AU Bank - Yoindi

How to Compare Credit Cards?

A credit card is the safest payment method when used responsibly. It improves your financial health by increasing your CIBIL score and choosing the right credit card. Choosing the right credit card is difficult, as thousands of options are available. Here comes Yoindi, a rescue where you can compare credit cards and apply for credit cards. Do questions arise about how you will compare credit cards? Let’s have a closer look at important factors to compare credit cards.

Understand credit card types

There are various types of credit cards, such as gold cards, silver cards, platinum, titanium, etc. You can apply for a credit card depending on your income, CIBIL score, and eligibility. If you are eligible, you enjoy the benefits of the card.

For instance, a silver credit card is provided to a person with an average salary and work experience of 4 to 5 years, while a gold card is provided to high-income customers. Silver credit cards have no interest charged for 6 to 9 months and have a low membership fee. The gold credit card provides features of high credit limit, travel insurance, cashback offers, rewards, and many other benefits.

Understand the category of the card

When applying for a credit card, understand which category you need the card. The category depends on your spending. If you are spending on shopping, then apply for a card that provides benefits for shopping. If you like to eat in a restaurant, opt for a card that benefits restaurants.

Credit score

Credit score plays an important role in getting the type of credit card and having the benefits. The CIBIL score on which you receive your credit card is 300 to 850. Here is how it is broken into the following parts:

Bad credit card score is 300 to 579.
A fair credit score to get a card is 580 to 669.
A good credit score to get a card is 670 to 739.
The excellent credit score to get a card is 740 to 850.

Interest-free period

When you pay with a credit card, you get a grace period to repay. The grace period is 50-55 days depending on the card provider. These days are also known as interest-free periods. When applying for a credit card, compare the card's interest-free period and choose the best from the list.

Annual Fee

The annual fee is an important factor when buying a credit card. If the annual fee of the card is more than getting benefits as a cardholder, then don’t opt for that credit card. Instead, opt for credit cards that do not have an annual fee or give you more benefits than the annual fee.

Reward points

The feature that attracts customers to have credit cards are reward points. When you earn more reward points on spending, you get more benefits. While comparing credit cards, choose credit cards that provide you rewards on your spending, so you achieve high rewards and get benefits.

Interest Rate

Once the grace period is over, you must pay an interest rate on the transaction. If the interest rate is high, it is a burden for your pocket; opt for a low-interest-rate credit card.

Additional card fees

When you have a credit card, you have to bear additional fees too:

Late payment fee

When you don’t repay on time, you must pay late fees to the issuer provider.

Foreign transaction fee

When you are making a payment in a foreign bank related to shopping or travel outside India, you must pay a foreign transaction fee. The transaction fee is 3-5% on each charge.

Balance Transfer fees

When you're transferring money from one card to another card, then you need to pay fees. The fees range lies between 3% - 5%.

How to Choose the Right Credit Card for You?

When you are looking for a credit card, you have to check certain factors, so you choose the right credit card for you. There are five basic steps to follow to get the right credit card.

Know the purpose

When we are spending money, we spend it for a reason. In the same way, having a credit card has a reason, such as getting offers on Shopping, making a bigger purchase with the borrowing amount, or improving a credit score from scratch. While comparing credit cards, know the purpose.

Understand your eligibility

Once you understand the purpose of a credit card, let's understand whether you are eligible for that type of credit card. For instance, you want a credit card that gives benefits for Shopping, but you have a low income, so apply for a credit card where there is a chance of approval based on your income. At Yoindi, you can compare credit cards based on income and other factors and apply for the right credit card.

Shortlist the cards

While comparing the credit card, shortlist the card based on your need and eligibility. This will make your work easy. As you shortlist the card, check its annual fees or other fees because it should be affordable for you.

Pick one that offers the best value

From the shortlist card and looking into charges or fees, pick one that provides you best values. For that, ask the following questions.

Did the card provide benefits as per your need?
Will cards be useful in the future?
Did the bank provide an upgrade facility on the same card?

Choose where to apply

In the previous step, you chose a credit card. Here, in these steps, choose a method of application. Did you apply on the bank website, Yoindi, or other third-party websites?

Features to Look for while Comparing Credit Cards

If you are confused about whether to have a credit card or not, then check its features and then make a decision.

Welcome benefits

When you apply for a credit card, you get welcome benefits. These benefits offer additional discounts, vouchers, bonuses, rewards, etc.

