Top 10 Credit Cards

Best Credit Cards in India 2023

Credit cards are convenient financial instruments provided by the banks to the customers using which they purchase things without cash.

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Credit Card by banks

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Home Banking Credit Cards Best Credit Card in India
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What is Credit Cards? and its Benefits

Credit cards are the one most-preferred banking products in India. It is essentially a plastic card which allows you to borrow money from your bank and pay it back after some time. Credit cards are no longer a luxury nor the privilege of the wealthy, even the salaried person can get credit cards comfortably. There are many credit cards available catering to the demands of salaried person. Credit cards can generally classified depending on their type of usage. Credit card comes with an interest rate which comes into play when the customer rolls over the outstanding amount (partly or fully) to the next billing cycle.

So, you may want to check what is the credit card in the market? The answer is there is no single credit card that may be suited for everyday. Different credit cards come with different benefits, pick the one that suits your requirements the most. We have zeroed in one thetop 10 credit cards in India

Best Credit Cards in India 2023

#1 Simply Save SBI Credit Card

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Fee

Annual fee: Rs. 499
Joining Fee: Rs. 499

Benefits

Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points

(4.4/5)
4.4/5

More info

#2 HSBC Visa Platinum Card

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(4.4/5)
4.4/5
Fee

Annual fee: Life Time Free
Joining Fee: Life Time Free

Benefits

5x rewards on subsequent purchases made after spending Rs. 4 Lakhs

More info

#3 Axis Bank Platinum Credit Card

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(4.4/5)
4.4/5
Fee

Annual fee: Rs.200
Joining Fee: Rs.500

Benefits

Joining fee of Rs. 500, which will be waived off on spends of Rs. 5000 within 45 days of card receival

More info

Pre-approved credit card

#4 HDFC Bank Diners Club Black Card

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(4.4/5)
4.4/5
Fee

Annual fee: Rs.500
Joining Fee: Rs.500

Benefits

Joining fee of Rs. 500, which will be waived off on spends of Rs. 5000 within 45 days of card receival

More info

#5 ICICI Instant Platinum Card

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(4.4/5)
4.4/5
Fee

Annual fee: Rs.500
Joining Fee: Rs.500

Benefits

1.5 reward points for every ₹ 150 spent,
Movie tickets cashback upto ₹200 every month

More info

#6 Flipkart Axis Bank Credit Card

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(4.4/5)
4.4/5
Fee

Annual fee: Rs.500
Joining Fee: Rs.500

Benefits

Rs. 1100 worth of joining and activation benefits (Rs. 500 gift vouchers on Flipkart, Rs. 500 cashback on Myntra, and Rs. 100 discount on Swiggy)

More info

#7 Amazon Pay ICICI Bank Credit Cards

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(4.4/5)
4.4/5
Fee

Annual fee: Nil
Joining Fee: Nil

Benefits

Earn 3% cashback on Amazon India,
Rewards used can be used to purchase from amazon.in

More info

#8 HDFC Millenia Credit Card

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(4.4/5)
4.4/5
Fee

Annual fee: Nil
Joining Fee: Nil

Benefits

5% Cashback on Amazon, BookMyShow, Cult Fit, Flipkart, Myntra, Uber, Zomato

More info

#9 Axis Bank NEO Credit Card

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(4.4/5)
4.4/5
Fee

Annual fee: Rs.250
Joining Fee: Rs.250

Benefits

Amazon Voucher worth ₹250
Zomato Voucher worth ₹250

More info

#10 Cashback SBI Card

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(4.4/5)
4.4/5
Fee

Annual fee: Rs.999
Joining Fee: Rs.999

Benefits

Joining fee ₹999, renewal fee of Rs. 999, which can be discounted on purchase above ₹2 Lakhs

More info

Credit Card Eligibility

Eligibility Criteria Requirement
Nationality Indian
Age 18 years
Employment status Salaried or Self-employed
Income Depends on one bank to the other
Credit Score Good credit score (700 and above)

Documents Required to Apply for a Credit Card

RequirementsSalaried IndividualsSelf Employed
ID ProofPassport, Permanent Account Number (PAN) card, Aadhaar card, Voter’s IDPassport, PAN card, Aadhaar card, Voter’s ID
Residential ProofAadhaar Card, Electricity Bill, Telephone billAadhaar Card, Electricity Bill, Telephone bill
Income ProofSalary Certificate, Recent Salary slips, Employment Offer LetterCertified Financials, Recent Income Tax Returns (ITR) Statement, Passport
How to buy

How to apply for credit cards at Fincover?

  • Log onto “Fincover.com”
  • Select the “Loans & Deposits” tab and click on “Banking Products” to choose “Credit Cards”
  • Enter the required information
  • Upon providing the information, you can see credit card options from multiple banks
  • Compare, analyse and apply for the best card that suits your requirements.
  • Submit the necessary documents, and the application will be forwarded to the bank concerned. A representative from the bank will call you soon for documentation.
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