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 the best spending experience.
ICICI Bank HPCL Super Saver
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.- ποΈ Avail of a 25% discount capped at βΉ100 on the purchase of a minimum of two tickets per transaction.
- π¬ This benefit can be availed up to two times a month on BookMyShow and INOX movies, individually.
- π½οΈ Enjoy luxury with gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs, and beverage services.
- ποΈ Easy Shopping with Wide EMI Network
- π Minimal Documentation for Quick Approval
- πΈ Shop Up to βΉ2 Lakhs with Flexible Repayment
- 10X Reward Points on incremental spends above βΉ20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to βΉ20,000 per month
- Unlimited Reward points that never expire
- 2000 Reward Points worth ΰ€°ΰ₯500 on spending ΰ€°ΰ₯5,000
- 1000 Reward Points on your First EMI conversion
- Travel discount coupon of βΉ2100 as a welcome gift
- 10X Reward Points on incremental spends above βΉ20,000 per month and spends done on your birthday
- 3X Reward Points on applicable online & offline purchases for spends up to βΉ20,000 per month
- Unlimited Reward points that never expire
- Up to 5% savings on your fuel expenses
- 2.5% savings as Rewards on Grocery & Utility expenses
- 2.5% savings as Rewards on IDFC FIRST FASTag recharge
- 1% Forex Markup on foreign currency transactions
- 4 domestic lounge/spa visits per quarter and 2 international lounge visits per quarter
- Free Trip Cancellation Cover worth βΉ25,000 on hotel & flight bookings in a year
- 0 Forex Mark-up on foreign currency transactions
- 4 domestic lounge/spa visits including 1 guest visit to lounges per quarter, 4 international lounge visits per quarter
- Free Trip Cancellation Cover worth βΉ50,000 on hotel & flight bookings in a year
- 10% cashback on Swiggy on Food Orders, Instamart, Dineout & Genie.
- 5% Cashback on Amazon, Flipkart, Myntra, Ajio, Ola, Uber, Nykaa, BookMyShow and several other platforms.
- 1% Cashback on all other spends
- π Complimentary FC Black Membership worth Rs 4500
- ποΈ Earn 20 First Citizen Points for every Rs. 150 spenton Shoppers Stop
- π Earn 15 First Citizen Points for every Rs. 150 spent on all other Shoppers Stop brands
- πΈ Earn 2 CashPoints per βΉ150 spent on other purchases
- π Receive a βΉ500 gift voucher on spends of βΉ50,000 per calendar quarter
- ποΈ Earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
- ποΈ Earn 6 First Citizen Points for every Rs. 150 spent on Shoppers Stop brands
- π Earn 2 First Citizen Points for every Rs. 150 spent on non-Shoppers Stop brands
- π Complimentary Shoppers Stop membership
HDFC Business Moneyback
Business-centric benefits from cashback to accelerated reward points at partner stores- π³ Earn 2 Reward Points for every Rs. 150 spent
- π’ Enjoy 8 lounge visits within India annually
- π Corporate Liability Waiver Insurance for peace of mind
- π 10X CashPoints on: Big Basket, BookMyShow, OYO, Swiggy & Uber
- π 5X CashPoints on EMI spends at merchant locations
- π³ 1 CashPoint for every Rs. 150 spent on other purchases
- π Enjoy 5% monthly cashback on fuel expenses
- πΈ Get a 1% surcharge waiver and save up to Rs. 250
- π Save with 5% monthly cashback on grocery spending
- 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
- 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
- 4 Complimentary Domestic Lounge Access per calendar year (1 in a quarter)
- βοΈ Enjoy 12 complimentary airport lounge accesses within India and 6 outside India
- π Earn a bonus of 10,000 Reward Points on Rs. 5 lakhs spent
- π³ An additional 5,000 Reward Points on Rs. 8 lakhs spent in an anniversary year
- βοΈ Earn 5% 6E Rewards on IndiGo flights!
- π½ Get 3% 6E Rewards on Grocery, Dining & Entertainment!
