Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Custom Free

    Get a card

  • Compare & Apply Credit Cards Online

    Credit Card - Apply for a wide range of Credit Cards on BankBazaar starting at 0 annual fees, offering many benefits such as Shopping, Rewards, Cashback, & Discounts.

    Loading your search...
  • Credits Cards helps you make transactions both online & offline and allow you to clear the balance within 50 days from the date of payment without charging any additional interest.

    Apply for a credit card by comparing the best credit cards online. You can find credit cards offered by Top banks along with their features, benefits, fees, & latest offers, everything in a single place.


    What is a Credit Card Number?

    The lengthy string of digits printed on the front or back of your plastic or metal credit card is called a credit card number. It is used to identify both the credit card issuer and the account holder and is normally 16 digits long, frequently appearing in sets of four.

    In an effort to reduce theft and fraud, credit card numbers are not generated at random but rather are coded to identify the issuer, the network, the account, and to confirm the entire number. A complicated routine must be followed for the credit card number to function.

    Top Credit Cards

    Since there are many categories of credit cards, you may need help choosing the best credit card for you. Here is a list of the top ten credit cards and is based on the different categories they fall under.

    Different Types of Credit Cards in India

    In India, a diverse range of credit cards caters to different needs and preferences. Some popular types include rewards credit cards, which offer points for purchases; travel credit cards, providing travel perks and benefits; cashback credit cards, giving back a portion of the purchase amount; premium credit cards with exclusive privileges; shopping credit cards with discounts and rewards at partner stores; fuel credit cards with cashback or discounts on fuel purchases; and business credit cards tailored for professionals and business owners.

    Choosing the right credit card that aligns with individual spending habits and financial goals is crucial to maximizing benefits and rewards.

    Features & Benefits of a Credit Cards

    Credit Cards come with a range of features and benefits. They allow you to make online and in-store secure payments, build a good credit history, and have emergency funds available. You can earn rewards like points or cashback on your purchases, enjoy travel perks such as access to airport lounges and travel insurance, and get protection for your purchases with extended warranties.

    Credit Cards also offer flexibility to pay off balances over time and provide fraud protection. Overall, they provide convenience and extra advantages for consumers.

    Welcome Gift Many banks offer a welcome gift to new credit card applicants once the card is issued through Bonus Reward Points, Vouchers, Discounts, and other Benefits.
    Rewards Program All credit cards generally have a reward program, which allows cardholders to earn reward points on every transaction they make using their cards.
    Fuel Surcharge Waiver Banks offer a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month.
    Cashback Benefits Many credit cards offer cashback benefits to the customers.
    Lifestyle Benefits Cardholders can enjoy various lifestyle benefits on their credit cards, such as Offers on Dining, Shopping, wellness, Entertainment, and other Benefits.
    Travel Benefits Travel benefits of credit cards include air miles, airport lounge access, travel insurance, airline offers, hotel offers, and other Benefits.
    Airport Lounge Access Some credit cards offer complimentary airport lounge access to cardholders. The offer varies from one bank to another.
    Add-on Cards Many banks allow their credit cardholders to apply for add-on credit cards for their immediate family members.
    Insurance Coverage Some premier cards provide a comprehensive insurance policy that provides coverage against air accidents, life, lost baggage, lost card, outstanding, and other Benefits.
    Balance Transfer Credit cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank.
    Global Acceptance Today, most credit cards that are issued in India are international credit cards and are accepted by various merchants all over the world.
    EMI Conversion The feature allows the credit card members to convert their credit card transactions into easy monthly instalments (EMIs).
    Credit Score Owning a credit card helps you build a healthy CIBIL score. By making timely payments on your card and in full, you receive a positive credit score for credit bureau, CIBIL.

    Credit Card Eligibility

    To be eligible for a credit card in India, you typically need to be at least 18 years old and have a regular source of income. The income requirement varies depending on the type of card and the issuer. Having a good credit history and a positive credit score can also improve your chances of approval. You must provide identification, address proof, income proof, and other necessary documents when applying. Meeting the eligibility criteria doesn't guarantee approval, as the credit card issuer may consider other factors.

