis Bank My Zone Credit Card cons
- High-interest rate of 36% p.a.
- Minimum monthly payment of 5% of the outstanding amount of Rs. 500, whichever is higher
Cash advance fee of 2.5% of the amount withdrawn or Rs. 300, whichever is higher.
5. Citibank Rewards Credit Card
If you’re looking for a credit card with great rewards, the Citibank Rewards Credit Card is a great choice. With this card, you’ll earn 2x points on all purchases, and you can redeem your points for travel, gift cards, or cashback. There’s no annual fee, and you’ll get a 0% intro APR on purchases and balance transfers for the first 15 months.
The Citibank Rewards Credit Card is a good choice for people who want to earn rewards points on their everyday purchases. The card offers a decent rewards rate, and it has no annual fee.
However, the card does have a high-interest rate, so it’s not a good choice for people who carry a balance from month to month.
Why is it a good travel card?
The Citibank Rewards Credit Card offers a number of travel benefits that can save cardholders money and make their trips more enjoyable. One of the most valuable benefits is the ability to earn rewards points on every purchase, which can be redeemed for travel expenses like airfare, hotels, and rental cars.
Additionally, cardholders get access to exclusive travel deals and discounts, as well as concierge services to help plan their trips. The card also comes with travel insurance, so cardholders can rest assured that they’re covered in case of an emergency.
Other noteworthy travel credit cards in India
Amex Platinum Travel Card
Probably one of the best travel credit cards in India, the Amex Platinum Travel card comes with plenty of benefits for the frequent traveler in India. Like vouchers worth Rs.7,700 that covers domestic travel and even Taj hotel stays worth Rs.10,000. It even gives you free membership to Priority Pass membership with the joining fee waived off.
ICICI MakeMyTrip Card
I’ll be honest. This is not the “best travel card”. It’s a travel card, that’s it. Kudos to MakeMyTrip for coming up with it though. It comes with features such as discount vouchers to Lemon Tree hotels and Railway and Airport lounge access. It may not for everyone though.
SBI IRCTC Card
If you’re a frequent traveler on trains in India, then this is a must-have credit card. It gives you up to 10% discount on railway ticket purchases through IRCTC.
Citi Premier Miles Card
The Citi Premier Miles card is essentially a rewards card that can earn you miles/points on each purchase. Comes with it also, features such as airport lounge access and discounts at hotels and restaurants.
AXIS Bank Miles & More World Credit Card
Honestly, this is a neat (not awesome) credit card from Axis bank. Comes with complimentary Priority Pass membership, free lounge access, complimentary travel insurance and more.
Best Premium Credit Cards in India
Premium credit cards are intended for high-income individuals (high networth individuals) offering benefits and rewards suiting their lifestyle.
Benefits of Premium Credit Cards
There are many benefits of premium credit cards, including the following:
1. Premium credit cards offer a higher credit limit than regular credit cards, which can be helpful if you need to make a large purchase or want to keep a high balance on your card.
2. Premium credit cards often offer rewards and perks that regular credit cards do not, such as cash back, travel rewards, and concierge services.
3. Premium credit cards typically have lower interest rates than regular credit cards, so you can save money on interest charges if you carry a balance on your card.
4. Premium credit cards usually come with enhanced security features, such as fraud monitoring and insurance, which can help protect you from financial losses.
5. Premium credit cards can help you build or rebuild your credit history, since they are reported to the credit bureaus.
Why choose a premium credit card?
- If you are a high net worth individual.
- If your income is more than 25 Lakh Rupees annually.
- If you run into limitations using other credit cards.
- If you have a luxurious lifestyle.
Which are the best premium credit cards in India?
- Amex Platinum
- HDFC Infinia
- HDFC Diner’s Black
- Standard Chartered Ultimate
- Citi Prestige
- ICICI Emeralde
- SBI Elite
1. Amex Platinum
If you’re looking for a credit card with great perks and rewards, the Amex Platinum Credit Card is a great choice.
