Types of Credit Cards - Yoindi

Types of Credit Cards

Are you looking for a credit card? But due to various options available facing issues in choosing a credit card. Here, I will provide detailed information regarding the type of credit card. You can also get all the details in YoIndi, which provides information on credit cards and offers the facility to apply for the same card.

Lifetime Free Credit Cards

A lifetime free credit card is a card where the user is not charged the annual fee forever. Also, the joining fees are not taken. But there are charges for extra services.

Benefits of Lifetime Free Credit Cards

  • The interest rate charges on lifetime-free credit cards are low.
  • You can earn rewards points or cashback on dining, shopping, and online transactions.
  • The lifetime free credit cards provide a fuel surcharge waiver for a certain limit.
  • No annual fees or joining fees on lifetime free credit cards.

5 best Lifetime Free Credit Cards

Card Name Benefits
HSBC Visa Platinum Credit Card
  • 3 Complimentary airport lounge access and 3 railway lounge access
  • Free vouchers
  • You will get insurance upto Rs 3 lakh on the card fraud
  • 5X Rewards on each purchase after spending Rs 4 lakh in a year
IDFC First, select credit card
  • 4 Complimentary airport lounge access
  • 4 Complimentary railway lounge access
  • 10X Rewards points on spending more than Rs 25000
  • 6x and 3x rewards points for online and offline spending upto Rs 25,000
  • Air accident cover of Rs 1 crore
  • Personal accident cover of Rs 5 lakh
Bank of Baroda Prime Credit Card
  • Upto 2 Rewards points on each spending of Rs 100
  • No joining fees or annual charges
  • Easy EMI options
  • Fuel surcharge waiver
ICICI Bank Platinum Chip Credit Card
  • 1% Fuel surcharge waiver
  • Redeem your rewards against vouchers
  • 2 rewards points per Rs 100 across all other categories except fuel
Axis Bank My Zone Credit Card
  • 40% discount on swiggy orders
  • Option to convert purchases above Rs 2500
  • 100% discount on booking second movie tickets on Paytm movies

Zero Annual Fee Credit Cards

Zero annual fee credit cards mean the card without annual fees or charges. It helps customers to reduce the overall cost of owning a credit card.

Benefits

  • It is an affordable credit card.
  • You can welcome bonuses such as reward points, cashback offers, and complimentary premium subscriptions to any platform or anything.
  • There is a 1% fuel surcharge waiver for all fuel transactions.
  • Airport lounge Access
  • Zero liability protection against lost card

5 Best Zero Annual Fee Credit Cards

Card Name Benefits
SBI Card Unnati
  • 1 rewards points per Rs 100
  • 1% fuel surcharge waiver
  • Spend Rs 50,000 per year and get a cashback of Rs 500
  • Redeem Reward points against a wide variety of gifts
ICICI Bank Platinum Chip Card- Visa
  • 1% fuel surcharge waiver at HPCL pumps for fuel transactions upto Rs 4000
  • Redeem your rewards points
  • Earn 2 rewards points for every Rs 100 spent
  • Avail a minimum of 15% savings at over 800 restaurants
  • You get the safety of contactless cards
IndusInd Bank Platinum Card
  • 1% fuel surcharge waiver at all petrol pumps
  • You have the option Redeem Rewards Points
  • Travel benefits
  • Complimentary priority passes membership that provides access to more than 700 airport lounges
Kotak League Platinum Credit Card
  • 8X Rewards point on every Rs 150 spent
  • Fuel Surcharge Waiver
  • Easy Reward Redemption
  • Protection cover for card
  • Rs 500 movie voucher as joining gifts
Axis Insta Easy Credit Card
  • 1% fuel surcharge waiver
  • 15% off on dining bills at select restaurants
  • 100% credit limited allowed for cash withdrawals
  • You can Redeem Rewards point on 500 product listings

Rewards credit cards where there is a reward point on spending and redemption options. With the help of rewards points, you can save hard-earned money and provide the best credit card experience.

