HDFC Bank - Yoindi

Top HDFC Bank Credit Cards

Compare top cashback credit cards before applying for a credit card because getting the right one according to your need is important. When you buy the right card, you receive many benefits and do not face the burden of fees. While buying a credit card, compare it on Yoindi with essential factors. What are the essential factors, and how to compare credit cards and find the right credit card for you? All information is provided here.

HDFC Credit Card
IRCTC HDFC Bank Credit Card Instant Approval
IRCTC HDFC Bank Credit Card
Instant Approval
500
Joining Fees (₹)
500
Annual Fees (₹)
5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App
Reward Points
+2 more
Suited For
HDFC Bank UPI RuPay Credit Card Instant Approval
HDFC Bank UPI RuPay Credit Card
Instant Approval
99
Joining Fees (₹)
99
Annual Fees (₹)
3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions.
Reward Points
+2 more
Suited For
Tata Neu Infinity HDFC Bank Credit Card Instant Approval
Tata Neu Infinity HDFC Bank Credit Card
Instant Approval
1499
Joining Fees (₹)
1499
Annual Fees (₹)
5% cashback on Tata Neu and partner brand app purchases, as well as Air India mobile bookings and utility bill payments through Tata Pay
Reward Points
+2 more
Suited For
Tata Neu Plus HDFC Bank Credit Card Instant Approval
Tata Neu Plus HDFC Bank Credit Card
Instant Approval
499
Joining Fees (₹)
499
Annual Fees (₹)
2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
Reward Points
+2 more
Suited For
Shoppers Stop Black HDFC Bank Credit Card Instant Approval
Shoppers Stop Black HDFC Bank Credit Card
Instant Approval
4500
Joining Fees (₹)
4500
Annual Fees (₹)
Earn 20 First Citizen Points for every Rs 150 spent on Shoppers Stop Private label brands, capped at 2,000 First Citizen Points per month
Reward Points
+2 more
Suited For
Shoppers Stop HDFC Bank Credit Card Instant Approval
Shoppers Stop HDFC Bank Credit Card
Instant Approval
Nil
Joining Fees (₹)
Nil
Annual Fees (₹)
Earn 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month
Reward Points
+2 more
Suited For
HDFC Regalia Gold Credit Card Instant Approval
HDFC Regalia Gold Credit Card
Instant Approval
2500
Joining Fees (₹)
2500
Annual Fees (₹)
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital
Reward Points
+2 more
Suited For
HDFC Business Regalia Credit Card Instant Approval
HDFC Business Regalia Credit Card
Instant Approval
2500
Joining Fees (₹)
2500
Annual Fees (₹)
Earn 4 Reward Points on every Rs.150 spent (On all retail spends excluding wallet, emi and petrol)
Reward Points
+2 more
Suited For
HDFC Millennia Credit Card Instant Approval
HDFC Millennia Credit Card
Instant Approval
1000
Joining Fees (₹)
1000
Annual Fees (₹)
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
Reward Points
+2 more
Suited For
HDFC Diners Club Privilege Credit Card Instant Approval
HDFC Diners Club Privilege Credit Card
Instant Approval
2500
Joining Fees (₹)
2500
Annual Fees (₹)
Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow
Reward Points
+2 more
Suited For
HDFC Bank MoneyBack+ Credit Card Instant Approval
HDFC Bank MoneyBack+ Credit Card
Instant Approval
500
Joining Fees (₹)
500
Annual Fees (₹)
10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
Reward Points
+2 more
Suited For
HDFC Business MoneyBack Credit Card Instant Approval
HDFC Business MoneyBack Credit Card
Instant Approval
500
Joining Fees (₹)
500
Annual Fees (₹)
Earn 2X Reward Points, 4 Reward Points on every Rs. 150 spent online
Reward Points
+2 more
Suited For
HDFC Bank Freedom Credit Card Instant Approval
HDFC Bank Freedom Credit Card
Instant Approval
500
Joining Fees (₹)
500
Annual Fees (₹)
10X CashPoints on your favourite merchants
Reward Points
+2 more
Suited For
6E Rewards – IndiGo HDFC Bank Credit Card Instant Approval
6E Rewards – IndiGo HDFC Bank Credit Card
Instant Approval
500
Joining Fees (₹)
500
Annual Fees (₹)
2.5% 6E Rewards on IndiGo App or www.goindigo.in
Reward Points
+2 more
Suited For
IndianOil HDFC Bank Credit Card Instant Approval
IndianOil HDFC Bank Credit Card
Instant Approval
500
Joining Fees (₹)
500
Annual Fees (₹)
Earn 1 Fuel Point for every ₹150 spent on all other purchases.
Reward Points
+2 more
Suited For

Top Credit Card Categories

Compare Best In-Class Credit Cards

Most Popular Credit Cards

Do you want to know which of the credit cards are the most popular? Why not take a look and see how they stack up against each other.

