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Overview

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Credit cards provide an easy and reliable means to access money, especially for large purchases without depleting your savings. They offer greater convenience and security compared to carrying cash. Furthermore, credit cards typically come with enhanced fraud protection compared to debit cards, making them a safer option for everyday transactions. Their added features allow users to enjoy peace of mind when making purchases, whether online or in-store, while also offering additional benefits such as rewards programs and purchase protections that debit cards usually don’t provide.

A credit card allows you to spend within a limit set by your issuer, giving you 45 to 50 days to repay the balance after a purchase. This makes it a convenient option for buying items that may be beyond your immediate budget. Additionally, credit cards offer attractive rewards and discounts on your spending. Contrary to common belief, using a credit card wisely doesn't lead to debt. By managing your payments responsibly.

While every credit card offers various perks and rewards, not all are the same. Selecting the right credit card can be tricky due to the range of features and potential hidden fees. It's essential to thoroughly understand what each card provides before making a decision. By conducting proper research and comparing options, you can find a credit card that aligns with your spending habits and financial goals, ensuring you maximize its benefits without encountering unexpected costs.

Benefits & Features

emi conversion
EMI
conversion :

One of the most convenient features of credit cards is the EMI conversion option. If you make a large purchase, this feature allows you to convert the amount into easy-to-manage monthly installments (EMIs), helping you repay the amount comfortably over time without putting a strain on your finances.

Attractive
Rewards :

Many credit cards offer a range of lifestyle and travel benefits, such as retail cashback, discounts on travel, hotel deals, air miles, airport lounge access, and dining and entertainment offers. With Finbros Capital Advisory, you can discover the best credit cards in India that provide top-tier rewards.

Surcharge
waivers :

Certain credit card providers offer exclusive surcharge waivers for cardholders who spend a set amount on fuel each month. This can help reduce your overall fuel expenses significantly. To find the best credit card for fuel in India, turn to Finbros Capital Advisory.

Personal loan
facility :

If you require urgent funds, you can take advantage of the personal loan facility available on your credit card. This loan is offered by your credit card provider, typically based on your spending habits and repayment history.

Boost credit
score :

If you're new to managing finances, credit cards can be an effective way to build and improve your credit score. By using your credit card responsibly and ensuring timely payments of all dues, you can gradually enhance your creditworthiness.

ATM
withdrawals :

You can conveniently withdraw cash from an ATM using your credit card, though a nominal fee applies. This feature makes your credit card a valuable resource for maintaining liquidity during emergencies or when immediate cash is required.

Credit Cards with Rewards and Annual Fees

We offer the following credit cards (and more) in partnership with top banks in India.

Name

Rewards

Annual Fees

Millennia Credit Card

Earn up to Rs 2250 cash back every month

Get 5% cashback up to Rs 750 every month on PayZapp and SmartBuy transactions

Receive 2.5% cashback up to Rs 750 every month on online transactions. Conditions apply.

Get 1% cashback up to Rs. 750 per month on all other spends including wallet transactions

Earn 1% fuel surcharge waiver up to Rs. 250 every payment cycle

Get up to 8 complimentary domestic lounges every calendar year

Accrue cashback as cash points which can be redeemed. 1 rupee earned from cashback converts as 1 reward point

Rs 1000 plus taxes
Apply Now

IndianOil HDFC Bank Credit Card

Earn 5% of spends as fuel points at Indian Oil fuel bunks (up to 250 fuel points every month for 6 months and then max 150 fuel points per month after first 6 months)

Earn 5% of spends as fuel points when shopping for groceries and paying utility bills (up to 100 fuel points per month)

Get 1 fuel point for every Rs. 150 spent on other purchases

Redeem collected fuel points for free fuel with the IndianOil XTRAREREWARDS Programme where you convert fuel points into XRP points which can be redeemed at participating outlets. (1 fuel point = 3 XRP = Rs 0.96)

Get fuel point redemption against cashback and on rewards (1 fuel points = Rs 0.20)

Rs 500 plus taxes
Apply Now

MoneyBack Credit Card

Get 4 reward points for every Rs. 150 spent online (max 500 points every statement cycle)

Get 1% fuel surcharge waiver up to Rs. 250 per statement cycle

Receive 2 reward points for every Rs 150 spent

Receive gift vouchers up to Rs. 2000 every year

Redeem reward points against SmartBuy (flights and hotels) and cashback (100 reward points = Rs. 20)

Rs 500 plus taxes
Apply Now

InterMiles HDFC Bank Signature Credit card

Receive welcome benefit of up to 8,000 InterMiles and earn 6 InterMiles per every Rs.150 spent

Get InterMiles Silver tier membership for first year

Get 2X InterMiles for flights booked on www.intermiles.com & hotel booked via Interbook.intermiles.com

Get 16 Complimentary Domestic & 5 free International Lounge Access

Get flight and hotel discount vouchers worth Rs. 750 and Rs. 2000 for the first year.

