Credit Cards

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Credit Card
Annual Fee
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 15 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Lifestyle
American Express® Gold Card
 
4.0 / 5.0
by 30 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
Citibank Rewards Card
 
4.0 / 5.0
by 381 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
HSBC Visa Platinum Card
 
4.0 / 5.0
by 13 users
Annual Fee:
Joining Fee: Nil
1st year Annual Fee:Nil
2nd year Annual Fee:Nil
Reward type:
Shopping and Cashback
The NEW American Express®MakeMyTrip Credit Card
 
4.0 / 5.0
by 5 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
JetPrivilege HDFC Bank World Credit Card
 
3.5 / 5.0
by 39 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Airline
SBI Signature Card
 
3.5 / 5.0
by 14 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Premium
Citibank PremierMiles Card
 
4.0 / 5.0
by 18 users
Annual Fee:
3000 + ST
Reward type:
Airline
Jet Airways American Express®Platinum Credit Card
 
5.0 / 5.0
by 2 users
Annual Fee:
5,000 + ST
Reward type:
Airline
American Express® Platinum Reserve Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
5,000 + ST
Reward type:
Premium
The American Express® Platinum Travel Credit Card
 
4.0 / 5.0
by 16 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
The American Express PAYBACK®Credit Card
 
3.5 / 5.0
by 30 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST (waived if spend over 1,50,000)
Reward type:
Shopping and Cashback
ICICI Bank HPCL Coral VISA Credit Card
 
3.5 / 5.0
by 66 users
Annual Fee:
1st year: 199 + ST NIL (Fee of 199 will be levied if spend < 5,000 within 60 days)
2nd year onwards:199 + ST (waived if prev. year spend > 50,000)
Reward type:
Fuel
Jet Airways ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 1250 500
2nd year onwards: 1250 + Service Tax
Reward type:
Airline
Jet Airways ICICI Bank Rubyx VISA Credit Card
 
0.0 / 5.0
by 0 users
Annual Fee:
1st year: 2500 1250
2nd year onwards: 2500 + Service Tax
Reward type:
Airline
HDFC Bank Diners Rewardz Credit Card
 
3.0 / 5.0
by 17 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 173 users
Annual Fee:
1st year: 1000 500 + ST
2nd year onwards: 500 + ST (waived if prev. year spend over 1,25,000)
Reward type:
Lifestyle
ICICI Bank Platinum Chip VISA Credit Card
 
3.5 / 5.0
by 228 users
Annual Fee:
1st year: Nil
2nd year onwards: 99 + ST (waived if prev. year spend over 50,000)
Reward type:
Shopping and Cashback
Jet Airways ICICI Bank Sapphiro VISA Credit Card
Annual Fee:
1st year: 5000 2500
2nd year onwards: 5000 + Service Tax
Reward type:
Airline
ICICI Bank Rubyx Credit Cards
 
4.0 / 5.0
by 6 users
Annual Fee:
1st year: 3,000 + ST
2nd year onwards: 2,000 + ST (waived if spend ≥ 2,50,000 in prev. year)
Reward type:
Premium
ICICI Bank Sapphiro Credit Cards
Annual Fee:
1st year: 6,000 + ST
2nd year onwards: 3500 + ST (waived if spend ≥ 5,00,000 in prev. year)
Reward type:
Premium
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 353 users
Annual Fee:
Nil
Reward type:
Fuel
Standard Chartered Visa Infinite Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
Standard Chartered Inner Circle Platinum Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
Standard Chartered Emirates Platinum Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: 13,999
Renewal Fee 2nd year onwards: 13,999
Reward type:
Airline
Standard Chartered Platinum Rewards Credit Card
 
3.0 / 5.0
by 24 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Standard Chartered Super Value Titanium Credit Card
 
4.0 / 5.0
by 20 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Standard Chartered Manhattan Platinum Credit Card
 
4.0 / 5.0
by 23 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 999
Reward type:
Shopping & Cashback
Standard Chartered Yatra Platinum Credit Card
 
3.0 / 5.0
by 4 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Annual Fee 2nd year: 499
Reward type:
Airline
Air India SBI Signature Card
 
3.5 / 5.0
by 1 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Airline
Air India SBI Platinum Card
 
4.0 / 5.0
by 7 users
Annual Fee:
1st year: 1499 + GST@14%
2nd year onwards: 1499 + GST@14%
Reward type:
Airline
SBI Platinum Card
 
3.5 / 5.0
by 102 users
Annual Fee:
1st year: 2999 + GST@14%
2nd year onwards: 2999 + GST@14%
Reward type:
Premium
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 45 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
Jet Airways IndusInd Bank Voyage Visa Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
IndusInd Bank Chelsea FC Credit Card
 
