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Overview

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Credit cards offer a convenient and secure way to access funds. This is especially useful for making big-ticket purchases without dipping into your savings. Naturally, credit cards are much safer to carry than cash. In fact, they also have stronger fraud protection mechanisms than debit cards.

With a credit card, you can spend up to a limit prescribed by your credit card provider. After you make a payment, you usually get 45 to 50 days to repay the borrowed amount. This makes credit cards one of the easiest ways to purchase items that can otherwise be out of your budget. With this plastic card, you also earn excellent rewards and discounts when you spend. And no, using a credit card doesn’t mean you have to sink into debt. Use your card responsibly to quickly build a good credit history and live a financially stable life.

While all credit cards come with assorted privileges and rewards, not all cards are created equal. Choosing the right credit card is not always straightforward. From a variety of features to hidden charges, you need to know exactly what’s on offer. With proper research, you can pick a credit card that works the best for your needs.

With Finbros Capital Advisory’s expert end-to-end guidance, you can select the best credit cards in India. In association with our channel partners - some of the top banks in the country - we bring you the most rewarding credit cards that improve your financial life.

Whether you are looking for the lowest annual fee for credit card or confused about the application process for credit cards, we are here to help you. Enjoy a bouquet of perks and rewards on every spend!

Benefits and Features

EMI
conversion :

The EMI conversion option is one of the best features of credit cards. If you make a big-ticket purchase, you can repay the amount in comfortable EMIs.

Attractive
Rewards :

Various credit cards come with unique lifestyle and travel benefits like retail cashbacks, discounts on travel, hotel offers, air miles, airport lounge access, dining and entertainment offers. Find the best rewards on credit cards in India with us.

Surcharge
waivers :

Some credit card providers offer exclusive surcharge waivers to cardholders who spend a specific amount on fuel payments monthly. Find the best credit card for fuel in India at Finbros Capital Advisory.

Personal loan
facility :

If you are in need of urgent funds, you can use the personal loan facility on your credit card. Your credit card provider will offer this loan based on your spending patterns and repayment track record.

Boost credit
score :

If you have started your financial journey recently, credit cards can help you build and improve your credit score. Use your credit card responsibly and pay all your dues on time to boost your credit score.

Insurance
cover :

Some credit card providers provide comprehensive insurance coverage on lost cards, air accidents, lost baggage, etc. Instead of paying hefty premiums, you can enjoy high coverage with the best credit cards in India.

ATM
withdrawals :

You can use your credit card to withdraw cash from an ATM by paying a nominal fee. This makes your plastic card an excellent tool for enjoying liquidity in times of need.

Accepted
worldwide :

Some of the best credit cards in India are international credit cards. You can use them to make payments in foreign currency or withdraw cash when travelling abroad. Enjoy the most rewards and benefits on your credit card with Finbros Capital Advisory’s partner network.

Types of Credit Cards

One of the best cashback credit cards in India are shopping credit cards. These are designed to give you the most attractive cashbacks and discount vouchers on your shopping spend. Just swipe your credit card on your next shopping spree to enjoy incredible cashbacks and discounts.

Most rewards and benefits credit cards allow you to earn reward points every time you make a purchase. You can redeem these points when you pay credit card bills or to enjoy discounts on online and offline purchases.

With fluctuating fuel prices, your monthly budget can quickly go off balance. Bid adieu to fuel surcharges for good with the best credit cards for fuel in India. Save on not just fuel but also other purchases on your credit card!

Don’t want to pay an annual fee, monthly fee or one-time membership fee? If yes, then free lifetime credit cards are for you. Entirely safe and secure to use, these cards allow you a seamless shopping experience without any fees or maintenance charges.

Don't have a good credit score but need a credit card? You can qualify for a secured credit card. These type of credit cards are backed by collateral. Customers can open any kind of cash deposit in favour of the channel partner to use this card.

Credit Cards with Rewards and Annual Fees

We offer the following credit cards (and more) in partnership with top banks in India.

