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Best Credit Cards in India 2022

First Millenia Card

Annual fee      :

Life Time Free

Joining Fee    :

Life Time Free

Flipkart Axis Bank Credit Card

Annual fee      :

Rs. 500, Waived on spends of Rs. 2 Lakh

Joining Fee    :

Rs. 500+GST

SimplyCLICK SBI Credit Card

Annual fee      :

499

Joining Fee    :

499

First Select Card

Annual fee      :

Life Time Free

Joining Fee    :

Life Time Free

Axis Bank Neo Credit Card

Annual fee      :

Rs. 250 +GST

Joining Fee    :

Rs. 250 +GST

IndianOil Platinum Card

Annual fee      :

If spend more than 30k , free else 1000 fee

Joining Fee    :

Nil

Smart card

Annual fee      :

Nil

Joining Fee    :

Nil

ShopRite card

Annual fee      :

500

Joining Fee    :

500

YES Prosperity Rewards Plus

Annual fee      :

INR 399 PA

Joining Fee    :

INR 399 PA

Bank wise Credit Cards

Types of cards

Credit Card online Apply for Best Credit Cards From HDFC Bank ✓ ICICI Bank ✓ Citibank ✓ SBI Bank ✓ AXIS Bank ✓ HSBC Bank ✓ INDUSIND ✓ KOTAK ✓ RBL ✓ SCB ✓ YES Bank ✓ Card Types Shopping Cards, Fuel Cards, Travel Cards, Cashback Cards, Lifestyle Cards ✓ Get Instant Online Approval‎ at creditmantri com. Choose from over 57+ credit cards suitable for your credit score. Get high approval chances. No/minimum annual and joining fees. Rewards on groceries, dining, fuel, movies. Check free eligibility in 1 minute.

What Is A Credit Card?

A credit card is a financial instrument that has a pre-loaded balance that the cardholder can use to make transactions and pay for them later. The card issuer will let you pay off the balance fully, interest-free, for up to 50 days from the date of payment. To avoid any fines, the cardholder can pay the minimum amount due (which can be anywhere between 5% to 10% on the total amount owed). The balance, however, will be carried forward to the next month, and interest set by the credit card company will be levied.

How does A Credit Cards work?

A credit card gives you more time to pay for your purchases. Every time you purchase on your credit card, you are in effect borrowing that money from the credit card issuer until you pay it back at the end of the month. Here are some things to know before you get your own credit card

  1. Credit card companies give credit cards to individuals who have a consistent income
  2. If you have a good credit score, you can get a credit card easily
  3. You can obtain a credit card against your fixed deposit.
  4. As a credit card holder, you will be allocated a credit limit, which will be 3 to 5 times of your net monthly salary. This will vary across different banks.
  5. Although a credit card is provided by popular banks, the payment gateway is facilitated by Visa, MasterCard and RuPay. However, these payment facilitators cannot set other terms and conditions on the card. Features such as minimum due amount, interest rate, reward points, etc., are fixed by credit card issuers.
Facts Before Applying a Credit Card

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How to Apply For A Credit Card?

After doing the eligibility check, you can apply for the card through the following ways.

Online Apply For credit card Through The CreditMantri Website:

You can compare multiple cards from various banks on CreditMantri and finally choose the best credit card suited for your needs. To apply, simply follow the steps below:

1) Visit CreditMantri to check the various types of credit cards available.

2) After choosing the card you want to apply for, go to the application page.

3) Enter some basic details and click submit. An OTP will be dispatched to your mobile.

4) Enter this OTP for verification

5) Click on ‘view eligible offers and apply’

Apply for the credit card online through the official website of the bank:

You can go to the official website of the bank and do an online credit card apply

  • Take a look at the list of credit cards offered by the lender and compare their features
  • Select the credit card that is best suited for your spending habits
  • Fill in your personal and contact details in the application form
  • Upload the required documents if necessary
  • Submit the form
  • After you have submitted the form, an executive from the bank will contact you for verification purposes and push the application for approval.

