Best Credit Cards In India – 3 Types Credit Cards Available in Different Banks
- Rupay Credit Cards – UPI Payments
- Life Time Free Credit Cards (No- Joining Fee & No – Yearly Fee)
- Credit Cards with Joining Fee & Yearly Fee Applicable
RUPAY CREDIT CARDS
HDFC Bank Tata Neu Credit Card
HDFC Bank Tata Neu Credit Card Apply Now Click Here
- You get 7% money back as tata neu coins (2% due to the card + 5% on TataNeu app) for all Tata brands like BigBasket, Air Asia, Tata 1mg, Croma, TataCliQ, Westside, Titan, Tanishq, etc. Applicable for transactions done on TataNeu app/website and registering for Tata NeuPass
- Upto 1.5% savings on all UPI spends via Tata Neu App using NeuCard (maximum of Rs 500 per month)
- Get 12 free airport lounge access (8 domestic + 4 International) per annum on NeuCard Infinity
- 4 Domestic lounge access on NeuCard Plus
Other Amazing Offers –
- 1% fuel surcharge waiver at all fuel stations across India on transaction of Rs 400 – Rs 5,000. (Max. waiver of Rs 250 / 500 per statement cycle for Plus/Infinity
- Leverage revolving credit facilities at nominal interest rates
- Get zero lost card liability waivers on fraudulent transactions and Credit Card loss, upon prompt reporting
Fees & List of all charges
- Joining Fees: Free for limited time only
- Annual Fees: NeuCard Infinity – Rs 1499 + Taxes
- Annual Fees: NeuCard Plus – Rs 499 + Taxes
Documents Needed
- Address Proof – Aadhaar, Passport, Latest utility bills
- ID proof – PAN, Voter ID, Passport
- Income proof – Bank Statement, Salary Slips
Eligibility Criteria
- Required Age: 21-65 years
- Employment status: Salaried or Self-Employed
- Minimum Income: Rs 25,000 per month (Salaried)
- Minimum Income: Rs 6 lakhs per annum (Self-Employed)
How to Avail the Offer
- You will be redirected to Tata Digital page
- Click Login/Join Now and do OTP verification
- You will see the cards you are eligible for, select the card and provide the required details
- Complete your VKYC within 72 hours of your application
Axis Indian Oil Rupay Credit Card
Apply Now Click Here
100% Cashback upto Rs 250 on all fuel spends within first 30 days of card issuance
10% instant discount on movie tickets booked via BookMyShow website
Enjoy upto 15% Discount on partner Restaurants
ELIGIBILITY CRITERIA – CREDIT CARD
Employment status: Salaried or Self-Employed
Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed)
Required Age: 21-65 years
Available across major cities in India
FEES AND LIST OF CHARGES
Joining Fees: Rs 500 (excluding GST)
Annual Fees: Rs 500 (excluding GST)
Annual fees waiver: Rs 50,000 spends in one calendar year
Interest rate: 3.6% per month
Cash Withdrawal charges: 2.5% (Min Rs 500)
LIFE TIME FREE CREDIT CARDS
ICICI Bank Credit Card
Apply Now Click Here
Lifetime FREE – Select Variants of ICICI Bank Credit Card are offered without any joining or Annual Fee
Discount on Online Sales – With ICICI Credit Card, you can avail great discount offers on Amazon/Flipkart Sales
Earn 2 Reward Points on every Rs 100 spent for all retail purchases except fuel
Get 1 Reward Point on every Rs 100 spent on utilities and insurance categories
You can use ICICI Bank Credit Card to avail discounts over many websites like MakeMyTrip, Sterling Resorts, Haier, McDonalds etc.