Benefits of Rewards Credit Cards

  • You can earn rewards points on most transactions done with the credit cards.
  • You can earn accelerated rewards points on the credit card.
  • You receive a milestone reward when you achieve the milestones with credit card transactions.
Card Name Benefits
SimplyCLICK SBI Credit Card
  • 10X Rewards points on online spending with exclusive Amazon, BookMyShow, and other places
  • 1% fuel surcharge waiver
  • Amazon gift card worth Rs 500 on joining as a welcome benefit
BPCL SBI Credit Card
  • 13X Rewards points on fuel purchases at BPCL petrol pumps
  • Rewards you received other than fuel purchase
  • Maximum 1300 reward points per billing cycle
American Express SmartEarn Credit Card
  • 10X Rewards points on the transaction with Flipkart, Amazon, and uber
  • 1 reward point of membership for every Rs 50 spent
  • Easy EMI conversion
HSBC Smart Value Credit Card
  • 1 reward point for every Rs 100 spent
  • 3X Rewards points online, telecom, and dining spend
  • Voucher worth Rs 2000 from the clear trip and a voucher worth Rs 250 from amazon
HDFC Freedom Credit Card
  • 1 reward point for every Rs 150 spent
  • You can redeem cashback and gifts from the HDFC rewards catalog
  • Gift vouchers worth Rs 1000 on yearly spends at least Rs 90,000

Airline credit cards provide you benefits when you book tickets using the card. You get the benefits of airport lounge access and discounts on hotel bookings and dining bills with airline credit cards.

Benefits of Airline Credit Cards

  • Fuel surcharge waiver
  • Access to complimentary airport lounge
  • You earn accelerated miles at a few transactions
  • You get bonus miles as a welcome gift
  • When you do a transaction, you earn air miles. You use these air miles you can redeem for buying domestic and international tickets
Card Name Benefits
Air India SBI Signature Credit Card
  • Welcome Bonus of 20,000 Reward points
  • You get complimentary membership to the Air India Frequent Flyer program
  • 8 complimentary visits per year to domestic lounges
  • 1 reward point is equal to 1 Air India Air Mile
  • When you book tickets through the Air India website or mobile app, you get upto 30 reward points
Kotak IndiGo Ka-ching 6E Rewards XL Credit Card
  • 8 domestic airport lounge
  • 6E Prime add-ons worth Rs 899
  • Ou gets a complimentary flight ticket worth up to Rs 3000
Axis Bank Vistara Infinite Credit Card
  • Complimentary club Vistara membership
  • 4 Complimentary business class tickets and bonus CV points on achieving milestone spends
  • Air Accidents cover upto Rs 2.5 crore
Etihad Guest SBI Premier Credit Card
  • You get a welcome gift of 5000 Etihad Guest Miles
  • 8 complimentary visits per year to domestic lounges
  • 4 complimentary visits per year to international airport lounges
  • 6 Etihad guest miles on every spent of Rs 100
Club Vistara SBI Prime Credit Card
  • 4 complimentary visits per year to international lounges
  • When you pay to join fees, you receive 1 complimentary Vistara premium economy class ticket
  • 8 complimentary visits per year to domestic lounges
  • You received 1 premium economy ticket on annual spends of Rs 1.5 lakh

Airport lounge cards are good for people who are frequently traveling. The card gives benefits such as complimentary access to priority pass membership for the airport lounge.

Benefits of Airport Lounge Access

  • You can earn an air miles bonus on booking tickets using the cards
  • You will get an interest-free credit period
  • You get discounts and savings on flight tickets
  • You earn waivers on flight tickets
  • You get access to thousands of domestic and international airports
Card Name Benefits
HDFC Business Regalia Credit Card
  • Access to more than 1000 airport lounge
  • You get the facilities in the lounge of phones, internet access, refreshments, and conference rooms
Yatra SBI Credit Card
  • 2 complimentary lounge access at domestic airports per quarter
  • You have access to exclusive domestic MasterCard airport lounges in India
Axis Bank Privilege Credit Card
  • You can receive complimentary access to select MasterCard lounges twice in the year
  • Complimentary insurance cover of Rs 2.55 crores
IndusInd Bank Indulge Credit Card
  • Access to more than 600 lounge access
  • You get 2 complimentary lounge visits per quarter to select an international lounge
ICICI Bank Emerald Credit Card
  • Unlimited complimentary access to the domestic and international airport lounge access
  • You receive complimentary spa access at selected domestic airports

A travel credit card rewards customers in points or miles that can be used for travel-related purchases.

