Best 6 Credit Cards And Features In Indian

Best Credit Cards In Indian.

A credit card is a convenient financial product that can be help you in various financial crisis. its used for everyday purchases such as gas, groceries, and other goods and services. It’s also a great source for buying larger items like TVs, travel packages, and jewelry, as you may not always have the funds for such large items. Below are some of the benefits that many credit cards offer:

Benefits of Credit Card.

  • You don’t have to worry about how much money you have in hand. Credit card users can borrow money at a better interest rate.
  • If you have a strong credit history, like always purchase within the limit and close the payment at due time, Then you get qualify for the best credit cards, which include low interest rates, rewards and cash back.
  • Smartphone or cell phone upgrades are expensive. But if you have a good credit score, you may be allowed to finance the phone on favorable terms that allow a lower interest rate.
  • Some car insurance companies consider credit-based scores. You can’t be rejected outright based on credit, but you won’t have to pay higher premiums if your credit score is high.

Top 6 Credit Cards Features :

Top 6 Credit Cards

Annual Fee      Suited For

Required Minimum Income


Rs. 4,999 Shopping, Travel and Movies Rs. 60,000 p.m.
HDFC Regalia Credit Card Rs. 2,500 Travel & Shopping

Rs. 1 lakh p.m

Axis Bank Ace Credit Card

Rs. 499 Cashback offer Communication during sourcing
HDFC Millennia Credit Card Rs. 1,000 Cashback offer

Rs. 35,000 p.m.

HDFC Bank Diners Club Privilege

Rs. 2,500 Travel and Lifestyle Rs. 70,000 p.m.
HSBC Cashback Credit Card Rs. 750 Online Shopping

Rs. 33,333 p.m.

Average Credit Card Interest Rates :


Average Interest Rate

Recently Low Interest Rate

All Existing Accounts

14.56% 11.82% (Q3 2014)
All New Offers 18.97%

16.60% (Q1 2011)

Excellent Credit

13.96% 12.43% (Q3 2010)
Good Credit 19.89%

16.07% (Q3 2010)

Fair Credit

23.20% 19.18% (Q3 2012)
Business Cards 17.97%

15.11% (Q2 2012)