You earn rewards on all spends that can be redeemed for exciting gifts, vouchers or free flight tickets
ELIGIBILITY CRITERIA- CREDIT CARD
Age group: 21-65 years
Employment status: Salaried or Self-Employed
Minimum Income: Rs 50,000 per month (Both Salaried and Self-Employed)
Credit score: 750+
You should be citizen of India or a Non-Resident Indian
DOCUMENTS NEEDED
PAN Card
Aadhaar Card
Bank Statement
FEES AND LIST OF ALL CHARGES
Joining Fees: Lifetime Free (Depending upon the card selected)
Annual Fees: Lifetime Free (Depending upon the card selected)
Axis Neo Credit Card
Apply Now Click Here
Get 40% Off on Zomato – 2 times a month
10% Off on Myntra everytime
5% Off on Utility Bill payments via Amazon pay.- once per month
10% Off on Blinkit (Max Discount Rs 250)
10% Off on BookMyShow (Max discount – Rs 100) – valid once a month
OTHER AMAZING OFFERS
Get 1 Edge reward point on every Rs 200 spent ( 1 RP = Rs 0.20)
Upto 15% Off at partner restaurants under Dinning Delights program via EazyDiner
Get zero lost card liability waivers on fraudulent transactions and Credit Card loss, upon prompt reporting
FEES & LIST OF CHARGES
Lifetime FREE Credit Card
Joining Fees: NA
Annual fees: NA
DOCUMENTS NEEDED- CREDIT CARD
PAN Card/Form 60
Colour photograph
Address Proof
ID Proof
Bank statement or Income Proof
ELIGIBILITY CRITERIA
Employment status: Salaried or Self-Employed
Income: Rs 21,000 per month (Salaried), Rs 30,000 per month (self-employed)
Required Age: 21-60 years
AU Altura Credit Card – Earn reward points every time you spend
Apply Now Click Here
Fuel waiver, railway lounge benefits & more with Lifetime FREE AU Altura Credit Card
Get 5% Cashback on minimum Rs 2,500 retail spends done within first 60 days of card setup
You Earn Flat Rs 1540 Profit on Successful Card Disbursal
FEATURES OF THE CARD
2% Cashback on all retail spends done at Grocery stores, Departmental stores and Utility bill payments (Maximum cashback per statement cycle is Rs 50)
1% Cashback on all other retail spends (Maximum cashback per statement cycle is Rs 50)
Get additional cashback of Rs 50 on completing a minimum of Rs 10,000 retail spends in every statement cycle
2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra
1% Fuel Surcharge Waiver for fuel transactions done between Rs 400 and Rs 5,000 across all fuel stations in the country
Convert your transactions worth INR 2,000 or more into easy EMI options on selected tenure of your choice
PARTNER DISCOUNTS
10% Instant Discount (Upto Rs 1,000) on Flipkart Orders Above Rs 10,000
Additional 10% Off (Upto Rs 1000) on a minimum purchase of Rs 3999 on selected styles on Myntra
15% instant discount (Upto Rs 300 per month) on Tata CLiQ Orders Above Rs 500
10% off on Groceries (Upto Rs 100) on Blinkit app orders above Rs 499
10% off on Swiggy Instamart (Upto Rs 100 per month) on Orders Above Rs 500
FEES & LIST OF ALL CHARGES
Lifetime FREE Credit Card
Joining Fees: Nil
Annual Fees: Nil
ELIGIBILITY CRITERIA- CREDIT CARD
Required Age: 21-60 years
Employment status: Salaried or Self-Employed
Income: Rs 25,000 per month (Salaried and Self-employed)
Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000
No Delayed Payments in the last 12 months
Required Credit Score: 700+
DOCUMENTS NEEDED
Valid PAN Card
Aadhar Card – should be linked to Mobile (For EKYC)
Address proof
Income Proof (if opted for Income surrogate)
AU Altura Plus Credit Card
Apply Now Click Here
1.5% Cashback on all POS retail spends done (Except Fuel) at merchant outlets (Maximum cashback per statement cycle is Rs 100) 2X Reward Points (i.e., 2 Reward Points per Rs 100 retail spends) for all your online transactions
2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in these cities New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra
1% Fuel Surcharge Waiver for fuel transactions done between Rs 400 and Rs 5,000 across all fuel stations in the country
Convert your transactions worth INR 2,000 or more into easy EMI options on selected tenure of your choice
PARTNER DISCOUNTS