    Eligibility Criteria Requirement
    Nationality Indian
    Age 18 years
    Employment status Salaried or Self-employed
    Income Depends from one bank to the other
    Credit Score Good credit score (700 and above)

    Documents Required to Apply for a Credit Card

    When applying for a credit card, the documents required may vary depending on the issuer. However, generally, you will likely need to submit the following documents:

    • Identity proof: This may include documents such as your Aadhaar card, PAN card, Driving licence, passport, or voter's ID to establish your identity.
    • Address proof: You will typically need to provide documents like an electricity bill, telephone bill, Aadhaar card, or other valid proof of your residential address.
    • Annual ITR (if required): If you are self-employed or have other sources of income, you may need to submit your annual Income Tax Returns (ITR) as proof of your financial standing.
    • Latest salary slips: If you are a salaried individual, submitting your recent salary slips can help demonstrate your income and repayment capacity.
    • Duly-filled application form: This form provides your personal information and serves as a formal request for a credit card.
    • Passport-size photographs: Usually, you will need to provide a couple of recent passport-size photos for identification purposes.
    • Bank statement: Providing your bank statement, typically for the Last Three to Six Months, helps verify your financial transactions and stability.
    • Form 16: For salaried individuals, a Form 16 issued by your employer is proof of your income, taxes paid, and tax deductions.

    Which is the Best Credit Card for You?

    • Your spending pattern: Your monthly spending pattern is a significant factor in choosing the right credit card.
    • The reward type: Credit cards offer, Rewards Points, Air Miles & Cashback Rewards.
    • Fees and charges: Compare the interest rate on different cards and the Fees & Charges that Apply.
    • Offers on the card: Some cards have great offers and discounts when you use them to shop on a particular website or when you use them in a specific store.
    • Welcome bonus or gift: Some banks offer welcome gifts and joining bonuses on applying for a card. Gifts could be the latest gadget or bonus points and miles.
    • Payment options: Most cards will allow you to make payments via multiple channels.

    How to Apply for a Credit Card?

    You can apply for a credit card, both online and offline.

    Step 1: Choose the Right Credit Card

    • Research and compare credit card options offered by different banks.
    • Consider your usage, requirements, and the specific benefits you desire.
    • Visit the website or branch of the bank to check your eligibility for the chosen card and the necessary documents.

    Step 2: Apply for the Credit Card

    • Gather the required documents, including identity proof, address proof, and income proof.
    • If you are an existing customer of the bank, the documentation process may be simplified.
    • Apply online through the bank's website, at an ATM, or visit a branch to submit your application.
    • Be aware of any annual fees associated with the card, which may be waived off based on your spending activity.

    Step 3: Activate and Set Up the Card

    • Once your credit card application is approved, the bank will dispatch it to your registered communication address.
    • You will need to sign for it upon delivery and provide identity proof.
    • The bank will send your PIN separately, either through courier or to your registered mobile number.
    • Use the PIN to authenticate transactions made with your credit card.
    • Visit the nearest ATM of your bank to change the PIN to a personalized one.

    The Process to Apply for a Credit Card Online

    You can Compare & Apply for a Credit Card on BankBazaar by Following 4 Simple Steps:

    Step 1: Compare credit card offers.

    Step 2: Select from the top cards offered by leading Indian banks.

    Step 3: Check your eligibility by entering a few personal details.

    Step 4: Enjoy instant approval online after filling out your application form.

    Alternately, you can also apply for a card online on the bank’s website by following these steps:

    Step 1: Go to the official website of the bank that offers the credit card you're interested in.

    Step 2: Look for the 'Credit Cards' or similar section on the website.

    Step 3: Once you're in the credit cards section, click on the 'Apply' button.

    Step 4: Fill in your personal information, such as your occupation, mobile number, monthly income, and PIN code.

    Step 5: Select the credit card you prefer and see if you meet the eligibility criteria mentioned by the bank. If you're eligible, proceed with the application. Enter your name, email address, date of birth, employment details, residential address, and PAN (Permanent Account Number) as requested.