SMS: Most banks let customers contact them through SMS facility. You can send an SMS to the respective bank as per the syntax provided to get in touch with you with the application process.

Customer Care:

All the banks have toll-free numbers to contact the customer support team to enquire about any queries. You can call them from your mobile and get help to proceed with the application process.

Mobile Banking:

Each bank has a mobile app that provides all updates and services. You can download the app to apply for a credit card.

Visiting the Branch: If you are unfamiliar with the above methods, you may walk into any nearby branch of the bank and apply for the credit card. You may have to carry documents that support your income and personal details.

Credit Card Help Center

There are so many credit cards available in the country today. So, it is often excellent customer service reputation that can be a differentiating factor between competing banks. All banks have an efficient procedure for customer care in place. For any questions related to credit cards, customers can reach out to banks through the customer care numbers, email id, and fax.

Contact banks for resolution of credit card queries on Credit Card customer Care

The services provided by the credit card customer care department are as follows:

  • Toll-free phone numbers for general queries, debit and credit card blocking, and hotlisting
  • Live chat online through mobile banking and net banking
  • Customer care through email
  • Support through SMS
  • Web support via forms on the bank’s net banking platform
  • Call centers for every city
  • Grievance redressal
  • For general queries and concerns, you have toll-free telephone numbers.
  • Customer support officers of bank branches

Difference Between a Credit Card and Debit Card

There are two types of cards that are popular among the people. They are credit and debit cards. While a credit card allows you to spend pre-approved money and pay later, a debit card allows you to spend your own money available in your savings or current account. Following are some of the common differences between a credit card and a debit card.

Credit CardDebit Card

A credit card is a line of credit.

Debit card is directly linked with your savings or current account.

You have a credit limit only up to which you are allowed to spend on purchases.

It allows you to spend as per the amount available on your savings or current account.

Cash withdrawal from an ATM is allowed subject to a certain percentage of the credit limit. Moreover, cash withdrawal will incur a fee of a certain percentage of the amount withdrawn.

Free cash withdrawal from ATMs is allowed up to a certain limit. Beyond that limit is chargeable as per bank’s internal policies.

You get a monthly bill statement.

There is no monthly bill, but you can get a statement of your past transactions.

Interest rates are applicable if you fail to pay the credit card bill in full.

There is no interest charged.

Fees include joining fees, annual fees, late payment fees, bounced cheque fees, processing fees on balance transfer etc.

Fees on the card varies from bank to bank. There may be annual fee and PIN regeneration fee if applicable.

There are reward points, cashback, discounts and offers on various purchases.

There are no such options. However, few banks have now introduced reward points on certain debit cards.

Loans can be availed against the credit limit.

Overdraft facility is available with certain banks.

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Latest & Update Credit Card News

Union Bank of India Announces End-to-End Digitalization of Kisan Credit Card26 Sep 2022

Union Bank of India announces the digitalization of Kisan Credit Card product for farmers. This aims to make the KCC lending product more efficient and farmer-friendly. It is aimed at removing the challenges faced by farmers like visiting the bank's ...

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Union Bank of India announces the digitalization of Kisan Credit Card product for farmers. This aims to make the KCC lending product more efficient and farmer-friendly. It is aimed at removing the challenges faced by farmers like visiting the bank's branch, submitting land ownership and other documents and high turnaround time in getting the KCC. KCC digitalization will enable farmers to start their borrowing journey via the mobile handset. They will not be required to visit the nearest branch and submit documents. Farmland verification happens online and the disbursement gets completed in a couple of hours reducing the overall transaction time. Union Bank plans to extend the digitalization of KCC lending to other districts of Madhya Pradesh and gradually across the country.

Standard Chartered Bank & EaseMyTrip Introduces Co-Branded Credit Card21 Jul 2022

Standard Chartered Bank launched a co-branded credit card with EaseMyTrip. The ‘EaseMyTrip Standard Chartered Credit Card’ provides exclusive travel benefits with instant discounts & reward points to cardholders with an aim to make it the most reward...