4.5 / 5.0
by 3 users
Annual Fee:
1099
Reward type:
Lifestyle
HDFC Bank Diners Premium Credit Card
 
3.5 / 5.0
by 11 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Airline
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 83 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
HDFC Bank All Miles Credit Card
 
4.0 / 5.0
by 16 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Airline
SBI Simply Save Card
 
4.0 / 5.0
by 12 users
Annual Fee:
1st year: 499 + GST@14%
2nd year onwards: 499 (Nil If total spends on the Credit card is 75,000 or more in the preceding year)
Reward type:
Shopping and Cashback
JetPrivilege HDFC Bank World Credit Card
 
3.5 / 5.0
by 39 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Airline
Citibank PremierMiles Card
 
4.0 / 5.0
by 18 users
Annual Fee:
3000 + ST
Reward type:
Airline
Jet Airways American Express®Platinum Credit Card
 
5.0 / 5.0
by 2 users
Annual Fee:
5,000 + ST
Reward type:
Airline
Jet Airways ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 1250 500
2nd year onwards: 1250 + Service Tax
Reward type:
Airline
Jet Airways ICICI Bank Rubyx VISA Credit Card
 
0.0 / 5.0
by 0 users
Annual Fee:
1st year: 2500 1250
2nd year onwards: 2500 + Service Tax
Reward type:
Airline
Jet Airways ICICI Bank Sapphiro VISA Credit Card
Annual Fee:
1st year: 5000 2500
2nd year onwards: 5000 + Service Tax
Reward type:
Airline
Standard Chartered Emirates Platinum Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: 13,999
Renewal Fee 2nd year onwards: 13,999
Reward type:
Airline
Standard Chartered Yatra Platinum Credit Card
 
3.0 / 5.0
by 4 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Annual Fee 2nd year: 499
Reward type:
Airline
Air India SBI Signature Card
 
3.5 / 5.0
by 1 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Airline
Air India SBI Platinum Card
 
4.0 / 5.0
by 7 users
Annual Fee:
1st year: 1499 + GST@14%
2nd year onwards: 1499 + GST@14%
Reward type:
Airline
Jet Airways IndusInd Bank Voyage Visa Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
HDFC Bank Diners Premium Credit Card
 
3.5 / 5.0
by 11 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Airline
HDFC Bank All Miles Credit Card
 
4.0 / 5.0
by 16 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Airline
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 15 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Lifestyle
American Express® Gold Card
 
4.0 / 5.0
by 30 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 173 users
Annual Fee:
1st year: 1000 500 + ST
2nd year onwards: 500 + ST (waived if prev. year spend over 1,25,000)
Reward type:
Lifestyle
Standard Chartered Inner Circle Platinum Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
IndusInd Bank Chelsea FC Credit Card
 
4.5 / 5.0
by 3 users
Annual Fee:
1099
Reward type:
Lifestyle
ICICI Bank HPCL Coral VISA Credit Card
 
3.5 / 5.0
by 66 users
Annual Fee:
1st year: 199 + ST NIL (Fee of 199 will be levied if spend < 5,000 within 60 days)
2nd year onwards:199 + ST (waived if prev. year spend > 50,000)
Reward type:
Fuel
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 353 users
Annual Fee:
Nil
Reward type:
Fuel
Standard Chartered Super Value Titanium Credit Card
 
4.0 / 5.0
by 20 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 381 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
HSBC Visa Platinum Card
 
4.0 / 5.0
by 13 users
Annual Fee:
Joining Fee: Nil
1st year Annual Fee:Nil
2nd year Annual Fee:Nil
Reward type:
Shopping and Cashback
The NEW American Express®MakeMyTrip Credit Card
 
4.0 / 5.0
by 5 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
The American Express® Platinum Travel Credit Card
 
4.0 / 5.0
by 16 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
The American Express PAYBACK®Credit Card
 
3.5 / 5.0
by 30 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST (waived if spend over 1,50,000)
Reward type:
Shopping and Cashback
HDFC Bank Diners Rewardz Credit Card
 
3.0 / 5.0
by 17 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
ICICI Bank Platinum Chip VISA Credit Card
 
3.5 / 5.0
by 228 users
Annual Fee:
1st year: Nil
2nd year onwards: 99 + ST (waived if prev. year spend over 50,000)
Reward type:
Shopping and Cashback
Standard Chartered Platinum Rewards Credit Card
 
3.0 / 5.0
by 24 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Standard Chartered Manhattan Platinum Credit Card
 
4.0 / 5.0
by 23 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 999
Reward type:
Shopping & Cashback
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 83 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
SBI Simply Save Card
 