Name

Rewards

Annual Fees

Millennia Credit Card

Earn up to Rs 2250 cash back every month

Get 5% cashback up to Rs 750 every month on PayZapp and SmartBuy transactions

Receive 2.5% cashback up to Rs 750 every month on online transactions. Conditions apply.

Get 1% cashback up to Rs. 750 per month on all other spends including wallet transactions

Earn 1% fuel surcharge waiver up to Rs. 250 every payment cycle

Get up to 8 complimentary domestic lounges every calendar year

Accrue cashback as cash points which can be redeemed. 1 rupee earned from cashback converts as 1 reward point

Rs 1000 plus taxes

IndianOil HDFC Bank Credit Card

Earn 5% of spends as fuel points at Indian Oil fuel bunks (up to 250 fuel points every month for 6 months and then max 150 fuel points per month after first 6 months)

Earn 5% of spends as fuel points when shopping for groceries and paying utility bills (up to 100 fuel points per month)

Get 1 fuel point for every Rs. 150 spent on other purchases

Redeem collected fuel points for free fuel with the IndianOil XTRAREREWARDS Programme where you convert fuel points into XRP points which can be redeemed at participating outlets. (1 fuel point = 3 XRP = Rs 0.96)

Get fuel point redemption against cashback and on rewards (1 fuel points = Rs 0.20)

Rs 500 plus taxes

MoneyBack Credit Card

Get 4 reward points for every Rs. 150 spent online (max 500 points every statement cycle)

Get 1% fuel surcharge waiver up to Rs. 250 per statement cycle

Receive 2 reward points for every Rs 150 spent

Receive gift vouchers up to Rs. 2000 every year

Redeem reward points against SmartBuy (flights and hotels) and cashback (100 reward points = Rs. 20)

Rs 500 plus taxes

InterMiles HDFC Bank Signature Credit card

Receive welcome benefit of up to 8,000 InterMiles and earn 6 InterMiles per every Rs.150 spent

Get InterMiles Silver tier membership for first year

Get 2X InterMiles for flights booked on www.intermiles.com & hotel booked via Interbook.intermiles.com

Get 16 Complimentary Domestic & 5 free International Lounge Access

Get flight and hotel discount vouchers worth Rs. 750 and Rs. 2000 for the first year.

Avail 5% and 10% discount on Etihad Airways Economy and Business Class tickets booked on Intermiles website and app

Get Dineout passport membership that offers 35% off on select restaurants (conditions apply)

Rs 2500 plus taxes

InterMiles HDFC Bank Platinum Credit card

Get welcome benefit of up to 3,000 InterMiles and earn 4 InterMiles per every Rs.150 spent

Earn 2x InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com

Get Rs. 1500 worth flight & hotel discount vouchers*

Get 8 complimentary domestic Lounge Access through the VISA Lounge Programme

Avail 5% discount on Etihad Airways Economy Class tickets booked through the Intermiles website and app.

Get Dineout passport membership that offers 35% off on select restaurants (conditions apply)

Rs 1000 plus taxes

Regalia

Earn 4 reward points for every Rs 150 spent

Earn 5% cashback on travel and Amazon spends on SmartBuy

Earn 10,000 rewards points on annual spends of Rs 5 lakhs per year.

Get 12 complimentary domestic lounge access through VISA/ Master Lounge Access Programme

Get 6 complimentary international lounge access using complimentary Priority Pass

Get complimentary Dineout Passport membership on spends of Rs. 75000 every year

Get low currency markup fee of 2% on international transactions

Get 1% fuel surcharge waiver up to Rs. 500 per billing cycle

Rs 2500 plus taxes

Business Regalia

Get up to 50 days interest free credit period on all purchases

Get 4 reward points for every Rs.150 spent

Get complimentary 6 international + 12 domestic airport lounge visits annually

Receive 5% cash back on telecom, electricity, railway, hotel, dining and taxi spends