    Step 6: You will receive a One-Time Password (OTP) on your mobile number. Enter OTP to verify your mobile number.

    Step 7: After completing all the required details, submit the application.

    You may receive a call from the bank or NBFC (Non-Banking Financial Company) to discuss the next steps. They may suggest a time and place to complete the physical documentation process.

    Remember that if you don't meet the credit card eligibility conditions or if you've applied for a credit card from the same bank in the last 6 months, your application may be rejected. Take the time to review the terms and conditions and maintain a good credit history to improve your chances of approval.

    How to Use Credit Cards Wisely?

    The following are some of the important tips on how to use a credit card:

    • Use the right card for the right purchase

      If you have more than one credit cards, ensure you are using the right one based on your needs. For instance, use a travel credit card if you spend a considerable part of your income on travel such as booking flight tickets, hotels, and more. This way you can earn reward points.

    • Pay the bills into EMIs

      One of the best ways to use credit cards is converting your purchases into EMIs and repay the bills as per your convenience.

    • Opt for a personal loan during emergencies

      Many lenders allow its credit card users to convert their unutilized credit limits into personal loans at a nominal interest. This helps credit card users to meet their urgent needs in no time.

    • Shop online using reward points

      Credit cards offer 2x reward points when you purchase online.

    • Redeem your reward points

      Banks allow its credit card users to redeem their reward points to get discounts on hotel bookings, flight tickets, etc. These reward points provide exclusive shopping vouchers, cashbacks and recharge voucher to the users.

    Tips for Using Contactless Credit Cards

    • Always keep a check on the breakdown of all your contactless payments. This way, you can keep track of all your transactions and escalate any unusual activity.
    • If you need to initiate the payment on your own, make sure to hold the credit card flat on the payment area or the terminal.
    • Try to keep your contactless credit card in your wallet at all times. Most contactless credit cards do not require you to remove it from the wallet.

    Different Types of Credit Cards Offered by BankBazaar

    Shopping Credit Cards are typically affordable with an annual fee starting from Rs. 500. The benefits offered on the cards including the welcome gifts, reward points, deals and discounts, etc., revolve round the shopping category.

    • Joining fee - Rs.499.
    • Annual fee - Rs.499 (Waived if the total spending exceed Rs. 1 lakh).
    • 1 reward point for every Rs.150 spent.

    • Joining fee - Rs.750.
    • Annual fee - Rs.750.
    • 2 AXIS EDGE Reward points on every Rs.200 spent.

    • Joining fee - Rs.1,499.
    • Annual fee - Rs.749.
    • 1 Saving Point for every Rs.250 spent.

    Lifestyle Credit Cards typically come with a high annual fee and joining fee, which of course, is worth spending for the privileges offered by the cards. Some cards also have low or no annual fee and are designed for low-income group individuals.

    • Joining fee - Rs.2,500.
    • Annual fee - Rs.2,500 (Waived if the total spends exceed Rs.3 lakh).
    • Earn 4 reward points for every Rs.150 spent.

    • Joining Fee - Rs.3,000.
    • Annual Fee - Nil.
    • Reward Points - For every Rs.150 spent, earn 1.5 Reward Point.

    • Joining fee - Rs.2,999.
    • Annual fee - Rs.2,999 (Waived if the total spends exceed Rs.3 lakh).
    • Earn 10 points for every Rs.100 spent on the card.

    • Joining fee - Rs. 500 (Waived on spends of Rs. 5,000 in the first 45 days).
    • Annual fee - Rs. 500.
    • 4 reward points for every Rs.200 spent.

    • Joining Fee - Nil.
    • Annual Fee - Nil.
    • Avail 2 reward points for every Rs. 150 spent on the card.

    • Joining Fee – Rs.999 (Waived off total retail spends of Rs.20,000 in first 30 days).
    • Annual Fee – Rs.999 (Waived on total retail spends of Rs.2,00,000 in a year)
    • On every spend of Rs.200, get 6 reward points.

