Best Credit Cards In India | 21+ Best Credit Cards 2025

Are you looking for the best credit cards in India?

Want to check your eligibility for credit cards?

Want to compare the features and benefits of two credit cards?

OR just improving your credit card knowledge?

The post has all solutions and pieces of information about credit cards. 

Credit cards are now one of the most used services provided by banks in India and around the world.

During the last few years, the use of credit cards for payments or transactions has increased rapidly.

Now almost every person who does online shopping, transaction, or bill payment knows about credit cards.

The reason behind this is the advertisement and discounts given by the banks if the customer uses their credit cards to complete payment tasks.

And some best credit cards can help you to save thousands of rupees every month/year.

You can find the cards as per your needs or choices. Here you just need to meet the eligibility criteria of banks.

Because every credit card has its eligibility criteria based on some requirements like monthly income, age, credit score, etc. 

Credit cards’ most popular categories are

• Shopping Credit Cards
• Travel Credit Cards
• Fuel Credit Cards
• Cashback Credit Cards
• Rewards Credit Cards
• Balance Transfer Credit Cards
• Airline Credit Cards
• Secured Credit Cards
• Zero Fee Credit Cards
• Low Salary Credit Cards, etc.
  

Read: 7 Best Credit Cards For Offers In India

What is the meaning of a credit card?

A Credit Card also known as plastic money is a rectangular piece of plastic and metal issued by banks and NBFC (Non-Banking Financial Corporations) to its customers,  that allows cardholders to borrow money and pay their bills for goods & services online or offline wherever merchant accept card payments.

What are the 4 types of credit cards?

Generally, nowadays banks offer cards with different payment gateways like Visa Cards, Mastercard, Rupay Cards & Amex or American Express here In India.

Cards have their type/categories which makes them special for a specific use.

The most popular types of cards are Cashback Credit Cards, Shopping Credit Cards, Fuel Credit Cards, Travel Credit Cards, Rewards Credit Cards, Balance Transfer Credit Cards, Super Premium Credit Cards etc

Which bank offers credit cards easily?

Every bank and NBFC has their card eligibility criteria. And every applicant has to be eligible when applying for any credit card.

However, some banks are very lenient in the process and have soft criteria so that people with low salaries can also apply for credit cards.

Banks Like HDFC, Bank Of India and Canara Bank can offer you cards with a low salary of 10k and Kotak Bank, and ICICI Bank can offer a secured card with the same amount FD.

What is a credit card limit?

In Very simple words, your Credit Limit or your credit card limit is the maximum amount you can spend from your card.

Your card limit stays fixed for every billing cycle until the bank doesn’t increase your credit card limit.

Whenever you make a payment to any merchant your limit goes down and you have to pay your bills to keep it the same for next month’s use.

What is the rate of interest on a credit card?

Credit card Interest is one of the highest interest rates in the world on any financial product.

Here in India Credit card interest rate is calculated as the Annual Percentage Rate (APR) of charges.

The monthly interest rate could be between 3.10% to 3.80% whereas APR becomes 37.2% to 45% approx.

The bank can change the interest rate on cards at any time however banks share a prior notice with customers.

What is a minimum monthly payment?

A minimum monthly payment or Minimum payment is the amount which you can pay into your monthly card bill and remain on the good customer list with card issuers.

Minimum payment allows you to keep your credit card active while Cary forwards your bill to the next billing cycle.

How can you get a credit card?

Every bank and NBFC which issues credit cards have some criteria or application process which allows you to apply for any credit card.

You need to follow the given steps to apply for a credit card:

1 – Choose your credit card according to eligibility and requirements. Every Issuer has multiple options.

2 – Fill out the application form and get your documents ( Income Proof, Address Proof) ready for further verification by the bank executive or system.

3 – Get Approved and activate your card for further use.

Best Credit Cards In India

However, if you apply for Premium credit cards or any Super premium credit cards then you can avail of almost every benefit with just one credit card.

While a few credit cards required a high monthly income of more than 100K per month.

Though a person with only a 6500/- monthly salary can also apply for special low-salary credit cards. ”Surprise”?

Yes, Indian banks have more than 70+ credit card options for every customer earning between 6500/- per month to 500K per month or more.