Rewards points

You receive rewards when you spend money on shopping, food, and travelling. Rewards you received on the selected brand and partners. You can redeem the rewards and enjoy the benefits.

Cashback benefits

The benefits were you received the cashback after the spending. The same cash you can apply for other purchases on the same shop or platform. These are some of the benefits cardholders enjoy with credit cards, as they can use cash for other purchases.

Lifestyle benefits

Are you looking for a credit card that covers major areas of your living expenses? Yes, a Lifestyle credit card is right for you because it benefits dining, travelling, health and wellness, and other major areas of your life.

Travel benefits

Are you a person who is travelling for business purposes? Yes, then a credit card provides benefits on travelling too. It provides benefits on air ticket bookings, travel insurance, annual fee waiver, lounge at the airport, etc. The banks that provide the best credit card travel benefit are Axis bank, HDFC Bank, and SBI Bank.

Fuel surcharge waiver

If you are a person who travels a lot with vehicles, then having a credit card with the benefits of a fuel surcharge waiver is important for you. You get 2.5% waived off on the spending on fuel.

Interest rates

Interest rate is charged when you do not repay the borrowed money or make a partial payment. For instance, if you spend 15000 with a credit card and repay Rs 8000, then Rs 7000 will charge an interest rate.

Insurance coverage

Credit cards come with the benefits of insurance coverage too. The insurance on travel, medical, car rental insurance, and insurance against credit cards. Depending on your need for insurance, choose a credit card.

EMI conversion

Paying for highly expensive goods and hospital payment makes a hole in your pocket. But these can be managed because of credit cards. With credit cards, you can convert expenses into EMI as you don’t have a huge burden of finance on you because of EMI. While applying for a credit card, look into these essential benefits.

Secured Transactions

Credit cards provide security during transactions with the help of PIN. You can make contactless payments and payments with Chip and PIN security. You also get fraud protection on some cards.

Add on card

Are you looking for an additional card with a primary card? Because you want your wife, children, and parents to use the same card for the expenses. Then the bank or card issuer provides you with an add -on the card, as you will save money on annual fees and maintenance expenses.

Complimentary airport lounge access

If you are a person who is often travelling with the flight, then these card benefits are for you. You will get complimentary access to membership of 100 airport lounges, special waivers on flight prices, and other benefits.

Eligibility Criteria for Credit Card

Heading	Salaried	Self Employed	Others
Age	Minimum - 18 years, Maximum - 60-65 years	25-65 years	Minimum - 18 years, Maximum - 60-65 years
Credit score	It should be 750 or more	It should be 750 or more	It should be 750 or more
Income	Stable monthly income or annual income	Minimum annual income depends on the issuer	The minimum income you need as the state in the bank
Employment	Should be working in current organization for one year	--	--

Documents Required for Credit Card

Heading	Salaried	Self Employed	Students	Non - Resident
Identity proof	Aadhar Card PAN Card Driving License Voter ID Card Passport	Aadhar Card PAN Card Driving License Voter ID Card Passport	Aadhar Card PAN Card Driving License Voter ID Card Passport	Driving License Passport
Address proof	Electricity bill Ration card Passport Driving license Telephone bill Voter ID Bank statement for last 2 months	Electricity bill Ration card Passport Driving license Telephone bill Voter ID Bank statement for last 2 months	Ration card Passport Driving license Telephone bill Voter ID	Passport Driving license Telephone bill Voter ID Electricity bill Bank account statement Rental agreement Lease deed
Income proof	Form 16 Payslip IT Return ( Income tax )	Income Tax Returns Proof of Business Continuity PAN Card Certified financial document	--	A self-check from the bank that is located abroad Bank account statement
Age Proof	Passport Voter ID Card Birth certificate 10th standard school certificate	Passport Voter ID Card Birth certificate 10th standard school certificate	Passport Voter ID Card Birth certificate 10th standard school certificate	--
Other Documents	Form 60 PAN card photocopy	--	Enrolment proof Admission slip Study certificate from the college or university College identity card	For mailing addresses in overseas documents Passport Driving license Government issues ID-card Utility bill Rent receipt Company ID card Lease Agreement Overseas bank statement Company Appointment letter

Common Fees & Charges Related to Credit Card

ATM, when you apply for a credit card, you have to bear some charges which are not negotiable. These charges are as follows :

