Apply for Best Credit Card

Credit Card

Get the best credit card that suits your requirement

Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.

+ More
हिंदी में पढ़े
Credit Card
4.2 / 5 (25622 Reviews )

Credit cards are issued by banks and financial institutions allowing the user to make purchases and pay for various services by borrowing money from them. Apart from providing the much-needed alternative to cash, credit cards also offer you benefits in the form of rewards, cash backs, interest-free period and much more. The demand for credit cards in the Indian market is growing rapidly and hence leading banks have launched plenty of card options for the customers to choose from.

There are a host of credit cards available in the market having different features and benefits linked to them. The most popular ones are travel credit cards, shopping credit cards, entertainment credit cards, fuel credit cardsco-branded credit cards, cashback credit cards, lifetime free credit cardspremium credit cards, and business credit cards.

Compare Best Credit Cards in India


Credit Card Annual Fee Key Features
HSBC Visa Platinum Credit Card Nil

10% cashback up to Rs. 2,000 on a minimum spend of Rs.10,000 within 90 days of card issuance

HDFC Bank Regalia Credit Card Rs. 2,500 Complimentary Priority Pass and Taj Epicure Plus Membership.
The American Express Membership Rewards®Credit Card Rs. 1500 Earn 1,000 bonus membership reward points on using card 4 times per month on a transaction worth Rs.1,000 each.
SBI Card PRIME Rs. 2999 Welcome e-gift voucher worth Rs. 3,000 redeemable at Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and
ICICI Bank Platinum Chip Credit Card Nil 1% fuel surcharge waiver on fuel transactions of maximum Rs. 4,000 at HPCL pumps.
American Express Platinum Reserve Credit Card Rs. 10,000 Get 11,000 Membership Rewards points as a welcome gift.
HDFC Regalia First Credit Card Rs. 1000 Complimentary Priority Pass Membership giving access to 850+ international airport lounges.
Citi PremierMiles® Credit Card Rs. 3000 10,000 Miles on the first spend of Rs. 1,000 or more made within 60 days of card issuance.
Standard Chartered Manhattan Platinum Credit Card Rs. 999 5% direct cashback on departmental stores and supermarkets spends.
SBI Card ELITE Rs. 4,999 Free Movie Tickets worth Rs. 6,000 every year


Apply for a Credit Card

Due to the rising demand for credit cards in the market, banks and financial institutions have made the application process quite easy for the customers. You can apply for credit cards both online and offline.

Apply Online

Nowadays, it is very easy to avail a credit card if you meet the eligibility criteria. You do not need to visit your bank branch for the purpose; instead, you can apply for a credit card online-

  • You can visit the web portal of the bank and apply for a credit card by filling out some basic details like name, email ID, contact number, income, address, etc.
  • You will get a call from a representative of the bank who will guide you through the process.
  • A representative will also come to collect your documents at your doorstep.

Apply Offline

People who are not comfortable with online methods of application can visit the bank branch directly to apply for the same.-

  • Just visit the branch and communicate about the type of credit card you need.
  • The representative will tell you about the cards that match your needs.
  • Then, you will have to fill the application form and provide some KYC documents such as identity proof, address proof, etc.
  • You will also be required to provide proof of income and two passport-sized photographs.

Compare and Apply for Credit Cards at Paisabazaar

For a digitally advanced generation, credit cards mean more than just plastic money. You can earn rewards and cash backs, travel deals, shopping benefits, dining discounts, and choicest perks. With so many cards available in the market, it is easy to get confused in a sea of options. is where you can find the right credit card in just 3 simple steps.

Step 1- Compare Offers

Find top credit cards by leading banks. Compare offers and fees on different cards to find one that suits your budget and lifestyle.

Step 2- Check Eligibility

Enter your personal information along with the details of the existing credit cards that you hold to check whether you are eligible. To know more, Click Here

Step 3- e-Approval

Fill out a basic form to get instant approval on your application.

Travel Shopping Fuel
Grocery Entertainment Co-branded
Rewards Cashback Student
Secured Balance Transfer Kisan


Travel Credit Cards- Several banks, nowadays, are offering travel-centric credit cards. These cards offer all the normal benefits along with an extra focus on travel-related features such as airport lounge access, air mile earnings, air accident insurance cover, etc. It is wise to put your travel expenses on these cards for earning more rewards and availing direct discounts at partner flights or hotel chains. Some of these cards may also offer low foreign exchange mark-up fees when you use them at international POS terminals or ATMs. To encourage users, travel credit cards may also offer extra reward earnings on travel expenses.

Shopping Credit Cards- These cards are more focused upon lifestyle benefits such as discounts on apparel, footwear, etc. Shopping credit cards are a viable option for frequent shoppers, especially those who would like to put their monthly expenditure on credit cards. Most of the cards in the market have been designed to offer shopping benefits to the users as it is the most common reason why people seek credit cards. Along with general shopping benefits, a shopping card can also be packed with a few other benefits such as domestic lounge access, milestone benefits, etc.

Fuel Credit Cards- As the name suggests, fuel credit cards offer extra benefits in the form of fuel surcharge waiver and bonus reward point earnings when you use them to refill your vehicle. Some banks have a partnership with a brand of petrol pump and you can get benefits only when you refill at those stations whereas some banks offer benefits at all fuel pumps. The amount of surcharge waiver depends on the type of card you have.

Grocery Credit Cards- If you shop for groceries using your credit card, it is better to get a grocery credit card. These cards offer extra reward points or cash back at select supermarkets and departmental stores helping you save more on groceries. Just like shopping credit cards, grocery cards can also offer some other privileges like milestone benefits, lounge access, concierge facility, etc. At the same time, there may be other cards that offer grocery rewards as an additional benefit over and above a focused benefit.

Entertainment Credit Cards- For those who love to go to movies, concerts, and events, entertainment credit cards are a great option. These cards offer extra rewards and cashback when you pay for a movie ticket booking. Some of these cards are co-branded with platforms like BookMyShow. Usually, the offers on entertainment credit cards keep changing so you must stay updated with the latest offers on your card to make the most of it.

Co-branded Credit Cards- Some credit cards are co-branded with airline, hotel, store or other brands. When you shop at their partner brands, extra rewards and cashback will be offered to the user. An example of a co-branded card is Air India SBI Signature Credit Card. It gives you extra benefits when you book Air India Flight Tickets. Complimentary access to Air India’s Frequent Flyer Program- Flying Returns adds to the co-branded benefits.

