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Credit Card

A credit card is a plastic card issued by banks or other financial institutions, which lets you borrow money from a pre-approved limit set by the card issuer to pay for your purchases. You can pay for your purchases and pay later on or before the due date of credit card bill payment.

Best Credit Cards in India

Here is the list of best credit cards available in India basis on their categories, annual fees, and renewal fees. You can compare them and choose what suits you the best, depending on your need and budget.

Credit Card Type Category Annual Fee Renewal Fee

SBI SimplyCLICK Credit Card

Shopping

499

499 

SBI Elite Credit Card

Lifestyle

4,999 + Taxes

4,999 + Taxes 

IRCTC SBI Platinum Credit Card

Travel

500 + Taxes 

300

SBI Prime Credit Card

Rewards

2,999 + Taxes

2,999 + Taxes 

SimplySAVE SBI Credit Card

Shopping

499

499 

Doctor's SBI Card

Lifestyle

1,499 + Taxes 

1,499 

RBL Bank Cookies Credit Card

Lifestyle

500 + GST 

500 + GST

RBL Bank Monthly Treats Credit Card

Cashback

50 Monthly Fee 

50 Monthly Fee 

RBL Bank Shoprite Card

Rewards & Shopping

500 

500 

 

Types of Credit Cards Available in India

  • Rewards Credit Cards: With these credit cards, the cardholder earns rewards points for every purchase or transaction.
  • Corporate Credit Cards: Business or corporate credit cards are designed for companies, businesses, limited companies, banks, and partnerships that need an account to keep a track of its expenses. 
  • Cashback Credit Cards: This type of credit card offers cashbacks on purchases made using the card.
  • Entertainment Credit Cards: These cards offer discounts and rewards on purchase of entertainment products.
  • Lifestyle Credit Cards: These are mostly premium credit cards that offer benefits in the lifestyle segment, such as access to golf clubs, exclusive dining privileges in partner restaurants, discounts on travel, etc.
  • Prepaid Credit Cards: These credit cards are similar to debit cards having the benefits of a credit card. You can deposit a certain amount in an account which becomes your credit limit against which you can swipe the card. These Credit cards are ideal for individuals with low Credit score.
  • Travel Credit Cards: These cards are usually offered by banks or other financial institutions in association with travel websites and airline companies. Thes cards offer special discounts and privileges for bookings on these airlines and portals, such as air miles, access to airport lounges, rewards points, travel insurance, extra luggage, etc.
  • Secured Credit Cards: As the name suggests, these cards are issued against a security amount deposited by a cardholder. Customers having a poor credit score can open a fixed deposit in favour of the bank to get these credit cards.
  • Student Credit Cards: These cards are issued to college students aged 18 years or above. They are valid for 5 years and have very low credit card interest rates and low credit limits. Many banks offer these cards as add-on cards to their parents' credit cards.

Features & Benefits of a Credit Card

  • Credit Cards are the perfect alternative to cash. There is no need for carrying large amounts of money when you have a Credit Card.
  • You get an interest-free window depending on the date of billing and the due date. The maximum interest-free period is between 45 and 55 days.
  • Credit cardholders can avail cash advance facility on an urgent basis. Every Credit Card comes with a cash advance limit (not an interest-free advance). You have to pay interest on the cash advance portion from day 1.
  • You can own a Credit Card and enjoy various benefits that come with it such as bonus points, gift vouchers, rewards programs, cashback benefits, and multiple other benefits.
  • Banks allow credit cardholders to apply for add-on cards for their family members. They can use these cards on an individual basis.
  • Banks issue unique Credit Cards that allow the cardholders to avail travel benefits like air miles, airport lounge access, airline offers, hotel offers, and travel insurance. These cards are also known as Co-branded Credit Cards.
  • Some Credit Cards come with lifestyle benefits like dining, shopping, entertainment, and wellness and so forth.
  • Many banks offer fuel surcharge waivers to their credit cardholders.
  • Proper usage of the Credit Card can improve your credit history.
  • Today, you have international Credit Cards that allow you to make payments in foreign currency. You can also withdraw cash in foreign currency when you travel abroad.
  • There are Credit Cards that come with general insurance coverage. Some cards come with lost card liability or insurance to protect the cardholders from missing cards and forged transactions.
  • Various banks offer credit cards balance transfer options to transfer the outstanding balance on existing credit cards at low interest rate.