Benefits

  • You receive complimentary Airport lounge access.
  • With the help of a travel credit card, you receive insurance coverage that protects the cardholder from unforeseen expenses.
  • There is zero liability on a lost card.
  • The annual fee is zero.
  • You receive the rewards points or air miles as welcome gifts.
Card Name Benefits
HDFC Bank Diners Club Privilege
  • Complimentary annual membership of MMT Black
  • 5X Rewards points on SmartBUY spends
  • Redeem rewards points for Airmiles
  • 12 complimentary airport lounge access
MakeMyTrip ICICI Bank Signature
  • 1 international airport lounge access under Dreamfolks membership
  • You get 2 complimentary lounge visits per quarter on spending Rs 5000 in the previous quarter
  • 1 complimentary railway lounge access
  • You receive complimentary MMT black Exclusive membership
IRCTC SBI Card Premier
  • 2500 rewards point you get after reaching the milestone of Rs 50,000 on travel
  • 5000 rewards point you get after reaching the milestone of Rs 50,000 on travel
  • 8 railway lounge access in a year
  • You get Complimentary rail accident insurance of Rs 10 lakh
  • You get Complimentary air accident insurance of Rs 50 lakh
American Express Platinum Travel credit card
  • You can redeem 25,000 points for Flipkart/Travel vouchers worth Rs 7500 on spending Rs 4 lakh in a year
  • You can redeem 15,000 points for Flipkart/Travel vouchers worth Rs 4500 on spending Rs 1.9 lakh in a year
  • You get 10,000 reward points as a welcome gift worth Rs 3000 for online Amex travel options
Axis Bank Vistara Signature Credit Card
  • You receive air accident insurance coverage of upto Rs 2.5 crores
  • You receive a complimentary club Vistara silver membership and free economy travel as a welcome gift
  • You will receive premium complimentary airport lounges

A shopping credit card gives benefits to people who have a habit of frequent purchases.

Benefits

  • You can save big on deals with rewards and cashback
  • Zero interest period
  • You can convert purchases into EMI
  • The transaction using a shopping card provides you protection from fraudulent transactions and defective products
  • You can buy the product internationally from the USA, Europe, etc.
Card Name Benefits
Axis Bank ACE Credit card
  • 5% cash back offers On utility bill
  • 4% cashback on food delivery and cabs
  • 2% cash back on another spending
HDFC Millennia Credit Card
  • Rs 1000 received on spending at least 1 lakh
  • 5% cashback on shopping at amazon and Flipkart and shopping on PayZapp and SmartBuy
  • 2.5% cash back on all purchases
Kotak Bank Delight Platinum Credit Card
  • You will earn 10% cash back on movie and dining transactions. The cashback is availed with a spending minimum of Rs 10,000 on categories other than dining and entertainment.
HSBC Cashback Credit Card
  • You received a 15% discount offered at the restaurants
  • 1.5% cashback on all online spending
  • 1% cash back on all other spending
  • You can earn cashback on Instant EMI
Pulse SBI Credit Card
  • 10X Rewards points on every Rs 100 spent
  • You can enjoy one-year free FITPASS PRO and free Netmeds memberships
  • When you spend Rs 4 lakh in a year, you earn a Rs 1500 voucher

You make secure payments when buying products or services online with a credit card. Also, you can easily convert purchases into EMI.

Benefits

  • You can save big on deals with rewards and cashback.
  • You can convert purchases into EMI.
  • The transaction using a shopping card provides you protection from fraudulent transactions and defective products.
  • You can buy the product internationally from the USA, Europe, etc.
Card Name Benefits
Amazon Prime Rewards Visa Signature Card
  • You can earn 5% cashback on amazon, 2% cashback on restaurant gas stations and drugstores, and 1 % on other purchases.
  • No foreign Transaction fees.
Axis Bank Buzz Credit Card
  • When you spend Rs 25,000, Rs 50,000, and Rs 1 lakh on Flipkart, you receive vouchers for Rs 500, Rs 1000, and Rs 2500.
  • You can convert the purchase into EMI.
HDFC MoneyBack Credit Card
  • You can convert rewards into cashback.
  • 2X rewards points per Rs 150 online shopping.
ICICI Amazon Pay Credit Card
  • 5% cashback on amazon for prime customer.
  • 2% cashback on buying products from amazon partner merchants.
  • You received a 15% discount offered at the restaurants with which ICICI Bank has partnered.
  • Non-prime members get 3% cashback while purchasing things on the websites.
Flipkart Axis Bank Credit Card
  • 5% cashback on Flipkart and myntra shopping.
  • 4% cash back on travel and movie.