Rewards Credit Cards- Credit cards that offer extra rewards than usual are known as rewards credit cards. Such cards may also offer bonus reward points as milestone benefits when you reach a particular spending level. Bonus rewards may be offered as welcome benefit as well. For example, Citi Bank Rewards Credit Card offers 1 reward point for every ₹ 125 spent on the card. It offers up to 2,500 bonus reward points as a welcome benefit and 300 bonus reward points on reaching monthly spend of ₹ 30,000. Such cards can be really useful for those who frequently use their cards for shopping, dining, etc.

Cashback Credit Cards- Some leading banks offer cash back credit cards that provide instant cashback on certain types of cards. Citi Bank Cashback and HDFC MoneyBack are the two most popular cashback credit cards. Cashback can be availed in two forms- either a portion of the amount spent will be directly reversed into your credit card account or you will earn rewards and you can convert it into direct statement credit.

Kisan Credit Cards- A relatively new addition to the types of cards offered by leading market players, Kisan credit cards in India are provided to rural farmers in India so that they can get access to credit at preferred interest rates. Mostly, Kisan credit cards are offered by public sector banks to help farmers avail credit at reasonable rates and through organized channels.

Student Credit Cards- The student credit card market in India is still in its nascent stage but banking on the probability of growth in the not so distant future. Some card issuers have started introducing these. These cards are on offer only to students who are 18 or older and enrolled in full-time education at an institute.

Balance Transfer Credit Cards- This type of card is generally taken to pay off any outstanding amount on one card with the other. In this category, several cards also offer interest-free periods. Other benefits on these cards may be similar to a regular credit card. Lenders in India usually do not promote their credit cards from a balance transfer perspective. They offer a range of cards with the balance transfer benefits already on them and the user can get the same for transferring overdue balances on other bank’s credit cards.

Secured Credit Cards- These can be a great option to start your credit journey. Offered against fixed deposits, secured credit cards come with some basic benefits. Banks can close your FD in case you default on bill payments. These FDs, in turn, are lien marked and therefore, you cannot close them as long as you hold the secured card issued. Usually, banks provide up to 85% of the FD as the credit limit. A secured card works like a normal credit card while you continue to earn interest on your fixed deposit.

With a number of credit cards available in the market offering a variety of benefits, choosing the right card depends mainly on where your major spending pattern lies. There are a few features that you should take into account before you compare credit cards and decide which one is the best for you.

Cashback: Cashback is an option available with a number of cards. Under this scheme, your purchases will also give you back some credit on your account. Checking which cards have a cashback option is beneficial in the long run.

Interest Rates: It is important to check the applicable interest rates of different cards. Even though one might have the best intentions, delayed payments are not that uncommon. So, with a lower interest rate, you will lose less if the payments are delayed.

Discounts: A number of card issuers offer discounts on various goods and services that are purchased through their own or partner organizations.

Reward Schemes: Reward schemes are a prevalent benefit of credit cards and different cards offer points or benefits at particular vendors. So choose cards with rewards programs that suit your needs and match your spending patterns.

Card Fees and Charges: It is important that you check all the applicable charges like the annual fees, reward point fees, fees for exceeding the credit limit, international transaction fees, cash advance fees, etc., and not just the interest rates before choosing your right card.

Payments: Another aspect to keep in mind is to take a look at the minimum repayment value required by the card-issuing institution, as well as the length of the interest-free period (if any).

Normally, a credit card comes with the following features-

An alternative to Cash: Having a credit card is a very safe and convenient alternative to carrying a bundle of cash. It can make shopping hassle-free and will also ensure the safety of money.

Emergencies: Whether there is a medical emergency or some other kind of urgent cash requirement, credit cards can provide help by making immediate credit available under such circumstances.

Making Big Purchases: The whole concept of ‘buy now pay later’ makes it rather easier for people to make some big purchases and setting up an EMI payback method with their banks.

Build Your Credit Score: One of the biggest advantages of owning a credit card is that it is easy to build a credit history by making regular transactions on the cards. Also, repaying all your dues in time will help improve your credit score which, in turn, can help you in getting loans in the future. Many times loan applications are rejected because the applicant doesn't have a credit history and having a credit card is one of the easiest ways to build your credit history.

Secure Transactions: New credit cards feature the chip and pin system, which adds to their security, hence they are safer than carrying around large amounts of cash and also save you from fraudulent transactions. In case of online transactions, a two-tier authentication system is followed, where apart from the information on the card such as card number, expiry date, and CVV, an OTP or secret password is also required to complete the online transaction which is sent to your registered mobile number.

Track Your Purchases: When using cash, it becomes difficult to keep track of the purchases. However, with cards, you can easily maintain a track record of the transactions that you have made with the help of the monthly statement.

Components of a Credit Card

A credit card is not all about the number and chip; there is a lot more information on the front and back of a card. Before using a card, you must know the different parts of it.

Front of a Credit Card

The front side contains the following information.

Card Number- It is a 16-digit number that identifies your credit card account with the bank. In the case of Amex Credit Card, the card number will only have 15 digits. You need to provide this number when making online purchases. This number is unique for every card hence you should never share it with anyone else.

Expiry Date- This is also mentioned on the bottom of your card. This is the date through which your card remains valid.

Bank Logo- This section includes the branding of your bank. It can be on the top right or top left corner of your card.

Card Name- Banks launch different series of cards and the same will be mentioned on the card itself. For example, in the case of HDFC MoneyBack Credit Card, HDFC Bank is the lender branding and MoneyBack is the card series name.

Cardholder’s Name- The primary user’s name is also mentioned on the front side of the card at the bottom.

Chip- The magnetic strip cards have now become outdated and the new cards have a smart chip on the front side. This helps in preventing fraudulent activities like card cloning.

Network Logo- Your card would belong to any of the four payment networks- Visa, MasterCard, American Express or Discover. The logo of the same would be on the front side of your credit card.

Contactless Sign- If you have a Contactless Credit Card, you would find a sign for the same on the front. You can use a contactless card just by waving it near an NFC-enabled POS machine without having to swipe it.

Back Side of a Credit Card

The following information is available on the back of your card-

Magnetic Stripe- This stripe contains your card details and plays a major role in making payment at POS Terminals. When you swipe your card, information is sent to the bank through a payment network to authorize the transaction.

CVV- You will also find additional security code CVV on the back-side of your card. You are required to mention it at the time of making an online payment.

Signature Panel- There is a small panel given underneath the magnetic stripe where you are required to sign. You must sign your card before you start using it.

Hologram- You will also find a mirror-like hologram on the backside of your card. It usually has an image printed on it which is visible when you change the viewing angle. This helps merchants identify valid cards.