Credit Card Eligibility

  • Minimum age of the applicant: 21 years (18 years in some cases)
  • Maximum age of the applicant: 65 years
  • Monthly income: Minimum 20,000 per month
  • Credit score: 750 or above 
  • Nationality: Indian resident or Non-resident Indian (NRI)

Documents Required to Apply for a Credit Card

Identity Proof - Any one

  • PAN Card
  • Aadhar Card
  • Passport
  • Driving Licence
  • Voter ID Card

Address Proof - Any one

  • Registered Rent Agreement or Lease Agreement
  • Aadhar card
  • Passport
  • Ration Card
  • Telephone, Gas, or Electricity bill

Proof of Income - Salaried

  • Salary Certificate
  • Recent salary slip
  • Employment letter
  • Form 16 / IT Returns

Proof of Income - Self-employed

  • Financial documents like Audited Balance Sheet and Profit & Loss Statement
  • ITR for the preceding year
  • Proof of continuity of business

Other credit card documents

  • Photocopy of PAN Card or Form 60
  • Colour photograph
 

How to Make Card Bill Payment via Net Banking & Mobile Banking?

How to pay credit card bill through net banking?

  • Register for a Net Banking facility with the bank where you have savings or current bank account. 
  • You can also link your bank credit cards to Net Banking account (using your ATM pin) after logging into your Net Banking account. 
  • You can then access or view your credit card limit, statements, billed/unbilled transactions, due dates, reward points earned and other information via the net banking facility for up to 6 months.
  • Log in to the net banking facility on the bank's website to pay your credit card dues. Go into the credit card tab and choose the "Credit Card Payment" option. 
  • Pay your bills using your bank savings account.

How to pay credit card bill through mobile banking?

  • You can also use your bank's mobile banking application for making outstanding bill payments.
  • Download and install the app on your mobile. 
  • Use your customer ID to log into the app. 
  • You can view all credit card information like a net banking portal. 
  • Go into the credit card tab and select the "Credit Card Payment" option to pay the credit card dues.
  • You can pay or transact for anything from anywhere by accessing your savings account using the mobile app.

How to Apply for Credit Card Online?

You can apply for credit card online through any of the following ways:

  • Through a bank or credit card provider's website.
  • Through online lending marketplaces like MyMoneyMantra.

To apply through MyMoneyMantra visit our website and submit the following information:

  • Indicate whether you are a salaried person or self-employed.
  • Enter your details like name, city of residence, email address and phone number.
  • If you are a salaried person, you have to furnish the name of your employer and then submit your annual income.
  • For self-employed persons, furnishing the annual income is enough.
  • Submit information about existing Credit Cards.
  • MyMoneyMantra sends you an OTP. Use it to verify your details. You will be able to access more Credit Card Offers.

Choose your Credit Card provider and we will help you complete the necessary formalities. We have the experts required to guide you through the entire process.

How to Get the Best Credit Card?

  • Check your credit score as most credit card providers require a credit score of 750 or above. Higher score means easy approval for the best credit card.
  • Identify the credit card type that suits your needs. You can choose from a wide range, such as rewards, travel, fuel, shopping, cashback, secured credit card, student credit card, etc. 
  • Narrow down the top credit cards by comparing their features, benefits, interest rates, fees, and other factors.
  • Apply for credit card that matches your needs and budget the most from the list you have narrowed down.
  • For example if you are a frequent shopper, choose a card that provides attractive rewards and discounts on your online and offline purchases. Also, check annual fee, renewal fee, and other credit card charges. Check your income if you can afford the card. If yes, go for it.

Difference Between a Credit Card and Debit Card

Debit cards enable spending money by drawing on funds you have deposited at the bank whereas credit cards allow you to borrow money from the card issuer up to a specific limit to purchase items or withdraw cash. Money is instantly deducted from your savings account if you transact with a debit card whereas in case of a credit card, you transact now and pay later on or before the due date.

Benefits of Applying for Credit Card on MyMoneyMantra

Banks compete aggressively with each other to issue Credit Cards to their customers.

As a customer, it is natural to get confused. MyMoneyMantra can help you with:

  • Collecting all the information from various banks and displaying it on a single screen. 
  • Allowing you credit card comparison based on various features of different cards and make the right decision.
  • Choose the best option among the different cards available.
  • Opt for banks that charge lower application and renewal fees.
  • A quick turnaround time.
  • Understanding various features, fees, and terms of the card.
  • Collecting your credit card documents from your doorstep and submit them to the bank.

Different Types of Credit Cards Offered by MyMoneyMantra

Name of Credit Card

First Year Fees

Rewards

SimplySAVE SBI Credit Card

499

  • 10 Reward Points per 100 spent on Dining, Movies, Departmental Stores and Grocery Spends.
  • On all other spends, earn 1 Reward Point per 100 spent.

SimplyCLICK SBI Credit Card

499

  • 10X Reward Points on online spends with partners websites.
  • 5X rewards on all other online spends.

SBI ELITE Credit Card

4,999

  • 5X Reward Points on spends for Dining, Departmental stores, and Grocery.
  • 2 Reward Points per 100 spent on all other categories except fuel.

IRCTC SBI Credit Card

500

  • Earn up to 10% value back (Reward Points) on the purchase of train tickets at irctc.co.in for AC1, AC2, AC3, AC, CC categories.