If you also want to apply for any credit card and looking for the best credit card option then here I’m sharing a list of top credit cards in India in 2025 for salaried people.

In this list, I have selected almost 5 credit cards from each category, from beginner to Super premium credit cards.

If you are a beginner and want to apply for your first credit card then can select any credit card from this list.

These cards will offer you almost every benefit for your daily spending needs.

And will help you build your credit score for your future financial needs.

You can select and apply for any credit card as per your requirements and eligibility.

#Best Credit Cards For Beginners:-

Credit Card Name	1 Year Fee	Renewal Fee
SBI Simply Save Credit Card	499/- INR	499/- INR
ICICI Platinum Chip Credit Card	0/*- INR	0/*- INR
HSBC Platinum Card	0/- INR	0/- INR
ICICI HPCL Coral Credit Card	199/- INR	199/- INR
HDFC MoneyBack Credit Card	500/- INR	500/- INR

 

SBI Simply Save Credit Card: 

State Bank Of India is the largest public sector bank in the country.

Bank offers a wide range of services and products to its customers and a credit card is one of them.

SBI cards have a large number of users in the country.

SBI Simply Save is an entry-level credit card.

If you are applying for your first credit card then the SBI Simply Save card can be the one option.

Simply Save Features And Benefits:

• Earn 10 reward points for each 150/- INR spent on Dining, Movies, Departmental Stores, and Grocery Spending.
• 1% Fuel surcharge waiver on all fuel outlets.
• 50 days Interest-free period for bill payment ( 30 Days Billing cycle and 20 days grace period).
• Balance Transfer, Cash withdrawal, and Easy EMI facility.
• Use on 24 Million outlets across the globe.

Fee:

#Annual Fee (one time): INR. 499/-

#Renewal Fee (per annum): INR. 499 from the second year onwards. Renewal Fee reversed if annual spends for last year >= INR.1,00,000/-

ICICI Platinum Chip Credit Card:

This is an entry-level credit card offered by Icici Bank.

The Platinum Chip credit card is the best option for those who are looking for a low annual fee credit card with multiple features.

ICICI Platinum Chip Features & Benefits:

• Earn 2 Payback Points For each 100/- INR spending.
• Fuel Surcharge waiver on HPCL Fuel outlets.
• Up to 48 Days of Interest-free time ( 30 Days + 18 Days).
• Easy EMI, Emergency cash withdrawal facility.
• Optional Discounts on online shopping websites like Amazon & Flipkart.
• 15% Discount on more than 2000 Restaurants across the country.

Annual Fee:

Joining Fee: 0/*-  Renewal Fee- 0/*- Per Year ( If apply online)

HSBC Platinum Credit Card:

Offered by a multinational bank HSBC Platinum is the card that gives you multiple benefits with its Platinum services.

If you are applying for your first card and looking for a free credit card with multiple benefits then this card fits your requirement.

HSBC Platinum Card Features & Benefits:

• BookMyShow voucher worth 500/-INR on spending over 50,000 INR in a calendar month.
• Get up to 25% discounts on travel bookings.
• Easy EMI and cash withdrawal facility.
• Earn 2 reward points for each 150/- INR spent.
• Up to 15% off dining at over 1,000 restaurants across major cities in India.
• Fuel surcharge waiver on all fuel outlets (Save 250/- INR Per month).
• Zero Annual Fee Credit Card.

ICICI HPCL Coral Credit Card:

ICICI HPCL coral is another card from the bank which you can consider as your first choice.

This card comes with some best features like fuel benefits, shopping, & movie ticket benefits, etc.

ICICI HPCL Credit Card Features & Benefits:

• Earn 5 Payback Points For each 100/- INR spending.
• Fuel Surcharge waiver on HPCL Fuel outlets.
• Up to 48 Days of Interest-free time ( 30 Days + 18 Days).
• Easy EMI, Emergency cash withdrawal facility.
• Optional Discounts on online shopping websites like Amazon & Flipkart.
• 15% Discount on more than 2000 Restaurants across the country.

