Good Credit Cards in India for Every Need

In India, there are credit cards that cater to every need, from cashback and rewards to travel and entertainment.

If you're a frequent flyer, consider the HDFC Bank Diners Club Black credit card, which offers 10,000 bonus reward points on your first purchase.

The ICICI Bank Coral Credit Card is perfect for those who want a low-interest rate, with an interest rate of 1.99% per month.

For cashback enthusiasts, the SBI SimplySave Credit Card is a great option, offering 2.5% cashback on all purchases.

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If you're in the market for a good credit card, consider the Regalia Gold Credit Card. You can get a gift voucher worth ₹2,500 as a welcome benefit. This card also offers 4 Reward Points on every ₹150 retail spends.

Some merchants offer even more Reward Points. For instance, you can get 5X Reward Points on every ₹150 retail spends at Myntra, Nykaa, Marks & Spencers, and Reliance Digital.

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Airport lounge access is another perk of this card. You can enjoy 12 complimentary airport lounge access at domestic and international terminals in India.

If you spend ₹5 lakh in a year, you'll get ₹5,000 worth of flight vouchers.

Lastly, this card also offers up to 20% savings on your restaurant bill payments via Swiggy Dineout.

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If you're looking for a credit card that offers a welcome gift, the SBI Card ELITE Advantage is a great choice, offering a welcome e-gift voucher worth Rs. 5,000 when you join.

You can also earn 5X reward points for spending at chemists, pharmacies, dining, and movies with the SBI Card ELITE Advantage.

The SBI Doctor’s SBI Card offers a professional indemnity insurance cover of Rs. 20 lakhs, which is a unique feature that not many credit cards offer.

IndusInd Bank offers a range of credit cards, including the IndusInd Bank Legend Credit Card, IndusInd Platinum Credit Card, IndusInd Bank Platinum Aura Edge Credit Card, Club Vistara IndusInd Bank Explorer Credit Card, and IndusInd Bank Duo Credit Card.

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If you're a frequent traveller, the Eterna Card from Bank of Baroda is a great choice, offering unlimited lounge access and reward points for lifestyle upgrades, travel, and more.

You can also earn up to 8.5% savings on IOCL fuel spending with the IndianOil RBL Bank XTRA Credit Card from RBL Bank.

Here's a list of some of the best credit card offers in India:

If you're a frequent traveller, consider the Ultimate credit card, which offers 3.33% value on all your spends, along with complimentary access to premier golf courses and airport lounges.

For smart spenders, the DigiSmart credit card is a great option, offering 20% off at Myntra, 10% off on Grofers, and 'Buy One Get One' movie ticket offers at INOX.

If you're a regular commuter, the Indian Oil Axis Bank Credit Card is a good choice, offering up to Rs 250 cashback on fuel spending.

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Here are some popular credit cards for specific needs:

There are various types of credit cards designed to cater to different needs and preferences. Cashback credit cards are a great option for those who want to save money on their daily expenses.

The Ultimate credit card gives you 3.33% value on all your spends, making it a great choice for those who want to earn rewards on all their purchases. You can also enjoy complimentary access to premier golf courses and airport lounges.

Shopping credit cards are perfect for those who love to shop online or in-store. The DigiSmart credit card offers 20% off at Myntra, 10% off on Grofers, and a 10% discount on Zomato, making it a great choice for online shoppers.

Travel credit cards are ideal for those who love to travel. The Ultimate credit card gives you complimentary access to premier golf courses and airport lounges, while the Priority Visa Infinite credit card offers Priority Pass memberships opening the doors to airport lounge access at over 1000 airports across the world.

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Fuel credit cards are great for those who drive frequently. The Super Value Titanium cashback credit card saves a good deal of your monthly expenses for you with its 5% cashback on your fuel spends.

Lifestyle credit cards are perfect for those who want to enjoy premium experiences. The Ultimate credit card augments your premium lifestyle with its 3.33% value on all your spends and complimentary access to premier golf courses and airport lounges.

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Choosing the right credit card is like finding the perfect pair of shoes - it's all about what fits your needs and style. If you're a frequent traveler, you'll want a card that offers rewards and benefits that cater to your travel habits, such as the Ultimate credit card which gives you 3.33% value on all your spends and complimentary access to premier golf courses and airport lounges.

For smart spenders, cards like the DigiSmart credit card are a great option, offering 20% off at Myntra, 10% off on Grofers, and a 10% discount on Zomato, among other perks. If you're looking for a card that earns you double benefits - cashback and rewards - the Manhattan Credit Card is a good choice, offering 5% cashback at supermarkets and 3x rewards for every other purchase.

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If you're a salaried individual, cards like the HDFC Millennia Credit Card are popular for their rewards and benefits, offering 5% cashback on spends across top ecommerce brands, welcome benefits, and a maximum of 20% discount on dining at partner restaurants via Swiggy Dineout.