Type of Charges	Charges
Interest charges	2% to 4% per month
GST	As per GST Law
Annual maintenance charge	Depending on the card issuer
Late payment charges	Depend on the due time and amount
Overdraft charges	--
Foreign transaction charges	3% - 5%
Outstation cheque charges	--
Dishonour of ECS charges	--
Lost card charges	--
ATM Withdrawal Charges	2.5% of the cash advance

Best Lifetime Free Credit cards

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
IDFC First, select credit card	Zero annual fees	Nil	Complimentary airport lounge access Complimentary railway lounge access Convert transaction EMI above Rs 2500 Welcome voucher of Rs 500 on expenses of Rs 15000 with 90 days of card generation 5% cash back on the first EMI transaction within 90 days Low foreign exchange fee of 1.99%	10X Rewards points on spending more than Rs 25000 6x and 3x rewards points for online and offline spending upto Rs 25,000	You earn rewards when do frequently shopping No annual fees No joining fees Easy conversion of EMI	When looking for a specific category benefit, this card is not for you
HSBC Visa Platinum Credit Card	Zero annual fees	Nil	Free vouchers Rewards Complimentary membership Cashback Discount on movie ticket Insurance benefits Other benefits	5X Rewards on each purchase after spending Rs 4 lakh in a year	Lifetime free credit card No annual fees No joining fees	--
Bank of Baroda prime Credit Card	Zero annual fees	Nil	Guarantee issue when FD is Rs 15000 or more with income proof Prime is lifetime free Easy EMI options Fuel surcharge waiver Redemption options for rewards Other benefits	Rewards points on each MCC spending Rewards points on each other MCC spending	Easy EMI conversion No annual fees No joining fees	--
HDFC Bank Millennia Credit Card	Rs 1000	Rs 1000 + Taxes	Welcome benefits 1000 cash points EMI conversion Fuel surcharge waiver Lounge access Cashback Interest-free credit period Other benefits	At 1 cashpoint = Rs 0.30 2.5% cash back on the spending of Rs 2000 1% cash back on the spending of Rs 100	Easy EMI conversion Zero lost card liability Interest-free credit period	Joining fees is to be paid Annual fees are to be paid
Axis Bank ACE Credit card	Second year onwards, RS 499 If you spend more than 2,00,000 in a year, then fees are waived	Rs 499 + Taxes	Fuel surcharge waiver Unlimited cash-back offers Lounge access Dining delights	No rewards points	No duplicate statement fee No outstation cheque fee Free mobile alert transaction charges No balanced inquiry charges	Joining fees is to be paid Annual fees need to pay from 2nd year

Best Zero Annual Fee Credit Cards

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
SBI card Unnati	Nil, 5 years onwards Rs 499	Nil	EMI conversion Secured card Add on card Utility bill payment facility Rewards points on shopping Contacless payment Other benefits	Get 1 rewards points on Rs 100 spent Receive Rs 500 cashback within 15 days, spending Rs 50,000 or more	Fuel surcharge waiver No annual fees No joining fees	You get a card when you have FD with an SBI of Rs 25000 or more
IDBI Aspire Platinum	Nil	Nil	Zero lost card liability Interest-free credit Fuel surcharge waiver 500 delight points on the first usage within 30 days 300 delight points on the first usage within 31 to 90 days	2 delight points for every 150 spent on traveling, shopping, watching movies, and dining out	No annual fees No joining fees Interest-free credit	Pay cash replacement fee of Rs 200
Axis Bank Insta Easy Credit card	Nil	Nil	6 rewards points on domestic spending of Rs 200 12 rewards points on domestic spending of Rs 200 Discount of 15% on dining bills at partner restaurants 1% waived on fuel charges between Rs 400 to Rs 4000	6 rewards points on domestic spending of Rs 200 12 rewards points on domestic spending of Rs 200	Fuel surcharge waiver Minimum paperwork Required Improve the credit score No income proof is required	The applicant needs to open an FD account with the bank to get this card Rs 2000 minimum amount required in FD
Amazon Pay ICICI	Nil	Nil	5% cashback on amazon Discount of 15% on dining bills at partner restaurants 1% waived on the fuel charge	Unlimited rewards point	No annual fees Fuel surcharge waiver Get unlimited rewards points No upper or lower limit to amazon pay balance	Invited only credit card One to be amazon prime member to get discount
IDFC First Select credit card	Nil	Nil	Welcome benefits of voucher Rs 500 Fuel surcharge waiver Railway Lounge access Domestic Airport Lounge access Free roadside assistance Air accident cover of Rs 1 crore Personal accident cover of Rs 5 lakh Other benefits	Rewards points without any upper limit	Rewards point without any upper limit No annual fees No joining fees	The value of the reward point is INR 0.25