Annual Fee:

Joining Fee: 199/-  Renewal Fee- 199/- Per Year

Also Read: Best Personal Finance Blogs In India

HDFC MoneyBack Credit Card:

HDFC MoneyBack Card is one of the popular credit cards in the bank.

This card gives you the option of converting your reward into cash and adjusting it to your monthly bill.

With HDFC credit cards, you can also get up to a 10% discount on popular shopping portals in India.

MoneyBack Card Features & Benefits:

• Earn 2 Rewards for each 150 INR spending.
• Easy EMI And emergency cash withdrawal facility.
• Fuel Surcharge waiver on all fuel outlets.
• Up to 50 days of Interest-free time ( 30 days + 20 days)
• C2C Balance transfer facility.
• Add-on card facility.
• Loan on card facility ( T&C Apply)

Annual fee – joining fee -INR 500, Renewal Fee – INR 500

#Best Credit Cards For Shopping, Cashback & Entertainment

This is the list of the best Cashback, Entertainment, and shopping credit cards.

These cards will give you maximum benefits on Online / Offline Shopping, Utility Bill Payments, Food & Movie Tickets, etc.

If you are looking for a credit card, especially for any of the given reasons then can select these cards.

 

Credit Card Name	1 Year Fee	Renewal Fee
SBI Simply Click Credit Card	499/- INR	499/- INR
ICICI Amazon Pay Card	0/- INR*	0/- INR*
CITI Bank Cashback Card*	500/- INR	500/- INR
Axis Bank MyZone	500/- INR	500/- INR
HDFC Times Card	500/- INR	500/- INR
HDFC Millennia Credit Card	1000/- INR	1000/- INR
Axis Bank Ace Credit Card	500/- INR	500 /- INR
Axis Bank Flipkart Credit Card	500/- INR	500/- INR

SBI Simply Click Credit Card:

SBI Simply Click is the best card for grocery shopping and departmental or online spending.

Along with the Shopping rewards you can also enjoy the benefits of Book My Show, Foodpanda, Cleartrip, Amazon India, and many other sites.

With multiple reward points and other benefits, this becomes the perfect choice for shopping lovers.

SBI Simply Click Features & Benefits:

• 10X reward points on grocery and departmental stores across the country.
• Earn 10X Reward Points on online spending with exclusive partners – Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds / UrbanClap etc.
• Earn 5X rewards on all other online spending.
• Fuel Surcharge waiver on all fuel outlets.
• Easy EMI and Cash withdrawal facility.
• C2C balance transfer facility.
• Up to 50 days Interest-free period ( 30 days Billing cycle + 20 days grace period)
• e-Voucher worth 2000/- INR on annual online spends of INR 1 Lakh

Annual fee:

#Annual Fee (one time): INR. 499

#Renewal Fee (per annum): INR. 499 from the second year onwards. Renewal Fee reversed if annual spends for last year >= INR.1,00,000/-

ICICI Amazon Pay Credit Card:

As the name suggests this ICICI Bank card is associated with India’s biggest shopping portal www.amazon.in

ICICI Amazon Pay Card is another best credit card option for your daily shopping needs.

Every card user can get up to 5% additional cashback by using this card for buying products on www.amazon.in

Amazon Pay Card Benefits:

• You will get 5% cashback on Amazon deals ( If you are an Amazon Prime Member).
• You will get 3% cashback on Amazon deals (if you are a non-prime member)
• 2% cashback will be on all Amazon pay merchants ( Use Amazon pay services to avail cashback)
• Get 1% cash back on other all spending.
• 1% fuel surcharge waiver on HPCL.
• 15% Discount on 2000 Restaurants all over the country.
• Up to 48 days of interest-free time for bill payment (30 days + 20 days)
• Easy EMI facility.

Annual Fee – Zero

CITI Bank Cash Back Credit Card: (Now Discontinued)

Citi Bank Cashback credit card* is a good option if you want to save thousands of rupees on your utility bill payments.

This card will not give you reward points. However, you can avail of the benefits of cashback on your every spending.

