Best 5 Credit Cards That You Can Apply For

Credit cards are one of the most useful tools when it comes to becoming cashless. Credit cards enable you to spend and save the best out of your expenses. At the same time, these cards give you time to pay your pending bills. If you’re looking for the best credit cards in India, you’ve come to the right place. Let’s have a look at the benefits and features of credit cards in India in 2021 before you apply.


  • The card is free to use for the rest of your life and covers practically all of your everyday purchases. This card can be used on a regular basis. It stands out due to its big number of regular offers with companies like EaseMyTrip, Croma, Tata Cliq, Samsung, Flipkart, Grofers, and others.
  • There are no annual or membership fees.
  • It offers a variety of unique online discounts to its customers.
  • Achievement Points: PAYBACK is a rewards programme that accepts a variety of brands. It has worked with some of the most well-known companies in India.
  • Fuel Surcharge Waiver: When you swipe your credit card on an ICICI merchant services swipe machine, you can obtain a 1% fuel fee waiver at HPCL pumps on gasoline transactions up to INR 4,000.
  • Eligibility- You must have a fixed deposit with ICICI bank for a period of 180 days or more with a fixed amount of 20000 INR.


  • HDFC MONEYBACK CARD KEY FEATURES – Earn 2 Reward Points for every Rs 150 spent. Earn 2X Reward Points, or 4 Reward Points for every Rs. 150 spent online* Every quarter, on purchases of Rs. 50,000, receive a Rs. 500 gift certificate. You can earn up to Rs. 2,000 in gift vouchers per year.
  • Joining/renewing membership costs Rs. 500 plus relevant taxes.
  • Eligibility – Salaried Indian nationals must be at least 21 years old and no older than 60 years old, with a gross monthly income of at least $25,000 per month; self-employed Indian nationals must be at least 21 years old and no older than 65 years old, with an annual income limit of ITR > 6.0 lakhs.


  • The Citibank Cash Back Credit Card gives you cash back on almost every purchase. 
  • The annual fee is INR 500, but there is no membership fee. New cardholders will additionally receive a discount incentive of INR 3,300.
  • You’ll get 5% cashback when you buy movie tickets and pay your phone and utilities bills.
  • You’ll get 0.5 percent cashback on all other transactions.
  • When you eat at one of their partner restaurants, you’ll get a 15% discount.
  • A 1% fuel fee waiver is available at Indian Oil outlets.
  • Cashback is credited automatically.
  • The monthly ROI is 3.40 percent.
  • A monthly income of 25000 INR is required to obtain the card.


  • The HDFC Regalia credit card is exactly what you need if you spend in a variety of ways and want to be rewarded for it.
  • The annual fee is INR 2,500, with a renewal fee of INR 2,500. The renewal fee is eliminated if you spend more than INR 3 lakh in a year.
  • You will gain 2500 reward points when you enrol and pay the annual renewal fee.
  • Enjoy free admission to the lounge for 12 hours.
  • Receive four reward points for every INR 150 paid.
  • Get coverage for emergency hospitalisation in a foreign country as well as accidental death in the air.
  • You may put your reward points to good use in a number of ways.


  • A low-cost, low-annual-fee lifestyle credit card.
  • For milestone purchases, renewal fees are waived.
  • Reward points are earned faster in everyday spending categories.
  • Within 60 days of card activation, bonus reward points are available.
  • On movie tickets, department store purchases, grocery purchases, and dining out, you can earn 10x reward points. Earn 1 reward point for every Rs.100 spent in all other categories. 

The Bottom Line

The above credit cards are the most in demand. You can apply for credit cards online and offline by directly visiting the branch. However, to apply for a credit card, you need a good CIBIL score. A good CIBIL score is very important to get you with a credit card as lenders judge your repayment capacity and your financial background with the help of your credit score. Do maintain your credit score if you want to obtain a credit card in a hassle-free manner.

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