Features of all credit cards
- Interest-free period on purchases when you pay in full
- Rewards, cashback or travel benefits
- EMI conversion on large purchases
- Builds your credit history when used responsibly
Eligibility for all credit cards
- Age usually 21–60 years
- Regular income (salaried or self-employed)
- Good credit score – usually 750+ for best approval odds
- Indian resident with valid KYC
How to choose the right card
Look at where you spend the most, compare the annual fee with the value of benefits you'll actually use, and check the fee-waiver condition. Paying the full bill by the due date keeps your card interest-free and builds your credit score.
Frequently asked questions
List where you spend the most – groceries, fuel, travel or online shopping – and pick a card that rewards that category. Compare the annual fee with the value of rewards you will realistically earn.
Each formal application creates a hard enquiry, which can lower your score slightly for a short time. Apply only for cards you are likely to be approved for.
Key facts from official sources
Credit scores in India range from 300 to 900; a higher score indicates lower credit risk. — Source: TransUnion CIBIL
Customers of banks and NBFCs can file free complaints under the RBI Integrated Ombudsman Scheme at cms.rbi.org.in. — Source: Reserve Bank of India
Written by BankHelpline Editorial Team · Reviewed by Sheetal Pawar, Director · Last updated . Content is researched from official sources such as the Reserve Bank of India (RBI), credit bureaus and lender websites, and reviewed periodically. Rates and charges change often – always confirm the latest terms with the lender.