Indiaβs Top Credit Cards
Embark on a seamless financial journey with Indiaβs top credit cards. Apply credit cards online and enjoy lifetime free cards, welcome gifts, exclusive discounts, and robust security for a best spending experience.
*Offer is not applicable on Paytm & IDFC Secured Cards.
SBI Simply Save Rupay Card
Dining, Movies and grocery (Spend 2,000 & get 2,000 Reward points in 60 days)- π Get a welcome gift of 2,000 reward points
- β½ Enjoy 1% fuel surcharge waiver on spends between βΉ500 to βΉ3,000
- π¬ Earn 10 reward points for every βΉ150 spent
- You can get up to 4% value back on the fuel transactions
- For every Rs.100 spent on fuel, you will receive 20 reward points.
- On spending Rs.50,000 in a year, the annual fee for the next year is waivered.
- 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands. For list of eligible partner brandsβ―
- 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
- 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month. For more information on UPI spend on RuPay Credit Card
- Annual Fee (2nd year onwards): βΉ499 waived off on spends of βΉ1,50,000 or more in a year
- Up to 6.5% savings on HPCL Fuel
- 5% savings on Grocery, Utility & IDFC FASTag recharges
- It is a 3-in-1 switch credit card: Switch to travel, Switch to Shopping, and Switch to dining.
- No Joining and annual fee.
- Assured 2% cashback on either shopping, travel, or dining.
- Lifetime free card.
- Earn 6 first citizen points for every Rs 150 spent on shoppers stop private label brands, capped at 500 First Citizen Points per month
- Earn 2 First citizen Points for every Rs 150 spent on all other shoppers stop brands & other category spends (except fuel & wallet)
HDFC Business Moneyback
Business-centric benefits from cashback to accelerated reward points at partner stores- 2 Reward Points for every Rs. 150 spent
- 8 lounge visits within India annually
- Corporate Liability Waiver Insurance
- Enjoy savings with 5% monthly cashback on Fuel expenses.
- Get a 1% surcharge waiver and save up to Rs. 250 in every billing cycle (minimum transaction of Rs. 400)
- Enjoy savings with 5% monthly cashback on spends on Groceries
- 10X CashPoints on your favorite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber
- 5X CashPoints on EMI spends at merchant locations
- 1 CashPoint for every Rs.150 on other spends
- 5% 6E Rewards on IndiGo
- 3% 6E Rewards on Grocery, Dining & Entertainment
- 2% 6E Rewards on all other spends*
- Complimentary FC Black membership worth Rs 4500
- 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
- Earn 15 First Citizen Points for every Rs 150 spent on all other Shoppers Stop brands, capped at 2,000 First Citizen Points per month
- π Indus Easy Credit Card - lifetime free card
- β½ Fuel surcharge waiver on all petrol pumps
- βοΈ Enjoy complimentary airport lounge access
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
- No fees! Join for free, lifetime benefits
- Enjoy 10X rewards, always
- 48 days interest-free cash withdrawal
- Boost your credit score by paying your credit card bills on time.
- Start with a minimum FD of Rs 5,000 and top-up your FD to increase your credit limit.
- Pay your bills at the end of your interest-free credit period
- π Lifetime Free Credit Card
- π Discounts on dining, lifestyle, shopping & many more
- π― 100% Guaranteed Credit Card
- Get 25% cashbook on movie tickets
- Contactless-enabled card
- Withdraw as much cash as required
- βοΈ Get Exciting & Unlimited Cashback
- βοΈ Get free Insurance on mobile purchase
- βοΈ Get rewards for Welcome & Milestones
- Up to INR 200 cashback on first 4 UPI transaction (Done within 15 days)
- Get 100 reward points on Minimum UPI spend of INR 5000 per month
- 1 Complimentary Premium Economy Ticket Voucher & 1 One-Class Upgrade Voucher
- Direct entry to Club Vistara Silver Membership
- Up to 6000 Club Vistara points on monthly spends above Rs. 30,000 in the eligible months
- Zero liability for lost cards
- Emergency card replacement
- Insurance benefits
Standard Chartered Super Value Titanium
3 Month EMI conversion with interest rate of just 0.99% p.m. & nil processing fee- π° Get 1% cashback, up to Rs 500 monthly
- β½ Enjoy a 5% cashback on fuel, utility bills, and phone bills
- π Avail 0.99% monthly interest on 3-month EMIs for smoother financial management
- π« No Joining Fee
- π° Amazing annual benefits worth INR 32,000*
- π Discounts on flights, hotels, and buses
- π½οΈ 100% cashback up to Rs. 500 on restaurant spends
- π Earn 5 reward points for every Rs. 150 spent
- π³ Get 1 reward point for every Rs. 150 spent on other categories
- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- 1% cashback on all other spends (except Fuel) including EMI & wallet transactions
- βΉ1000 worth gift vouchers on spends of βΉ1,00,000 and above in each calendar quarter
- 2 EDGE Miles per Rs. 100
- 5 EDGE Miles per Rs. 100 on travel spend
- Up to 12 international lounge visits and 18 domestic lounge visits in a year
- Discount offers on Swiggy
- Airport Longue access
- Rewards on every transaction
- Annual fee of Rs 12,500 + Taxes waived off on spend of Rs.25 lakhs in preceding year.