Axis Bank Vistara Infinite Credit Card

Joining Fee
Rs. 10,000 + Applicable Taxes

Rewards Rate
6 Club vistara points for every Rs 200 spent

Axis Bank Vistara Signature Card

Joining Fee
Rs. 3,000 + Applicable Taxes

Rewards Rate
4 Club Vistara Points for every Rs. 200 spent

SBI Tata Platinum Credit Card

Joining Fee
Rs. 2,999 + Applicable Taxes

Rewards Rate
3X reward point on every Rs. 100 spent

HDFC Regalia Credit Card

Joining Fee
Rs. 2,500 + Applicable Taxes

Rewards Rate
4 Reward Points on every Rs. 150 spent

HDFC INFINIA Credit Card

Joining Fee
Rs. 12,500 + Applicable Taxes

Rewards Rate
5 Reward Points for every ₹ 150 spent

IDFC FIRST Select Credit Card

Joining Fee
Nil

Rewards Rate
10X Points on spends above ₹25,000/month

Credit Card Issuers

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.

  1. Understand credit card types
  2. 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.

  3. Understand the category of the card
  4. 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.

  5. Credit score
  6. 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.

  7. Interest-free period
  8. 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.

  9. Annual Fee
  10. 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.

  11. Reward points
  12. 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.

  13. Interest Rate
  14. 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.

  15. Additional card fees
  16. 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%.

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?

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.

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 -- --
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

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
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
  1. You earn rewards when do frequently shopping
  2. No annual fees
  3. No joining fees
  4. 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

  1. Lifetime free credit card
  2. No annual fees
  3. 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
  1. Easy EMI conversion
  2. No annual fees
  3. 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
  1. Easy EMI conversion
  2. Zero lost card liability
  3. Interest-free credit period
  1. Joining fees is to be paid
  2. 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

  1. No duplicate statement fee
  2. No outstation cheque fee
  3. Free mobile alert transaction charges
  4. No balanced inquiry charges
  1. Joining fees is to be paid
  2. Annual fees need to pay from 2nd year
Card Annual fees Joining fees Benefits Rewards Pros Cons
SBI card Unnati

Nil, 5 years onwards Rs 499

Nil

  1. EMI conversion
  2. Secured card
  3. Add on card
  4. Utility bill payment facility
  5. Rewards points on shopping
  6. Contacless payment
  7. Other benefits
  1. Get 1 rewards points on Rs 100 spent
  2. Receive Rs 500 cashback within 15 days, spending Rs 50,000 or more
  1. Fuel surcharge waiver
  2. No annual fees
  3. No joining fees

You get a card when you have FD with an SBI of Rs 25000 or more

IDBI Aspire Platinum

Nil

Nil

  1. Zero lost card liability
  2. Interest-free credit
  3. Fuel surcharge waiver
  4. 500 delight points on the first usage within 30 days
  5. 300 delight points on the first usage within 31 to 90 days
  1. 2 delight points for every 150 spent on traveling, shopping, watching movies, and dining out
  1. No annual fees
  2. No joining fees
  3. Interest-free credit

Pay cash replacement fee of Rs 200

Axis Bank Insta Easy Credit card

Nil

Nil

  1. 6 rewards points on domestic spending of Rs 200
  2. 12 rewards points on domestic spending of Rs 200
  3. Discount of 15% on dining bills at partner restaurants
  4. 1% waived on fuel charges between Rs 400 to Rs 4000
  1. 6 rewards points on domestic spending of Rs 200
  2. 12 rewards points on domestic spending of Rs 200
  1. Fuel surcharge waiver
  2. Minimum paperwork Required
  3. Improve the credit score
  4. No income proof is required
  1. The applicant needs to open an FD account with the bank to get this card
  2. Rs 2000 minimum amount required in FD
Amazon Pay ICICI

