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Credit cards are those tiny bits of plastic that can give you a sense that you are a financial wizard or the universe's master. They act as the modern equivalent of magical wands, giving you the power to buy now and pay off later, all while receiving rewards, discounts, and other amazing benefits.
It's like having a miniature genie in your pocket that grants all of your shopping desires while keeping your budget in check. And when it comes to the daily use of credit cards in India, we have some gems to share with you!
The correct credit card may make all the difference in a world where swiping has become routine, and chip-and-pin has replaced searching through pockets for coins. Finding the ideal plastic companion, though, may be just as difficult as decoding a messy shopping list due to the abundance of options available.
Best Credit Card for Daily Use
1. IDFC FIRST Bank Select Credit Card
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Our top pick for the day would undoubtedly be the IDFC FIRST Bank Select Credit Card. This card is the genie we were talking about, the perfect lifestyle companion who will support your finances like no other card. With a reasonable joining fee of ₹500, you get a bunch of benefits like travel, movie, golf, dining benefits, and much more.
Features
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Welcome Bonus |
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Fuel Surcharge Waiver |
Get a 1% surcharge waiver on fuel transactions with the maximum discount capped at ₹300. |
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Travel Benefits |
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Insurance Benefits |
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Dining Benefits |
Get up to 20% off at more than 1,500 restaurants. |
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Entertainment Benefits |
Enjoy the buy one get one offer on movie tickets up to ₹250 on the Paytm mobile app twice a month. |
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Reward Benefits |
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Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
1.99% |
Eligibility
Applicant’s age should be at least 21 years, and they must have a decent monthly income.
2. HDFC Bank Regalia Credit Card
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The HDFC Regalia Credit Card offers exclusive privileges and benefits, including airport lounge access, hotel discounts, cashback offers, travel insurance, fuel surcharge waivers, emergency assistance services, and concierge services. With annual charges of ₹2,500, the card provides 2,500 bonus reward points and offers benefits across lifestyle, travel, and dining categories.
Features
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Fuel Surcharge Benefit |
Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5000. |
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Lounge Benefits |
Enjoy 12 complimentary lounge access per calendar year within India. |
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Milestone Benefits |
Get 10,000 bonus reward points on spending ₹5 lakhs and an additional 5,000 reward points on spending ₹8 lakhs in an anniversary year. |
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Dining Benefits |
Enjoy discounts of up to 20% on all your restaurant bill payments made via Swiggy Dineout (20k+ restaurants) |
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Insurance Benefits |
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Zero Liability Cover |
In the unfortunate event of losing the card, on reporting it immediately, the cardholder is not liable for any fraudulent transactions made on the credit card. |
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Reward Benefits |
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Fees and Charges
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Joining Fees |
₹2,500 |
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Annual Fees |
₹2,500 |
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Annual Percentage Rate |
43.20% |
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Foreign Transaction Fees |
2.00% |
Eligibility
The applicant’s age should be at least 21 years.
- If the applicant is a salaried employee, then their monthly income should be at least ₹1 Lakhs.
- If the applicant is self-employed, then their filed ITR should be at least ₹12 Lakhs.
3. ICICI Bank Coral Credit Card
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ICICI Bank Coral Credit Card is a pretty decent lifestyle card option, as you get all kinds of benefits with a single card. With the Culinary Treats programme, you can use this card to save up to 20% on your eating expenses at more than 2,500 restaurants around India.
Additionally, you receive a fuel fee waiver, free access to several airport lounges, PAYBACK points on all purchases, and much more.
Features
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Dining Benefit |
Get a 20% discount (up to ₹750) on a minimum bill value of ₹3,000 at EazyDiner. |
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Lounge Benefits |
Get 1 complimentary access per quarter to select domestic airport lounges by spending a minimum of ₹5,000 or above in the previous calendar quarter. |
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Entertainment Benefits |
You can get a 25% discount up to ₹100 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox. |
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Fuel Surcharge Waiver |
Get a 1% waiver on fuel surcharge. |
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Insurance Benefits |
Air accident insurance: ₹3 crores |
Fees and Charges
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Joining Fees |
₹500 |
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Annual Fees |
₹500 |
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Annual Percentage Rate |
40.80% |
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Foreign Transaction Fees |
3.50% |
Eligibility
The applicant should be at least 18 years old and have a stable monthly income.
4. Axis Bank Neo Credit Card
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The Axis Bank Neo Credit Card comes with a number of advantages, such as discounts on Zomato, Blinkit, Amazon Pay, and Myntra, as well as instant discounts on movie tickets and gift vouchers. This entry-level credit card gives cash-back, reward points, special introductory perks, and much more. The card comes with special bonuses like Amazon vouchers, a free Zomato Pro subscription, and Grofers memberships worth more than the joining price, all for a one-time fee of ₹250.
Features
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Welcome Bonus |
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Dining Benefits |
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Entertainment Benefits |
Enjoy 10% off on Bookmyshow. |
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Zero Liability Protection |
If the card is lost or any fraudulent transactions are reported within the stipulated period of time, you receive a zero liability protection cover. |
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Other Benefits |
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Fees and Charges
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Joining Fees |
₹250 |
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Annual Fees |
₹250 |
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Annual Percentage Rate |
52.86% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant's age should be between 18 and 70 years, and they should have a stable income.
Conclusion
And there you have it, a quirky and comprehensive guide to the best daily use credit cards in India. From the luxurious to the digital, from the lifestyle upgrades to the fuel savers, these credit cards are your companions on the journey of financial freedom and smart spending.
So, what's the next step?
We know real-life companions are hard to find, but with Finology Select, you can find your perfect financial companion—of course, credit cards—in just a few clicks. So, don't wait any longer; visit Select and find, compare, and apply for the credit card that suits you the best.
