Choosing the right credit card isn’t a one-size-fits-all proposition. It would be best to perform the credit card application process online and choose the right credit card by identifying your financial needs. A credit card is a simple plastic instrument that becomes your best friend when your wallet runs dry.
Credit cards stand with you when cash in hand and cash in the bank are over. There are an infinite number of credit cards available to consumers today. Each individual has different needs when it comes to credit cards. If you are a frequent shopper, you might enjoy earning generous cashback on your purchases or saving money on your fuel costs.
Listed below are some of the best credit cards available in India
Bajaj Finserv RBL Bank credit card
It’s a good idea to start with the Bajaj Finserv RBL Bank credit card if you’re new to credit card. Use this card to enhance your credit score and save money simultaneously. Because of its cashback perks, you’ll save money on every purchase you make. Every time you spend, you will get two reward points. You can redeem these points for your future purchases.
Kotak Royale Signature Credit Card
The Royal Signature credit card is ideal for out-of-the-box tourists who enjoy spending on travel agencies and tour operators. On-air ticket bookings, hotels, restaurants, travel agencies and tour operators, and package trip operators, the Kotak Royale Credit Card offers 4X extra points per Rs. 150 spent.
ICICI Instant Platinum Card
ICICI Bank offers its new customers the Instant Platinum Card. Using this card regularly will allow you to create a new credit history regardless of your credit score or history. This card can be obtained by making a fixed deposit with the bank. You will need to have an existing savings account as well. The ICICI Instant Platinum Card is considered one of the best credit cards in India, with cashback and reward points for people who don’t have a salary, such as students and homemakers.
Bajaj Finserv RBL Bank ShopDaily SuperCard
RBL is one of the world’s fastest-growing commercial banks rapidly expanding. There are a variety of credit cards offered by RBL Bank that cater to different needs. The credit card comes with a minimal joining fee, annual fee, and finance charges up to 3.99%. In addition, the ShopDaily credit card offers 5% cashback on every amount spent on grocery-related products.
HDFC Diners Black Credit Card
This is a 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 a priority pass.
It is essential to keep in mind that no single credit card offers all the perks you are looking for. Every credit card indeed has its advantages and disadvantages. In addition, comparing credit cards gives you a better chance of selecting one that meets your specific demands. Making a thorough evaluation of your choices can assist you in making an informed decision.