Citi Cashback Card Benefits:

• Get 5% cashback on all utility bill payments.
• Get 5% cashback on movie ticket booking.
• Avail 5% cash back benefit on all telephone bill payments.
• Also 0.5% cashback on all other regular spending.
• Up to 20% dining discount on 1000+ restaurants in India.
• Easy EMI facility on the credit card.
• Get the benefit of an instant loan on a credit card.
• Other regular monthly Travel and Shopping benefits on the card.*

Annual Fee – Joining Fee INR 500/- Renewal Fee – INR 500/-

Axis Bank MyZone Credit Card:

Axis Bank My Zone Card is for those who want to create their lifestyle and entertainment zone.

This card comes with a few such great features and benefits like Dining, Movies, multiple rewards, Vouchers, Airport Lounge Access, etc.

MyZone Card Features & Benefits:

• Get 25% Cashback on movie ticket booking on Paytm all days a week.
• Up to INR 1000/- off on Myntra as a welcome delight offer.
• Up to 25% off all purchases at Myntra.(Use coupon code MyZone 25 while checkout)
• Earn 4 reward points for each INR 200/- spending.
• Get 1000 bonus rewards if spend 30k in a calendar quarter.
• Easy EMI facility.
• Get a 1% fuel surcharge waiver on all fuel outlets.
• Up to 20% dining discount on partner restaurants in India.
• Get 1 Complimentary lounge access per quarter at selected domestic airports in India.

Annual Fee :

Joining Fee – INR 500 (Waived off if spends INR. 5,000 in 45 days)

Renewal Fee – INR 500/-

HDFC Times Titanium Credit Card:

HDFC Times Card is specially designed for entertainment and dining benefits.

You can avail of Dining, Movies, Shopping, Apparel, and multiple gift vouchers in many categories.

Times card has 2 different options for customers.

Customers can choose either Times Titanium or Times Platinum cards as per their eligibility.

HDFC Times Card Benefits:

• Earn 2 reward points for each INR 150/- spending
• Earn 5 reward points in the dining bonanza if spend INR 150/- on dining between Monday To Friday.
• Up to 35% discount on dining at selected restaurants In India.
• Get a 1% fuel surcharge waiver off all fuel outlets across the country.
• Avail of an easy EMI facility.
• Up to 50 days of interest-free time for bell payments. (30 days + 20 days)
• Get up to 10% discount on shopping websites as regular shopping offers.* ( Check before shopping)
• Up to 30% off on Travel and Fashion portals.
• Up to 30% off on wellness and medic.

Kindly visit the HDFC Times Card Portal for more details about the latest offers according to your current location.

Annual fee: Joining Fee 500/- Renewal Fee INR 500/-

[ Note – Times Platinum Card annual fee is 1000/- INR ]

#Best Credit Card For Travel In India

As the name suggests this category represents different travel credit cards.

I have selected and included a few best credit cards for travelling either domestically or internationally.

You can select any card from this list.

Most credit cards will give almost every benefit of a multipurpose card along with its special travel features.

Credit Card Name	1 Year Fee	Renewal Fee
SBI IRCTC Card	500/- INR	300/- INR
Axis Bank Vistara Credit Card	1500/- INR	1500/- INR
SBI Air India Platinum Credit Card	1500/- INR	1500/- INR
HDFC Regalia Credit Card	2500/- INR	2500/- INR
CITI Bank Premier Miles	3000/- INR	3000/- INR

SBI IRCTC Credit Card

In India where some people love to travel via Airplane, some people love to travel via Railway.

Almost every bank has a credit card for Air Travellers yet SBI has one for Railways too.

Here I’m talking about the SBI IRCTC credit card. this card can help you save hundreds of rupees while you book your railway tickets.

Also, you can enjoy card other benefits too.

SBI IRCTC Card features and benefits:

• Get 350 Bonus activation reward points if you spend INR 500/- within 45 days of your card activation.
• Save 1.8% on transaction charges on railway ticket bookings on www.irctc.co.in
• Book your tickets through the IRCTC card and get up to 10% value back as reward points. Each reward point value will be 1/- INR.
• Earn 1 reward point for each 125/- rupee spent on a non-fuel purchase.
• Get a 1% fuel surcharge waiver on all fuel outlets across the country.
• Avail easy EMI and Cash advance facility.
• Up to 50 days of interest-free time for bill payments. (30 days + 20 days)
• Avail of some great offers on travel, golf, dining, and other entertainment options from Visa.
• Add-on card facility.
• Balance transfer on the EMI facility.

