Latest Best Credit Card Offers
Millenia HDFC Bank Credit card
0
0
₹5% & 1% on Myntra, Amazon and other spends
- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- 1% cashback on other spends
- ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
- Get 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS. TnC
For Salaried
Indian national
Age: Min 21 yrs & Max 40 Yrs,
Income: Net Monthly Income> ₹35,000For Self Employed
Indian national
Age: Min 21 yrs & Max 40 Yrs, Income: ITR > ₹6.0 Lakhs per annum
Flipkart SBI Card
499
499
₹Rs.100 = 5 Cashback
Welcome Benefit
- Rs. 250 Flipkart Gift Card will be shared with Cardholder over Registered E-mail ID / Mobile Number within 60 days of realization of Joining Fee.
- Flipkart Gift Card will have a validity of 1 year from the date of issuance.
- Additional benefits worth Rs 1000 on first transaction on Flipkart using the Flipkart SBI Credit Card within 30 days of card Approval.
- Please click here for detailed Terms and Conditions
Cashback
- 5% Cashback on Flipkart and Cleartrip.
- 7.5% Cashback on Myntra.
- 1% Cashback on other spends.
- 4% Cashback on preferred /Select Merchants.
- Please click here for list of Preferred/Select Merchants
- Cashback not applicable on Merchant EMI & Flexipay EMI transactions and on following categories: Fuel, Rental, Government Payments, Jewelry, Insurance, Schools & Education, Gaming, Wallets, EMI Spends on Flipkart, Cleartrip and Myntra.
Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver across all petrol pumps in India, on transactions from Rs. 500 up to Rs. 4,000, exclusive of GST and other charges.
- Maximum fuel surcharge waiver of Rs. 400 per statement cycle, per credit card account
- Age: Applicants must generally be between 21 and 70 years old.
- Occupation: You must be either a salaried individual or a self-employed professional.
- Income: A regular and stable source of income is required.
- Credit Score: A good or above-average credit score is preferred, with a score of 700 and above being a common benchmark.
- Residency: You should be an Indian resident.
Flipkart Axis Bank Credit Card
500
0
₹N/A
Key Benefits:
- 5% Unlimited cashback for spends on Flipkart and Cleartrip
- 4% Unlimited cashback for spends on preferred merchants (Swiggy, Uber, PVR, CultFit)
- 1% Unlimited cashback for spends on all other merchants
- Four complimentary domestic lounge access visits per calendar year
- 7.5% cashback on Myntra, capped at Rs. 4,000 per quarter
1% Fuel surcharge waiver up to Rs. 400 per month (Valid on transactions between Rs 400 & Rs 4000 only)
* On minimum spends of Rs 50,000 in the previous 3 months
Cashback Capping :-
1. You will be able to enjoy increased cashback of 7.5% (increased from earlier cashback
of 1%) on Myntra, with a maximum cashback of INR 4,000 per statement quarter.
2. You will continue to earn 5% cashback on Flipkart and Cleartrip; however, the
maximum cashback that can be earned per statement quarter is INR 4,000 on Flipkart
and INR 4,000 on Cleartrip.Cashback shall not be eligible for following spends/transactions on the Card:
o Fuel Spends
o Purchase of gift cards on Flipkart, Myntra platforms
o EMI transactions
o Purchases converted to EMI post facto
o Wallet loading transactions
o Purchase of gold items
o Cash advances
o Payment of outstanding balances
o Payment of card fees and other card charges
o Payment made towards Government services
Activation Benefit:
- Customers will be eligible for a Flipkart Gift voucher of Rs 500 on completion of the first transaction at any merchant with the Card (applicable for only those Customers who have paid the Joining Fee of Rs. 500 (+ applicable taxes))
- No minimum spend value is required
- Customer must make a transaction within 30 days of Card issuance to be eligible for the offer
Welcome benefits:
- Customers new to Swiggy can avail 50% discount upto Rs. 100 on their first transaction using the code AXISFKNEW
- Please check the terms and conditions for more details.
Age:
- The primary cardholder needs to be between 18 and 70 years old.
Residency:
- The applicant must be either a resident of India or a Non-Resident Indian (NRI).