A fuel credit card gives benefits to the customer on the Fuel purchase. This card is good for people purchasing fuel frequently as it lowers the expenditure.

Benefits

  • Get rewards points and cashback
  • Dining offers
  • Eligible for surcharge waiver
  • Annual fees are waived
  • Concierge services
  • You can make utility bill payments
Card Name Benefits
BPCL SBI Credit Card
  • 1% surcharge waiver on fuel transactions upto Rs 4000.
HDFC Bharat Cashback Credit Card
  • 5% cashback on fuel transactions.
  • 1% surcharge waiver on fuel transactions upto Rs 400 to Rs 5000.
QIndianOil HDFC Bank Credit Card
  • 5% of your fuel transactions at any IndianOil.
  • 5% of all bill payments will become fuel points
ICICI Bank HPCL Super Saver Credit Card
  • 5% of your fuel transactions at any HPCL.
IndianOil Axis Bank Credit Card
  • 4% value back on your fuel expenses.

If you are a person who is fond of food, then a dining credit card is for you. It provides you with discounts, offers, and freebies at partner restaurants and food outlets nationwide.

Benefits

  • You can get a 5% - 40% discount on your bill
  • Benefits of having complimentary drinks, appetizers, and drinks
  • You can get rewards and cashback on dining credit card
Card Name Benefits
HDFC Infinia Credit Card
  • Complimentary membership
  • 25% flat on premium restaurants
Axis My Zone Credit Card Upto 20% off on Dining at partner restaurants
HDFC Diners Club Privilege Credit Card Complimentary zomato pro membership
SBI Card prime 10 reward points on every spent Rs 100 on dining
Kotak Delight Platinum credit card 10% cash back on dining

If you are a movie lover, an entertainment credit card is right. You get benefits in the form of rewards points which you can redeem later.

Benefits

  • You received rewards on ticket transactions, movie shows, plays, and sports
  • The benefits of cashback
Card Name Benefits
Axis Bank Neo Credit Card You will get 10% off on BookMyShow
SBI Signature Contactless Credit Card You can receive 500 off every month on movie tickets. Also, you can make available 2 tickets at Rs 250
Kotak PVR Gold Credit Card Free PVR movie tickets on achieving spending milestone
ICICI Rubyx Credit Card 25% discount upto Rs 150 on movie tickets on BookMyShow anand Inox two times per month on each
Axis Bank Magnus Credit Card Buy 1 get 1 free offer on movie tickets on BookMyShow 5 times per month

Cashback credit cards allow you to earn cash from your money by paying the back percentage of your spending.

Benefits

  • The money you spend gets the real value back.
  • You get extra cashback on select spend categories.
Card Name Benefits
Cash Back SBI Card
  • 5% cashback on online spends
  • 1% cash back on offline transactions and utility bill payment
Axis Bank ACE Credit Card
  • 5% cashback on bill payments and recharge with google pay
  • 4% on Swiggy, zomato, and ola
  • 2% cashback on all other spends
Flipkart Axis Bank Credit Card
  • 5% cashback on Flipkart and myntra
  • 4% cashback on shopping with preferred merchants
  • 1.5% cash back at all other categories
Amazon Pay ICICI Credit Card
  • 5% cashback on Amazon for prime customers
  • 3% cashback on amazon for nonprime customers
  • 2% cashback on 100+ partner merchants
  • 1% cash back on all other transactions
Paytm SBI Select Credit Card
  • 5% cashback on Paytm Mall, Travel, and Movies
  • 2% cash back on other purchases
  • 1% cash back on other spends on online and offline stores

Grocery is a necessity in everyone's life, but some items in groceries are luxuries as well. Grocery is a daily need item, so you need to decrease your expenses, where a grocery credit card is helpful.