Bank Contact Information- The backside of your card also contains some contact information of the bank. It also includes an address to which the card must be returned if found unattended.

Terms and Conditions- If your card has any important terms and conditions related to its usage, the same would be mentioned on the back. For example- “Not valid for payment in Foreign Exchange in Nepal and Bhutan”.

Credit Card Eligibility Criteria

The eligibility for a card differs from provider to provider. However, the basic criteria are as follows:

  • You should be at least 18 years old.
  • Whether salaried or self-employed, you must have a regular source of income to pay back your bills (minimum income bracket differs from one card to another).
  • You must not have a bad credit history.

Documents Required

The documentation requirement also varies from issuer to issuer, some of the key documents required to apply for a credit card are as follows:

Identity and Signature Proof- Passport, PAN card, Driving License, Voter ID card, Aadhaar card, employee identity card in case of government employees.

Address Proof- Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/ electricity/ water/ credit card bill or Property tax.

Age Proof- Voter ID card, Secondary School Certificate (class 10), birth certificate, Passport, Aadhaar Card, pension payment order or Receipt of LIC policy.

Income proof for Salaried Individual: Latest 3 months' salary slips, Salary account bank statement for six months.

Income proof for Self-employed businessmen/professionals: Latest IT Returns with computation of income and other certified financial documents along with business continuity proof.

Cardholders can enjoy the following benefits-

Welcome Offers: Most banks offer cardholder different types of welcome benefits. These benefits may come in the form of gift vouchers, discounts or bonus rewards points and can be availed by activating the bank credit card within a stipulated time period.

Reward Points or Cash Back: Every time you make a purchase on your card, you receive a few reward points or direct cashback credited to your account. The accumulated reward points can be redeemed to avail free gifts and merchandise whereas cashback rewards are directly applied to your card account. If you have a travel credit card, you may earn air miles instead of reward points which can be redeemed at the time of booking flight tickets.

Fuel Surcharge Waiver- This benefit can be availed on almost all credit cards, nowadays. And with fuel-centric cards, extra perks may be offered. Whenever you refill your vehicle, the surcharge will be waived off provided that you spend a certain amount.

Airport Lounge Access- Some credit cards also offer a certain number of complimentary lounge visits in a year at domestic airports as well as international airports. Travel-centric cards and premium cards especially offer these benefits.

Insurance- Credit cards also offer insurance and cover accidents up to a certain amount. it may be an air accident coverage, lost card liability cover or an overseas hospitalization cover.

Cash Advance- You can also withdraw cash directly from an ATM using your credit card. This is quite beneficial in times of emergency when you need some urgent cash.

Credit cards attract a lot of fees. The two main charges that you are required to pay are joining fees and annual fees. Here are joining fee and annual fee on top 10 credit cards in India-

Credit Card Joining Fee* Annual Fee*
HSBC Visa Platinum Credit Card Nil Nil
HDFC Bank Regalia Credit Card Rs 2,500 Rs 2,500
American Express Membership Rewards Credit Card Nil Rs. 1,500 +GST
SBI Card PRIME Rs 2,999 Rs 2,999
ICICI Bank Platinum Chip Credit Card Rs 199 Rs 99
American Express Platinum Reserve Credit Card Rs 5,000 + GST Rs 10,000 + GST
HDFC Regalia First Credit Card Rs 1,000 Rs 1,000
Citi PremierMiles® Credit Card Rs 3,000 Rs 3,000
Standard Chartered Manhattan Platinum Credit Card Rs 999 Rs 999
SBI Card ELITE Rs 4,999 Rs 4,999

*Subject to change periodically as per card issuer’s policies.

Apart from these two charges, there are several other charges that cardholders should know about. These include Extended Credit Charges, Cash Advance fee, Overlimit Charges, Late Payment Fee, etc.

  • Duplicate Statement Fee- A fixed sum charge that is applicable if the customer asks to receive a duplicate statement in physical form.
  • Late Payment Charge- This amount is a penalty that is to be paid over and above the interest charges applicable. This fee is payable if the cardholder does not make timely payments.
  • Cash Withdrawal Charges- The cash withdrawal interest is an amount that is charged in case the cardholder uses their credit card to make cash withdrawals against their card.
  • GST- The Goods and Services Tax (GST) is charged on any of the expenses that are made using a credit card. GST depends on the value of the transaction that is inclusive of interest, fees and other charges.
  • ECS or Cheque Return Charge- This is a fixed amount that is to be paid by the cardholder in case of ECS failure or cheque bounce.
  • Foreign Currency Transactions- This fee is a defined percentage of the transaction value for any transactions that are made on foreign land.
  • Over-limit Fee- If the cardholders' fees, purchases or finance charges exceed their credit limit, an over-limit fee is charged from the cardholder.

There are numerous card issuers in the market offering several benefits and features on their cards. So, it is a difficult task for an individual to find the perfect card. Here at, you can compare the credit cards available in the market and choose the one that best matches your preference.

Here are a few reasons why you must apply for a credit card through

Comparison- You should never choose the first credit card that you come across. Financial decisions need thorough research and comparison. is a platform where you can compare four cards at a time. Know about the net savings that you can make on each card, annual fees you will have to pay, reward points, general and luxury benefits, insurance, etc. Every card has been marked with what it is best for such as shopping, dining, fuel or travel. This will help you find the perfect card for yourself.

Simple Application Process- With, your credit card is just a few clicks away. You do not have to visit different bank's websites to apply separately. Compare, find and apply online without any hassles.

Customer Support-'s customer support team is always there to listen to the customer’s queries related to credit cards and resolves them at the earliest.