Best Rewards Credit Cards

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
FinBooster: YES Bank bank Bazaar Co-branded Credit card	Nil	Nil	1% waived on fuel charges between Rs 400 to Rs 5000 Fitness benefits Get 3 add-on credit cards	Get 5x reward points on dining spends 2 reward points for every Rs 200 spent	Interest free credit Reward points do not expiry	18% GST to pay on fees
IndusInd Bank Platinum card	Nil	Rs 3000	Fuel surcharge waiver Lifestyle benefits Insurance benefits Travel benefits Golf benefits Other benefits	1 reward point = Rs 0.85 1.5 reward points for every Rs 150 spent	No annual fees Add on credit card fee NIL	Paying joining fees of Rs 3000
HSBC Smart Value Credit Card	Rs 499	Nil	Subscribe to ganna for 3 months within 600 days of card issue Lifestyle benefits Movie benefits Make 5 transactions of Rs 5000 or more within 60 days of getting the card	1 reward points for every Rs 100 spent 3X rewards points for dining, hotel, and telecom	Instance EMI Balance Transfer Easy EMi Conversion Global acceptance cards No annual fee on add card	No fees for add-on card There are no joining fees
HDFC Freedom Credit card	Rs 500	Rs 500	Fuel surcharge waiver Spending Rs 90,000 annually and earn a gift voucher of Rs 1000 Rewards points on movies, dining, railway, and tax bookings	1 reward points for every Rs 100 spent Rewards points you get on retail, HDFC SmartBuy, PayZapp, and birthday spends	Membership fee waived off when you spend Rs 60,000 in the year with a card No Additional card fee	Need to pay joining fees and annual fees Not benefits if you are looking for travel benefits
American Express SmartEarn Credit Card	Rs 495	Rs 495 ( waived off when spending Rs 40,000 or more)	1% fees on fuel charges for above 5000 Fuel surcharge waiver Other benefits	10X Rewards points on every Rs 50 spent on Flipkart, Amazon, and Uber	Easy EMI conversion Flexibility provides to pay the credit bill Contactless payment	Joining fees and annual fees is to be paid

Best Airline Credit Cards

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
HDFC Bank Diners Club Black card	Rs 10,000	Rs 10,000	You can book tickets for airports and hotels across 150 airlines Access to 1000+ airport lounge Air accidental death coverage of Rs 2 crore Emergency overseas hospitalization cover of Rs 50 lakh	Get 5 rewards for every Rs 150 spent Earn 10X reward points on all partner brands	Life time free add-on card Credit liability covers up to 9 lakh It covers overseas hospital expenses	Need a monthly income of more than Rs 1.75 lakh
Axis Bank Vistara Credit card	Rs 1500 from the second year	Rs 1500	In a welcome gift, get a complimentary economy-class flight ticket Complimentary lounge access Receive a Club Vistara membership for free Up to Rs 2.5 crore air accident insurance	You earn 2 club Vistara points for each Rs 200 spending	Easy EMI conversion No outstation cheque fee No Duplicate Statement Fee	--
Yatra SBI Card	Rs 499+ Taxes	Rs 499+ Taxes	Welcome gift worth Rs 8250 Rs 5000 transaction on domestic flight booking provides Rs 1000 off Rs 40,000 transaction on Internetional flight booking provides Rs 4000 off Air Accidental cover	1.6 Rewards points on every Rs 100 spent on grocery, dining, movies, and entertainment	No add-on card fees Getting a good amount of benefits on travel	--
IndusInd Intermiles Voyage Amex Credit Card	Rs 2000	Rs 2000	Get Rs 15000 on Intermiles as a welcome bonus 2X intermiles on flight Books and hotel booking Lifestyle benefits as a movie ticket Concierge service Travel benefit Assurance Fuel surcharge waiver	Up to 6 intermiles on every 100 spending Earn 2X on flights, hotels, and amazon spends	1% waived on fuel charged No fees on Add on card	--
Kotak IndiGO Ka-Ching 6E rewards XL Credit card	Rs 2500	Rs 2500	Welcome ticket of Rs 3000 8 domestic lounge access every year 6% on dining, grocery, and entertainment, 3% on feature partners, and upto 20% on other spending, including fuel Complimentary meals worth Rs 899	6E Rewards earned on every Rs 100 spent	Special card for flight travel With the airport lounge, you enjoy coffee and a movie No fees on Add on card	Not useful when travelling by railway or bus

