Credit Cards
The total number of credit cards issued by banks in India surpassed the 100 million mark in February 2024. India’s credit card penetration is currently estimated at about 7.14% of the population of 1.4 billion, or 100 million people. HDFC Bank is the leader in issuing credit cards, with over 20 million, followed by SBI Card, ICICI Bank, and Axis Bank. The are hundreds of credit card available in Indian credit card market. Every credit card has its own features and benefits.
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During sales call sales representative explain few features of the credit card which might be lucrative but not suited to your requirement. This makes it difficult to choose the right credit card which is best for you. In our endeavors to provide you maximum information of credit card we have started publishing detailed review of credit card. This certainly helps to compare and pick up the right credit card which is best suited to your requirement.
Choosing the right credit card can be a difficult task as there are too many credit cards are available in the credit card market. Right from Cashback to rewards and shopping to travel, the best credit card in India are designed to offer array of benefits to meet the varied lifestyle. Hence, it is very important to compare credit cards from different card issuers and pick up the one which meets your requirement and need.
What is Credit Card?
Credit card is a plastic or a metal card which is issued by issuing bank. Credit card allows credit card holder to borrow the money to the extend of pre approved limit amount for the card. Cardholder can shop and pay for goods and services using the card up to predefined credit limit. Credit card can be used to pay for online transactions and make payments at POS.
The credit limit is decided by the issuing bank on the basis of the applicant’s income, credit score, existing debt and several other internal policies of the bank.
A credit card has details like credit card number, expiry date, name of the cardholder and CVV embosed or printed on it. Please note all these details are important when registering your card for online payment.
On every transaction, credit cards offers reward to the card holder. Reward can be in the form of reward points, cashback, air miles, discount, etc. Moreover there is no interest charges applicable on credit card balances as long as you clear your total dues on time and do not withdraw cash.
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Latest Credit Card New, Updates and Information
HDFC Bank has introduced 1% fee on rental transaction.
All rental transactions using HDFC Bank credit cards through third-party payment apps such as CRED, PayTM, Cheq, MobiKwik, Freecharge, and others will now levy a 1 percent fee on the transaction amount, capped at Rs 3,000 per transaction, for payments.
HDFC Bank introduced 1% charge on utility transactions above Rs 50,000
The bank is introducing a charge for large utility bill payments made with HDFC Bank credit cards. if you spend more than Rs 50,000 per transaction on utilities, a 1 percent fee will be charged on the entire amount and capped at Rs 3,000 per transaction. However, if you spend less than Rs 50,000 per transaction on utilities, no additional charges will be levied.
HDFC Bank has Introduced 1% charge on fuel transactions above Rs 15,000
If you spend less than Rs 15,000 per transaction on fuel, no additional fee will be charged by the bank. However, if you spend more than Rs 15,000 per transaction on fuel, a 1 percent fee will be charged on the entire amount and capped at Rs 3,000 per transaction.
Features and Benefits of a Credit Card
EMI Conversion: Mostly every credit cards offers to convert your big-ticket purchases into EMIs. This helps to defer the cost over several months. Flexi pay or EMI conversion is especially helpful for cardholders who cannot afford to pay for a lumpsum amount but can pay smaller amounts every month.
Add-on Credit Cards: Add-on benefit allows a card holder to get add-on cards issued for your spouse, children or parents to share the benefits of the card with them based on your primary credit card. Most of the banks are offering this benefit without any charges. the limit of the card remain same as per primary credit card and its share among primary and add-on cards.
Fuel Surcharge Waiver: When cardholder pays for fuel (petrol or Diesel) using credit card, Credit Card issuing bank offers 1% fuel surcharge waiver. However, the transaction value for which you can avail the waiver and the maximum waiver amount for each month varies from card to card.
Airport Lounge Access: Airport lounge access features is not limited to travel cards only; several other cards also offer free international or Domestic lounge visits . The maximum number of free lounge access in a month/quarter/year varies from card to card.
Insurance Cover: Some credit cards also provide complimentary insurance cover for air accident, emergency hospitalization, lost card liability, luggage/document loss during travel, etc. The extent of cover varies from card to card.
Concierge Service: All the super premium credit cards and some premium credit cards come with complimentary concierge facility, which allows users the convenience of making travel bookings, gift delivery, roadside vehicle repair assistance, etc. through the concierge desk.