10% Instant Discount (Upto Rs 1,000) on Flipkart Orders Above Rs 10,000
Additional 10% Off (Upto Rs 1000) on Myntra
15% instant discount (Upto Rs 300 per month) on Tata CLiQ Orders Above Rs 500
10% off on Groceries (Upto Rs 100) on Blinkit app orders above Rs 499
FEES & LIST OF ALL CHARGES
Lifetime FREE Credit Card
Joining Fees: Nil
Annual Fees: Nil
ELIGIBILITY CRITERIA- CREDIT CARD
Required Age: 21-60 years
Employment status: Salaried or Self-Employed
Income: Rs 25,000 per month (Salaried and Self-employed)
Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000
No Delayed Payments in the last 12 months
Required Credit Score: 700+
DOCUMENTS NEEDED
Valid PAN Card
Aadhar Card – should be linked to Mobile (For EKYC)
Address proof
Income Proof (if opted for Income surrogate)
IDFC FIRST Credit Card
Apply Now Click Here
Lifetime Free Credit Card
Rs 500 worth of gift voucher from IDFC Bank
Personal Accidental Cover Of Upto Rs 10,00,000
Upto 10X Rewards on Online Transactions
Upto 20% off on movie tickets every month
5% Cashback on First EMI Payment
ELIGIBILITY CRITERIA
Income group: Rs 25,000 and above
Age group: 18-70 years
Credit card holders are preferred
Required Age: 21-60 years
Documents Needed
PAN Card/Form 60
Address proof
Colour photograph
ID Proof
Income proof
Fees & List of all charges
Joining Fees: Nil
Annual Fees: Nil
Interest rate: 0.75-3.5% per month
Cash Withdrawal charges: Rs 250 per transaction
Card Replacement charges: Rs 100
IndusInd Legend Credit Card
Apply Now Click Here
Lifetime Free Credit Card | No Joining or Annual Fees
Earn 2 Reward Points on purchase of Rs 100 (1 Reward Point = Rs 0.75)
Buy 1 Get 1 Free on BookMyShow – 3 Free tickets every month
Instant Discount on Swiggy, EazyDinner & more brands
8 Complimentary Lounge Access (International & Domestic)
Get Priority pass membership
Lowest Forex Markup Charge in the market, 1.8%
Earn 4,000 bonus Reward Points on spending Rs 6,00,000 or more within one year from the date of issue of your credit card
PARTNER DISCOUNTS
Upto Rs 400 Off on Orders Above Rs 2000 on Ajio
Rs 100 Off on purchase of Food & Beverage on Orders Above Rs 350 on PVR
Additional 15% Off on Lifestyle on Orders Above Rs 1999
Get Upto Rs 1000 Off on Flight & Hotel bookings on EaseMyTrip
Get 15% discount (upto Rs 500) on Orders Above Rs 1500 on EazyDiner
ELIGIBILITY CRITERIA
Income group: Rs 80,000 for Salaried and Rs 1,00,000 for Self-Employed
Age group: 21-65 years
Credit Score: 650+
No Delayed Payments in the last 12 months
Existing Home or Auto Loan
Existing active credit card with a limit of more than Rs 50,000 of any bank
DOCUMENTS NEEDED
No physicals documents required
Keep your Aadhaar and PAN number handy
FEES & LIST OF ALL CHARGES
Lifetime Free Card
Joining Fees: Nil
Annual Fees: Nil
Annual Fee Waiver: Not applicable
Axis Neo Credit Card
Apply Now Click Here
Get 40% Off on Zomato – 2 times a month
10% Off on Myntra everytime
5% Off on Utility Bill payments via Amazon pay.- once per month
10% Off on Blinkit (Max Discount Rs 250)
10% Off on BookMyShow (Max discount – Rs 100) – valid once a month
OTHER AMAZING OFFERS
Get 1 Edge reward point on every Rs 200 spent ( 1 RP = Rs 0.20)
Upto 15% Off at partner restaurants under Dinning Delights program via EazyDiner
Get zero lost card liability waivers on fraudulent transactions and Credit Card loss, upon prompt reporting
FEES & LIST OF CHARGES
Lifetime FREE Credit Card
Joining Fees: NA
Annual fees: NA
DOCUMENTS NEEDED
PAN Card/Form 60
Colour photograph
Address Proof
ID Proof
Bank statement or Income Proof
ELIGIBILITY CRITERIA
Employment status: Salaried or Self-Employed
Income: Rs 21,000 per month (Salaried), Rs 30,000 per month (self-employed)
Required Age: 21-60 years
CREDIT CARDS WITH ANNUAL FEE & JOINING FEE APPLICABLE
SBI Cashback Credit Card – Welcome to the World of Amazing Cashback
Apply Now Click Here
5% Cashback on Online spends and 1% Cashback on Offline Spends
Cashback is capped at Rs 5000 per month combined for both Online & Offline spends
Annual fee waiver on annual spends of Rs 2,00,000 or more