Best credit card for airport Lounge Access

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
HDFC Visa Signature Credit Card	Free membership with spending Rs 15000 with 90 days Renew your membership for free by spending Rs 75000	Nil	Free priority pass membership of Rs 99 Fuel surcharge waiver Saving on lounge access and fuel	2 points on each Rs 150 spent	Interest free credit for 50 days Zero lost card liability Get 3 add-on cards for free	Based on spending, you have to pay zero annual fees
SBI Platinum Corporate Credit card	Rs 2999	Rs 2999	Travel insurance Lounge access to 600 airport Welcome gift worth Rs 3000	5X rewards on dining, grocery, and international spending	Provide a free, easy bill facility Card replaced with 24*7 with the report	--
Axis bank Miles and More Credit Card	Rs 3500	Rs 3500	Lounge access to 600 airport Dining benefits 24*7 concierge services Insurance coverage	High on rewards	Card safety Easy EMI conversion	Cash and retail charges of 2.95%
HDFC Bank Millennia Credit Card	Rs 1000	Rs 1000 + Taxes	Fuel surcharge waiver 8 complimentary Lounge access	At 1 cashpoint = Rs 0.30 2.5% cash back on the spending of Rs 2000 1% cash back on the spending of Rs 100	Easy EMI conversion Zero lost card liability Interest free credit period	--
American Express Platinum Travel Credit Card	Rs 3500 + Taxes Second year – rs 5000 + taxes	Rs 3500 + Taxes	Travel vouchers Airport lounge Complimentary benefits	2 membership rewards points for each Rs 100 spent	Zero lost card liability Contactless payment Platinum services	--

Best Credit Card For Travel

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
Yatra SBI Card	Rs 499+ Taxes	Rs 499+ Taxes	Welcome gift worth Rs 8250 Rs 5000 transaction on domestic flight booking provides Rs 1000 off Rs 40,000 transaction on internetional flight booking provides Rs 4000 off Air Accidental cover Fuel surcharge waiver	6 Rewards points on every Rs 100 spent on grocery, dining, movies, and entertainment	No add-on card fees Getting a good amount of benefits on travel	--
HDFC Regalia	Rs 2500	Rs 2500	6 complimentary lounges for international 12 complimentary lounges for domestic Dining benefits Others	1 point = Rs 0.50	Zero lost card liability Contactless payment	This card is not useful for shopping
Axis Bank Vistara Signature Credit card	Rs 3000	Rs 3000	Protect purchase cover Rs 1 lakh Air accident cover is up to Rs 2.5 crore Welcome privileges Complimentary club Vistara membership	4 Cv points for spending Rs 200	Lost card liability covers up to 10% No add-on card fee	--
MakeMyTrip ICICI Bank Signature Credit Card	Nil	Rs 2500	Benefits on holiday, movie tickets and hotels, etc 2 complimentary airport access and 1 railway lounge access in every quarter	Earn 40,000 rewards point using the card for travel needs	No annual fee	--
American Express Platinum Travel Credit Card	Rs 3500 + Taxes Second year – rs 5000 + taxes	Rs 3500 + Taxes	Travel vouchers Airport lounge Complimentary benefits	2 membership rewards points for each Rs 100 spent	Zero lost card liability Contactless payment Platinum services	--

