<p>In 1987, when HSBC Bank introduced the ATM concept in India for the first time, people were so excited that they won’t need to visit banks, stand in long queues, and fill the form to withdraw money. People were happy withdrawing cash from their bank accounts, and spend it on their expenses. The ATM and Debit Cards’ boom in India has been growing since that invention. Nowadays, people can’t imagine going through the same old process anymore. Today, most of the bank account holders have an ATM or Debit Card.</p><p>However, unlike Debit Cards, <a href="https://www.mymoneymantra.com/credit-card.html"><strong>Credit Cards</strong></a> took so long to get the acceptance among Indian customers. Credit Cards were seen as a liability in India and people were resistant to accept that transformation in the way transaction used to happen. The Credit Card market started in 1981 in India when Visa issued the card, and Andhra Bank was the trailblazer of Credit Cards in the country back then.</p><p>The word credit did not go down well in the Indian anti-credit mindset in the initial years of the invention of Credit Cards. Not many people were willing to adopt that trend as they felt Credit Cards can increase their credit and liability which they might not be able to repay. If they default or delay the due payment, the outcome could be against them.</p><p>The ability to ‘spend now and pay later’ became the reason behind acceptance of this plastic currency. And, gradually, with the increase in income and internet boom, salaried individuals also started using Credit Cards.</p><p>Today, <strong>Credit Cards</strong> are not just merely accepted, but are being used exponentially across the country for several reasons – you can withdraw money, make utility and other bill payments, buy a recent expensive gadget and pay in instalments, transfer funds, shop, and do a lot of stuff with this single plastic card.</p><p>As per the data recently released by RBI (Reserve Bank of India), around 29.8 million Credit Cards were issued in March, 2017. The usage of Credit Cards has also hit a record high in India. There is a 9% growth in Credit Card outstanding in the initial four months of FY18. The Credit Card spending stood at 33,6196 Crores on 31 March, 2017 in India. In March 2012, the figure was 8,958 Crores, that shows a leap of 275%. The number of defaults has also been reduced in recent years.</p><h3><i><strong>So, what is the reason behind this sudden jump? Here are a few reasons:</strong></i></h3><ul><li>Banks are being more flexible in issuing Credit Cards as they can easily access the credit scores of their customers through CIBIL and other credit bureaus. These scores help them determine borrower’s financial stability and the default, if any.</li><li>There is contribution of e-commerce boom too. Now more people are shopping online using digital payment methods including Credit Cards.</li><li>The merchants are providing attractive offers on Credit Cards for their customers such as cash-backs, rewards, discounts, etc.</li><li>Credit Cards enable customers can to buy expensive items on easy instalments.</li><li>The growth is also the outcome of Indian Government’s demonetization and digitalization move.</li></ul><p><strong>Credit Cards</strong> are being used in India like never before, and with the speed, people are being digitally advanced now, e-payments (including Credit Cards) are expected to increase 10 times by 2010.</p><figure class="image"><img src="https://d1lt2ralzv8247.cloudfront.net/Credit_Card_61a1913728.png" alt="Credit Card"></figure><p>&nbsp;</p>

<p>In 1987, when HSBC Bank introduced the ATM concept in India for the first time, people were so excited that they won&#8217;t need to visit banks, stand in long queues, and fill the form to withdraw money. People were happy withdrawing cash from their bank accounts, and spend it on their expenses.</p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/credit-cards-resistance-acceptance-growth-india/' data-a2a-title='Credit Cards: The Resistance, Acceptance, and Growth in India'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-cards-resistance-acceptance-growth-india%2F&amp;linkname=Credit%20Cards%3A%20The%20Resistance%2C%20Acceptance%2C%20and%20Growth%20in%20India' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-cards-resistance-acceptance-growth-india%2F&amp;linkname=Credit%20Cards%3A%20The%20Resistance%2C%20Acceptance%2C%20and%20Growth%20in%20India' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-cards-resistance-acceptance-growth-india%2F&amp;linkname=Credit%20Cards%3A%20The%20Resistance%2C%20Acceptance%2C%20and%20Growth%20in%20India' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-cards-resistance-acceptance-growth-india%2F&amp;linkname=Credit%20Cards%3A%20The%20Resistance%2C%20Acceptance%2C%20and%20Growth%20in%20India' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-cards-resistance-acceptance-growth-india%2F&amp;linkname=Credit%20Cards%3A%20The%20Resistance%2C%20Acceptance%2C%20and%20Growth%20in%20India' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-cards-resistance-acceptance-growth-india%2F&amp;linkname=Credit%20Cards%3A%20The%20Resistance%2C%20Acceptance%2C%20and%20Growth%20in%20India' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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Credit Cards: The Resistance, Acceptance, and Growth in India -

<p>Director - MyMoneyMantra Fintech&nbsp;</p>

Aparna Sharma

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<p>Without an iota of doubt, Credit Cards have become the preferred mode of transaction for many of the salaried and business individuals. They not just provide us a cashless payment medium but also offer us the flexibility of repayment.</p><p>However, with the availability of sky-full of Credit Cards nowadays, it has become extremely difficult to find one that suits your needs in the best way. It is important to keep in mind for which purpose you need a <strong>Credit Card</strong> such as – for saving on interest repayments, enjoying the benefit of repaying in instalments, earning attractive cashback, or utilizing other benefits.</p><h2><i><strong>When you are sure about your needs, follow the tips mentioned below for deciding which Credit Card is best:</strong></i></h2><h3><strong>1. Analyze Your Pattern of Usage</strong></h3><p>Analyze your spending habits! Do you pay monthly mobile bills or utility bills? Are you a frequent shopper? Do you travel by flights often? Considering these factors majorly influence your Credit Card choice because these habits directly determine your monthly interest outgo on an unpaid bill.</p><p>If you can pay monthly dues in a disciplined way, you don’t need to worry about the interest on unpaid amount or late payment charges. In that case, look out for a card with zero annual fees and longer grace period that comes with cashback offers and reward points.</p><p>If you feel that there could be a delay in payments, enroll for a card that provides the flexibility of carrying your existing balance forward to the next month at minimum charges or a card that comes with the lowest interest on the unpaid amount.</p><p>For those who don’t use their card frequently or hold multiple cards, opt for a no-frills card with no annual membership fee and low-interest rate.</p><h3><strong>2. Pay Heed to the Credit Limit</strong></h3><p>With daily expenses reaching sky high, everyone is looking for <a href="https://www.mymoneymantra.com/credit-card.html"><strong>Credit Cards with Higher Limit</strong> </a>to help them meet any unexpected expenses. Moreover, having a low card limit can lead to max out situation which can drastically pull your credit score down impacting your future borrowing eligibility. Hence, pay utmost importance to the credit limit before finalizing a card. Also, it is advised to plan your expenses beforehand so as to restrict your unnecessary expenses within card’s limit.</p><figure class="image"><img src="https://d1lt2ralzv8247.cloudfront.net/Home_Loan_Eligibility_1072142971.jpg" alt="Best Credit Card" srcset="https://d1lt2ralzv8247.cloudfront.net/Home_Loan_Eligibility_1072142971.jpg 868w, https://www.mymoneymantra.com/blog/wp-content/uploads/2018/01/Home-Loan-Eligibility-300x35.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2018/01/Home-Loan-Eligibility-768x88.jpg 768w" sizes="100vw"></figure><h3><strong>3. Consider Interest Rate</strong></h3><p>The interest rate is the most important factor to be considered when choosing a Credit Card, especially for those who often miss paying their Credit Card bills. Credit Cards come with two types of interest rate – fixed interest rate and variable interest rate.</p><p>The interest rate may vary depending on user’s credit limit and payment history. Don’t forget to read the clause relating to the APR (annual percentage rate) in the terms and conditions document of your card.</p><p>Do you know that some banks offer lifetime free Credit Cards that come with no processing fee and annual charges? Make sure you are aware of all the factors before purchasing a Credit Card so that you can negotiate for a low-interest rate.</p><h3><strong>4. Be Aware of Penalties</strong></h3><p>To maintain a good rapport with your Credit Card issuer and get multiple reward points offers, you need to be a disciplined card user. For that, make sure you do not default on any payment. Card issuers levy heavy penalties on non-payment to prevent the card holders from repeating defaults. Also, go through their terms and conditions document before deciding on a card.</p><p><strong>Also Read:</strong>&nbsp; <a href="https://mymoneymantraloans.weebly.com/post/do-credit-cards-enjoy-an-edge-over-popular-e-wallets"><i><strong>Do Credit Cards Enjoy an Edge Over Popular E-wallets?</strong></i></a></p><h3><strong>5. Look for Attractive Offers</strong></h3><p>Does your card offer cashback or reward points for each spending? Are there any partner hotel chains, flights or retail merchants where you can get discount on your every purchase? Many Credit Cards come with these benefits nowadays. Research before choosing a card to make sure you have got the best deal as per your requirements.</p><p>With these considerations in mind, we hope you will find the best-suited Credit Card for your needs to make your life simpler.</p><figure class="image"><img src="https://d1lt2ralzv8247.cloudfront.net/Credit_Card_61a1913728.png" alt="Credit Card"></figure><p>&nbsp;</p>

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Without an iota of doubt, Credit Cards have become the preferred mode of transaction for many of the salaried and business individuals.