Annual Fee – Joining Fee – INR 500/, Renewal fee – INR 300/-

Axis Bank Vistara Credit Card

If you love to travel with luxury and comfort while travelling by Air.

Then you must have listened to the name of Vistara Airlines.

This card offers you a premium membership to Club Vistara, along with free air tickets, multiple milestones, and many other benefits.

Axis Bank Vistara Card features & benefits:

• Get a complimentary economy class ticket as a welcome gift. The same benefit will be on card renewal.
• Enjoy Club Vistara Base membership free with an Axis Vistara Card.
• Earn 2 Club Vistara Points for every 200/- INR spent.
• Spend 1,25,000/- in a year and get 1 economy class ticket free.*
• Earn 1000 Club Vistara points if you spend 50K in the first 90 days after issuing your card.
• Complimentary Lounge access at selected airports In India.
• Purchase protection cover worth 1 lakh.
• Get an Accidental cover of up to 2.5 crores.
• Easy EMI facility.
• Fuel Surcharge waiver.

Annual fee – Joining fee -INR 1500/, Renewal Fee – INR 1500/ 

[Note: Axis Bank Vistara Signature Card Annual fee is INR 3000/- and Axis Bank Vistara Infinite Credit Card Annual Fee is INR 10,000/ ]

SBI Air India Platinum Credit Card:

SBI Air India Platinum is a co-branded credit card in association with Air India.

You can use this card for all domestic and international travel bookings.

With thousands of reward points, this card gives you some other awesome benefits.

SBI Air India Platinum Card Features And Benefits:

• Get a 5000 rewards welcome gift. And 2000 rewards on the anniversary.
• Get a complimentary membership to the Air India Frequent Flyer Program.
• Earn Up to 15 reward points for each INR 100/- spent on Air India.
• Earn 2 reward points for each INR 100/- Spent.
• Get up to 15,000 bonus Reward points annually.
• You can convert all your reward points into Air Miles.
• Get a 1% fuel surcharge waiver on all fuel outlets across the country.
• Enjoy the complimentary Visa Lounge Access Program at major domestic airports (2 Visits per quarter).
• Lost card loyalty cover worth 100K INR.
• Easy EMY and Cash on go facility.
• Add-on credit card and emergency card replacement facility.
• Book your railway tickets online on the IRCTC website.
• Balance Transfer on the EMI facility.
• Up to 50 days of interest-free time. ( 30 Days + 20 Days)

Annual Fee – Joining Fee – INR 1500, Renewal Fee – INR 1500

HDFC Regalia Credit Card:

HDFC Regalia Card is one of the top credit cards in India. This is a multipurpose card that you can use for all domestic and international needs.

From fuel benefits to travelling this card brings you almost every benefit, you are looking for.  HDFC Regalia is the regular version of the Regalia Card. As Regalia Gold Credit Card is also available now.

HDFC Regalia First Card Benefits:

• Enjoy Lounge access facilities for domestic and International Airports.
• 12 visits per calendar year on the domestic airport visa /MasterCard lounge.
• Apply for priority pass membership and avail of 6 International access too.
• Dining discounts on selected food outlets and restaurants in India.
• Earn 4 reward points for each INR 150/- spending.
• Redeem your reward points for Hotel and Flight Bookings.
• Earn 10X reward points on travel spends through HDFC Smart Buy.
• 1% fuel surcharge waiver on all fuel outlets across the country.
• Easy EMI facility.
• Accidental death covers worth INR 100 lakhs* 
• Emergency overseas hospitalization up to INR 15 lakhs in case of emergency
• Credit Liability cover of up to INR 9,00,000
• Up to 50 days of interest-free time for bill payment.

Annual fee -Joining Fee – INR 2500/- Renewal Fee – INR 2500/-

[Note: HDFC Regalia Gold card annual fee is INR 2500/- where you also get some other premium benefits with all these features & benefits.]

CITI Bank Premier Miles Credit Card ( Now Under Axis Bank Cards) Discontinued

CITI Bank Premier Miles credit card is one of my favourite cards. And I use it for my travel bookings.