Nil

Nil

  1. 5% cashback on amazon
  2. Discount of 15% on dining bills at partner restaurants
  3. 1% waived on the fuel charge

Unlimited rewards point

  1. No annual fees
  2. Fuel surcharge waiver
  3. Get unlimited rewards points
  4. No upper or lower limit to amazon pay balance
  1. Invited only credit card
  2. One to be amazon prime member to get discount
IDFC First Select credit card

Nil

Nil

  1. Welcome benefits of voucher Rs 500
  2. Fuel surcharge waiver
  3. Railway Lounge access
  4. Domestic Airport Lounge access
  5. Free roadside assistance
  6. Air accident cover of Rs 1 crore
  7. Personal accident cover of Rs 5 lakh
  8. Other benefits

Rewards points without any upper limit

  1. Rewards point without any upper limit
  2. No annual fees
  3. No joining fees

The value of the reward point is INR 0.25

Card Annual fees Joining fees Benefits Rewards Pros Cons
FinBooster: YES Bank bank Bazaar Co-branded Credit card

Nil

Nil

  1. 1% waived on fuel charges between Rs 400 to Rs 5000
  2. Fitness benefits
  3. Get 3 add-on credit cards
  1. Get 5x reward points on dining spends
  2. 2 reward points for every Rs 200 spent
  1. Interest free credit
  2. Reward points do not expiry

18% GST to pay on fees

IndusInd Bank Platinum card

Nil

Rs 3000

  1. Fuel surcharge waiver
  2. Lifestyle benefits
  3. Insurance benefits
  4. Travel benefits
  5. Golf benefits
  6. Other benefits
  1. 1 reward point = Rs 0.85
  2. 1.5 reward points for every Rs 150 spent
  1. No annual fees
  2. Add on credit card fee NIL

Paying joining fees of Rs 3000

HSBC Smart Value Credit Card

Rs 499

Nil

  1. Subscribe to ganna for 3 months within 600 days of card issue
  2. Lifestyle benefits
  3. Movie benefits
  4. Make 5 transactions of Rs 5000 or more within 60 days of getting the card
  1. 1 reward points for every Rs 100 spent
  2. 3X rewards points for dining, hotel, and telecom
  1. Instance EMI
  2. Balance Transfer
  3. Easy EMi Conversion
  4. Global acceptance cards
  5. No annual fee on add card
  1. No fees for add-on card
  2. There are no joining fees
HDFC Freedom Credit card

Rs 500

Rs 500

  1. Fuel surcharge waiver
  2. Spending Rs 90,000 annually and earn a gift voucher of Rs 1000
  3. Rewards points on movies, dining, railway, and tax bookings
  1. 1 reward points for every Rs 100 spent
  2. Rewards points you get on retail, HDFC SmartBuy, PayZapp, and birthday spends
  1. Membership fee waived off when you spend Rs 60,000 in the year with a card
  2. No Additional card fee
  1. Need to pay joining fees and annual fees
  2. 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. 1% fees on fuel charges for above 5000
  2. Fuel surcharge waiver
  3. Other benefits

10X Rewards points on every Rs 50 spent on Flipkart, Amazon, and Uber

  1. Easy EMI conversion
  2. Flexibility provides to pay the credit bill
  3. Contactless payment
  1. Joining fees and annual fees is to be paid
Card Annual fees Joining fees Benefits Rewards Pros Cons
HDFC Bank Diners Club Black card

Rs 10,000

Rs 10,000

  1. You can book tickets for airports and hotels across 150 airlines
  2. Access to 1000+ airport lounge
  3. Air accidental death coverage of Rs 2 crore
  4. Emergency overseas hospitalization cover of Rs 50 lakh
  1. Get 5 rewards for every Rs 150 spent
  2. Earn 10X reward points on all partner brands
  1. Life time free add-on card
  2. Credit liability covers up to 9 lakh
  3. 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

  1. In a welcome gift, get a complimentary economy-class flight ticket
  2. Complimentary lounge access
  3. Receive a Club Vistara membership for free
  4. Up to Rs 2.5 crore air accident insurance

