Detailed List of Credit Cards in India

In India, a wide variety of credit cards are issued, each designed to fulfill the diverse needs and lifestyles of customers. From shopping to dining and travel to fuel, each credit card offers specific rewards and benefits. Credit cards are also tailored as per the customer’s spending habits, such as cashback cards, reward points cards, co-branded cards, and premium cards with exclusive privileges. Whether you're a frequent flyer, an online shopper, or someone who enjoys luxury experiences, there will be a credit card to suit your preferences. Read on to know more about the different types of credit cards issued in India. 

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Bank

1st Year Fee

₹0₹500
  • First year fee upto:

    ₹0

Card Fee Type

Card Network

 100% Paperless Approval
Indusind Bank Platinum Credit Card - Apply Online
  • IndusInd Bank Platinum Card

    1st year fee

    :  

    ₹ 0

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Up To 4 X Points On Shopping

 100% Paperless Approval
Apply Online for Indusind Bank Platinum Aura Edge Credit Card
  • IndusInd Bank Platinum Aura Edge Credit Card

    1st year fee

    :  

    ₹ 0

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High On Rewards

HSBC Platinum Card - Apply Online
  • HSBC Visa Platinum Card

    1st year fee

    :  

    ₹ 0

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High On Rewards And Cashback

 100% Paperless Approval
Apply for Axis Bank My Zone Credit CardOnline
  • Axis Bank My Zone Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

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The below-listed are the different types of credit cards issued in India, along with their features:

Type of Credit Card

Features

Examples

Regular Credit Cards

  1. Ideal for beginners
  2. Offers reward points
  3. Fuel surcharge waivers
  4. Three free add-on cards for family members.

Axis Bank Ace Credit Card

Premium Credit Cards

  1. Higher credit limits
  2. Reward points; lifestyle benefits like free airport lounge access
  3. Suitable for higher income and frequent buyers.

American Express Platinum Credit Card

Super Premium Credit Cards

  1. Exclusive perks like lounge access, golf games, concierge services, fine dining discounts, and best-in-class rewards.
  2. Usually by invitation only.

Diners Club Black, HDFC Bank Infinia

Co-branded Credit Cards

Offers extra air miles, flight discounts, baggage insurance, and lounge access; specific to travel, shopping, or other uses.

Paytm HDFC Bank Credit Card

Business Credit Cards

  1. Covers business expenses; provides tools like spend analysis
  2. Seamless accounting
  3. Savings on travel and purchases.

HDFC Bank Business MoneyBack, Corporate Platinum

Cashback Credit Cards

  1. Offers cashback on daily spends
  2. Discounts on shopping and dining
  3. Helps settle outstanding credit.

HDFC Bank MoneyBack+ Credit Card, Platinum Edge Credit Card

Secured Credit Cards

  1. Issued against a fixed deposit
  2. No income proof or credit score required
  3. Credit limit matches FD value and earns interest.

SBI Card Unnati , Kotak 811 #DreamDifferent Credit Card, ICICI Bank Instant Platinum Credit Card

Lifestyle Credit Cards

  1. Benefits on shopping, dining, and travel
  2. Complimentary airport lounge access, gift vouchers, and higher reward points.

HDFC Regalia Gold, Millenia, Diner’s Club Privilege Credit Card

Travel Credit Cards

  1. Rewards for travel expenses
  2. Exclusive deals on flights, stays, and transportation
  3. Complimentary flight tickets and memberships.

6E Rewards – IndiGo HDFC Bank Credit Card

Shopping Credit Cards

  1. Rewards for spending thresholds
  2. Redeemable vouchers and rewards on shopping.

Tata Neu Infinity, Shoppers Stop HDFC Bank Credit Card

Fuel Credit Cards

  1. Higher rewards on fuel purchases
  2. Redeemable points for free fuel or statement credits.

IndianOil HDFC Bank Credit Card

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Fuel Credit Cards

Fuel credit cards offer cashback, surcharge waivers, and extra rewards on fuel spends, especially at select pumps. They come with low fees and perks like welcome bonuses, dining and travel offers, and can be used like regular credit cards. Users also earn rewards on top-ups and get benefits like add-on cards and renewal deals.

Some of the popular auto/fuel credit cards are given as follows:

Credit Card

Annual Fee

Key Benefit

BPCL SBI Card Octane

Rs.1,499

  1. Offers 7.25% value back on BPCL purchases
  2. On annual payment, the card offers 6000 reward points.
  3. Surcharge waiver of 6.25% plus 1.00% up to Rs.4000.
  4. Offers 25 and 10 reward points on every Rs.100 spent at BPCL Fuel, Lubricants & Bharat Gas; and at Dining, Departmental Stores, Grocery and Movies, respectively.
  5. Offers four complimentary airport lounge access in India.
  6. Offers milestone privileges, fraud liability coverage, instant reward redemption.
  7. On annual spend of Rs.3000, the card offers gift voucher worth Rs.2000 from Aditya Birla Fashion, Yatra, or Hush Puppies/ Bata. 

IndianOil Axis Bank Credit Card

Rs.500

  1. Offers up to 1250 EDEG Reward points on first fuel transaction as Welcome Benefit.
  2. Earn a 4% value back on fuel purchases by accumulating 20 reward points for every Rs.100 spent at any IOCL fuel station in India for transaction between Rs.400 and Rs.4000. 
  3. Benefit of 1.00% value back on online shopping by offering five reward points on every Rs.100 spent.
  4. Fuel surcharge waiver of 1.00% for transaction made between rs.400 to Rs.4000
  5. Annual fee waiver on spending more Rs.3.50 lakh.
  6. Discount of 10% on booking movie ticket via Bookmyshow app or website.
  7. On spending Rs.100 card offers 1 EDGE REWARD point.
  8. Discount of 15% up to Rs.500 at partner restaurants in India via EazyDiner once a month for a minimum order value of Rs.2,500. 
  9. Discount of 15% on flight and hotel booking via Makemytrip and Goibibo, 10% on Swiggy and Amazon Fresh and 10% on Tira.

