Best Credit Cards In India

How To Get The Best Credit Cards In India ?

Picking the right Credit card is fundamental when Inflation is eating into your cash, and spending carefully is the best way to try not to consume a more profound opening in your wallet. Utilizing a Credit Card for vacations to regular buys may help you save more and spend more intelligent. These are only a couple of instances of discounts on travel and hotel reservations, cash back on web buys, and reward focuses for gas buys.

As per research by the RBI and PwC, the Indian Credit card market has developed at a build yearly development rate (CAGR) of 20% over the past 5 years. With May 2022 seeing the most elevated at any point complete Credit card consumption.

The Credit card business' development is being filled by variables, for example, the hyper-personalisation of Credit cards, energizing prizes and faithfulness programs. Likewise, with expanded utilization of innovation, the development of Credit card plans of action, and the premium of the Gen-Z age in the business, as most would consider to be normal to assume a part in additional reinforcing the Credit card market in India.

Things you should keep in your mind while choosing a Credit Card

Everybody accepts that understanding the qualities and benefits of the card is an adequate motivation to apply for it. In any case, prior to applying, you ought to assess your requirements and objectives for utilizing the Credit Card. There are numerous objectives for using a Credit Card, so you should initially decide why you are applying for the card.

Need a Credit Card to Increase Your CIBIL Score

Many people use credit card to fix their bad credit history i.e. CIBIL Score so that they can take various types of loans in future.

Earn Cashbacks, Rewards Points and Discounts

Most credit cards give discounts, cashback offers or rewards points on shopping, booking tickets, filling petrol and diesel, and many other activities. If you also want to take advantage of these facilities, then you can also apply for a credit card.

For Large Transactions 

If you want to buy expensive things but you are short of money, then credit card can fulfill that shortfall. You can choose credit cards with high limits.

EMI Benefit on Credit Cards

One of the benefits of credit cards is that you can buy many things on EMI as well, but keep in mind that no additional interest is charged in it.

Some Things You Need To Know While Choosing a Credit Card

Annual Fees and Other Charges

If you are taking a credit card for the first time, then definitely check the annual fee and renewal fee. It might be ideal in the event that you additionally met the circumstances for deferring the yearly and restoration costs. The necessities for deferring off are completely subject to your ways of managing money. Thus, dissecting your expenses prior to choosing a Credit Card is a predominant procedure.

Consider The Other Charges 

• Late Payment Penalties
• Fees for Cash Advances
• GST Interest Rates on the Outstanding Balance
• Fees For Foreign Currency  Mark up
• Cash Withdrawal Fees
• Mobile Alert Fees
• Balance Enquiry Fees 
• Charges For Duplicate Statements

Credit Card Limit: Every credit card has its own credit limit which is decided according to the income of the person. While taking a credit card, check the credit card limit according to your income.

Different Categories: Different credit cards are available for different categories. If you are fond of traveling, then you should take a vacation card. If you are fond of shopping, then there are many types of cards available for that. Look Below 👇👇

Category 

• Lifestyle Credit Cards
• Travel And Fuel Credit Cards 
• Business Credit Cards
• Shopping Credit Cards
• Professionals Credit Cards
• Rewards Credit Cards

Discounts/Cashback

• Points for Reward
• Waiver of Fuel Surcharge

I hope you have understood the things that I have told you related to credit cards and when you apply for a credit card, you will definitely take care of these things and choose an ideal credit card for yourself.

3 Best Credit Cards in India ✅

For your convenience, I have come up with 3 credit cards with great features. Below are the details of 3 credit cards, so what are you waiting for, click on the name of the credit card you want and apply for the best credit card for yourself. 👇👇👇👇

Axis Bank Credit Card  👈 Click here

Benefits:

✔ Choose from multiple Credit Cards to suit your lifestyle.

✔ Complimentary airport lounge access ( some variants ).

✔ Exciting rewards and cashback benefits.


☉ Special Service

    Amazon Gift voucher worth Rs.250, Zomato Voucher worth Rs.200, Blinkit and            Pharmeasy 6 months subscription on 1st spend within 30 days.

☉ EDGE REWARDS points
    

    1 point with every Rs.200 spent

☉ Top Features

    Discounts on Zomato, Blinkit, Myntra, Bookmyshow etc.

Requirements:

✔ Age: 21-60 years

✔ Customers with good Cibil Score

✔ Self employed customers with Zero Cibil score. No credit history are not eligible.

✔ Income Criteria:

- salaried with Good Cibil score - Income above 15,000 per month.

- salaried with Zero Cibil score - Income above 25,000 per month.

- Self Employed with Good Cibil Score - Income above 30,000 Per month.

- Self Employed with Zero Cibil score. No credit history - Not allowed.

✔ Document Required - PAN, Aadhaar, Income Proof.

SBI Credit Card 👈 Click here

Benefits:

✔ Get SBI simply save credit card at an annual fee of just Rs.499 + GST

💰Welcome Benefits: Get 2000 bonus reward points worth Rs.500 on spending Rs.2000 in 60 days.

🛒10x Rewards Points on grocery shopping. dining & movies ( 4 Rewards points = rs.1 )

⛽Fuel Surcharge Reversal up to Rs.100 per month ( on fuel bill between Rs.500 to Rs.3000 )

✔ Annual membership fee is reversed from next year if total spend is more than Rs.1 lakh in the previous year

💳Free add on card for family members

Requirement:

1. Age above 23 years
2. Only Salaried employees with monthly salary above Rs.25000
3. Credit Score: 700+
4. Document Required -  PAN, Aadhar, Income Proof

STANDARD CHARTERED Credit Card 👈 Click here

Benefits:

🕓 Fast and digital application process

🛒 Enjoy discounts and offers on dinning, shopping

 ✔  Kuch bhi on EMI - Pay in installments

🎁 Earn reward points on every spend

✈ Get free airport lounge access (based on card variant)

Requirement:

1. Age: 21-65 years
2. Only for salaried employees with annual salary above 3 lakh
3. Government employees can also apply (will require TAN no/form 16)
4. Cibil Score above 700 , with no negative remarks/ no payment miss
5. Only for specific pin codes. Please check customer pin code before applying