Get double cashback on business essentials for current account holders (capped at Rs. 500 per month)

Get PoS rental reversal up to Rs. 1000 based on spends criteria

Get 15,000 bonus reward points on annual spends of Rs. 5 lakhs

Get 25% discount on dining bills along with complimentary Dineout Passport membership on spends worth Rs 75,000 in one calendar year

Get term loan eligibility for business purposes

Get fuel surcharge waiver of 1% between billing of Rs. 400 and Rs. 2000 (Maximum surcharge waiver of Rs 250 allowed per statement) No lost card liability and get emergency card replacement

Rs 2500 plus taxes

Infinia Credit Card

Get complimentary Club Mariott membership offering up to 20% discount on dining and stay at participating Mariott hotels within the Asia Pacific region.

Complimentary airport lounge access across the globe through the Priority Pass membership for both primary as well as add-on card holders

Complimentary and unlimited gold games with coaching at some of the best golf courses across the globe

Enjoy global personal concierge services 24x7

Get free Dineout Passport membership for 12 months and an additional 15% off on bill payments via Dineout Pay

Receive comprehensive protection of Rs. 3 crores air accidental cover and Rs. 50 lakhs emergency overseas hospitalization cover.

Rs 12,500 plus taxes

Business MoneyBack Credit Card

Earn 4 reward points on all e-commerce spends and 2 reward points on all PoS spends, except fuel where 1 reward point = Re 0.2

Get up to 50 days of credit free period

Earn 5% cashback on business essentials like utility, telecom, government and tax payments (capped at Rs. 250 per month on a minimum spend of Rs. 10,000)

Get double cashback on business essentials for current account holders (capped at Rs. 500 per month)

Earn 5X reward points on fuel (up to Rs. 1000 per month)

Get PoS rental reversal up to Rs. 1000 based on spends criteria

Earn 2500 bonus rewards points on annual spends of Rs. 1.8 lakhs

Get 25% discount on dining bills along with complimentary Dine Out Passport membership on spends worth Rs 30,000 in one calendar year

Get term loan eligibility for business purposes

Get fuel surcharge waiver of 1% between the billing of Rs. 400 and Rs. 2000 (max Rs. 250 waiver allowed per statement)

No lost card liability and get emergency card replacement

Rs 500 plus taxes

CSC Small Business MoneyBack

Get up to 50 days interest free credit period
Earn 4 reward for all e-commerce spends and 2 reward points for all PoS spends except fuel
Get 5X reward points on fuel spends
Earn 5% cash back on telecom, electricity, railway, hotels dining and taxi bookings
Get PoS rental reversal up to Rs. 1000 based on spends criteria
Get 1000 bonus reward points on annual spend of Rs 90,000
Get discounts up to 17.5% for payments made through Dineout Pay
Get term loan eligibility for business purposes
Get fuel surcharge waiver of 1% between the billing of Rs. 400 and Rs. 2000 (max Rs. 250 waiver allowed per statement)
No lost card liability and get emergency card replacement

Rs 250 plus taxes

Citi Rewards Credit Card

Get 10x reward points at departmental and apparel stores (offline and online)

Get minimum* 1 reward point for every ₹125 spent

Get 300 bonus reward points on card purchases of over ₹30,000 in a month

Redeem reward points via SMS at over 700 outlets and e-shopping websites

Rs 1000 plus taxes

Citi Cash Back Credit Card

Get 5% cashback on phone, utility bills & movie ticket purchases
Get 0.5% cashback on all other spends
Unredeemed cashback is evergreen, and never expires

Rs 500 plus taxes

IndianOil Citi Credit Card

Get 4 Turbo points on every spend of ₹150.

Get 1% fuel surcharge reversal at authorized Indian Oil outlets.

Receive 2 Turbo points for every ₹150 spent on groceries and supermarkets.

Get 1 Turbo point for every ₹150 spent on other eligible spends.