Here are some popular credit cards for specific needs:

The key is to find a card that aligns with your lifestyle and spending habits, so take your time and research different options before making a decision.

The IDFC First Vistara Club Credit Card is a great option for frequent flyers, especially those loyal to the Vistara program. It offers a range of benefits that can make your travel experiences more enjoyable and rewarding.

With this card, you can receive up to 6 free Premium Economy ticket vouchers as part of the welcome and milestone benefits. You'll also earn Club Vistara Points on your purchases, which can be redeemed for flights, upgrades, and other perks.

One of the standout features of this card is its lounge access benefits. You'll get up to 4 international and 8 domestic lounge accesses annually, making it easy to relax and unwind during your travels.

If you're a frequent Vistara flyer, this card is definitely worth considering. It offers a range of benefits that can save you time, money, and hassle, and make your travel experiences more enjoyable.

Here are some key benefits of the IDFC First Vistara Club Credit Card at a glance:

If you're a student in India, you're in luck because there are some amazing credit cards designed specifically for you.

The IDFC FIRST WOW! Credit Card is a great option for students, offering 7.5% interest on Fixed Deposit (FD) and 4X Reward Points on all credit card transactions.

One of the best things about this card is that it has no joining or annual fees, making it a great choice for students on a budget.

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Another option is the ICICI Student Forex Prepaid Card, which offers joining benefits worth INR 5,000 and includes an ISIC membership worth INR 999.

This card also comes with a complimentary international SIM card, which is perfect for students who travel abroad frequently.

Here are some of the best credit cards for students in India:

These credit cards offer a range of benefits and rewards that can help students manage their finances and make the most of their money.

When choosing a credit card, it's essential to consider its features and benefits. The Manhattan Platinum Card, for example, offers 5x reward points on dining and fuel spends, making it a great choice for frequent diners and drivers.

The Ultimate Card provides a 3.33% reward value for all spends, giving you a significant return on your purchases. This is a great option for those who want to maximize their rewards.

In addition to rewards, consider the credit card's features such as credit limit, interest rate, payment options, online banking, and security features. The Super Value titanium card, for instance, offers 5% cashback on fuel, phone, and utility bills, making it a great choice for those who want to save on these expenses.

Here are some key features to look for in a credit card:

When choosing a credit card, it's essential to consider the annual fees involved. Annual fees can range from Rs. 500 to Rs. 5000 for premium cards.

Free cards are an option for those with minor spends, as they come with no annual fees but limited benefits and rewards. However, for heavy users, a premium card with an annual fee can offer high rewards and benefits that make it a good value.

A fuel surcharge waiver is a valuable benefit for long-distance drivers, as it saves them from paying extra at fuel pumps. Reward points are another benefit, allowing cardholders to earn and redeem points for cashbacks, gift vouchers, or merchandise.

Miles are also a type of reward, earned for flight tickets, hotel stays, or other partner redemptions. No-cost EMIs enable cardholders to buy now and pay later in interest-free instalments.

Complimentary offers, such as airport lounge access and shopping rewards, are also included with some credit cards. To ensure value for money, weigh the annual fees against the potential benefits and rewards offered by each card.

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When choosing a credit card, it's essential to consider its features beyond just rewards. The Manhattan Platinum Card, for example, offers cashback deals on supermarket spends and rewards, making it a popular choice.

Credit limit is a crucial aspect to check, as it determines your spending power. Ensure you understand your eligibility and the credit limit offered by the card issuer.

Interest rates can vary significantly between cards, so it's vital to compare the annual interest levied on revolving balances. The Manhattan Platinum Card, for instance, offers a competitive interest rate.

Payment options can make or break your experience with a credit card. Look for cards that offer convenient options like net banking, wallet, UPI, or cards for easy repayment.

Online banking is a must-have feature in today's digital age. The Standard Chartered credit cards, such as the Manhattan Platinum Card, allow you to manage your accounts, view statements, and block cards online through a user-friendly app or website.

Security features are equally important, as they safeguard you from frauds. Look for options like one-time password (OTP), EMV chip & PIN protection, and other advanced security measures.

Here are some key features to consider when choosing a credit card:

Customer service is also a critical aspect to consider, especially in case of claim or dispute redressals. Ensure the card issuer has a responsive and reliable customer service team in place.

Tracking your spending is a crucial step in choosing the right credit card for your needs. It helps you understand where your money is going and identify areas where you can cut back.

To get started, take a close look at your spending patterns and priorities. This will help you determine the type of card you need.

If you're a big shopper, consider a card that offers no-cost EMIs, instalment plans, or reward points on shopping categories like apparel, electronics, etc. This can save you money in the long run.

For frequent flyers, a card that earns maximum miles or points on travel expenses like airline tickets, hotels, etc. might be the way to go. These cards usually involve annual fees, but the benefits can outweigh the costs.

Here are some common spending categories to consider:

By understanding your spending habits, you can choose a card that aligns with your needs and helps you save money.