Given below are the top banks offering credit cards in India-

Bank/Financial Institution Top Credit Cards Annual Fee Range*
SBI Card SimplyCLICK SBI Card
Air India SBI Signature Card
Rs. 499 - Rs. 4,999
American Express American Express Platinum Reserve Credit Card
The American Express Platinum Travel Credit Card
The American Express Membership Rewards Credit Card
Rs. 1,000 - Rs. 10,000
HDFC Bank Regalia HDFC
MoneyBack HDFC
JetPrivilege HDFC Bank World
Rs. 500 - Rs. 10,000
ICICI Bank ICICI Bank Coral Contactless Card
ICICI Platinum Chip Card – Visa
Ferrari Platinum Credit Card
Rs. 0 - Rs. 5,000
Axis Bank Axis Bank Vistara Credit Card
Axis Bank Vistara Infinite Credit Card
Axis Bank Vistara Signature Credit Card
Rs. 1,500 - Rs. 10,000
RBL Bank RBL Platinum Maxima Card
RBL Platinum Delight Credit Card
RBL Titanium Delight Card
Rs. 750 - Rs. 2,000
Standard Chartered Bank Standard Chartered Manhattan Platinum Card
Standard Chartered Platinum Rewards Card
Standard Chartered Super Value Titanium Card
Rs. 250 - Rs. 5,000
Citi Bank Citibank® Rewards Card
Citi PremierMiles® Credit Card
IndianOil Citi® Platinum Credit Card
Rs. 500 - Rs. 3,000
IndusInd Bank IndusInd Bank Platinum Aura Credit Card
IndusInd Bank Chelsea FC Credit Card
Rs. 0 - Rs. 1,099
YES Bank YES FIRST Preferred
YES Prosperity Edge
YES Prosperity Rewards Plus
Bank of Baroda Bank of Baroda Premier Credit Card
Bank of Baroda Select Credit Card
Bank of Baroda Easy Credit Card
Rs. 500 - Rs. 1,000

*Subject to change periodically as per card issuer's policies.

Every time you use your credit card, you earn some reward points. Accumulated reward points can be redeemed against gift vouchers, merchandise or a direct statement credit. The rate of rewards differs from one card to another and also based on spending. For example, some cards may offer extra rewards on grocery spend while another card may give you more rewards when you book flight tickets or hotels.

The table below shows reward points offered on top 10 credit cards in India-

Credit Card Reward Points
HSBC Visa Platinum

2 Reward Points per Rs 100
3X points on dining, hotel, and telecom for 3 months

HDFC Bank Regalia

4 Reward Points per Rs 150
9 Club Vistara Points per Rs 100 spent on Vistara Airlines

American Express Membership Rewards 1 Membership Reward Point  for every Rs 50 spent across all categories except cash advance, fuel, utility, and insurance

2 Reward Points per Rs 100
5X Points on Dining, Groceries, Departmental stores, and Movies

ICICI Bank Platinum Chip

2 PAYBACK Point per Rs 100 on all categories except insurance and utility bill payment

American Express Platinum Reserve 1 Membership Reward Point  for every Rs 50 spent across all categories except cash advance, fuel, utility, and insurance
HDFC Regalia First 4 Reward Points per Rs 150
SBI Card Elite

2 Reward Points per Rs 100 on all categories except fuel
5X Rewards on Dining, Grocery and Departmental Store Spends

Citi PremierMiles®

4 Miles per Rs 100
10 Miles per Rs 100 on airline transactions

Standard Chartered Manhattan Platinum 3X Reward Points on all expenses

Some cards offer cashback instead of reward points. These are credited directly into your credit card account, unlike reward points that have to be redeemed. Some of the best cashback cards in India are HDFC MoneyBack, Citibank Cashback, IndusInd Pinnacle, and Standard Chartered Manhattan Platinum.

There are various factors that can affect the credit card interest rates and interest is applied on any balance you owe on your card. Credit card interest rates are the highest among various debt instruments available to the customer. In most cases, interest rates start at 18% and may go up to 45% annually based on various factors such as the type of card, card issuer policies and various other factors.

Interest rates charged on some popular cards are given in the table below-

Credit Card Interest Rate
HSBC Visa Platinum

3.3% p.m. (39.6% p.a.)

HDFC Bank Regalia

3.49% p.m. (41.88% p.a.)

American Express Membership Rewards

3.5% p.m. (42% p.a.)

SBI Card PRIME Upto 3.35% p.m.(40.2% p.a.)
ICICI Bank Platinum Chip

3.40% p.m. (40.80% p.a.)

American Express Platinum Reserve

3.35% p.m. (40.2% p.a.)

HDFC Regalia First

3.49% p.m. (41.88% p.a.)

Citi PremierMiles® From 37.20% to 42.00% p.a.
Standard Chartered Manhattan Platinum 3.49% pm (41.88% p.a.)
SBI Card ELITE Upto 3.35% p.m.(40.2% p.a.)

Credit card is simply a form of loan. The financial institution or the bank which is issuing these cards is normally extending its customers a line of credit. In exchange for this, the customer or the card holder is required to pay the issuer the amount in monthly installments with interest along with an annual fee for the card.

Credit card debts are normally unsecured as the applicant is not required to give any collateral or mortgage any asset to receive these funds. The financial institution or the bank which issues the card basically judges the creditworthiness of an individual and then decides to issue him a card with particular limits and features.

A card-issuing company (bank or NBFC) enters into agreements with various merchants for them to accept their cards. The card issuer issues a credit card to their customer. When a bank issues a card, a revolving credit line is created for the customer and this line of credit may be used by the cardholder to make purchases or to get cash advances by using his cards as ATM cards. The cardholder then receives a monthly bill that can be paid off before the due date without incurring any interest for using the credit provided by the card issuer.

When a purchase is made, the cardholder is basically agreeing to pay the card issuer the amount that has been incurred, at a later date. While making a purchase, the cardholder has to swipe the magnetic stripe of the card on a card machine at the shop. The merchant copy of the receipt generated needs the card holder's signature for validation. Newer cards feature the more secure chip and pin system, where the chip on the card is read by the merchant's card machine and a four or 6-digit pin is required to complete and validate the transaction.

Apart from using the card through a physical presence, as discussed above, the booming online shopping industry has also benefited hugely through the availability of credit cards. Key details required for completing an online transaction using a credit card include the card number, the card expiry date, the CVV number on the back of the card and a special transaction password or one-time password sent to the user’s registered mobile number.

The main reason why people wish to take a credit card is so that they can convert their high-value purchases into easy Equated Monthly Instalments (EMI). So, what are these EMIs? EMIs are used to pay off both interest and principal on your borrowing so that over a while the entire loan is paid off in full.

Credit card EMIs can be calculated manually or using an excel sheet to cross-check whether your bank is charging you fairly. EMIs can be calculated manually or using an excel sheet to cross-check whether your bank is charging you fairly

For calculating EMIs, you will need the following information-

P = Principal

R = Rate of Interest (this should be the monthly rate and not the APR)

T = Tenure of the Loan

For calculating the EMIs in Excel Sheet, you should use this formula- PMT (rate,nper,pv). The result will come in negative or red highlight, which indicates that it is cash outflow.

The formula to be used for manual calculation is

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]

Here, P stands for the principal loan amount, R is the interest rate per month and N is the number of monthly installments. Using the above formula, you will get the same result as you got from the excel sheet.

However, both these calculations are lengthy and complicated. A simpler method is to use our EMI calculator to find out the EMI that you would have to pay per month using the above three components- Principal, Rate of Interest and Tenure of Loan.

