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Best Credit Cards in India 2024

First Millenia Card

Annual fee      :

Life Time Free

Joining Fee    :

Life Time Free

SimplyCLICK SBI Credit Card

Annual fee      :

499

Joining Fee    :

499

First Select Card

Annual fee      :

Life Time Free

Joining Fee    :

Life Time Free

IndianOil Platinum Card

Annual fee      :

If spend more than 30k , free else 1000 fee

Joining Fee    :

Nil

Smart card

Annual fee      :

Nil

Joining Fee    :

Nil

YES Prosperity Rewards Plus

Annual fee      :

INR 399 PA

Joining Fee    :

INR 399 PA

Bank wise Credit Cards

Types of cards

Credit Card online Apply for Best Credit Cards From HDFC Bank ✓ ICICI Bank ✓ Citibank ✓ SBI Bank ✓ AXIS Bank ✓ HSBC Bank ✓ INDUSIND ✓ KOTAK ✓ RBL ✓ SCB ✓ YES Bank ✓ Card Types Shopping Cards, Fuel Cards, Travel Cards, Cashback Cards, Lifestyle Cards ✓ Get Instant Online Approval‎ at creditmantri com. Choose from over 57+ credit cards suitable for your credit score. Get high approval chances. No/minimum annual and joining fees. Rewards on groceries, dining, fuel, movies. Check free eligibility in 1 minute.

What Is A Credit Card?

A credit card is a financial instrument that has a pre-loaded balance that the cardholder can use to make transactions and pay for them later. The card issuer will let you pay off the balance fully, interest-free, for up to 50 days from the date of payment. To avoid any fines, the cardholder can pay the minimum amount due (which can be anywhere between 5% to 10% on the total amount owed). The balance, however, will be carried forward to the next month, and interest set by the credit card company will be levied.

How does A Credit Cards work?

A credit card gives you more time to pay for your purchases. Every time you purchase on your credit card, you are in effect borrowing that money from the credit card issuer until you pay it back at the end of the month. Here are some things to know before you get your own credit card

  1. Credit card companies give credit cards to individuals who have a consistent income
  2. If you have a good credit score, you can get a credit card easily
  3. You can obtain a credit card against your fixed deposit.
  4. As a credit card holder, you will be allocated a credit limit, which will be 3 to 5 times of your net monthly salary. This will vary across different banks.
  5. Although a credit card is provided by popular banks, the payment gateway is facilitated by Visa, MasterCard and RuPay. However, these payment facilitators cannot set other terms and conditions on the card. Features such as minimum due amount, interest rate, reward points, etc., are fixed by credit card issuers.
Facts Before Applying a Credit Card

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How to Apply For A Credit Card?

After doing the eligibility check, you can apply for the card through the following ways.

Online Apply For credit card Through The CreditMantri Website:

You can compare multiple cards from various banks on CreditMantri and finally choose the best credit card suited for your needs. To apply, simply follow the steps below:

1) Visit CreditMantri to check the various types of credit cards available.

2) After choosing the card you want to apply for, go to the application page.

3) Enter some basic details and click submit. An OTP will be dispatched to your mobile.

4) Enter this OTP for verification

5) Click on ‘view eligible offers and apply’

Apply for the credit card online through the official website of the bank:

You can go to the official website of the bank and do an online credit card apply

  • Take a look at the list of credit cards offered by the lender and compare their features
  • Select the credit card that is best suited for your spending habits
  • Fill in your personal and contact details in the application form
  • Upload the required documents if necessary
  • Submit the form
  • After you have submitted the form, an executive from the bank will contact you for verification purposes and push the application for approval.

SMS: Most banks let customers contact them through SMS facility. You can send an SMS to the respective bank as per the syntax provided to get in touch with you with the application process.

Customer Care:

All the banks have toll-free numbers to contact the customer support team to enquire about any queries. You can call them from your mobile and get help to proceed with the application process.

Mobile Banking:

Each bank has a mobile app that provides all updates and services. You can download the app to apply for a credit card.

Visiting the Branch: If you are unfamiliar with the above methods, you may walk into any nearby branch of the bank and apply for the credit card. You may have to carry documents that support your income and personal details.

Credit Card Help Center

There are so many credit cards available in the country today. So, it is often excellent customer service reputation that can be a differentiating factor between competing banks. All banks have an efficient procedure for customer care in place. For any questions related to credit cards, customers can reach out to banks through the customer care numbers, email id, and fax.