5 Tips to Find an Ideal Credit Card

<p>Founder &amp; Managing Director, MyMoneyMantra| BFSI Visionary &amp; Thought Leader| Erstwhile Captain,DGC</p>

Raj Khosla

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<p>Without an iota of doubt, Credit Cards have become the preferred mode of transaction for many of the salaried and business individuals. They not just provide us a cashless payment medium but also offer us the flexibility of repayment.</p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/5-tips-to-find-an-ideal-credit-card/' data-a2a-title='5 Tips to Find an Ideal Credit Card'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F5-tips-to-find-an-ideal-credit-card%2F&amp;linkname=5%20Tips%20to%20Find%20an%20Ideal%20Credit%20Card' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F5-tips-to-find-an-ideal-credit-card%2F&amp;linkname=5%20Tips%20to%20Find%20an%20Ideal%20Credit%20Card' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F5-tips-to-find-an-ideal-credit-card%2F&amp;linkname=5%20Tips%20to%20Find%20an%20Ideal%20Credit%20Card' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F5-tips-to-find-an-ideal-credit-card%2F&amp;linkname=5%20Tips%20to%20Find%20an%20Ideal%20Credit%20Card' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F5-tips-to-find-an-ideal-credit-card%2F&amp;linkname=5%20Tips%20to%20Find%20an%20Ideal%20Credit%20Card' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F5-tips-to-find-an-ideal-credit-card%2F&amp;linkname=5%20Tips%20to%20Find%20an%20Ideal%20Credit%20Card' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

<p style='text-align: justify;'>A Credit Card is a wonder product that comes loaded with multiple benefits. Besides offering you cash back, rewards and free credit period on available limit, it also offers you add-on benefits such as fuel surcharge waiver, easy EMI option and preapproval for Credit Card Loan. Thus a Credit Card is a ready reckoner for your immediate cash needs ranging for any of the personal needs such as travel, urgent bills, insurance premiums, shopping, home repairs &amp; much more.</p> <p style='text-align: justify;'>Let’s walk through this easy to apply, paperless cash option which can come to your rescue effortlessly on financially stressful days.</p> <h2 class='p1'><span class='s1'><span style='font-size: 12pt; color: #99cc00;'><b>What is Credit Card Loan?</b></span></span></h2> <p style='text-align: justify;'>A <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/loan-against-credit-card.html' target='_blank'><strong>Personal Loan against Credit Card</strong></a></span> or Credit Card Loan is only available on the basis of your past credit beahaviour. It will be extended according to the lender’s credit policy and your previous relationship with them. Thus Credit Card Loan is a preapproved personal loan offer for select customers only.</p> <p style='text-align: justify;'>You do not need additional documentation to apply for this facility. The loan is approved and disbursed swiftly. You also get choice to choose flexible tenure and easy instalment options.</p> <p style='text-align: justify;'>Different banks/ institutions offer loan facility against Credit Cards in different forms. It can be offered as a Balance Transfer to EMI plan or a separate loan account/ Overdraft over your limit or simply a loan against existing credit limit. Thus basis most important term and conditions of your Credit Card you can avail of this option.</p> <p style='text-align: justify;'>Let’s explore top Credit Card Loan options available in India.</p> <h2 class='p1'><span class='s1'><b><span style='font-size: 12pt; color: #99cc00;'>Top Credit Card Loan Options</span></b></span></h2> <h2 class='p1'><span class='s1'><b><span style='font-size: 12pt; color: #99cc00;'>1. HDFC – Insta Loan &amp; Jumbo Loan</span></b></span></h2> <p style='text-align: justify;'><span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/hdfc-insta-jumbo-loan.html' target='_blank'><strong>HDFC Insta Loan</strong></a></span> is an instant cash loan facility available to HDFC Credit Card customers. The loan is offered against your credit limit and thus blocks your Card beyond the available limit. You do not need any documentation for availing of this facility. The loan is offered at attractive rate of interest such as 1.25% per month. You can avail this loan for 12 to 48 months as per your needs. You can apply within seconds by logging on to your internet banking account.</p> <p style='text-align: justify;'>If you want to <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/loan-on-hdfc-bank-credit-card.html' target='_blank'><strong>Apply for Personal Loan Against your HDFC Credit Card</strong></a></span> beyond the existing card limit, apply for HDFC Jumbo Loan. This product is exclusively available to HDFC credit card customers with good track record. Loan can be used for 12 to 60 months. A new card is issued and you will receive a separate monthly statement. The EMIs will be debited from your Savings Account.</p>  <p><a href='https://www.mymoneymantra.com/personal-loan.html?utm_source=google&amp;utm_medium=organic' target='_blank'><img class='alignnone size-full wp-image-9756' src='https://d1lt2ralzv8247.cloudfront.net/Contactless_Emergency_Loan_with_instant_approval1_40f0b6bd2f.jpg' alt='Contactless Emergency Loan with instant approval' srcset='https://d1lt2ralzv8247.cloudfront.net/Contactless_Emergency_Loan_with_instant_approval1_40f0b6bd2f.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/04/Contactless-Emergency-Loan-with-instant-approval1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/04/Contactless-Emergency-Loan-with-instant-approval1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p>  <h2 class='p2'><span style='font-size: 12pt; color: #99cc00;'><b>2. Encash on SBI Credit Card</b></span></h2> <p style='text-align: justify;'>SBI Encash is a pre-approved Credit Card Loan facility for select <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html' target='_blank'><strong>SBI Credit Card</strong></a></span> customers. It allows the cardholders apply for money-on-demand. The applicant will get a choice to apply within the approved card limit or go beyond the existing limit as per the needs. It takes maximum of 48 hrs to transfer the amount to your bank account.</p> <p style='text-align: justify;'><em><strong>To apply for SBI Encash, you can follow any of the 3 steps:</strong></em></p> <p><b>1. Website &amp; Mobile App</b></p> <p style='text-align: justify;'>Login. Those who are eligible for SBI encash facility will see the link on the left hand navigation under benefits section. Click the link and share your SBI Card and Date of Birth to book the encash. Fill the amount you want and confirm the booking.</p> <p style='text-align: justify;'><b>2. Call Helpline</b><b></b></p> <p style='text-align: justify;'>Call 39 02 02 02 (prefix std code) / 1860 180 1290 to check if you are eligible for encash facility. You can share your request on call. An SMS will be sent to your registered mobile number to confirm the request.</p> <p class='p1'><b>3. Mobile Banking</b></p> <p style='text-align: justify;'>SMS Encash to 56767 from registered number and your request will be processed.</p> <p style='text-align: justify;'>No documentation is required as you are already an SBI Credit Card customer. You do not even need to submit any post-dated cheques to avail of this facility.</p> <p style='text-align: justify;'>You can opt for 12, 24, or 36 months of tenor. A one-time processing fee of 2% within range of Rs. 499 to Rs 3,000 will be applicable. If you choose to foreclose the loan, 3% foreclosure fee will be levied on the outstanding principal amount.</p> <h2 class='p1'><span class='s1' style='font-size: 12pt; color: #99cc00;'><b>3. ICICI Personal Loan on Credit Card</b></span></h2> <p style='text-align: justify;'>ICICI bank offers preapproved Personal Loan on Credit Card to select ICICI Cardholders. The eligibility is based on customer’s spend/ repayment behaviour &amp; pattern. The bank allows multiple loans for customers with sound track record.</p> <p style='text-align: justify;'>The amount is directly disbursed to customer’s ICICI Bank Savings Account. For non ICICI SA customers, the transfer will be routed via NEFT or Demand Draft. The transfer may take 3-7 days, basis the option chosen by the customer.</p> <p style='text-align: justify;'>It is completely hassle free to apply for <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/loan-on-icici-bank-credit-card.html' target='_blank'><strong>ICICI Loan on Credit Card</strong></a></span>. You can apply through Internet Banking or iMobile. Alternatively, you can also call the customer care and check your eligibility &amp; then make the request.</p> <p style='text-align: justify;'>You can also apply by giving a missed call on 08045936070.</p> <h2 class='p2'><span style='font-size: 12pt; color: #99cc00;'><b>4. Axis Bank Instant Loan on Credit Card</b></span></h2> <p style='text-align: justify;'>Another fast and effortless preapproved Cash Loan is Axis Bank Instant Loan against Credit Card. The application is approved for eligible customers. The approved limit for loan will depend on your relationship with the bank. No documentation is required. The loan amount is directly transferred to your Axis Bank Savings Account. You get flexibility to choose the tenor.</p> <p style='text-align: justify;'>You can use Axis Bank Instant Loan on Credit Card calculator to understand the monthly repayment burden.<span class='Apple-converted-space'>  </span>The calculator helps to know exactly about the cost of interest, processing fees and service tax each month.</p> <h2 class='p1'><span class='s1'><b><span style='font-size: 12pt; color: #99cc00;'>5. HSBC Cash on EMI</span></b></span></h2> <p style='text-align: justify;'>HSBC Banks offers cash-on-EMI on <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/credit-card/hsbc-bank.html' target='_blank'><strong>HSBC Credit Cards</strong></a></span>. The facility allows card members borrow easy cash and repay in EMIs at lower interest rate. The cash can be availed of in the form of a draft or transfer via NEFT. Being a Credit Card Loan for existing customers, no documentation is required. The borrower gets option to choose tenor of 6, 12, 18, 24 or 36 months. Flat processing fees of 2% (minimum of Rs 200) is applicable. The rate of interest will vary within a range of 10.99% to 21%p.a.</p> <p style='text-align: justify;'>You can apply online or by sending SMS ‘COE’ to 575750. The bank representative will follow back with you. The facility is open to select customers only.</p> <p style='text-align: justify;'>In all, Credit Card Loans are instant loan facility for urgent cash requirements. Adopting healthy financial habits and you will never dry out of preapproved credit options with your existing bank.</p> <p style='text-align: justify;'> </p> <p class='p1'><strong>Also Read: <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/which-is-better-for-emergency-credit-card-loan-or-personal-loan/' target='_blank'>Which Is Better for Emergency: Credit Card Loan Or Personal Loan?</a></span></strong></p> <p class='p1'> </p> <p style='text-align: justify;'>To apply online for<b> <a href='https://www.mymoneymantra.com/blog/top-10-credit-cards-in-india-for-2019/' target='_blank'>Best Credit Cards in India</a></b>,  Secured Loans and Unsecured Loans, visit <em>MyMoneyMantra</em>, the leading online lending marketplace that offers financial products from 100+ Banks and NBFCs. We have served 7 million+ happy customers since 1989.</p>  <p style='text-align: justify;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html?utm_source=google&amp;utm_medium=organic&quot;'><img class='alignnone size-full wp-image-8925' src='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg' alt='Apply for SBI Credit Card' srcset='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/credit-card-loan-a-preapproved-facility-for-urgent-cash-needs/' data-a2a-title='Credit Card Loan: A Preapproved Facility for Urgent Cash Needs'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