Unlike other cards, this card gives you a choice to use your miles for more than 20 International Airlines.

Citi PremierMiles card features & benefits:

• Get 10,000 miles with your first spend of INR 1,000 or more on your Citi PremierMiles Card within 60 days of card issuance.
• Get 3000 miles on card renewal every year.
• Earn 10 miles for each INR 100 spent on www.Premiermiles.co.in.
• Earn 4 miles for each INR 100 spent on regular shopping.
• Get complimentary lounge access to selected domestic airports in India.
• Up to 20% discount on dining at selected restaurants in the Country.
• Easy EMI Facility and loan-on-card facility.*
• Enjoy more than 20000 regular travel, shopping, entertainment, and lifestyle offers in 30 different countries.* (Check the website for more)
• Up to 50 days of interest-free time for bill payment. (30 days 20 days)
• Add-on card facility.

Annual fee Joining fee INR 3000/- Renewal fee INR 3000/

#Best Premium Credit Cards In India

In the category of premium credit cards, there are almost 20 cards from various banks. Yet I have selected only 5 cards where you can get maximum benefits.

Because every bank doesn’t give promotional offers I tried to include the cards where you can avail of the shopping benefits throughout the year.

Credit Card Name	1 Year Fee	Renewal Fee
SBI Elite Credit Card	4999/- INR	4999/- INR
Amex Platinum Travel*	3500/- INR	5000/- INR
HDFC Infinia Credit Card	10000/- INR	10000/- INR
Standard Chartered Manhattan Card	999/- INR	999/- INR
Axis Bank Reserve Credit Card	30,000/- INR	30,000/- INR

SBI Elite Card:

For premium customers of the bank, SBI has an Elite card.

This card offers you almost every benefit including Travel, Shopping, Dining, Entertainment, Lifestyle, etc.

SBI Elite Card Features & Benefits:

• Get an E-voucher worth 5000 as a welcome gift.
• Enjoy movies with free movie tickets worth 6000 INR every year.
• Earn 2 reward points for every 100 Rs spent.
• Get 5X reward points for each INR 100 spent on dining, grocery, and departmental stores.
• Earn 10000 bonus reward points if spend INR 3 lac annually.
• Complimentary priority pass membership worth 99$.
• Also 6 complimentary International lounge access per calendar year. (Maximum 2 visits per calendar quarter)
• 2 Complimentary domestic lounge visits every quarter in India.
• Enjoy a complimentary Club Vistara membership and 1 lounge access voucher.
• Earn 9 Club Vistara points for each 100 INR spent on Vistara flights.
• Complimentary Trident Privilege Red Tier membership and 1000 welcome points on registration.
• Lowest Foreign Currency Markup Charge of 1.99% on International usage.
• Enjoy 24/7 Concierge Services for card members.
• Hundreds of other regular benefits from different merchants, hotels, and restaurants.*
• Enjoy Golf benefits*
• Fraud & lost card liability worth 100K INR.
• 24X7 Support and emergency card replacement facility.
• Balance Transfer on the EMI facility.
• Easy EMI and Cash advance facility.

Up to 50 days of interest-free time for bill payment.

Annual Fee – Joining fee – INR 4999/- + Taxes, Renewal fee – INR 4999/- + Taxes

Amex Platinum Card

If we talk about premium credit cards then we can’t miss the Amex credit cards. However, Amex doesn’t offer many cards here in India. 

Still, every Amex credit card is considered a premium credit card because of its features and benefits. 

Amex Platinum Card Features & Benefits:

• Get 5000 milestone membership reward points as a welcome gift. ( You can redeem these points against a travel voucher worth 4ooo/ INR.)
• Earn 2 milestone reward points for each 100 INR spent. 
• Enjoy 4 complimentary lounge access every year. ( 1 visit per quarter)
• Get a Taj experience E-gift card worth 10,000/ INR.
• Enjoy a Complimentary priority pass membership worth 99$.
• Spend 1.90 Lac in a year and get a travel voucher worth 7700/- INR*
• Spend (or Reach) 4 lac in a year and get travel vouchers worth 11,800 INR.*
• 1% fuel surcharge waiver.
• Up to 20% discount on the selected restaurants in India.
• Easy EMI facility.
• Zero lost card liability benefit.
• Add-on card facility.
• 24/7 platinum service and emergency card replacement anywhere in the world. 