4.0 / 5.0
by 12 users
Annual Fee:
1st year: 499 + GST@14%
2nd year onwards: 499 (Nil If total spends on the Credit card is 75,000 or more in the preceding year)
Reward type:
Shopping and Cashback
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 15 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Lifestyle
SBI Signature Card
 
3.5 / 5.0
by 14 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Premium
American Express® Platinum Reserve Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
5,000 + ST
Reward type:
Premium
ICICI Bank Rubyx Credit Cards
 
4.0 / 5.0
by 6 users
Annual Fee:
1st year: 3,000 + ST
2nd year onwards: 2,000 + ST (waived if spend ≥ 2,50,000 in prev. year)
Reward type:
Premium
ICICI Bank Sapphiro Credit Cards
Annual Fee:
1st year: 6,000 + ST
2nd year onwards: 3500 + ST (waived if spend ≥ 5,00,000 in prev. year)
Reward type:
Premium
Standard Chartered Visa Infinite Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
SBI Platinum Card
 
3.5 / 5.0
by 102 users
Annual Fee:
1st year: 2999 + GST@14%
2nd year onwards: 2999 + GST@14%
Reward type:
Premium
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 45 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
Citibank Rewards Card
 
4.0 / 5.0
by 381 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 353 users
Annual Fee:
Nil
Reward type:
Fuel
Standard Chartered Visa Infinite Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
Standard Chartered Inner Circle Platinum Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
Standard Chartered Platinum Rewards Credit Card
 
3.0 / 5.0
by 24 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Standard Chartered Super Value Titanium Credit Card
 
4.0 / 5.0
by 20 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Standard Chartered Manhattan Platinum Credit Card
 
4.0 / 5.0
by 23 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 999
Reward type:
Shopping & Cashback
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 83 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
SBI Simply Save Card
 
4.0 / 5.0
by 12 users
Annual Fee:
1st year: 499 + GST@14%
2nd year onwards: 499 (Nil If total spends on the Credit card is 75,000 or more in the preceding year)
Reward type:
Shopping and Cashback

*Check eligibility to see cards you are eligible for

Here are the main highlights of Credit Cards

Credit Card 4.0 / 5.0 by 11485 users  
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What is Credit Card?

Today, credit cards are an inevitable part of life. A benefit, accorded to individuals with the means to repay a loan or obligation in the stipulated time (as proven by their analysed credit histories), credit cards are a common mode of purchase and payments. In India, almost all nationalized and private banks, alongside a sizable number of private and public sector banking institutions offer their patrons the unlimited advantage of highly personalized credit cards.

BankBazaar offers you a wide selection of these cards, alongside the option to apply for them directly online. Why would you need a credit card? Read on…

How to use Credit Card? - Features of Credit Card:

The fundamental advantage of owning a credit card is that it eliminates the need for liquid cash, thereby offering protection to your monies and seamless convenience to you. Instead of buying products or services with hard currency, a simple swipe at the retailer’s outlet is all that it takes. Alongside this convenience, credit cards offer a string of other benefits including,

  1. Cash Back- For a designated amount spent using the credit card, a percentage is credited back to you. Usually, the cash back earned can be adjusted against the repayments due on your card.
  2. Reward Points- A specific limit of spending on your credit card earns you a specified number of reward points. These points can be redeemed for gifts, products and services on the bank’s own online facility or across a third party platform.
  3. Interest Free Credit- 0% interest rate on purchases done using the credit card. That’s right, a spend of Rs. X requires you to pay back just Rs. X and nothing more.
  4. Discount Offers- Partnerships between the card issuing bank and retail chains, e-commerce websites and other shopping facilities offer a specified percentage of discounts if the former’s credit card is used in the transaction at the said shopping facility.
  5. Co-Branded Cards- These cards as issued by a particular bank or financial institution is in association with another business organization wherein special privileges including discounts and reward points are offered to a customer who shops at the said business outlet. The co-branded cards usually display the logos of both partners and is beneficial to those who frequent a said business outlet. Co-branding is common between banks and airline companies, petrol station franchises and promoters of high-end lifestyle products and services.
  6. Source of Ready Cash- Your credit card can also be used at an ATM to draw out money. While the interest applicable on such transactions are usually very high, this option could be handy through an unforeseen financial contingency.

What Happens after I Swipe My Credit Card at a Merchant’s POS Machine?

