Top Credit Cards

Find a comprehensive list of popular credit cards available in India right now along with the key features at a glance. You can further narrow down the list basis your needs by using our “Card4U” filter tool. Also use SpendWisely’s Star Rating to eliminate “not-so-good cards”.

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Reward Points, Airmiles or Cashback
Annual Fee including GST (INR)
Annual Spend Target for Fee Waiver (INR)
Annual Income for Eligibility (INR)
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Showing 1–6 of 24 results

(4/5)

RBL Bank World Safari Credit Card

(4/5)
Best For :
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 3540
Base Reward Rate
1%
Accelerated Reward Rate
3.42%
(4/5)
Categories:
Categories:

RBL Bank World Safari Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 3540
Base Reward Rate
1%
Accelerated Reward Rate
3.42%
More Details
RBL Bank Indian Oil Xtra Credit Card , RBL ndian Oil Xtra Credit Card
(4/5)

RBL Bank Indian Oil Credit Card

(4/5)
Best For :
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
5%
RBL Bank Indian Oil Xtra Credit Card , RBL ndian Oil Xtra Credit Card
(4/5)
Categories:
Categories:

RBL Bank Indian Oil Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
5%
More Details
RBL Bank Indian Oil Xtra Credit Card , RBL ndian Oil Xtra Credit Card
(4/5)

RBL Bank IndianOil XTRA Credit Card

(4/5)
Best For :
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 1770
Renewal fee
(INR including GST)
₹ 1770
Base Reward Rate
1%
Accelerated Reward Rate
7.5%
RBL Bank Indian Oil Xtra Credit Card , RBL ndian Oil Xtra Credit Card
(4/5)
Categories:
Categories:

RBL Bank IndianOil XTRA Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 1770
Renewal fee
(INR including GST)
₹ 1770
Base Reward Rate
1%
Accelerated Reward Rate
7.5%
More Details
(2.6/5)

ICICI Bank Coral Credit Card

(2.6/5)
Best For :
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
(2.6/5)
Categories:
Categories:

ICICI Bank Coral Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
More Details
(2.6/5)

ICICI Bank Rubyx Credit Card

(2.6/5)
Best For : ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 2360
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
(2.6/5)
Categories:
Categories: ,

ICICI Bank Rubyx Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 2360
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
More Details
(2.6/5)

ICICI Bank Sapphiro Credit Card

(2.6/5)
Best For : ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 7670
Renewal fee
(INR including GST)
₹ 4130
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
(2.6/5)
Categories:
Categories: ,

ICICI Bank Sapphiro Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 7670
Renewal fee
(INR including GST)
₹ 4130
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
More Details

FAQs

Accordion Content
A credit card is a financial tool issued by banks that allows you to borrow money to make purchases, up to a pre-approved credit limit. You need to repay the borrowed amount, usually with interest, by the due date specified by the bank.
You can apply for a credit card online through the bank’s website or through platforms like SpendWisely. Alternatively, you can visit a bank branch and apply in person. You will need to submit necessary documents like proof of identity, address, and income.
Eligibility criteria can vary by bank, but generally, you need to be at least 18 years old, have a stable income, and a good credit score. Banks may also consider your employment status and existing debt obligations.
The credit limit is the maximum amount you can borrow using your credit card. This limit is determined by the bank based on factors such as your income, credit score, and repayment history. It’s important to stay within your credit limit to avoid penalties.
Interest rates on credit cards can vary widely depending on the bank and the type of card. Typically, interest rates range from 2% to 4% per month. Paying your balance in full each month can help you avoid interest charges.
The grace period is the time between the end of your billing cycle and the due date for your payment. During this period, you won’t be charged interest on your purchases, provided you pay your balance in full by the due date. The grace period usually ranges from 20 to 50 days.
Common fees include annual fees, late payment fees, cash advance fees, over-limit fees, and foreign transaction fees. It’s important to read the terms and conditions of your credit card to understand all potential fees.
To improve your credit score, pay your credit card bills on time, keep your credit utilization low (ideally below 30%), and avoid applying for multiple credit cards in a short period. Regularly monitoring your credit report can also help you stay on track.
If your credit card is lost or stolen, immediately contact your bank’s customer service to report it. The bank will block the card to prevent unauthorized transactions and issue a replacement card.

How can I use my credit card wisely?

 

  • Pay your bills on time and in full each month.
  • Keep track of your spending to stay within your budget.
  • Use your card for essential and planned purchases.
  • Take advantage of rewards and cashback offers without overspending.

 

By following these tips and understanding the basics of credit card usage, you can make the most of your credit card while maintaining financial health. For more detailed reviews and comparisons of credit cards, explore our website www.spendwisely.in.

“Empowering informed credit card decisions. Spend smarter, save better, and live brighter with SpendWisely. Get more for less!”

 

Non-Commercial Blog: This website is a non-commercial, informational blog that provides independent reviews of credit cards. We do not post sponsored content, and we kindly request that you refrain from contacting us for sponsorship opportunities.

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Affiliate Disclosure and Editorial Integrity: While this is an informational blog, some of the links on this site may be referral links. If you click on these links and apply for a credit card, we may receive a referral bonus. However, this does not influence our articles or reviews. Our commitment is to provide accurate information, along with honest and unbiased opinions based on thorough research and expertise.

“Not a Financial Advice” Disclaimer: The content provided on this website is for informational purposes only and should not be construed as financial advice. We are not financial advisors, and the information presented here does not constitute professional financial advice, legal advice, or any other type of advice.

Information Accuracy Disclaimer: We endeavour to present the most accurate information possible. However, features and benefits of credit cards and other financial products may undergo changes over time. Despite our best efforts, the information provided on this website may become outdated.

Third-Party Trademark Disclaimer: All third-party trademarks, including logos and brand names, featured on this website are the property of their respective owners. The use of these trademarks does not imply any affiliation with or endorsement by the trademark holders. We do not claim ownership of any third-party trademarks displayed on the site, and they are used solely for informational and review purposes.

Accordion Content
Affiliate Disclosure and Editorial Integrity: While this is an informational blog, some of the links on this site may be referral links. If you click on these links and apply for a credit card, we may receive a referral bonus. However, this does not influence our articles or reviews. Our commitment is to provide accurate information, along with honest and unbiased opinions based on thorough research and expertise.

The content provided on this website is for informational purposes only and should not be construed as financial advice. We are not financial advisors, and the information presented here does not constitute professional financial advice, legal advice, or any other type of advice.

We endeavour to present the most accurate information possible. However, features and benefits of credit cards and other financial products may undergo changes over time. Despite our best efforts, the information provided on this website may become outdated.

All third-party trademarks, including logos and brand names, featured on this website are the property of their respective owners. The use of these trademarks does not imply any affiliation with or endorsement by the trademark holders. We do not claim ownership of any third-party trademarks displayed on the site, and they are used solely for informational and review purposes.

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Designed & Developed By The Brand Projects