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Credit Card

Credit cards come with wide-ranging features and benefits designed to suit the lifestyle preferences of various income groups. Compare 60+ options on Paisabazaar, apply online, and get instant approval.

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Best Credit Cards in India

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HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card

travel

Travel

shopping

Shopping

reward

Rewards

5X rewards on Nykaa, Myntra & more's Icon5X rewards on Nykaa, Myntra & more

Vouchers up to Rs. 16,000 every year's IconVouchers up to Rs. 16,000 every year

12 domestic & 6 int. visits per year's Icon12 domestic & 6 int. visits per year

Joining Fee IconJoining Fee: 2,500+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 2,500+ Taxes

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*Terms & Conditions

HDFC Millennia Credit Card

HDFC Millennia Credit Card

cashback

Cashback

shopping

Online Shopping

5% cashback on popular everyday brands's Icon5% cashback on popular everyday brands

1,000 bonus points on card activation's Icon1,000 bonus points on card activation

Up to 20% off on partner restaurants's IconUp to 20% off on partner restaurants

Joining Fee IconJoining Fee: 1,000+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 1,000+ Taxes

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*Terms & Conditions

Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit Card

lifetime

Lifetime Free

cashback

Cashback

shopping

Online Shopping

No joining or annual fee's IconNo joining or annual fee

Up to 5% cashback on Amazon spends's IconUp to 5% cashback on Amazon spends

1% cashback on all other spends's Icon1% cashback on all other spends

Joining Fee IconJoining Fee: 0+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 0+ Taxes

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*Terms & Conditions

Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card

cashback

Cashback

Low annual fee of Rs. 500 only's IconLow annual fee of Rs. 500 only

Up to 25% cashback on Airtel Thanks App's IconUp to 25% cashback on Airtel Thanks App

10% cashback on Zomato & Swiggy's Icon10% cashback on Zomato & Swiggy

Joining Fee IconJoining Fee: 500+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 500+ Taxes

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*Terms & Conditions

IndusInd Bank Legend Credit Card

IndusInd Bank Legend Credit Card

travel

Travel

lifetime

Lifetime Free

reward

Rewards

Up to 2 reward points for every Rs. 100 spent's IconUp to 2 reward points for every Rs. 100 spent

 Low forex markup fee of 1.8%'s Icon Low forex markup fee of 1.8%

Buy one get one offer via BookMyShow's IconBuy one get one offer via BookMyShow

Joining Fee IconJoining Fee: 0+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 0+ Taxes

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*Terms & Conditions

Pre-Approved Credit Cards on Paisabazaar

YES BANK Paisabazaar PaisaSave Credit CardBrush

YES BANK Paisabazaar PaisaSave Credit Card

Joining Fee: 0

Cashback

Cashback

Online Shopping

Online Shopping

  • 3% Cashback Points on e-commerce spends, max. 5,000 points/month
  • Unlimited 1.5% Cashback Points on all other spends, including UPI
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ICICI Coral Credit CardBrush

ICICI Coral Credit Card

Joining Fee: 500

Movies

Movies

Rewards

Rewards

  • 25% discount at BookMyShow and Inox, twice a month
  • Up to 3,000 bonus reward points
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HDFC MoneyBack+ Credit CardBrush

HDFC MoneyBack+ Credit Card

Joining Fee: 500

Shopping

Shopping

Rewards

Rewards

  • 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
  • Gift vouchers worth Rs. 2,000 every year
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RBL Bank Paisabazaar Duet Credit CardBrush

RBL Bank Paisabazaar Duet Credit Card

Joining Fee: 0

Cashback

Cashback

  • Borrow a part of your credit limit as Xpress Cash
  • 1% cashback on all online and offline spends
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Tata Neu Plus HDFC Credit CardBrush

Tata Neu Plus HDFC Credit Card

Joining Fee: 499

Shopping

Shopping

  • Up to 7% value back on Tata Neu spends
  • 4 domestic lounge access per year
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Flipkart Axis Bank Credit CardBrush

Flipkart Axis Bank Credit Card

Joining Fee: 0

Cashback

Cashback

Online Shopping

Online Shopping

  • 7.5% cashback on Myntra
  • 5% cashback on transactions at Flipkart and Cleartrip
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Maximize Benefits on Your Credit Cards

Paisabazaar’s Credit Card Rewards Calculator is here to simplify your decisions. Whether it's shopping, travel, or dining, this tool helps you identify the best card for every category, allowing you to maximize your reward earning potential.