Contact banks for resolution of credit card queries on Credit Card customer Care

The services provided by the credit card customer care department are as follows:

  • Toll-free phone numbers for general queries, debit and credit card blocking, and hotlisting
  • Live chat online through mobile banking and net banking
  • Customer care through email
  • Support through SMS
  • Web support via forms on the bank’s net banking platform
  • Call centers for every city
  • Grievance redressal
  • For general queries and concerns, you have toll-free telephone numbers.
  • Customer support officers of bank branches

Difference Between a Credit Card and Debit Card

There are two types of cards that are popular among the people. They are credit and debit cards. While a credit card allows you to spend pre-approved money and pay later, a debit card allows you to spend your own money available in your savings or current account. Following are some of the common differences between a credit card and a debit card.

Credit CardDebit Card

A credit card is a line of credit.

Debit card is directly linked with your savings or current account.

You have a credit limit only up to which you are allowed to spend on purchases.

It allows you to spend as per the amount available on your savings or current account.

Cash withdrawal from an ATM is allowed subject to a certain percentage of the credit limit. Moreover, cash withdrawal will incur a fee of a certain percentage of the amount withdrawn.

Free cash withdrawal from ATMs is allowed up to a certain limit. Beyond that limit is chargeable as per bank’s internal policies.

You get a monthly bill statement.

There is no monthly bill, but you can get a statement of your past transactions.

Interest rates are applicable if you fail to pay the credit card bill in full.

There is no interest charged.

Fees include joining fees, annual fees, late payment fees, bounced cheque fees, processing fees on balance transfer etc.

Fees on the card varies from bank to bank. There may be annual fee and PIN regeneration fee if applicable.

There are reward points, cashback, discounts and offers on various purchases.

There are no such options. However, few banks have now introduced reward points on certain debit cards.

Loans can be availed against the credit limit.

Overdraft facility is available with certain banks.

Latest & Update Credit Card News

These Banks to Implement New Rules For Its Credit Cards15 Feb 2024

Yes Bank, ICICI Bank, and Axis Bank are set to implement the following new rules for their credit cards. Yes Bank has changed the rules for its domestic lounge access. The bank has announced that its card holders have to spend at least Rs. 10,000 in ...

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Yes Bank, ICICI Bank, and Axis Bank are set to implement the following new rules for their credit cards. Yes Bank has changed the rules for its domestic lounge access. The bank has announced that its card holders have to spend at least Rs. 10,000 in the present quarter to obtain lounge access in the following quarter. Special benefits are given under the lounge access facility which is inclusive of WiFi, food, airport lounge access for bathing and resting. Changes in these rules will be effective from April 1, 2024. individuals having the card will have to spend as required from December 21, 2023 to March 20, 2024 to make use of the lounge access benefits. This change in rule will impact the Yes Marquee, Yes Select (Previously Yes Prosperity Edge), Yes Reserve (Earlier known as Yes First Exclusive), Yes First Preferred, and Yes Bank Elite (Previously Yes Premia), BYOC, and Yes Wellness Plus credit cards. ICICI Bank is also set to make changes to its airport lounge access eligibility from April 1, 2024. Customers holding some cards will now have to spend a minimum of Rs 35,000 in the previous calendar quarter to avail airport lounge access for the next quarter. Meanwhile, Axis Bank has announced that the gold status awarded for holding the Axis Vistara Infinite credit card for the first year will no longer start automatically from the second year. Instead, cardmembers must meet specific criteria to retain their gold status for the second year which includes maintaining 15,000 Club Vistara points and completing four Vistara Revenue flights. This change will be effective from March 1st 2024.

Mastercard Launches CVC-Less Card Payments in India9 Aug 2023

Mastercard has launched CVC-less payments in India in which credit and debit card holders no longer have to enter the 3-digit code from the back of the card for purchases made online. Now, the CVC will be collected only when the card is tokenized. Fr...

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Mastercard has launched CVC-less payments in India in which credit and debit card holders no longer have to enter the 3-digit code from the back of the card for purchases made online. Now, the CVC will be collected only when the card is tokenized. From the second transaction, cardholders will have to choose their tokenized card on the checkout page, authenticate using a one-time password, and complete the transaction. Companies like Zomato and Cashfree Payments have already started using CVC-less payments. These CVC-less online transactions will benefit merchants by reducing checkout abandonment, improving authorization rates, and enhancing customer payment. CVC-less payments on tokenised cards make online domestic card payments hassle-free and secure.