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Standard Chartered Bank launched a co-branded credit card with EaseMyTrip. The ‘EaseMyTrip Standard Chartered Credit Card’ provides exclusive travel benefits with instant discounts & reward points to cardholders with an aim to make it the most rewarding travel credit card. The co-branded credit card offers a flat 20% instant discount on domestic & international hotel bookings and a 10% instant discount on domestic & international flight bookings on the EaseMyTrip website or mobile apps. Also, the cardholders can earn accelerated reward points on flights, hotel bookings at standalone airlines, and hotel websites/apps. The significant feature of the new card is that cardholders can avail of discount benefits on flights & hotels on the EaseMyTrip website/mobile apps throughout the years. The added benefit of the new card is one domestic lounge access per calendar quarter and two international lounge accesses per year.

AU Small Finance Bank Introduces Customizable Credit Card23 Jun 2022

AU Small Finance Bank on 22nd June introduced a customized credit card in which customers can select features of their preference for a particular period. The bank has given the power to the customers to choose these features. They can choose all cat...

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AU Small Finance Bank on 22nd June introduced a customized credit card in which customers can select features of their preference for a particular period. The bank has given the power to the customers to choose these features. They can choose all categories in one card. Also, they have the freedom to switch on & off these features as per their changing lifestyle requirements. The card provides benefits in categories like lounge access, rewards points or cashback, OTT & lifestyle memberships, higher reward points for online and POS transactions, and others including cashback on grocery, and fuel surcharge waivers. Also, the user can monitor and track the savings/earnings daily to maximize their benefits.

DBS Bank India Introduced Its First Credit Card In collaboration With Bajaj Finance10 Jun 2022

DBS Bank India has launched its first-ever credit card in India in partnership with Bajaj Finance. The co-branded credit card is called 'Bajaj Finserv DBS Bank SuperCard', powered by Visa. The credit card is designed to de-clutter the customers' wal...

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DBS Bank India has launched its first-ever credit card in India in partnership with Bajaj Finance. The co-branded credit card is called 'Bajaj Finserv DBS Bank SuperCard', powered by Visa. The credit card is designed to de-clutter the customers' wallets by eliminating the need to hold multiple credit cards. The SuperCard will be available in 6 variants. It provides a welcome bonus of up to 20,000 Cash Points. The new card multiplies customers' cash points up to 10x each month on completing monthly milestone spending. Also, the customers can earn up to 20X accelerated cash points on every Spending through the DBS Card+ mobile app and Bajaj Finserv app. The SuperCard also permits the customers to obtain up to 5% cashback on durable goods loans at Bajaj Finance EMI network stores. Also, they can subscribe to Disney Hotstar, and Zomato Pro through DBS Card+ mobile app and get up to 40% cashback. The SuperCard will aid the customer in avail of the Bajaj Finserv health plan.

HDFC Bank Collaborated with Retailio and Introduces a Co-branded Credit Card for Pharmacists and Chemists25 May 2022

The lending lender HDFC bank has collaborated with the Retailio to introduce new co-branded credit cards targeted at chemists and pharmacies. The new partnership is likely to cover over 1.4 lakh merchants in the first phase of its roll-out. The co-br...

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The lending lender HDFC bank has collaborated with the Retailio to introduce new co-branded credit cards targeted at chemists and pharmacies. The new partnership is likely to cover over 1.4 lakh merchants in the first phase of its roll-out. The co-branded credit card is available for 1 lakh customers of Retailio from their existing merchant base and as well as new Retailio customers. The features of the new card are 50 days of interest-free credit period, free reward points on every spend, and annual benefits like 500 bonus reward points on spending Rs 25,000 per month and 1,500 bonus reward points on spending Rs 50,000 per month. the customers can get 5% cashback on all business essentials such as utility, telecom & tax payments.

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Very relevant offers,very good

30 Dec 2020

Suitable loan and card products.,Good website - easy to use,good

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Good website - easy to use,

26 Oct 2020

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19 Oct 2020

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