Best Credit Card in India

It is imperative that you choose a credit card wisely. Depending on the customer’s lifestyle and spending pattern, the best credit card can offer a wide range of benefits while enabling the cardholder to save more on their purchases. Financial institutions today provide multiple types of credit cards tailored to different lifestyles.

You must compare the best credit cards in India available in the market and choose a card that fits your lifestyle and spending habits. This way, you can be assured of getting the most out of your credit card, either through reward points, cashbacks and discounts, or other co-branded benefits.

A credit card is no longer a luxury; it’s a must-have accessory in your wallet. It brings a world of convenience, offering interest-free periods, discounts, cashbacks, and reward points. Whether you are a student, teacher, self-employed, or salaried, we’ll show you how to get a credit card in three easy steps.

Step 1: Choose your Credit Card

Pick a credit card that suits your lifestyle and spending habits. Whether it's for shopping, travel, or fuel, make sure it offers rewards and benefits you’ll actually use.

Step 2: Apply for your Card

Once you've chosen, fill out the online application form or visit your nearest branch. Ensure you provide accurate personal and financial details for faster approval.

Step 3: Activate your Card

After receiving your card, activate it either through net banking, mobile app, or by calling customer service. This ensures it’s ready for all your transactions.

Best credit cards in 2024

Here are some best credit cards to apply in 2024.

There are many credit cards loaded with a range of perks but the best credit cards must fit into your lifestyle patterns. Some cards be perfect for travellers, while others would be apt for high household spending. Listed below are some of the top credit cards in 2024.

For instance, while some issuers may promote the best credit card in India with no annual fees, others waive off the joining fees when your annual spending meets a threshold amount.

What’s more, you can find a credit card tailored to your profession or spending habits too, like a fuel card, a travel card, a doctor’s card and more. However, you may be looking for an all-rounder or the best free credit card in India. Fortunately, with some research, you can successfully choose the best credit card in India that matches your needs.

Take note of the following pointers when comparing top credit cards in India.

Which bank offers the most suitable credit card?

Issuers offer different types of credit cards that are tailored to meet specific needs. For instance, a fuel card provides a surcharge waiver and gives you extra reward points on refuelling your motor vehicle. On the other hand, a shopping card extends attractive discounts, cashbacks, and rewards when you use it to pay for groceries, lifestyle, and other related expenses. If you have a specific spending habit, your best bet would be to avail of a card that meets your needs.

However, if you don’t, the best credit card for you would be the one that offers rewards and discounts on each or most transactions. The Bajaj Finserv RBL Bank Credit Card is one such card that offers reward points on every transaction you make using it. From travel booking to hotel stays, from paying for fuel and appliances to gadgets, clothes and groceries, you can use this credit card to pay for any expense and enjoy amazing discounts, rewards, and offers that give you maximum bang for your buck.

Though credit cards are widely accepted, you still need cash, which leaves you no option in certain places but to withdraw some money using your credit card. When you do this, the issuer charges a processing fee plus high interest on the transaction amount, which adds to your expenses.

But with SuperCard, you can withdraw the required cash from ATMs across the country, and you don’t have to pay any interest for 50 days. This way, you can meet your need for emergency cash without paying any cost. Look for a credit card that offers you a similar advantage, so keep your costs low.

While all credit cards boost your purchasing power by allowing you to make big-ticket purchases on credit, only certain good credit cards in India offer an EMI option. Without this option, repayment becomes burdensome as you may have shopped for multiple appliances during the same credit card billing cycle during the festive season. Not repaying the entire sum spent may lead to high-interest penalties.

Thankfully, with the SuperCard, you enjoy EMI financing option and discounts on purchases that you make from Bajaj Finserv partner stores. This not only makes for delightful purchases but also easy repayment.

Now that you know how to choose the best credit card in India and the features that make the SuperCard one of the top credit cards in India, apply for one today. To get started, check your pre-approved offer from Bajaj Finserv to benefit from a customised deal and enjoy one-step hassle-free online approval. Once approved, you can unlock the many benefits that SuperCard offers.

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