<p>A Credit Card is a wonder product that comes loaded with multiple benefits. Besides offering you cash back, rewards and free credit period on available limit, it also offers you add-on benefits such as fuel surcharge waiver, easy EMI option and preapproval for Credit Card Loan.</p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/credit-card-loan-a-preapproved-facility-for-urgent-cash-needs/' data-a2a-title='Credit Card Loan: A Preapproved Facility for Urgent Cash Needs'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fcredit-card-loan-a-preapproved-facility-for-urgent-cash-needs%2F&amp;linkname=Credit%20Card%20Loan%3A%20A%20Preapproved%20Facility%20for%20Urgent%20Cash%20Needs' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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Your Credit Card is loaded with preapproved Personal Loan offer without any documentation. Check details & interest rate of Credit Card Loan for top banks here.

Credit Card Loan: A Preapproved Facility for Urgent Cash Needs

<p>Finance Writer: Expert in Loans &amp; Credit Cards</p>

Priyanka Jain

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Priyanka Jain.jpg

<h1 style='text-align: justify;'><span style='color: #99cc00;'><strong><span style='font-size: 14pt;'>Pay Rent with Credit Card</span></strong></span></h1> <p style='text-align: justify;'>Year 2020 has strongly emphasised on the need for emergency fund. With a series of monthly payments such as Home Loan EMIs, Credit Card Bills, Housing Rent, Utility Bills, Tuition Fees of kids &amp; Grocery Bills a salaried individual’s monthly outflows are almost fixed. During COVID Crisis when maximum people faced stalled income, it was difficult to manage cash flows for many of us.</p> <p style='text-align: justify;'>However, those who exercised a bit of caution and used their preapproved credit limit could get enough time traction to rejig their inflows and outflows. Let’s find out how your Credit Card that lets you enjoy 50 days free credit period, can also at the same time take charge of your compulsive monthly payments of Rent payout and save more in your pocket.</p> <p style='text-align: justify;'>All you need to do is download the app, connect your card such as <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/credit-card/state-bank-of-india/simplysave-sbi.html' target='_blank'><strong>SBI Simply Save Credit Card</strong></a></span>, HDFC Millennia or any other card and set out the recurring payments to your land lord’s bank account &amp; more. The transaction will be automated every month on the chosen date, saving you from the hassle of remembering the payment date each month. You can also add multiple cards for different transactions. Thus, you can direct SIs from your credit card and protect your credit score.</p>  <p><a href='https://www.mymoneymantra.com/personal-loan.html?utm_source=google&amp;utm_medium=organic' target='_blank'><img class='alignnone size-full wp-image-9756' src='https://d1lt2ralzv8247.cloudfront.net/Contactless_Emergency_Loan_with_instant_approval1_40f0b6bd2f.jpg' alt='Contactless Emergency Loan with instant approval' srcset='https://d1lt2ralzv8247.cloudfront.net/Contactless_Emergency_Loan_with_instant_approval1_40f0b6bd2f.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/04/Contactless-Emergency-Loan-with-instant-approval1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/04/Contactless-Emergency-Loan-with-instant-approval1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p>  <h2 class='p2'><span style='font-size: 12pt; color: #99cc00;'><b>Benefits of paying rent through credit cards </b></span></h2> <p style='text-align: justify;'><em><strong>Some of the benefits of paying rent through Credit Card are:</strong></em></p> <ul style='padding-left: 20px;'> <li class='li1'>You get to enjoy 45-55 days of free credit period.</li> <li style='text-align: justify;'>You earn all valueback &amp; reward points for transactions from your card issuer.</li> <li style='text-align: justify;'>Besides additional rewards &amp; offers are also offered from the rentpay apps.</li> <li style='text-align: justify;'>Apps like Redgirraffe offer exclusive insurance for Loss of job, personal accident, critical illness, surgery etc.</li> <li style='text-align: justify;'>If you keep your wallet loaded with cash, you will enjoy additional interest earnings.</li> <li style='text-align: justify;'>Consistent payments from Credit Card will build your credit score.</li> <li style='text-align: justify;'>The good score will improve your credit worthiness and make you preapproved for new bank credit.</li> <li style='text-align: justify;'>There are no hidden charges. A nominal transaction fee will be applied. For instance, RedGirraffe charges 0.39% per transaction + GST which will be merely Rs 39/-+GST for every Rs 10,000 paid via the platform. Other popular platform CRED charges 1% &#8211; 1.5% of fee, as per Credit Card network. So cost of using CRED RentPay will be Rs 100- Rs 150 for rent payment of Rs 10,000.</li> <li style='text-align: justify;'>Just like internet banking, you get a personalized dashboard whereby you can manage the transactions.</li> <li style='text-align: justify;'>You can also get automated Rent Receipts. The digital transactions involve inbuilt TDS Payment Module, and thus ease online ITR filing and claiming tax benefits.</li> </ul> <h2 class='p2'><span style='font-size: 12pt; color: #99cc00;'><b>To Rent Payment Apps for Credit Cards</b></span></h2> <h3 class='p2'><b><span style='font-size: 12pt; color: #99cc00;'>1. Redgirraffe rentpay</span></b></h3> <p style='text-align: justify;'>Redgirraffe &#8216;RentPay&#8217;is a pioneer fintech platform in the domain. It allows tenants to pay out rentals via leading partner card issuers such as HDFC Bank, Axis Bank, ICICI Bank, IndusInd Bank, Kotak Mahindra Bank, SBI-GE Cards &amp; Yes Bank. The USP is low cost of transaction.</p> <p class='p2'><em><strong>To use Redgirraffe rent pay, follow these steps:</strong></em></p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>REGISTER. Dowload the app. Fill &amp; Submit RentPay TM form.</li> </ul> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>SCHEDULE. You can set up a standing instruction via your card/ bank account.</li> </ul> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>TRANSACT. You can direct immediate transaction or set automated payments for rent. You will be entitled to EXCLUSIVE benefits in the form of cashback, rewards etc. A nominal fee will be charged for each transaction.</li> </ul> <h3 class='p2'><b><span style='font-size: 12pt; color: #99cc00;'>2. Nobroker</span></b></h3> <p style='text-align: justify;'>NoBroker Pay facilitates payment of house rent using a range of options such as Credit Cards, Debit Cards, E-Wallets etc. You can use the facility via Nobroker App &amp; Website. Card Transactions through NoBroker Pay, lets you earn cashback and/or reward points re your card&#8217;s reward schemes.</p> <p style='text-align: justify;'>This is relatively a new platform and the service fee is low like RedGirraffe. The rent payment is marked as utility payment.</p> <p style='text-align: justify;'>To use the service on NoBroker Pay you simply need to share basic details such as landlord&#8217;s contact &amp; account details, monthly rent amount and date of payment. Then choose your preferred mode of payment and the same will be processed as instructed.</p> <h3 class='p2'><span style='font-size: 12pt; color: #99cc00;'><strong>3. Housing.com</strong></span></h3> <p style='text-align: justify;'>Housing.com is another reliable platform to pay rent through Credit Card and earn exclusive offers, cash backs, reward points, air miles &amp; more. The transaction can be made within 30 seconds. You also get access to automatic rent receipts on the platform which can be used for HRA claims. The payment is 100% safe and powered by razor pay. It will take 1-2 days to transfer the amount. All leading Credit Card Brands have tie up with housing.com for digital rent payments via cards.</p> <h3 class='p2'><span style='font-size: 12pt; color: #99cc00;'><strong>4. CRED</strong></span></h3> <p style='text-align: justify;'>CRED is one of the leading RentPay apps that allows members to directly pay housing rent with Credit Cards. The members can earn free cash, interest-free credit period, and earn reward points for the spends. Besides the Credit Card linked rewards and offers, you also earn Cred Coins which is additional cash back to you. Currently CRED offers best in class customer service at higher fee up to 1.5%. But all companies can be linked to CRED including Amex and Diners. All you need to do is register as a member, add cards &amp; set the payments.</p> <h3 class='p2'><span style='font-size: 12pt; color: #99cc00;'><strong>5. PayZapp</strong></span></h3> <p style='text-align: justify;'>Payzapp facilitates users to connect through other rent pay apps such as redgirraffe and No broker and pay the housing rent hassle free online. You will earn additional cashback offers and points for the transactions. Thus, you get to save more using your PayZapp Wallet.</p>  <p class='p1'><strong>Also Read: Credit Card Loan: <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/credit-card-loan-a-preapproved-facility-for-urgent-cash-needs/' target='_blank'>A Preapproved Facility for Urgent Cash Needs</a></span></strong></p>  <p style='text-align: justify;'>To apply online for<b> <a href='https://www.mymoneymantra.com/blog/top-10-credit-cards-in-india-for-2019/' target='_blank'>Best Credit Cards in India</a></b>,  Secured Loans and Unsecured Loans, visit <em>MyMoneyMantra</em>, the leading online lending marketplace that offers financial products from 100+ Banks and NBFCs. We have served 7 million+ happy customers since 1989.</p>  <p style='text-align: justify;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html?utm_source=google&amp;utm_medium=organic&quot;'><img class='alignnone size-full wp-image-8925' src='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg' alt='Apply for SBI Credit Card' srcset='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/benefits-paying-rent-credit-cards-know-top-options/' data-a2a-title='Benefits of Paying Rent with Credit Cards – Know Top Options'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