- π³ Enjoy 2% 6E Rewards on all other spends!*
- π Annual Memberships: Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK
- π Complimentary Vouchers: Ola Cabs, cult.fit Live, BookMyShow, and TataCliQ spend over Rs. 80k/month
- π 5 Reward Points for every Rs. 150 spent
HDFC Rupay
You can avail of CashPoints on Groceries, SuperMarket & Dining spends and all PayZapp transactions- πΈ 2% Back as Neu Coins on Non-EMI Spends on Tata Neu and Partner Tata Brands
- π° 1% Back as Neu Coins on Non-Tata Brand Spends and Any Merchant EMI Spends
- π² 1% Back as Neu Coins on UPI Spends (Including Partner Tata Brands
- β½ Earn up to 50 litres of free fuel annually
- π Earn 5% of your spending as fuel points at IndianOil outlets
- πΈ Earn 5% of your spending as fuel points on groceries and bill payments
- ποΈ Enjoy 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
- π³ Get 1% cashback on all other spends (except fuel), including EMI & wallet transactions
- π Receive βΉ1000 worth of gift vouchers on spends of βΉ1,00,000 and above in each calendar quarter
- βοΈ Earn 2.5% 6E Rewards on the IndiGo app
- π½οΈ Get 2% 6E Rewards on Grocery, Dining & Entertainment
- π³ Enjoy 1% 6E Rewards on all other spends*
- π¬ Buy 1 Get 1 Free on weekend tickets via BookMyShow!
- π½οΈ 5X Reward Points on Swiggy and Zomato!
- π Complimentary annual memberships of Swiggy One and Times Prime as a welcome benefit!
ICICI Bank Make My Trip Signature
This exclusive card unlocks a world of benefits such as savings worth Rs 20,000.- π Enjoy joining benefits: MMT Holiday Voucher worth βΉ2500, 1500 MyCash, and MMTBLACK exclusive membership
- β¨ Enjoy the MMTBLACK loyalty program for exclusive perks
- π³ Earn up to 40,000 reward points using the card for your travel needs
- Best in class Forex mark-up of only 1.5%
- Comprehensive Travel Insurance and Air Accident cover
- Access to International and Domestic Airport lounges and spas
- INR 1500 Voucher on first spend
- 1 Free Night Award at participating Marriott Bonvoy
- 8 points at hotels participating in Marriott Bonvoy
- 10X or 5X Reward Points on all online domestic & international retail transactions
- 1% fuel surcharge waiver on all transactions between INR 400 to INR 5,000
- Your LIT Credit Card brings food delivery, fitness & entertainment right to your door
- π³ Joining Fee: NIL
- π³ Annual Fee (Second year onwards): NIL
- π° Overdue interest on extended credit and cash advances: 3.40% per month (40.80% annualized)
ICICI Bank HPCL Coral Rupay
Enjoy 25% discount on movie tickets. Experience exclusive privileges with ICICI Bank. Apply now!- β½ Enjoy a 2.5% cashback at HPCL fuel stations for significant fuel savings
- π³ Earn 2 reward points for every βΉ100 spent, redeemable for various benefits
- π¬π½οΈ Get a 25% discount on movie tickets and exclusive dining discounts
ICICI Bank Chennai Super Kings
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.- π Get a joining gift of 2,000 ICICI Bank Reward Points* on payment of the joining fee and spending βΉ5,000 in the first 45 days
- π Earn 2,000 ICICI Bank Reward Points* on renewal, applicable only on payment of the annual fee
- π³ Enjoy a waiver of annual fees on spends of βΉ1,50,000 in the previous year
ICICI Bank MU Platinum
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.- π Earn 2 Reward Points per βΉ100 on domestic/international spending
- β½οΈ Earn 3 Reward Points per βΉ100 on Manchester United match days
- βοΈ Enjoy 1 complimentary lounge access at domestic airports
ICICI Bank Emirates Rubyx
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.- βοΈ Earn 1.5 Skyward Miles on every retail spend of βΉ100
- πΌ Earn 1 Skyward Mile on every spend of βΉ100 on utility and insurance categories