Of course, the million dollar question. While the mechanics of using a credit card on a day-to-day basis isn’t too complicated, the associated back-end process associated with a simple card swipe is too technical for a common individual to comprehend. In actuality, the procedure is very simple and safe-

  1. Purchase over, you hand the credit card to the retailer to pay for your purchase. He swipes, with an accompanying smile, of course.
  2. The merchant’s Point of Sale (POS) system is connected to the merchant’s bank via a communication link.
  3. Thanks to the POS system, your details are verified in real-time using the electronic verification system by the merchant’s bank. The verification is with regards to your credentials, validity of the card and availability of sufficient balance to pay for the purchase.
  4. Post the verification from the merchant’s bank, the details are forwarded to your bank for payment authorization if all the information is in order.
  5. When the merchant’s bank receives this authorization, it blocks the requisite amount from your credit limit to account for the purchase later on. Next, it generates an approval code that is transmitted to the merchant.
  6. At the merchant outlet where you stand for the clearance to affect quickly, the retailer receives this code and must key it in to obtain two charge slip copies from the POS system. One of these slips signifies your agreement with the card issuing bank to pay for the current purchase. You sign on this slip and return it back to the retailer. The other copy is yours to take away from this transaction.
  7. Safe, comprehensive and fast, all of these steps were affected in less than 2 minutes. Neat, right?

Borrowing from a popular axiom, ‘With great power comes great responsibility’, and the same holds very true in the case of credit cards. While a handy financial help, a source of ready cash and a safe and beneficial way to pay for your purchases, the misuse of this facility could be detrimental to your long term financial health. Credit card debt, defaulting on your monthly repayments or drawing up a massive pile of credit card purchases and consequently, a stiff interest rate are things to be constantly aware of. The best way to enjoy your credit card is responsibly and with caution and tolerance. While the temptation may be high to unleash a shopping spree with your brand new credit card, remember, the money you spend is not your own- it must be returned back, with interest and on time!!

Why Apply for a Credit Card through BankBazaar?

BankBazaar, the helpful portal dedicated to comparing various banking products, including the comparison of credit cards, is a boon to any newbie, who is taking his/her first steps in the credit card universe. The reasons to apply for your first credit card with BankBazaar are many, the highlights of which are exemplified by the following-

Hassle Free Process- Strictly opposite to visiting a bank’s physical outlet, thereby incurring an expenditure of time, money and effort, applying for a credit card on BankBazaar is simpler and quicker. Plus, there are no documents to submit or verifications to affect immediately. Simple? It surely is.

Compare Credit Cards- BankBazaar lists almost all the popular credit cards, as issued by the various domestic and international banks and other financial institutions. The simple credit card comparison helps you to choose the card that best suits your requirements and limitations. All of this, from the comfort of your home or work-station.

Apply for Credit Card- Post the comparison, BankBazaar gives you the option to apply for your chosen credit card online, from its interactive and simple interface.

Know it All- From such informational bytes as the latest happenings across the Indian credit cards landscape to important details as credit card eligibility, all the information you need, in one convenient package on BankBazaar.

24x7 Support- Apply for a credit card online and enjoy BankBazaar’s brand of superior customer support, applicable 24x7, 365 days a year.

Applying for a credit card on BankBazaar is a simple and non-taxing process. The following steps list this process clearly-

  1. On BankBazaar’s homepage, access the ‘Credit Cards’ option from the navigation bar at the top of the page.
  2. Two options are offered to help simplify your search for the ideal credit card- ‘By Bank’ or ‘By Category’.
  3. Upon choosing the Apply ‘By Bank’ option, a comprehensive listing of all the major and popular credit cards are displayed before you. Each card offers two additional options- ‘Check Eligibility’ and ‘Explore Card’.
  4. Naturally, ‘Check Eligibility’ option will allow you to confirm upon the factors that qualify you for the ownership of the card in question. The steps involved are laid out in an interactive and fun format and takes all of 5 minutes to complete. At the end of this process, your details are requested for and a selection of the most applicable credit cards are displayed before you. Herein, you can apply for a card that matches your requirement directly.
  5. ‘Explore Card’ allows you to know about the particular credit card.
  6. Tracking back to Step 2, choosing the Apply ‘By Category’ option offers you credit cards in the following categories- Airline, Fuel, Lifestyle, Shopping & Cashback as well as Premium Credit Cards.
  7. Choosing any of the above categories will list a selection of cards in that category. Further, Step 3 and Step 4 are repeated.
  8. Upon applying for a credit card on BankBazaar, your information is forwarded to the card issuing bank for further analysis and confirmation. Note that not all credit cards that are listed as prospective options for you can be applied for directly on the website. In such cases, the process could take a while longer.

Top Banks providing Credit Cards in India:

  1. ICICI Credit Cards:

    When it comes to customer-centric and popular credit cards in India, few can compete with the offerings from ICICI Bank. Segregated into such attractive titles such as The Gemstone Collection, Airline Credit Cards and Fuel Credit Cards, these resources help ICICI’s patrons enjoy the high-life, fine dining, leisure and family activities, unlimited shopping and earn air-miles and reward points in return. Backed by world-class customer support, these cards are a universe in themselves, offering their owners convenience, simplicity, affordability and a refined credit card experience. The bank's commitment to online application and instant card approval allows first-time card owners to enjoy the ICICI Credit Card advantage (without breaking a sweat) and the robust security measures put in place ensure that safety is at the centre of everything. ICICI offers a thoughtful collection of credit cards that take into consideration the base requirements, elevated luxuries and the need for immediate financial support as required by its owner from time to time. And in each instance, the card performs admirably. Test it for yourself, now!