You earn 2 club Vistara points for each Rs 200 spending

  1. Easy EMI conversion
  2. No outstation cheque fee
  3. No Duplicate Statement Fee

--

Yatra SBI Card

Rs 499+ Taxes

Rs 499+ Taxes

  1. Welcome gift worth Rs 8250
  2. Rs 5000 transaction on domestic flight booking provides Rs 1000 off
  3. Rs 40,000 transaction on Internetional flight booking provides Rs 4000 off
  4. Air Accidental cover
  1. 1.6 Rewards points on every Rs 100 spent on grocery, dining, movies, and entertainment
  1. No add-on card fees
  2. Getting a good amount of benefits on travel

--

IndusInd Intermiles Voyage Amex Credit Card

Rs 2000

Rs 2000

  1. Get Rs 15000 on Intermiles as a welcome bonus
  2. 2X intermiles on flight Books and hotel booking
  3. Lifestyle benefits as a movie ticket
  4. Concierge service
  5. Travel benefit
  6. Assurance
  7. Fuel surcharge waiver
  1. Up to 6 intermiles on every 100 spending
  2. Earn 2X on flights, hotels, and amazon spends
  1. 1% waived on fuel charged
  2. No fees on Add on card

--

Kotak IndiGO Ka-Ching 6E rewards XL Credit card

Rs 2500

Rs 2500

  1. Welcome ticket of Rs 3000
  2. 8 domestic lounge access every year
  3. 6% on dining, grocery, and entertainment, 3% on feature partners, and upto 20% on other spending, including fuel
  4. Complimentary meals worth Rs 899

6E Rewards earned on every Rs 100 spent

  1. Special card for flight travel
  2. With the airport lounge, you enjoy coffee and a movie
  3. No fees on Add on card
  1. Not useful when travelling by railway or bus
Card Annual fees Joining fees Benefits Rewards Pros Cons
HDFC Visa Signature Credit Card
  1. Free membership with spending Rs 15000 with 90 days
  2. Renew your membership for free by spending Rs 75000

Nil

  1. Free priority pass membership of Rs 99
  2. Fuel surcharge waiver
  3. Saving on lounge access and fuel

2 points on each Rs 150 spent

  1. Interest free credit for 50 days
  2. Zero lost card liability
  3. 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

  1. Travel insurance
  2. Lounge access to 600 airport
  3. Welcome gift worth Rs 3000

5X rewards on dining, grocery, and international spending

  1. Provide a free, easy bill facility
  2. Card replaced with 24*7 with the report

--

Axis bank Miles and More Credit Card

Rs 3500

Rs 3500

  1. Lounge access to 600 airport
  2. Dining benefits
  3. 24*7 concierge services
  4. Insurance coverage

High on rewards

  1. Card safety
  2. Easy EMI conversion

Cash and retail charges of 2.95%

HDFC Bank Millennia Credit Card

Rs 1000

Rs 1000 + Taxes

  1. Fuel surcharge waiver
  2. 8 complimentary Lounge access
  1. At 1 cashpoint = Rs 0.30
  2. 2.5% cash back on the spending of Rs 2000
  3. 1% cash back on the spending of Rs 100
  1. Easy EMI conversion
  2. Zero lost card liability
  3. Interest free credit period

--

American Express Platinum Travel Credit Card

Rs 3500 + Taxes

Second year – rs 5000 + taxes

Rs 3500 + Taxes

  1. Travel vouchers
  2. Airport lounge
  3. Complimentary benefits

2 membership rewards points for each Rs 100 spent

  1. Zero lost card liability
  2. Contactless payment
  3. Platinum services

--

Card Annual fees Joining fees Benefits Rewards Pros Cons
Yatra SBI Card

Rs 499+ Taxes

Rs 499+ Taxes

  1. Welcome gift worth Rs 8250
  2. Rs 5000 transaction on domestic flight booking provides Rs 1000 off
  3. Rs 40,000 transaction on internetional flight booking provides Rs 4000 off
  4. Air Accidental cover
  5. Fuel surcharge waiver
  1. 6 Rewards points on every Rs 100 spent on grocery, dining, movies, and entertainment
  1. No add-on card fees
  2. Getting a good amount of benefits on travel