HDFC Bharat Cashback Credit Card

Rs.500 plus applicable taxes

  1. On fuel expenses the card offers 5.00% monthly cashback.
  2. Offers a 1.00% fuel surcharge waiver.
  3. Offers monthly cashback of 5.00% on ticket booking via IRCTC.
  4. 5.00% cashback on monthly bill payment and mobile recharge, and grocery.
  5. On spends on PayZapp, EasyEMI, or SmartBUY, the card offers 5.00% cashback.

BPCL SBI Card

Rs.499

  1. On fuel purchases at BPCL petrol pumps the card offers 13X reward points.
  2. Fuel surcharge waiver of 3.25% plus 1.00%.
  3. On payment of joining fee, the card offers 2,000 Activation Bonus Reward Points worth Rs.500.
  4. Offers 5X and 1X reward points on spending Rs.100 at Groceries, Departmental Stores, Movies and Dining; and on non-fuel retail purchases, respectively.

Save more on fuel with these Fuel Credit Cards.

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Contactless Credit Cards

Contactless credit cards use tap-to-pay technology, letting users make secure payments at POS terminals without entering a PIN. They offer benefits like discounts, cashback, rewards, entertainment perks, welcome gifts, lounge access, concierge service, and insurance.

Some of the popular contactless credit cards are:

  1. SBI Signature Contactless Credit Card
  2. AU Bank Vetta Credit Card
  3. Kotak Royale Signature Credit Card

Credit cards for Women

To ensure their female customers get the maximum benefits, some banks have introduced credit cards that are exclusively designed for women. These Women credit cards mainly focus on shopping rewards and cashback offers. Apart from this, cardholders can get bonus reward points, fuel surcharge waiver, insurance, etc. They can also earn reward points when they make purchases using their credit cards. There are few credit cards for women that offer amazing travel benefits.

Some of the popular credit cards for women are:

  1. SimplyCLICK SBI Credit Card
  2. BOBCARD Tiara Credit Card

Travel Credit Cards

Travel credit cards offer benefits like air mile rewards, airport lounge access, travel insurance, and hotel or dining discounts. Linked to airlines or travel companies, they let users convert points into air miles and enjoy perks like flight upgrades and holiday offers. The below listed are some sought after travel credit cards.

Some of the popular travel credit cards are:

Credit Card

Annual Fee

Key Benefit

Axis Bank Vistara Signature Credit Card

Rs.3,000

  1. Per Rs.200 spent across eligible categories the card offers four Maharaja points.
  2. Offers complimentary premium Economy Class ticket voucher on payment of fees
  3. Offers privileges of complimentary Maharaja Club Silver Membership.
  4. Provides bonus Maharaja points and up to four premium Economy Class ticket voucher on achieving Milestone eligible spends. 
  5. Two complimentary domestic airport lounge access.
  6. Purchase protection coverage of up to Rs.1 lakh.
  7. Offers EMI facility for transactions above Rs.1,500 made using this card. 
  8. Discount of 15% on flight and hotel bookings via Goibibo and Makemytrip; 10% on Swiggy and Amazon Fresh; and 10% on orders via Tira.

SBI Card ELITE

Rs.4,999 plus taxes

  1. Welcome benefit of e-gift voucher worth Rs.5000.
  2. Complimentary movie ticket worth Rs.6000 per year valid for at least two tickets per booking per month.
  3. On achieving annual spends of Rs.3 lakh and Rs.4 lakh, the card offers 10,000 bonus reward points.
  4. Offers 5X and 2 (for every Rs.100 spent) reward points on Dining, Departmental stores and Grocery Spends; and on all other spends except fuel, respectively. 
  5. Offers six complimentary international airport lounge access per year.
  6. Provides two complimentary domestic airport lounge access per quarter.
  7. Offers 15,000 reward points on annual spend of Rs.5 lakh and rs.8 lakh
  8. On spending Rs.10 lakh annually, the card reverses the annual fee.
  9. Offers 1.00% fuel surcharge waiver for up to a maximum of Rs.250 per month. 
  10.  Offers complimentary membership to Priority Pass Program only to primary holders valid for two years.
  11. Low forex markup of 1.99% in international transactions and offers 2 reward points on every Rs.100 spent internationally.
  12. The card also offers exclusive concierge services.

HDFC Regalia Gold Credit Card

Rs.2,500 plus applicable taxes

  1. Receive complimentary Swiggy One and MMT Black Gold Membership as Welcome Benefits on spending Rs.1 lakh within 90 days of card issuance.
  2. 6 Complimentary Lounge Access per calendar year, outside India.
  3. 12 complimentary access within India
  4. Renewal fee waiver of on spending Rs.4 lakh in an anniversary year.
  5. On spending Rs.1.50 lakh in every calendar quarter, the card offers voucher worth Rs.1,500 from Marriott, Myntra, Marks & Spencer or Reliance Digital.
  6. On spending Rs.5 lakh spends in an anniversary year offers flight voucher worth Rs.5000 and additional Rs.5000 worth flight voucher on spending Rs.7.50 lakh in an anniversary year.
  7. Dining benefits with the Good Food Trail program.
  8. Offers 5X reward points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital and 4 reward points on every Rs.150 spent.
  9. 20 reward points earned on every Rs.150 spent at Myntra, Reliance Digital, Marks & Spencer, Nykaa. 
  10. Other benefits such as zero cost liability, foreign currency markup of 2.00%, revolving credit facility, and concierge.

Need a card for travel? See the Best Travel Credit Cards.