Earn a welcome 250 Turbo Points on your first spend within 30 days of card issuance

Rs 1000 plus taxes

Citi PremierMiles Credit Card

Get 10,000 miles with your first spend of ₹1,000 or more within 60 days
Get 10 Miles for every ₹100 spent on www.premiermiles.co.in website and on airline spends (conditions apply)
Earn 4 miles for every ₹100 spent on other purchases
Earn complimentary access to select airport lounges & freedom to choose from over 100 airlines to fly with

Rs 3000 plus taxes

First Citizen Citi Credit Card

Get up to 14 First Citizen reward points on ₹200 spent at Shoppers Stop, Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox
Get 2 First Citizen reward points on ₹200 on all other spends
Earn welcome 500 First Citizen reward points worth ₹300 on your first spend within 30 days of card issuance
Receive welcome vouchers worth ₹2250 redeemable at Shoppers Stop & Home Stop

Rs 500 plus taxes

Citi Prestige Credit Card

Get welcome gift of 2,500 bonus reward points and benefits worth ₹10,000 from Taj Group or ITC Hotels, every year (conditions apply)

Get minimum* 1 reward point on every ₹100 spent - online and in-store.

Get 2 reward points on International Spends for every ₹100 spent.

Get unlimited, complimentary access to airport lounges around the world with Priority Pass™.

Rs 20,000 membership fees

Eligibility Criteria

Typically, credit card providers have easy-to-meet eligibility criteria. If you want to apply for a credit card, you will need to meet some standard criteria.

Be an Indian resident or a Non-Indian resident (NRI)
Be at least 18 years of age
The applicant must be earning at least Rs. 20,000 monthly
Have a monthly income of at least Rs. 20,000 also have a strong credit score

Documentation

Most financial institutions have similar credit card documentation requirements. As a general rule, the following documents are required for a credit card:

 Duly filled application form

 Latest photographs

 Identity proof (A copy of Aadhar Card, Passport, PAN Card, Voter's ID, etc.)

 Address proof (A copy of Rent Agreement, Ration Card, Voter's ID, Passport, Utility Bills, etc.)

 Bank statements

 Recent salary slips (if employed)

 ITR of the last year or Form 16

 Audited balance sheet and P/L statement in case of self-employed

Application Process

Here is the application process for credit cards:

Step 1

Fill out our online application form to share your requirements with us.

Step 2

After understanding your profile and needs, we give you a list of the most suitable options with features of all credit cards.

Step 3

Once you choose a credit card, we help you apply for it online. Submit the required paperwork with your application.

step 4

We pick up any required documentation from your doorstep, if necessary.

Step 5

Once your credit card is approved, you will be informed by the respective bank and us. In a few days, your card will be delivered to you!

FAQ's

A credit card is a transactional card that allows you to make payments or withdraw cash on credit. It has a maximum limit provided by your issuer. If you make the repayment within the specified time, no interest will apply.

A debit card allows you to use funds that you've deposited in your bank account. Whereas, a credit card lets you access funds on credit that you need to repay at the end of an interest-free billing cycle.

Credit cards are an excellent tool to fund your short-term requirements. You can also avail of benefits like reward points, air miles, retail cashbacks, surcharge waivers, lifestyle offers, and more.

In most cases, lenders process a credit card application within two weeks. Once your application is approved, you will receive the card within 7 working days.

No. The annual and joining fee will depend on the credit card provider and the type of card you are issued. Some cards even come with zero fees.

If you fail to pay your credit dues on time, you'll have to pay a penalty. The interest rate usually ranges between 3-4% of your outstanding amount. A delayed payment will also affect your credit score.

Yes, you can withdraw cash from an ATM with your credit card. However, you'll have to pay additional charges ranging from 2.5 to 3.5%.

If you want to increase your credit limit, you can raise a request with your provider. After evaluating factors like your financial status, credit score, etc., your provider will increase the limit if you're eligible.