Best Credit card for Shopping

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
HSBC Cashback Credit Card	Rs 750	Nil	15% discount at partner restaurants in major cities Rs 500 amazon on voucher spending Rs 500 or more within 30 days of issuing card 3 complimentary airport lounge access at inter-national and domestic or 3 meal vouchers	Provide unlimited cashback on the purchases	Zero joining fees EMI conversion	--
HDFC Millennia Credit Card	Rs 1000	Rs 1000 + taxes	8 complimentary airport lounge access Shopping benefits	5% cashback on shopping with amazon, Flipkart, flight and hotel bookings Other cashback benefits	Fuel surcharge waiver Zero lost card liability Contactless payment	--
Axis Bank ACE Credit card	Second year onwards, RS 499 If you spend more than 2,00,000 in the year, then fees are waived	Rs 499 + Taxes	5% cash back offers On utility bill 4% cashback on food delivery and cabs 2% cash back on another spending	No rewards points	No duplicate statement fee No outstation cheque fee Free mobile alert transaction charges No balanced inquiry charges	Joining fees and annual fees is to be paid
American Express SmartEarn Credit Card	Rs 495	Rs 495 (waived off when spending Rs 40,000 or more)	Complimentary annual membership at various brands Milestone benefits 12 complimentary airport access	10X Rewards points on every Rs 50 spent on Flipkart, Amazon, and Uber	Easy EMI conversion Flexibility provides to pay the credit bill Contactless payment	Joining fees and annual fees is to be paid
Bajaj Finserv Insta EMI Credit Card	Rs 117+ GST	Rs 412	Enjoy purchase capacity of up to Rs 4 lakh EMI network access at 2900 cities Up to 2 lakh loan pre-approved	Rs 500 cashback on the activation	No cost EMI Flexible time for loan repayment Zero foreclosure charges 100% digital process	--

Best Credit Card For Online Shopping

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
Flipkart Axis Bank Credit Card	Rs 500 (from 2nd year)	Rs 500	Welcome benefits Unlimited Cashback Complimentary airport lounge access Fuel Surcharge Waiver	5% cashback on Flipkart and myntra 1.5% cashback on all categories	No add on card fees No duplicate statements and outstanding cheque fee	--
Amazon Pay ICICI Credit Card	Nil	Nil	Cash back offers 15% discount at partner restaurants of ICICI Bank Fuel surcharge waive	Earn 3% cashback on your spending on Amazon India	Lifetime free credit card	--
American Express SmartEarn Credit Card	Rs 495	Rs 495 (waived off when spending Rs 40,000 or more)	Complimentary annual membership at various brands Milestone benefits 12 complimentary airport access	10X Rewards points on every Rs 50 spent on Flipkart, Amazon, and Uber	Easy EMI conversion Flexibility provide to pay the credit bill Contactless payment	Joining fees and annual fees is to be paid
IDFC First Millennia Credit Card	Nil	Nil	Unlimited rewards points that never expire	10X Reward points on incremental spends per month above Rs 20,000	Easy EMI conversion No annual fee	--
SBI SimplyCLICK Credit Card	Rs 499 + Taxes	Rs 499 + Taxes	eshopping rewards on shopping E-voucher receives Rs 2000 on 1 lakh or 2 lakh spends	10 rewards points per Rs 100 on online purchases	Flexipay No add fee Global accepted	--

Best Credit Card for Fuel

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
BPCL SBI Card Octane	Rs 1499	Rs 1499	6.25% +1% fuel surcharge waiver on every transaction up to Rs 4000	25 Reward points for every Rs 100 spent on BPCL Fuel	Flexipay No add fee Global accepted	--
ICICI HPCL Super Saver Credit Card	Rs 500	Rs 500	4% cashback on fuel	1.5% back in rewards points on fuel spending	24*7 road assistance Taxi services up to 50 km in case of accidents	Supplementary card fee to pay Rs 100
IndianOil Axis Bank Credit Card	Rs 500	Rs 500	100% cashback on fuel transaction 4% value back on fuel transaction 1% on fuel surcharge waiver for Rs 200 to Rs 5000	1 Edge reward point on each 100 spending	No add-on card fee No outstation cheque fee	--
HDFC Bharat Cashback Credit Card	Rs 500	Rs 500	5% cashback on fuel expenses 1% on fuel surcharge waiver for Rs 400	Nil	Interest free credit Safety	--
ICICI Bank HPCL Platinum Credit Card	Nil (second year onwards Rs 199+ GST)	Rs 199+ GST	1% on fuel surcharge waiver	2 Reward points on every Rs 100 spent on retail purchases, not fuel	No add card fees	--