Cashback Credit Cards

Cashback credit cards reward users with 5% to 20% cashback based on spending categories like bills, movies, dining, and groceries. Key features include fuel surcharge waivers, annual fee reversals, global acceptance, rewards, balance transfers, and shopping privileges.

Credit Card

Annual Fee

Key Benefit

Axis Bank ACE Credit Card

Rs.499 (Zero for selected channels)

  1. On bill payment, DTH and mobile recharge the card offers 5.00% cashback.
  2. Offers 4.00% and 1.50% cashback on Swiggy, Ola, and Zomato; and on all other spending, respectively. 
  3. Offers four complimentary lounge visit per calendar year within India.
  4. Fuel surcharge waiver of 1.00% on transactions made between Rs.400 to Rs.4000. 
  5. 15% discount at partner restaurants.
  6. Converts transaction amount of Rs.2,500 or more into EMI.
  7. Offers annual fee waiver on making annual spends over Rs.2 lakh. 

Flipkart Axis Bank Credit Card

Rs.500

  1. On every purchase at Flipkart and Cleartrip using this card the cardholders can avail themselves of 5.00% cashback.
  2. Unlimited 4.00% cashback on preferred merchants and 1.00% on other eligible categories.
  3. Activation benefits worth Rs.600.Four complimentary lounge visit to selected airports per year on minimum spend of Rs.50,000 in previous three months.
  4. Fuel surcharge waiver of 1.00%.
  5. 15% discount at partner restaurants.
  6. 15% discount on flight and hotel and flight booking via Goibibo and Makemytrip;
  7. 10% on Swiggy and Amazon Fresh; and 10% up to Rs.1000 on Tira.

HSBC LIVE+ Credit Card

Rs.999

  1. Enjoy 10% accelerated cashback, up to Rs.1,000 per month, on dining, food delivery, and grocery purchases, plus 1.5% unlimited cashback on most other expenses.
  2. Rs.1000 cashback on downloading HSBC India Mobile Banking app and spending Rs.20,000 within 30 days of receiving the card.
  3. Rs.100 Amazon e-gift voucher
  4. 1.5% unlimited cashback on movies and shows at home or at cinema.  
  5. 1.5% unlimited cashback in selected categories at home and when you are travelling abroad.
  6. 4 complimentary domestic airport lounge visits per year.

HDFC Millennia Credit Card

Rs.1,000 plus applicable taxes

  1. Get 5% cashback on purchases made through Amazon, Myntra, Flipkart, Tata CLiQ, BookMyShow, Cult.fit, Sony LIV, Swiggy, Uber, and Zomato, plus 1% cashback on all other spends (excluding fuel, wallet, EMI, and government transactions).
  2. On spending of Rs.1 lakh and above in each calendar quarter, the card offers Rs.1000 worth gift voucher.
  3. Discount of up to 20% partner restaurants via Swiggy Dineout.
  4. Fuel surcharge waiver of 1.00%.
  5. On payment of membership fee, the card offers reward points worth the fee amount.  
  6. Renewal membership fee waived off on spending Rs.1 lakh or more in preceding year.
  7. Other benefits of zero lost card liability, interest free period of 50 days, dining privileges, and revolving credit.

Want more cashback options? Check out our Top Cashback Credit Cards.

Co-branded Credit Cards

Co-branded credit cards are issued by banks in partnership with brands, offering combined benefits like discounts, exclusive deals, and booking perks. They provide flexible use and add value to both partners.

Some of the popular co-branded credit cards are:

Credit Card

Annual Fee

Key Benefit

IRCTC SBI Platinum Credit Card

Rs.500 plus taxes

  1. Receive 350 bonus Reward Points upon making a single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and cash transactions are excluded.
  2. On payment of Renewal fee, offers 500 Reward Points.
  3. Up to 10% Value Back as Reward Points, on purchasing tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car.
  4. For every Rs. 125 spent on non-fuel retail purchases, the card offers 1 reward points.
  5. 4 complimentary railway lounge access in a year
  6. Fuel surcharge waiver of 1.00%.
  7. On railway ticket bookings, offers savings of 1.00% on transaction charges.

FinBooster: YES Bank - BankBazaar Co-branded Credit Card

Nil

  1. The card offers 5X and 3X reward points on every Rs.200 spent on dining and online shopping of grocery or apparel.Insurance coverage of Rs.2.50 lakh on accidental death of primary cardholder.
  2. Fuel surcharge waiver of 1.00%.
  3. Instant EMI for transaction amount of Rs.2,500 or more.
  4. Offers EMI on call and quick loan facility.

RBL Bank BankBazaar SaveMax Credit Card

Nil

Enjoy 5x Reward Points on groceries (up to 1,000 points monthly), 10% cashback (up to Rs. 100 monthly) on Zomato and BookMyShow, plus 1 Reward Point for every Rs.100 spent on other purchases

Get brand benefits with Co-branded Credit Cards.

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Rewards Credit Cards

Rewards credit cards offer points on retail and online transactions, plus bonuses like welcome gifts and spending milestones. Points can be redeemed for cashback, travel, air miles, and more. Some cards also offer installment payment options.

Some of the popular rewards credit cards are:

Credit Card

Annual Fee

Key Benefit

SBI Card Prime

Rs.2,999 plus taxes

  1. Get vouchers worth Rs.3000 as welcome gift from renowned brands, such as Pantaloons, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop and Yatra.com 
  2. Earn 10 reward points for every Rs.100 spent on dining, movies, groceries, and department stores.
  3. Earn 15 reward points for every Rs. 100 spent on online retail and landmark stores.
  4. Earn 2 reward points for every Rs. 100 spent on other retail purchases.
  5. Offers a 1.5% fuel surcharge waiver on transactions between Rs.500 to Rs.4000. 
  6. Earn 20 Reward Points per Rs.100 spent on your birthday (capped at 2,000 points per calendar year)
  1. On spending Rs.50,000 in a quarter, the card offers Pizza Hut e-voucher worth Rs.1000.
  2. Offers renewal fee waiver on spending rs.3 lakh annually.
  3. On spending Rs.5 lakh annually, the card offers an e-gift voucher worth Rs.7000 from Yatra.com or Pantaloons.
  4. Complimentary eight domestic lounge visits and four international lounge visits through Priority Pass.
  5. Up to 20% off at select restaurants via the American Express Dining Platform. 