  2. SBI Credit Cards:

    SBI is one of the most trusted and in-demand banks in India that commands an attractive range of customer-centric and simplicity driven credit cards. Being a pioneer in almost all the product lines of commercial banking, SBI has also stepped very aggressively in the credit cards business. The products in SBI’s arsenal include premium cards, shopping and travel cards, classic cards and exclusive cards, each offering an amazing bonanza of benefits including free movie tickets, best in class concierge services, lounge access facilities, balance transfer facility, flexi payment in EMIs, reward points, online bills payment through pay net and a plethora of similar goodies. If you are looking for a reliable, comprehensive, simple and scalable credit card experience, SBI credit cards are the way to go. Apply through Bankbazaar today, and enjoy a different breed of credit card that was designed with you in mind.

  3. Citibank Credit Cards:

    As a division of Citi Group- a multinational financial service provider, Citibank is an absolute behemoth when it comes to credit cards on the national and international level. Its services in terms of credit cards are loaded with attractive benefits, and offer an irresistible variety, from lifestyle cards, shopping cards, fuel and travel cards to innovative options like the prepaid cards and corporate cards. With a powerful presence in the credit card industry, Citibank has set the benchmark for its competitors to aspire for in terms of quality, availability, features and customer support. Features such as reward points, easy EMIs, instant loans for your financial obligations and insurance benefits on your card make the Citibank credit card a serious contender for your personal banking needs. Apply through Bank Bazaar and enjoy the advantages of a multifaceted credit card like never before.

  4. HDFC Bank Credit Cards:

    HDFC Bank, a top bank in the Indian private sector has already rolled its sleeves to compete aggressively in the credit cards market. Every now and then, you will get acquainted with some special schemes and offers on HDFC bank credit cards, a range that includes featured cards, co-branded cards, super premium cards, professional cards, premium women, premium travel, premium card, regular card, commercial card and cash back card. Undoubtedly, the benefits and rewards attached to these cards are also pocket friendly like movie tickets, travel vouchers, golf club membership, air miles conversion, reward points, exclusive range of gifts, bill payment, EMI facility, cash-on-call, instant loans, dining offers and many more. Avail the HDFC Bank credit card advantage and enjoy a select range of exclusive offers and benefits. Apply through BankBazaar and be the proud owner of a HDFC bank credit card.

  5. American Express Credit Cards:

    Amex is an American multinational financial service provider and a pioneer in offering credit cards with several attractive, irresistible variations. On offer are cards for shopping, lifestyle, travel, to access select lounges and other commonplace as well as luxurious benefits. The patron is entitled to earn reward and loyalty points that can easily be converted into selected products and services including air miles. Amex has proved itself to be a market leader and a visionary when it comes to credit cards and its usage in a developing market such as India. Also on offer are cash cards and traveller’s cheques from Amex, backed by a robust and responsive customer service initiative. A few of the highlights from Amex credit cards include zero lost card liability, attractive offers, variety of cards in its arsenal, 24 x 7 customer support, membership rewards, payback features, privileged loyalty points and an extra dose of travel through its air miles offer. Sounds too good to be true? Apply for the Amex credit card through BankBazaar and enjoy a refined banking experience.

  6. IndusInd Bank Credit Cards:

    Founded in 1994, IndusInd Bank is the classic example of being ‘a novice by age but not by ability’. In fact, the bank boasts of one of the most recognizable line of credit cards with such products as the super-premium credit card, premium credit card, co- branded credit card and core credit card forming the crux of its offerings. Avail attractive features in terms of golf course membership, reward points, air miles conversion and instant loans for your financial needs, while being backed by an energetic and reliable banking institution. Find everything that can be expected from a world class credit card, and more, with IndusInd Bank credit card. Apply with BankBazaar today, and enjoy partnering a fast growing banking superstar through its attractive line of credit cards.

  7. Axis Bank Credit Cards:

    Axis Bank is a progressive bank with an impressive line-up of banking products and services. The Axis Bank credit cards are in a class of their own- offering range, flexibility and simplicity. The products on offer include the ‘Infinite Range’, the ‘Signature Range’ with flexi payment and travel benefits that are applicable to its co-branded cards and ‘My Cards’- exclusively designed for you. Axis Bank cards offer you numerous luxurious as well as everyday benefits like dining offers, airport lounge access offers, cash back, online bills payment, EMI conversion facility and lots more. Get the Axis Bank credit card advantage and put a new spin to your personal banking. Apply through Bankbazaar today!

