Best Credit Card in India for Less Income (Top 10) in 2023 : Everyone knows about credit cards through which you can get discount cashback offers when you shop online, friends, through this article we will provide you information about top 10 credit cards in India like Best Credit Card In India, Top Credit Card List 2024. If you will also tell the process of taking credit card, then you read this article till the end.
Friends, in the present time, credit card has become an important part of everyone’s life, which you can use to fulfill your personal needs such as recharge, bill payment, online shopping, online payment etc. Many times we think about taking a credit card, but due to lack of correct information, we take any credit card card, later we come to know that the credit card we have taken does not have that facility for which For this we had taken a credit card. So friends, in order to overcome this problem of yours, we will inform you about the list of top credit cards in India, conditions for taking credit cards, etc.
Best Credit Card In India 2023
| Credit Card Name | Annual fee | Best for these expenses |
| Amazon Pay ICICI Bank Credit Card | Zero | shopping online |
| Axis Bank Ace Credit Card | ₹ 499 | cashback |
| Citi Premier Miles Credit Card | ₹ 3,000 | Air travel |
| Flipkart Axis Bank Credit Card | ₹ 500 | shopping online |
| HDFC Bank Diners Club Privileges | ₹ 2,500 | Travel & Lifestyle |
| HDFC Millennia Credit Card | ₹ 1,000 | cash back |
| HDFC Regalia Credit Card | ₹ 2,500 | Shopping & Travel |
| HSBC Cashback Credit Card | ₹ 750 | cash back |
| SBI Card Elite | ₹ 4,999 | Shopping, Travel & Movies |
| Standard Chartered Digi-Smart | ₹ 49 per month | shopping online |
Top 10 Credit Card List 2024 by Bank Name
- SBI Credit Card
- RBL Credit Card
- Bajaj Finserv Credit Card
- Citibank Credit Card
- ICICI bank credit card
- Standard Chartered Bank Credit Card
- HSBC bank credit card
- Punjab National Bank Credit Card
- Yes bank credit card
- Indusind bank credit card
- Axis Bank Credit Card
- Kotak Mahindra Bank Credit Card
- American express credit card
Credit Card in India for Less Income Persons
Whenever you are thinking of getting a credit card, then how are there some credit cards which are available even to the people with minimum income whose names are as follows.
- Axis Bank Ace Credit Card – Depends on the applicant
- SBI Card Elite
- HDFC Regalia Credit Card
- Flipkart Axis Bank Credit Card
- Standard Chartered Digi-Smart
- HSBC Cashback Credit Card
- HDFC Bank Diners Club Privileges
- Amazon Pay ICICI Bank Credit Card
- CITI Premier Miles Credit Card
- HDFC Millennia Credit Card
Top 6 Free Credit Cards in India
1. ICICI HPCL Coral Credit Card
Minimize your fuel bills by earning maximum rewards
- Annual Fee: ₹199
- privileges and perks
- Earn 2 PAYBACK Points on every 100 purchases (excluding fuel)
- You can redeem 2000 Payback Points in one go which will be worth ₹ 500
- With every fuel purchase at HPCL, you can earn 2.5% cashback and 1% surcharge waiver
- At least 15% savings on meals at over 800 restaurants across India, courtesy Culinary Treats Program
- 2.5% cashback on refueling at HPCL stations on minimum transaction of ₹500
2. Axis Bank Smart Traveler Credit Card
Receive a card that comes with additional travel benefits to reward your travels
Annual Fee: ₹ 250 (can be waived within 45 days at an expense of ₹ 2,500)
privileges and perks
- 8 points for every ₹200 spent on credit cards while traveling abroad
- 200 points spent anytime on Hotels, Holiday Packages, Airlines, Train and Bus Bookings in India
- 2 points for every ₹200 spent on credit cards in India
- 1% fuel surcharge waiver on all fuel transactions in India with Axis Bank Titanium Credit Card
- Valid only on transactions between ₹ 400 and ₹ 4,000
- Maximum benefit up to ₹ 400* per month
- Get 15% Off On Dining At Partner Restaurants In India
3. Standard Chartered Platinum Rewards Card
Get ready to enjoy the best reward programs with unmatched lifestyle benefits.
