Best Credit Card for Daily Use

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, maybe 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

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

Welcome Bonus	Get gift vouchers worth ₹500 once you spend ₹15,000 within the first 90 days of issuing your card. Get a 5% cashback on the first EMI transaction if performed within the first 90 days of setting up your card.
Fuel Surcharge Waiver	Get a 1% surcharge waiver on fuel transactions with the maximum discount capped at ₹300.
Travel Benefits	Enjoy 4 complimentary lounge visits per quarter at selected domestic airports. Enjoy 4 complimentary railway lounge access every quarter. Get complimentary roadside assistance worth ₹1,399.
Insurance Benefits	Air Accident Cover: ₹1 Crore Travel: ₹22,500 Accident Cover: ₹5,00,000 Lost Card Liability: ₹50,000
Dining Benefits	Get up to 20% off at more than 1,500 restaurants.
Entertainment Benefits	Enjoy the buy one get one offer on movie tickets up to ₹250 on the Paytm mobile app twice a month.
Reward Benefits	Earn 6 reward points for every ₹150 you spend online and 3 reward points for every ₹150 you spend offline below ₹20,000 a month. Also, you get 10 reward points for every ₹150 you spend above ₹20,000 a month and on your birthday. *Each reward point is worth ₹0.25.

Fees and Charges

Joining Fees	Free
Annual Fees	Free
Annual Percentage Rate	42.00%
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

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

Fuel Surcharge Benefit	Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5000.
Lounge Benefits	Enjoy 12 complimentary lounge access per calendar year within India.
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.
Dining Benefits	Enjoy discounts of up to 20% on all your restaurant bill payments made via Swiggy Dineout (20k+ restaurants)
Insurance Benefits	Accidental air death cover: ₹1 Crore Emergency overseas hospitalization: ₹15 lakhs Lost Card Liability Cover: ₹9 lakhs
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.
Reward Benefits	Earn 4 reward points on spending every ₹150 on retail purchases including insurance, utilities and education.

Fees and Charges

Joining Fees	₹2,500
Annual Fees	₹2,500
Annual Percentage Rate	43.20%
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

ICICI Bank Coral Credit Card is a pretty decent option for a lifestyle card, as you get all kinds of benefits in 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

Dining Benefit	Get a 20% discount (up to ₹750) on a minimum bill value of ₹3,000 at EazyDiner.
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.
Entertainment Benefits	Get a 25% discount up to ₹100 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox. *Offer can be availed twice a month.
Fuel Surcharge Waiver	Get a 1% waiver on fuel surcharge Offer valid on a maximum expenditure of ₹4,000 per transaction at all HPCL pumps.
Insurance Benefits	Air accident insurance: ₹3 crores

Fees and Charges

Joining Fees	₹500
Annual Fees	₹500
Annual Percentage Rate	40.80%
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

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

Welcome Bonus	Get an Amazon gift voucher worth ₹250. Zomato voucher worth ₹200. Blinkit voucher worth ₹250. 6-month subscription to Pharmeasy.
Dining Benefits	Get 15% off on dining at partner restaurants. Get 40% off on Zomato delivery. (Subject to a minimum order value of ₹1,500)
Entertainment Benefits	Enjoy 10% off on Bookmyshow. (maximum cashback: ₹100)
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.
Other Benefits	Get 5% cashback on mobile recharges, electricity bill payments, and DTH recharges made through Amazon Pay. Get 10% off on Blinkit - Up to ₹250 off on minimum spending of ₹750, valid once per month. Get 10% off every time you shop at Myntra on a minimum purchase value of ₹500

Fees and Charges

Joining Fees	₹250
Annual Fees	₹250
Annual Percentage Rate	52.86%
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 Select by Finology, you can find your perfect financial companion. Of course, we mean credit cards in just a few clicks. So, don't wait further, visit Select and find, compare and apply for the credit card that suits you the best.

Best Credit Cards for Daily Use

Best Credit Card for Daily Use

1. IDFC FIRST Bank Select Credit Card

2. HDFC Bank Regalia Credit Card

3. ICICI Bank Coral Credit Card

4. Axis Bank Neo Credit Card

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