SBI Prime Credit Card

2,999

  • Earn 20 Reward Points per 100 spent on standing instruction for Utility Bills.
  • 10 Reward Points per 100 spent on Dining, Groceries, Departmental stores and Movie Tickets.
  • Get 20 Reward Points per 100 spent on birthday.

Yatra SBI Credit Card

499

  • Earn 6X Reward Points per 100 spent on grocery, dining, movies, departmental store, etc, including international spends.
  • 1 Reward Point per 100 spent on all other categories.

Air India SBI Platinum Credit Card

1,499

  • Earn up to 15X rewards per 100 spent on Air India tickets.
  • Get 15,000 Bonus Reward Points on annual spending 3 Lakhs
  • Get 10,000 Bonus Reward Points on annual spending 2 Lakhs.
  • Anniversary gift of 2,000 Reward Points every year

Air India SBI Signature Credit Card

4,999

  • Earn up to 30 Reward Points per 100 spent on Air India tickets.
  • Up to 1,00,000 Bonus Reward Points annually.
  • Get Card Anniversary gift of 5,000 Reward Points every year.

Apollo SBI Credit Card

499

  • Avail 3X Reward Points per 100 spent on Apollo services.

STYLEUP Contactless Credit Card

499

  • 10X Reward Points on all dining spends.

BPCL SBI Credit Card

499

  • 5X Reward Points per 100 spent at Groceries, purchases at Departmental stores, Movies booking & Dining.
  • 5X Reward Points per 100 spent on Utility Bills standing instructions.
  • 1 Reward Point for every 100 spent on non-fuel retail purchases.

Etihad Guest SBI Premier Credit Card

4,999

  • 6 Etihad Guest Miles per 100 spent on Etihad.com
  • 4 Etihad Guest Miles per 100 used for International Spends
  • 2 Etihad Guest Miles per 100 spent on other purchases

Etihad Guest SBI Credit Card

1,499

  • 3 Etihad Guest Miles per 100 spent on Etihad.com.
  • 2 Etihad Guest Miles per 100 spent on International card spends.
  • 1 Etihad Guest Mile per 100 on other spends.

Club Vistara SBI Credit Card

1,499 + Taxes

  • Get 1000 Bonus CV points on spending 50,000 within 90 days of the issuance of the card.
  • Earn 3 CV points on spending per 200 spent on all categories, including Fuel.

Club Vistara SBI PRIME Credit Card

2,999 + Taxes

  • Get 3000 Bonus CV points on spending 75,000 within 90 days of the issuance of the card.
  • Earn 2 CV points on spending per 100 spent on all categories, including fuel.

IRCTC SBI Premier Credit Card

1,499 + Taxes

  • Get 5 reward points per 100 on booking air tickets through www.air.irctc.co.in.
  • Get 5 reward points per 100 on E-catering purchases via www.ecatering.irctc.co.in.
  • Get 3 reward points per 125 on dining &uUtility spends.
  • Earn 1 reward point on spending per 125 on other retail purchases (non fuel), including railway ticket purchases on www.irctc.co.in.

RBL Bank Cookies Credit Card

500 + GST

  • 2 reward points on spending every 100 online.
  • 1 reward point on spending every 100 offline, except on fuel.

RBL Bank Monthly Treats Credit Card

Monthly membership fee of 50 + GST 

  • 2X reward points on all online purchases.
  • 2 reward points for spending every 100 on all online purchases.
  • 1 reward point for spending every 100 on all offline purchases except fuel.

RBL Bank Shoprite Credit Card

500 

  • Get 1 Reward Point on spending each 125 on retail purchases (non-fuel only), including railway ticket purchase from www.irctc.co.in & IRCTC Mobile App (Android only).

Emirates Credit Card

3,000 + GST

  • Get 6 Skyward Miles on every 150 transaction on Emirates.
  • Get 3 Skyward Miles on spending per 150 on all other spends.

Manhattan Platinum Credit Card

999 + GST

  • 3 Reward Points on spending each 150 on all other spends.

Super Value Titanium Credit Card

750 + GST

  • Get 1 Reward Point on spending every 150 on all categories (except fuel, utility bills, and telecom bills).

Platinum Rewards Credit Card

200 + GST

  • Get 5 Reward Points on spending each 150 on hotels, restaurants, & fuel. No monthly cap on the reward points earned.
  • Get 1 Reward Point on spending each 150 on all other categories.

Ultimate Credit Card

5,000 + GST

5 Reward Points on spend of every 150.

Digi Smart Credit Card

Nil

  • 20% (maximum 700 per month) off on shopping from Myntra.
  • 15% (maximum 600 per month) cashback on OLA rides.
  • 10% (maximum 750 per month) off on Zomato orders.
  • 10% (maximum 1,000 per month)off on orders from Grofers.
 