<p>Year 2020 has strongly emphasised on the need for emergency fund. With a series of monthly payments such as Home Loan EMIs, Credit Card Bills, Housing Rent, Utility Bills, Tuition Fees of kids &#038; Grocery Bills a salaried individual&#8217;s monthly outflows are almost fixed.</p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/benefits-paying-rent-credit-cards-know-top-options/' data-a2a-title='Benefits of Paying Rent with Credit Cards – Know Top Options'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fbenefits-paying-rent-credit-cards-know-top-options%2F&amp;linkname=Benefits%20of%20Paying%20Rent%20with%20Credit%20Cards%20%E2%80%93%20Know%20Top%20Options' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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Using credit cards to pay housing rent can let you save additional bucks while enjoying regular rewards & cashback offers run by your bank. Check top options here:

Benefits of Paying Rent with Credit Cards - Know Top Options

<p style='text-align: justify;'>Building Credit Score from start can be tricky. For, you ought to have a Credit History to build a CIBIL score. But this turns out to be a paradox as no bank or a financial institution will approve your Loan or Credit Card without an adequate score. And all those Instant Loan options that will come to your rescue will also be charged at very high interest rate.</p> <p style='text-align: justify;'>Let’s find out how should one approach the task of building a Credit Score from scratch when they do not have a Credit History, Loan Account or a Credit Card to back their application.</p> <h2 style='text-align: justify;'><strong><em><span style='font-size: 12pt; color: #333333;'>Ways to build your credit score from beginning:</span></em></strong></h2> <h2><strong><span style='font-size: 12pt; color: #99cc00;'>1. Apply for prepaid Credit Card</span></strong></h2> <p style='text-align: justify;'>A Credit Card is a wonderful tool to enjoy financial freedom of buying now &amp; paying later, without any additional cost. Each Credit Card comes with 40-50 days of free credit period along with multiple rewards and cash back offers. Besides all these benefits, a Credit Card is also a tool to build a good Credit Score.</p> <p style='text-align: justify;'>However, at the same time, it is also true that you may not be eligible for a Credit Card without a credit history. In order to begin your financial journey, it is thus advisable to apply for your first Credit Card against a bank FD. For instance, you can <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/loan-on-icici-bank-credit-card.html' target='_blank'><strong>Apply for ICICI Credit Card</strong></a></span> against a minimum of Rs 10000 deposit. The card comes loaded with all regular credit card benefits.</p> <h2 style='text-align: justify;'><span style='font-size: 12pt; color: #99cc00;'><strong>How Credit Card helps building a good score? </strong></span></h2> <p style='text-align: justify;'>Use your Credit Card for regular transactions and pay the bill before the due date each credit statement cycle. This will build a clean credit history of repayment. Your bank will report this transactional history to the bureau. The Credit Bureau will calculate your credit Score based on this record.</p>  <p><a href='https://www.mymoneymantra.com/personal-loan.html?utm_source=google&amp;utm_medium=organic' target='_blank'><img class='alignnone size-full wp-image-9756' src='https://d1lt2ralzv8247.cloudfront.net/Contactless_Emergency_Loan_with_instant_approval1_40f0b6bd2f.jpg' alt='Contactless Emergency Loan with instant approval' srcset='https://d1lt2ralzv8247.cloudfront.net/Contactless_Emergency_Loan_with_instant_approval1_40f0b6bd2f.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/04/Contactless-Emergency-Loan-with-instant-approval1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/04/Contactless-Emergency-Loan-with-instant-approval1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p>  <p style='text-align: justify;'>Please note that you are not going to use this prepaid card forever. The purpose of this card is to build your score just enough to qualify for an Unsecured Credit Card loaded with better rewards &amp; benefits. So make sure, you choose your first card with low annual fee and pay out your bills in time.</p> <h2><strong><span style='font-size: 12pt; color: #99cc00;'>2. Secured Personal Loan</span></strong></h2> <p style='text-align: justify;'>In case you are in urgent need of cash and want to qualify for a loan, but do not have adequate credit history you should consider applying for a Secured Loan. You can apply for a Secured Loan against any of your real assets such as Home, Car, Gold, Investments and deposits with your bank.</p> <p style='text-align: justify;'>With collateral, the loan application is swiftly approved even if you do not have a credit history. The bank will ask for your identity, address and income proof to approve your loan application.</p> <p style='text-align: justify;'>When you apply for a Secured Personal Loan for building a credit score, it is always recommended to <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/need-instant-cash-loan-in-1-hour-know-the-options-and-steps-to-apply/' target='_blank'><strong>Apply for a Small Cash Loan</strong></a></span> for a short duration. Apply for just enough that you can repay conveniently. It is your clean repayment history which will build your score. When you successfully repay the loan, your Credit Score will boom up and your profile will qualify for enhanced credit limit.</p> <p style='text-align: justify;'>With better Credit Score, you can qualify for more loan amount at lower interest rate. It is always recommended to repay small loans like Personal Loan or Car Loan, before applying for a fat ticket Home Loan.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>3. Purchase on EMI</strong></span></h2> <p style='text-align: justify;'>In case you neither need a loan nor a Credit Card, you can consider making a purchase on EMI using your Debit Card. You can shop online or at an outlet for any of the consumer durable goods like Mobile, TV or Laptop on EMI. Most of these FMCG products including household electronics are available at discounts and EMI plans. You can open an EMI plan for 6 to 18 months. The record of successful repayment of this purchase will build a clean history of repayment and thus a good <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/cibil-score.html' target='_blank'><strong>Credit Score</strong></a></span>.</p> <h2><strong><span style='font-size: 12pt; color: #99cc00;'>4. Adopt good financial habits</span></strong></h2> <p style='text-align: justify;'>In all, every time your repay a credit, it builds up your Credit Score and thus improves your likelihood for loan approval. Having a good score also protects you against unprecedented financial emergencies. You always have your credit limit as a backup for urgent cash needs.</p> <p style='text-align: justify;'><em><strong> However, to walk confidently on the path of building Credit Score you should adopt some good financial habits, as below:</strong></em></p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'><strong>Repay regularly:</strong> Always automate your monthly repayments. This will take off burden of keeping track of repayment dates of different cards, loans &amp; purchases. When you repay in time, it boosts your score and makes you an eligible and creditworthy customer for the bank.</li> </ul> <ul style='padding-left: 20px;'> <li style='text-align: justify;'><strong>Low Credit utilisation: </strong>Each Credit Card has a credit spend limit. Make sure you keep your average Credit Utilisation Ratio below 30%. When you keep your credit utilisation low, it is considered positive credit behaviour. You are deemed fit to be lent as you do not pose any financial constraints basis your Credit Card usage pattern. On the other hand, when you frequently consume your credit limit, a red flag is generated on your Credit Information Report. Your financial health is deemed unfit to lend further and thus when you apply for loan, the application is rejected and the credit score drops down.</li> </ul> <ul style='padding-left: 20px;'> <li style='text-align: justify;'><strong>Keep debt-to-income ratio low:</strong> Always ensure that your debt to income ratio is lower than 50% of your net take home income. This will not impact your day-to-day spending and ensure enough cash flow for basic lifestyle spends. Besides, high debt to income ratio makes you ineligible for further loan until you repay and ease your credit limit.</li> </ul> <ul style='padding-left: 20px;'> <li style='text-align: justify;'><strong>Have a good mix of secured &amp; unsecured loans: </strong>Always have a good mix of secured &amp; unsecured loans. Car Loan/ Credit Card/ Loan Against Collateral are secured loans that are offered at lower rate of interest and are easier to qualify for. However, when you <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/personal-loan.html' target='_blank'><strong>Apply for Multiple Unsecured Loans</strong></a></span> you create a red flag on your report and thus it may become difficult to qualify for another bank product.</li> </ul> <ul style='padding-left: 20px;'> <li style='text-align: justify;'><strong>Length of credit history: </strong>Always ensure a consistency of good credit history. An old Credit Card with good credit history will always stand as the best proof of good credit behaviour. Thus do not close the card, especially when you have future plans to borrow high amount.</li> </ul> <p style='text-align: justify;'>In all, a credit product like Personal Loan or Credit Card can help you build a good credit history within 6 to 12 months. However, in the long run, it is your utmost duty to adopt a disciplined financial life so as to be ever approved for credit in future.</p> <p style='text-align: justify;'> </p> <p style='text-align: justify;'><strong>Also Read: <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/5-best-lifetime-free-credit-cards-in-india/' target='_blank'>10 Best Lifetime Free Credit Cards in India 2021</a></span></strong></p> <p style='text-align: justify;'> </p> <p style='text-align: justify;'>To apply online for<b> <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/top-10-credit-cards-in-india-for-2019/' target='_blank'>Best Credit Cards in India</a></span></b>,  Secured Loans and Unsecured Loans, visit <em>MyMoneyMantra</em>, the leading online lending marketplace that offers financial products from 100+ Banks and NBFCs. We have served 7 million+ happy customers since 1989.</p>  <p style='text-align: justify;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html?utm_source=google&amp;utm_medium=organic&quot;'><img class='alignnone size-full wp-image-8925' src='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg' alt='Apply for SBI Credit Card' srcset='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/no-credit-history-here-is-how-to-build-cibil-score-from-scratch/' data-a2a-title='No Credit History? 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<p>Building Credit Score from start can be tricky. For, you ought to have a Credit History to build a CIBIL score. But this turns out to be a paradox as no bank or a financial institution will approve your Loan or Credit Card without an adequate score.</p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/no-credit-history-here-is-how-to-build-cibil-score-from-scratch/' data-a2a-title='No Credit History? Here is How to Build CIBIL Score from Scratch'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fno-credit-history-here-is-how-to-build-cibil-score-from-scratch%2F&amp;linkname=No%20Credit%20History%3F%20Here%20is%20How%20to%20Build%20CIBIL%20Score%20from%20Scratch' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fno-credit-history-here-is-how-to-build-cibil-score-from-scratch%2F&amp;linkname=No%20Credit%20History%3F%20Here%20is%20How%20to%20Build%20CIBIL%20Score%20from%20Scratch' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fno-credit-history-here-is-how-to-build-cibil-score-from-scratch%2F&amp;linkname=No%20Credit%20History%3F%20Here%20is%20How%20to%20Build%20CIBIL%20Score%20from%20Scratch' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fno-credit-history-here-is-how-to-build-cibil-score-from-scratch%2F&amp;linkname=No%20Credit%20History%3F%20Here%20is%20How%20to%20Build%20CIBIL%20Score%20from%20Scratch' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fno-credit-history-here-is-how-to-build-cibil-score-from-scratch%2F&amp;linkname=No%20Credit%20History%3F%20Here%20is%20How%20to%20Build%20CIBIL%20Score%20from%20Scratch' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Fno-credit-history-here-is-how-to-build-cibil-score-from-scratch%2F&amp;linkname=No%20Credit%20History%3F%20Here%20is%20How%20to%20Build%20CIBIL%20Score%20from%20Scratch' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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You need a credit history to build CIBIL score. But when you do not qualify either for a Card or bank loan, what are your options? Let’s find out some golden rules.