With a high annual fee, you’ll get access to a number of exclusive benefits, including airport lounge access, a $200 annual airline fee credit, and more. You’ll also earn points on every purchase, which can be redeemed for travel, gift cards, and more.
The only downside is that the Amex Platinum Credit Card has a high interest rate, so it’s important to pay your balance in full each month.
2. HDFC Infinia
The HDFC Infinia Credit Card is one of the best credit cards in India. It offers a wide range of benefits and features that are unmatched by any other credit card in the country.
The credit limit on this card is very high, which makes it ideal for high-spenders. The rewards program on this card is also very attractive, offering a wide range of rewards and discounts on a variety of purchases.
Overall, the HDFC Infinia Credit Card is a great choice for anyone looking for a top-of-the-line credit card in India.
3. HDFC Diners Black
Celebrated as one of the best credit cards in India, HDFC Diners Black is kind of a hit and miss in India. It has an excellent rewards program to its merit but its low acceptance rate in India is a bit of a problem.
The HDFC Diners Club Credit Card is a great option for those looking for a rewards credit card. The card offers a variety of benefits including cash back, points for travel and dining, and a 0% intro APR on purchases and balance transfers for the first 15 months.
There is no annual fee for this card. The only downside is that the card has a foreign transaction fee of 3%.
Overall, the HDFC Diners Club Credit Card is a great option for those looking for a rewards credit card with no annual fee.
4. Standard Chartered Ultimate
Probably one of the best-designed credit cards in India. As for features, probably not that great but attractive to high-net-worth individuals or anyone with a luxurious lifestyle.
If you’re looking for a top-of-the-line credit card with no annual fee, the Standard Chartered Ultimate is a great choice.
This card offers a host of perks and benefits, including 5% cash back on all purchases, no foreign transaction fees, and a generous rewards program.
Plus, you’ll get a 0% APR on balance transfers for the first 12 months. The only downside is that this card requires excellent credit for approval.
5. Citi Prestige
This card comes with a great reward rate (like some of the other counterparts in this section). And the features and benefits are amazing for international travelers. It has a wide network of partners (international) like hotel chains and is probably the best in this category.
6. ICICI Emeralde
With that design, it definitely will feel good holding the card in your hand. This card has some amazing benefits in terms of domestic partner coverage in India. As for rewards program, not so great!
7. SBI Elite
Probably one of the best cards for movie buffs, this card has free Rs.500 worth movie tickets every month. Not quite premium-premium, but I think it is worth having this card on the list, considering the number of movie-buffs India has.
Best Credit Cards for Online Shopping
There are many benefits to using credit cards for online shopping. Perhaps the most obvious benefit is the convenience factor. It is much easier to use a credit card to make purchases online than it is to use cash or a check. Credit cards also offer protection against fraud.
If you use a credit card to make a purchase online and the item is not as described, you can dispute the charge with your credit card company.
Finally, many credit card companies offer rewards programs that give you points or cashback for your spending.
1. SBI Simply Click
If you do a lot of online purchases, then this is the best card for you. SBI Simply Click is probably one of the best lifestyle cards out there.
2. American Express Rewards Card
This card is your best to get into the amazing world of American Express (which has a lot of amazing credit cards). If you want n Amex credit card that can take care of your daily purchases, this is it.
3. HDFC Regalia First
4. Standard Chartered Manhattan
HDFC has some of the best selections when it comes to credit cards in India. And the Regalia card is the best. No wonder it’s the most sought-after one by credit card enthusiasts. With top-class benefits and a well-balanced feature set, this is a must-have in every credit card enthusiast’s wallet.
The Manhattan card is a good lifestyle card for anyone looking to cover day-to-day expenses. This card is the only credit card that will save you a lot of money on cab rides (Uber) as well.
Conclusion – Which is the best credit card in India?
There is no one-size-fits-all answer to this question, as the best credit card for you will depend on your individual financial situation and spending habits.
The above-mentioned cards offer a variety of benefits, including cashback, rewards points, and low-interest rates.