Credit Card Customer Care Number

For any query regarding any credit card you can call on the customer care number of the concerned credit card provider. Credit card customer care numbers are given on credit card pages of our website.

FAQs

✅ What is an Add on Credit Card?

The Add-On Credit Card is an additional credit card issued to the immediate family members of the principal applicant. The Add-On cards do not have any separate limits. Family members can use this card independently but within the limits of the primary Credit Card.

✅ How to apply for a credit card?

You can apply for a credit card through the following ways:

  • Website of the credit card provider
  • Mobile application of the credit card provider
  • MyMoneyMantra
  • Calling on credit card customer care number of the card provider
  • Visiting the nearest office of the credit card provider

✅ What is a credit card limit?

Every Credit Card has a revolving credit limit beyond which you cannot make any transaction. Banks approve these limits based on your eligibility. You cannot use the card for amounts exceeding your limit. The banks review the limits at the time of renewal. Based on the usage and repayment history, banks can enhance or reduce the limit.

✅ What is the credit card interest rate?

Every card has an interest-free period depending on the billing cycle and the due date for repayment. Usually, it is around 20 days to a maximum of 52 or 55 days. If you make the full payment on or before the due date, there is no interest. However, if you make a part-payment, the balance amount will attract interest. These credit card interest rates vary from bank to bank. Usually, it is in the range of 3% to 3.5% per month.

✅ Can I get a credit card online?

Yes, you can get online credit card by applying through MyMoneyMantra, credit card providers's website, bank's netbanking portal, or mobile application.

✅ What is the minimum credit score for a credit card?

You need a credit score of 750 or above to be eligible for most credit cards.

✅ What is the minimum income required to get a credit card?

Minimum income required to apply for a credit card is 20,000 per month. However, it may vary from lender to lender.

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

You can apply with your bank or you can also call us to know your credit card eligibility.

✅ Can I get a credit card with a bad credit score?

When you have a low credit score, usually, you don't get approval for a regular credit card. However, there are some ways to still obtain a credit credit, such as applying for a secured credit card or add-on credit card.

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

It is an essential concept. Credit Cards allow you an interest-free period ranging from 20 days to around 52 to 55 days depending on the billing cycle. Every month the bank sends the bill for the credit card. You should pay the entire balance to take advantage of the interest-free period in the subsequent billing cycle. However, you can opt to make a part-payment of the bill. Every bill has a minimum credit card payment due (usually 5% of the outstanding amount) amount. You can pay an amount equal to or more than the minimum payment due to enjoy the Credit Card limits. The difference between the bill amount and the payment you make is subject to interest in the range of 3% to 3.5% per month.

✅ What is the difference between a debit card and credit card?

Debit cards enable spending money by drawing on funds you have deposited at the bank whereas credit cards allow you to borrow money from the card issuer up to a specific limit to purchase items or withdraw cash. Money is instantly deducted from your savings account if you transact with a debit card whereas in case of a credit card, you transact now and pay later on or before the due date.

✅ What are the common types of credit cards?

Some common types of credit cards are:

  • Secured credit card
  • Prepaid credit card
  • Add-on credit card
  • Entertainment credit card
  • Lifestyle credit card
  • Rewards credit card
  • Corporate credit card
  • Cashback credit card
  • Travel credit card
  • Student credit card
  • Lifetime free credit card

Can I increase my credit limit on my credit card?

The banks review the limits at the time of renewal. Based on the usage and repayment history, banks can enhance or reduce the limit.

✅ Can I use my credit card in foreign countries?

Yes. Visa and Mastercard are widely accepted worldwide. However, it is better to ask your credit card provider about global acceptance of the card and bring a widely accepted credit card.

✅ What is the CVV number on a credit card?

Every card has a CVV (Card Verification Value) number written on the reverse side of the card. It is usually a 3-digit number. American Express cards have a 4-digit CVV number embossed on the face of the card. The CVV number is an anti-fraud security feature.

✅ How can I redeem my reward points?

Every transaction on your Credit Card can earn reward points that can be redeemed for fuel, shopping, air tickets, and so on, depending on the credit card features.Reward points can be redeemed through your net banking account, during payment option on various partner online shopping portals, while making credit card payment at the partner merchant's store, mobile app or website of the card issuer, or by calling the customer care number of the card issuer. Every credit card provider has their own redemption options. Look for the redemption terms of the card on the issuer's website or your credit card documents.   

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

Almost all Credit Cards have a cash withdrawal limit. You can withdraw instant cash up to the limit from any ATM. Banks charge a cash withdrawal fee on every withdrawal, which can range anywhere between 2.5% to 3.5% of the amount withdrawn. This cash advance facility attracts interest from day 1.

✅ What is the value of reward points?

The value of 1 reward point can be 10 paise to Re 1, depending on the terms of the credit card issuer.

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