No Credit History? Here is How to Build CIBIL Score from Scratch

<p>Credit Cards have become a way of life in India over the last 2 decades, especially in the Metro cities. With fast pacing E-commerce Industry, the use of credit cards has been truly phenomenal. After all, owning a credit card empower you to lead the lifestyle you desire. </p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/top-10-credit-cards-in-india-for-2019/' data-a2a-title='Best Credit Cards in India from Top Banks 2021'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-credit-cards-in-india-for-2019%2F&amp;linkname=Best%20Credit%20Cards%20in%20India%20from%20Top%20Banks%202021' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-credit-cards-in-india-for-2019%2F&amp;linkname=Best%20Credit%20Cards%20in%20India%20from%20Top%20Banks%202021' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-credit-cards-in-india-for-2019%2F&amp;linkname=Best%20Credit%20Cards%20in%20India%20from%20Top%20Banks%202021' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-credit-cards-in-india-for-2019%2F&amp;linkname=Best%20Credit%20Cards%20in%20India%20from%20Top%20Banks%202021' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-credit-cards-in-india-for-2019%2F&amp;linkname=Best%20Credit%20Cards%20in%20India%20from%20Top%20Banks%202021' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-credit-cards-in-india-for-2019%2F&amp;linkname=Best%20Credit%20Cards%20in%20India%20from%20Top%20Banks%202021' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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List of Best Credit Cards in India for 2021 with Max ✓Reward Points, ✓Cashback ✓Fuel, ✓Travel, ✓Dining, ✓Entertainment benefits from SBI, HDFC, RBL & More.