When it comes to getting your first credit card, it is usually one that is associated with your salary account. Most of the time, this card is taken without any research into the features and the benefits, and without much comparison. Of course, all cards are not the same, which would make one wonder whether their card is the best card for them. Taking a new card, or getting an upgrade seems like the obvious solution to this, so here are the factors that you should consider before you opt for a new card:

Credit limit

If you upgrade your present card, you will be choosing an increased credit limit. Getting a new card, on the other hand, will raise your overall credit limit. This would imply that you would be able to spend more without putting an undue burden on your credit usage.

Spending value

This depends on the type of card that you choose. There are several benefits that you can avail from the numerous offers and rewards. If you already have a card that offers you benefits on fuel, maybe the next card you choose could have rewards on shopping or dining. In other words, do your research and apply for a card that covers benefits on spends that were not previously covered.

Credit Score

It is a fact that if you utilize the credit limit of a card or multiple cards up to 50% of the overall limit, it harms your overall credit score. It is not an uncommon occurrence and if you are one of the people who fall in this category, getting your card upgraded or getting a new card will make sense for you. With this, as long as you can keep your expenses under check, you will not have to worry about putting stress on your credit score.

Loan approval

An increased credit limit can sway a lot of people into extra expenses. But if you can resist that and keep your expenditure in control, it will reduce your risk factor and you will be viewed as a 'safe' borrower by the banks. The simple reason behind this is that you show limited card usage and have access to more credit; this will improve your credit score gradually. A good CIBIL score, in turn, will enable you to get quick loan approvals. You will also be able to receive negotiated interest rates on loans.

Cash flow management

An additional credit card can help you in better managing your cash flow. You can ensure that you can manage your monthly budget perfectly with a simple step. Ensure that the new card that you take has a billing cycle that is different from that of your present card. If you have a billing cycle for your present card that is billed at the end of a month, when you apply for a new card, opt for a billing cycle that is billed mid-month. This way you will be able to split your expenses.

Annual fee, penalties, and interest rates

One of the main factors that you should consider is that by taking a new card your total annual fee will increase. The same is the case when you upgrade your card. With an upgrade, you will also see a hike in the annual fee that you are already paying. The penalties that are applicable to exceeding the credit limit will also increase, along with the charges imposed on ATM withdrawals or purchases made overseas. If you are unable to make the repayments on time, you will also be charged a greater interest rate on the outstanding balance.

Upgrading your card or even applying for new cards may seem like a great idea, but it is a decision that must be taken only after due consideration of your needs and capabilities. Frequent upgrading or getting new credit cards will make you seem as financially irresponsible and will end up affecting your credit score.

Add-on credit cards are issued under a primary credit card and all transactions are directed to a single account for the payment of dues. It is useful for students who are living away from their parents and also for those who cannot have a card of their own. Add-on cards (supplementary card) facility is mostly offered on premium cards.

Mostly, the credit limit on an add-on card is the same as that of the primary card, but according to certain bank conditions, the credit limit for supplementary cards is set lower than that of the primary card. If you have been issued more than one add-on card, the sub-limit decided will be distributed equally among the add-on cards to match the total limit of the primary card. This sub-limit will also apply to any ATM withdrawals. The terms and conditions related to add-on cards may vary from one bank to another.

The information about all the transactions that will be conducted is recorded on one primary account. So if you hand over the additional card to someone else, you can also keep track of the withdrawals and transactions along with the exact dates.

Benefits of Add-On Credit Card

Add-on cards mostly enjoy the same reward programs as the primary cards. This, however, may vary with each issuing bank, but the basic benefits are:

Use: Most cards allow the cardholder to use these cards in India as well as in foreign countries for conducting various transactions like shopping. Supplementary cards too offer cardholders the same benefits. Both online and offline shopping can be done with add-on cards.

ATM Facilities: The withdrawal limit set on a supplementary card may be the same as the primary card, or it might be less. But supplementary cards too have the option for a cash advance. This implies that the cardholder can withdraw cash from the ATMs at any time of the day.

Reward Points: Reward or bonus points are added to your account each time you swipe the card. After you have accumulated a certain amount of reward points you can avail of a benefit or a boost from your bank. All supplementary cards also have the same features, the same amount of reward points are given for subsequent swipes, as is the case with the primary card.

Monitor Usage: Monitoring the usage, spending habits and transactions made via a supplementary card is very easy as all cards are basically under the same account.

Independence: Supplementary cards given to children or even parents provide them with financial freedom. These cards are also very useful in case of emergencies.

Easy Tracking: All transactions of supplementary cards and primary cards are recorded in the same statement. This can help the cardholder in easy tracking.

Ineligibility due to income

All credit cards have varying requirements for the minimum income of an applicant. If you do not meet that minimum requirement, your application may get rejected. It is recommended that you should try to search for cards that are aligned with your income bracket to avoid any rejection on this basis.

Residence/Office location

Surprising as it may sound, the area where you reside or where your office is located, also plays a role in the acceptance of your credit card application. Banks have a list of areas that are blacklisted and where they do not provide any services.

Incorrect Information

False or even incomplete information on your application form is also one of the reasons that your application gets rejected. The bank will not call you to supply any missing information, but will straight away reject it. So, it is a good idea to spend some time going over your filled application form and correcting anything that seems out of place, wrong, or incomplete.

Discrepancies in the Credit Report

When a change is to be made in your credit report, it usually takes some time. It is also possible that some previous debt of yours that have been cleared are not updated on your credit report. So before applying, make sure that you go through your CIBIL score and report, and inform the authorities if there is any discrepancy in your report.

Bad credit history

Credit history is what shows your prospective card issuer your risk perception. The following are a few of the situations that would show you as a risky customer:

  • Too many loans: If you already have too many loans, the issuer would presume that your finances are already stretched thin and that will cast doubts on your repayment capabilities.
  • Too many applications: Applying for several credit cards simultaneously will make you come forth as desperate and again cast doubts on your repayment capabilities.
  • Excessive usage: If you use your card excessively and tend to exhaust your credit limit, or even if you use up to 50% of the credit limit on several cards, you will be deemed as financially unstable.

Credit Score

This is one of the most common and obvious reasons for the rejection of a credit card application. You might not have debts presently, but if your payment history reflects that you use your credit card excessively and tend to exhaust your credit limit, or even if you use up to 50% of the credit limit on many cards, you will be deemed as financially unstable. This will ultimately affect your chances of approval.