FAQs for credit cards

  1. How does a credit card work as a cashless payment instrument?
  2. A credit card is a payment card issued by a particular bank for customers looking to avail instant credits to easily purchase goods and services without spending a single penny from their pockets. The bank extends a line of credit with which the user borrows money, to be paid to a merchant. The cardholder is required to pay back the borrowed sum of money subsequently to the lender bank along with extra interest rates.

  3. What are the different types of credit cards available for customers in India?
  4. Credit cards in India are available in different variants like Gold, Silver, Platinum, Titanium, Classic, Premium and Business, distinguished by the level of services they offer.

    Specific to a customer’s requirement the following are also offered:

    • Co-branded credit cards
    • Auto and fuel credit cards
    • Travel cards
    • Entertainment cards
    • Cashback cards
    • Credit cards for women
    • Lifestyle cards
    • Rewards cards

  5. What kind of features do credit cards offer in common to an Indian customer?
    • Cashback offers
    • Low Interest Rates
    • Balance Transfer Options
    • Free cards for life
    • Insurance coverage
    • Rewards points
    • Air Miles
    • Fuel surcharge waivers
    • Pre-approved loans on credit cards
    • Payment via monthly EMIs
    • Add-on cards

  6. How do I own a credit card in India?
  7. Customers need to get in touch with an executive from a bank of their choice and submit a filled-in application form with the required documents. The bank will process your application after appraising your credit history and will then approve the new credit card according to your requirements.

  8. How important is it to understand the interest rate charged by a bank on a particular credit card?
  9. In India, banks charge the highest rate of interests for credit cards, from 36% to 42% per annum. A bank decides the interest rate for a particular customer based on his credit history, financial capability and also depending on the type of card he chooses. Applicants with good credit scores and regular payment patterns get the best deals on their credit card interest rates.

  10. What are the different payment networks utilized by banks in India for credit card transactions?
  11. Banks in India have tied up with Visa, MasterCard and American Express (AMEX) to process credit card payments, connecting merchant accounts with the acquiring banks.

  12. What are the eligibility requirements to be fulfilled while acquiring a credit card?
  13. In India, banks generally offer credit cards to individuals above the age of 21 and with a steady monthly income. As part of their verification process, banks do a deep dive into the customer’s credit history and assess previous payment patterns to understand the customer’s financial situation. Only after ensuring that the applicant has the financial capability to repay the expenses incurred using a credit card, will the bank approve the customer’s application.

  14. Is there a minimum salary criterion required to be met while applying for credit cards in India?
  15. Yes, in India applicants are required to earn a minimum of Rs 75,000 to 1 Lakh per annum, though this criterion varies depending on the type of the card.

  16. What does APR refer to with respect to a credit card?
  17. Annual Percentage Rate (APR) or the ‘’cost’’ at which a customer takes credit from a bank, is the simple interest rate charged by a bank on expenses incurred on a credit card for a year.

  18. Do banks levy any charges for late payment of credit card bills?
  19. The best mantra while managing a credit card is to ‘’Pay as and when you can”. Delaying a credit card payment is not a wise option, as banks tend to impose high late payment fees and gradually increase the interest rates charged. The customer would actually end up paying way more than his original purchase amount.

  20. Do add-on or supplementary cards carry the same features as their primary credit cards?
  21. Add-on cards can be taken for family members of the primary card holder with extra charges anywhere between Rs 125 to Rs 1000. The credit limit of the primary card gets carried over to the new card with similar features. Also customers can get a comprehensive bill with details of both the cards.

  22. How do global cards help a frequent traveller?
  23. Global credit cards give a customer the leeway of instantly performing cashless transactions from any corner of the globe. Accepted worldwide, global cards give you the flexibility of spending in any foreign currency and later paying your bills in your local currency. A customer can also avoid the hassle of carrying huge amounts of cash or using traveller’s checks.

  24. What do credit card reward programs offer?
  25. Credit card reward programs have been introduced by lenders to popularize the various cards they offer by rewarding a customer for transacting using their credit card. The cardholder is awarded points as per his expenditure for purchasing goods and services. The accumulated points can later be redeemed by customers for certain discounts and gifts as per the bank’s guidelines.

  26. What measures are Indian banks required to take to avoid credit card fraud?
  27. The Reserve Bank of India mandates the provision of multiple levels of authentication from banks, for customers using credit cards to make an online purchases. Additionally, customers are advised by banks to use their credit card credentials only in encrypted internet connections to avoid fraudulent transactions.