- Lowered interest rate of 3% on extended credit
- Reduced mark-up fee of 2% on foreign transactions
- Access numerous airport lounges
- Purchase protection plan up to Rs 1 lakh
- Fuel up and get a waiver on the surcharge
- 4 complimentary domestic lounge visits per year
- Get 10% cashback* on your spending across Samsung Products and Services
- Welcome 2,500 EDGE Reward Points
- 30% off on Swiggy orders and a 15% discount at various partner restaurants with the Dining
- 2 complimentary domestic airport lounge access per quarter
- Enjoy membership bouquets up to Rs. 1000 every card anniversary year.
- Earn 2 CV points for every 200 Rs. spent which can be redeemed for flight tickets
- Get complimentary Economy class tickets as a welcome gift
- Purchase Protection cover up to Rs 1 Lakh
- Earn 2 CV points for every 200 Rs. spent which can be redeemed for flight tickets
- Get complimentary Economy class tickets as a welcome gift
- Purchase Protection cover up to Rs 1 Lakh
- Buy 1 Get 1 free on movie/non-movie weekend tickets via BookMyShow
- 5X Reward points on swiggy and zomato
- Complimentary annual memberships of swiggy one and times prime as a welcome benefit
- Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK
- Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
- 5 Reward Points for every Rs 150 spent
- 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
- 5X CashPoints on EMI spends at merchant locations
- 2 CashPoints per βΉ150 spent on other spends ( Excluding fuel, wallet loads/prepaid card loads & voucher purchases )
- 12 Complimentary Airport Lounge Access within India and 6 outside India
- Bonus 10,000 Reward Points on Rs. 5 lakhs spent and an additional 5,000 Reward Points on Rs. 8 lakhs spent in an anniversary year
- Earn 4 Reward Points on every Rs.150 spent (On all retail* spends)
- Earn up to 50 liters of free fuel annually
- Earn 5% of your spends as fuel points at IndianOil outlets
- Earn 5% of your spends as fuel points on groceries and bill payments
- 2.5% 6E rewards on indiGo app
- 2% 6E rewards on grocery, dining & entertainment
- 1% 6E Rewards on all other spends*
- 5% Unlimited cashback for spends on Flipkart, Myntra platforms
- 4% Unlimited cashback for spends on preferred merchants (Swiggy, Uber, PVR,)
- 1% Fuel surcharge waiver up to Rs. 500 per month
**Read more about credit cards online
Applying for credit cards online is a process where a financial institution issues a plastic or metal card that enables you to borrow funds. After a credit card purchase, it’s crucial to repay the borrowed amount by a specified date.
In case of delayed repayment, the issuer will charge interest on the unpaid balance. Continual delays can lead to the cancellation of your credit card and negatively impact your credit score. Potentially making it challenging to obtain loans or credit cards in the future.
Issuers may offer a separate cash line of credit (LOC) for cardholders. This feature permits cash withdrawals through bank tellers, ATMs, or credit card convenience checks.
Most businesses accept credit cards, making them a popular method for purchasing consumer goods and services. With the convenience of digital platforms, applying for credit cards online has become an efficient way. You get to access these financial tools with a streamlined process to manage finances and make transactions seamlessly.