With PaisaBazaar you can apply for a credit card online. Just visit our website and check whether you qualify for a card or not. Once you check your eligibility for a credit card online at Paisabazaar, it displays a list of popular cards based upon your eligibility. You can then go in for a comparison which helps you to make an informed choice. Post comparison, you can apply for a credit card online at Paisabazaar.

Paisabazaar gives you the leading-edge, here's how:

  • You can check your credit card eligibility
  • Go for an exhaustive credit card comparison
  • Apply online for a credit card, regarding the eligibility we offer you the best credit cards in India
  • You can then compare cards against different criteria
  • Finally, you can choose from the list of best credit cards in India

About Credit Cards

When you make a purchase using your credit card, you are essentially taking out a short-term loan. The interest that applies to this loan will depend on when you pay it back. If you can make payment before the due date, there will be no interest charged. Credit cards also have a small grace period before the payment is due in any billing cycle, which can be around 30-45 days. Paying before the end of the grace period will help you avoid any interest while paying less than the total balance will accrue interest on the average daily balance.

Why get a credit card?

With many benefits supporting credit cards, the most important one is that it can help you build your credit score. Good credit, in turn, will help you obtain loans much easily in the future and also negotiate for a lower rate of interest. It also helps in getting lower insurance premiums. Apart from this, there are some cards with rewards programs that can offer cardholders with many extra benefits like reward points, shopping benefits, etc.

Grace Period/Free-Credit Period

Say you have a billing cycle of 5th January through 4th February, and the due date is 1st March, then any purchases that are made within the period will remain interest-free until the due date. This is the grace period that is offered for credit cards in India, after which the balance will be subject to interest. Any cash advances that are taken on your card do not enjoy the benefit of a grace period.

Interest Rate

If the cardholder does not pay the total amount due before the due date, the entire outstanding balance will attract the applicable rate of interest. Not just the balance, any new spending on the card will also have these interest rates applicable until the entire balance has been paid off. However, in the case of a cash advance, unless the cardholder pays off the entire bill balance each month, there will be no grace period for them. Low-interest cards are available, and should always be looked into whenever you compare cards. When the cardholder does not pay the bills on time, then interest is applied to it which leads to the accumulation of debt. Being late on paying the bills is referred to as default. Late penalty fee can also be applied to the accumulated debt.

Understanding Credit Card Numbers

On the front side of your card, 16 numbers are unique to your card. American Express and Diner Club cards have 15 digit numbers. These are not just random numbers; you will be surprised to know that every single number carries a specific meaning. Card numbers are assigned by the International Standards Organization (ISO). Let us break down these numbers and understand what they mean.

The first six digits of the card are a combination of Major Industry Identifier (MII) and the Issuer Identifier Number (IIN). It is only the first number that defines the major industry, that is, the banking and financial industry. Some other popular MII are-

  • 3 for Travel and Entertainment
  • 4 for Banking and Financial (VISA)
  • 5 for Banking and Financial (Master Card)
  • 6 for Merchandising and Banking

The first number (MII) along with the next five numbers represents the exact identifier. These six digits are together known as the Bank Identification Number (BIN).

Next is the account number which identifies the user. Different banks and card issuers may have different lengths and number sequences when it comes to the account number of the user. The next part of your card number is the checksum, also known as the ‘Luhn Algorithm’. This algorithm was awarded as a US patent to IBM Scientist Hans Peter Luhn. It is used to confirm the initial digits of a credit card and prevents casual attempts to make up new card numbers. This is how you can implement this formula-

Step 1- Double every odd number on the card starting from the right. Suppose your card number is 4321 4456 9212 7754. 5x2=10, 7x2=14, 1x2=2, 9x2=18, 5x2=10, 4x2=8, 2x2=4, 4x2=8(10, 14, 2, 18, 10, 8, 4, 8) - This is the sequence you get.

Step 2- Now add these digits to the un-doubled numbers. Add the double-digit numbers to form a single one. For example, if it’s 14, the single-digit will be 1+4=5. So now the sequence is- (1, 5, 2, 9, 1, 8, 4, 8).(1+5+2+9+1+8+4+8) + (3+1+4+6+2+2+7+4) = 67

Step 3- If the number you have got from step 2 is not divisible by 10, the credit card number is fake.

Since the above number is 67 and it is not divisible by 10, this credit card number that we started with in step 1 is fake. Apart from these, a CVV and issue and expiration dates are assigned to your card. CVV are security codes for different card providers.

Credit Card Bill Payment

When you get a credit card, a billing date will be mentioned on the document provided with the card. This is the date on which your bill will be generated for the given billing cycle which you are required to pay on or before the due date. The outstanding amount on your card will be shown as- Minimum amount due and total amount due. The total amount due is what you are required to pay. However, if you cannot afford to pay the total outstanding amount, the bank gives you the option to pay the ‘minimum amount due’. When you pay the minimum due amount, no late payment fee will be levied. However, the bank will charge interest on the remaining balance for as long as it stays in your account. So it is advised to always pay the total amount due on your card so you can save on the late payment fee as well as interest charges.

Making a late payment on credit cards can also dip your credit score. Your credit report has a section for ‘Days Past Due’ which records the number of days after the due date during which the amount remained outstanding in your credit account. This leads to a low credit score which in turn makes it difficult for you to get loans in the future. Some important terms related to your credit card are-

Total Amount Due- This is the total amount that you have to pay for your card.

Minimum Amount Due- This is the minimum amount you must pay to avoid any late payment charges.

Billing Date- This is the date on which your card statement is generated.

Billing Cycle- This is the period between two billing dates.

Due Date- This is the date on or before which you should clear your dues.

Reward Point Balance- This is a total number of reward points in your account.

Q: Do all credit cards feature an annual fee and joining fee?

Ans: No, not all cards attract an annual fee and/or a joining fee. In the case of basic credit cards, there is usually no annual fee; however, cards that have an annual fee often provide more benefits than the zero annual fee cards.

Q: Can I get cash from the ATM using my credit card?

Ans: This facility is known as a cash advance. You can withdraw a part of your total credit limit as cash from an ATM. But such cash withdrawals carry additional charges and feature a higher interest rate than your card-based purchases.

Q: Can my credit limit increase later on?

Ans: Credit limits are revised from time to time by the card issuer. This usually takes into account your previous payment track record; however, your limit may also be downgraded if you have missed multiple payments on previous bills.

Q: What is a secured credit card?

Ans: A secured credit card is one that is issued against an asset say Fixed Deposit. It can be a good beginning for those who are not eligible to get a normal (unsecured) card. Leading banks like SBI and HDFC offer secured cards against fixed deposits.