Cards for New to Credit

ICICI Coral Credit CardBrush

ICICI Coral Credit Card

Joining Fee: 500

Movies

Movies

Rewards

Rewards

  • 25% discount at BookMyShow and Inox, twice a month
  • Up to 3,000 bonus reward points
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IDFC FIRST EARN Credit CardBrush

IDFC FIRST EARN Credit Card

Joining Fee: 499

Movies

Movies

Cashback

Cashback

  • Up to 8% bonus cashback on travel bookings via IDFC FIRST Bank app
  • 1% cashback on UPI spends made via IDFC FIRST Bank app
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SBI SimplyCLICK Credit CardBrush

SBI SimplyCLICK Credit Card

Joining Fee: 499

Rewards

Rewards

Online Shopping

Online Shopping

  • 10X reward points on top online brands - BookMyShow, Swiggy, Myntra, etc.
  • 5X reward points on other online spends
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Flipkart Axis Bank Credit CardBrush

Flipkart Axis Bank Credit Card

Joining Fee: 0

Cashback

Cashback

Online Shopping

Online Shopping

  • 7.5% cashback on Myntra
  • 5% cashback on transactions at Flipkart and Cleartrip
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HDFC MoneyBack+ Credit CardBrush

HDFC MoneyBack+ Credit Card

Joining Fee: 500

Shopping

Shopping

Rewards

Rewards

  • 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
  • Gift vouchers worth Rs. 2,000 every year
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Tata Neu Infinity HDFC Bank Credit CardBrush

Tata Neu Infinity HDFC Bank Credit Card

Joining Fee: 1499

Shopping

Shopping

  • Up to 10% value-back on Tata Neu spends
  • 8 domestic and 4 international Priority Pass lounge access per year
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Rupay Credit Cards

IDFC FIRST Digital RuPay Credit Card Brush

IDFC FIRST Digital RuPay Credit Card

Joining Fee: 199

Rewards

Rewards

  • Up to 3X reward points on UPI spends
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YES BANK Paisabazaar PaisaSave Credit CardBrush

YES BANK Paisabazaar PaisaSave Credit Card

Joining Fee: 0

Cashback

Cashback

Online Shopping

Online Shopping

  • 3% Cashback Points on e-commerce spends, max. 5,000 points/month
  • Unlimited 1.5% Cashback Points on all other spends, including UPI
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Tata Neu Infinity HDFC Bank Credit CardBrush

Tata Neu Infinity HDFC Bank Credit Card

Joining Fee: 1499

Shopping

Shopping

  • Up to 10% value-back on Tata Neu spends
  • 8 domestic and 4 international Priority Pass lounge access per year
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Ixigo AU Credit Card Brush

Ixigo AU Credit Card

Joining Fee: 0

Travel

Travel

Lifetime Free

Lifetime Free

  • 10% discount on travel bookings at Ixigo
  • 4X reward points on train bookings via Ixigo
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IRCTC HDFC Bank Credit CardBrush

IRCTC HDFC Bank Credit Card

Joining Fee: 500

Travel

Travel

  • 5X reward points on IRCTC bookings
  • Complimentary access to IRCTC Executive lounges
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MakeMyTrip ICICI Bank Credit CardBrush

MakeMyTrip ICICI Bank Credit Card

Joining Fee: 999

Travel

Travel

Rewards

Rewards

  • Up to 6% savings on MakeMyTrip spends
  • Rs. 1,000 MMT voucher every year
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Virtual Credit Cards

HDFC Bank UPI RuPay Credit CardBrush

HDFC Bank UPI RuPay Credit Card

Joining Fee: 99

Shopping

Shopping

Rewards

Rewards

  • Up to 3% CashPoints on card spends, including UPI transactions
  • Gift voucher worth Rs. 250 as welcome bonus
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YES BANK Paisabazaar PaisaSave Credit CardBrush

YES BANK Paisabazaar PaisaSave Credit Card

Joining Fee: 0

Cashback

Cashback

Online Shopping

Online Shopping

  • 3% Cashback Points on e-commerce spends, max. 5,000 points/month
  • Unlimited 1.5% Cashback Points on all other spends, including UPI
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HDFC Bank Pixel Play Credit CardBrush