MasterCard

  1. Get 4 free rounds complimentary green fees access; 1 complimentary golf lesson along with 50% discount on golf games monthly. 
  1. 15% discount on room rates and on F&B at Lalit Hotels.

Visa card

  1. Offers discount of 10% on Hertz car rentals.
  1. Offers discount of up to 35% on Avis car rentals.
  2. Offers exclusive perks at 900 luxury hotels worldwide.
  1. Air Accident Liability Cover of Rs.50 lakhs
  2. Credit Card Fraud Liability Cover of Rs.1 lakh (valid from 48 hours prior to reporting loss to 7 days post-reporting)

HDFC Diners Club Privilege Credit Card

Rs.1000 plus applicable taxes

  1.  Diners exclusive offers including Fast Track Airport Experience; Small Medium Enterprise (SME); Luxury Spas within India; and Dining Delight.
  2. On 20% discount on restaurant bill payment via Swiggy. 
  3. Offers four, 20, and 10X reward points on every Rs.150 spent on retail products; every Rs.150 spent on Swiggy and Zomato; and via Smartbuy, respectively. 
  4. On spending Rs.3 lakh spent in anniversary year; the card offers renewal fee waiver. 
  5. The card provides other benefits, such as Smart EMI option, contactless payment, accidental air death covers worth Rs.1 crore, credit liability cover worth Rs.9 lakh, travel insurance cover worth Rs.50,000; revolving credit; and emergency overseas hospitalization up to Rs.25 lakh. 
  6. On spending rs.1.50 lakh, the card offers vouchers of Marriott Experience, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon worth Rs.1,500. 
  7. Offers Buy 1 Get 1 Free offer movie tickets on Friday, Saturday, Sunday up to two free tickets a month and up to a maximum discount of Rs.250 per ticket. 
  8. On spending Rs.75,000 within 90 days of card issuance, the card offers complimentary annual memberships of Swiggy One and Times Prime. 
  9. Offers two complimentary lounge access per quarter.
  10. Forex markup of 3.50%.

Earn more points with Rewards Credit Cards.

Business/Corporate Credit Cards

Business credit cards are designed for companies to manage employee expenses. Valid only during employment, they can't be used for personal spending. Benefits include travel deals, hotel stays, lounge access, rewards, insurance, bill payments, and fuel surcharge waivers. Cards can feature the company’s name and may allow purchase-to-EMI conversions for easier financial management.

Some of the popular business/corporate credit cards are:

  1. SBI Platinum Corporate Credit Card
  2. SBI Signature Corporate Credit Card
  3. SBI Corporate Utility Credit Card
  4. Canara Corporate Credit Card
  5. BOB Corporate Premium Credit Card
  6. HDFC Corporate Platinum Credit Card
  7. HDFC Corporate World MasterCard Credit Card
  8. HDFC Corporate Visa Signature Credit Card
  9. HDFC Business Gold Credit Card
  10. HDFC Corporate Credit Card
  11. Kotak Corporate Platinum Credit Card
  12. Kotak Corporate Wealth Signature Credit Card
  13. Kotak Corporate Gold Credit Card
  14. HDFC Business Platinum Credit Card
  15. Axis Bank MY Business Credit Card

Manage expenses with Business Credit Cards.

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Lifestyle Credit Cards

Lifestyle credit cards cater to evolving lifestyles and incomes, offering perks like golfing, shopping, dining, and travel benefits. These cards often come with annual fee waivers, cashback on tickets, and insurance discounts. Customers earn bonus and accelerated reward points on purchases. Typically Platinum cards, they provide superior privileges for travel, shopping, dining, and luxury experiences, such as the Axis Bank Signature Credit Card with lifestyle benefits.

Entertainment Credit Cards

Entertainment credit cards are known for their amazing entertainment offers, which includes discounts, cashback or buy 1 get 1 free offers on movie ticket bookings, events, shows, etc. These cards also offer lifestyle, golf, dining, shopping and travel benefits to the cardholders. Apart from this, customers can earn rewards points on these transactions and redeem them for movie tickets, travel bookings or gift cards.

Some of the popular entertainment credit cards are:

Credit Card

Annual Fee

Key Benefit

Axis Bank My Zone Credit Card

Rs.500

  1. 100% discount on second movie ticket on purchase via District app and provides discount of Rs.200 per month. 
  1. Sony LIV premium annual subscription on first purchase within 30 days after receiving the card. 
  1. Spend Rs.1.50 lakh in anniversary year, offers renewal of Sony LIC premium membership. 
  1. Offers discount of Rs.120 on food delivery at Swiggy. 
  1. One complimentary lounge access per quarter. 
  1. Four EDGE REWARD points on every Rs.200 spent. 
  1. On minimum purchase of Rs.2,999, the card offers discount of Rs.1000 at AJIO. 
  1. Fuel surcharge waiver of 1.00%. 
  1. 15% discount at partner restaurants in India up to Rs.500 for a minimum order value of Rs.2,500. 
  1. Instant savings of up to 15% every Wednesday Axis Bank My Zone Credit Card; 10% discount on Axis Bank My Zone Credit Card; and on Tira u to Rs.1000. 