Best Credit Card for Dining

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
HDFC Regalia	Rs 2500	Rs 2500	complimentary Dining membership 25% at 2000+ premium restaurants	1 point = Rs 0.50	Zero lost card liability Contactless payment	--
SBI Card Prime	Rs 2999	Rs 2999	A gift voucher from pizza hut worth Rs 1000 on the spending of Rs 50,000	20 rewards points on spend of Rs 100 on a birthday	Annual fee waive spending of Rs 3 lakh	--
Kotak Delight Platinum Credit Card	Rs 299	Rs 1999	10% cash back on dining	--	Get the same benefits on the add-on card as the primary card	--
Axis My Zone Credit Card	Nil Rs 500 (2nd year onwards)	Rs 500	20% off with a partner restaurant 40% off on swiggy	4 EDGE points on each Rs 200 spent	EMI conversion	--
ICICI Bank Rubyx Credit Card	Rs 2000 (waived off on spending of Rs 3 Lakh)	Rs 3000	30% off on zomato order 50% off on zomato gold membership 20% off on orders of Rs 500 or more on swiggy 20% off on culinary treats, Sunday brunches	4 payback points on every 100 spent	Save 15% on dining bills at a partner restaurant	--

Best Credit Card for Entertainment

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
Axis My Zone Credit Card	Nil, Rs 500 (2nd year onwards)	Rs 500	25% cashback on movie tickets	4 EDGE points on each Rs 200 spent	EMI conversion	--
Kotak PVR Gold Credit Card	Rs 499	Nil	1 free ticket of PVR at spending Rs 10,000 2 free tickets of PVR at spending Rs 15,000	5% cashback on a movie ticket at PVR	Free movie ticket after achieving the milestone	--
SBI Card Prime	Rs 2999	Rs 2999	Welcome e-gift voucher worth Rs 3000	10 rewards points for spending of Rs 100 on movie tickets	Annual fee waive spending of Rs 3 lakh	--
IndusInd Bank Platinum Select Credit Card of life	Rs 200	Rs 999	Buy one ticket, get another free Offer is given on all theaters registered with BookMyShow across the cities Card the holder can avail of upto 1 free movie discount in a month	1 reward point for every Rs 150 spent	Add on credit card fee NIL	--
HDFC Titanium Times Credit Card	Rs 500	Rs 500	25% off on movie tickets with BookMyShow Get annual subscription of Times Prime membership and enjoy subscroptions on Gaana Plus, Zee5, TOI+, and many more	2 reward points on every Rs 150 retails spend	Easy EMI conversion	--

Best Credit Cards for Cashback

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
Cashback SBI Card	Rs 999	Nil	5% cashback on all online expenses 1% cashback on all other spending	--	Zero joining fees	--
HSBC Cashback Credit Card	Rs 750	Nil	5% cashback on all online expenses 1% cashback on all other spending	--	Cashback on instant EMI	--
HDFC Millennia credit card	Rs 1000 + Taxes	Rs 1000 + Taxes	5% cashback on Amazon, flipkart, BookMYShow, Myntra, Swiggy and others 1% cashback on offline spends	--	Interest free credit Zero lost card liability Contactless Payment	--
Axis Bank ACE Credit card	Second year onwards RS 499 If you spend more than 2,00,000 in year then fees is waived	Rs 499 + Taxes	5% cashback on bill pay and recharge with Google pay 2% cashback on all other spending 4% on Ola, Swiggy and Zomato	No rewards points	No duplicate statement fee No outstation cheque fee Free mobile alert transaction charges No balanced inquiry charges	Joining fees and annual fees is to be paid
Amazon Pay ICICI Credit Card	Nil	Nil	5% cashback on Amazon for Prime Customers 3% cashback on Amazon for Non- Prime Customers 2% cashback on 100+ partner merchants 1% cashback on other transaction	1 rewards points = 1 Rs	No joining and annual fees	--

Best Credit Cards for Grocery

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
Amazon Pay ICICI Credit Card	Nil	Nil	5% cashback on Amazon for Prime Customers 3% cashback on Amazon for Non- Prime Customers 1% cashback on other transaction	1 rewards points = 1 Rs	No joining and annual fees	--
Flipkart Axis Bank Credit Card	Rs 500 (from 2nd year)	Rs 500	5% cashback on flipkart 5% cashback on all categories	--	No add on card fees No duplicate statement and outstanding cheque fee	--
YES Prosperity Credit Card	Rs 399 + Taxes	Rs 399 + Taxes	5% cashback on grocery items	2 rewards point on each Rs 200 spend	Instant EMI Card Protection Plan	--
Axis Bank Select Credit Card	Rs 3000	Nil	Get 40% discount on swiggy Get 20% off up to Rs 500 every month where expenses is Rs 2000 on BigBasket	10 EDGE rewards points on each Rs 200 spent	No joining fees	--
American Express SmartEarn credit Card	Rs 495	Rs 495 (waived off when spend Rs 40,000 or more)	5X Rewards points on paytm wallet, wiggy, grofers and Big Bazaar	5X Rewards points on paytm wallet, wiggy, grofers and Big Bazaar	Easy EMI conversion Flexibility provide to pay credit bill Contactless payment	Joining fees and annual fees is to be paid