Q: What is the difference between rewards and cashback?

Ans: Rewards can be earned in the form of points that can later be redeemed against gift vouchers or statement credit whereas cashback comes directly into your card account. Most of the cards offer rewards and only a few provide cashback facilities.

Q: What are the basic eligibility criteria for credit cards?

Ans: Banks have varied eligibility requirements when it comes to credit cards. The criteria also vary from one card to another. However, the basic criteria that an applicant is required to meet include age, income and credit score/history.

Q: What is a premium credit card?

Ans: Premium credit cards offer extra benefits on lifestyle, travel, entertainment, dining, etc. and they also charge a substantial annual fee. International airport lounge access, concierge service, air accident insurance are some premium card features.

Q: What is the credit card balance transfer?

Ans: Some credit cards offer the facility of transferring outstanding balances on other cards, consolidate the debt and pay back in EMIs. Banks also offer low introductory offers to encourage users to transfer balances from other cards.

Q: Are co-branded credit cards available in India?

Ans: A number of banks have collaborated with different brands to offer co-branded credit cards in India. Air India SBI Signature Card, JetPrivilege HDFC Bank World and Ferrari Platinum Card by ICICI Bank are some co-branded credit cards in India.

Q: What are milestone benefits on credit cards?

Ans: Banks offer cardholders bonus rewards or shopping vouchers on reaching a particular spending limit within a specific period. This is termed a milestone benefit.

Q: My Credit Report does not show information on my new credit card. Why?

Ans: Usually, it takes up to three months for a new loan or credit card to reflect on your credit report. If it does not reflect even after three months, you should contact either your bank or the credit bureau.

Q: What is a lost card liability cover?

Ans: This is a zero liability benefit offered on most of the cards under which the card user will not be liable to pay any amount against the expenses occurred during the period between card loss and the user informing the bank.

Q: Do credit cards come with specific cash withdrawal limits?

Ans: Yes. The cash withdrawal/advance limit on your card is pre-set and communicated at the time of credit card approval.

Q: How to read a credit card statement?

Ans: The main components of a credit card statement are statement date, payment due date, total amount due and minimum amount due. These are mentioned usually at the start of the statement. The second part contains detailed information about transactions.

Q: What is the minimum amount due?

Ans: If you cannot pay the entire outstanding amount, the bank gives you the option of paying a minimum amount after which you will not have to pay any late fee. However, interest will be charged on the remaining balance.

Q: How can I pay my credit card bill?

Ans: There are various ways to pay your bills such as net banking, mobile banking, bill desk, NEFT, cheque, etc. Alternately, you can also walk into the nearest bank branch and make an upfront payment over the counter. However, cash payment attracts a certain fee.

Q: What does credit limit mean?

Ans: The credit limit is the total amount sanctioned by the bank on your credit card. This is the maximum amount you can use on your card. The bank decides the credit limit on the basis of your credit score, income and maximum limit on your existing credit cards. You can request a limit enhancement after a few years of usage but the approval of it will be at the bank’s discretion.

Q: What is the difference between a credit card and a debit card?

Ans: The basic difference between a credit card and a debit card is that debit card is connected to your savings or current account whereas credit card is a type of loan taken from the bank. In case of a debit card, the amount is directly deducted from the connected savings/current account and there are no interest charges on its usage. However, in the case of a credit card, the amount is deducted from your credit limit.

Q: Do credit cards offer protection against fraud?

Ans: Credit cards are secured with chip and PIN, thus reducing the chances of fraud. Every time you make an online payment, you receive an OTP on the registered mobile number which you can use to authenticate the transaction. Most of the credit cards come with zero lost card liability cover which means if your card is lost or stolen and you inform the bank immediately, the card will be blocked. This way, the cardholder has limited liability in case of such fraud.

Q: What is the credit utilization ratio?

Ans: This is the ratio of your card usage to the total credit limit on your credit card. For example, if the total credit limit is ₹ 1 Lakh and you have used ₹ 30,000 out of it; your credit utilization ratio will be 30%. You should always try and maintain the ideal credit utilization ratio of 30% on all your cards.

RBI Rolls Out New Guidelines for Credit Cards- 15th Jan 2020

The Reserve Bank of India (RBI) has recently issued new guidelines for the issuance and re-issuance of credit cards and debit cards. The move is aimed at making card transactions more secure and enhancing user convenience. The rules will be applicable from 16th March 2020. The following provisions have been prescribed:

  • At the time of issuance/re-issuance, the cards will only be eligible for domestic transactions at ATMs and POS Terminals.
  • International, contactless and online transaction services will have to be set separately by the user in order to use such services.
  • Existing cardholders may choose to enable/disable international, contactless and card not present transaction rights on their cards.
  • Existing cards which have never been used for the said services shall be mandatorily disabled for the same.
  • Issuers will be given the facility to switch on/off or set/modify transaction limits on the cards (within the total assigned limit) for all types of transactions POS /ATM /Domestic /International /online /contactless.
  • Cardholders will have round-the-clock access to switch off/on or change transaction limits via mobile app/internet banking/ATMs/IVR.

OneCard to Launch Metal Credit Card in India- 9th Jan 2020

OneCard, in association with Visa, will soon be launching a credit card with a plan to disrupt the Indian credit card market. The card will come with a powerful mobile app which will let users control every aspect of their card including credit limit, rewards, international usage and more. On top of it all, the card has a metal base to lend it a premium look and feel.

SBI Card Launches Travel Credit Cards in Collaboration with Vistara Airlines- 26th Nov 2019

SBI Card has launched two new cards- Club Vistara SBI Card PRIME and Club Vistara SBI Card, in association with Vistara Airline. The cards will offer complimentary membership to Club Vistara, Premium Economy class flight tickets and many more travel benefits. Cardholders will also earn extra Club Vistara points on Vistara Airlines transactions which can later be used for booking flights with Vistara Airlines and other partner airlines. Speaking with a news website, Vistara’s CEO said that they wish to enhance the value proposition of Club Vistara from just a loyalty program to a comprehensive lifestyle program.

No more discounts on fuel stations for credit card users

The oil companies, Indian Oil Corp (IOC), Bharat Petroleum Corp Ltd (BPCL) and Hindustan Petroleum Corp Ltd. have decided to roll back the 0.75% discount that was being offered to credit card users. The discount will not be given to customers from 1st October 2019. However, the discounts on debit cards and other digital modes of payment still stand and can be availed by users.