Best Credit Cards in India from Top Banks - 2021

<p style='text-align: justify;'>Gone are the days when women were dependent on male members of their families for financial decisions. Nowadays, women are not only dominating the workplace but are taking their financial decisions independently without any permission or guidance required from the male members of the family. As there is a rapid surge in the number of working women, there is an increasing opportunity for the demographic group to spend and save as per their wishes. This has encouraged credit card issuing companies to introduce credit cards exclusively customized for women users.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>Top Credit Cards for Women in 2021</strong></span></h2> <p style='text-align: justify;'>To attract female customers, many financial institutions have introduced their versions of the credit cards for women, including <em>Lifetime Free Credit Cards</em>. These credit cards come with additional and customized features suitable to the needs of women. These exclusive Credit Cards for women promise more benefits and rewards on lifestyle spending, thereby emerging as an attractive option.</p> <p style='text-align: justify;'>If you are also contemplating applying for the <a href='https://www.mymoneymantra.com/blog/top-10-credit-cards-in-india-for-2019/' target='_blank'><span style='text-decoration: underline;'><strong>Best Credit Cards in India</strong></span></a> for women folks, here are the top options that you could choose from:</p> <h2><strong><span style='font-size: 12pt; color: #99cc00;'>1. CITI Bank Rewards Card</span><br />  </strong></h2> <p style='text-align: justify;'>To get rewards every time you shop, this is the right choice. You will get 10x reward points on transactions related to purchase of apparels and groceries, 300 bonus points on a purchase of Rs. 30,000 or more in a month. You will also be able to get up to 15% off on dining bills at participating restaurants. You can redeem the reward points with more than 700 shopping partners for more offers and deals.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>2. Silk Inspire Credit Card</strong></span></h2> <p style='text-align: justify;'>With a tagline of &#8220;Make shopping rewarding,&#8221; Kotak is providing this card for women applicants mainly for rewards from shopping. Although the eligibility allows any Indian resident from the age of 18 to 75 years can be a primary cardholder, it&#8217;s highly beneficial for women cardholders. The features include 5x reward points, exclusive offers, fuel surcharge waiver, the cover of Rs. 75,000 against fraudulent usage of the stolen card, four free PVR movie tickets on the spend of Rs. 1,25,000 every six months.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>3. HDFC Solitaire Credit Card</strong></span></h2> <p style='text-align: justify;'>HDFC Solitaire Credit Card is customized and designed for women customers. The offers come in the form of cashback, reward points, and vouchers. The offers given are for travel, dining, shopping, and groceries. The eligibility criteria are easy to satisfy as one has to be salaried or self-employed between the ages of 21-60. An interest rate of 3.49% per month is charged on any amount carried beyond the due date. Other standout offers provided include vouchers up to Rs. 1,000 on every Rs. 75,000 spent and a cashback of Rs 20 on redeeming 100 points. Other features include EVM chip technology and zero liability on a lost card, subject to the immediate report of the lost card.</p>  <p style='text-align: justify;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html?utm_source=google&amp;utm_medium=organic&quot;'><img class='alignnone size-full wp-image-8925' src='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg' alt='Apply for SBI Credit Card' srcset='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p>  <h2><span style='font-size: 12pt; color: #99cc00;'><strong>4. American Express Payback Credit Card</strong></span></h2> <p style='text-align: justify;'>Enjoy multiple paybacks from around 50 partners and two payback points on every hundred rupees spent with this Credit Card. You&#8217;d enjoy a welcome gift of 3 Flipkart vouchers of Rs. 750 to be used in two months from the start of the card membership. Flipkart vouchers of Rs. 7000 will be provided on the spending of Rs. 2.5 lakhs or more in a year. The annual fee is just Rs. 750 in the first year and Rs. 1,500 from the second year.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>5. ICICI Bank Coral Credit Card against Fixed Deposit</strong></span></h2> <p style='text-align: justify;'>If your Credit Score is below 750, then this Credit Card for women is for you. Herein, your Credit Card and Fixed Deposit will be linked. Once a lien is marked on a Fixed Deposit, 85% of the amount is issued as a card limit. The Credit Card will be placed on auto-renewal mode, and the Fixed Deposit should not be liquidated. If the payment isn&#8217;t made within sixty days, then the dues are debited from the fixed deposit. The Joining fee is Rs. 500, and no income documents are required.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>6. SBI SimplyCLICK Credit Card</strong></span></h2> <p style='text-align: justify;'>This card comes with an annual and renewal fee of only Rs. 500. You get 1 Reward Point on every Rs. 100 spent. E-voucher worth Rs. 2,000 is provided on annual online spends of Rs. 1 lakh, and vouchers are provided on annual online spends of more than Rs. 2 lakhs. You&#8217;d also enjoy a fuel surcharge waiver on every transaction between Rs. 500 to Rs. 3000. Annual fee reversal is provided for the subsequent year if the annual spend is more than Rs. 1 lakh.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>7. RBL Bank Shoprite Credit Card</strong></span></h2> <p style='text-align: justify;'>As the name suggests, this card is designed for shopaholics. Offers are available for purchasing groceries, shopping, and movie tickets. A welcome gift of 2000 reward points is provided on signing-up. The annual fee of Rs. 500 can be waived off if the annual spend is more than Rs. 1 Lakh in a year. You get to enjoy up to 10% discount on movie tickets and 5% on shopping with this Credit Card for women.</p> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>8. State Bank India FBB Styleup Credit Card</strong></span></h2> <p style='text-align: justify;'>This card is a perfect shopping partner for a woman. You will enjoy a welcome gift of Rs. 500 worth FBB gift voucher and an anniversary gift of 2000 reward points every year. 10% upfront discount is offered on apparel, accessories, footwear, etc. This <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html' target='_blank'><strong>SBI Credit Card</strong></a></span> also offers a fuel surcharge waiver of 1% for every transaction between Rs.500 and Rs.3000.</p> <h2 style='text-align: justify;'><span style='font-size: 12pt; color: #99cc00;'><strong>9. RBL Monthly Treats Credit Card</strong></span></h2> <p style='text-align: justify;'><span style='text-decoration: underline;'><strong><a href='https://www.mymoneymantra.com/credit-card/rbl-bank/monthly-treats.html' target='_blank'>RBL Bank’s Monthly Treats Credit Card</a></strong></span> is a great value card for home makers and working women alike. The card comes at a nominal monthly fee of Rs 50, which is waivable on modest spending of Rs 3000 each month. This also makes you eligible for 10% cashback on groceries. On Rs 2000 more spends the same month, you get cashback on BookMyShow, Swiggy and Utility Bill Payments each month. Furthermore, enjoy 2X rewards on online purchases and fuel surcharge waiver up to Rs 100 each month. All in all, it is an affordable cashback card with minimal fee.</p> <h2 style='text-align: justify;'><strong><span style='font-size: 12pt; color: #99cc00;'>10. ICICI Platinum Chip Credit Card</span><br />  </strong></h2> <p style='text-align: justify;'>ICICI Platnium Chip Card is a great choice for women folks looking for ample saving and a <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/5-best-lifetime-free-credit-cards-in-india/' target='_blank'><strong>Free Lifetime Credit Card</strong></a></span>. With NIL Joining and Annual fee, the card comes overtly easy on your pocket. A card member is entitled to earn 2 payback points on every Rs100 spent for all retail purchases except of fuel refilling. The points can be redeemed for attractive products &amp; offers at one of the largest multi-partner coalition loyalty programme called PAYBACK. The offers will include a large universe for lifestyle benefits i.e. vouchers for booking movie tickets, travel, lifestyle products, mobiles, appliances and more. You also get 1 payback point on every Rs 100 spent for utilities and insurance.</p> <h2> </h2> <p><strong>Also Read: <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/10-best-rewards-and-cashback-credit-cards-for-2019-in-india/' target='_blank'>Best Rewards &amp; Cashback Credit Cards in India</a></span></strong></p>  <p style='text-align: justify;'>To apply online for<strong> <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/7-best-credit-cards-in-india-for-online-shopping-2019-edition/' target='_blank'>Best Shopping Credit Cards in India</a></span></strong>,  Secured Loans and Unsecured Loans visit <em>MyMoneyMantra</em>, the leading online lending marketplace that offers financial products from 100+ Banks and NBFCs. We have served 7 million+ happy customers since 1989.</p>  <p style='text-align: justify;'><a href='https://www.mymoneymantra.com/credit-card.html?utm_source=google&amp;utm_medium=organic&quot;'><img class='alignnone size-full wp-image-8889' src='https://d1lt2ralzv8247.cloudfront.net/Lifetime_free_Credit_Card_Apply_Now_4_8e4a6e8924.jpg' alt='Lifetime Free Credit Cards' srcset='https://d1lt2ralzv8247.cloudfront.net/Lifetime_free_Credit_Card_Apply_Now_4_8e4a6e8924.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Lifetime-free-Credit-Card-Apply-Now_4-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Lifetime-free-Credit-Card-Apply-Now_4-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/top-10-women-credit-cards-in-india-for-2020/' data-a2a-title='Top 10 Women Credit Cards in India for 2021'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

<p>Gone are the days when women were dependent on male members of their families for financial decisions. Nowadays, women are not only dominating the workplace but are taking their financial decisions independently without any permission or guidance required from the male members of the family.</p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/top-10-women-credit-cards-in-india-for-2020/' data-a2a-title='Top 10 Women Credit Cards in India for 2021'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-women-credit-cards-in-india-for-2020%2F&amp;linkname=Top%2010%20Women%20Credit%20Cards%20in%20India%20for%202021' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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Whether you are a salaried, self-employed, or a homemaker, you can enjoy huge savings and cashback on your shopping, dining & lifestyle habits. Here is an exclusive list of top Credit Cards for women in 2021.

Top 10 Women Credit Cards in India for 2021

<p>A Credit Card applied solely for shopping helps to fetch some great offers and benefits while spending online as well as at offline stores. It is indeed vital to choose the right Credit Card, or else you might land into trouble of paying more than what you shop for. </p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/7-best-credit-cards-in-india-for-online-shopping-2019-edition/' data-a2a-title='7 Best Shopping Credit Cards in India 2021'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F7-best-credit-cards-in-india-for-online-shopping-2019-edition%2F&amp;linkname=7%20Best%20Shopping%20Credit%20Cards%20in%20India%202021' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F7-best-credit-cards-in-india-for-online-shopping-2019-edition%2F&amp;linkname=7%20Best%20Shopping%20Credit%20Cards%20in%20India%202021' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F7-best-credit-cards-in-india-for-online-shopping-2019-edition%2F&amp;linkname=7%20Best%20Shopping%20Credit%20Cards%20in%20India%202021' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F7-best-credit-cards-in-india-for-online-shopping-2019-edition%2F&amp;linkname=7%20Best%20Shopping%20Credit%20Cards%20in%20India%202021' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F7-best-credit-cards-in-india-for-online-shopping-2019-edition%2F&amp;linkname=7%20Best%20Shopping%20Credit%20Cards%20in%20India%202021' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2F7-best-credit-cards-in-india-for-online-shopping-2019-edition%2F&amp;linkname=7%20Best%20Shopping%20Credit%20Cards%20in%20India%202021' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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Apply for best online shopping Credit Cards in India. Check eligibility & apply instantly to tap special ✓Offers ✓Cashback, ✓Rewards Points, ✓No COST EMI & More.