Annual Fee – Joining fee – INR 3500 + Taxes,  Renewal fee – INR  5000+ Taxes 

HDFC Infinia Credit Card

HDFC Infinia Credit Card is another option for lifestyle and luxury card lovers. 

The most premium credit card from HDFC Bank brings you all the premium benefits too.

However, this is an invitation-based credit card. Still, if you think that you are one of the customers who should apply for this you can contact the bank.

HDFC Infinia features and benefits:

• Enjoy one year of Club Marriott membership and get up to a 20% discount on dining and staying across the Asia Pacific.
• Get Unlimited lounge access to 1000+ domestic and international airports.
• Complimentary priority pass membership.
• Enjoy unlimited complimentary golf games at leading courses across India and selected courses across the world.
• Get 24X7 customer support and personal concierge services.
• Get dining discounts on partner restaurants across the country.
• Earn 5 reward points for each 150 INR spent.
• Earn 10 reward points on travel and shopping spending through HDFC Smart Buy.
• Redeem your points with the best-in-class options from the catalogue and on Hotel /Travel bookings.
• Get a 1% fuel surcharge waiver on all fuel outlets across the county if spend between 400/- to 1,00,000 INR.
• Accidental Air death cover worth 3 crores.*
• Emergency overseas hospitalization up to 50 lakhs INR in case of any emergency.*
• Lost card liability or credit shield cover for up to 9 lakhs.*
• Up to 50 days of interest-free time for bill payment.
• Cash advance/loan on card facility.*
• Easy EMI facility.

Annual fee – Joining fee INR 10,000/+ Taxes, Renewal fee – INR 10,000/ + Taxes

(Note: Renewal fee waived if spends 8 lakhs in last 12 months and renewal benefit of 10,000 reward points will be credited on fee realization)

Standard Chartered Manhattan Card

One of the premium offerings from Standard Chartered Bank in India.

SCB Manhattan card gives you offers and cashback on shopping, travel, bill payments, and many more.

SCB Manhattan Card Features & Benefits

• Get a BookMyShow movie voucher worth 2000/ INR.* ( Only if paid the joining fee)
• Get 5% cashback on shopping at the supermarket and departmental stores.
• Cashback on bill payment at Billdesk.
• Up to 15% discount on 850 restaurants across the country.
• Earn 3 reward points for 150 INR spent.
• Easy EMI facility.
• C2C Balance transfer facility on very low interest.
• Save up to 8650 INR per year with an SCB Manhattan card.
• Up to 50 days of interest-free time for bill payments.

Annual fee: Joining fee -INR 999/, Renewal fee – INR 999 ( Waived on spending Rs 1,20,000 in the Year)

Axis Bank Reserve Card:

Axis Bank Reserve Credit card is the most premium offering on our list.

You can apply for this credit card after receiving an invitation from the bank.

This card brings you all the luxury with its most premium benefits.

Axis Bank Reserve Card Features & Benefits:

• Enjoy a Luxury Dining experience in a luxury hotel.
• Get a complimentary Tata Cliq voucher worth 10000 INR.
• Exclusive Club Marriott membership and discount on Dining, & Bookings.
• Get a dedicated 24X7 Concierge service desk.
• Enjoy Club Vistara gold membership.
• Complimentary Priority Pass Membership for worldwide lounge access.
• Complimentary golf rounds at the most prestigious golf destinations.
• Enjoy a 15% discount on dining at partner restaurants across the country.
• Get 50% cashback on movie ticket booking at the BookMyShow website.*
• Earn 10 EDGE reward points for each 200 INR spent.
• Get an Air Accidental cover worth INR 4.5 crores.*
• Get Purchase protection worth INR 2 lakh.*
• Also, get Lost card liability until the spending limit.
• Loss of travel documents protection worth 300 USD.*
• Delay of checked-in baggage cover worth 300 USD.*
• Loss of checked-in baggage cover worth 500 USD.*
• 1% fuel surcharge waiver on all fuel outlets across the country.
• Easy EMI facility.
• Get 30,000 Edge reward points on card renewal with all other benefits.
• And many more hidden benefits you will enjoy with this most prestigious credit card.