Benefits

  • You earn cashback on grocery items
  • Customers can get 50% more rewards points when they spend on grocery purchases
Card Name Benefits
Amazon Pay ICICI Credit Card
  • You earn 5% cashback as a prime user
  • You earn 3% cash back as a non-prime user
Flipkart Axis Bank Credit Card
  • 5% cashback on Flipkart
  • 4% on other partner websites
  • 1.5% cashback on all other spends
YES Prosperity Cashback Credit Card 5% cashback on grocery shopping
HDFC Bank Solitaire Credit Card
  • 50% more rewards points customers can avail spend on grocery
  • 2880 rewards points in a year on grocery
Axis Bank Select Credit Card 20% off on BigBasket

With an international credit card, you can make transactions across the globe. Also, traveling has become affordable by the day.

Benefits

  • Transaction seamlessly in overseas
  • You can withdraw cash at any ATM abroad
  • Earn accelerated rewards points when you spend overseas
  • You can stay at a luxurious hotel at a discount rate
  • Airport lounge access
Card Name Benefits
SBI Elite Credit Card
  • Low foreign currency markup fee of 1.99%
  • Complimentary priority membership
IDFC First Wealth Credit Card
  • Low foreign currency markup fee of 1.5%
  • 4 complimentary international and domestic airport lounges
InterMiles HDFC Bank Signature Credit Card
  • complimentary international and domestic airport lounges
  • Complimentary intermiles silver membership and 8000 intermiles at the time of joining
HDFC Bank INFINIA Credit Card Metal Edition
  • Foreign currency markup fee 2%
  • Air accident cover Rs 3 crores
Bank of Baroda Eterna Credit Card
  • Foreign currency markup fee 2%
  • Air accident cover Rs 1 crore

An entry-level credit card is given to a customer who has started his earning journey so they can buy things on credit.

Benefits

  • You can build a good credit score
  • Receive cashback on transactions and rewards points
Card Name Benefits
Axis Ace Credit Card
  • Google pay, swiggy, zomato, Ola, BigBasket, and Grofers you can use this card
  • 2% cashback on all transactions
HSBC Visa Platinum Card
  • No joining fees and no annual fees
  • You will get a rewards point for every Rs 150 spent on the card
YES Prosperity Rewards Plus
  • You can earn extra rewards on groceries, and supermarket spends
  • You earn 4 points on every Rs 200 spent
Cashback SBI Card
  • 5% cashback online spends
  • 1% cash back on other expenses
  • 1% fuel surcharge waiver across all petrol pumps In India
SBI SimplyClick Credit Card
  • 5% rewards across all online shopping
  • You will get a rewards point for every Rs 100 spent on the card

Women love shopping, so credit cards cater to women's needs. The need is related to shopping, traveling, dining, etc.

Benefits

  • You earn rewards points on shopping, traveling, and other expenses
  • Women earn vouchers for popular brands
  • Low annual fee card
Card Name Benefits
HDFC Solitaire Credit Card
  • Rewards on dining and grocery purchases
  • Shopping vouchers of Rs 1000 when you spend Rs 75,000 every 6 months
  • Women get offer vouchers on popular brands such as shoppers stop, lifestyle, westside, and more
American Express SmartEarn Credit Card
  • Low annual fee card
  • You receive membership rewards points on the transactions
  • You get vouchers of Rs 500 each on achieving spending milestones of Rs 1.2 lakh and 2.40 lakh, respectively
HDFC Regalia Credit Card
  • 4 rewards points on retail spend
  • Low forex markup fee
  • Complimentary lounge access
  • You get a Pass membership
SBI Prime Credit Card
  • 10 rewards points on Rs 100 spent
  • Club Vistara membership and complimentary trident privilege Red Tier
  • You can save money on travel with the help of this card
Axis My Zone Credit Card
  • You can save money on swiggy, Ajio, and Paytm movies
  • Complimentary lounge access
  • Free SonyLiv annual subscription
  • You earn rewards points on every purchase

The contactless Credit Cards come without magnetic Tape. It has technology-embedded chips that allow you to make payments over a secure radio interface. You can make payments without swiping your credit card or entering the security PIN.