Income:
- Salaried Individuals: A minimum monthly income is required, typically around Rs. 15,000.
- Self-Employed Individuals: A higher minimum monthly income is generally required, potentially around Rs. 30,000.
- The primary cardholder needs to be between 18 and 70 years old.
Amazon Pay ICICI Credit Card
0
42
₹5% & 3% Cashback on Amazon
The Amazon Pay ICICI Credit Card is one of the best lifetime free credit cards out there for online shopping. Rather than giving you some reward points like every other credit card, this LTF credit card from ICICI and Amazon gives you cashback on your online and offline purchases. This not only makes shopping fun but rewarding too. The best part of having a cashback credit card is that you do not have to worry about the hassle of collecting and redeeming reward points before they expire. This is what makes this lifetime free credit card so good. You can check out all the offer details of the Amazon Pay ICICI Credit Card below:
- 2% cashback on payments done to 100+ partner merchants via the Amazon Pay app.
- 1% cashback on all other spends, online and offline.
- Flat ₹200 back on first shopping/bill payment via the Amazon app
- 25% cashback up to ₹200 on shopping on the Amazon app
- 50% cashback up to ₹100 on Prepaid Mobile Recharges
- 25% cashback up to ₹350 on Postpaid Bill Payments
- 20% cashback up to ₹250 on Electricity Bill Payments
- 25% cashback up to ₹250 on DTH recharges
- 25% cashback up to ₹400 on Broadband Bill Payments
- 10% cashback up to ₹150 on Gas Cylinder Payments
- Free EazyDiner Prime membership for 3 months
- 3 Months and 6 Months No Cost EMI on Amazon
- Welcome rewards worth ₹2,000 + 3 months free Amazon Prime Membership
- Minimum Age: 18 Years
- Maximum Age: 60 Years
- Minimum Required Income for Existing ICICI Customers: ₹25,000/month
- Minimum Required Income for Others: ₹35,000/month
HSBC TravelOne Credit Card
4999
4999
₹100 = 2 Reward Points Earn
Welcome rewards
Download and log on to the HSBC India Mobile Banking app and spend INR10,000 within the first 30 days of opening your credit card account to get:
- INR1,000 cashback
- The Postcard Hotel voucher worth INR 3,000
- 3 months EazyDiner Prime Membership
Plus, get 3,000 bonus reward points when you spend INR100,000 in the first 90 days.- Earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency
- Get 2 reward points for every INR100 spent on anything else, with no cap .
To apply, you must:
- Be aged between 18 and 65 years old
- Have a minimum income of INR400,000 a year for salaried individuals
- Be an Indian resident
- Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata
PhonePe SBI Card SELECT BLACK
1499
1499
₹100 = 10 Reward Point Earned
Welcome Benefit
- Get Rs. 1, 500 PhonePe Gift Card on realization of Joining Fee
- Once added to PhonePe App, the card balance would be valid for 12 months
Reward Point
- Get 10 Reward Points per Rs. 100 on eligible PhonePe and Pincode spends
- Get 5 Reward Points per Rs. 100 on eligible online spends
- Get 1 Reward Point per Rs. 100 on other spends
- No Reward Points applicable on fuel transactions, wallet upload, rent payment, education services and government spends, EMI transactions, and cash withdrawal
- 1 Reward Point = Re. 1
- You can redeem your Reward Points against a wide array of vouchers or for cash
Milestone Benefit
- Get Yatra Voucher worth Rs. 5,000 on achieving spends of Rs 5 lakh or more in a membership year
Domestic Lounge Program
- 4 Complimentary Domestic Lounge visits every year (max. 1 per quarter)
Eligibility Criteria of SBI PhonePe Select Credit Card
The eligibility criteria to apply for SBI PhonePe Select Credit Card are as follows:
- The applicant should be a minimum of 21 years of age up to 70 years.
- The applicant should be either salaried or self-employed.
- The applicant should have a good credit score.
Kotak Cashback+ Credit Card
750
750
₹N/A
Earn accelerated cashback
- 5% on online grocery & food delivery
- 5% on online entertainment
- 3% on fuel spends across fuel station
Earn base cashback
- Unlimited 0.5% cashback on other eligible spends
- Offline grocery, dining, and entertainment purchases will earn base cashback
Fuel Surcharge Waiver
1% fuel surcharge waiver will be available on transactions between ₹500 to ₹4000. Maximum waiver is allowed up to ₹3500 in an anniversary year.