    Fuel Credit Cards provide accelerated reward points on fuel spends, fuel surcharge waiver facility, reward points redemption against fuel purchases, and other value back benefits, enabling users to keep fuel costs under check.

    • Joining Fee - Rs.499.
    • Renewal Fee - Rs.499
    • On spending Rs.100, get 1 reward point.

    • 1st-year fee on the card is Rs.499.
    • A Renewal fee of Rs.499 (Waived if annual spending exceeds Rs. 1 lakh or if applied through BankBazaar.
    • Get 1 reward point for every Rs.150 spent on the card.

    Rewards Credit Cards offer accelerated rewards on most of the spending categories. Credit card issuers provide a wide variety of redemption options ranging from gifts to air miles to cashback.

    • Joining fee – Nil.
    • Annual fee – Nil.
    • With every Rs. 150 spent on the card, get 1.5 reward points.

    • Joining Fee - Rs.399 (waived off on total spends of Rs.10,000 within 30 days of card set up date)
    • Annual Fee - Rs.399 (waived off on total retail spends of Rs.1,00,000 within 12 months prior to card renewal date)
    • Reward Points - Up to 8 Reward points given on every Rs.200 spent.

    • Joining fee – Rs.999 (waived on total retail spends of Rs.50,000 or more within 90 days of card set up date)
    • Annual fee – Rs.999 (waived on total retail spends of Rs.2,50,000 or more within 12 months prior to card renewal date)
    • With every Rs. 200 spent on the card, get 8 reward points.

    Cashback Credit Cards offer cashback, cash rebates, and other money-saving benefits on most of the credit card spend.

    • Joining fee - NIL.
    • Annual fee - Rs.750.
    • 1.5% cashback on all online expenses & 1% on other expenses.

    • Annual fee of Rs.250 will be charged.
    • Joining fee of Rs. 250 will be waived off if Rs. 2,500 or more is spent within 45 days.
    • Joining fee of Rs.250 will be waived off if Rs. 2,500 or more is spent within 45 days.

    Mostly providing air travel benefits, Travel Credit Cards are best suited for frequent travellers. The features and services offered on the cards revolve around air travel.

    • Joining fee - Rs.499.
    • Annual fee - Rs.499 (waived if the total spends exceed Rs. 1 lakh).
    • 6 reward point given for every Rs.100 spent on the card

    • Joining fee - Rs.4,999
    • Annual fee - Rs.4,999.
    • For every Rs.100 spent, get 4 reward points

    • Joining fee - Rs.3,500.
    • Annual fee - Rs.3,500.

    Things to Know Before Applying for A Credit Card

    In India, you cannot transfer money directly from your card to other bank accounts. However, you can always use third-party websites and apps to do the same. You can transfer money to other bank accounts using your debit card. This can be done via net banking and mobile banking.

    The reward point system of credit cards allows you to earn reward points every time you spend on different purchases. The accumulated reward points can be redeemed for merchandise, air miles, gift vouchers, or cash. The reward points have an expiry date and the minimum points needed for redemption differs from one card to another.

    Generally, the rejection of your application for a credit card will not directly impact your CIBIL score. Your CIBIL score is largely affected by default in payments and an unstable income source. You can always reapply for a new card once you have understood the reasons why your credit card application was rejected the first time and rectify the same. This can be done by paying off all dues.

    Credit Card Statement

    A Credit card statement or (credit card bill) is generated every 30/31 days. The bill generation date depends on the date on which the card is first issued, and the same date will be followed for the subsequent months.

    Besides the bill amount, which is also called the outstanding amount on the card, the statement also provides a detailed history of all the transactions conducted during the billing period.

    It also reflects the total credit limit, available credit limit, cash limit, due date, and other related information. The statement is typically mailed to the cardholder’s registered e-mail address every month. However, if the total outstanding balance is less than a certain cut-off, say Rs. 200, no statement will be generated.

    FAQs on Credit Card

    1. What is a Credit Card?

      Credit cards are an essential financial tool enabling holders to make purchases and have the luxury of paying back later. A credit card comes with a bank-approved credit limit, and the holder must pay back the amount due on the due date, which the bank and the holder mutually decide.

