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Best Leading Credit Cards of July 2024
HDFC Millennia Credit Card
Axis Bank MY ZONE Credit Card
Best suited for : Shopping , Fuel, Movie, Dining, Lounge Access
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HDFC Freedom Credit Card
BPCL SBI Credit Card
IDFC SELECT CREDIT CARD
Best suited for : Movie, Dinning, Travel, Lounge Access
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IDFC MILLENNIA CREDIT CARD
Best suited for : Movie, Dining
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HSBC Visa Platinum Credit Card
Best suited for : Movie, Dining, Travel
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Axis Bank Rewards Credit Card
Best suited for : Shopping, Fuel, Movie, Dining
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IDFC SELECT CREDIT CARD
Best suited for : Movie, Dinning, Travel, Lounge Access
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Axis Bank MY ZONE Credit Card
Best suited for : Shopping, Fuel, Dining, Lounge Access
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IDFC WEALTH CREDIT CARD
Best suited for : Movie, Dining, Travel, Lounge Access
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Pulse Credit Card
Best suited for : Rewards, Travel, Lounge Access
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HSBC Premier Credit Card
Best suited for : Rewards, Travel, Lounge Access
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Yes Elite+ Credit Card
Best suited for : Rewards, Travel, Lounge Access
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Axis Bank MY ZONE Credit Card
Best suited for : Shopping, Fuel, Dining, Lounge Access
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Axis Bank Rewards Credit Card
Best suited for : Shopping, Fuel, Movie, Dining
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Axis Bank SELECT Credit Card
Best suited for : Shopping, Fuel, Movie, Dining
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HDFC Millennia Credit Card
HSBC Visa Platinum Credit Card
Best suited for : Movie, Dining, Travel
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AU Bank Altura Credit Card
Best suited for : Cashback
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Axis Bank MY ZONE Credit Card
Best suited for : Shopping, Fuel, Dining, Lounge Access
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Axis Bank Rewards Credit Card
Best suited for : Shopping, Fuel, Movie, Dining
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Axis Bank SELECT Credit Card
Best suited for : Shopping, Fuel, Movie, Dining
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BPCL SBI Credit Card
Best suited for : Fuel
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Axis Bank MY ZONE Credit Card
Best suited for : Shopping , Fuel, Movie, Dining, Lounge Access
More Details+
IDFC SELECT CREDIT CARD
Best suited for : Movie, Dinning, Travel, Lounge Access
More Details+
IDFC MILLENNIA CREDIT CARD
Best suited for : Movie, Dining
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HSBC Visa Platinum Credit Card
Best suited for : Movie, Dining, Travel
More Details+
Axis Bank MY ZONE Credit Card
Best suited for : Shopping , Fuel, Movie, Dining, Lounge Access
More Details+
IDFC SELECT CREDIT CARD
Best suited for : Movie, Dinning, Travel, Lounge Access
More Details+
IDFC MILLENNIA CREDIT CARD
Best suited for : Movie, Dining
More Details+
HSBC Visa Platinum Credit Card
Best suited for : Movie, Dining, Travel
More Details+
HDFC Freedom Credit Card
Simply Save Credit Card
Pulse Credit Card
Best suited for : Rewards, Travel, Lounge Access
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AU Bank Altura Plus Credit Card
Pulse Credit Card
IDFC WEALTH CREDIT CARD
IDFC SELECT CREDIT CARD
HSBC Visa Platinum Credit Card
AU Bank Vetta Credit Card
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Yes Bank ACE Credit Card
American Express® Gold Card
A credit card is an essential financial tool for managing immediate expenses, especially during cash flow shortages. With a credit card, you gain access to funds up to your credit limit for any purchase or expense, providing you with the flexibility to repay the amount within a month.
Credit cards offer unparalleled convenience for both online and offline transactions, eliminating the need to carry cash. Additionally, credit cardholders can enjoy numerous perks and benefits with every spend, enhancing the overall value and experience of using a credit card.
- Rewards Credit Cards: Earn rewards points for every purchase or transaction with these credit cards, providing added value to your everyday spending.
