A credit card is an instrument to help you make instant credit based transactions.
Unlike debit cards which are linked to your bank accounts and debit the corresponding amount for every transaction, credit cards offer you the flexibility to make transactions on credit independent of your account balance. These amounts however are repayable at the end of a pre-specified credit period, and each credit card involves a credit limit beyond which transactions cannot be made.

To be eligible for a credit card

You must be over 18 years of age

You must be a resident of India

You must have a regular source of income.

While these are the general conditions to avail of a credit card additional criteria may exist depending upon the type of Credit card and Credit Card provider you choose. 

You can browse through the list of Credit Cards offered by various Banks and apply for one that best suits your needs.

Earn extra rewards & benefits on Amazon, BookMyShow, Apollo24X7 and so more

Specifications;

▪️Get Amazon.in gift card worth
Rs. 500* on joining
▪️Earn 10X rewards on online spends with exclusive partners – Amazon / Apollo24X7/BookMyShow / Cleartrip /
Dineout/ Lenskart / Netmeds.
▪️1% fuel surcharge waiver for each transaction between Rs. 500 & Rs. 3000
▪️Earn 5X rewards on all other online spends
▪️E-voucher worth Rs. 2,000 each on annual online spends of Rs. 1 Lakh & Rs. 2 Lakhs Spend Rs. 1,00,000 and get an annual fee of Rs. 499 reversed for your SimplyCLICK SBI card in the subsequent year.

Eligibility;

▪️Employment type: Salaried
& Self Employed
▪️Age group: 21-65(Salaried) , 21-70 (SelfEmployed)
▪️Minimum Monthly Income:
20,000 for Salaried &
30,000 for Self Employed
▪️Documents required: ID, Address & Income proof
▪️Credit Score: 740+ CIBIL

The SimplySAVE SBI Card is designed to help you save big time on your everyday expenditure. It offers rewards points and discounts on most of your transactions such as movies, dining and grocery shopping. Moreover, it is accepted worldwide, so you can plan your travel without any worries.

Specifications;

▪️Enjoy 10X Reward Points on Dining, Grocery, Departmental stores & Movie spends. On all your other spends, earn 1 Reward Point per Rs. 100 spent
▪️Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points 1% Fuel surcharge waiver across all petrol pumps Annual Fee Reversal on spends of Rs. 1,00,000 in a year

Eligibility;

▪️Employment type: Salaried & Self Employed
▪️Age group: 21-65 (Salaried) , 21-70 (SelfEmployed)
▪️Minimum Monthly Income:
20,000 for Salaried &
30,000 for Self Employed

Documents required: ID,Address & Income proof Credit Score: 740+ CIBIL

Give your fuel spends some extra mileage with BPCL SBI Credit Card. Enjoy 4.25% value-back on fuel purchases at BPCL petrol pumps and many more benefits

Specifications;

▪️Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee
▪️4.25% Valueback ~ 13X* Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300
▪️Reward Points per billing cycle
▪️3.25% + 1% Fuel surcharge waiver on every BPCL transaction upto ₹4000 Maximum surcharge waiver of Rs. 100 in a month, which is equivalent to an Annual Savings of Rs. 1200
▪️5X Reward Points on every₹100 spent at Groceries,
Departmental Stores, Movies & Dining (Up to 5000 Reward Points per month)
▪️Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases

Eligibility;
▪️Employment type: Salaried
& Self Employed
▪️Age group: 21-65(Salaried) , 21-70 (SelfEmployed)
▪️Minimum Monthly Income:
20,000 for Salaried &
30,000 for Self Employed
▪️Documents required: ID, Address & Income proof
▪️Credit Score: 740+ CIBIL

IDFC FIRST Bank offers 4 credit cards across various categories that are curated specifically to cater to the needs and requirements of the customers. These cards come under the categoriesof Lifestyle and Rewards and are offered in 4 different variants- First Classic, First Select, First Wealth, First Millennia.

Features;

▪️100% digital & paperless process
▪️Lifetime Free Credit Card
▪️Low-interest rates
▪️1% Fuel surcharge waiver at Rs200/ month
▪️Railway and airport lounge access
▪️Discounts on movie tickets and dining at restaurants
▪️Interest-free cash withdrawal from ATMs for up to 48 days from the date of card issuance

Bank of Baroda is one of the largest public sector banks in the country. It offers a variety of credit cards that have attractive features and benefits to offer and are accepted by merchants and ATMs globally.

Features;

▪️Bonus reward points
▪️Welcome gifts
▪️Airport lounge access
▪️Smart EMI options
▪️Zero fuel surcharge waiver

Eligibility;

▪️Age group between 25-50 Years
▪️Locality: Metros and Tier 1 cities
▪️Cibil score should be 700+
▪️Salaried or self-employed professionals with income level above 4 lakhs
▪️Documents Required
PAN Card ,Aadhaar Card, Income Proof , Photograph , Address Proof

Axis Bank is one of the private sector banks to offer a wide range of credit cards. The Bank is currently offering multiple variants of credit cards each customized to cater to different needs.

Features;

▪️Cashback options
▪️Higher purchase limits
▪️Enjoy unlimited discounts from various merchant outlets
▪️Create your own credit card using MyDesign