  28. How does the cash advance facility help an Indian credit card holder?
  29. Customers can also use their credit cards as ATM cards and withdraw a stipulated amount of cash, preset by the bank as cash advance. Though this feature gives a customer access to instant cash, the bank charges very high interest rates for credit taken using this facility.

News about Credit Card

  • JCB International Ties Up With NCPI for Issuing RuPay Cards in India

    JCB International (JCBI) from Japan has tied up with the National Payments Council of India (NPCI) for issuing RuPay cards in the country. Similar to Mastercard and Visa, RuPay is a card-based payment network that is powered by NPCI. The partnership between JCBI and NPCI will enable the customers of JCBI to use their credit card and debit card in ATMs and swipe machines across the country. It will also enable the card issuers in the country to issue cards that will enjoy global acceptability without relying on MasterCard or Visa networks.

    In the initial stages of this agreement, around 2 lakh ATMs and 10 lakh swipe machines will be accessible to JCBI cardholders. Many companies from Japan are entering the Indian market through tie ups with businesses across different industries in the country.

    31st July 2015

  • Digital Health Card launched By SGRH

    Sir Ganga Ram Hospital (SGRH) launched a digital health card on 9 July, 2015 to assist the 'Digital India' campaign initiated by Prime Minister Narendra Modi. It is a multi-purpose card that will make it easier for patients to access health care services. The card will make health care information of the patient’s portable and accessible at all times. It resembles a credit card and is powered by a micro-chip that operates on Smart Chip Technology.

    When patients visit Sir Ganga Ram Hospital, they can insert their SGRH health card in a card reader located at the hospital and access their patient information. They will no longer need to carry prescriptions, reports and other documents related to their medical history.

    Apart from providing access to medical history, the card will also act as an e-wallet and it can be used by the patients for storing money and making payments for the services offered by the hospital.

    29th July 2015

  • India Post Launches Point of Sale (POS) Services in AP Circle

    In a one of-its-kind initiative, India Post, Andhra Pradesh Circle (covering Andhra Pradesh & Telangana) has launched POS services in this region in collaboration with State Bank of India (SBI). A massive range of over 26 postal services will be available in 108 post offices on pilot basis.

    By the end of July, 2015, the POS or Chota ATM services will be extended in over 2476 Post Offices in the AP circle. Major services such as Registered & Speed post, Postal LIC, Meeseva, Sunayasam, Passenger reservations, TTD Darshan ticket booking will be available under this scheme. The machines will also play the role of an ATM machine, where people can withdraw cash from any bank credit and debit cards. A host of other technology driven services are in the pipeline which will see the light of the day in coming months.

    27th July 2015

  • Traders can use credit or debit cards to pay fees from this week

    With an aim to improve the process of business in India, exporters and importers will now be allowed to pay fees and penalties using debit or credit cards. This move was welcomed by the Federation of Indian Export Organisations which said it will help reduce transaction costs.

    Initially, traders had to pay fees manually or through net banking. But from this week, traders will be able to use debit and credit cards and can avail this facility from all the public and private sector banks.

    Currently, India ranks 142nd in the overall ease of doing business index. The Government aims to bring India to the 50th position in the next two years by implementing many changes like improving message exchange and reducing paper work.

    22nd July 2015

  • RuPay Cards to take a stride Eastward with JCBI tie-up

    To push RuPay Cards in Asia, National Payments Council of India (NPCI) has entered into a partnership with Japan’s leading merchant acceptance network and card issuer, JCB International (JCBI). The tie-up will empower all JCBI cardholders to make transactions in ATMs and swipe credit cards across India and will eventually enable Indian issuers to introduce cards that can be globally accepted without going through the MasterCard or Visa network. Over 10 lakh terminals that accept card and 200,000 ATMs across India will be made accessible to JCBI cardholders through this agreement signed between JCBI and NPCI.

    In the past, RuPay has tied up with US-based network, Discover, to facilitate international acceptance of RuPay-Discover cards. In the same lines, RuPay-JCB international card will work as JCB card outside India and as RuPay card in India.

    14th July 2015

  • PayUMoney Thumps Competition- Emerges As Unique Online Checkout Service

    In India, credit card transactions and the latest fad of mobile wallets is set to encounter some stiff competition from PayUMoney, an online payment solution from PayU India. Recently, PayUMoney has managed to attain 100% integration in the nascent segment of online grocery purchase. This, has allowed PayUMoney to set a new standard by evolving into a complete online checkout service that effectively integrates debit/credit cards, netbanking, online wallets and other payment options. PayUMoney has claimed the virgin territory- soon, temperatures are set to run high in this uber competitive operative sphere. Stay tuned!!

