Discover how the right credit card can transform your finances in India. From fuel surcharge waivers and GST benefits to cashback on Swiggy and Amazon, explore Indian credit cards from SBI, HDFC, ICICI, and Axis Bank with benefits tailored to Indian lifestyles.
Discover the perfect credit card type to match your spending habits and financial goals. Find cards from top Indian banks with benefits tailored to the Indian market.
Earn up to 5% cashback on everyday purchases at Indian grocery chains, petrol stations, and e-commerce platforms like Amazon, Flipkart, and Myntra. SBI SimplyCLICK, HDFC Moneyback, and ICICI Amazon Pay cards offer some of the best cashback rates in India.
Ideal For: Everyday spenders who want to earn on regular purchases and prefer straightforward rewards.
Earn miles with Air India, Vistara, IndiGo, and international airlines. Enjoy complimentary access to domestic airport lounges across Delhi, Mumbai, Hyderabad, Bangalore, Pune, and other major Indian cities. HDFC Regalia, SBI Elite, and Axis Atlas cards offer exceptional travel benefits.
Ideal For: Frequent travelers who want to maximize their travel experiences and save on flights, hotels, and more.
Experience luxury with India's most prestigious cards. Enjoy personal concierge services, exclusive dining experiences at 5-star hotels like Taj and Oberoi, golf privileges at top Indian courses, and premium lounge access worldwide. HDFC Infinia, SBI Elite, and Axis Magnus offer unparalleled benefits for affluent Indians.
Ideal For: High-income individuals who value luxury experiences and can maximize premium benefits to offset higher annual fees.
Save on interest by transferring balances from high-interest cards to leading Indian banks. ICICI, HDFC, and SBI offer competitive balance transfer options with processing fees as low as 1-2% and interest-free periods up to 60 days as per RBI guidelines. Consolidate your debt and reduce monthly payments.
Ideal For: Those with existing credit card debt looking to reduce interest payments and pay down balances faster.
Designed specifically for Indian businesses with GST benefits, corporate liability options, and integration with accounting software like Tally and Zoho. SBI Card Business Unnati, HDFC Bank Business Regalia, and ICICI Bank Business Platinum help Indian entrepreneurs manage expenses while earning rewards on office supplies, digital services, and travel.
Ideal For: Business owners looking to manage company expenses, build business credit, and earn rewards on business spending.
Build your CIBIL score with entry-level cards designed for Indian first-time users. SBI SimplySAVE, HDFC Money Back, and ICICI Coral offer easier approval with regular CIBIL score updates. Students and young professionals can start with these cards to establish credit history before upgrading to premium offerings.
Ideal For: Students, first-time credit users, or those rebuilding credit after financial difficulties.
Indian credit cards offer unique benefits tailored to local needs - from fuel surcharge waivers at IOCL, BPCL, and HPCL to special offers on Swiggy, Zomato, BookMyShow, and other popular Indian services.
Earn up to 5% back on purchases. Watch your rewards grow with every transaction and redeem for travel, merchandise, or statement credits.
Enjoy airport lounges, hotel upgrades, zero foreign transaction fees, and comprehensive travel insurance coverage for a worry-free journey.
Get coverage against damage, theft, and price drops on recent purchases. Many cards offer extended warranties and return protection benefits.
Travel, rental car, and even cellphone insurance included with select cards. Save money on separate policies while enjoying comprehensive protection.
Find your perfect match with our simple guide.
Track your monthly spending habits to identify your top expense categories. Consider your financial goals and which benefits would be most valuable to you.
Different cards require different credit scores. Check your current score to find cards you're likely to qualify for and to avoid unnecessary hard inquiries.
Carefully compare rewards structures, fees, APRs, and benefits of several cards. Calculate the true value of each card based on your specific spending habits.
You earn points, miles, or cash back (1-5%) on purchases. Some cards offer higher rates in specific categories like groceries or travel. Redeem rewards for statement credits, travel, gift cards, or merchandise.
Score requirements vary by card type:
Pay your full balance monthly, only charge what you can afford, create a budget, set up automatic payments, track spending, keep utilization below 30%, and maintain an emergency fund.
Annual fees can be worth it if the benefits exceed the cost. Consider if you'll earn enough rewards to offset the fee, if you value premium benefits, and if the card offers unique perks you can't get elsewhere.
Most experts suggest 2-5 cards is ideal for maximizing benefits while keeping management simple. Consider having a primary everyday card, a backup from a different network, and specialized cards for specific benefits.