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Credit cards are one of the best ways to increase a person's purchasing power. They also offer rewards on your spending, such as cashback and discounts. To maximize these benefits, you should compare different credit card offers before choosing the right deal for you. Let’s take a look at features, benefits, and other important information about credit cards.

Features & Benefits of a Credit Card

Rewards Program: When you use your credit card, there is a reward program that allows you to earn points or other rewards.

Welcome Gift: Banks often offer new credit card applicants a welcome gift of bonus points, discounts, or vouchers.

Cashback Benefits: Some credit cards offer benefits for their customers, such as cashback. Travel benefits: There are some amazing travel benefits that credit cards offer, including air miles, airline offers, airport lounge access benefits, hotel offers and more.

Insurance Coverage: When you have a premier card, it provides comprehensive insurance coverage for incidents including air accidents, lost baggage and life.

Airport Lounge Access: Some credit cards offer complimentary airport lounge access to their holders. It also varies from one bank to another, which is why it's important that you compare various options before choosing the right card for your needs.

Balance Transfer: When you're applying for a new credit card, you can transfer the outstanding balance of your existing cards issued by one bank to the credit card account of another bank.

Fuel Surcharge Waiver: Banks offer the cardholders a fuel surcharge waiver if they spend a specific amount of money on fuel every month.

Different Kinds of Credit Cards

  • Shopping Credit cards
  • Travel Credit cards
  • Lifetime-free Credit cards
  • Fuel Credit cards
  • Rewards Credit cards
  • Entertainment cards
  • Co-branded Credit cards

When it comes to credit cards, every individual has a different need. You may want to earn generous cashback on all your transactions or save more on your fuel expenses. This is why choosing the right card becomes very important. To help you find the perfect credit card for your needs, we have put together a list of best credit cards in India, catering to popular interests like cashback, online shopping, travel and lifestyle.

Credit Card Annual Fee* Key features
HDFC Infinia Metal Credit Card Rs. 12500/- Best suited for travel and shopping
Induslnd Legend Credit Card Nil Best suited for lifestyle and travel
Yes Bank Exclusive Credit Card Rs. 999/-(Waved off on spending Rs. 2 Lakh in the previous year) Best suited for lifestyle and rewards
SBI Elite Credit Card Rs. 4999/-(Which is reversed on annual spend of Rs. 10 Lakh) Best suited for lifestyle, travel, and shopping
Kotak Royale Signature Credit Card Rs. 999 Best suited for travel and shopping
ICICI Emeralde Credit Card Rs.12000 Best suited for lifestyle

FAQ

A credit card is an essential financial tool. It enables its holders to make purchases and pay back the amount later. A bank-approved credit limit will give you a certain amount of purchasing power, which must be repaid on the due date that's mutually decided by both parties: The holder and their bank.

This is the maximum amount of money that one can spend on their card. Having a high limit for your credit card will allow you to spend more and help your score in return.

A good guideline would be that if your score falls below 750, then it's best not to apply.

If you're looking for a credit card, the best and easiest way to get one is to apply on our platform. It's easy to compare features and benefits, fees as well as interest rates from different cards before making your final decision.

Premium cards offer perks like airport lounge access, concierge service, air accident insurance, etc., as well as substantial annual fees. And of course, not all benefits are included in the fees; international travel comes with several attendant expenses on top of it!

There are many ways to check the credit card balance. One is by checking your monthly statement or logging in and viewing your net banking account online.

We have a range of credit cards without job requirements. Even if you do not have a job, you are eligible to apply for one with us.

Yes, a lot of credit cards come with airport lounge benefits. Some even have international lounge access in airports.

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