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| 6E Rewards – IndiGo HDFC Bank Credit Card | Freedom Credit Card | Millennia Credit Card | Regalia First Credit Card |
| 6E Rewards XL- IndiGo HDFC Bank Credit Card | HDFC Bank H.O.G Diners Club Credit Card | MoneyBack Credit Card | Regalia Gold Credit Card |
| All Miles Credit Card | HDFC Bank Harley-Davidson Diners Club Credit Card | MoneyBack+ Credit Card | Rupay Credit Card |
| Bharat Credit Card | HDFC Bank Times Card Credit | Paytm HDFC Bank Credit Card | Shoppers Stop Black HDFC Bank Credit Card |
| Diners Club Black Credit Card | HDFC Bank Times Card Credit Platinum | Paytm HDFC Bank Digital Credit Card | Shoppers Stop HDFC Bank Credit Card |
| Diners Club Black Metal Edition Credit Card | IndianOil HDFC Bank Credit Card | Paytm HDFC Bank Mobile Credit Card | Solitaire Credit Card |
| Diners Club Premium Credit Card | INFINIA Metal Edition | Paytm HDFC Bank Select Credit Card | Superia Credit Card |
| Diners Club Privilege Credit Card | InterMiles HDFC Bank Diners Club Credit Card | Pixel Go Credit Card | Swiggy HDFC Bank Credit Card |
| Diners Club Rewardz Credit Card | InterMiles HDFC Bank Platinum Credit Card | Pixel Play Credit Card | Tata Neu Infinity HDFC Bank Credit Card |
| Diners ClubMiles Credit Card | InterMiles HDFC Bank Signature Credit Card | World MasterCard Credit Card | Tata Neu Plus HDFC Bank Credit Card |
| Doctor’s Regalia Credit Card | IRCTC HDFC Bank Credit Card | Platinum Edge Credit Card | Teachers Platinum Credit Card |
| Doctors Superia Credit Card | JetPrivilege HDFC Bank Select / Titanium | Platinum Plus Credit Card | Titanium Edge Credit Card |
| Easy EMI Card | Marriott Bonvoy HDFC Bank Credit Card | Regalia Credit Card | Visa Signature Credit Card |
Types of Credit Cards in India
Credit Cards offers many varieties from basic Credit Cards, to premium credit card and to super premium cards. Now a days credit card are being designed keep end user profile and his requirements i.e. shopping , frequent flyer, lounge access, online shopping, offline shopping and so on.
Different Credit Cards offer varying features and choosing one will depend on your requirements. For example, if you are travel a lot and that to using airline services. frequent flyer credit will help if you have a Credit Card co-branded with an airline.
We have explained below different types of Credit Cards in India to help you choose one that’s right for you. There are 10 types of Credit card based on value a credit cards offers through its features and benefits:
1. Travel Credit Cards
A travel credit card is designed to help users save on their travel spends in the form of air miles, free flights, discounted hotel stays, airport lounge access, travel insurance, etc. below is the list of some features of travel credit cards:
Reward Points/Miles: Travel credit cards allow you to earn points or miles on purchases, particularly those related to travel like flights, hotels, car rentals, and dining. These points or miles can be redeemed for travel-related expenses.
Airport Lounge Access: Many travel credit cards provide complimentary access to airport lounges, offering a more comfortable experience while waiting for flights.
Travel Insurance: These cards often come with travel insurance benefits, covering trip cancellations, lost luggage, medical emergencies, and more.
No Foreign Transaction Fees: Travel credit cards typically waive foreign transaction fees, making them a cost-effective option for international travelers.
Special Discounts and Offers: Cardholders can often enjoy discounts on hotel bookings, car rentals, dining, and other travel-related services.
Priority Services: Some travel cards offer priority check-in, boarding, and baggage handling, especially if they are co-branded with airlines.
Complimentary Tickets and Upgrades: Certain cards provide complimentary flight tickets, upgrades, or other travel-related vouchers as part of their rewards program.
2. Shopping Credit Cards
A Shopping credit card is designed with focus to provide benefits and rewards specifically for spending on retail and online purchases. Key features of shopping credit cards are cashback rewards, reward points, discounts and offers, welcome bonuses, annual fee waivers. below is the list of some Popular shopping credit cards in India
SBI Cashback Credit Card, We have reviewed SBI Cashback Credit card please Click here to read more about it.
Flipkart Axis Bank Credit Card,
Amazon Pay ICICI Credit Card,
HDFC Bank Regalia Gold Credit Card,
SBI SimplyCLICK Credit Card : We have reviewed SBI Simply Click Credit card please Click here to read more about it.
3. Rewards Credit Cards
Rewards credit cards are designed to offer cardholder benefits and incentives for their spendings. Rewards credit card provide reward points for every purchase which can later be redeemed to avail vouchers or merchandise from the issuer’s rewards catalogue, converted to air miles or cashback.
While opting for a reward credit card, you should choose reward credit card basis your spending habits, redemption options, annual fee and meaningful additional benefits. Reward credit cards are a great way to earn benefits for your regular spending, provided you choose a card that matches your lifestyle and spending habits.
4. Cashback Credit Cards
Cashback credit cards in India are designed to offer a percentage of your spending back as cash rewards, making them a popular choice for those looking to save on everyday purchases. Here are some key features and examples of popular cashback credit cards in India:
Offer a percentage of the spend back to the user as direct cashback instead of reward points.
5. Fuel Credit Cards
Help the cardholder save on fuel spends by offering extra reward points on fuel spends; most cards are co-branded with fuel brands like Indian Oil, HPCL, BPCL, etc.
6. Lifetime-free Credit Cards
charge no joining fee or annual fee
7. Entry-level Credit Cards
Mostly low fee cards with easier eligibility terms and basic rewards structure, suited to the needs of beginners
8. Dining Credit Cards
Help cardholders save on their dining spends in the form of reward points, discount, co-branded benefits, free memberships, etc.
9. Co-branded Credit Cards
Suited to the needs of brand loyalists, offering higher rewards/cashback when shopping with the associated brand
10. Grocery Credit Cards
Rewards the users for their spends on groceries and departmental stores, etc.
11. Premium Credit Cards
Suited to the needs of high-income individuals and come with luxury benefits which may not be available with regular cards
12. Hotel Credit Cards
Help the users avail discounted stays, free memberships or other benefits allowing travellers save on their hotel spends
13. Business Credit Cards
issued directly in the name of an organization or the employee of an organization; provides benefits that can help businesses save on their operational costs
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