Credit cards have become an invaluable companion in our lives. Credit cards have revolutionized the way we spend our money. In today’s digital age, credit cards have become an essential feature of our financial lives. They provide an easy and secure way of doing transactions. It doesn’t matter which country you live in. Whether you are looking to buy a new outfit, dine at a fancy restaurant, or travel to your dream destination, a credit card will always be your invaluable ideal companion.
However, with so many credit card options available in the market from different companies, finding the right one can be a daunting task. But don’t worry – we’re here to help!
In this article, we shall be discussing the top five credit cards that will definitely meet your specific needs and preferences. Whether you’re looking for cashback, rewards, or discounts, we’ve got the best credit cards for you. So sit back, and let us help you find the best credit card in India!
Table of Contents
The best Credit cards list is given below
1. HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card is a premium credit card that caters to the lifestyle needs of high-income individuals. With its exclusive privileges, this card is tailored for frequent travelers, offering a world of luxury and convenience.
Key Features and Benefits
Lifestyle
- Flat 30% OFF via Dineout with HDFC Bank Regalia credit card
- 5% Cashback on Amazon, BookMyShow, Zomato & more using HDFC Bank Millenia credit card
- 5X Reward points on EMI using HDFC Bank MoneyBack + credit card
Travel
- 15000 Bonus reward points every year on flight & hotel bookings with HDFC Bank Regalia credit card
- Complimentary lounge access at over 1000 airports with HDFC Bank Regalia credit card
Fuel
- Up To 50 liters of free fuel annually using IndianOil HDFC Bank Credit Card -1% Fuel Surcharge waiver using IndianOil HDFC Bank Credit Card
Other
- 1000 Free Gift voucher on spends above 1 lakh using HDFC Bank Millenia credit card
- Free Gift vouchers worth upto 2500 annually using HDFC Bank MoneyBack + credit card
Eligibility Criteria
To apply for the HDFC Bank Regalia Credit Card, individuals must meet the bank’s income and credit score criteria. Generally, this card is accessible to those with a higher income bracket.
For Salaried Customer
| Age Group | Income Range |
| 21-60Years | 15000+ |
Document Required
| Identity Proof | Address Proof |
| Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter’s ID Card, Driving Licence | Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card |
For Self Employed Customer
| Age Group | Income Range |
| 21-60Years | Customers must have a regular source of income |
Document Required
| Identity Proof | Address Proof |
| Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter’s ID Card, Driving Licence | Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card |
How to Apply
Interested applicants can visit the HDFC Bank website or visit their nearest branch to apply for the Regalia Credit Card. The application process involves providing necessary documents and meeting the eligibility requirements.
2. SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is designed to cater to the needs of online shoppers. With a focus on rewarding online spending, this card offers attractive cashback and discounts on popular e-commerce platforms.
Key Features and Benefits
- Welcome e-gift voucher on joining
- Accelerated rewards on online spends
- Fuel surcharge waiver
- Redeem reward points for online shopping
- Exclusive offers on partner websites
Fuel
- 13X Reward points on fuel purchases at any BPCL petrol pumps
- 1% Fuel surcharge waiver on purchases above 500
- Annual savings of 1200 on fuel
Other
- FREE Amazon gift voucher worth 500 on joining
- 2000 bonus points worth 500 on paying the joining fee
- Win 1 reward point on other spends
- Annual fee reversal if previous year spends is Rs50,000, 5X reward points on every 100 spent at Grocery, Stores, Movies & Dine-in
Eligibility Criteria
For Salaried Customer
| Age Group | Income Range |
| 21-60Years | 20000+ |
Document Required
| Identity Proof | Address Proof |
| Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter’s ID Card, Driving Licence | Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card |
For Self Employed Customer
| Age Group | Income Range |
| 21-60Years | 30000+ |
Document Required
| Identity Proof | Address Proof |
| Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter’s ID Card, Driving Licence | Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card |
How to Apply
Applicants can apply for the SBI SimplyCLICK Credit Card through the SBI website or by visiting their nearest branch. The application process includes submitting the necessary documents and meeting the eligibility criteria.
3. Axis Bank Buzz Credit Card
Axis Bank Buzz Credit Card is tailored for shopaholics and offers attractive discounts and cashback on online and offline shopping.
Key Features and Benefits
- Welcome gift voucher on joining
- Extra reward points on online shopping
- Discounts on partner stores
- EMI conversion for large purchases
- Fuel surcharge waiver
Shopping
- Free Amazon Voucher of 500 with Airtel Axis bank credit card
- Get a Decathlon Voucher for 750 with an Axis Aura credit card
- Free Amazon voucher of 2000 with Axis Select credit card
Travel
- Travel voucher worth 5000 with Axis Privilege credit card
- Complimentary flight tickets with Axis Vistara credit card
- 5X EDGE Miles on travel with Axis Atlas credit card
Dine-In
- 40% OFF on Swiggy with Axis MY Zone credit card
- Free Zomato Pro 3-month membership with Axis Neo credit card
- 4% Cashback on Swiggy & Zomato with Axis Ace credit card
Other
- 100% online process, takes ~5 mins
- Zero-interest EMIS
- Discount on movie tickets
- Waiver on fuel surcharges
- Access to airport lounges
- Discounts on hotel bookings & dine-in orders
Eligibility Criteria
Individuals interested in obtaining the Axis Bank Buzz Credit Card must meet the income and credit score criteria set by the bank. It is accessible to both salaried and self-employed individuals.
