Frequently Asked Questions
Which bank’s credit card is the best in India?
The best credit cards in India depend largely on your requirement. You have a lot of options to choose from like Signature Visa Credit Card, Yatra SBI Credit Card HDFC Regalia Credit Card and Diners Club Black Credit Card to name a few.
Which credit card is the best for online shopping in India?
You have a lot of options for shopping credit cards in India. Depending on your need, you can choose SBI SimplySave Credit Card, Citi Cashback Card and or HSBC Visa Platinum Credit Card, to name a few.
Which is the safest credit card in India?
Most credit cards in India are safe. Credit cards like HSBC Visa Platinum Card and Citi Cashback Card are a few of the safe credit cards.
Which credit card in India has the best rewards program?
The system of reward points varies from one credit card to another. For the best reward points you can choose HDFC Freedom Credit Card, IndusInd Bank Platinum Card or Citi Cashback Card to name a few.
Which credit card in India offers the best travel benefits?
Many credit cards in India comes with basic travel benefits which include lounge access at the airport, accelerated reward points on travel bookings, etc. However, there are many credit cards which offer added benefits on travel such as the MakeMyTrip ICICI Bank Credit Card, HDFC Bank Regalia credit card, etc.
Which is the best credit card for entertainment benefits?
There are several credit cards which offer a wide variety of entertainment benefits. However, there are a certain set of cards which are solely entertainment-oriented. They offer the best benefits when it comes to entertainment along with a few features across other categories as well. The Kotak PVR Gold Credit Card, HDFC Moneyback Credit Card and the Axis Bank Neo Credit Card are among the top credit cards for entertainment expenses.
What are the best credit cards available for a wide range of dining benefits?
Most cards which are mentioned above come with a set of dining privileges which will be given to you while you are dining out. There are also certain cards which offer discounts and cashback while ordering online. The HDFC Bank Diners Club Credit Card and the IndusInd Bank Platinum Credit Card are some of the credit cards which offer best-in-class dining benefits.
Will the lounge benefits with these top credit cards be free of cost?
There is a certain number of lounge visits allotted to you with your credit card which are free of cost. However, after exceeding the maximum number of visits, you will have to pay a certain amount as a fee to utilise the lounge in domestic and international airports. The fee generally is the same for most credit cards. It is advised that you read the terms and conditions for domestic and international lounge access before using the card.
Do top credit cards have higher annual fees?
No, there is a range of credit cards offered by different banks which offer many benefits at a nominal annual and joining fee. Some of the credit cards are the HDFC Bank Moneyback credit card, ICICI Bank Platinum Credit Card, etc.
What is the minimum salary required for a credit card?
The minimum salary required to apply for a credit card varies from one bank to the other. There are also credit cards offered for first-time applicants who may not have a higher income but can get a credit card with a lower credit limit depending on the various factors checked by the bank.
How to redeem the benefits which are offered by these credit cards?
For the reward points, you can visit the website of the bank and redeem the points which have been accumulated in your card. The reward points can be redeemed to avail a wide range of products and services across various categories through the partnerships the bank has with other companies. Benefits such as movie tickets, dining, etc., will be automatically given to you once you use the credit card. However, it is important to know the terms and conditions of the benefits which are given with your card.
Which is the best credit card with no annual fee in India?
There are a lot of credit cards in India which come with no annual fee. To name a few, you have IndusInd Pioneer Legacy, HSBC Visa Platinum and Citibank Rewards Credit Card.