HDFC Bank in collaboration with Indian Oil Corporation launches a new credit card

HDFC Bank in association with Indian Oil Corporation has launched a new credit card on 25th September 2019. The card offers fuel surcharge waiver, up to Rs. 250 per statement cycle on transactions over Rs. 400. It also offers reward points in the form of Fuel Points. The fuel points can be redeemed against petrol or diesel. Customers can get up to 50 liters of fuel annually. The card can be used at any of the IOC petrol pumps.  

Freecharge launches ‘Digital Credit Card’ with Axis Bank- 28th August 2019

In a step to extend its reach to the millennials, Freecharge has launched a digital credit card with Axis Bank. This card is targeted at the youth who would be at the beginning of their career and are in need of credit. Customers will be able to get convenient and instant access to credit through this card.

JCB Launches Credit Cards in India in collaboration with NPCI- 19th August 2019

National Payment Corporation of India (NPCI) and JCB International have collaborated to launch credit cards in India. The RuPay JCB Global Credit Card will be issued by eight banks in India. The partnership between the companies was established back in 2015. In its first phase, Indian merchants were enabled to accept foreign JCB credit cards. And now in the second phase, it would enable Indian users to make payments in foreign countries using their RuPay JCB Global Credit Card. Users will also be able to enjoy a special cashback program when they make payments at selected destinations.

Credit Card Usage in India Grows 27% Owing to the Digital Push- 8th Aug 2019

India, which was primarily a debit card market, is gradually shifting its focus towards digital payments and credit cards. As per recent data published by RBI, credit card usage in India has grown by 27%. The number of credit cards in circulation has reached 48.9 million in May 2019 as opposed to 38.6 million in May 2018. The total transaction value on credit cards has gone up from 4.6 Lakh Crore in 2017-18 to 6 Lakh Crore in 2018-19. This paves the way for growth in digital payments as well as the number of retail borrowers in the economy.

SBI Card launches a new credit card in collaboration with Ola- 15th May 2019

Ola Cabs and SBI card have joined hands to launch Ola Money SBI Card. Powered by Visa, the credit card will bring further convenience to Ola users. This card is available at zero joining fee and would offer cashback instantly into the customer’s Ola Money Account. Moreover, users will be able to view, apply, and manage their credit card directly from the Ola app.

Paytm launches a credit card in association with Citibank- 15th May 2019

The Indian e-commerce giant Paytm, in collaboration with Citibank, has launched the Paytm First Card. The card will offer minimum 1% universal cash back on all transactions that will automatically be credited to user’s account every month. The annual fee of this card is Rs. 500 which will be waived if users spend Rs. 50,000 in a year.

ICICI Bank in association with Goibibo launches a multi-currency credit card- 13th May 2019

ICICI Bank has launched a multi-currency credit card in association with Goibibo travel portal. The card allows user to instantly transfer money from one currency to another. Users can use up to 15 currencies simultaneously with this card. Along with welcome benefits of up to Rs. 20,000 users also get 15% discount at over 100 restaurants across 6 foreign cities. Cardholders also get insurance between Rs. 2 lakh and Rs. 10 lakh.

ICICI Bank Launches Emeralde- a Super-Premium Credit Card- 28th Feb 2019

ICICI Bank is counted among the largest credit card providers in India. The bank has recently launched ICICI Bank Emeralde Credit Card- a super-premium card targeted at people who have a monthly salary of ₹ 3 Lakh and above. The card offers unlimited complimentary international and domestic lounge access and exclusive discounts at VLCC, Kaya Skin Clinic, Gold’s Gym, Richfeel and True Fitt n Hill. The rewards are offered in collaboration with PAYBACK. Lowest foreign currency markup fee of 1.5% makes it a great card for international travels. The Emeralde Card is offered in two variants- Mastercard and American Express.


Credit Card

Annual Fee

Key Feature

Net Savings on Annual Spends of Rs. 2 Lakh

HSBC Visa Platinum Credit Card


Rs. 2,000 Cleartrip Voucher and Rs. 250 Swiggy Voucher as welcome gift

Rs. 14,662

HDFC Bank Regalia Credit Card


Rs. 2,500

Complimentary Zomato Gold Membership for one year

Rs. 9,605

American Express Membership Rewards Credit Card



Rs. 1,500

Earn 1 MR Point for every Rs. 50 and redeem them from the exclusive 18 Karat and 24 Karat Collection

Rs. 8,096


₹ 2,999

Complimentary Club Vistara Silver Membership and Trident Red Tier Membership

Rs. 10,337

ICICI Bank Platinum Chip Credit Card



Minimum 15% discount at 800+ partner restaurants across the country

Rs. 7,475

American Express Platinum Reserve Credit Card


₹ 5,000

Get movie and shopping vouchers worth Rs. 6,000 every year

Rs. 4,146

HDFC Regalia First Credit Card


₹ 1,000

Complimentary Airport Lounge Access through Priority Pass Membership

Rs. 11,316


₹ 4,999

Free movie tickets worth Rs. 6,000 per year; complimentary Priority Pass Membership

Rs. 12,081

Citi PremierMiles® Credit Card


₹ 3,000

Earn miles on all purchase and redeem them across 100+ domestic & international airlines and hotel partners

Rs. 11,616

Standard Chartered Manhattan Platinum Credit Card


₹ 999

5% cash back at supermarkets and 3X rewards on all spends

Rs. 8,697

*The above list is for illustrative purposes only. There are other features and benefits that can be found on the respective card pages. The above information is subject to periodic change.


4.2 / 5 (25622 Reviews)

Credit Card

IndusInd Bank Credit Card

Quick Service

I got my credit card form paisabazaar easily. It is so easy to apply and their support is the best tool to get it done on time. Thanks a lot for such a service.

Posted on:Sep 18 , 2019
HDFC Bank Credit Card

Incredible card

It is truly addictive as the advantages are plenty. In fact, what you pay for the card is negligible if you compare it with the offerings. Now it appears I can't live without this card

Posted on:Aug 28 , 2019
HDFC Bank Credit Card

Incredible credit card

This card has no parallel. I have used plenty of credit cards but this offers innumerable benefits. Now it appears, I can't live without this card and it is truly addictive

Posted on:Aug 28 , 2019
HSBC Bank Credit Card

Introductory benefit

Got an introductory benefit of INR 4250 with my HSBC card. Love it!

Posted on:Aug 11 , 2019
HSBC Bank Credit Card


Happy with the good array of benefits that I am getting with my card.

Posted on:Aug 11 , 2019
HSBC Bank Credit Card

My monthly income

My monthly income is decent so for me getting this card for me.

Posted on:Aug 11 , 2019