Annual Fee: ₹ 250 (the fee along with applicable GST will be reversed on the first transaction made by a customer within 90 days of the card set-up date)
- Earn 1000 reward points as a reward offer, worth ₹300 on BookMyShow vouchers on 360 rewards
- Get 5X Reward Points on fuel, food and other hotel expenses in India
- Earn 1 reward point for every ₹150 spent on other categories
- 1 reward point is equal to ₹ 0.30
- Avail 20% cashback on all Uber rides, up to ₹600 in a month. However, to take advantage of this,
- Total monthly expenditure in the calendar month should be more than ₹ 15,000
4. Saral SBI Card
Annual Fee: ₹ 499
People also look for Top 10 Travel Credit Cards in India: Travel More Save More!
- 10X reward points per ₹100 spent on food, movies, departmental stores and groceries
- 2,000 bonus points for spending ₹2,000 in the first 60 days
- Annual fee reversal if you spend 90,000 and above annually
- 1% fuel surcharge waiver across all petrol pumps for transactions between ₹ 500 – 3,000
- Earn 1 reward point for every ₹100 spent using this card
- Get ₹ 100 cashback on your first ATM cash withdrawal
5. HDFC moneyback card
Get cashback on everyday spending with HDFC Moneyback Card
Annual Fee: ₹ 500
- Get 2x Reward Points on Online Spending
- Spend ₹ 50,000 in a quarter and get ₹ 500 e-voucher
- Redeem rewards in the form of cashback
- 2 reward points on 150 spend
- Enjoy up to 1% fuel surcharge waiver on all fuel transactions above ₹400
- Enjoy 50 days long interest free period from the date of purchase
6. Citibank Cashback Credit Card
Now paying your bills has never been as beneficial as it has been with Citibank Cashback Credit Card.
Annual Fee: ₹ 500
- For purchases up to ₹2,000 without entering PIN at merchant terminal
- 5% cashback on all movie ticket purchases subject to a maximum cap of ₹100 per month
- 5% cashback on all utility bill payments made through Citibank Online Bill Pay
- 5% cashback on all telephone bill payments
- 0.5% cash back on all other expenses
- Save up to 15% at participating restaurants
- Simple Redemption Policy
- Get redemption in multiple of ₹500
- Get your cash back easily and automatically in the form of a statement credit
- Multiple Repayment Options
Top 5 Credit Card in India – My Choice
- SBI Unnati Credit Card
- Airtel Axis Credit Card
- Paytm SBI Credit Card
- Mi Credit Loan App
- Stashfin Credit Line Card
Why should you have a credit card?
In addition to being easy to use, having a credit card is essential for the following reasons:
- Helps in building a good credit score
- Helps in making easy transactions both online and offline.
- Comes with attractive rewards, cashback, discounts, offers etc.
- Credit-free period of up to 45 days
- Comes in handy in emergency situations.
- All transactions are secure as they require OTP and PIN verification.
- With its help, you can make big purchases and pay later through EMI.
Disadvantage of credit card
- A credit card has a variety of hidden charges that can add up over time. Loans and fees apply to credit cards, such as late fees, membership fees, and processing fees.
- Failure to pay on time with the card may result in penalties, and sometimes late payments can lower your credit limit, which can lower your credit score and reduce your future credit opportunities. There may be danger.
- The interest rates on credit cards are very high. If you do not pay your bills by the due date, the balance will be carried forward, and a substantial interest will be charged on it. And on purchases made after the interest-free period, this interest accrues over time.
- Credit card fraud can happen to everyone, even if it is rare. It is now also quite possible to clone the card and gain access to confidential information, allowing another person or organization to transact on your card.
- Check your bank records for odd investments and notify them immediately if card theft is suspected. Usually, if the copy is presented, the bank can waive the charge on the card, after which you will not be responsible for the robbery transaction.
My Last Word:
Friends, through this article, we have provided you a list of the best credit cards in India, from where you can get your credit card made on minimum documents, I hope today’s article will be helpful for you, for more information you can contact us. You can follow on social media platforms.
Disclaimer: Choose the credit card as per your requirement, as the credit card offers different categories as per the requirement of the customer like travel, personal need, cashback offer, reward offer, etc. Do not share your M-PIN, CVV, CARD NO with anyone.