Benefits

  • It reduces contact with Public Surfaces
  • The chip will last for years
  • It is a good card for Overseas Travel
  • It is the safest form of payment
Card Name Benefits
HDFC Regalia Credit Card
  • When your expense reaches Rs 6 lakh, you get 2500 reward points
  • When your expense reaches Rs 6 lakh, you get 5000 reward points
  • 1% fuel surcharge waiver
  • 3 free lounges outside india
  • 4 Rewards points for every Rs 150 that you spend
SBI Signature Contactless Card
  • When your expense reach Rs 3 lakh or more, you get 10,000 bonus points
  • Rs 500 discount every month through BookMyShow
  • 5X Rewards point on dining and grocery spending
  • Access to over 600 airport lounges in the world
Kotak Royale Signature Credit Card
  • Rewards point for every Rs 150 that you spend
  • Airport lounge access
  • You can apply for add a card
  • Fuel surcharge waiver the transaction between Rs 500 to Rs 3000
IndusInd Bank Signature Legend Credit Card
  • Rewards point for every Rs 100 that you spend on a weekend
  • When your expense reach Rs 6 lakh or more, you get 4,000 bonus points
  • Get a 50% discount at partner restaurants
YES First Preferred Credit Card
  • When your expense reach Rs 7.5 lakh or more, you get 20,000 bonus points
  • 8 Rewards points for every Rs 200 that you spend
  • Complimentary priority pass membership and MasterCard lounge Program
  • Avail life insurance cover of Rs 1 crore for air accidents

When a bank is associated with another party, a retail partner, a travel website, a sports league, or a premium hotel chain, it is a Co-branded credit card. Both parties sponsor it, so you benefit from both.

Benefits

  • It is accepted worldwide, so you shop anywhere.
  • Some co-branded credit cards allow you to redeem points during flight or hotel booking, where you can save money while traveling.
  • Some co-branded offer you an excellent discount on dining and entertainment bills.
  • At some co-branded credit cards, you get the benefits of not having an Equated Monthly Installment.
Card Name Benefits
Yatra SBI Credit Card
  • Once you have paid to join fees, you get travel vouchers from Yatra.com for a value of Rs 8250
  • 6X Rewards point
  • Complimentary lounge access
  • Add on card features
Axis Bank Miles and More Credit Cards
  • When you spend Rs 200, you earn 4 miles
  • You can redeem miles for flight bookings, car rentals, hotel bookings, shopping, class upgrades, and other exciting gifts
  • Lost card liability cover
  • Travel benefits
  • EMI Conversion facility
Tata Neu HDFC Credit Card
  • 4 complimentary domestic lounge access
  • You get 50 days interest-free period
  • 1% fuel surcharge waiver
Amazon ICICI Credit Card
  • Lifetime free credit card
  • 1% fuel surcharge waiver
  • 5% cashback on Amazon prime membership
  • 3% cashback on Amazon prime membership
Air India SBI Platinum Credit Card
  • Welcome bonus of 5000 rewards
  • Complimentary domestic lounge access
  • 1% fuel surcharge waiver

A business credit card is a card that helps in the smooth running of the business. Also, it takes care of employees spending and monitors expenses.

Benefits

  • The transactions are secured, as there is no risk of losing cash.
  • The card is beneficial for both employer and employee.
  • You can easily track your expenses with the credit card.
  • You earn rewards points, discounts, and cashback on business credit card.
  • The business person can make multiple payments in one go.
  • It is useful in traveling, entertainment, utilities, repair and maintenance, business operation, etc.
Card Name Benefits
SBI Platinum Corporate Credit Card
  • It is accepted in over 24 million outlets across the world
  • The interest-free period is 20-50 days
  • Daily, weekly, and monthly limits you can set on the card
HDFC Business MoneyBack Credit Card
  • Domestic lounge access
  • 3 times you can earn rewards on air, travel, hotel booking, dining, and e-commerce spends
  • Airport lounge access across India
  • Rewards points earned on Air Miles
Kotak Corporate Credit Card
  • 2.5% fuel surcharge waiver across all petrol pumps
  • Credit limit assigned to the employees to control spending
  • The purchases made through a credit card are insured for a period of 6 months
IndusInd Bank Corporate Card
  • 1% fuel surcharge waiver
  • Integration to ERP
  • You can monitor your spending here
SBI Platinum Corporate Credit Card
  • EMV cards
  • 24/7 services
  • Complimentary insurance
  • It is globally accepted

It is the most popular credit card in India. The card helps enhance lifestyle choices concerning food, dining, shopping, etc.