HDFC Bank Pixel Play Credit Card

Joining Fee: 500

Cashback

Cashback

  • 5% cashback on Smartbuy and on top lifestyle categories of choice
  • 3% cashback on any 1: Amazon, Flipkart or Payzapp
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HDFC Bank Pixel Go Credit CardBrush

HDFC Bank Pixel Go Credit Card

Joining Fee: 250

Cashback

Cashback

Online Shopping

Online Shopping

  • Up to 5% cashback on all spends
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Find the Right Credit Card for Your Lifestyle

Cashback SBI CardBrush

Cashback SBI Card

Joining Fee: 999

Cashback

Cashback

Online Shopping

Online Shopping

  • 5% cashback on all online spends
  • 1% cashback across all offline spends
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YES BANK Paisabazaar PaisaSave Credit CardBrush

YES BANK Paisabazaar PaisaSave Credit Card

Joining Fee: 0

Cashback

Cashback

Online Shopping

Online Shopping

  • 3% Cashback Points on e-commerce spends, max. 5,000 points/month
  • Unlimited 1.5% Cashback Points on all other spends, including UPI
Read More
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HDFC Millennia Credit CardBrush

HDFC Millennia Credit Card

Joining Fee: 1000

Cashback

Cashback

Online Shopping

Online Shopping

  • 5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more
  • 1% cashback on spends at other categories
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Amazon Pay ICICI Credit CardBrush

Amazon Pay ICICI Credit Card

Joining Fee: 0

Lifetime Free

Lifetime Free

Cashback

Cashback

Online Shopping

Online Shopping

  • Up to 5% cashback on Amazon purchases
  • 1% cashback across all offline spends
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Tata Neu Infinity HDFC Bank Credit CardBrush

Tata Neu Infinity HDFC Bank Credit Card

Joining Fee: 1499

Shopping

Shopping

  • Up to 10% value-back on Tata Neu spends
  • 8 domestic and 4 international Priority Pass lounge access per year
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Axis Neo Credit CardBrush

Axis Neo Credit Card

Joining Fee: 250

Rewards

Rewards

Online Shopping

Online Shopping

  • Discount offers on top brands, like Zomato, Blinkit and Myntra
  • 1 EDGE reward point per Rs. 200 spent
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Axis My Zone Credit CardBrush

Axis My Zone Credit Card

Joining Fee: 500

Online Shopping

Online Shopping

  • Buy One Get One offer on movie tickets at District App
  • Complimentary SonyLIV membership for 1 year
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IDFC FIRST Private Credit CardBrush

IDFC FIRST Private Credit Card

Joining Fee: 50000

Travel

Travel

Premium

Premium

Shopping

Shopping

  • Complimentary Club ITC Culinaire Select and Accor Plus Explorer Membership
  • Unlimited international & domestic airport lounge access
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Amazon Pay ICICI Credit CardBrush

Amazon Pay ICICI Credit Card

Joining Fee: 0

Lifetime Free

Lifetime Free

Cashback

Cashback

Online Shopping

Online Shopping

  • Up to 5% cashback on Amazon purchases
  • 1% cashback across all offline spends
Read More
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HSBC Visa Platinum Credit CardBrush

HSBC Visa Platinum Credit Card

Joining Fee: 0

Shopping

Shopping

Lifetime Free

Lifetime Free

Rewards

Rewards

  • 5X rewards up to 15,000 per year on annual spends above Rs. 4 lakh
  • Redeem rewards for InterMiles, CV points, and British & Etihad air miles
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HDFC Regalia Gold Credit CardBrush

HDFC Regalia Gold Credit Card

Joining Fee: 2500

Travel

Travel

Shopping

Shopping

Rewards

Rewards

  • 5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
  • 4 reward points per Rs. 150 across all retail spends
Read More
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Simple Steps to Apply for a Credit Card Online

You can apply for a credit card with Paisabazaar by following the below-mentioned steps:

Enter Name & Mobile Number

Enter your mobile number and name on our platform and verify it using the OTP sent to your phone.

Enter Name & Mobile Number

Provide Personal Details

Fill in your personal details, like monthly income and employment type, to proceed with card recommendations.

Provide Personal Details

Choose Lifestyle Category

Select your preferred lifestyle category, shopping, travel, fuel, etc., to get card suggestions tailored to your needs.