Axis Bank Neo Credit Card

Rs.250

  1. On booking movie tickets via BookMyShow the card offers 10% discount with maximum monthly benefits of up to Rs.100. 
  1. 40% on food delivery at Zomato on minimum spend of Rs.200. 
  1. Offers 5.00% discount on mobile an DTH recharge. 
  1. 10% discount on orders via Blinkit for minimum order of Rs.750 which valid once per month. 
  1. On minimum spend of Rs.999 on Myntra, the card offers discount of Rs.150. 
  1. 15% discount at partner restaurants. 
  1. One EDGE REWARD points on every Rs.200 spent using the card. 
  1. On first utility bill payment, the card offers 100% cashback up to Rs.300. 
  1. Discount of 15% on flight and hotel booking via Goibibo and Makemytrip, 10% discount via Swiggy and Amazon Fresh, and 10% discount of up to Rs.1000 via Tira. 

SBI ELITE Card

Rs.4,999 plus applicable taxes

  1. Earn 9 Maharaja points for every Rs.100 spent on Vistara flights. 
  1. Welcome benefit of e-gift voucher worth Rs.5000. 
  1. Complimentary movie ticket worth Rs.6000 per year which is up to two tickets per month. 
  1. On achieving annual spends of Rs.3 lakh and Rs.4 lakh, the card offers 10,000 bonus reward points. 
  1. Offers bonus reward points of 50,000 worth Rs.12,500. 
  1. On annual spend of Rs.7 lakh and Rs.8 lakh, the card offers 15,000 reward points. 
  1. On spend of Rs.10 lakh, the card offers annual spend waiver. 
  1. Offers fuel surcharge waiver of 1.00%. 
  1. Offers 5X and 2 reward points on Dining, Departmental stores and Grocery Spends; and on all other spends except fuel, respectively. 
  1. Offers six complimentary international airport lounge access per year. 
  1. Provides two complimentary domestic airport lounge access per quarter.
  2. Low forex markup fee of 1.99%. 
  1. Offers two reward points on every Rs.100 spent internationally. 

    MasterCard 

    1. 4 rounds of complimentary green fees access 
    1. 1 complimentary lesson per month at selected golf courses along with 50% discount on golf games. 

      Visa Card 

      1. Discount of 10% on Hertz car rental 
      1. Discount of up to 35% on Avis Car Rentals 

        American Express 

        1. Discount on dining of up to 25%. 
        1. Complimentary Tablet plus membership 

        PVR Kotak Gold Credit Card

        Rs.499

        1. Based on your spending, free movie tickets are offered along with 15% and 5.00% cashback on Food and Beverages at PVR and Movie tickets at PVR Box Office. 
        1. On spending Rs.10,000 and Rs.15,000 in a billing cycle, the card offers one and two free PVR movie tickets, respectively.  
        1. No joining fee for first year. 

        Enjoy movies and more with Entertainment Credit Cards.

        Premium/Signature Credit Cards

        Most banks offer a "Premium" or "Signature" credit card that comes with the best of lifestyle privileges. Premium credit cards are in a league of their own with exclusive privileges like flexible spending limits, premium airport lounge access, concierge services, complimentary insurance, rewards program, global assistance services, chartered yacht and flight services, surcharge waivers, retail, travel and hotel accommodation vouchers, etc. There are more options for redeeming rewards that are earned using these cards. Some of these cards offer an annual fee waiver, provided the cardholders reach a certain amount of spending.

        Some of the popular signature credit cards are:

        1. SBI Signature Corporate Credit Card
        2. IDBI Royale Signature Credit Card
        3. HDFC Visa Signature Credit Card
        4. Kotak Royale Signature Card
        5. Kotak Privy League Signature Card
        6. Kotak NRI Royale Signature Card
        7. IndusInd Bank Signature Credit Card
        8. IndusInd Bank Indulge Credit Card
        9. IndusInd Bank Pinnacle Credit Card
        10. IndusInd Bank Iconia Credit Card
        11. Axis Bank Pride Signature Credit Card
        12. Axis Bank Signature Credit Card with Lifestyle Benefits
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        Prepaid Credit Cards

        Prepaid credit cards allow cardholders to load a certain amount of money in it and use that money to make the purchases. Even though these cards do not offer a line of credit, customers can enjoy most of the privileges that are provided by the other types of credit cards. The outstanding balance is the amount that is left in the prepaid card by the customer after making a certain transaction.

        Some of the Prepaid credit cards that are offered by banks in India are as follows:

        1. Axis Bank Prepaid Credit Card

        Gold Credit Cards

        Individuals with higher income can avail a gold credit card from any bank in India. Applicants for any type of gold credit card should have a good credit score. The common features of a gold credit card are:

        1. High cash withdrawal limit
        2. High credit limit
        3. Add-on card facility for family members like spouse, parents or children
        4. Travel insurance
        5. Cashback offers
        6. Rewards program and much more

        Silver Credit Cards

        Silver credit cards can be availed by anyone who falls under a nominal salary range and has a work experience of around 4 to 5 years. It is easy for salaried employees to procure this type of credit card, provided they have a good credit history. These cards have a low membership fee and there is no interest charged for the initial 6 to 9 months, on balance transfers.

        Classic Credit Cards

        Classic credit cards come with features like global acceptance, revolving credit, cash advance, interest free credit period, rewards program, supplementary cards, insurance and a dedicated 24/7 customer care helpdesk for customers. Most classic credit cards do not carry annual fees or joining fees and are offered at low finance charges.

        The top Classic credit cards available to customers are:

        1. Canara Bank Classic Visa Credit Card
        2. PNB Global Classic Credit Card

        Titanium Credit Cards

        Titanium credit cards are premium cards that come with a load of privileges and benefits. The key feature of a Titanium credit card is the Titanium Rewards program that is offered to the customers. This rewards program includes accrual of rewards points, redemption for gifts and air miles, cashback offers, etc. Other privileges that come with any Titanium credit card are surcharge waivers, revolving credit, interest free credit period, annual fee reversals, insurance, welcome gifts in the form of vouchers from top retail brands, add-on card facility, wellness and beauty offer, lifestyle and dining benefits, etc.