MORE FEATURES OF THE CARD
1% Fuel Surcharge waiver upto Rs 100 / statement cycle on transaction between Rs 500 to Rs 3000
Add on Cards for your parents, spouse, children or siblings above the age of 18
Withdraw cash from over 1 million VISA across the globe
Card Cashback will be auto-credited to your SBI Card account within two days of your next statement generation
ELIGIBILITY CRITERIA
Employment status: Salaried or Self-Employed
Income: Rs 30,000 per month
Required Age: 21-60 years
Credit Score – 650+
New to credit – Only for Salaried
Credit Card holders are preferred
No delay payments in last 12 months
Card Holders should be an Indian Citizens or a Non Resident Indian
DOCUMENTS NEEDED
ID proof
Address proof
Income Proof
PAN Card/Form 60
FEES AND LIST OF CHARGES
Joining Fees: Rs 999 + GST
Annual Fees: Nil for First year, Rs 999 + GST – Second year onwards
Annual Fees will be waived on annual spends of Rs 2 Lacs
HDFC Shoppers Stop Credit Card
Apply Now Click Here
Complimentary First Citizen Silver Edge membership worth Rs 350
Earn 3x Reward points on Shoppers Stop Private brands shopping – 2.4% back
Welcome voucher worth Rs 500 redeemable on shopping of Rs 3000 or more at Shoppers Stop stores on private label brands
Bonus 2000 Reward points on annual spends of 2L or more
Link your Rupay Credit card with UPI and avail ~Scan n Pay~
OTHER AMAZING OFFERS
2.4% back as Reward Points on Shoppers Stop Private brands
0.8% back as Reward Points on other Shoppers Stop brands
0.8% back as Reward Points on all other spends like Groceries, shopping, etc
FEES AND LIST OF CHARGES
Joining Fees: Rs 299
Annual Fees: Rs 299
ELIGIBILITY CRITERIA
Age group: 21-65 years
Employment status: Salaried or Self-Employed
Minimum Income: Rs 20,000 per month (Salaried)
Minimum Income: Rs 50,000 per month (Self-Employed)
Credit score: 700+
You should be citizen of India or a Non-Resident Indian
DOCUMENTS NEEDED
Address Proof – Aadhaar, Passport, Latest utility bills
ID proof – PAN, Voter ID, Passport
Income proof – Bank Statement, Salary Slips
Axis MyZone Credit Card
Apply Now Click Here
Get Complimentary SonyLiv Premium Annual Subscription of Rs 999
Flat Rs 120 Off on Swiggy on minimum order of Rs 500 applicable twice a month (Max discount Upto Rs 240 per month)
Buy one ticket and get 100% Off on second ticket at Paytm Movies (Max Discount Rs 200 per month)
All the Cashback that you earn using Axis My Zone Card, can be deducted from your credit card statement, just like real money
You Earn Flat Rs 1960 Profit on Successful Card Disbursal
OTHER FEATURES OF THE CARD
Upto Rs 1000 Off on AJIO on minimum spends of Rs 2999 on select styles
4 Complimentary Lounge access on select domestic airports (1 per quarter)
4 EDGE REWARDS points per Rs 200 spent (Not Applicable on fuel, movie, Insurance, Wallet, Rent, Utilities, Education, Government Institutions and EMI transactions)
Dining delights offering Upto 15% Off at partner restaurants in India (Max Discount Rs 500)
1% Fuel Surcharge waiver at all petrol pumps across the country for spends between Rs 400 to Rs 4000
FEES AND LIST OF ALL CHARGES
Joining Fees: Rs 500
Annual Fees: Rs 500
DOCUMENTS NEEDED
PAN Card/Form 60
Colour photograph
Address proof
ID Proof
Income proof
ELIGIBILITY CRITERIA
Employment status: Salaried or Self-Employed
Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed)
Required Age: 21-65 years
HSBC Cashback Credit Card – One of the best cashback credit cards in India!
Apply Now Click Here
Get 10% accelerated cashback on all dining, food delivery and grocery spends (capped upto Rs 1,000 per billing cycle)
4 complimentary domestic lounge visits per year (1 per quarter)
1.5% unlimited cashback on all other spends
Annual fee waiver on annual spends of Rs 2,00,000 or more
OTHER AMAZING OFFERS
Make transactions of minimum Rs 10,000 within first 30 days to get Amazon vouchers worth Rs 1000
5% discount on Amazon spendings of Rs 1,000 or above
Exclusive monthly offers on Amazon, Amazon pay, Blinkit, Easydinner, Pharmeasy etc.
