- 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.
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.

Wide Choices
Compare from 60+ credit cards

Quick Approval
Instant approval on pre-qualified cards
Digital Process
100% digital & hassle-free journey

4.2/5
based on 1,865 reviews
53M+
Happy Customers
Check Your Credit Card Offers
4.2/5
based on 1,865 reviews
53M+
Happy Customers
Paisabazaar Exclusive Benefits

Wide Choices
Compare from 60+ credit cards

Quick Approval
Instant approval on pre-qualified cards
Digital Process
100% digital & hassle-free journey

Best Credit Cards in India
Filters
Filters

Compare

Compare

Compare

Compare
Pre-Approved Credit Cards on Paisabazaar
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
Rupay Credit Cards
Virtual Credit Cards
Find the Right Credit Card for Your Lifestyle
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.
Provide Personal Details
Fill in your personal details, like monthly income and employment type, to proceed with card recommendations.
Choose Lifestyle Category
Select your preferred lifestyle category, shopping, travel, fuel, etc., to get card suggestions tailored to your needs.
Compare & Apply
View pre-qualified card offers, compare features & benefits, and click on ‘Apply Now’ for the card that suits you best.
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.
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
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.
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:
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:
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.
Explore Our
Credit Card Partners
Compare Popular Credit cards
FAQs
Credit Card Articles
View All ArticlesPeople also looking for
Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
*Applicable for selected customers