--

HDFC Regalia

Rs 2500

Rs 2500

  1. 6 complimentary lounges for international
  2. 12 complimentary lounges for domestic
  3. Dining benefits
  4. Others

1 point = Rs 0.50

  1. Zero lost card liability
  2. Contactless payment

This card is not useful for shopping

Axis Bank Vistara Signature Credit card

Rs 3000

Rs 3000

  1. Protect purchase cover Rs 1 lakh
  2. Air accident cover is up to Rs 2.5 crore
  3. Welcome privileges
  4. Complimentary club Vistara membership

4 Cv points for spending Rs 200

  1. Lost card liability covers up to 10%
  2. No add-on card fee

--

MakeMyTrip ICICI Bank Signature Credit Card

Nil

Rs 2500

  1. Benefits on holiday, movie tickets and hotels, etc
  2. 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

  1. Travel vouchers
  2. Airport lounge
  3. Complimentary benefits

2 membership rewards points for each Rs 100 spent

  1. Zero lost card liability
  2. Contactless payment
  3. Platinum services

--

Card Annual fees Joining fees Benefits Rewards Pros Cons
HSBC Cashback Credit Card

Rs 750

Nil

  1. 15% discount at partner restaurants in major cities
  2. Rs 500 amazon on voucher spending Rs 500 or more within 30 days of issuing card
  3. 3 complimentary airport lounge access at inter-national and domestic or 3 meal vouchers

Provide unlimited cashback on the purchases

  1. Zero joining fees
  2. EMI conversion

--

HDFC Millennia Credit Card

Rs 1000

Rs 1000 + taxes

8 complimentary airport lounge access

Shopping benefits

  1. 5% cashback on shopping with amazon, Flipkart, flight and hotel bookings
  2. Other cashback benefits
  1. Fuel surcharge waiver
  2. Zero lost card liability
  3. 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

  1. 5% cash back offers On utility bill
  2. 4% cashback on food delivery and cabs
  3. 2% cash back on another spending

No rewards points

  1. No duplicate statement fee
  2. No outstation cheque fee
  3. Free mobile alert transaction charges
  4. No balanced inquiry charges
  1. 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)

  1. Complimentary annual membership at various brands
  2. Milestone benefits
  3. 12 complimentary airport access

10X Rewards points on every Rs 50 spent on Flipkart, Amazon, and Uber

  1. Easy EMI conversion
  2. Flexibility provides to pay the credit bill
  3. Contactless payment
  1. Joining fees and annual fees is to be paid
Bajaj Finserv Insta EMI Credit Card

Rs 117+ GST

Rs 412

  1. Enjoy purchase capacity of up to Rs 4 lakh
  2. EMI network access at 2900 cities
  3. Up to 2 lakh loan pre-approved

Rs 500 cashback on the activation

  1. No cost EMI
  2. Flexible time for loan repayment
  3. Zero foreclosure charges
  4. 100% digital process

--

Card Annual fees Joining fees Benefits Rewards Pros Cons
Flipkart Axis Bank Credit Card

Rs 500 (from 2nd year)

Rs 500

  1. Welcome benefits
  2. Unlimited Cashback
  3. Complimentary airport lounge access
  4. Fuel Surcharge Waiver

5% cashback on Flipkart and myntra

1.5% cashback on all categories

  1. No add on card fees
  2. No duplicate statements and outstanding cheque fee

--

Amazon Pay ICICI Credit Card

Nil

Nil

  1. Cash back offers
  2. 15% discount at partner restaurants of ICICI Bank
  3. 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)

  1. Complimentary annual membership at various brands
  2. Milestone benefits
  3. 12 complimentary airport access

10X Rewards points on every Rs 50 spent on Flipkart, Amazon, and Uber

  1. Easy EMI conversion
  2. Flexibility provide to pay the credit bill
  3. Contactless payment
  1. 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

  1. Easy EMI conversion
  2. No annual fee

--

SBI SimplyCLICK Credit Card

Rs 499 + Taxes

Rs 499 + Taxes

  1. eshopping rewards on shopping
  2. E-voucher receives Rs 2000 on 1 lakh or 2 lakh spends

10 rewards points per Rs 100 on online purchases

  1. Flexipay
  2. No add fee
  3. Global accepted

--

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

  1. Flexipay
  2. No add fee
  3. 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

  1. 24*7 road assistance
  2. 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