        Some of the popular titanium credit cards are:

        1. Tata Titanium Card
        2. Tata Croma Titanium Card
        3. Axis Bank Titanium Smart Traveler Credit Card
        4. RBL Titanium Delight Card
        5. HDFC Titanium Times Credit Card
        6. HDFC Titanium Edge Credit Card

        Platinum Credit Cards

        Platinum credit cards are popular for their extensive benefits, including lifestyle, dining, shopping, and entertainment offers. Though they come with higher fees, they offer perks like welcome gifts, annual spend rewards, cashback, lounge access, fuel surcharge waivers, and global privileges. Cardholders also enjoy accelerated rewards, add-on cards, emergency services, and exclusive deals based on their issuing bank.

        Credit Cards for First Time Users

        Credit Card

        Annual Fee

        Key Benefit

        Axis Ace Credit Card

        Rs.499

        0 for selected channels

        1. On bill payment, DTH and mobile recharge the card offers 5.00% cashback. 
        1. Offers 4.00% and 1.50% cashback on Swiggy, Zomato, and Ola; and all other spendings, respectively. 
        1. Offers four complimentary lounge visit per calendar year within India. 
        1. Fuel surcharge waiver of 1.00%. 
        1. 15% discount at partner restaurants. 
        1. Converts transaction amount of Rs.2,500 or more into EMI. 

        SBI SimplyCLICK Credit Card

        Rs.499

        1. On online spends with partners the card offers 10X reward points. 
        1. On payment of annual fee, the card offers Amazon.in gift card worth Rs.500. 
        1. Online spends on Apollo 24x7/BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, or Yatra the card offers 10X reward points and 5X on all other online spends. 
        1. on achieving annual online spends of Rs.1 lakh and Rs.2 lakh respectively, the card offer e-voucher worth Rs.2000 each. 
        1. Fuel surcharge waiver of 1.00%. 
        1. Annual fee waiver on spending Rs.1 lakh 

        Flipkart Axis Bank Credit Card

        Rs.500

        1. On every purchase at Flipkart and Cleartrip using this card the cardholders can avail themselves of 5.00% cashback. 
        1. Unlimited 4.00% cashback on preferred merchants and 1.00% on other eligible categories. 
        1. Activation benefits worth Rs.600. 
        1. Four complimentary lounge visit to selected airports per year on minimum spend of Rs.50,000 in previous three months. 
        1. Fuel surcharge waiver of 1.00%. 
        1. 15% discount at partner restaurants. 
        1. 15% discount on flight and hotel and flight booking via Goibibo and Makemytrip; 10% on Swiggy and Amazon Fresh; and 10% up to Rs.1000 on Tira. 

        HSBC LIVE+ Credit Card

        Rs.999

        1. Cashback of 1.50% on all online spends and 10% cashback on spendings on dining, food delivery and grocery. 
        1. Rs.1000 cashback on downloading the mobile banking app and spending Rs.20,000 within 30 days of receiving the card. 
        1. Rs.100 Amazon e-gift voucher 
        1. 1.5% unlimited cashback in selected categories at home and when you are travelling abroad. 
        1. 4 complimentary domestic airport lounge visits per year. 

        HDFC MoneyBack+ Credit Card

        Rs.500

        1. 10x CashPoints on Swiggy, Reliance Smart Superstore, Flipkart, BigBasket, and Amazon. 
        1. Offers two CashPoints per Rs.150 spent on other spends. 
        1. Up to 10% discount on partner restaurants via Swiggy Dineout. 
        1. Rs.500 gift voucher on spends on Rs.50,000 per calendar quarter. 
        1. 500 Cash Points.
        1. Fuel surcharge waiver of 1.00%.
        2. Waiver of renewal fee waiver on spending Rs.50,000 and above in annual year. 

        HSBC Platinum Credit Card

        Nil

        1. For every Rs.150 that is spent, 2 Reward Points are provided. 
        1. Amazon e-gift voucher worth Rs.100. 
        1. Rs.500 cashback, on spending at least Rs.5000 in first 30 days of receiving the card. 
        1. Annual fuel surcharge waiver. 
        1. 5X the reward points on any purchase made after spending Rs.4 lakh. 

        Credit Cards for Low-Income Earners

        Credit Card

        Annual Fee

        Key Benefit

        HDFC MoneyBack+ Credit Card

        Rs.500 plus applicable taxes

        1. 10x CashPoints on Swiggy, Reliance Smart Superstore, Flipkart, BigBasket, and Amazon. 
        1. Offers two CashPoints per Rs.150 spent on other spends. 
        1. Up to 10% discount on partner restaurants via Swiggy Dineout. 
        1. Rs.500 gift voucher on spends on Rs.50,000 per calendar quarter. 
        1. 500 Cash Points 
        1. Fuel surcharge waiver of 1.00%. 
        1. Waiver of renewal fee waiver on spending Rs.50,000 and above in annual year.

        SBI SimplyCLICK Credit Card

        Rs.499

        1. On online spends with partners the card offers 10X reward points. 
        1. On payment of annual fee, the card offers Amazon.in gift card worth Rs.500. 
        1. Online spends on Apollo 24x7/BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, or Yatra the card offers 10X reward points and 5X on all other online spends. 
        1. on achieving annual online spends of Rs.1 lakh and Rs.2 lakh respectively, the card offer e-voucher worth Rs.2000 each. 
        1. Fuel surcharge waiver of 1.00%. 
        1. Annual fee waiver on spending Rs.1 lakh. 

        BPCL SBI Card

        Rs.499

        1. On fuel purchases at BPCL petrol pumps the card offers 13X reward points. 
        1. Fuel surcharge waiver of 3.25% plus 1.00%. 
        1. On payment of joining fee, the card offers 2,000 Activation Bonus Reward Points worth Rs.500. 
        1. Offers 5X and 1X reward points on spending Rs.100 at Groceries, Departmental Stores, Movies and Dining; and on non-fuel retail purchases, respectively. 

        HDFC Easy EMI Credit Card

        Rs.500 plus applicable taxes

        1. On every purchase at Amazon, Flipkart, flight & hotel bookings on shopping via PayZapp and SmartBuy the card offers cashback of 5.00%. 
        1. Offers 2.5% cashback on all online spends. 
        1. Offers 1.00% cashback on all offline spends and Wallet reloads.  
        1. Auto conversion in easy EMI of nine months for all transactions of Rs.10,000 and more. 
        1. Fuel surcharge of 1.00%. 
        1. On spending of Rs.1 lakh and above in calendar year, the card offers gift voucher worth Rs.1000. 
        1. 500 cash points as welcome benefit. 
        1. First year membership fee waived off, on spending Rs.20,000 and more in first 90 days. 
        1. Waiver on the renewal membership fee, on spending Rs.50,000 and more in first year. 

        Note that no new application is acceptable for EastEMI credit card. 

        Shopping Credit Cards

        Credit Card

        Annual Fee

        Key Benefit

        Axis Ace Credit Card

        Rs.499

        0 for selected channels 

        1. On bill payment, DTH and mobile recharge the card offers 5.00% cashback. 
        1. Offers 4.00% and 1.50% cashback on Swiggy, Zomato, and Ola; and all other spendings, respectively. 
        1. Offers four complimentary lounge visit per calendar year within India. 
        1. Fuel surcharge waiver of 1.00%. 
        1. 15% discount at partner restaurants. 
        1. Converts transaction amount of Rs.2,500 or more into EMI. 

        Flipkart Axis Bank Credit Card

        Rs.500

        1. On every purchase at Flipkart and Cleartrip using this card the cardholders can avail themselves of 5.00% cashback. 
        1. Unlimited 4.00% cashback on preferred merchants and 1.00% on other eligible categories. 
        1. Activation benefits worth Rs.600. 
        1. Four complimentary lounge visit to selected airports per year on minimum spend of Rs.50,000 in previous three months. 
        1. Fuel surcharge waiver of 1.00%. 
        1. 15% discount at partner restaurants. 
        1. 15% discount on flight and hotel and flight booking via Goibibo and Makemytrip; 10% on Swiggy and Amazon Fresh; and 10% up to Rs.1000 on Tira. 

        Amazon Pay ICICI Credit Card

        Nil

        1. On every Rs.100 spent on Amazon, the card offers 5X, 3X, and 2X reward points to prime members, non-prime members and more than 100 partner merchants.
        1. Fuel surcharge waiver of 1.00%. 
        1. Offers dining discounts. 

        HDFC Millennia Credit Card

        Rs.1,000 plus applicable taxes

        1. Get 5% cashback on purchases made through Amazon, Myntra, Flipkart, Tata CLiQ, BookMyShow, Cult.fit, Sony LIV, Swiggy, Uber, and Zomato, plus 1% cashback on all other spends (excluding fuel, wallet, EMI, and government transactions). 
        1. On spending of Rs.1 lakh and above in each calendar quarter, the card offers Rs.1000 worth gift voucher. 
        1. Discount of up to 20% partner restaurants via Swiggy Dineout. 
        1. Fuel surcharge waive of 1.00%. 
        1. On payment of membership fee, the card offers reward points worth the fee amount. 
        1. Renewal membership fee waived off on spending Rs.1 lakh or more in preceding year. 
        1. Other benefits of zero lost card liability, interest free period of 50 days, dining privileges, and revolving credit. 

        SBI SimplyCLICK Credit Card

        Rs.499

        1. On online spends with partners the card offers 10X reward points. 
        1. On payment of annual fee, the card offers Amazon.in gift card worth Rs.500. 
        1. Online spends on Apollo 24x7/BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, or Yatra the card offers 10X reward points and 5X on all other online spends. 
        1. On achieving annual online spends of Rs.1 lakh and Rs.2 lakh respectively, the card offer e-voucher worth Rs.2000 each. 
        1. Fuel surcharge waiver of 1.00%. 
        1. Annual fee waiver on spending Rs.1 lakh. 

        Love shopping? Find the Best Shopping Credit Cards.

        Airline Credit Cards

        Credit Card

        Annual Fee

        Key Benefit

        Air India SBI Signature Credit Card

        Rs.4,999

        plus taxes

        1. Offers complimentary domestic Visa airport lounge access and international airport lounge access with Priority Pass Program. 
        1. On payment of joining fee, the card offers 20,000 reward points as welcome benefit. 
        1. On every Rs.100 spent, customers will earn 4 reward points. 
        1. Offers bonus reward points of 1 lakh annually. 
        1. Offers anniversary gift of 5,000 Reward points every year. 
        1. 10 reward points will be awarded for on all Air India ticket purchases made through the Air India website, mobile app, booking offices & call centers. The benefit is available for tickets purchased both for self and for others. 
        1. Offers a 1.00% fuel surcharge waiver. 

        RBL Bank World Safari Credit Card

        Rs.3,000

        Plus GST (Goods and Services Tax)

        1. On every Rs.100 spent on all the domestic retail transactions and for every Rs.100 spent on travel expenditure the card offers two and five travel points, respectively. 
        1. MakeMyTrip voucher worth Rs.3,000 as a welcome gift. 
        1. Zero markup on all foreign currency transactions. 
        1. Reward points of 10,000 and 15,000 on spending Rs.2.50 lakh and Rs.5 lakh in membership year. 
        1. Offers voucher worth Rs.10,000 on spending Rs.7.50 lakh or more in membership year. 
        1. Complimentary Priority Pass membership. 
        1. Two complimentary lounge visits every calendar quarter at major domestic and international terminals across India. 