Age:
- Minimum age: 18 years old for primary cardholders, 18 for add-on cardholders.
- Maximum age: Generally 60-65 years old, but may vary.
Income:
- Minimum annual income: Typically, a minimum of ₹3 lakhs per annum is required.
- Income type: Salaried or self-employed individuals are eligible.
Other requirements:
- Indian residency: The applicant must be a resident of India.
- Credit score: A good credit score, generally above 750, is important.
Standard Chartered Smart Credit Card
499
0
₹1000/calendar month
Get cashback up to INR 18,000 annually*
The Standard Chartered Smart credit card offers 2% cashback on online spends and 1% cashback on offline spends.
The 2% cashback on online spends is valid on all spends including government spends, utilities and insurance premiums.
The other USP for the SC Smart credit card is the option to convert your unbilled spends into a 3-month EMI at 0.99% per month.
Cashback
- Applicant’s age should be between 18 and 65 years for Salaried person and for Self Employed age should be 18 and 67 years.
- Minimum age for add-on cardholder is 18 years.
Monthly Income - Applicants should have a stable monthly income.
Other Requirements
AU Bank InstaPay Credit Card
0
0
₹ 1% - Reward Rate on UPI spends
Cashback Feature• Earn 1% cashback on UPI transactions across Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets. (Maximum INR 100 per statement cycle)
• Minimum transaction amount should be greater than or equal to INR 200
Lifetime Free Card
Experience convenience without annual fees with a Lifetime Free Credit Card. Enjoy the benefits of AU InstaPay RuPay Credit Card without any extra cost.
Interest Free Period
Enjoy up to 48 days of interest-free breathing space with every AU InstaPay transaction. Get more time to manage your finances on your own terms.
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 100 per statement cycle)
Scan and Pay
Seamlessly scan any merchant’s QR code and pay in an instant using your favourite UPI application.
AU InstaPay Credit Card is exclusively available to our existing Credit cardholders* at AU Small Finance Bank.
IndusInd Bank Tiger Credit Card
0
0
₹100 = 6 Reward Point
- Earn upto 6 Accelerated Reward Points on every ₹100
- 1.50% Discounted Forex Mark-up Fee
- Golf - 1 Complimentary Game or Lesson per Quarter
- 2 Complimentary Domestic Lounge Access in a quarter and 2 International Lounge Access in a year via Priority Pass
- One complimentary movie ticket upto ₹500 on BookMyShow every 6 months in a calendar year.
- Enjoy 1% fuel surcharge waiver* across all fuel stations in India.
This waiver is applicable for all fuel transactions between ₹ 400 to ₹ 4000 only.
Fuel Surcharge waiver T n C: https://www.indusind.com/in/en/personal/tnc-petrol-surcharge-waiver.html
What are the Usual Eligibility Criteria for Credit Cards?
Each bank will set specific requirements based on which they will evaluate and approve a credit card application. Here are the common eligibility conditions:
1. Age
Applicants must be at least 18 years old to apply for a credit card. The upper age limit can range from 60 years to 75 years.
2. Income
Banks need the applicant to have a steady income as it shows their ability to repay the credit. For instance, IndusInd Bank requires the applicant to have a minimum monthly income of ₹20,000.
The income criteria may vary between cards. For e.g., the IndusInd Bank Platinum RuPay credit card will have different income criteria than the IndusInd Bank Avios Visa Infinite Credit Card.
3. Employment Status
Both salaried and self-employed individuals are eligible as long as they are earning well and have proof of it.
4. Credit Score
A solid credit score (700 or above) will fast-track your credit card approval chances. It will tell the bank you are a responsible borrower which will make you a more likely candidate.
Besides the above credit card criteria, you will also require basic documents like:
- PAN card.
- Aadhaar card.
If you are living somewhere other than the address mentioned on your Aadhaar, you must provide residence proof as well.
By meeting these credit card criteria, you not only improve your chances of approval, but also your access to better card options.