- β½ Get a 1% fuel surcharge waiver on all fuel transactions worth up to βΉ4,000 at authorized fuel stations in India
ICICI Bank Emirates Emeralde
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.- βοΈ Receive 10,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
- π³ Earn up to 2.5 Skywards Miles per βΉ100 spent
- ποΈ Enjoy unlimited complimentary international & domestic lounge access* (subject to predefined lounges and availability)
ICICI Bank Emirates Sapphiro
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.- βοΈ Receive 5,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits
- π³ Earn up to 2 Skywards Miles per βΉ100 spent
- ποΈ Enjoy 2 complimentary domestic lounge accesses per quarter and 2 complimentary international lounge accesses per year*
- π Get βΉ500 MyCash plus a MakeMyTrip holiday voucher worth βΉ3000 on joining
- β¨ Enjoy benefits worth up to βΉ20,000
- ποΈ Complimentary domestic airport and railway lounge access
ICICI Bank Coral Rupay
This card helps you keep costs under check with cashback & savings on fuel, utility and departmental store spends.- π³ Joining Fee: βΉ500, Annual fee waived
- π½οΈ Enjoy privileges on dining, travel, entertainment, and more
- π Rewards on spends and special welcome perks
ICICI Bank Rubyx Rupay
India's first dual platinum credit card that comes in Visa and Mastercard. Apply online & enjoy privileges across.- ποΈ Enjoy 2 complimentary accesses per quarter to selected airport lounges in India
- π¬ 25% discount of up to βΉ150 on the purchase of 2 movie tickets on BookMyShow and Inox with the VISA variant
- πΏ Save on movie outings and relax at airport lounges with exclusive access and discounts
ICICI Bank Sapphiro
Enjoy 5,000 bonus Skywards Miles and up to 2 Skywards Miles for every INR 100 spent.- π Receive welcome vouchers for shopping and travel worth βΉ10,000 on payment of the joining fee.
- π Earn up to 20,000 PAYBACK Points from ICICI Bank Rewards every anniversary year
- ποΈ Enjoy 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express
ICICI Bank Emeralde
Earn Skywards Miles on your everyday spends. Get Unlimited lounge access worldwide, Unlimited spa access.- π Travel internationally with just one card
- π¨ No cancellation charges on domestic travel and hotel bookings
- π Enjoy the flexibility of selecting your membership plan
- βοΈ Convert your points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways, and Singapore Airlines
- β½ Make annual savings of up to βΉ3,000 on fuel surcharges with credit card waiver
- π‘οΈ Enjoy insurance coverage for any misuse of your card from 24 hours before reporting it lost, up to βΉ300,000
- π½οΈ Get 10% accelerated cashback on all dining, food delivery, and grocery spends (capped at up to βΉ1,000 per billing cycle)
- π΅ Enjoy 1.5% unlimited cashback on all other spends
- ποΈ Receive 4 complimentary domestic lounge visits per year (1 per quarter)
- ποΈ 2 RPs/Rs. 100 on All Retail Online Spends (1 RP = βΉ0.25)
- π‘ 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction)
- πΈ 1.5% Cashback on All POS Retail Spends at Merchant Outlets (Max βΉ100/month); For POS spends >βΉ6,667, earn 1 RP/Rs. 100
- β³ 8 Complimentary Golf Lessons/Games per Annum (Max 2 per Quarter)
- π¬ 16 Complimentary Buy-One-Get-One Movie Tickets per Annum
- π 5,000 RPs on Card Renewal Membership Fee Payment
- π 4 RPs/Rs. 100 on Grocery and Departmental Store Spends
- π¬ 2 RPs/Rs. 100 on All Other Merchant Categories
- π‘ 1 RP/Rs. 100 on Utility & Insurance Category Spends (Max 100 RPs per transaction, 1 RP = βΉ0.25)
- 1% cashback for spends on all other retail spends* (max. Rs. 50/month)
- 1% Fuel Surcharge waiver for trxn b/w 400-5000 (max. Rs. 100/month)
- Complimentary 2 per quarter Domestic Railway Lounge access
**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.