Top Credit Cards in India

Credit cards aapko apne sabhi kharchon ke liye aasani se payments karne mein madad karte hain. Inhe online aur offline dono tariko se istemal kiya ja sakta hai, aur inmein kai prakar ke fayde hote hain.

Online credit card ke liye apply karein aur ek card chunein jo aapke needs ke sabse achhe taur par anukool ho. Instant approval, zero documentation, kathinayi-mukt application process, aur aur bhi kai fayde ka anand uthayein. Bharat mein sabse achhe credit cards ko tulna karein. Aapko top banks ke dwara offer kiye gaye credit cards milenge sath hi unke features, fayde, fees, aur latest offers ke saath, sab kuch ek jagah par.

Top Credit Cards in India :

Credit CardCategory
RBL Bank BankBazaar SaveMax Co-branded Credit CardReward Points
FinBooster: YES BANK – BankBazaar Co-branded Credit CardReward Points
Federal BankBazaar Credit CardLifestyle
IndusInd Platinum CardFee Waiver
IndusInd Platinum Aura Edge CardLifestyle
SBI SimplySAVE Credit CardReward Points
HDFC Diners ClubMiles CardLounge Access
HDFC Freedom CardReward Points
Axis Bank Neo Credit CardShopping and Movies
HSBC Platinum Credit CardTravel and Dining
Kotak PVR Gold Credit CardMovies

Credit Card ke khaasiyat aur fayde

Credit Cards ke saath kai khaasiyat aur fayde aate hain. Inka istemaal aapko online aur dukaano mein surakshit bhugtan karne ki anumati deta hai, aapko ek acchi credit itihas banane mein madad karta hai, aur aapko aapke zarurat ke waqt turant paise tak pahunchane mein madad karta hai.

Aap apne kharch par rewards jama kar sakte hain jaise ki points ya cashback, udaharan ke liye, aap udaharan ke liye rewards jama kar sakte hain jaise ki points ya cashback, yatra ke fayde utha sakte hain jaise ki havaai addaon aur yatra bima ka laabh utha sakte hain, aur aapke kharidariyon ke liye vistarit warranty ke saath suraksha prapt kar sakte hain.

Credit Cards aapko balances ko samay ke anusaar chukta karne aur frod suraksha pradan karne ki bhi suvidha dete hain. Sankshipt roop se kaha jaye toh, ye upbhoktaon ke liye sukhadta aur adhik labh pradan karte hain.

FeatureDescription
Welcome GiftKuch banks naye credit card applicants ko ek welcome gift pradan karte hain, jise bonus reward points, vouchers, discounts, aur anya labh ke roop mein diya jata hai jab card prakat hota hai.
Rewards ProgramSabhi credit cards mein aam taur par ek reward program hota hai, jisse cardholders apne card ka istemal karke har transaction par reward points earn kar sakte hain.
Fuel Surcharge WaiverBanks fuel surcharge waiver pradan karte hain cardholders ko, agar ve har mahine ek nishchit rashi ka paisa fuel par kharch karte hain.
Cashback BenefitsKai credit cards rozana ke kharch par cashback pradan karte hain aur cardholder ko paisa bachane mein madad karte hain.
Lifestyle BenefitsCardholders apne credit cards par vibhinn lifestyle labh utha sakte hain, jaise ki dining, shopping, wellness, entertainment aur anya labh.
Travel BenefitsCredit card ke yatra labh mein air miles, airport lounge access, travel insurance, airline offers, hotel offers, aur anya labh shaamil hote hain.
Airport Lounge AccessKuch credit cards complimentary airport lounge access pradan karte hain cardholders ko. Yeh oferta ek bank se doosre tak alag ho sakta hai.
Add-on CardsCardholders apne turant parivar ke sadasyon ke liye add-on credit cards ke liye aavedan kar sakte hain aur apne card ke labh unke saath baat sakte hain.
Insurance CoverageKuch premier cards comprehensive insurance policy ke saath aate hain jo hawaai durghatna, jeevan, khoya hua saman, khoya gaya card, outstanding, aur anya labh ke khilaaf suraksha pradan karta hai.
Balance TransferCredit cardholders apne ek bank dvaara jari kiye gaye maujooda cards ke baaki bhugtan ko doosre bank ke credit card account mein transfer kar sakte hain aur kam byaaj dar par bhugtan kar sakte hain.
Global AcceptanceAaj kal, bharat mein jari kiye gaye adhikansh credit cards antarraashtreey credit cards hote hain aur ye duniya bhar ke vibhinn vyapariyon dvaara svikrit hote hain.
EMI ConversionIs suvidha se cardholders apne credit card ke transactions ko aasaan mahine ke anukool meiN convert kar sakte hain (EMIs).
Credit ScoreCredit card rakhne se aap ek swasth credit score ya CIBIL score banane mein madad karte hain. Samay par aur puri rashi mein bhugtan karke aap apne credit itihas ko banate hain aur apne credit score ko sudhar sakte hain.