    2. Can I get a credit card online?

      Yes. You can apply for a credit card online once you go to the website of your preferred bank, or you can conveniently compare options and apply for one on BankBazaar.

    3. Does my credit card number change when I renew?

      The renewed card usually has the same number as your expired card, but the new card's CVV (Card Verification Value) number is differs.

    4. How can I get a credit card for the first time?

      If you already have a credit history, you can check your eligibility, choose a card that suits your lifestyle needs and apply for it on BankBazaar. If you do not have a credit history, you can opt for a secure credit card, usually offered against fixed deposits.

    5. How do credit cards work?

      A credit card gives you a line of credit; you can use this to make balance transfers, purchases, and cash advances. You will have to pay back the amount by the date specified by the bank. When using a card, you must remember the minimum payment made every month by due date

    6. What is the meaning of a Credit Card Limit?

      The credit limit is the maximum amount one can spend on their card. Having a high limit for credit cards allows you to spend more, which will help your credit scores.

    7. Do I need to use my credit card every month?

      You do not have to use your credit card every month, but you must use it often to avoid the bank labeling it as an inactive account.

    8. What is the minimum credit score for a credit card?

      A credit score above 750 is ideal for getting a credit card.

    9. Can I get a credit card without a job?

      Even if you do not have a job and have a substantial cash inflow into your account every month, you are eligible for a credit card.

    10. Can I get a credit card in one day?

      Yes. Due to the online application system, your credit card application could be approved in one day. However, you will not get the physical credit card in one day.

    11. Do credit cards come with airport lounge benefits?

      Yes. Many credit cards come with access to domestic and international lounges at airports.

    12. Are there any benefits of having a credit card?

      Yes. Most credit cards come with a reward point system, where you earn points every time you spend money. You can redeem these points for vouchers, cashback, or air miles.

    13. How many credit cards should I have?

      The number one should own is not fixed. It depends on your financial ability and your spending behavior. However, ensure to manage all the cards correctly.

    14. Can I get a credit card with a bad credit score?

      Credit scores above 750 are generally deemed suitable for credit card approvals. Scores below 750 are usually considered poor, and approval may be subject to providing security (collateral such as fixed deposits).

    15. Which is the best and easiest way to apply for a credit card?

      The best and easiest way to get a credit card is to apply for it on a platform like BankBazaar. You can compare the features, benefits, fees, interest rates, etc., and choose a card that best suits your needs.

    16. Should I pay interest on all the purchases I make using a credit card?

      No. You don't have to pay interest on all the transactions. However, if you're not repaying the due amount within the stipulated time, the unpaid due would attract interest along with all the new transactions till the due amount is repaid in full.

    17. What does 'minimum due' mean on a credit card statement?

      The minimum amount due is the minimum amount a credit cardholder needs to pay in case they cannot pay the total outstanding. It is typically 5% of the total outstanding amount on the card.

    18. Do I need to pay a processing fee for a loan against a credit card?

      Yes. Banks do charge processing fees for loans against credit cards. However, you need to pay a very nominal processing fee.

    19. How many days will it take for a Credit Card to be renewed?

      Credit cards are automatically renewed toward the end of the expiration period. A renewed card with a new expiration date is usually a month before the existing card's expiration.

    20. How long are Credit Cards usually valid?

      Credit cards issued in India are usually valid for 3 to 5 years.

    21. Can I use my credit card in other countries?

      It depends on your card type. If your credit card is accepted globally, you can use it in other countries, as mentioned by your card issuer. However, a foreign transaction fee will be charged for all purchases abroad.

    22. If I make a late payment on my credit card, will it affect my credit score?

      It depends on various factors - the number of days late, the number of instances, and the amount due. Based on all this, your credit card issuer would take a call about whether or not to report the same to the credit agencies.

    23. Can a credit card be reopened once it is closed?

      You can always reopen a credit card account if it is closed. The credit card issuer will consider how long ago you closed the credit card account. However, remember there is no guarantee that the issuer will allow you to reopen the account.