Avail 5% and 10% discount on Etihad Airways Economy and Business Class tickets booked on Intermiles website and app

Get Dineout passport membership that offers 35% off on select restaurants (conditions apply)

Rs 2500 plus taxes
Apply Now

InterMiles HDFC Bank Platinum Credit card

Get welcome benefit of up to 3,000 InterMiles and earn 4 InterMiles per every Rs.150 spent

Earn 2x InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com

Get Rs. 1500 worth flight & hotel discount vouchers*

Get 8 complimentary domestic Lounge Access through the VISA Lounge Programme

Avail 5% discount on Etihad Airways Economy Class tickets booked through the Intermiles website and app.

Get Dineout passport membership that offers 35% off on select restaurants (conditions apply)

Rs 1000 plus taxes
Apply Now

Regalia

Earn 4 reward points for every Rs 150 spent

Earn 5% cashback on travel and Amazon spends on SmartBuy

Earn 10,000 rewards points on annual spends of Rs 5 lakhs per year.

Get 12 complimentary domestic lounge access through VISA/ Master Lounge Access Programme

Get 6 complimentary international lounge access using complimentary Priority Pass

Get complimentary Dineout Passport membership on spends of Rs. 75000 every year

Get low currency markup fee of 2% on international transactions

Get 1% fuel surcharge waiver up to Rs. 500 per billing cycle

Rs 2500 plus taxes
Apply Now

Business Regalia

Get up to 50 days interest free credit period on all purchases

Get 4 reward points for every Rs.150 spent

Get complimentary 6 international + 12 domestic airport lounge visits annually

Receive 5% cash back on telecom, electricity, railway, hotel, dining and taxi spends

Get double cashback on business essentials for current account holders (capped at Rs. 500 per month)

Get PoS rental reversal up to Rs. 1000 based on spends criteria

Get 15,000 bonus reward points on annual spends of Rs. 5 lakhs

Get 25% discount on dining bills along with complimentary Dineout Passport membership on spends worth Rs 75,000 in one calendar year

Get term loan eligibility for business purposes

Get fuel surcharge waiver of 1% between billing of Rs. 400 and Rs. 2000 (Maximum surcharge waiver of Rs 250 allowed per statement) No lost card liability and get emergency card replacement

Rs 2500 plus taxes
Apply Now

Infinia Credit Card

Get complimentary Club Mariott membership offering up to 20% discount on dining and stay at participating Mariott hotels within the Asia Pacific region.

Complimentary airport lounge access across the globe through the Priority Pass membership for both primary as well as add-on card holders

Complimentary and unlimited gold games with coaching at some of the best golf courses across the globe

Enjoy global personal concierge services 24x7

Get free Dineout Passport membership for 12 months and an additional 15% off on bill payments via Dineout Pay

Receive comprehensive protection of Rs. 3 crores air accidental cover and Rs. 50 lakhs emergency overseas hospitalization cover.

Rs 12,500 plus taxes
Apply Now

Business MoneyBack Credit Card

Earn 4 reward points on all e-commerce spends and 2 reward points on all PoS spends, except fuel where 1 reward point = Re 0.2

Get up to 50 days of credit free period

Earn 5% cashback on business essentials like utility, telecom, government and tax payments (capped at Rs. 250 per month on a minimum spend of Rs. 10,000)

Get double cashback on business essentials for current account holders (capped at Rs. 500 per month)

Earn 5X reward points on fuel (up to Rs. 1000 per month)

Get PoS rental reversal up to Rs. 1000 based on spends criteria

Earn 2500 bonus rewards points on annual spends of Rs. 1.8 lakhs

Get 25% discount on dining bills along with complimentary Dine Out Passport membership on spends worth Rs 30,000 in one calendar year

Get term loan eligibility for business purposes

Get fuel surcharge waiver of 1% between the billing of Rs. 400 and Rs. 2000 (max Rs. 250 waiver allowed per statement)

No lost card liability and get emergency card replacement

Rs 500 plus taxes
Apply Now

CSC Small Business MoneyBack

Get up to 50 days interest free credit period
Earn 4 reward for all e-commerce spends and 2 reward points for all PoS spends except fuel
Get 5X reward points on fuel spends
Earn 5% cash back on telecom, electricity, railway, hotels dining and taxi bookings
Get PoS rental reversal up to Rs. 1000 based on spends criteria
Get 1000 bonus reward points on annual spend of Rs 90,000
Get discounts up to 17.5% for payments made through Dineout Pay
Get term loan eligibility for business purposes
Get fuel surcharge waiver of 1% between the billing of Rs. 400 and Rs. 2000 (max Rs. 250 waiver allowed per statement)
No lost card liability and get emergency card replacement

Rs 250 plus taxes
Apply Now
Apply Now

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