Top Credit Card Categories
- Updated on
- October 8, 2024
- By
- Card Review
Credit cards are booming nationwide with the rise of digital payments. They’re now essential in the payment landscape. You can link your RuPay credit card to any UPI app for added convenience. Enjoy deferred payments with a 50-55 day grace period, earn interest, and get rewards or cashback. Explore different credit card categories in India to find your best fit. We’ve compiled lists to help simplify your search.
List of Popular Credit Card Categories
Best Credit Cards
Discover the definitive roster of India's premier credit cards, renowned for their popularity and unparalleled rewards. By opting for these cards, you secure not just superior benefits and privileges but also pave the way for financial liberation and substantial savings.
Lifetime Free Credit Cards
Indulge in many perks at no cost with zero annual fee credit cards. Among the most sought-after options in the Indian market, these cards afford you all their advantages without any additional charges.
RuPay Credit Cards for UPI
Accumulate reward points and unlock a host of benefits using your RuPay credit cards while enjoying UPI payments' convenience. Seamlessly settle transactions with merchants by linking your RuPay credit card to your preferred UPI application.
Rewards Credit Cards
Discover India’s most advantageous credit cards, boasting some of the most generous reward rates available. Accumulate reward points with every transaction, whether for shopping, dining, or beyond. Later, leverage these points for rewards such as cashback or Airmiles.
Cash Back Credit Cards
The premier credit cards are highly coveted for their direct cashback rewards, so sidestep the hassle of redemption processes altogether. Bid farewell to intricate conversion procedures as these cards seamlessly deposit hard cash directly into your statement account.
Fintech Credit Cards
Consumers are increasingly adopting digital payments, leading to a surge in cashless transactions. Fintech companies have responded by introducing innovative cards that offer a variety of rewards and boast an attractive design.
Business Credit Cards
Discover the top-tier business credit cards tailored for small and large enterprises. These cards facilitate seamless payments and offer enticing rewards on targeted purchases, enhancing financial efficiency and perks for businesses of all sizes.
Secured Credit Cards
If you lack a credit score, kickstart your credit journey with secured credit cards. These cards are available by securing a fixed deposit (time deposit) with a bank or card issuer. Geared towards students and individuals without income, secured cards offer a pathway to establish and strengthen your credit profile.
Shopping & Rewards
Credit Cards
Online Shopping Credit Cards
Slash your online shopping costs with these credit cards. Whether you frequent Flipkart, Amazon, Myntra, or any other leading e-commerce platform, unlock substantial rewards and cashback with every purchase.
Student Credit Cards
Are you youthful and adventurous? Seeking a card to manage personal finances while seizing shopping offers and deals? Look no further! Explore the forefront of credit cards tailored for students and youngsters in India.
Fuel Credit Cards
Cut costs on your next gas station stop. Trim your regular expenses with a fuel card and enjoy significant savings. With India's leading fuel credit cards, reap rewards not just on fuel but also on dining, movies, and department store purchases.
Best Cards for Movies
Seeking to slash your movie spending? Look no further! Explore these incredible credit cards designed to trim your entertainment expenses while ensuring maximum fun.
Utility Bill Payment
These professionally designed cards offer ample rewards and focus specifically on utility expenditures such as electricity, water, and gas. Given the universal and recurring nature of these bills, possessing such cards is essential for all.
Grocery Shopping
Maximize your savings on everyday grocery and shopping expenses with our carefully selected list, designed to earn rewards on household essentials. Whether it’s a quick snack or ingredients for a nutritious meal, earn rewards on all your purchases.
Food Ordering & Dine out
Elevate your dining indulgence with the most rewarding credit cards. Whether you order food online or treat your family to a night out at your favorite restaurant, these cards ensure substantial savings.
Health and Wellness
Unlock exclusive discounts on your medical and healthcare expenses with these health and wellness credit cards. Some even offer benefits like regular health checkups. Tailored for the health-conscious, these cards are your ideal companion for prioritizing your well-being.
Free Spa Access Cards
Explore our curated selection of premier credit cards offering spa access. With these specialized spa credit cards, indulge in relaxation and rejuvenation at renowned spas nationwide. Treat yourself to tailored treatments for your neck, head, and beyond.
Co-Branded Credit Cards
Unlock exclusive discounts on your medical and healthcare expenses with these health and wellness credit cards. Some even offer benefits like regular health checkups. Tailored for the health-conscious, these cards are your ideal companion for prioritizing your well-being.
Travel & Lounge
Credit Cards
Domestic Travel
With travel credit cards crafted for frequent flyers, you can Accumulate AirMiles, Club Vistara points, Indigo miles, and more while relishing complimentary lounge access. With these cards in hand, you can travel seamlessly both domestically and internationally.
International Travel
Embarking on an overseas journey? Experience smooth international travel and minimize markup fees with our handpicked selection of cards. Considering various factors, we’ve curated these cards to guarantee your hassle-free international trip.
Free Domestic Lounge
Enhance your domestic travel with complimentary access to airport lounges nationwide. With these credit cards, revel in perks like complimentary Wi-Fi, relaxation areas, and complimentary meals, making your airport experience more enjoyable and comfortable.
Free International Lounge
Long international flights can be exhausting. These cards allow you to relax and rejuvenate with complimentary lounge access at layover airports. Additionally, you can benefit from high reward rates, dining privileges, and other perks while abroad.
Free Railway Lounge
The railways have long played a crucial role in shaping people’s lives in our country. Unwind on your next railway journey with a card that provides complimentary access to IRCTC lounges at railway stations.
Best Forex Cards
Opting for your regular credit card during international travel can incur unnecessary Forex charges. Explore our curated list of the best forex cards designed to minimize or eliminate additional fees on international transactions.
Best Hotel Credit Cards
Discover how hotel credit cards can accelerate your travel rewards, provide complimentary hotel program memberships, and unlock free award nights. Explore the premier hotel credit cards offered by HDFC, Axis, and AmEx in India.
Best Golf Credit Cards
While many credit cards offer reward points or cashback incentives, a niche category offers exclusive golf perks and benefits. Typically, these privileges are associated with premium or super-premium credit cards, catering to a luxurious lifestyle.
Peace of Mind
Credit Cards
Free Roadside Assistance
Discover the top credit cards offering complimentary roadside assistance, providing you with invaluable and convenient support. These cards deliver essential services and peace of mind, ensuring you’re covered wherever your journey takes you.
Balance Transfer Cards
Struggling to meet your bill payments on time? Escape the debt trap with balance transfer credit cards. Gain insights into the process and associated charges in transferring your balance from one card to another.
Low Interest
These credit cards with low interest rates offer a pathway to sidestep debt traps and foster peace of mind. However, interest accrues only if payments are missed. Opting for such cards is a prudent choice to stay safer financially.
Free Cash Withdrawal
Withdrawing cash using a credit card can be quite costly due to the hefty charges involved, which isn’t the most reliable credit option. But what if you could access the convenience of credit card cash withdrawals without worrying about extra fees?