there is something about owning a credit card that makes you feel grown-up. you may have seen your parents use it and would have been longing to get one with your name on it. now that you have a job, it is time to make your long-standing wish come true and get yourself the best credit card in India.
many of you might have queries regarding credit cards, like, which are the best credit cards, how do i apply for a credit card, how to improve my credit score after i start using my credit card?
today, we will address the first question. there are so many credit cards in the market, and each of them claims to be the best. how do you identify one that truly works for you and meets your requirements as a new credit cardholder?
the first step is to identify where you would be using the credit card the most. you can then select a card that offers the most benefits in that area.
if you shop a lot, then it would be better to get one that offers maximum points for shopping. if you are someone who travels a lot during the year, then try to get one that offers more points for booking tickets and allows lounge access.
here are the top 10 best credit cards for beginners in India to help you pick the right one.
1. Citibank cashback credit card
true to its name, the Citibank cashback credit card offers cashback on almost every transaction. it has an annual fee of ₹500, but there is no joining fee. new cardholders also get additional savings worth ₹3,300.
make your Citibank credit card payment via CRED to earn rewards and cashback.
2. American Express membership rewards credit card
the membership rewards credit card is the perfect example of why American Express cards are the most sought after.
make your American Express credit card payment via CRED to earn rewards and cashback.
3. Standard Chartered super value titanium credit card
while most cards offer cashback and rewards for shopping and travel spends, there are few that do so for fuel spends. this is one card that does.
make your Standard Chartered credit card payment via CRED to earn rewards and cashback.
4. HSBC Visa platinum card
do the annual and renewal fee on the credit cards bother you? then the HSBC Visa platinum card is perfect for you.
make your HSBC credit card payment via CRED to earn rewards and cashback.
5. HDFC Regalia credit card
if you are someone who spends in all areas and would like to be rewarded for your spending, then the HDFC Regalia credit card is just what you need.
make your HDFC credit card payment via CRED to earn rewards and cashback.
6. HDFC Bank diners club rewards card
if you travel abroad quite often, then the HDFC Bank diners club rewardz card is perfect for you.
7. SimplyCLICK SBI card
the SimplyCLICK SBI card offers excellent discounts and reward points.
make your SBI credit card payment via CRED to earn rewards and cashback.
8. Axis Bank Neo credit card
love watching movies and shopping? meet your soulmate in the Axis Bank Neo credit card.
make your Axis Bank credit card payment via CRED to earn rewards and cashback.
9. AmazonPay ICICI Bank credit card
Amazon has become the go-to shopping spot for everyone's needs. if you find yourself spending more on Amazon than anywhere else, then this is the best credit card in India for you.
make your ICICI credit card payment via CRED to earn rewards and cashback.
10. SBI Card Elite
do you like the high-end lifestyle? The SBI Card Elite is the perfect card to complement your luxurious lifestyle.
a credit card is a great way to build and maintain your credit score. if you use it judiciously, it can become your best friend and help you manage your finances better. today, it is also easy to make credit card payments online. if you are thinking of obtaining a credit card, make a choice from this list and watch as you save more on your expenses.