Zero liability for lost cards
Emergency card replacement
ELIGIBILITY CRITERIA
Employment status: Salaried or Self-Employed
Income: Rs 4,00,000 per annum (for salaried individuals)
Required Age: 18-65 years
You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune
DOCUMENTS NEEDED
PAN Card/Form 60
Address Proof
ID Proof
Income Proof
FEES & LIST OF CHARGES
Joining Fees: Rs 999 + GST
Annual Fees: Nil for First year, Rs 999 + GST Second year onwards
Annual Fees will be waived on annual spends of Rs 2 Lacs
SBI Simply Click Credit Card
Apply Now Click Here
Get Amazon Gift Card worth Rs 500 on payment of Annual Fee as a Welcome Gift from SBI Bank
Earn 10X Reward Points on online spends with exclusive partners like Apollo 24×7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmeds & Yatra
Earn 5X Reward Points on all other online spends
OTHER AMAZING OFFERS
e-voucher worth Rs 2,000 on annual online spends of Rs 1 Lakh
e-voucher worth Rs 2,000 on annual online spends of Rs 2 Lakhs
1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000
Annual fee waiver on yearly spends above Rs 1 Lakh
ELIGIBILITY CRITERIA
Employment status: Salaried or Self-Employed
Income: Rs 30,000 per month and above
Required Age: 23-60 years
Credit Score – 650+
New to credit – Only for Salaried
Credit Card holders are preferred
No delay payments in last 12 months
Card Holders should be an Indian Citizens or a Non Resident Indian
DOCUMENTS NEEDED
ID proof
Address proof
Income proof
PAN Card/Form 60
FEES AND LIST OF ALL CHARGES
Joining Fees: Rs 499+GST
Annual Fees: Rs 499+GST Second year onwards
HDFC Bank IRCTC Credit Card
Apply Now Click Here
Get a Welcome voucher worth Rs 500 on card activation
5 Reward points for every Rs 100 spent on IRCTC ticketing website & Rail Connect App
Additional 5% Cashback on train ticket bookings via HDFC Bank SmartBuy
Credit Card to UPI – The HDFC IRCTC Credit Card can be linked to your UPI
OTHER AMAZING OFFERS
8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
1% fuel surcharge waiver (Upto Rs 250) at all fuel stations across India (Transaction of Rs 400 – Rs 5,000)
Upto 50 days of interest free period on your IRCTC HDFC Bank Credit Card from the date of purchase
ELIGIBILITY CRITERIA
Age group: 21-60 years
Employment status: Salaried or Self-Employed
Minimum Income: Rs 25,000 per month (Salaried)
Minimum Income: Rs 6,00,000 per annum (Self-Employed)
DOCUMENTS NEEDED
Address Proof – Aadhaar, Passport, Latest utility bills
ID proof – PAN, Voter ID, Passport
Income proof – Bank Statement, Salary Slips
FEES & LIST OF ALL CHARGES
Joining Fees: Rs 500 + GST
Annual Fees: Rs 500 + GST
Axis Flipkart Credit Card
Apply Now Click Here
ELIGIBILITY CRITERIA
Employment status: Salaried or Self-Employed
Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed)
Required Age: 21-70 years
Standard Chartered EaseMyTrip Credit Card
Apply Now Click Here
Flat 10% instant discount on flight bookings at EaseMyTrip
10x rewards on every Rs 100 spent on Hotels & Flights
2 rewards on every Rs 100 spent on all other categories Value savings of more than Rs 27000 yearly on domestic trips
Complimentary lounge access – 1 domestic per calendar quarter and 2 international per year
ELIGIBILITY CRITERIA
Income group: Rs 7 Lacs and above yearly and above
Age group: 27-55 years
Documents Needed
1.PAN Card
2.Bank Statement for last 6 months
3.Aadhar Card
4.Payslip / ITR
Fees & List of all charges
Joining Fees: Rs 350 + GST
Annual Fees: Rs 350 + GST
Renewal fee (2nd year onwards) waived on spends of Rs 50,000 or more in the previous year
HDFC Bank Credit Card
Apply Now Click Here
Get Amazon Gift Voucher worth upto Rs 1500 as Welcome Gift
Exciting discounts on online purchases across partners brands
Complimentary access to airport lounges at domestic and international airports
Get lucrative vouchers on meeting minimum monthly spending criteria
Leverage revolving credit facilities at nominal interest rates
You earn rewards on all spends that can be redeemed for exciting gifts, vouchers or free flight tickets
ELIGIBILITY CRITERIA
Age group: 21-65 years
Employment status: Salaried or Self-Employed
Minimum Income: Rs 20,000 per month (Salaried)
Minimum Income: Rs 50,000 per month (Self-Employed)
Credit Score: 700+
You should be citizen of India or a Non-Resident Indian
DOCUMENTS NEEDED
Address Proof – Aadhaar, Passport, Latest utility bills
ID proof – PAN, Voter ID, Passport
Income proof – Bank Statement, Salary Slips
FEES & LIST OF ALL CHARGES
Joining Fees: Starting at Rs 500 + GST (Depending upon the card selected)
Annual Fees: Starting at Rs 500 + GST (Depending upon the card selected)