Best Credit Cards for International Use

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
SBI Elite Credit Card	Rs 4999	Rs 4999	6 Complimentary internationalal airport lounge Complimentary membership of Trident Privilege, Trident Red Tier and Club Vistara	2 Rewards point on Each Rs 100 spent on international transactions Milestone rewards benefits	Low markup fees of 1.99%	--
IDFC First Wealth Credit Card	Nil	Nil	4 Complimentary for domestic and international airport access Lifetime free credit Card Accident cover of Rs 1 crore	10X Rewards point on all spend above Rs 20,000	Low markup fees of 1.5% Interest-free cash withdraw	--
HDFC Diners Club Privilege Credit Card	Rs 2500	Rs 2500	12 Complimentary visits per year to 1000+ airport lounge access Travel benefits	4 Rewards points on each Rs 150 spent	Low markup fees of 2%	--
ICICI Bank Emeralde Credit Card	Rs 12000 + GST	Rs 12000 + GST	Unlimited Complimentary International Lounge Access Air Accident Coverage	4 Rewards points on each Rs 100 spent	Low markup fees of 1.5%	--
Axis Bank Magnus Credit Card	Rs 10,000 + GST	Rs 10,000 + GST	Complimentary Air Travel Airport concierge services Global Travel and Medical Assistance	12 EDGE Rewards points for each Rs 200 spent	Low markup fees of 2%	--

Best Entry- Level Credit Cards

Card	Annual fees	Joining fees	Benefits	Rewards	Pros	Cons
Axis Bank ACE Credit card	Second year onwards RS 499 If you spend more than 2,00,000 in a year then fees are waived	Rs 499 + Taxes	Fuel surcharge waiver Unlimited cashback offers Lounge access Dining delights	No rewards point	No duplicate statement fee No outstation cheque fee Free mobile alert transaction charges No balanced inquiry charges	Joining fees is to be paid Annual fees need to pay from 2nd year
SBI SimplyCLICK Credit Card	Rs 499 + Taxes	Rs 499 + Taxes	e-shopping rewards on shopping 1% fuel surcharge waiver for transactions worth Rs 500 to Rs 3000	10 rewards points per Rs 100 on online purchases	Flexipay No add-on fee Global accepted	--
HSBC Cashback Credit Card	Rs 750	Nil	Cashback offers Welcome voucher 15% discount at over 1000 restaurants	--	Cashback on instant EMI	--
Flipkart Axis Bank Credit Card	Rs 500 (from 2nd year)	Rs 500	Welcome benefits Cashback offers 4 complimentary domestic lounges	--	No add-on card fees No duplicate statement and outstanding cheque fee	--
YES Prosperity Credit Card	Rs 399 + Taxes	Rs 399 + Taxes	5% cash back on grocery items 12000 bonus rewards point when you spend Rs 3.6 lakh in a year 1% fuel surcharge waiver on every fuel stations	2 rewards point on each Rs 200 spent	Instant EMI Card Protection Plan	--

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Best AU Bank Credit Cards

Top Credit Card Categories

Compare Best In-Class Credit Cards

Most Popular Credit Cards

Credit Card Issuers

How to Compare Credit Cards?

How to Choose the Right Credit Card for You?

Features to Look for while Comparing Credit Cards

Eligibility Criteria for Credit Card

Documents Required for Credit Card

Common Fees & Charges Related to Credit Card

Best Lifetime Free Credit cards

Best Zero Annual Fee Credit Cards

Best Rewards Credit Cards

Best Airline Credit Cards

Best credit card for airport Lounge Access

Best Credit Card For Travel

Best Credit card for Shopping

Best Credit Card For Online Shopping

Best Credit Card for Fuel

Best Credit Card for Dining

Best Credit Card for Entertainment

Best Credit Cards for Cashback

Best Credit Cards for Grocery

Best Credit Cards for International Use

Best Entry- Level Credit Cards

FAQs

1. What is a credit Card?

2. How many credit cards can I apply for?

3. What is a credit card limit?

4. Which type of credit card is best in India?

5. What are some of the differences between credit cards?

6. Which credit card feature is most important?

7. How do Credit Cards work?

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