Choose the card that best fits your needs and start enjoying the benefits of credit card ownership.
For example, if you’re a frequent international traveler, choose a card like the Amex Travelcard that gives a lot of benefits on international trips.
But if you’re an online shopaholic, then choose a card like SBI Simply Click – that gives a lot of benefits and perks for online purchases.
So, you get the rift.
Figure out what your life is like, what your expenses are like and where you need benefits, and choose a card accordingly.
What works for me, may not work for another person.
Agree?
This list is great. Thanks Mani Karthik.
Hey Mani,
Well, actually I am looking for a card with 0% interest.
is there SBI provide these type of card.
If yes then tell me how to apply for sbi credit card online
Thanks sir.
Hi Karthik
I’ve three credit cards – Amex Platinum reserve card (1st yr), SBI Gold free card and Amazon ICICI card. I’m looking for three things in a card – Domestic Lounge service as I travel for office work (Air India), Min two complementary Golf rounds per month and cash back on purchases. Can you suggest one / two cards that meet the requirement. Should I surrender any of the above card. I’m planning to upgrade SBI card or surrender it. Please advice.
Thanks
hii mani
i am looking for a credit card which will give me good cashback offers on online purchases, fuel and access to lounges in domestic as well as international airports across india . Also the credit card should be acceptable at all places. i dont intend to keep more than 01 credit card. so in short i am looking for an all rounder credit card with miimum annual charges.
please suggest
regards
gunjan
Hi Mani,
Looking forward for your updates for January 2017
Regards
I am an NRI. I don’t have a credit card in India. I would like to apply for a credit card for the usage in India as well as abroad. I may not use it regularly but only to keep as an emergency fund (or to book tickets in EMI). Could you please suggest a card without annual fee.? Which is the best one offers lowest rate of interest.?
Hi Raaz,
India Govt. has announced that they will give ~10% discount for LIC premium payments via credit cards. You could utilize this feature when it is live.
Hi Majeesh,
I would keep 1 and 2 if you really want to only keep 2 cards. But realistically you will just need the HDFC money back credit card with no annual fee. You have 65K and it’s a good cashback card where you can put your regular purchases on.
I wouldn’t recommend ditching cards if you already have them. If it’s a no annual fee card, then reduce the usage and keep it with you as sometimes, dropping a card might reduce your credit score. I would definitely keep the HDFC Regalia one.
Hi Mani Karthik, Nicely written article describing the various Cards in Brief. Keep it up.
Can u suggest among the following Cards, which ones to keep and which one to ditch depending upon the rewards/cashbacks/features/annual-renewal rates.
-HDFC Regalia Visa (Lifetime)
-SBI Elite Visa (4999+Tax)
-Standard Chartered Emirates (Skywards) Platinum World Master (3000+Tax)
-Amex Platinum Travel (1st Year Free & then 5000+Tax)
-Citi Premier Miles (3000+Tax)
Right now having first 4 out of 5.
Cheers.
Pradeep.
Hi, I request your help in selecting the best credit card for me. I’ve 3 active credit cards &my usage goes from Rs 3,000 – Rs 18,000 per month which includes stationary purchases, online payments, fuel filling & paying bills etc. Presently I’ve the following credit cards:
1. ICICI platnium credit card with limit of 75,000 (annual fee: 199 + tax, waived if spending > 50,000)
2. HDFC money back credit card with limit of 65,000 (no annual fee)
3. SBI simply save credit card with limit of 90,000 (annual fee: 499 + tax, waived if spending > 75,000)
I wish to filter the cards to 1 or 2. Please share your suggestion. Any help in this regard will be appreciated. Thanks in advance.
Regards,
Majeesh
Are you going to get one for the first time Hari, then I would suggest getting a prepaid card to build your credit. Details.
Thanks for the reply Mani, I really appreciate it, I have another question.