Best Credit Cards for Online Shopping in India

<p style='text-align: justify;'>Whether you live in an urban setting, or a rural one, owning a vehicle has become more of a necessity today. Consequently, refilling the fuel tanks has also become a significant aspect of one’s daily expenses, particularly when the rising prices of fuel offering no relief.</p> <p style='text-align: justify;'>In such a situation, it is best to look out for the ways to save some bucks on fuel costs. While mobile wallets are trying to woo customers by offering various schemes, Credit Cards continue to be one of the most reliable saving instruments in this regard. There are numerous Credit Cards which are designed to help the customers save on fuel prices.</p> <h2 style='text-align: justify;'><span style='text-decoration: underline; font-size: 12pt;'><strong>Let us take a quick look at some of the best Fuel Credit Cards in India:</strong></span></h2> <div class='myTable'> <table class='table-bordered table'> <tbody> <tr> <td style='background-color: #8bc541; text-align: left;' colspan='1' width='621'><strong style='color: #ffffff;'>Cards Name</strong></td> <td style='text-align: center; background-color: #8bc541;' colspan='1' width='621'><strong style='color: #ffffff;'>Annual Fee</strong></td> <td style='text-align: center; background-color: #8bc541;' colspan='1' width='621'><strong style='color: #ffffff;'>Benefits</strong></td> </tr> <tr> <td><span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/credit-card/state-bank-of-india/simplysave-sbi.html' target='_blank'><strong>SimplySAVE SBI Card</strong></a></span></td> <td>Rs. 499</td> <td style='text-align: justify;'>Get freedom from paying the 1% fuel surcharge at any petrol pump</td> </tr> <tr> <td><strong>Indian Oil Citi Credit Card</strong></td> <td>Rs. 1000</td> <td style='text-align: justify;'>Earn 4 Turbo Points on fuel purchase of every Rs. 150</td> </tr> <tr> <td><strong>IndusInd Bank Platinum Aura Credit Card</strong></td> <td>Rs. 200</td> <td style='text-align: justify;'>1% Fuel Surcharge waiver on all fuel purchases</td> </tr> <tr> <td><strong>HDFC Moneyback Credit Card</strong></td> <td>Rs. 500</td> <td style='text-align: justify;'>1% Fuel Surcharge waiver on all fuel purchases</td> </tr> <tr> <td><strong>HSBC Platinum Credit Card</strong></td> <td>Zero</td> <td style='text-align: justify;'>Earn 2 Reward Points for every Rs. 150 spent</td> </tr> <tr> <td><strong>HDFC Regalia Credit Card</strong></td> <td>Rs. 2500</td> <td style='text-align: justify;'>Enjoy 1% fuel surcharge waiver at all fuel stations</td> </tr> <tr> <td><strong>Kotak Delight Platinum Credit Card</strong></td> <td>Rs. 299</td> <td style='text-align: justify;'>Enjoy cashback of 10% on transactions made for dining and movies</td> </tr> <tr> <td><strong>ICICI Bank Coral Contactless Card</strong></td> <td>Rs. 500</td> <td style='text-align: justify;'>Enjoy 1% fuel surcharge waiver on HPCL Petrol Pumps across India</td> </tr> <tr> <td><strong>RBL Platinum Delight Credit Card</strong></td> <td>Rs. 1000</td> <td style='text-align: justify;'>Enjoy fuel surcharge waiver of up to Rs. 150 on fuel purchases</td> </tr> <tr> <td><strong>BPCL SBI Credit Card</strong></td> <td>Rs. 499</td> <td style='text-align: justify;'>Up to 4.25% valueback on fuel purchase at BPCL pumps. This equals 13X Reward Points, subject maximum 1300 Reward Points per billing cycle.</td> </tr> </tbody> </table> </div> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>1. Indian Oil Citi Credit Card</strong></span></h2> <p style='text-align: justify;'>Indian Oil Citi Credit Card is a highly sought after wallet buddy. Thanks to its Turbo Points Scheme, you can earn 4 Turbo Points on fuel purchase of every Rs. 150 from an authorized Indian Oil Retail outlet.</p> <p style='text-align: justify;'>These points can later be redeemed as Re. 1 for 1 Turbo Point.</p> <p style='text-align: justify;'><em><strong>Some of the notable features of the card are:</strong></em></p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>Earn 2 Turbo Points on every Rs. 150 spent in grocery stores and supermarkets</li> <li style='text-align: justify;'>Earn 1 Turbo Point on every Rs. 150 spent on shopping, dining, and other expenses</li> <li style='text-align: justify;'>Enjoy a complete waiver on fuel surcharge (1%) on fuel purchases</li> </ul> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>2. SimplySAVE SBI Card</strong></span></h2> <p style='text-align: justify;'>As the name suggests, the <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/credit-card/state-bank-of-india/simplysave-sbi.html' target='_blank'><strong>SBI SimplySAVE Credit Card</strong></a></span> helps save a significant amount of money on online and offline spends. Some of the enticing features of this card are listed below.</p> <ul style='text-align: justify;'> <li>Enjoy 1% fuel surcharge waiver on a purchase of fuel in the range of Rs. 500 to Rs. 3,000 across India</li> <li>Enjoy reversal of annual membership fee on spends worth Rs. 1 lakh or more</li> <li>Earn 10 Reward Points for every Rs. 100 spent on Dining, Movies, Departmental Stores and Grocery Spends.</li> <li>Enjoy the facility of Add-On Cards for members of the family</li> <li>Enjoy worldwide acceptance of your Credit Card</li> </ul> <p style='text-align: justify;'><span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html' target='_blank'><strong>SBI Credit Cards</strong></a></span> are the leading card issuer in the country, and you could be rest assured of availing transparent and customer-friendly benefits.</p>  <p style='text-align: justify;'><a href='https://www.mymoneymantra.com/credit-card/sbi-bank.html?utm_source=google&amp;utm_medium=organic&quot;'><img class='alignnone size-full wp-image-8925' src='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg' alt='Apply for SBI Credit Card' srcset='https://d1lt2ralzv8247.cloudfront.net/Apply_SBI_Credit_Card_Min_salary_Rs_20000_3_1_47c5098cb0.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Apply-SBI-Credit-Card-Min.-salary-Rs.-20000_3-1-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p>  <h2 style='text-align: justify;'><span style='font-size: 12pt; color: #99cc00;'><strong>3. IndusInd Bank Platinum Aura Credit Card</strong></span></h2> <p style='text-align: justify;'>IndusInd Bank Platinum Aura Credit Card offers numerous benefits along with the much-desired savings on fuel costs. Here’s a quick look at the features of the Platinum Aura Credit Card.</p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>1% fuel surcharge waiver on fuel stations across India</li> <li style='text-align: justify;'>Up to Rs. 2,400 saving on fuel costs every year</li> <li style='text-align: justify;'>24×7 auto assist facility, along with facilities such as roadside assistance and repair, emergency fuelling, and emergency towing, amongst others.</li> <li style='text-align: justify;'>Welcome Gifts such as MakeMyTrip Gift Card and EazyDiner Gift Voucher amongst others.</li> <li style='text-align: justify;'>4 Reward Points on every Rs. 100 spent at departmental and grocery stores</li> <li style='text-align: justify;'>2 Reward Points on every Rs. 150 spent on the purchase of consumer durables or electronic items</li> <li style='text-align: justify;'>5 Reward Points on every Rs. 100 spent on Restaurant bills</li> <li style='text-align: justify;'>5 Reward Points on every Rs. 150 spent on Books</li> <li style='text-align: justify;'>5 Reward Points on every Rs. 100 spent on other payments</li> <li style='text-align: justify;'>Redeem Rewards Points at the rate of 1 Point = Re. 0.5 or ½ Airline Mile</li> </ul> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>4. HDFC Moneyback Credit Card</strong></span></h2> <p style='text-align: justify;'>Moneyback Credit Card from HDFC Bank is exceedingly popular, thanks to its numerous benefits including but not limited to the following.</p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>1% Fuel Surcharge waiver on all fuel purchases, on a minimum transaction of Rs. 400.</li> <li style='text-align: justify;'>Cashback up to Rs. 250 per statement cycle, on fuel transactions.</li> <li style='text-align: justify;'>2 Reward Points on every Rs. 150 spent using the card</li> <li style='text-align: justify;'>2X Reward Points on every Rs. 150 spent on online purchases</li> <li style='text-align: justify;'>Free accidental cover for up to Rs. 50 Lakh (on a minimum of 4 transactions per month)</li> <li style='text-align: justify;'>Gift voucher worth Rs. 500, on spends equal to or more than Rs. 50,000 in a quarter</li> </ul> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>5. HSBC Platinum Credit Card</strong></span></h2> <p style='text-align: justify;'>What makes this premium Credit Card unparalleled from all others on this list is the fact that it does not entail an annual fee or even a renewal fee for that matter.</p> <p style='text-align: justify;'>HSBC Platinum Credit Card is free for lifetime. And that’s not it. It offers a wide variety of benefits, the most attractive of which are listed below.