Why to Use a Credit Card?
A credit card lets you borrow money from a bank to make purchases, which you repay later. Unlike debit cards, credit cards don’t use your own money instantly—they offer a credit limit based on your income and credit history.
Used wisely, credit cards offer benefits like cashback, reward points, fuel discounts, and travel perks. They also help build your CIBIL score if bills are paid on time. However, missed payments can lead to high interest (up to 40% annually), late fees, and a drop in your credit score.
Most banks in India require PAN, Aadhaar, salary slips or ITR, and bank statements to issue a credit card. If your credit score is low, secured credit cards against fixed deposits are a good starting point.
Annual fees may apply, though many cards offer lifetime-free or fee-waiver options. Credit cards can also be used abroad, but with a forex markup fee.
Choose a card that suits your lifestyle—shopping, travel, or fuel—and always pay your bills in full. A credit card is a great tool when used responsibly, offering both convenience and financial flexibility.
How to get a Credit Card?
Fill Out the Form
Get Personalized Matches
Apply and Upload Documents
Get Approved Fast
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Which are some of the Best Credit Cards?
IndusInd Platinum Visa Credit Card
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Earn 1 reward point for every ₹100 spent
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1 reward point = ₹0.85, redeemable against your credit card statement
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1% fuel surcharge waiver on transactions between ₹400 and ₹4000
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Buy 1 get 1 free movie ticket offer, up to 2 free tickets per month
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24/7 roadside assistance for car or bike breakdowns
Annual Fee: Free
Joining Fee: Free
HPCL IDFC
FIRST Power+ Credit Card
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₹500 cashback on first HPCL fuel transaction of ₹500+ within 30 days of card setup
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5% cashback (up to ₹1,000) on first EMI conversion within 30 days
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Earn 30X reward points per ₹150 on HPCL fuel, groceries, utilities, and FASTag recharge
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Earn 3X reward points per ₹150 on UPI and other retail transactions
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6 Payback points per ₹100 spent via HP Pay App (capped at 600 points/month)
Annual Fee: Free
Joining Fee: ₹ 499/-
IDFC
First Select Credit Card
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Lifetime free credit card with no joining or annual fees
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Welcome voucher worth ₹500 on spending ₹15,000 within 90 days
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5% cashback (up to ₹1,000) on first EMI transaction within 90 days
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Earn 10X reward points on:
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Monthly spends above ₹25,000
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Birthday spends
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Earn 6X points on online purchases (up to ₹25,000/month)
Annual Fee: Free
Joining Fee: Free
HDFC
Infinia Metal
Edition
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Complimentary Club Marriott membership for the first year
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Stay 3 nights, pay for 2 at participating ITC hotels
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1+1 complimentary weekend buffet at select ITC Hotels
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Unlimited complimentary global airport lounge access
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Complimentary golf games
Annual Fee: Free
Joining Fee: ₹ 12,500/- + GST
HSBC
Visa Platinum
Credit Card
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Lifetime free credit card with no joining or annual fees
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₹100 Amazon eGift voucher on online application and video KYC
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₹500 cashback on spending ₹5,000 within 30 days via HSBC India app
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Earn 2 reward points per ₹150 spent on regular purchases
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5X reward points on spends above ₹4 lakh annually (up to 15,000 bonus points)
Annual Fee: Free
Joining Fee: Free
Tata Neu HDFC Bank Infinity
Credit Card
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5% back as NeuCoins on non-EMI spends at Tata partner brands
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1.5% back as NeuCoins on non-Tata brand and merchant EMI spends
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Complimentary lounge access: 8 domestic (2 per quarter) and 4 international (1 per quarter) per year
Annual Fee: Free
Joining Fee: ₹ 1,499/- + GST
Which Documents do I need to Apply for a Credit Card?
I am a Salaried Employee
Identity Proof
Any one of the following
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PAN Card or Form 60 (Mandatory)
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Aadhar Card
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Driving License
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Voters ID
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Passport
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Photo
Address Proof
Any one of the following
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Rent/Lease Agreement
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Utility Bill
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Aadhar Card
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Driving License
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Ration Card
Income Proof
Mandatory Documents
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Application Form
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Photograph
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Salary Slips
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Employment Letter
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ITR
I am Self Employed
Identity Proof
Any one of the following
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PAN Card or Form 60 (Mandatory)
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Aadhar Card
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Driving License
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Voted ID
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Passport
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Photo
Address Proof
Any one of the following
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Passport
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Utility Bill
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Aadhar Card
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Driving License
Other Docs
Mandatory Documents
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Proof of Continuity of Business
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ITR of Preceding Year
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Audited Balance Sheet and P&L
Frequently Asked Questions
What is a credit card?
A credit card is a payment card issued by a bank or financial institution that lets you borrow funds up to a set limit to make purchases or withdraw cash, which you repay later.
Who is eligible for a credit card in India?
Eligibility typically includes:
> Age: 21 to 60 years
> Income: ₹15,000–₹30,000 per month or more
> Good credit score (usually 700+)
> Even students and new-to-credit individuals can get secured or beginner cards.
What types of credit cards are available?
> Rewards cards – for shopping and points
> Travel cards – with flight miles, lounge access
> Cashback cards – with direct savings
> Fuel cards, lifestyle cards, business cards, and more
What is a credit limit?
It’s the maximum amount you can spend on your card. It’s decided based on your income, credit history, and the bank’s internal policies.
What are the fees and charges on a credit card?
> Annual fees (₹0 to ₹5,000+)
> Interest on unpaid balances (2.5%–4% per month)
> Late payment fees
> Over-limit fees
> Foreign transaction charges