I have almost decided to got for the Regalia First for 2 lakhs FD, but sometimes I have transactions that are almost 80%-90% of the credit limit(in this case 85% of 2 lakhs), I do not want these high utilization transactions to affect by CIBIL score. In that case can I Increase the credit card limit by depositing more money into the credit card account, is this possible with HDFC secured credit cards(Regalia First) ?
mani
tell me i am with zero knowledge of credit cards ,suggest one card which will help my shoping and get more cash backs on online purchase
Hi Mani.. I am a premium bank customer. I already have HDFC REGALIA and STANDARD CHARTER MANHATTAN CARD. Both are life time free and therefore i am looking for my 3rd credit card. I need this card to make my LIC premium payment every year which is over rs one lakh. But I heard that American Express as well as SBI don’t give reward benefits for making LIC premium payment, can u confirm if this is right. Also can u suggest me a card which gives maximum reward points or Cashback on LIC premium payment of rs.one lakh.
Great. Yes, I will opt for Regalia first for 2 Lakhs, use it within 20-30% every month, pay off the balances fully every month and build your score for the next six months or so. Once you have build your credit score, you can go for better ones. Here are some tips to improve your credit score.
Hi Mani,
I was planning for a secured Credit Card, so recently paid a visit to my local HDFC branch, I was offered HDFC regalia card for 4 lakhs, and Regalia first for 2 Lakhs, since regalia is being downgraded from Nov 1, should i go for the Regalia first for 2 lakhs FD ?
Hi Sunil,
Good call. Most of us are big on debit cards and less credit savvy, but it’s a lot more rewarding. Welcome to the credit card world!
If you already have FD, what I would suggest is to contact your current bank and get a secured card from them. You can use that to build credit, and once you have enough credit built, apply for a general purpose rewards credit card like one of these.
Here’s more information on how to get credit card for a first timer.
Feel free to contact me if you have more doubts.
Hi Mani,
Very useful article. Keep up the good work.
I have a decent amount of cash in FDs. Want my first credit card. Usually spend everything with debit cards- phone/net/electricity bill payments, rail tickets etc.
Which card would you suggest?
Cheers
Sunil
Pandian, for new credit card users, I suggest going through this guide https://manikarthik.com/blog/first-timer-credit-cards/money/
Sreedhar,
Credit agencies and banks have different tiers they work with. For example a metro like Mumbai is highly considered credit worthy as compared to a small town, where the risks of giving credit is higher (theoretically). However, if you contact the bank directly, they will be able to help you by channeling your case to the nearest branch (in a bigger town most likely). Having said that, it all depends on your credit worthy-ness.
Hello Mani
Why is it that almost all credit cards that can be applied online have list of only major cities / metros in India. I am working in a small town and finding it difficult to get a second credit card.
Sreedhar
For first timers, it is tough to get a credit card with big balances, because you haven’t proved your credit worthiness with a track record. First off, I’d suggest you try checking your credit score and then apply for a secured credit card with a fixed deposit. Buying a car on credit card is kind of absurd. You are better off getting a loan. Apply for the credit cards mentioned above as well, although not all of them are for first timers.
also i have a salary account in icici bank
Hello Mani,
I would like to get a credit card to purchase mobile phones and smart tv and maybe also a car (it is optional as i may choose to get a car loan too). Please suggest any good credit card as i would also like to avoid fixed deposits.
It will be my first credit card
Great. I just sent you an email with details. Please check.
That’s a good one Bandu. There’s one from SBI. Will update in the post with details. Thanks for asking.
For first time users I suggest a secured credit card. Here are the details – https://manikarthik.com/blog/first-timer-credit-cards/money/
Hii… I have gone through your blog helping people for credit cards.
I will be first new credit card user, my spending would be on shopping, fuel, dining, paying bills.
Kindly suggest me credit card which offers good reward points.
Thanks, Ramneet.
Is there any credit card that gives more reward points for Paytm?
Thanks,
-Digambar
YES MANI JI
Sure thing Alankrit,
Did you fill up the application mentioned above?
Thanks for those details Yash.
All the best buddy. Let me know if you need any help starting a blog.
Consider HDFC Diners Card. I am using HDFC Diners Rewards card for more than 1 year and happy with it. I prefer either Rewards or Blank.