    8th July 2015

  • Finance Ministry’s New Draft Proposal Aims at promoting e-transactions

    India’s e-payment system is heading in the right direction with the visionary draft proposal presented by the Finance Ministry that aims at promoting electronic transactions, with a motive to improve the cash flow in the system and curb illegal transactions, such as black money and tax avoidance.

    The draft proposal talks about various measures to facilitate online transactions such as reduction in the MDR (Merchant Discount Rate), standardising existing interchange fee on Debit/Credit Card transactions and tax benefits for merchants who accept electronic payments for goods & services. These measures are a few among several in this proposal.

    In addition, the draft also talks about strict measures for curbing fraud and increasing apparatus such PoS (Point of Sale) machines to promote e-payments.

    03rd July 2015


Reviews

   Credit Card Reviews
Customer Reviews
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  • Validated User
    (0)

    I do have a credit card with Kotak Mahindra with less limit offered in this card.I am happy with the service because they are not making any issues like other Bank.They do provide offers based on the EMI with less rates offered.They apply a one time fee of 500Rs in this card.

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    kalpataru took a Credit Card from KOTAK MAHINDRA BANK Reviewed on
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    I am holding ICICI Credit card for past 1 year. I am happy that I am not having annual fees with Platinum Chip Visa card.The customer service is horrible. I submitted a letter for address change. But they didnâ??t process that yet. The response is too bad. The rate of interest is normal when compared to other cards in terms of EMI conversion.

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    vishnu took a Credit Card from ICICI BANK Reviewed on
  • Validated User
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    I have a credit card with HDFC Bank. The services has been good from them. They have a instant loan facility, and the rate of interest is high on the card. If I delay to make my payment in a day. The charge high penalty. They have offers on electronics items. There is a annual fee for this card.

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    srinivasarao took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (0)

    I have a rewards credit card with CitiBank. The services are excellent. It is a life time free card. They also charge a less rate of interest on their instant loan facility. The reward point system is good. The points can be converted to cash. They have good offers, but I do not get to use it much.

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    srinivasarao took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (0)

    My opinion about HDFC Credit card is fine. They were basically providing very good offers they have provided all types of card. The name of the credit card is Platinum plus. I am happy with the limit offered them,. I am happy with the bonus points offered by them. It was once I had placed a request and they took about a weeks time to provide the product and they have charged rs 75.

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    sreenath took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (0)

    I have been using the card for past 3 years.The special feature is,I am getting up to 25% cash back on movie tickets on My Zone credit card. EMI options are available for big amount. They are increasing the limit on proper notification. The annual fees is reasonable, 600 rs for a year. I am getting bill statements generated properly and I can pay my bill through on line in no time. On line services are really good.

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    karunanithi took a Credit Card from AXIS BANK Reviewed on
  • Validated User
    (0)

    I expect a little more credit limit on my HDFC bank CC , its been two years now and I have not received as offer to enhance credit limit on the credit card. Excellent features on the card are available. fuel surcharge waiver, cash back on shopping with selected merchants, cash back on movie ticket purchase as well. A website called www.smartbuy.com offers special discounts on using this credit card.

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    krishan took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (0)

    I am holding a credit card of ICICI Bank. The interest rate charged by them was 1.1% per month. Service rendered by them was not good. I am facing a lot of issues on that card. I am not get any cash back offers on this card. This card is not acceptable at all places. I have surrendered the card before 6 months.

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    susanta took a Credit Card from ICICI BANK Reviewed on
  • Validated User
    (0)

    My feedback for HDFC credit card everything was fine. Name of the credit card is Platinum card. I can use this card in all outlets like big bazaar, pantaloons and hotels. I am getting a discount and cash back of 5% when I use it in flip kart. Also I am getting 5% to 10% cash back on IRCTC.

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    susanta took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (0)

    While I got a personal loan with Kotak Mahindra they have offered this credit card considering the documents which I have submitted for personal loan.They have offered a average credit limit in this card and I am not sure about the offers because its very new.I do have a Gold card with them.

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    swapnil took a Credit Card from KOTAK MAHINDRA BANK Reviewed on
  • Validated User
    (0)

    At present the credit limit is 75k and satisfied with the offered limit. Entertainment offers are good in my coral credit card as we can receive buy one get one movie offer and also vouchers where we can use it in branded shops. I am requesting ICICI bank to provide high credit limit for an existing customers and they can reduce the financial charges as well.

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    maneesh took a Credit Card from ICICI BANK Reviewed on
  • Validated User
    (0)

    I am having the credit card with the HDFC bank. The offers are nominal with them and I can say their customer service is the best. Normally I took every products from the HDFC bank because am holding the salary account with them. Redeem points are there, for each point I can get 40 paise as the cashback.

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    thiru took a Credit Card from HDFC BANK Reviewed on
Customer Reviews
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