Choose Lifestyle Category

Compare & Apply

View pre-qualified card offers, compare features & benefits, and click on ‘Apply Now’ for the card that suits you best.

Compare & Apply

Maximize Every Swipe! Unlock more savings with the right strategy.

From choosing the right card to redeeming points the right way, here are the 5 ways how you can maximize your credit card reward points.

5 Benefits of Using a Credit Card

From earning reward points to building your credit score, credit cards offer a range of benefits that can enhance your financial life.

Convenience and security

Rewards and cashback

Building a credit score

Interest-free period

Access to exclusive deals and discounts

Using a credit card is often safer and more convenient than carrying cash, especially for larger purchases. With features like contactless payments, credit cards make transactions more convenient and easy. Additionally, most credit cards offer fraud protection or lost card liability cover, adding an extra layer of security.

With credit cards, you can earn reward points or cashback on every transaction, which can be redeemed for travel bookings, gift vouchers, product purchases, or even statement credits. This allows you to earn decent value back on your everyday spending categories like groceries, dining, fuel, and more.

Using a credit card responsibly helps build and improve your credit score, as timely payments and proper usage reflect positively on your credit report. A good credit score can make it easier to get future credit at favourable conditions, like loans at lower interest rates, and can also make you eligible for better credit cards.

Credit cards come with an interest-free period, typically ranging from 20 to 50 days, during which no interest is charged on your purchases. By planning your purchases within this period and paying the bill in full, you can save yourself from high interest charges.

Many credit cards offer exclusive discounts, deals, and access to special events, such as dining discounts, travel upgrades, free movie tickets and more. While these benefits shouldn’t be the only factor in choosing a credit card, they can help you get the maximum value back from your credit card.

Things to Know Before Applying for a Credit Cards

  • Choose a card that aligns with your lifestyle. Look for benefits in your major spending category like travel, online shopping, offline shopping, etc.
  • Identifying the cards which you are eligible for. Beginners or low-income applicants qualify for entry-level cards, while high-net-worth individuals can get premium options.
  • Entry-level credit cards come with lower fees whereas mid-range or premium cards generally charge a higher fee. Decide if you would like a low-fee card with basic benefits or pay a higher amount for better benefits.
  • Do a cost-benefit analysis, and review t&c on annual fees, rewards capping, redemption options, and values. Ensure you can maximize spend-based benefits before deciding.
  • Avoid applying for multiple credit cards at the same time as it may have a negative impact on your credit score.

Directly from Expert

At Paisabazaar, we believe access to credit should be simple, transparent, and inclusive — especially in a diverse market like Bharat. My team and I are focused on building a platform that offers wide credit card choices with a seamless digital experience, suiting the needs of first-time users as well as card-savvy users. With the trust of 50 million+ customers, we’re redefining how India chooses credit cards — making it faster, safer, and more personalised than ever.

Rohit Chhibbar profile

Rohit Chhibbar

LinkedIn icon
Head of Credit Card

5 Smart Tips to Manage Your Credit Card Effectively

Pay your balance in full and on time

The most important rule of credit card usage is to pay your balance in full before the due date to avoid interest and protect your credit score. If you cannot make the full payment, try to pay more than the minimum, which can reduce the interest charges.

Convert large purchases into EMIs

If you make a large purchase, consider converting it to EMIs, which usually comes with a lower interest rate than the standard credit card rate. This way, you can manage the entire expense in smaller and more manageable payments over time.

Avoid cash withdrawals with your credit card

Cash advances do not offer an interest-free period; instead, interest is levied as soon as you withdraw cash. These charges can quickly accumulate debt, so use cash withdrawals only as a last resort.

Keep track of your spending

Monitor your spending to stay within your credit limit and avoid building up a difficult-to-manage balance. Check all SMS alerts and your bank statements carefully about credit card transactions. Besides this, you should also check your credit report at regular intervals to notice and rectify any errors.

Do not apply for multiple credit cards at a time

Applying for too many cards at once can make you look credit-hungry and lower your credit score due to multiple hard inquiries. While a single inquiry may not have significant consequences, multiple inquiries within a short period can negatively impact your credit score. Hence, apply only for cards that truly meet your needs and spending habits.