  1. 100% cashback on fuel transaction
  2. 4% value back on fuel transaction
  3. 1% on fuel surcharge waiver for Rs 200 to Rs 5000

1 Edge reward point on each 100 spending

  1. No add-on card fee
  2. No outstation cheque fee

--

HDFC Bharat Cashback Credit Card

Rs 500

Rs 500

  1. 5% cashback on fuel expenses
  2. 1% on fuel surcharge waiver for Rs 400

Nil

  1. Interest free credit
  2. Safety

--

ICICI Bank HPCL Platinum Credit Card

Nil (second year onwards Rs 199+ GST)

Rs 199+ GST

  1. 1% on fuel surcharge waiver

2 Reward points on every Rs 100 spent on retail purchases, not fuel

No add card fees

--

Card Annual fees Joining fees Benefits Rewards Pros Cons
HDFC Regalia

Rs 2500

Rs 2500

  1. complimentary Dining membership
  2. 25% at 2000+ premium restaurants

1 point = Rs 0.50

  1. Zero lost card liability
  2. 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

  1. 20% off with a partner restaurant
  2. 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

  1. 30% off on zomato order
  2. 50% off on zomato gold membership
  3. 20% off on orders of Rs 500 or more on swiggy
  4. 20% off on culinary treats, Sunday brunches

4 payback points on every 100 spent

Save 15% on dining bills at a partner restaurant

--

Card Annual fees Joining fees Benefits Rewards Pros Cons
Axis My Zone Credit Card

Nil, Rs 500 (2nd year onwards)

Rs 500

  1. 25% cashback on movie tickets

4 EDGE points on each Rs 200 spent

EMI conversion

--

Kotak PVR Gold Credit Card

Rs 499

Nil

  1. 1 free ticket of PVR at spending Rs 10,000
  2. 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

  1. Buy one ticket, get another free
  2. Offer is given on all theaters registered with BookMyShow across the cities
  3. Card the holder can avail of upto 1 free movie discount in a month

1 reward point for every Rs 150 spent

  1. Add on credit card fee NIL

--

HDFC Titanium Times Credit Card

Rs 500

Rs 500

  1. 25% off on movie tickets with BookMyShow
  2. 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

--

Card Annual fees Joining fees Benefits Rewards Pros Cons
Cashback SBI Card

Rs 999

Nil

  1. 5% cashback on all online expenses
  2. 1% cashback on all other spending

--

Zero joining fees

--

HSBC Cashback Credit Card

Rs 750

Nil

  1. 5% cashback on all online expenses
  2. 1% cashback on all other spending

--

Cashback on instant EMI

--

HDFC Millennia credit card

Rs 1000 + Taxes

Rs 1000 + Taxes

  1. 5% cashback on Amazon, flipkart, BookMYShow, Myntra, Swiggy and others
  2. 1% cashback on offline spends

--

  1. Interest free credit
  2. Zero lost card liability
  3. 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

  1. 5% cashback on bill pay and recharge with Google pay
  2. 2% cashback on all other spending
  3. 4% on Ola, Swiggy and Zomato

No rewards points

  1. No duplicate statement fee
  2. No outstation cheque fee
  3. Free mobile alert transaction charges
  4. No balanced inquiry charges
  1. Joining fees and annual fees is to be paid
Amazon Pay ICICI Credit Card

Nil

Nil

  1. 5% cashback on Amazon for Prime Customers
  2. 3% cashback on Amazon for Non- Prime Customers
  3. 2% cashback on 100+ partner merchants
  4. 1% cashback on other transaction

1 rewards points = 1 Rs

No joining and annual fees

--

Card Annual fees Joining fees Benefits Rewards Pros Cons
Amazon Pay ICICI Credit Card

Nil

Nil

  1. 5% cashback on Amazon for Prime Customers
  2. 3% cashback on Amazon for Non- Prime Customers
  3. 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

  1. 5% cashback on flipkart
  2. 5% cashback on all categories

--

  1. No add on card fees
  2. 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

  1. Instant EMI
  2. Card Protection Plan

--

Axis Bank Select Credit Card

Rs 3000

Nil

  1. Get 40% discount on swiggy
  2. 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

  1. Easy EMI conversion
  2. Flexibility provide to pay credit bill
  3. Contactless payment
  1. Joining fees and annual fees is to be paid
Card Annual fees Joining fees Benefits Rewards Pros Cons
SBI Elite Credit Card