</p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>Complete fuel surcharge waiver of up to Rs. 250, on fuel transactions ranging between Rs. 400 and Rs. 4,000</li> <li style='text-align: justify;'>2 Reward Points for every Rs. 150 spent using the card</li> <li style='text-align: justify;'>15% off on dining expenses across 1,000 restaurants in the nation</li> <li style='text-align: justify;'>Zero liability on fraudulent transactions after reported card loss/theft for up to Rs. 3 Lakh</li> <li style='text-align: justify;'>Enjoy benefits of up to Rs. 4,250 on Swiggy, and up to 50% off on the app</li> </ul> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>6. HDFC Regalia Credit Card</strong></span></h2> <p style='text-align: justify;'>Regalia is a premium Credit Card offered by HDFC Bank. It helps save a significant amount of up to Rs. 500 on fuel costs every month, while offering numerous other benefits. Below mentioned are some of the remarkable aspects of the card.</p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>Enjoy 1% fuel surcharge waiver at all fuel stations</li> <li style='text-align: justify;'>Earn 4 Reward Points on every Rs. 150 spent</li> <li style='text-align: justify;'>Enjoy complimentary Priority Pass Membership, complete with free lounge access</li> <li style='text-align: justify;'>One can save up to Rs. 500 on fuel surcharge every month</li> <li style='text-align: justify;'>Enjoy complimentary Zomato Gold membership</li> </ul> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>7. Kotak Delight Platinum Credit Card</strong></span></h2> <p style='text-align: justify;'>Another Credit Card which helps you save on fuel costs, the Kotak Delight Platinum Credit Card comes with numerous benefits including the ones listed down under.</p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>Enjoy complete waiver on fuel surcharge across all petrol pumps in the country, on transactions between Rs. 400 and Rs. 4,000. (Capped at a maximum of Rs. 4,500 in a given year)</li> <li>Enjoy full waiver on railway surcharge up to a maximum of Rs. 500</li> <li>Enjoy cashback of 10% on transactions made for dining and movies</li> <li>Make small ticket payments of up to Rs. 2,000 without swiping the card</li> <li>Enjoy the facility of Add-On Cards for members of the family</li> </ul> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>8. ICICI Bank Coral Contactless Card</strong></span></h2> <p style='text-align: justify;'>ICICI Bank Coral Contactless Card enables the user to make hassle-free small-ticket purchases without a swipe. The cardholder only needs to wave the card on the POS when making a payment of up to Rs. 2,000. Some of the additional benefits of this fuel Credit Card are listed below.</p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>Enjoy1% fuel surcharge waiver on HPCL Petrol Pumps across India, on transactions up to Rs. 4,000</li> <li style='text-align: justify;'>Enjoy 2 free tickets on BookMyShow.com every month</li> <li style='text-align: justify;'>Enjoy a complimentary airport lounge visit and railway lounge visit, once every 3 months</li> <li style='text-align: justify;'>Earn 2 Reward Points on every Rs. 100 spent using the card, except on fuel-based transactions</li> </ul> <h2><span style='font-size: 12pt; color: #99cc00;'><strong>9. RBL Platinum Delight Credit Card</strong></span></h2> <p style='text-align: justify;'>The RBL Platinum Delight Credit Card is a premium card which comes with a host of benefits, the most remarkable of which are listed below.</p> <ul style='padding-left: 20px;'> <li style='text-align: justify;'>Enjoy fuel surcharge waiver of up to Rs. 150 on fuel purchases ranging between Rs. 500 and Rs. 4,000</li> <li style='text-align: justify;'>Earn a welcome bonus of 4,000 Reward Points on using the card within 60 days from the date of issue</li> <li style='text-align: justify;'>Earn 2 Reward Points on every Rs. 100 spent using the card</li> <li style='text-align: justify;'>Earn 4 Reward Points on every Rs. 100 spent on weekends</li> <li style='text-align: justify;'>Earn additional 1,000 Reward Points, every month by doing a minimum of 5 transactions by swiping the card</li> </ul> <h2><strong><span style='font-size: 12pt; color: #99cc00;'>10. BPCL SBI Credit Card</span></strong></h2> <p style='text-align: justify;'>BPCL SBI Credit Card brings great value back and saving on fuelling up at BPCL petrol pumps across the country. There is no age or income eligibility criteria attached and thus everyone can apply for this BPCL SBI Fuel Card.</p> <p style='text-align: justify;'><strong>Card Highlights:</strong></p> <ul style='padding-left: 20px;'> <li>Annual fee is affordable at Rs 499.</li> <li>As a welcome gift you get 2,000 bonus reward points.</li> <li>Up to 4.25% valueback on fuel purchase at BPCL pumps. This equals 13X Reward Points, subject maximum 1300 Reward Points per billing cycle.</li> <li>Further 3.25% + 1% Fuel surcharge waiver on every transaction up to Rs. 4,000 at BPCL Stations.</li> <li>In all you make annual Savings of 70 litres of Fuel.</li> <li>Earn 5X Reward Points per Rs. 100 spent at Groceries, Departmental stores, Movies &amp; Dining, 1 Reward Point per Rs. 100 spent on non-fuel retail purchases.</li> </ul> <p style='text-align: justify;'>These are the best fuel Credit Cards in 2021.</p>  <p><strong>Also Read: <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/10-best-rewards-and-cashback-credit-cards-for-2019-in-india/' target='_blank'>Best Rewards &amp; Cashback Credit Cards in India</a></span></strong></p>  <p style='text-align: justify;'>To apply online for<strong> <span style='text-decoration: underline;'><a href='https://www.mymoneymantra.com/blog/top-10-credit-cards-in-india-for-2019/' target='_blank'>Best Credit Cards in India</a></span></strong>,  Secured Loans and Unsecured Loans, visit <em>MyMoneyMantra</em>, the leading online lending marketplace that offers financial products from 100+ Banks and NBFCs. We have served 7 million+ happy customers since 1989.</p>  <p style='text-align: justify;'><a href='https://www.mymoneymantra.com/credit-card.html?utm_source=google&amp;utm_medium=organic&quot;'><img class='alignnone size-full wp-image-8889' src='https://d1lt2ralzv8247.cloudfront.net/Lifetime_free_Credit_Card_Apply_Now_4_8e4a6e8924.jpg' alt='Lifetime Free Credit Cards' srcset='https://d1lt2ralzv8247.cloudfront.net/Lifetime_free_Credit_Card_Apply_Now_4_8e4a6e8924.jpg 906w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Lifetime-free-Credit-Card-Apply-Now_4-300x79.jpg 300w, https://www.mymoneymantra.com/blog/wp-content/uploads/2020/02/Lifetime-free-Credit-Card-Apply-Now_4-768x202.jpg 768w' sizes='(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px' /></a></p> <p><style type='text/css'>   .home-content table p {     padding: 0 !important;   }   @media only screen and (max-device-width: 768px) {     .home-content .table-wrap {       overflow-x: scroll;     }     .table-responsive>.table>thead>tr>td, .table-responsive>.table>tbody>tr>td, .table-responsive>.table>tfoot>tr>td {       white-space: initial;     }   } </style> <p> <script type='text/javascript'>   $(document).ready(function () {     $('.home-content .table').addClass('table-condensed');     $('.home-content .table').wrap($('</p> <div class='table-wrap'></div> <p>'));   }); </script></p> <div class='addtoany_share_save_container addtoany_content_bottom'><div class='a2a_kit a2a_kit_size_32 addtoany_list' data-a2a-url='https://www.mymoneymantra.com/blog/top-10-fuel-credit-cards-in-2019/' data-a2a-title='Top 10 Fuel Credit Cards in India 2021'><a class='a2a_button_facebook' href='https://www.addtoany.com/add_to/facebook?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-fuel-credit-cards-in-2019%2F&amp;linkname=Top%2010%20Fuel%20Credit%20Cards%20in%20India%202021' title='Facebook' rel='nofollow' target='_blank'></a><a class='a2a_button_twitter' href='https://www.addtoany.com/add_to/twitter?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-fuel-credit-cards-in-2019%2F&amp;linkname=Top%2010%20Fuel%20Credit%20Cards%20in%20India%202021' title='Twitter' rel='nofollow' target='_blank'></a><a class='a2a_button_linkedin' href='https://www.addtoany.com/add_to/linkedin?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-fuel-credit-cards-in-2019%2F&amp;linkname=Top%2010%20Fuel%20Credit%20Cards%20in%20India%202021' title='LinkedIn' rel='nofollow' target='_blank'></a><a class='a2a_button_whatsapp' href='https://www.addtoany.com/add_to/whatsapp?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-fuel-credit-cards-in-2019%2F&amp;linkname=Top%2010%20Fuel%20Credit%20Cards%20in%20India%202021' title='WhatsApp' rel='nofollow' target='_blank'></a><a class='a2a_button_wechat' href='https://www.addtoany.com/add_to/wechat?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-fuel-credit-cards-in-2019%2F&amp;linkname=Top%2010%20Fuel%20Credit%20Cards%20in%20India%202021' title='WeChat' rel='nofollow' target='_blank'></a><a class='a2a_button_pinterest' href='https://www.addtoany.com/add_to/pinterest?linkurl=https%3A%2F%2Fwww.mymoneymantra.com%2Fblog%2Ftop-10-fuel-credit-cards-in-2019%2F&amp;linkname=Top%2010%20Fuel%20Credit%20Cards%20in%20India%202021' title='Pinterest' rel='nofollow' target='_blank'></a></div></div>

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