Do’s and Don’ts for Credit Cards

Here are some do’s and don’ts for using your credit cards wisely:

  • Do's
  • Choose a card matching your lifestyle
  • Review your monthly credit card statement
  • Pay your credit card bill in full & on time
  • Spend within your means to avoid debt
  • Utilize the benefit of interest-free period
  • Keep a check reward points expiration
  • Don'ts
  • Pay only the minimum amount each month
  • Exceed your credit card limit frequently
  • Miss or delay a credit card bill payment
  • Close your old credit card accounts
  • Apply for too many credit cards at once
  • Withdraw cash using your credit card

Latest Updates on Credit Cards

IDFC FIRST Bank and Indigo Airlines Collaborate to Launch Co-branded Credit Card

4 Aug 2025

After their co-branded card collaboration with HDFC Bank and Kotak Mahindra Bank, Indigo Airlines has now partnered with IDFC FIRST Bank to launch Indigo IDFC FIRST Dual Credit Card. Available at an annual fee of Rs. 4,999, the card offers value-back as Indigo BluChips, which are redeemable against Indigo flight ticket bookings. Cardholders will get two physical credit card – Mastercard and Rupay variant – sharing a common credit limit. The bank also offers it as a Secured Card, backed by an FD of Rs. 1 lakh or more, suitable for people who are new to credit or are facing difficulty in getting a regular card due to a damaged credit score.

PhonePe Launches Co-branded Credit Cards with SBI Card

22 July 2025

SBI Card has joined hands with PhonePe to launch two credit cards - PhonePe SBI Card PURPLE and PhonePe SBI Card SELECT BLACK, wherein the former is base variant and the latter is a premium variant. Cardholders earn the highest rewards on utilities, recharges, bill payments, etc. made via PhonePe platform. In addition to this, the cards also offer accelerated rewards on other online spends. Since most cards exclude expenses like utilities and insurance payments from their rewards program, this card could be a good option for those who have considerable expenses in these categories and are loyal to PhonePe.

SBI Card Announces Revision on MAD Calculation, Air Accident Cover and more

15 July 2025

SBI Card has announced some important changes on its credit cards, effective 15 July 2025 onwards. Here are some of the updates:

  • Minimum Amount Due (MAD) calculation will be as follows: 100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of finance charges + Overlimit Amount (if any) + 2% of remaining balance outstanding
  • Order of Payment Settlement will be as follows: Payment received against the Cardholder's outstanding will be adjusted against 100% of GST, 100% of EMI amount, 100% of Fees/Charges, 100% of Finance charges, Balance transfer, Retail Spends and Cash Advance, in that order
  • Complimentary Air Accident Insurance Cover will be discontinued from all eligible cards (on banking partnership cards, it will be discontinued from 11 Aug 2025)

Kotak Mahindra Bank Launches New Premium Card – Kotak Solitaire

12 May 2025

Catering to the needs of frequent travellers, Kotak Mahindra Bank has launched Kotak Solitaire Credit Card, offering 10% value-back on flights and hotel bookings made via the Kotak Unbox Platform. Accumulated reward points can be transferred to 10+ airlines and hotel loyalty programs in 1:1 ratio. Additional benefits with premium hotels and unlimited complimentary lounge visits to primary and add-on cardholders further enhance the card’s value for travellers. Kotak Solitaire does not charge any joining fee; however, an annual fee of Rs. 25,000 is applicable.

Difference Between Credit Card & Debit Card

Credit and debit cards may look similar and sometimes offer similar benefits, but they function differently. Here’s a detailed comparison to help you understand the key differences:

Feature Credit Card Debit Card
Function A short-term loan extended by the card issuer that requires repayment A means to spend money directly from your savings or current account
Spending Limit Can spend within the pre-fixed credit limit Can spend only up to the balance available in the account
Payment Method Card issuer pays for your purchases, which you repay by the monthly due date Amount is deducted directly from your bank account
Interest Charges Interest charges apply in case of late or partial payments No interest charges are applicable
Rewards & Benefits Generally offers enhanced rewards, cashback, and other benefits (varies as per the card) Usually offers basic rewards, cashback, and limited benefits
Credit Score Impact Directly impacts your credit score No direct impact on credit score

Swipe to see more table data

Types of Credit Cards in India

Here are the different types of credit cards in India to match your lifestyle and spending pattern, find the right one to maximize savings on your spends:

icon image of Lifetime-Free

Lifetime-Free

Lifetime-free credit cards come without any joining or renewal fees along with relaxed eligibility criteria, making them a suitable choice for new-to-credit individuals.

