About Credit Card



Top benefits of getting a Credit Card

  • Free Credit: Each credit card has a grace period of 40-50 days. So, if you make a purchase and repay it completely within the grace period, then no interest will be levied. However, if for once the interest rate is charged on your bill, then the grace period will no longer be applicable.
  • Credit Score: Not many people know, but the credit card is one of the best ways to improve your credit score or build a credit history for yourself.
  • Convenience: Carrying cash everywhere no more feasible nowadays, nor it's completely safe. However, you can easily carry a small plastic card with you where ever you go and make the transaction with a simple card swipe.
  • Cashback and Discount: Credit card offers to provide a host of benefits, cash back, and discount deals on store shopping, fuel, online shopping, dining, travel, etc.
  • Rewards: Each time you use a credit card, you accumulate certain reward points based on the card and the bank. You have the option to redeem these points to get gifts and vouchers.


1. Balance Transfer Card

  • The credit cards with balance transfer allows you to transfer the outstanding balance of any credit card to another card.

2. Rewards Card

  • The rewards cards are designed to suit shoppers. When you use rewards card to make purchase, you earn certain rewards points. For example, some card will give 4 reward points for each Rs. 100 spent, or 6 reward points for each Rs. 100 spent. The rewards varies with bank to bank.

3. Business Credit Card

  • These cards are designed for companies, corporates, big and small businesses and partnerships. The card is mainly held by the employer but can also be issued to employees in which employer can cap the credit limit.

4. Cashback Card

  • Everybody like to earn some money while spending some, that’s why cashback is so popular. The amount of cashback will vary for each issuer.

5. Secured Credit Cards

  • A credit card against which you are required to submit a certain amount as deposit is called the secured credit card. Under this, you are required to submit the amount equal to or slightly more than the alloted credit limit. This card is best for those who are new to credit or wants to improve his credit history.

6. Prepaid Credit Card

  • As the name suggests, this card is prefilled with some amount. Usually this type of credit card is used as forex credit card. These cards are as good as debit card since the amount you spend will from the money you deposited earlier.

7. Premium Credit Cards

  • As the name suggests its a credit card for premium customers. It offers premium services and offers such as club memberships, dinning privileges, etc. Such cards has high minimum spending limits and high income as an eligibility criteria.

Best Credit Cards

  • Banks

    List Of Popular Credit Cards

  • State Bank of India - SBI
    SimplySAVE SBI Card, IRCTC SBI Platinum Card, Yatra SBI Card, SBI Card ELITE.
  • HDFC Bank
    Regalia Card, Freedom Card, Platinum Times Card, Titanium Times Card.
  • Axis Bank
    My Zone Card.
  • Standard Chartered Bank
    Manhattan Platinum Card, Platinum Rewards Card, Super Value Titanium Card.
  • Free Credit: Each credit card has a grace period of 40-50 days. So, if you make a purchase and repay it completely within the grace period, then no interest will be levied. However, if for once the interest rate is charged on your bill, then the grace period will no longer be applicable.
  • Credit Score: Not many people know, but the credit card is one of the best ways to improve your credit score or build a credit history for yourself.
  • Convenience: Carrying cash everywhere no more feasible nowadays, nor it's completely safe. However, you can easily carry a small plastic card with you where ever you go and make the transaction with a simple card swipe.
  • Cashback and Discount: Credit card offers to provide a host of benefits, cash back, and discount deals on store shopping, fuel, online shopping, dining, travel, etc.
  • Rewards: Each time you use a credit card, you accumulate certain reward points based on the card and the bank. You have the option to redeem these points to get gifts and vouchers.
  • Credit Card

    Interest Charge per Month

    Joining Fee

  • 1. ICICI Bank
    2.49% to 3.50%
    Nil to ₹ 1,25,000
  • 2. SBI
    3.35% to 3.35%
    ₹ 499 to ₹ 4,999
  • 3. HDFC Bank
    1.99% to 3.50%
    Nil to ₹ 10,000
  • 4. Axis Bank
    2.50% to 3.40%
    Nil to ₹ 10,000
  • 5. Citibank
    3.10% to 3.25%
    ₹ 500 to ₹ 20,000
  • 6. HSBC Bank
    2.49% to 3.35%
    Nil to ₹ 3,499

Apply for Credit Card

Now apply for a any Credit Card, All you need to do is provide your details below application form.

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