Compare & Apply For Credit Cards Online

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Credit Card – Apply for a wide range of Credit Cards on BankBazaar starting at 0 annual fees, offering many benefits such as lucrative deals and discounts on Shopping, higher Rewards, Cashback, & Welcome Vouchers.

Credit Cards help you make payments for all your expenses with ease. They can be used for both online and offline transactions and offer various benefits.

Apply for a credit card online and select a card that best suits your needs. Enjoy instant approval, zero documentation, hassle-free application process, and a range of other benefits. Compare the best credit cards in India. You can find cards offered by top banks along with their features, benefits, fees, and latest offers in a single place.

Updated On – 28 Dec 2024

What is a credit card?

A credit card is a type of payment card that lets you access credit on the go. It can either be a plastic or a metal card issued by a bank or a financial institution. It allows you to pay for goods and services, both online and offline. If you pay off the credit card balance in full within the due date, you will not have to pay any interest on the due amount. Paying off your credit card bills on time will help you improve your credit score.

Most businesses allow customers to make purchases using credit cards, which continue to be one of the most widely used payment methods for buying consumer goods and services today.

Top Credit Cards in India

To help you choose the right card, we have curated a list of the top ten credit cards in India.

Credit Card	Category
RBL Bank BankBazaar SaveMax Co-branded Credit Card	Reward Points
FinBooster: YES BANK – BankBazaar Co-branded Credit Card	Reward Points
HSBC Platinum Credit Card	Travel and Dining
Federal Bank Signet Credit Card	Reward Points
IndusInd Platinum Card	Fee Waiver
IndusInd Platinum Aura Edge Credit Card	Lifestyle
SBI SimplySAVE Credit Card	Reward Points
HDFC Diners ClubMiles Credit Card	Lounge Access
HDFC Freedom Credit Card	Reward Points
Axis Bank Neo Credit Card	Shopping and Movies
Amazon Pay ICICI Credit Card	Cashback

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Features & Benefits of a Credit Card

Credit Cards come with a range of features and benefits. They allow you to make online and in-store secure payments, build a good credit history, and offer instant access to funds during emergencies. You can earn rewards such as points or cashback on your purchases, enjoy travel perks such as access to airport lounges and travel insurance, and get protection for your purchases with extended warranties.

They also offer the flexibility to pay off balances over time and provide fraud protection. Overall, they provide convenience and extra advantages for consumers.

Welcome Gift	Many banks offer a welcome gift to new credit card applicants once the card is issued through bonus reward points, vouchers, discounts, and other benefits.
Rewards Program	They generally offer a reward program, which allows cardholders to earn reward points on every transaction they make using their cards.
Fuel Surcharge Waiver	Banks offer a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month.
Cashback Benefits	Many credit cards offer cashback on daily spends and help the cardholder save money.
Lifestyle Benefits	Cardholders can enjoy various lifestyle benefits on their credit cards, such as offers on dining, shopping, wellness, entertainment, and other benefits.
Travel Benefits	Travel benefits of these cards include air miles, airport lounge access, travel insurance, airline offers, hotel offers, and other benefits.
Airport Lounge Access	Some cards offer complimentary airport lounge access to cardholders. The offer varies from one bank to another.
Add-on Cards	Cardholders can apply for add-on cards for their immediate family members and share the benefits of their card.
Insurance Coverage	Some premier cards come with a comprehensive insurance policy that provides coverage against air accidents, life, lost baggage, lost card, outstanding, and other benefits.
Balance Transfer	Cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank and pay off the balance at a lower interest rate.
Global Acceptance	Today, most credit cards that are issued in India are international cards and are accepted by various merchants all over the world.
EMI Conversion	This feature allows the cardholders to convert their transactions into easy monthly instalments (EMIs).
Credit Score	Owning a credit card helps you build a healthy credit score or a CIBIL score. By making timely payments on your card and in full, you can build your credit history and improve your credit score.

Different Types of Credit Cards in India

Credit card issuers in India offer a variety of cards to cater to the varied needs and preferences of the users. Some of the popular types of credit cards available include the following:

Co-branded credit cards – offered by the credit card issuer in partnership with another company and come with a range of benefits.
Rewards credit cards – let you earn reward points for all your spends, and the ability to earn higher points for certain category of spends.
Travel credit cards – offer a variety of travel benefits such as complimentary airport lounge access.
Cashback credit cards – offer you cashback for all your spends, with certain spends offering the highest cashback.
Shopping credit cards – ideal for those who love to shop as they come with discounts and rewards at partner stores.
Fuel credit cards – these cards come with cashback or discounts on fuel spends.
Premium credit cards – offer exclusive privileges and perks to meet the distinct needs of the cardholders.
Lifestyle credit cards – to meet all your lifestyle related needs such as movies, dining, golfing etc.
Business credit cards – these cards are tailored to needs of professionals and business owners.

Choosing the right credit card that aligns with individual spending habits and financial goals can help you reap the maximum benefits of your card

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Credit Card Eligibility

To be eligible for a credit card in India, you typically need to be at least 18 years old and have a regular source of income. The income requirement varies depending on the type of card and the issuer. Having a good credit history and a positive credit score can also improve your chances of approval. You must provide identification, address proof, income proof, and other necessary documents when applying. Meeting the eligibility criteria doesn’t guarantee approval, as the credit card issuer may consider other factors.

Eligibility Criteria	Requirement
Nationality	Indian
Age	18 years
Employment status	Salaried or Self-employed
Income	Differs from one bank to the other
Credit Score	Good credit score (700 and above)

Documents Required to Apply for a Credit Card

When applying for a credit card, the documents required may vary depending on the issuer. However, in most cases you will need to submit the following documents:

Identity proof: such as your Aadhaar card, PAN card, Driving licence, passport, or voter’s ID to establish your identity.
Address proof: such as electricity bill, telephone bill, Aadhaar card, or other valid proof of your residential address.
Annual ITR (if required): If you are self-employed or have other sources of income, you may need to submit your annual Income Tax Returns (ITR) as proof of your financial standing.
Latest salary slips: If you are a salaried individual, submitting your recent salary slips can help demonstrate your income and repayment capacity.
Duly-filled application form: This form provides your personal information and serves as a formal request for a credit card.
Passport-size photographs: Usually, you will need to provide a couple of recent passport-size photos for identification purposes.
Bank statement: Providing your bank statement, typically for the last three to six months, helps verify your financial transactions and stability.
Form 16: For salaried individuals, a Form 16 issued by your employer is proof of your income, taxes paid, and tax deductions.