icon image of Rewards

Rewards

Rewards credit cards allow you to earn reward points on every transaction, which can later be redeemed for various categories such as gift vouchers, products, travel bookings, or even cashback.

icon image of Cashback

Cashback

Cashback credit cards provide a percentage of your spending back as direct cashback/points, which is typically credited to your account or you can redeem them against your statement balance.

icon image of Co-branded

Co-branded

Co-branded credit cards, offered with specific brands, provide exclusive benefits, such as accelerated rewards, discounts, and exclusive deals when using the card with the collaborated brand.

icon image of Travel

Travel

Travel credit cards offer air miles, airport lounge access, and discounts on flight bookings and hotel stays, along with reward points redeemable against travel expenses.

icon image of Shopping

Shopping

Shopping credit cards offer benefits like reward points, discounts, and cashback on purchases from popular retail stores and e-commerce brands.

icon image of Lounge Access

Lounge Access

Lounge access credit cards offer complimentary access to domestic and international airport lounges, providing amenities like free meals, Wi-Fi, and much more.

icon image of Entertainment

Entertainment

Entertainment credit cards often offer discounts on movie tickets, free movie tickets, ‘buy one, get one free’ deals, complimentary food & beverages, and much more.

icon image of Fuel

Fuel

Fuel credit cards typically offer cashback and rewards on fuel spends at partner fuel stations, along with fuel surcharge waiver & other basic benefits.

icon image of Super Premium

Super Premium

Super premium credit cards are designed for high-net-worth individuals, offering luxury benefits like concierge services, unlimited complimentary lounge access, free golf games, and more.

Credit Card Fees and Charges

Credit card fees and charges can vary based on the card type and issuer. Some charges, like joining or annual fees, are required to keep your card active, while others - such as finance charges, cash withdrawal fees, and late payment fees - apply depending on your card usage. Here’s a look at some common charges:

Particular Charges
Annual Fee Varies from card to card
Finance Charges 9% p.a. to 52.86% p.a.
Interest-free Period Up to 50 days
Cash Advance Charges 0% to 3.5%
Forex Markup Fee 0% to 3.5%

Credit Card Interest Rate

Credit card issuers charge an interest rate, also known as finance charges, which is levied in case of late payments or defaults. While the interest rate varies from card to card, it typically ranges between 9% p.a. and 52.86% p.a.

Unlike other card charges, such as joining or annual fees, the interest rate is usage-based and is applied to the outstanding amount whenever you fail to pay your credit card bill in full. Interest is also charged when you make only the minimum due payment. Whenever you carry forward the remaining balance to the next billing cycle, the interest is levied on both the outstanding amount and new purchases from the date of transaction.

How to Choose the Right Credit Card?

Choosing the right credit card is subjective based on your profile and requirements. To make a wise choice, here are some suggestions:

Identify your preferred spending category

There are different types of credit cards, such as travel, shopping, dining, etc. To maximize the benefits of a credit card, you should analyze your shopping habits. The best credit card for you would be one that fulfills your core needs. For instance, if you frequently travel, choosing a credit card that offers accelerated benefits on travel spends would be beneficial for you.

Shortlist cards based on your eligibility 

Once you've identified your shopping pattern, start by shortlisting the cards based on eligibility. Understand your credit profile & find out the cards you may be eligible for. To do so, you can also check your eligibility at Paisabazaar for pre-qualified card offers.

Evaluate features & benefits

After shortlisting the preferred credit cards, the hardest part is to decide which credit card to choose. To find the right card, you must evaluate all the features and benefits of the respective card and choose the one that fits your needs and complements your budget.

Read the fine print

Once you’ve decided which card to apply for, review all the related fees & charges associated with the card. Analyze whether you will be able to pay the associated fees. Apart from the annual fee, also check for other related charges, like interest rates, late payment fees, etc., to make an informed decision.

Eligibility Criteria and Documents Required

While the eligibility criteria may differ across issuers and cards, some general requirements are:

  • Age: Minimum 18 years
  • Credit Score: Preferably 700 and above
  • Employment Type: Salaried or Self-employed

To process your credit card application, you need to submit the following proofs:

  • Identity & Signature Proof
  • Address Proof
  • Age Proof
  • Income proof

Some common documents are PAN card, Aadhaar card, employee identity card (in case of Government employees), bank statement, salary slips,  rent agreement, or utility bills. For self-employed applicants income proof requirements may vary. You need to submit ITR documents, Form 16, etc.

