Credit cards are simple plastic instruments that become your dear friend when your wallet runs out of cash. When cash in hand and cash in the bank becomes meaningless, a credit card stands by you. Today, there are an endless amount of credit cards available to consumers. Individuals have different needs when it comes to credit cards.
There is no doubt that you would like to earn generous cashback on all of your transactions or save more money on your fuel expenses. Before applying for a credit card, you should know “what is a credit card” and its features. This is why the right credit card to apply for you is so crucial. The following list of the best credit cards in India caters to popular interests such as cashback, online shopping, travel, and lifestyle so that you can find the perfect credit card for you.
Listed below are some of the best credit cards available in India
Platinum LifeEasy SuperCard
This RBL credit card offers unlimited interest-free cash withdrawal. As a welcome gift, it offers its users Rs. 2000 worth of gift vouchers. It’s one of the best credit cards to reduce grocery bills as it provides a 5% cashback on all grocery purchases. You also get gift vouchers of Rs. 1,000 if your spending crosses Rs. 1lakh every year. This credit card allows users to convert their cash limit into a personal loan.
RBL Bank – Icon Credit Card
RBL Bank Icon credit cards promise you a life full of rainbows and stars! This credit card is designed specifically to meet your lifestyle needs. It offers travel, golf, movie, dining, and luxury lifestyle privileges, which will elevate your living experience to a new level of luxury and convenience.
American Express Platinum Travel
The Amex Platinum Travel credit card provides complimentary lounge access and many travel gift certificates. It provides you with access to four gratis lounge visits per year.
Platinum ShopDaily SuperCard
This credit card has the power of four credit cards in one. It comes with attractive welcome gift vouchers. To get this Bajaj Finserv RBL Bank credit card, also known as a SuperCard, you must pay a joining fee of Rs. 499 and an annual fee of Rs. 499 starting from the second year of getting the credit card. It offers a 5% cashback on grocery purchases which tallies up to Rs. 250 per month.
HDFC Diners Black Credit Card
It is a must-own credit card for frequent travellers. The Diners Club Black ultra-premium credit card from HDFC bank allows you unrestricted access to airport lounges at no additional cost. The credit card entitles you to use 700+ lounges in India and throughout the world without the need for a priority pass.
Criteria for Credit Card Eligibility
A credit card’s eligibility requirements differ from issuer to issuer and from variant to variant offered by the same issuer. The basic characteristics of credit cards remain the same in terms of age, income source, city of residence, credit score, etc., but the major difference is the minimum income. Providers set the income eligibility criteria for their cards based on the cards’ benefits and annual fees.
Read More : 5 Factors Influencing Your Credit Card Limit