Best Credit Cards in India– 2026
Warning: Credit cards are a luxury, not a necessity. If you can’t save monthly, focus on increasing income before applying. Misuse can harm your finances and mental peace.
Explore the Best Credit Cards in India from Trusted Banks
Smart Use, Hidden Charges & CIBIL Tips
Smart Credit Card Usage
- Use for Essentials Only: Groceries, fuel, bills — not impulsive shopping.
- Don’t Max Out: Keep usage below 30% of your credit limit.
- Track Your Spending: Use monthly statements to spot wasteful habits.
- Set Auto-Pay Reminders: Avoid late fees and keep your credit score healthy.
- Pay Full Amount, Not Minimum: Avoid interest charges by clearing your full bill every month.
Hidden Fees to Watch Out For
- Late Payment Penalties: ₹100–₹1,000 or more, plus interest.
- Cash Withdrawal Charges: Up to 2.5% + interest from day one.
- Over-limit Fees: Charges if you exceed your credit limit.
- Joining & Annual Fees: ₹500–₹12,000/year.
CIBIL Score Tips
- Low Score? Try secured cards or cards for first-time users.
- Avoid Multiple Applications: Too many inquiries hurt your score.
- Build Credit History: Use your card regularly and pay on time.
- Ideal Score: Above 750 is best for loan approval and premium credit cards
Frequently Asked Questions
A credit card lets you borrow money up to a limit to make purchases. You pay back later, ideally within the billing cycle to avoid interest.
Joining fee
Annual fee
Late payment charges
Cash withdrawal fee
Foreign transaction markup
A score above 750 is considered excellent. It improves your chances of approval and better credit limits.
Pay full bill, not minimum
Avoid cash withdrawals
Track spending
Use reward points wisely
You’ll face:
Late fees
Interest charges
Negative impact on CIBIL score
Popular options include:
SBI SimplySAVE
ICICI Amazon Pay
Axis MyZone
Every month. Look for:
Unusual charges
Hidden fees
Reward point expiry