    24. Do I have to pay the bill if I don't use my credit card?

      Almost all credit card issuers will not charge you any fee if your credit card hasn't been used for months. They will likely charge you an inactivity or dormant account fee. Depending on the credit card issuer, an inactivity fee is generally charged on deposit accounts.

    25. What are the charges for withdrawing cash using my credit card?

      Different banks will charge different fees. Typically, the charge will range from 2.5% to 3% of your transaction amount. This will be a minimum amount of Rs.250 to Rs.500.

    26. What should I do when my credit card is lost?

      When you lose your credit card, you need to notify the bank immediately, and they will block your account.

    27. Can I get a credit card without a credit score?

      Yes, you can always get a credit card without having a credit score. However, the bank will charge a higher fee. Usually, banks accept a CIBIL score of 700-750 and above to issue a card.

    28. How do you use a credit card at an ATM?

      This process is also known as a cash advance. The bank will set the maximum amount you withdraw from an ATM using your credit card. Remember that this is generally capped at up to 30% to 40% of your card limit.

    29. What are the minimum age criteria to apply for a credit card?

      You must be 18 years old to apply for a credit card.

    30. How long will the approval process take if I apply for a credit card online?

      If you apply for a credit card online, the approval process may be completed within a day.

    31. Do international credit cards work in India?

      You can use international credit cards in India if the banking service is available. You can contact the bank to learn more about using your international credit cards in India.

    32. Can I set a transaction limit on my credit card?

      Yes. You can set a transaction limit for your credit card. You must contact credit card customer care of the bank to set the limit.

    33. How do I reach credit card customer care?

      You can reach a bank's credit card customer care by calling their customer care number or writing their customer care email ID.

    34. How to disable or enable international transactions?

      You can easily disable or enable international transactions either by contacting bank customer care or via online methods - the website or the bank app.

    35. How to change contact details for a credit card?

      You will have to submit a form to change the phone number of your credit card. For some banks, you can change your number online; for a few banks, you will have to visit the bank.

    36. What is the importance of a credit card?

      A credit card allows you to purchases within the credit limit and pay later. One of the main advantages of a credit card is that the total sum of your purchases can be converted into low-cost EMIs and repaid over a specified period. You can avail of discounts, cashback, and reward points on your card spending.

    37. How are Europay, MasterCard, and Visa (EMV) Chip Cards Work?

      An EMV chip credit card works with all payment acceptance devices. These have to be certified and compliant with EMV chip-and-PIN standards. When a transaction is made, you insert the card into the terminal, and the card reader and the chip will communicate and authenticate your transaction.

    38. How does the card issuer decide my credit limit?

      The credit card issuer will decide the credit limit for your card by looking into a lot of factors, like your repayment history, credit score, and other factors.

    39. Does credit card charge apply for international purchases?

      The bank can charge between 1% and 4% for an international transaction.

    40. What is a credit card protection plan (CPP)?

      A CPP service will protect your credit card from loss, theft, fraud, etc.

    41. What are the six types of credit card networks authorised in India?

      The five major credit card networks in India are Visa, MasterCard, American Express Banking Corp (Amex), Discover, Discover, Diners Club International, and RuPay (by the National Payments Corporation of India).

    42. Can you pay your credit card bill with another credit card?

      Yes, you can pay your credit card bill with another credit card.

    43. What happens to my credit card liability after death?

      On the cardholder's demise, the payment of the remaining bills has to be made by the legal heir.

    44. Can I use my credit card at an Automated Teller Machine (ATM) without a PIN?

      Yes, you can use your credit card without a PIN. A PIN is required if you plan to use the card for cash advances at ATMs.

    45. How to add credit card details to Amazon App?

      Once you log into the app, you should click on "Edit Account Settings". Now you can add or delete any card by clicking on it.

    46. Can I apply for multiple credit cards simultaneously?

      You can apply for multiple cards simultaneously if you meet the eligibility criteria.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    This Page is BLOCKED as it is using Iframes.