Alag-Alag Prakar ke Credit Cards Bharat Mein

Bharat mein credit card pradaataayein vibhinn prakar ke credit cards pradaan karti hain, jo upbhoktaon ke vibhinn avashyaktaon aur pasand ke anusaar banaaye gaye hain. Kuch lokpriya credit cards ke prakar nimn hain:

Co-branded credit cards – Jo credit card pradaata dwara kisi doosre company ke saath sahayog mein pradaan kiye jaate hain aur vibhinn labh ke saath aate hain.
Rewards credit cards – Jo aapko aapke sabhi kharchon ke liye reward points kamane ki anumati dete hain, aur kuch kshetron ke kharchon ke liye adhik points kamane ki kshamata dete hain.
Travel credit cards – Jo muft havaai adda pravesh jaise vibhinn yatra labh pradaan karte hain.
Cashback credit cards – Jo aapke sabhi kharchon ke liye cashback pradaan karte hain, khaas kharchon ke liye sabse adhik cashback pradaan karte hain.
Shopping credit cards – Jo vyakti ko kharidari karne ka shauk hai, kyun ki ye saathi dukaanon mein chhutiyon aur rewards ke saath aate hain.


Fuel credit cards – Ye card cashback ya fuel kharchon par chhutiyon ke saath aate hain.
Premium credit cards – Jo cardholders ke vishesht aavashyaktaon ko poora karne ke liye vipanan aur laabh pradaan karte hain.
Lifestyle credit cards – Jo aapke sabhi lifestyle se sambandhit aavashyaktaon ko poora karne ke liye hote hain, jaise ki movies, dining, golf, etc.
Business credit cards – Ye card vyavsayi aur vyavsayi malikon ke aavashyaktaon ko poora karne ke liye banaye gaye hain.
Sahi credit card ka chayan karna, jo vyakti ke vyay vyavhaar aur vittiy lakshyon ke saath sahamat ho, aapke card ke adhik laabh uthane mein madad karta hai.

Credit Card Yogyata


Bharat mein credit card ke liye yogyata rakhne ke liye aapko aam taur par kam se kam 18 varsh ka hona chahiye aur aapke paas ek niyamit aay ka sadharan srot hona chahiye. Yogyata ke anusaar aavashyak hai ki card aur pradaata ke prakar ke anusaar aay ki avashyakta ho.

Ek accha credit itihas aur ek sakaratmak credit score bhi aapke anumati ke avsar ko sudhar sakte hain. Jab aavedan karte samay, aapko pahchan, pata pramaan, aay pramaan, aur anya aavashyak dastavejon ko pradan karna hoga. Yogyata ke moolya ko poora karne ka koi bharosa nahi hai, kyun ki credit card pradaata anya karanon ko bhi vichar kar sakti hai.

Eligibility CriteriaRequirement
NationalityIndian
Age18 years
Employment statusSalaried or Self-employed
IncomeDiffers from one bank to the other
Credit ScoreGood credit score (700 and above)

Credit Card Ke Liye Aavedan Karne Ke Liye Aavashyak Dastavej

Credit card ke liye aavedan karne par, pradaata ke anusaar aavashyak dastavej alag ho sakte hain. Halaanki, adhikansh mamlo mein aapko nimn dastavej prastut karne honge:

  1. Pehchaan pramaan: Jaise ki aapka Aadhaar card, PAN card, Driving licence, passport, ya voter’s ID, jo aapki pehchaan sthapit karne ke liye hota hai.
  2. Pata pramaan: Jaise ki bijli bill, telephone bill, Aadhaar card, ya anya vaastavik pramaan aapke nivaas ka, jo aapki pata sthapit karne ke liye hota hai.
  3. Varshik ITR (yadi avashyak hai): Yadi aap swarojgaar mein hain ya aapke paas anya aay ke sadhan hain, to aapko apne varshik Income Tax Returns (ITR) ko prastut karna pad sakta hai, jo aapki arthik sthiti ka pramaan hai.
  4. Naye vetan patra: Yadi aap ek vyakti hain jo vetan mein hain, to aapke haal ke vetan patra prastut karne se aapki aay aur punarvad yogyata ko darshane mein madad mil sakti hai.
  5. Yatharth bhara aavedan prapatra: Yeh prapatra aapki vyaktigat jaankari ko pradan karta hai aur ek credit card ke liye ek rasmi anurodh ka kaam karta hai.
  6. Passport-size tasveerein: Aam taur par, aapko kuch haal ke passport-size tasveerein prastut karni hogi, pahchaan ke uddeshya se.
  7. Bank ka byaaj: Aapke bank ka byaaj pradan karna, aam taur par teeno se chhah mahine tak, aapki arthik len-den aur sthirata ko parakhne mein madad karta hai.
  8. Form 16: Salaried vyaktiyon ke liye, Form 16 jo aapke niji kaam dvaara jari kiya gaya hai, yeh aapki aay, chukaaye gaye kar aur kar katauti ka pramaan hai.

Kaise chune sahi credit card?

Aap apne zarurat ke anusaar ek card chun sakte hain, nimn factors ko madhya mein rakhte huye:

  1. Aapki vyay pattern: Apne vyay pattern ke hisab se ek aisa card chune jo aapke bachat ko adhikatam banaaye.
  2. Inaam ka prakar: Aapke pasand ke inaam ka prakar ke adhar par ek card chune, jaise ki reward points, hawai yatra, ya cashback rewards.
  3. Fees aur shulk: Yeh surakshit karein ki card tulya kam shulk aur shulk ke saath aata hai.
  4. Card par uphaar: Ek aisa card chune jo kharidari, bhojan, online vyay, aadi par achhe uphaar ke saath aata hai.
  5. Swagat bonus ya uphaar: Jise aapko sabse achha swagat bonus ya uphaar milta ho.

Kaise Online Credit Card Ke Liye Aavedan Karein?

Aap BankBazaar par jaakar in char saral kadamon ka palan karke Credit Card ke liye Tulna aur Aavedan kar sakte hain:

Kadam 1: Credit card offers ka tulna karein.

Kadam 2: Pramukh Bharatiya bankon ke dwara pradaan kiye ja rahe top cards mein se chayan karein.

Kadam 3: Kuch vyaktigat jaankariyon daalkar aapki yogyata ko jaanch lein.

Kadam 4: Aavedan prapatra bharte samay apne aavedan ko bharne ke baad turant manjoori ka anubhav karein.

Vikalp ke roop mein, aap seedhe bank ke website par jaakar bhi online aavedan kar sakte hain, in kadamon ko follow karke:

Kadam 1: Us bank ke adhikaari website par jaayein jo aapke dvaara chuna gaya credit card pradaan karta hai.

Kadam 2: Website par ‘Credit Cards’ ya kisi saman roop mein khojein.

Kadam 3: Credit card section mein pahunchte hi ‘Apply’ button par click karein.

Kadam 4: Apne vyaktigat jaankariyon ko bharein, jaise ki aapki vyavsayik sthiti, mobile number, mahiney ki aay, aur PIN code.

Kadam 5: Jis credit card ko aap pasand karte hain, usko chunein aur dekhein ki kya aap bank ke dvaara nirdharit yogyata moolyon ko poora karte hain. Yadi aap yogyata mein hain, to aavedan ke saath aage badhein. Aapke naam, email pata, janm tithi, vyavsayik jaankari, nivaas ka pata, aur PAN (Permanent Account Number) daalein, jaisa ki kaaha gaya hai.

Kadam 6: Aapko apne mobile number par ek One-Time Password (OTP) prapt hoga. Apne mobile number ko verify karne ke liye OTP daalein.

Kadam 7: Sabhi avashyak jaankariyon ko bharne ke baad, aavedan ko prastut karein.

Bank ya NBFC (Non-Banking Financial Company) se aapko aage ke kadam sambhaalne ke liye call mil sakta hai. Ve aapko aksar phisadi dastavejon prakriya ko poora karne ke liye samay aur sthal ka sujhav denge.

Yaad rahe ki yadi aap credit card yogyata sharton ko poora nahi karte hain ya yadi aapne pichle 6 mahine mein usi bank se credit card ke liye aavedan kiya hai, to aapka aavedan nakar kiya ja sakta hai. Samay nikal kar niyamon

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