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Wednesday 18 May 2022

Top 10 credit cards in India which are easy to get

 Top 10 credit cards in India which 
are easy to get 

When it comes to credit card, every existent as a different purpose and to fulfill that you chose a card that suits you. There are many best cards available to pay your bills, offers a good discount on shopping website also where you can save money on transactions.
We will help you to choose among the best credit cards for your requirements so we have provided a list of some.

Axis Bank ACE Credit Card

This card has a number of welcome benefits that you can pay your fee of the card just by using those welcome benefit in the first year. It is vertiably different from the Axis Bank ACE Card except in the number of welcome benefits.

Joining Fee: INR 499+ 18% GST, If you spend more than INR 10000 within 45 days of  card issuance then no annual fee will be charged.

Annual Fee: INR 499+ 18% GST, annual fee refused on an annual spend of more than INR 2,00,000.

Welcome Benefit: Get INR 500 cashback if you spend more than INR 10000 in first 90 days.

Flipkart Axis Bank Credit Card

This card is the partnership card  of  Flipkart and Axis Bank has a lots of welcome benefits and you can realize that  your fee of  the card in the first year is paid by using those welcome benefits. 

Joining Fee: 500 + 18% GST

Annual Fee: 500 + 18% GST ( If you spend more than  INR 200000 then no annual fee will be charged.)

Welcome Benefits:

1. On your first transaction with the  credit card you get flipkart vouchers worth  INR 500. 

2. Gaana Premium at a discounted price of INR 399 for 15 months.

3. The Phy Life -20% off up to INR 500 

4. Get 20% off up to INR 500 on Plum Goodness.

5. On your first transaction with the  credit card  you get Myntra Voucher of 15% cashback. 

SimplyCLICK SBI Credit Card

The Simply CLICK Credit Card can be called a basic-point card for online shopping, which is economically compared to the cards of the same category. 

It's mainly for those users who like to saving and earning rewards point on online shopping.

Joining Fee: INR 499+ taxes

Annual Fee: INR 499+ taxes (this fee will be refused on a spend of INR 1,00,000)

Welcome Gift: On joining get gift card worth INR 500 

HDFC Millennia Credit Card

The HDFC Millennia Credit Card was re-initiated on October 1, 2021. New feature were added  to make the user interface simple and easy to use. Cards issued before the updated one will be renewed  with new features. The bank has partnered with some of the most prominent brands in the market to offer Cash Points worth 5% of the spending on each purchase, which makes it unique.

Joining Fee: INR 1,000 + taxes

Annual Fee: INR 1,000 + taxes

Welcome Benefits: If cardholder pays the annual fee he gets 1000 cashpoints.

If you do not pay  the annual fee the benefit of 1000 cash point stands zero.if he cardolder spends more than  INR 100000 in the year of the cards issuance in such case no annual fee will be charged by eliminating the welcome benefit.

HDFC Regalia Credit Card

Regalia is the HDFC's best premium credit card as it is cheaper than the other premium cards and provides the best facilities that a premium card give you and comparatively to other cards in limited manner.

Ideally the card is for them who mostly travel by air, do foreign investments, online shopping and dine outside.

Joining Fee: INR 2,500+ 18% GST

Annual Fee: INR 2,500+ 18% GST; This fee is refused to pay  if you spend more than INR 3 lakh in the first year of having the card and renew it for the next year.

Welcome Benefit: As  you pay the annual membership you get 2500 Cash points always.

SBI SimplySAVE Credit Card

SBI launched SimplySAVE credit card in March, 2018, to ease the needs of young customers who like to dine out, love shopping and are frequent visitors to malls and movie theatres. This card  has same features of both online and offline shopping  Simply put, SBI Simply CLICK is model for online shopping and SimplySAVE is for offline shopping.

The fees for the card is not much costly it's easy to apply.

Joining Fee: INR 499 + taxes

Annual fee: INR 499 + taxes (If an annual spend of more  than INR 100000 then no charges for the renewal fee)

Welcome Benefits:

  • On spending more  than INR 2000 in first 60 days you get 2,000 bonus Reward Points. The offer is only valid for the new  cards not for upgraded , replaced or renewed.
  • These  bonus points are credited within 60 days of the liable transactions.
  • You get maximum 2000 points per SBI card.


  •  SBI prime is a premium credit card launched by SBI in 2017. Other than premium cards this card is more accessible. These cards are available in three forms VISA, Mastercard and American Express with these there comes a minute difference  in the facilities provided by these companies such as Club Vistara membership to airport lounges.
  • Annual Fee:

  • An annual charge that has to be paid every year of INR 2,999 + taxes.

  • No annual charge if annual spend is  more than INR 3 lakh.

  • Welcome benefit: 

    • From any of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and you get E-gift voucher worth INR 3,000.

    RBL Bank ShopRite Credit Card 

    Relatively it is new bank card but though it is in the list because some features of the card are noteworthy. This card gives reward points on purchase of fuel there are only few cards that do it. This card is  mainly designed for the grocery shopping and gives most of the points in this segment.

    Joining fees: At the end of the year the cardholder  has to pay INR 500.

    Welcome Benefits: 2,000 Reward Points within 30 days of card issuance one have  to do a purchase to redeem the gifts.

  • Axis Bank Buzz Credit Card 

    This card was launched in partnership with flipkart in November 2017. It concentrates n online shopping and the reward is also in the form of Flipkart vouchers. Those who actively shop from Flipkart can get upt 20% discount.

Annual Fee

INR 750 + 18% GST, in the start of 2nd year.

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Important: Please always Check and Confirm the above details with the official website and Advertisement / Notification.


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