Joining Fees: Nil, Annual Fees: Nil
Benefits:
1. Unlimited Domestic Lounge access (Consider Blank one, if Unlimited international lounge access required)
2. Unlimited offer: Buy 1 get 1 movie ticket
3. Reward points, 3 points per 150, 2X if spend on HDFC Diners website (for movie, flight, hotel or some utilities), 10x on partner websites, like Uber, Flipkart etc., 2X, if spend is more than 10K per cycle.
4. 1 reward point = Rs. 0.75
Hi Megha,
Did you check the ones I mentioned above? HSBC Visa Platinum might be a good option for you. Check it out.
Vivek, you might want to get two cards. The Standard Chartered Super Value Titanium (http://bit.ly/mkcard1) looks like a good match for you.
Is this going to be your first card Rajan?
Hi, this is a good one (Stan Chart) http://bit.ly/mkcard1.
Hi MANI
FIRST new credit card user.My normal usages will be booking movies tickets,shoppingcan you suggest me which credit card will be suitable for me?
Hi Mani,
I am planning to get my first credit card, my normal usage will be online shopping,purchase,travel tickets,Bill Payments.
Pls suggest me.
Hi Mani, I am looking for a card mainly for Day to day shopping of
(1)Grocery at More/Big Baazar/Super Store Monthly Expenses = 13000 INR
(2)Online shopping at sites like PayTM, Myntra etc = 2500 INR
(3)Medicines = 9000 INR
(4)Utility Bills= 3000INR
(5)Fuel = 2200 INR
(6)Dining = 2000 INR
Please suggest a card on the basis of above expenses wherein I can wither make a good cashback or maximum reward points every month.
Currently, I’m using ICICI Bank Platinum, CITIBANK INDIAN OIL TITANUM, Standard Chartered Bank Card. But I see max 1 reward point on 100 spent in these.
I work for IBM as a Sr. Software Consultant and gets lotsa calls from bank to have free of charge card options too. I’m very confused which card should be withdrawn and which all should be continued or taken from afresh.
Please suggest. Thanks in advance.
I am going to be a new credit card user.My normal usages will be flight tickets,booking movies tickets,shopping(not so often).can you suggest me which credit card will be suitable for me?
Hi
Thanks for the awesome update about crefot card amd your genuine help
plz advise card forme b . below are my requirements
1lounge access for my parents india plus abroad
2.cash back or reqard points as this card will be used in india . mumbai for all types of shopping ie grocery. bill payments clothing amd all daily necesities
kindly help
Have you been using a credit card already Kumar? And is this a one time purchase?
Hi Mani,
I want to purchase AC and TV. Please suggest me which card is the best to purchase
Try
1. SBI Signature Card – Rs. 3000 Joining fees, Rs. 3000 Annual fees
Access to over 600 airport lounges through a priority pass
2. Citi Premier Miles Card – First year fee waived for Citi Priority clients, Rs. 3000 Annual fees
2A. Visa Card
Chennai Travels Club Domestic Terminal
Chennai Travels Club International Terminal
Delhi Plaza Premium Lounge Domestic Departures (T3)
Delhi Plaza Premium Lounge International Departures (T3)
Mumbai Carnations Lounge Domestic Departures (1C)
Hyderabad Plaza Premium Lounge International Departures
Hyderabad Plaza Premium Lounge Domestic Departures
Bangalore Plaza Premium Lounge Domestic Departures
Bangalore Plaza Premium Lounge International Departures
Note: Limited to 8 visits per quarter per card.
2B. Master Card
Chennai TFS Lounge, International Departures, First Floor, Near Gate Nos 11 International Departures
New Delhi Plaza Premium Lounge – Domestic Departures ( T3) Domestic Departures
Hyderabad Plaza Premium Lounge – International Departure, Near Gate 32A International Departure
Bangalore Above Ground Level Lounge – International Departures, T3 International Departure
Offer valid till 31st Dec, 2016
Note: Limited to 6 complimentary Airport Lounge visits per calendar quarter. Contact the respective airport lounge desk for applicable charges.
