Compare cards across reward categories and find the one that fits your lifestyle. Get maximum cashback, travel perks, and fuel rewards.
The "best" credit card depends entirely on your spending habits. Follow these steps to find your match:
| Category | Best Feature | Fee |
|---|---|---|
| Everyday | Axis ACE (2%) | ₹499 |
| Millennials | HDFC Millennia | ₹1,000 |
| Online Shopping | SBI SimplyCLICK | ₹499 |
A lifetime free (LTF) credit card has zero joining fees and zero annual renewal fees for life. It's great for beginners or those who want to improve their credit score without any cost.
You can avoid interest by paying your 'Total Amount Due' in full every month before the due date. Most credit cards offer an interest-free period of 20 to 50 days if you pay in full.
It depends on how you use them. Multiple cards increase your total credit limit, which can lower your credit utilization ratio (positive for your score). However, applying for many cards in a short time can trigger multiple 'hard inquiries' (negative).
The value of a reward point varies per card, usually ranging from ₹0.20 to ₹1.00. You can redeem them for vouchers, flight bookings, or sometimes direct statement credit.
Banks usually offer limit increases based on timely payments and consistent usage over 6-12 months. You can also request an increase by providing updated income proof like salary slips.