Rs 4999

Rs 4999

  1. 6 Complimentary internationalal airport lounge
  2. 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

  1. 4 Complimentary for domestic and international airport access
  2. Lifetime free credit Card
  3. Accident cover of Rs 1 crore

10X Rewards point on all spend above Rs 20,000

  1. Low markup fees of 1.5%
  2. Interest-free cash withdraw

--

HDFC Diners Club Privilege Credit Card

Rs 2500

Rs 2500

  1. 12 Complimentary visits per year to 1000+ airport lounge access
  2. Travel benefits

4 Rewards points on each Rs 150 spent

  1. Low markup fees of 2%

--

ICICI Bank Emeralde Credit Card

Rs 12000 + GST

Rs 12000 + GST

  1. Unlimited Complimentary International Lounge Access
  2. Air Accident Coverage

4 Rewards points on each Rs 100 spent

  1. Low markup fees of 1.5%

--

Axis Bank Magnus Credit Card

Rs 10,000 + GST

Rs 10,000 + GST

  1. Complimentary Air Travel
  2. Airport concierge services
  3. Global Travel and Medical Assistance

12 EDGE Rewards points for each Rs 200 spent

  1. Low markup fees of 2%

--

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

  1. Fuel surcharge waiver
  2. Unlimited cashback offers
  3. Lounge access
  4. Dining delights

No rewards point

  1. No duplicate statement fee
  2. No outstation cheque fee
  3. Free mobile alert transaction charges
  4. No balanced inquiry charges
  1. Joining fees is to be paid
  2. Annual fees need to pay from 2nd year
SBI SimplyCLICK Credit Card

Rs 499 + Taxes

Rs 499 + Taxes

  1. e-shopping rewards on shopping
  2. 1% fuel surcharge waiver for transactions worth Rs 500 to Rs 3000

10 rewards points per Rs 100 on online purchases

  1. Flexipay
  2. No add-on fee
  3. Global accepted

--

HSBC Cashback Credit Card

Rs 750

Nil

  1. Cashback offers
  2. Welcome voucher
  3. 15% discount at over 1000 restaurants

--

Cashback on instant EMI

--

Flipkart Axis Bank Credit Card

Rs 500 (from 2nd year)

Rs 500

  1. Welcome benefits
  2. Cashback offers
  3. 4 complimentary domestic lounges

--

  1. No add-on card fees
  2. No duplicate statement and outstanding cheque fee

--

YES Prosperity Credit Card

Rs 399 + Taxes

Rs 399 + Taxes

  1. 5% cash back on grocery items
  2. 12000 bonus rewards point when you spend Rs 3.6 lakh in a year
  3. 1% fuel surcharge waiver on every fuel stations

2 rewards point on each Rs 200 spent

  1. Instant EMI
  2. Card Protection Plan

--

FAQs

A credit card is a way through which you can make Payments. The bank provides the customer fund on credit with pre-approved credit limits.

The customer must repay the money to the bank before the due date. Otherwise, they need to pay an interest rate on it.

You can apply for multiple credit cards, as the application is viewed separately.

The credit issuer sets the credit card limit depending on your income and CIBIL score. The credit limit is the maximum money you can borrow from the bank.

The credit card which is fulfilling the cardholder's need. Also, it is best to type a credit card where benefits are provided more than the annual and joining fees.

Debit cards allow you to make payments depending on the bank deposit. While on a credit card, you can borrow money from the card issuer with the credit limit. The money you have to repay before the due date.

The features which is important you need to look at while buying a credit card are

  1. Joining fees and annual fees
  2. Annual Percentage Rate
  3. Fuel Surcharge Waivers
  4. Rewards available for spending
  5. Other depends on the need

With the help of a credit card, you can purchase goods and make payments for services. After that, you have to repay the money before the due date. If you fail to pay on time, you must bear interest rates.

With the help of a credit card, you can purchase goods and make payments for services. After that, you have to repay the money before the due date. If you are unsuccessful to pay on time, you have to bear interest rates.

Any Query? Enquire Now ➞
Apply Now