Note: Document requirements may vary.

RuPay Credit Cards on UPI

RuPay is a domestic card payment network and currently the only one offering credit card benefits on UPI transactions. In June 2022, RBI allowed the linking of RuPay credit cards to UPI apps, enabling quick payments while earning benefits on UPI spends. Initially, only a few credit cards were available on the RuPay network. However, most card issuers, including HDFC Bank, SBI Card, Axis Bank, ICICI Bank, and more, now offer RuPay variants of their existing cards or are launching new cards on the RuPay network. Additionally, while some cards—such as HDFC UPI RuPay Credit Card—are designed for UPI transactions and offer accelerated rewards on UPI spends, other RuPay credit cards offer a base reward rate or cashback on UPI payments.

Secured Credit Cards:  A Smart Way to Build Credit

Most credit card issuers prefer applicants with a good credit score (preferably above 750). While some issuers offer entry-level credit cards for new-to-credit individuals, getting approval can still be challenging. If you’re struggling to get a credit card and want to start your credit journey, you can consider applying for a secured credit card.

Secured credit cards are issued against collateral, such as a fixed deposit. These cards function just like regular credit cards but usually come with basic benefits. The credit limit is assigned as per the fixed deposit’s value. Even students and unemployed individuals can apply for secured credit cards, making them a great option for building credit.

You can use secured credit cards for both online and offline transactions, just like a regular credit card. By paying bills on time, they can help you build a strong credit profile. In case of any default payments, the outstanding amount is recovered from the fixed deposit.

Instant Virtual Credit Cards in India

Virtual credit cards are digital versions of physical credit cards and work just like regular ones. With virtual cards, you can make online transactions and earn benefits such as rewards or cashback on your spends. A virtual credit card is issued electronically and all essential details—such as the card number, CVV, and validity—are accessible through your credit card issuer’s mobile app or website. While physical credit cards are usually delivered within 2–4 working days after approval, virtual credit cards are typically issued instantly. They often come with relaxed eligibility criteria, making them a convenient option, especially for new-to-credit consumers.

How a Credit Card Can Help Improve Your Credit Score

Using a credit card responsibly can help you build and improve your credit score. Whether you're starting from scratch or looking to improve your existing score, here are some effective ways to strengthen your credit profile through credit cards:

When you use a credit card and pay your dues on time, it shows your ability to manage credit effectively. Late payments not only attract high interest charges but can also significantly damage your credit score. Since credit bureaus give maximum weightage to repayment history while calculating your credit score, making timely payments can have a positive impact on your score over time.

Another important factor is your credit utilization ratio (CUR)—the percentage of your available credit limit that you’re using. While having a higher CUR and paying the entire bill may not affect your score drastically, maintaining a high CUR for a longer period of time can harm your credit score. Keeping this ratio low shows issuers that you're not overly dependent on credit and can manage your finances well.

Compare Popular Credit cards

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HDFC Diners Club Black Metal Edition Credit Card

Joining Fee: 10000 onwards

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icon image of Axis Bank Reserve Credit CardBrush

Axis Bank Reserve Credit Card

Joining Fee: 50000 onwards

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icon image of Axis Atlas Credit CardBrush

Axis Atlas Credit Card

Joining Fee: 5000 onwards

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icon image of HDFC Regalia Gold Credit CardBrush

HDFC Regalia Gold Credit Card

Joining Fee: 2500 onwards

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icon image of YES Bank Paisabazaar PaisaSave Credit CardBrush

YES BANK Paisabazaar PaisaSave Credit Card

Joining Fee: 0 onwards

bulletCashback
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icon image of Cashback SBI CardBrush

Cashback SBI Card

Joining Fee: 999 onwards

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HDFC Infinia Credit Card

Joining Fee: 12500 onwards

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icon image of SBI Aurum Credit CardBrush

SBI Aurum Credit Card

Joining Fee: 9999 onwards

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icon image of RBL Bank Paisabazaar Duet Credit CardBrush

RBL Bank Paisabazaar Duet Credit Card

Joining Fee: 0 onwards

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icon image of YES Bank Paisabazaar PaisaSave Credit CardBrush

YES BANK Paisabazaar PaisaSave Credit Card

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FAQs

A credit card is a type of credit facility, issued through a plastic or a virtual card. Consumers can use it for making transactions within their preset credit limit and repay the spent amount by the due date, which usually falls after every 30-45 days.