- Corporate Credit Cards: Designed for businesses, companies, limited companies, banks, and partnerships, corporate credit cards help track and manage business expenses efficiently.
- Cashback Credit Cards: Enjoy cashbacks on your purchases, offering instant savings every time you use your card.
- Entertainment Credit Cards: Get discounts and rewards on entertainment-related purchases, enhancing your leisure activities with added benefits.
- Lifestyle Credit Cards: Mostly premium cards, they offer exclusive benefits in the lifestyle segment, such as access to golf clubs, dining privileges, and travel discounts.
- Prepaid Credit Cards: Similar to debit cards but with the benefits of a credit card, prepaid cards allow you to deposit a certain amount that becomes your credit limit. Ideal for individuals with a low credit score.
- Travel Credit Cards: Offered in association with travel websites and airlines, these cards provide special discounts, air miles, airport lounge access, travel insurance, and other travel-related perks.
- Secured Credit Cards: Issued against a security deposit, these cards are perfect for individuals with a poor credit score. A fixed deposit in favor of the bank can help you obtain a secured credit card.
- Student Credit Cards: Designed for college students aged 18 and above, these cards have low interest rates and credit limits, often offered as add-ons to parents' credit cards.
- Cashless Convenience: Credit cards eliminate the need to carry large amounts of cash.
- Interest-Free Window: Enjoy an interest-free period of 45 to 55 days between the charging date and the due date.
- Cash Advance Facility: Access cash for urgent needs, subject to an interest charge from day one.
- Numerous Benefits:
- Bonus points
- Gift vouchers
- Rewards programs
- Cashback offers
- Add-On Cards: Apply for supplementary cards for family members to use individually.
- Travel Benefits:
- Air miles
- Airport lounge access
- Airline offers
- Hotel deals
- Travel insurance
- Lifestyle Benefits:
- Dining
- Shopping
- Entertainment
- Wellness offers
- Fuel Surcharge Waivers: Many banks waive fuel surcharges for credit cardholders.
- Credit History Improvement: Responsible usage can enhance your credit history.
- International Use: Make payments and cash withdrawals in foreign currencies while traveling abroad.
- Insurance Coverage:
- Lost card liability
- Protection against fraudulent transactions
- Balance Transfer Options: Transfer outstanding balances from existing cards at lower interest rates.
- Compare and Apply: Start by compare all available credit card offers [in table].
- Fill Out the Form: Enter your personal details in the credit card application form that appears.
- Submit Your Form: Once completed, submit the form to receive a list of offers tailored to you.
- Choose and Apply: Select the offer that best suits your needs and click ‘Apply.’
- Submit Your Application: Complete the online application form. Our team will inform you if you're eligible.
- Contact Customer Care: If you need further assistance, reach out to the credit card provider’s customer care.
- Check Your CIBIL Score: Before applying, check your CIBIL score to improve your chances of approval.
Learn More About Credit Cards
What are the minimum salary requirements for credit cards in India?
- Entry-level Credit Cards: The minimum salary requirement typically starts from ₹15,000 to ₹20,000 per month.
- Mid-range Credit Cards: For cards with more benefits, the minimum salary requirement can range from ₹25,000 to ₹40,000 per month.
- Premium Credit Cards: These cards, which offer extensive benefits and higher credit limits, usually require a minimum salary of ₹50,000 or more per month.
What does a credit card limit mean?
A credit card limit is the maximum amount you can spend using your credit card. It’s set by the bank based on your income and credit history. For example, if your card limit is ₹50,000, you can make purchases up to that amount.
What is an add-on credit card and how does it benefit users?
An add-on credit card is an extra card linked to a primary credit card account. It’s meant for family members like spouses or children, allowing them to make purchases while the main cardholder oversees the account and is responsible for all spending.
What is the minimum credit score required for most credit cards?
To be eligible for most credit cards, you typically need a credit score of 750 or higher.
Can you get a credit card if you have a low credit score?
If your credit score is low, getting a regular credit card can be tough. Instead, try applying for a secured credit card or an add-on card.