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Compare Cards (36 found)
Card Name | Annual Fee | Reward Rate | Forex Markup | Rating | Best For | Actions | |
|---|---|---|---|---|---|---|---|
SimplyCLICK SBI Card SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
SimplySAVE SBI Card SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
BPCL SBI Card SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
SBI Card PRIME SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
SBI Card ELITE SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
IRCTC SBI Platinum Card SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
SBI Card Miles Elite SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
SBI Card PULSE SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
Flipkart SBI Card SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
Wide Card Range SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
Instant Virtual Card SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General | ||
Mastercard SBI Card | ₹0 Lifetime Free | 1% | 3.5% | 4.0 | General |
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Complete Guide to Credit Cards in India (2025)
How to Choose the Right Credit Card?
With over 100+ credit cards available in India, choosing the right one can be overwhelming. The key is to analyze your spending habits:
- For Travelers: Look for cards offering Air Miles, lounge access (Priority Pass), and low forex markup fees. Top picks include HDFC Regalia Gold and SBI Elite.
- For Shoppers: Cashback cards are your best friend. Cards like SBI Cashback and Axis Ace offer flat 2-5% cashback on all spends.
- For Beginners: If you have no credit history (CIBIL score), opt for entry-level cards like HDFC MoneyBack+ or secured cards against Fixed Deposits.
Understanding Credit Card Fees
Most premium cards come with an Annual Fee (ranging from ₹500 to ₹10,000). However, many banks offer a waiver if you spend a certain amount (e.g., ₹1 Lakh) in a year. "Lifetime Free" (LTF) cards like Amazon Pay ICICI charge zero joining or annual fees.
What is a Good CIBIL Score for Credit Cards?
A CIBIL score of 750+ is generally considered good for approval. A score above 780 can unlock premium cards with higher limits and better rewards. If your score is below 700, focus on building it with a secured credit card or a Buy Now Pay Later (BNPL) service.
Credit Card vs. Debit Card
Unlike debit cards that use your own money, credit cards offer a 45-50 day interest-free loan. If used responsibly (paying full bills on time), they build your credit score and offer rewards worth 1-5% of your spending.
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