3. Jet Airways Platinum Card – Rs.5000 Joining fees, Rs.10000 Annual fees
Complimentary visits to 14 Domestic Airport Lounges at 12 cities in India
4. AMEX MakeMyTrip Credit Card – Rs.750 Joining fees, Rs.1500 Annual fees
Discounted access to 31 Domestic Airport Lounges at 14 cities in India
Sure Manu, please sign up via the application form mentioned above in the article.
hi mani,
This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.
Hi Mani,
This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.
hi,
This is Tushar
I like ur blog. Its all about travel, finance, etc.
U have managed it very well.
India need youths like u, enthusiastic.
Im also in search of like possibilities.
Certainly within few years, i wil get it
Best luck
Hi I need a card having unlimited Airport Lounge access (priority pass), dont mind paying yearly fees. Please suggest me a suitable card for the same, I am jet privilege member also.
Hi i need a High end card having unlimited Airport Lounge access (priority pass) and my spending limit is 8 lakhs per annum. dont mind paying yearly fees. would a charge card be better. presently i am using AMEX Jetairways card. howevever lounge access at Airports is limited.
I would say Citi.
Sure, did you fill up the application form? Just get it done and I can help you.
Hi Mani,
I am planning to get my first credit card, my normal usage will be online shopping,purchase,travel tickets,Bill Payments(EB Bill,Etc)
For this year I am planning to use a credit card.
Can you help?
hi mani
can you please suggest me in these two credit card(citi platinum,hdfc moneyback) which one is best comparing all the field..
HI Mani
I have an AMEX MMT and A HSBC Platinum Visa Card.
I Want to go for a Credit Card which offers great travel benefits.
The benefits exclusively on booking flights and travel.
Can u help me with some names.
I have gone through your blog.Its really great information for Credit card users. Currently I am using, HDFC-All Miles Credit Card, Citi Bank- Rewards Credit Card and SBI Gold Card. Just wanted to know that can I use this card in overseas, if so, what will be the charges or Do I need to activate for International usage. Or can I use the In-country specific credit card? Expecting your valuable advise on this. Thanks in advance
Bhumi, if it is your first, I would suggest ICICI Instant Platinum Credit Card. It’s easier to get and builds your profile there on.
Hi Mani,
This is my first credit card,please suggest me a good credit card for shopping , travelling, no annual fees, and interest should be less.
Hi Mani
My salary account is in ICICI. I will be using the credit card regularly for official and personal transactions ( Bills payments , travel booking, shopping etc) . Presently using Standard charted Super value credit card which has cash back for money spent on fuel, utility etc and wavier in annual fee is also applicable if spent over 1.5 lakh/annum which i do in 3-4 months. Need one more card like the same where I can get benefits for all transactions. Even ok for some small Annual fee if I get good benefits. Pls advise.
HI Mani,
I am using HDFC ALL Miles card but their customer support is pathetic. They dont provide support whenever required.
I would like to take your advice on KOTAK ROYALE Credit Card. I am a very frequent user and use the card during Travelling, Movies and Cashbacks.
Please Suggest.
Thanks in advance
Hello mr. mani how are you?
I am going to be a new credit card user.My normal usages will be train tickets,flight tickets,booking movies tickets,fuel,shopping(not so often).can you suggest me which credit card will be suitable for me?
Thanks
hi i am using sbi and hdfc cards i need more credit cards what to do i am living in vijayawada
Hey
I work outside India and i need card to buy tickets as well do international shopping and fees payment. my salary account is in SBI. Which card either credit or TM will be good for me?
Hello Mani ;
I want a credit card on fix deposit I have only 30000. Pls suggest which was good to start up with having no joining fees and no annual fees. Having maximum credit limit with good joining offers
I just got a job and planning to have a credit card, it will be my first card. Please suggest which one is suitable for me.
Hi Paramveer,
If it’s your first card, I will recommend getting a secure credit card for a small amount so you can start with small payments and build your credit history. Once you have a decent history and score, it will be easier for your to go for a better card that has the features you requested (like CitiBank Rewards Card).
Hey Mani,
Been on your blog for a couple of days now… However even after scouting over so many options.. still unable to make a decision.
If I may.. This is why i’m looking for a card :-
– Increase / Maintain CIBIL Reputation. ( It’ll be my first card )
– Shop on BigBazaar, Online Retailers, Ecommerce Website, Pay Utility Bills.
– Access to Travel Lounge
– Travel and Movie discounts / offers
– Swap rewards and low interest rate on EMI conversions.
I’m confused between Reward Points and Cashback cards…
I’ve shorlisted CitiBank Rewards Card, Standard Chartered Platinum Rewards, Landmark Rewards, Bajaj Finserv, HSBC, SBI but no Idea on what to choose.
HI mani,
My name is Dhananajay(23)from mumbai ihave recently got a job and i want to buy credit card for normal uses like shopping,and dininig outside .Please suggest best credit card with no annual fee
New American Express®MakeMyTrip Credit Card is a good one if you use MakeMyTrip regularly. Also HSBC Visa Platinum Credit Card is a great option.
Hi Mani. I already have Citi Premier miles. I am frequent flyer. Need another credit card. Pl. guide.
I would recommend either the Citibank Rewards card OR the HDFC bank Moneyback card, Sahil. All the best.
Swati,
All the five cashback and rewards cards mentioned in the table above are good candidates, but I would suggest HDFC Bank MoneyBack Card out of them. If you use MakeMyTrip a lot, then American Express MakeMyTrip card is a good option but if you book tickets at multiple sources, then it may not be of any help.
Satinder, New American Express MakeMyTrip Credit Card and Citibank Rewards Card are two good options for you. Check the details in the table above.
Hi Mahadeo, I’m sure they’ll just need your PAN card, Salary documents and the regular ID documents. Let me know if it goes through.
Can you judge Icici rubyx card? I got one and i have no idea upon benefits.
Hi, currently I m in UAE, and have CITI premier mile credit card, use this very frequently, payment made always on time. Frequent traveler in India and overseas. Planning to return back to India for good, what security I need to provide to have one card from CITI India too.
Amit, I would suggest waiting for some time until your CIBIL score replenishes to apply for another card.
Hi, I have recently got HDFC diners club card just before 1 month ago. Also i got icici platinum card just now. But i applied for citi bank rewards credit card, which was not processed due to less CIBIL score. Is there any other card which is similar to citibank rewards card in terms of benefits. I couldn’t get this card just because of CIBIL score. So please let me know such card which does not require more consideration of CIBIL. As i am holding hdfc card since 1 month.
Shweta,
I would suggest Citi Primer miles. Citibank Platinum, Yatra SBI are also good options for travel.
Hi Mani,
I read your blog describing different types of credit cards. Its really great information. However, my requirement is specifically for travel credit card. I saw Citi primer miles card and HDFC jet privilige cards. Both looked fine to me, yet I am not able to decide which one would be a better card. Can you help?
what is your opinion about RBL FUN + Credit Card
Hi Mani,
I watch movies quiet offen which credit card gives me best deals and discounts?
I am planning to get my first credit card, my normal usage will be fuel and utilities bill to a tune of around 6K a month
For this year I am planning to use a credit card to buy airline tickets worth 60,000?
What would you recommend?
Hi Ravider,
I have the list of best cashback credit cards in India here – https://manikarthik.com/blog/shopping-cashback-credit-cards-india/money/
Do check it out!
Hi Mani,
Which is the best credit card for cash back. I know there was a credit card which citi used to provided had 35% cash back means, if you shop for 1 RS then you will get 0.35 paise cashback. It is possible to get that card. Thanks!!
I travel often and Need discount on Hotel stays. So which credit card I should go for?
Mani, which is the best cash back credit card in India?
Also, do you recommend getting Snapdeal’s credit cards?