Unlike a debit card, where money is directly debited from your bank account when you make a payment, in the case of a credit card, the money is deducted from the assigned credit limit. In a way, you borrow funds from the issuer to make a payment. Based on the total funds used within a month (statement cycle), the issuer then sends a card statement to the user with the total amount due on the card. The total amount due is to be paid by the due date. On bill payment, the amount is added back to the available credit limit.

Some benefits of owning a credit card are increased purchasing power, financial aid in case of emergency, complimentary benefits, rewards, cashback, and lifestyle benefits. Additionally, if used wisely and responsibly, a credit card can also help in improving or building credit score.

The eligibility criteria for a credit card may differ across cards and issuers. But in general, you should be aged above 18, have a good credit score/history, and a stable source of income. The criteria for premium credit cards are more stringent than those on entry-level or mid-range cards.

To apply for a credit card, you need to submit age proofs, income proofs, address proofs, signatures, and identification proofs. Some basic documents that suffice are Aadhar card, PAN card, bank statement, salary slips, etc.

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What our customers say

Excellent Service

I want you to know how much I appreciate the excellent service provided by Ms Kavita Sajwan and Mr Varun Malhotra with their time and energy to organize the best possible solution for me for a Credit Card issue I was facing. This is an excellent example of service. I am really happy to have such dedicated support from your team and will recommend Paisabazaar in the future to others.

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Debabrata MajumderSep 4, 2020

Superb services

I have applied for a card and paisabazaar helps me to get out of that problems i was facing

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Abhishek JhaMay 20, 2019

Single name

Sir mera naam vivek h pancard me but ye full name maang rhe h

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VivekMay 16, 2019

My favorite credit card!!!

I would recommend SBI Simply click to everyone who shops online it is great. Thanks to Paisabazaar for getting me this card.

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Mamta KumariFeb 21, 2019

Horrible

I applied for credit card and got no call. Then I called customer care and they redirected my call but nobody came on the call for 15 min. Bad service.

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Sunit KumarFeb 21, 2019

Good Credit Card Service

Approached Paisa Bazaar for a rewards credit card. I had bad experience with such companies but chose to take a chance. The website is good and the card that I got is also good. It was delivered in 8 days. Happy with the service.

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Pushkar SinhaFeb 21, 2019

Okay

There are better websites than Paisabazaar I would say. But they are doing a good job. Executives are helpful and friendly.

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Sunanda JaiswalFeb 21, 2019

Good

Paisabazaar services are good. I got my first credit card. Nice website, good experience.

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Gaurav AhujaFeb 21, 2019

Loved it!!!!!

I was not sure whether to get a credit card in the first place. Paisabazaar\'s executive told me the benefits of it and why it could be good for me. I am happy with the service.

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Rahul ShrivastavFeb 21, 2019

Just as described

Great Card. I am surprised that all benefits on SBI credit card are as promised. Very nice card. Thanks to Paisabazaar.

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Rekha AhujaFeb 21, 2019

Bad experience

It took 1 month to complete my credit card application. First they said that my documents was not okay then they asked for more documents. Then applied for other bank and said that previous was rejected.

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Monika KhatriFeb 21, 2019

Loved it!!

It has been a wonderful journey with Paisabazaar. My family relies on this website for any financial requirement- credit cards, loans and investments.

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Suman AcharyaFeb 21, 2019

Paisabazaar!!!

I thank my friend Varun for telling me about Paisabazaar and now it is my go to site for all financial needs be it credit card or loans.

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Upendra YadavFeb 21, 2019

Fine experience

I liked that Paisabazaar is very dedicated towards their customers. They listen patiently and then give the right solution. Got credit card in a week.

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Akanksha MauryaFeb 21, 2019

The website is great

Visited Paisabazaar for credit card. It is a great site to find the right credit card as there are multiple options. Recommended.

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Ashwini RaiFeb 21, 2019

Always read the T &C

I want to insist everyone to read the terms and conditions of their credit card before getting. I have suffered a lot because of this and now I am scared of using any card. Saying it again- always read the T&C.

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Gaurav BakshiFeb 21, 2019
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Last updated: 18 August, 2025

Latika G profile
Reviewed ByLinkedIn icon
Latika G
Shamik Ghosh profile
Written ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers