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Credit Cards for all your needs.
Compare & Apply for the Best Credit Cards Online. 99Creds helps you find the best credit cards available in India basis on their categories, annual fees, and renewal fees. You can compare them and choose what suits you the best, depending on your need and budget.
How It Works
Check Eligibility
Fill the basic information to check your credit card eligibility
Select a Credit Card
Choose a Credit Card which best suits your needs and lifestyle.
Get Approved Instantly
Fill in bank related additional details & get your credit card
Trending Credit Card
Platinum Aura Edge Visa Credit Card
Indusind Bank
- Travel Insurance
- –
Annual Fee: NiL
Save More On: Travel, Lifestyle, Dining and Shopping
Joinnig Fee : Rs.500
Instant Approval
BPCL SBI Card OCTANE
SBI
- 6000 Reward Point as a Welcome benefit Worth In
- Get 25X reward points on BPCL Fuel,Lubricants & BI
Annual Fee: Rs. 1499 + GST
Save More On: Travel & Fuel
Joinnig Fee : Rs. 1499 + GST
Instant Approval
IRCTC SBI Card Premier SBI
SBI
- 6000 Reward Point as a Welcome benefit Worth In
- Get 25X reward points on BPCL Fuel,Lubricants & BI
Annual Fee: Rs. 1499 + GST
Save More On: Travel & Fuel
Joinnig Fee : Rs. 1499 + GST
Instant Approval
Legend Credit Card
Indusind Bank
- Accelarated Rewardpoints on weekend spends
- fuel surcharge waiver of 1%
Annual Fee: Nil
Save More On: Lifestyle, Dining, Rewards, and Travel
Joinnig Fee : Rs.5,000
Instant Approval
Regalia Credit Card
HDFC
- Luxurious Indulgences ready for you
- 4 reward points for every Rs. 150 spent
Annual Fee: Rs. 2500/- + Taxes.
Save More On: Reward Points
Joinnig Fee : Rs. 2500/- + Taxes.
Instant Approval
Millennia Credit Card
HDFC
- The Best cashback Credit card
- 8 Complimentary Domestic Airport Lounge access
Annual Fee: ₹1,000/- + Taxes
Save More On: Best CashBack Credit Card
Joinnig Fee : ₹1,000/- + Taxes
Instant Approval
MoneyBack+ Credit Card
HDFC
- The most Rewarding Card for everyday spends
- Gift vouchers Worth upto ₹2000 annually
Annual Fee: ₹500/- + Applicable Taxes
Save More On: Most Rewarding Card
Joinnig Fee : ₹500/- + Applicable Taxes
Instant Approval
Platinum Visa Credit Card
Indusind Bank
- Premium lifestyle privileges like gold lessons, concierge services etc.
- The best of Travel privileges and fuel benefits.
Annual Fee: Nil
Save More On:Travel and Lifestyle
Joinnig Fee : Rs.3,000
Instant Approval
Credit Card Overview
A credit card is a handy way to meet immediate expenses when you are low on cash flow. A credit card gives you access to funds for any purchase or expenses based on your limit. Following this, you get a month to make repayments towards the used up limit.
Credit cards are also convenient for both online and offline transactions. You do not have to worry about carrying cash with you anymore. Not just that, you can enjoy several perks and benefits with every spend.
Features & Benefits of a Credit Card
| Welcome Gift | Many banks offer a welcome gift to new credit card applicants once the card is issued to them in the form of bonus reward points, vouchers, discounts, etc. |
| Rewards Program | All credit cards generally have 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 benefits to the customers. |
| Lifestyle Benefits | Cardholders can enjoy various lifestyle benefits on their credit cards, such as offers on dining, shopping, wellness, entertainment, etc. |
| Travel Benefits | Travel benefits of credit cards include air miles, airport lounge access, travel insurance, airline offers, hotel offers, etc. |
| Airport Lounge Access | Some credit cards offer complimentary airport lounge access to cardholders. The offer varies from one bank to another. |
| Add-on Cards | Many banks allow their credit cardholders to apply for add-on credit cards for their immediate family members. |
| Insurance Coverage | Some premier cards provide a comprehensive insurance policy that provides coverage against air accidents, life, lost baggage, lost card, outstanding, etc. |
| Balance Transfer | Credit cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank. |
| Global Acceptance | Today, most credit cards that are issued in India are international credit cards and are accepted by various merchants all over the world. |
| EMI Conversion | The feature allows the credit card members to convert their credit card transactions into easy monthly instalments (EMIs). |
| Credit Score | Owning a credit card helps you build a healthy CIBIL score. By making timely payments on your card and in full, you receive a positive credit score for credit bureau, CIBIL. |
Credit Card Eligibility
| Eligibility Criteria | Requirement |
| Nationality | Indian |
| Age | 18 years |
| Employment status | Salaried or Self-employed |
| Income | Depends on one bank to the other |
| Credit Score | Good credit score (700 and above) |
Which is the Best Credit Card for You?
- Your spending pattern: Your monthly spending pattern is a significant factor in choosing the right credit card.
- The reward type: Credit cards offer rewards in terms of cashback, rewards points & air miles.
- Fees and charges: Compare the interest rate on different cards and the fees and charges that apply.
- Offers on the card: Some cards have great offers and discounts when you use them to shop on a particular website or when you use it in a specific store.
- Welcome bonus or gift: Some banks offer welcome gifts and joining bonuses on applying for a credit card. Gifts could be the latest gadget or bonus points and miles.
- Payment options: Most cards will allow you to make payments via multiple channels.
How to Apply for a Credit Card?
You can apply for a credit card, both online and offline. Due to the COVID-19 pandemic, the credit card application process has been digitized, making it simpler and faster.
The Process to Apply for a Credit Card Online
You can Compare & Apply for a Credit Card on 99Creds by Following 4 Simple Steps:
Step 1: Compare credit card offers.
Step 2: Select from the top cards offered by leading Indian banks.
Step 3: Check your eligibility by entering a few personal details.
Step 4: Enjoy instant approval online after filling out your application form.
How to Use a Credit Card?
The following are some of the important tips on how to use a credit card:
- Use the right card for the right purchase
If you have more than one credit cards, ensure you are using the right one based on your needs. For instance, use a travel credit card if you spend a considerable part of your income on travel such as booking flight tickets, hotels, and more. This way you can earn reward points.
- Pay the bills into EMIs
One of the best ways to use credit cards is converting your purchases into EMIs and repay the bills as per your convenience.
- Opt for a personal loan during emergencies
Many lenders allow its credit card users to convert their unutilized credit limits into personal loans at a nominal interest. This helps credit card users to meet their urgent needs in no time.
- Shop online using reward points
Credit cards offer 2x reward points when you purchase online.
- Redeem your reward points
Banks allow its credit card users to redeem their reward points to get discounts on hotel bookings, flight tickets, etc. These reward points provide exclusive shopping vouchers, cashbacks and recharge voucher to the users.
Tips for Using Contactless Credit Cards
- Always keep a check on the breakdown of all your contactless payments. This way, you can keep track of all your transactions and escalate any unusual activity.
- If you need to initiate the payment on your own, make sure to hold the credit card flat on the payment area or the terminal.
- Try to keep your contactless credit card in your wallet at all times. Most contactless credit cards do not require you to remove it from the wallet.
Credit Card Statement
A Credit card statement or (credit card bill) is generated every 30/31 days. The bill generation date depends on the date on which the card is first issued, and the same date will be followed for the subsequent months.
Besides the bill amount, which is also called the outstanding amount on the card, the statement also provides a detailed history of all the transactions conducted during the billing period.
It also reflects the total credit limit, available credit limit, cash limit, due date, and other related information. The statement is typically mailed to the cardholder’s registered e-mail address every month. However, if the total outstanding balance is less than a certain cut-off, say Rs. 200, no statement will be generated.
What is a credit card limit?
Every Credit Card has a revolving credit limit beyond which you cannot make any transaction. Banks approve these limits based on your eligibility. You cannot use the card for amounts exceeding your limit. The banks review the limits at the time of renewal. Based on the usage and repayment history, banks can enhance or reduce the limit.
What is an Add on Credit Card?
The Add-On Credit Card is an additional credit card issued to the immediate family members of the principal applicant. The Add-On cards do not have any separate limits. Family members can use this card independently but within the limits of the primary Credit Card.
What is the credit card interest rate?
Every card has an interest-free period depending on the billing cycle and the due date for repayment. Usually, it is around 20 days to a maximum of 52 or 55 days. If you make the full payment on or before the due date, there is no interest. However, if you make a part-payment, the balance amount will attract interest. These credit card interest rates vary from bank to bank. Usually, it is in the range of 3% to 3.5% per month.
What is the difference between a debit card and credit card?
Debit cards enable spending money by drawing on funds you have deposited at the bank whereas credit cards allow you to borrow money from the card issuer up to a specific limit to purchase items or withdraw cash. Money is instantly deducted from your savings account if you transact with a debit card whereas in case of a credit card, you transact now and pay later on or before the due date.
Best Credit Cards in 99Cred
Here is the list of best credit cards available in India basis on their categories, annual fees, and renewal fees. You can compare them and choose what suits you the best, depending on your need and budget.
| # | Credit Card Type | Category | Annual Fee | Joining Fee |
|---|---|---|---|---|
| 1 | BPCL SBI Card OCTANE | Travel & Fuel | Rs. 1499 + GST | Rs. 1499 + GST |
| 2 | IRCTC SBI Card Premier | Travel & Fuel | Rs. 1499 + GST | Rs. 1499 + GST |
| 3 | MoneyBack+ Credit Card | Most Rewarding Card | ₹500/- + Applicable Taxes | ₹500/- + Applicable Taxes |
| 4 | Regalia Credit Card | Reward Points | Rs. 2500/- + Taxes. | Rs. 2500/- + Taxes. |
| 5 | Millennia Credit Card | Best CashBack Credit Card | ₹1,000/- + Taxes | ₹1,000/- + Taxes |
| 6 | Legend Credit Card | Lifestyle, Dining, Rewards, and Travel | Nil | Rs.5,000 |
| 7 | Platinum Visa Credit Card | Travel and Lifestyle | Nil | Rs.3,000 |
| 8 | Platinum Aura Edge Visa Credit Card | Travel, Lifestyle, Dining and Shopping | Nil | Rs.500 |
Documents Required to Apply for a Credit Card
| Identity Proof – Any one |
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|---|---|
| Address Proof – Any one |
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| Proof of Income – Salaried |
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| Proof of Income – Self-employed |
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| Other credit card documents |
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What are the charges for withdrawing cash using my credit card?
Almost all Credit Cards have a cash withdrawal limit. You can withdraw instant cash up to the limit from any ATM. Banks charge a cash withdrawal fee on every withdrawal, which can range anywhere between 2.5% to 3.5% of the amount withdrawn. This cash advance facility attracts interest from day 1.
Learn More About Credit Card
- UNI Credit Cards
- SBI Credit Card
- HDFC Credit Card
- Citibank Credit Card
- Bajaj Finserv Credit Card
- Axis Bank Credit Card
- Yes Bank Credit Card
- Kotak Credit Card
The banks review the limits at the time of renewal. Based on the usage and repayment history, banks can enhance or reduce the limit.
Every card has a CVV (Card Verification Value) number written on the reverse side of the card. It is usually a 3-digit number. American Express cards have a 4-digit CVV number embossed on the face of the card. The CVV number is an anti-fraud security feature.
Yes. Visa and Mastercard are widely accepted worldwide. However, it is better to ask your credit card provider about global acceptance of the card and bring a widely accepted credit card.