09 Best Credit Cards Providers

If you are among those persons who like shopping and buying things on regular basis but the lack of Insufficient money is stopping you from doing all this then don’t worry, Because we have successfully got the best solution for this problem and the best solution for this problem is the Credit card.

Credit cards can be your best friend in your unplanned expenses, and building credit. Credit cards offer you the chance to build up a line of credit. Banks and financial institutions often look to credit card usage as a way to gauge a potential loan applicant’s creditworthiness, making your credit card important for future loans or rental applications.

So let’s jump into the main topic so today we will discuss the 09 best credit card providers in India from where you will get the best credit card deals.

what is Credit card ?

A credit card is a thin rectangular piece of plastic or metal issued by a bank or financial services company, that allows cardholders to borrow funds with which to pay for goods and services with merchants that accept cards for payment.

09 Best Credit Cards in India

1. ICICI Amazon Pay Card:-

ICICI Amazon Pay Card comes in the top 01 positions in the list of our 09 Best Credit Cards in India.

In the event that you need to venture into the Mastercard rewards game with no yearly expense, this is the card for you. ICICI Amazon Pay Visa is known for its stunning combination with ICICI Bank to convey the card in less than 72 hrs, particularly to the person who’s now managing an account with them.

That to the side, it conveys an extraordinary incentive for Amazon Prime clients and they have different offers also occasionally. Genuinely significant as it’s a no-expense card.

The joining fee and Annual Fee of ICICI Amazon Pay Card:-

Joining feeAnnual Fee
NilNil

2.Axis Flipkart Card:-

Axis Flipkart Card comes in the top 02 positions in the list of our 09 Best Credit Cards in India.

Axis Bank Flipkart Visa is one of the exceptionally compensating Visa in this portion and given that you get to level 1.5% cashback to the proclamation on practically all sorts of spends, this stands apart to be outstanding amongst other Visa for novices.

Further, it likewise accompanies homegrown parlor access advantage, which deals with your infrequent homegrown air travel needs well. That is certainly a ton for a card of this reach.

The joining fee and Annual Fee of Axis Flipkart Card:-

Joining feeAnnual Fee
Nil2nd year Onwards: Rs. 500 Annual fee waived off on annual spends greater than Rs. 2,00,000.

3. OLA Money SBI Card:-

OLA Money SBI Card Card comes in the top 03 positions in the list of our 09 Best Credit Cards in India.

In case you’re a customary OLA client, this card gives you a sweet 7% profit from OLA taxi spends and they additionally run impermanent offers wherein you get 15% on OLA spends which is unquestionably a liberal return.

That to the side, even premium Mastercard clients can extricate an extraordinary worth out of this card as it gives an astonishing 20% profit from ClearTrip inn spends.

The joining fee and Annual Fee of OLA Money SBI Card:-

Joining feeAnnual Fee
NilNil

4. Citi Cashback Card:-

Citi Cashback Card comes in the top 04 positions in the list of our 09 Best Credit Cards in India.

So now not only credit get also discount on your everyday expenses get some of your cashback with Citi Cash Back Mastercard®. Using your card’s high credit limit, you can get to receive up to 6% in grocery discount, 2% Meralco bill discount, and. 02% discount on all other purchases charged to your card for a minimum monthly spend.

The joining fee and Annual Fee of Citi Cashback Card:-

Joining feeAnnual Fee
Nil500

5.IndianOil Citi Platinum Card:-

IndianOil Citi Platinum Card comes in the top 05 positions in the list of our 09 Best Credit Cards in India.

This IndianOil Citi Platinum Card is the tie-up card between IndianOil and Citi Bank and the main motive of this tie-up is to provide cardholders with several offers on their fuel purchases.

The card is meant for people who depend on their own vehicles for their daily travel. This card does not require any joining fee but it has an annual fee of Rs.1,000.

The joining fee and Annual Fee of IndianOil Citi Platinum Card:-

Joining feeAnnual Fee
Nil1,000

6. HDFC Freedom Credit Card:-

HDFC Freedom Credit Card comes in the top 06 positions in the list of our 09 Best Credit Cards in India.

Fuel. Convenience fee waiver of 1%, capped at Rs.250 per statement cycle GST will be applicable. Add-on cards. Get up to 3 add-on credit cards for free. Safety & Technology. Enjoy safe and secure transactions with chip-enabled cards.

But The HDFC Bank Freedom credit card is not free. It comes with an annual fee of Rs. 500.

The joining fee and Annual Fee of HDFC Freedom Credit Card:-

Joining feeAnnual Fee
Nil1,000

7. Axis Bank Flipkart Visa:-

Axis Bank Flipkart Visa Credit Card comes in the top 07 positions in the list of our 09 Best Credit Cards in India.

Axis Bank Flipkart Visa is one of the exceptionally compensating Visa in this portion and given that you get to level 1.5% cashback to the proclamation on practically all sorts of spends, this stands apart to be outstanding amongst other Visa for novices.

The joining fee and Annual Fee of Axis Bank Flipkart Visa Credit Card:-

Joining feeAnnual Fee
5002nd year Onwards: Rs. 500 
Annual fee
 waived off on annual spends greater than Rs. 2,00,000.

8. Yatra SBI Card:-

Yatra SBI Card Credit Card comes in the top 08 positions in the list of our 09 Best Credit Cards in India.

By the name of Yatra you can assume for what reason this credit card made off, Yatra SBI Card is fit for regular travelers because it gives many travel benefits to provide a comfortable and economical travel experience. And the best thing is it provides welcome gifts, reward points, fuel surcharge waivers, etc.

The joining fee and Annual Fee of Yatra SBI Card Credit Card:-

Joining feeAnnual Fee
Rs.499Rs.499

9. Axis Bank Neo Credit Card:-

Axis Bank Neo Credit Card comes in the last positions in the list of our 09 Best Credit Cards in India.

Axis Bank Neo Credit Card is created for regular online shoppers and for those who want to enjoy several entertainment benefits. And the most advanced feature of this card is that it includes gift vouchers from Amazon, BookMyShow, and Myntra, and a minimum of 15% discount at participating restaurants across India.

The joining fee and Annual Fee of Axis Bank Neo Credit Card:-

Joining feeAnnual Fee
Rs.250Rs.250

The steps to apply for a credit card.

Following are the steps by which you can apply for a credit card:-

1.Check your credit scores.

2. Determine what type of card you need.

3. Understand the terms of your credit card application.

4. Choose where to apply.

5. Check to see if you’re prequalified.

6. Prepare for a knock to your credit.

7. Use credit card best practices.

What if your application is denied?

Sometimes if you didn’t check your credit score before applying for a credit card or some times if you have past pending credits which you have browed from the bank and failed to give then your credit scoreboard will get impact by these events and If your credit card application is rejected, it can impact your credit score. 

So before applying for a credit card you make sure to do these things:-

  • When you apply for a card, lenders use your information to run a ‘hard’ search on your credit file, also known as a hard inquiry. 
  • If you’re concerned about having poor credit, you should think about applying for a credit-building card.

Note:- All the things which are in this article are fully based on research and if anything gets wrong let me know in the comment section, we will fix it as soon as possible.

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