        Axis Bank Vistara Signature Credit Card

        Rs.3,000

        1. Per Rs.200 spent across eligible categories the card offers four Maharaja points. 
        1. Offers complimentary premium Economy Class ticket voucher on payment of fees. 
        1. Offers privileges of complimentary Maharaja Club Silver Membership. 
        1. Provides bonus Maharaja points and up to four premium Economy Class ticket voucher on achieving Milestone eligible spends. 
        1. Two complimentary domestic airport lounge access. 
        1. Purchase protection coverage of up to Rs.1 lakh. 
        1. Offers EMI facility for transactions above Rs.1,500 made using this card. 
        1. Discount of 15% on flight and hotel bookings via Goibibo and Makemytrip; 10% on Swiggy and Amazon Fresh; and 10% on orders via Tira. 

        HDFC Diners ClubMiles Credit Card

        Rs.1,000 plus applicable taxes

        1. On every Rs.150 spent four reward points are offered by the card. 
        1. Redeem reward points for booking Air Tickets / Hotels 
        1. 6 complimentary lounge access. 
        1. Up to 15% discount or other benefits at the finest restaurants. 
        1. Offers air accident cover; emergency medical expense cover; credit liability cover; and travel insurance cover of Rs.1 crore, Rs.25 lakh, Rs.9 lakh, and Rs.50,000, respectively. 
        1. The renewal fee will be waived off on spending Rs.1 lakh. 

        Fly smarter with Airline Credit Cards.

        Secure Credit Cards

        Credit Card

        Annual Fee

        Key Benefit

        SBI Card Unnati

        Rs.499 (which is waived off for first four years)

        1. On every Rs.100 spent the card the card offers one reward point.
        2. Fuel surcharge waiver of 1.00%
        3. On achieving annual spending of Rs.50,000 or more, the card offers Rs.500 cashback.
        4. The card is issued in lien with FD of Rs.25,000 or more held with SBI. 

        Kotak 811 #DreamDifferent Credit Card

        Nil

        1. Earn 4 reward points for every Rs. 100 spent online and 1 reward point for every Rs. 100 spent on other purchases. 
        1. Milestone benefit of up to Rs.1000 worth Amazon voucher on spending Rs.72,000 in a year. 
        1. For Visa variant, on a spend of Rs.75,000 in a year the card offers cashback of Rs.750. 
        1. Fuel surcharge waiver of 1.00% and railway surcharge waiver of 1.80%. 
        1. Other benefits of interest free cash withdrawal, add-on card, and balance transfer.

        ICICI Bank Instant Platinum Credit Card

        Nil

        1. Waiver of 2.50% fuel surcharge on fuel purchase at HPCL petrol pumps. 
        1. On every Rs 100 spent except on fuel purchases, the card offers two ICICI reward points. 
        1. On purchase of minimum two tickets up to two times in a month through BookMyShow website, the card offers 25% discount of up to Rs.100. 

        Build credit with Secured Credit Cards.

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        FAQs on Different Types of Credit Cards in India

        • What is the meaning of a 'secured' credit card?

          A secured credit card is given against an asset you own, like a Fixed Deposit. It’s a good option if you don’t qualify for a regular (unsecured) credit card. Many top banks in India offer these cards against FDs.

        • How can I earn and use reward points on my credit card?

          Every time you swipe your credit card, you will earn reward points. Your accumulated reward points can always be redeemed for merchandise, direct statement credit or gift vouchers. A few credit cards will offer extra rewards on your grocery expenses while other credit cards would offer more rewards when you book your flight ticket or book a room at a hotel.

        • Can I withdraw cash from an ATM using a credit card?

          Yes, you can withdraw cash from an ATM using your credit card, this is called a ‘cash advance’. You can only take out a portion of your credit limit. Keep in mind, it comes with extra fees and a higher interest rate than using a debit card.

        • Do all credit cards come with a joining fee and annual fee?

          No, all credit cards do not come with an annual fee or/and a joining fee. A few basic credit cards do not have any annual fee or joining fee. All credit cards that come with an annual fee offer more benefits than a credit card that comes with no annual fee or joining fee.

        • Will my credit card issuer charge interest for the non-payment of the bill?

          Yes, the interest rate will be on the balance that you owe. Most interest rates on credit cards start at 18% and could do up to 45% annually.

        • Can you explain the features of a premium credit card in the Indian market?

          Features of a premium credit card in India include high credit limits, generous rewards, airport lounge access, travel insurance, concierge service, exclusive offers, foreign exchange benefits, golf access, dining and entertainment perks, lifestyle benefits, personalized customer support, and higher annual fees.

        • How do secured credit cards function in India, and who are they suitable for?

          Secured credit cards in India require a security deposit, which determines the credit limit. They are suitable for individuals with low or no credit history or those looking to rebuild their credit. The security deposit reduces the risk for the card issuer. Cardholders use the card like a regular credit card and make payments, which can positively impact their credit score over time.

        • What are the advantages of using a co-branded credit card in India?

          Advantages of using a co-branded credit card in India include specialized rewards, enhanced discounts, loyalty points, travel benefits, accelerated earnings, priority services, and potential annual fee waivers with partner brands.

        • Are there any specific credit cards designed for students in India?

          Yes, there are credit cards designed specifically for students in India. These cards typically have lower credit limits and are tailored to the financial needs of students. They often come with features such as cashback on student-related expenses, no annual fees, and are accessible to individuals with limited or no credit history.

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