Benefits

  • You can save money on traveling with the help of a credit card.
  • With the help of a card, you get exclusive benefits on foods.
  • Complimentary access to airport lounge access.
  • It provides health and wellness-related benefits.
  • You save money on fuel.
  • Get an offer on movie tickets.
  • Benefits of concierge services.
  • You get insurance covers such as air accident death, emergency hospitalization abroad, loss of card, loss of check-in baggage, and loss of travel documents.
Card Name Benefits
Kotak Bank PVR Platinum Credit Card
  • You can shop across the country
  • You can enjoy PVR Shield free insurance coverage to protect cardholders in case of loss or theft of a card
  • Rs 75,000 that is insured on both primary and supplementary cards
  • When you spend Rs 7500, you get 2 PVR movie tickets at no additional cost
JetPrivilege HDFC Bank Diners Club Credit Card
  • The cardholder will receive welcome gifts within the first 3 months of receiving the card.
  • You can upgrade your membership tier and maintain it here.
Axis Bank Vistara Signature Credit Card
  • Domestic lounge access
  • Silver membership of Club Vistara
  • 15% discount at the restaurant, which is tied with Axis Bank Dining Delights
  • Air Accident cover of Rs 2.5 crores
HDFC Diners Premium Credit Card
  • Rs 3 lakh in a year, the annual fee for the next year is waived off
  • 6 complimentary lounge visits in a year at airports in India and abroad
  • The concierge services are available 24/7
ICICI Bank Coral Credit Card
  • You can get 2 free movie tickets booking through bookmyshow.com
  • 15% dining bill at over 2500 restaurants across 12 major cities
  • You can get add-on cards
  • You can get a replacement card from anywhere in the world

The student credit card is for students 18 years old or college students. The card has a low-interest rate and is valid for five years.

Benefits

  • There are no joining fees or annual fees.
  • It helps you to build a good credit score before graduation.
  • It offers cashback and discounts to help you save a lot of money.
  • You can use the student credit card at various places such as online courses, refill fuel, make book purchases, etc.
Card Name Benefits
HDFC Bank ForexPlus Credit Card
  • Protection of upto Rs 5 lakh against card misuse
  • You can easily available cash at local currency
  • You can track expenses with Prepaid Net Banking services
  • It is global recognition
  • The transaction is safe from this card
ICICI Bank Student Forex Prepaid Card
  • Card protection plus insurance worth Rs 1600
  • Croma Shopping Voucher
  • Lost card liability coverage up to Rs 5 lakh
Kotak 811 #DreamDifferent Credit Card
  • Rewards point for every Rs 100 that you spend
  • 2X rewards on online spend
  • Interest-free cash withdrawal upto 45 days
  • 1% fuel surcharge waiver
  • Upto 2.5% railway surcharge waiver when booking online tickets through IRCTC
ICICI Coral Contactless Credit Card
  • 25% discount up to Rs 100 on the purchase of a minimum of 2 movie tickets per transaction on BookMyShow
  • 1% fuel surcharge waiver on Hindustan Petroleum Corporation Limited Pumps
  • Complimentary domestic lounge access
SBI Student Plus Advantages Credit Card
  • Rewards point for every Rs 100 that you spend
  • 2.5% fuel surcharge waiver at all petrol pumps in India
  • 10X Rewards on departmental stores and grocery spends
  • 10X Rewards points on international spends
  • Online railway ticket bookings
  • Worldwide acceptance at over 24 million outlets

FAQs

While choosing the right type of credit card, follow four steps:

  • Understand which type of credit card you want
  • Know the important features of the credit card
  • Compare your credit card options
  • Apply for the credit card you want

You can own multiple credit cards depending on eligibility and the bank. Some banks provide multiple credit cards, and some do not. For example, HDFC provides one credit card for one Customer ID.

Beginner credit cards are given to people who have just started earning. Also, the people who want to build their good credit scores and want to benefit from credit cards is given Beginner credit card.

Any Query? Enquire Now ➞
Apply Now