Federal Bank Ties Up With Scapia Technology To Launch Co-branded Credit Card 29 Jun 2023

Federal Bank has partnered with Fintech company Scapia Technology Private Limited to introduce the Federal Scapia Co-branded credit card. It is a travel-centric card curated for passionate travellers. The highlight feature of this card is its lifetim...

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Federal Bank has partnered with Fintech company Scapia Technology Private Limited to introduce the Federal Scapia Co-branded credit card. It is a travel-centric card curated for passionate travellers. The highlight feature of this card is its lifetime free membership. It offers its customers an easy way to transact across more than 150 countries and a wide network of over one million merchants. It comes with contactless technology and the 'Tap and Pay' feature using which you can make hassle-free payments by just tapping the card on the point-of-sale machine (POS). Special or standout features of the card include a reward rate of 4% (20% Scapia coins) on travel bookings done through the Scapia app, a reward rate of 2% (10% Scapia coins) on all other online and offline transactions, no forex mark up fee on international transactions with the card, and unlimited complimentary access to domestic airport lounges throughout the year on minimum spends of Rs. 5,000 monthly. Scapia coins come with a redemption rate of 1 rupee for 5 scapia coins. The card can be onboarded digitally within minutes from the Scapia app. The virtual card can be activated instantly, and the physical card will be promptly dispatched and delivered to your preferred address within simply 2 to 5 days.

RBI To Issue RuPay Forex Cards Soon: Know The Benefits While Travelling Overseas12 Jun 2023

The Reserve Bank of India (RBI) will soon allow banks to issue RuPay Prepaid Forex cards for use at point-of-sale (PoS) machines, online merchants abroad, and ATMs. This decision marks an important step in expanding the reach and usage of RuPay cards...

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The Reserve Bank of India (RBI) will soon allow banks to issue RuPay Prepaid Forex cards for use at point-of-sale (PoS) machines, online merchants abroad, and ATMs. This decision marks an important step in expanding the reach and usage of RuPay cards worldwide. So, how will the globalization of the RuPay credit card help while travelling abroad? Preloading a Forex card locks in exchange rates and is one of the safest options to use abroad. They guard you against rate volatility and fluctuations. Moreover, forex cards do not incur extra foreign exchange markup fees if you use the card for the same currency with which you have loaded it. These features provide additional payment options for Indian travellers and facilitate financial inclusivity. However, card users also have to pay 20 percent TCS (tax collected at source) if they spend more than Rs. 7 lakhs at 20 percent from July 1. Further, these cards charge you for ATM withdrawals and balance enquiries, and have a daily withdrawal limit. So, you have to exercise caution while using a prepaid card abroad.

No TCS on LRS Transactions Upto Rs. 7 Lakhs Via International Debit, Credit Cards From July 1, 202326 May 2023

The government has relaxed the TCS rules on international debit and credit card transactions up to Rs. 7 lakhs. Starting from July 1, 2023, individuals doing international transactions up to Rs. 7 lakhs will be free from the 20 percent TCS levy. This...

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The government has relaxed the TCS rules on international debit and credit card transactions up to Rs. 7 lakhs. Starting from July 1, 2023, individuals doing international transactions up to Rs. 7 lakhs will be free from the 20 percent TCS levy. This exemption will also exclude these transactions from the liberalized remittance scheme (LRS) limits of $250,000 per annum. This exemption aims to avoid the imposition of taxes on small transactions and bring relief to individuals who frequently have to make transactions abroad. But, this exclusion is applicable only to transactions made by individuals and does not include transactions charged to institutional or corporate credit cards. Currently, overseas medical treatment and education expenses up to Rs. 7 lakhs a year are excluded from TCS. A 5 per cent tax is levied on expenses more than Rs. 7 lakhs. The rate of TCS is 0.5 per cent for those who availed of education loans. The ministry said that the existing beneficial TCS treatment for education and health payments will also continue.

Credit Card - Customer Reviews

4 / 5 (449 Reviews)
18 Jan 2021

Very relevant offers,very good

30 Dec 2020

Suitable loan and card products.,Good website - easy to use,good

23 Nov 2020

Good website - easy to use,

26 Oct 2020

Usefulness of information,Credit Report Analysis,Website/app interface,Product offers,

19 Oct 2020

Usefulness of information,

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