For Salaried Customer
| Age Group | Income Range |
| 21-60Years | 20000+ |
Document Required
| Identity Proof | Address Proof |
| Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter’s ID Card, Driving Licence | Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card |
For Self Employed Customer
| Age Group | Income Range |
| 21-60Years | 20000+ |
Document Required
| Identity Proof | Address Proof |
| Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter’s ID Card, Driving Licence | Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card |
How to Apply
Interested applicants can apply for the Axis Bank Buzz Credit Card through the bank’s website or by visiting a nearby branch. The application process includes providing the necessary documents and meeting the eligibility criteria.
4. ICICI Bank Credit Card
The ICICI Bank Coral Credit Card is designed to offer a wide range of benefits to cardholders, including rewards, discounts, and lifestyle privileges.
Key Features and Benefits
- Complimentary movie tickets
- Dining privileges at partner restaurants
- Cash rewards on groceries and utility bills
- Exclusive discounts on travel bookings
- Fuel surcharge waiver
Rewards and Cashback Offers
Cardholders can enjoy complimentary movie tickets, earn cash rewards on groceries and utility bills, and avail discounts on dining and travel bookings.
Eligibility Criteria
To apply for the ICICI Bank Coral Credit Card, individuals need to meet the bank’s income and credit score requirements. It is available to both salaried and self-employed individuals.
How to Apply
Interested applicants can apply for the ICICI Bank Coral Credit Card online through the bank’s website or by visiting a nearby branch. The application process involves submitting necessary documents and meeting the eligibility criteria.
5. IDFC FIRST Bank First Credit Card
IDFC FIRST Bank, one of India’s leading private sector banks, has ventured into the credit card segment with the launch of its first-ever credit card. The IDFC FIRST Bank First Credit Card aims to cater to the diverse financial needs of individuals while providing an array of benefits and rewards. In this article, we will delve into the features, benefits, eligibility criteria, and the application process of the IDFC FIRST Bank First Credit Card.
Key Features and Benefits
Welcome Benefits
Cardholders are welcomed with exciting benefits upon receiving their IDFC FIRST Bank First Credit Card. These benefits may include reward points, cashback offers, or special discounts on selected partner merchants.
Shopping
- 6X rewards on online purchases
- 50+ In-app discounts*
- 5% cash back on the first EMI done within 90 days
- 3X rewards on offline & rental spends
Movies
Avail discounts from 25%-50% on movies
Dine-In
Up to 20% OFF on dining in at 1500+ restaurants
Other
- Lifetime FREE Credit Card
- Earn rewards that never expire
- Zero over-limit fees, zero add-on charges
- Interest-free cash withdrawal from ATMs – Complimentary lounge & golf access on premium
cards
Personal Accident cover and Zero Lost Card Liability
Eligibility Criteria
The eligibility criteria for the IDFC FIRST Bank First Credit Card may vary based on the card variant and the applicant’s profile. Generally, the bank considers factors such as income, age, credit score, and existing relationship with the bank while evaluating applications.
How to Apply
Applying for the IDFC FIRST Bank First Credit Card is a hassle-free process. Here’s a step-by-step guide:
- Online Application: Visit the official IDFC FIRST Bank website and navigate to the credit card section. Fill out the online application form with your personal and financial details.
- Eligibility Check: The bank will conduct an eligibility check based on the information provided in the application form. If you meet the criteria, you will receive a credit card offer.
- Documents Submission: To complete the application process, submit the necessary documents, which may include identity proof, address proof, income proof, and recent passport-sized photographs.
- Verification and Approval: The bank will verify the documents and assess your creditworthiness. Upon successful verification, your credit card application will be approved, and the card will be dispatched to your registered address.
- Activation: Once you receive the credit card, follow the activation instructions provided by the bank to start using your IDFC FIRST Bank First Credit Card.
Is the Credit Card available to all customers?
The credit card’s availability depends on the bank’s discretion and the applicant’s eligibility. Meeting the bank’s criteria for income, age, credit score, and relationship with the bank enhances the chances of approval.
How can I check my credit card application status?
To check the status of your credit card application, you can either call the bank’s customer care helpline or visit the bank’s website and log in to your account to view the application status.
Are there any additional charges associated with the credit card?
Yes, credit cards may have annual fees, joining fees, interest charges on outstanding balances, and other fees. It’s essential to review the card’s terms and conditions to understand the applicable charges.