Annual fee – Joining fee INR 30,000/ Renewal Fee -INR  30,000/- 

Some Other Credit Cards For Low Salary Users:

We have already discussed some Multipurpose and Premium credit cards where the required monthly income is a minimum of 15k to the maximum as per bank requirements.

But in this category, I’ll share some low-salary credit card details.

To apply for these credit cards your monthly income should be between 6500 INR to 10,000 INR.

However, some banks require a relationship else will offer you a card based on eligibility.

If your application has been rejected from the bank due to low income then these cards can be an instant option for you.

These cards will not only help you to buy products,& pay your bills but also will help you to generate your credit score for future financial needs.

Credit Card Name	1 Year Fee	#Required Salary
Bank Of India ‘India’ Card	500/- INR	6500/- INR
Canara Bank Visa Credit Card	500/- INR	8500/- INR
PNB Classic Credit Card	500/- INR	8000/- INR
HDFC Indian Oil Credit Card	500/- INR	10,000/- INR
Canara Bank Global Credit Card	500/- INR	10500/- INR

#How To Apply For Credit Card?

If you want to apply for any credit card then you must fulfil the bank requirements.

These requirements or eligibility criteria can be different as per the card or category.

To make sure that your application is approved must fill out the eligibility requirements.

If you find yourself eligible according to the bank guidelines you can apply for the card directly from the bank website or can fill out the contact form to let them get back to you.

#Credit Card Eligibility To Apply For Credit Cards In India:-

Before applying for any card you should check the below-given points:

The applicant must be an Indian citizen. ( Special Cards are also available for NRI yet need to talk with the banks)

Applicants must have a minimum age of 18 Years.

The applicant should be salaried or self-employed. (With valid Income proof)

His/ her minimum income should be 100K INR to 300K INR. ( Monthly minimum 15K to 500K as per card requirement)

#Check Factors To Get Sure Credit Card Approval Or Can Affect Your Eligibility:

Good Credit Score:

Your high credit score will give you a high chance to get approved, whereas a low score will get your application rejected.

A good credit score indicates that you have been a good customer in past. A good credit score will be anywhere between 750 to 900.

Existing Debt Loan/Card:

If you have not paid your existing card bills or loan EMI yet then this can be the reason for your application rejection.

While applying for a card bank will also check your utilization ratio, if your uses are more than your limit then it’s not a good sign for you.

Residence / Office Location:

I have already discussed this factor in many of my YouTube videos that your home/office location can be the reason for rejection.

Some banks only offer cards in specific locations in the city. So always check before applying whether you fit in this or not.

Employment Status:

Do you think that a bank will give you a credit card if you have just joined the job?

Most of the time we get rejected because we applied for a credit card very soon even without getting our first salary.

The longer you have worked with the organization will give you benefit. Try to apply at least 4-6 months after joining.

Documents Required For Credit Card Application:-

The requirement for documents can differ from bank to bank.  Yet below is the list of documents you need to submit for credit cards with your application form:

For Salaried:

Colour Passport Size Photograph

PAN Card Photo Copy

1 Residence Address Proof ( Voter card, Adhaar card, Passport, etc)

Latest Monthly Salary Slip ( For Salaried Only)

Bank Statement Of Salaried Account

Form 16

For Self-Employed:

Income Proof ( Latest ITR Copy)

Bank Statement ( 3/6 months )

ID & Address proof ( PAN & Voter Card, Adhaar Card, Passport Etc)

Business proof ( If required by the bank)*

[Credit Card Front Copy and Last Bill ( If applying for Card 2 Card)]

As I earlier confirmed in the post you have a choice of 100+ credit cards.

Still, I have selected only a few of them which are considered top credit cards in their category with features and benefits.

Most of the credit cards from the list will give you some amazing offers for your spending.

So instead of applying for too many cards, you can select the best credit cards.

#If found it helpful, share it with your friends 🙂

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