Regalia Credit Card
HDFC
Annual Fee :
Rs. 2500/- + Taxes.
Joinnig Fee :
Rs. 2500/- + Taxes.
Save More On :
Reward Points
Instant Approval
Annual Fee :
Rs. 2500/- + Taxes.
Joinnig Fee :
Rs. 2500/- + Taxes.
Save More On :
Reward Points
Instant Approval
Lounge Access
A. Complimentary Airport Lounge Access within India
B. Priority Pass
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations across India
( on minimum transaction of ₹400 and maximum transaction of ₹5000 )
Annual Fee :
Rs. 1499 + GST
Joinnig Fee :
Rs. 1499 + GST
Save More On :
Travel & Fuel
Instant Approval
Annual Fee :
Rs. 1499 + GST
Joinnig Fee :
Rs. 1499 + GST
Save More On :
Travel & Fuel
Instant Approval
Annual Fee :
₹500/- + Applicable Taxes
Joinnig Fee :
₹500/- + Applicable Taxes
Save More On :
Most Rewarding Card
Instant Approval
Annual Fee :
Rs. 2500/- + Taxes.
Joinnig Fee :
Rs. 2500/- + Taxes.
Save More On :
Reward Points
Instant Approval
Annual Fee :
₹1,000/- + Taxes
Joinnig Fee :
₹1,000/- + Taxes
Save More On :
Best CashBack Credit Card
Instant Approval
Annual Fee :
Nil
Joinnig Fee :
Rs.5,000
Save More On :
Lifestyle, Dining, Rewards, and Travel
Instant Approval
Annual Fee :
Nil
Joinnig Fee :
Rs.3,000
Save More On :
Travel and Lifestyle
Instant Approval
Annual Fee :
Nil
Joinnig Fee :
Rs.500
Save More On :
Travel, Lifestyle, Dining and Shopping
Instant Approval
Annual Fee :
Rs. 1499 + GST
Joinnig Fee :
Rs. 1499 + GST
Save More On :
Travel & Fuel
Instant Approval
Annual Fee :
Rs. 1499 + GST
Joinnig Fee :
Rs. 1499 + GST
Save More On :
Travel & Fuel
Instant Approval
Annual Fee :
₹500/- + Applicable Taxes
Joinnig Fee :
₹500/- + Applicable Taxes
Save More On :
Most Rewarding Card
Instant Approval
Annual Fee :
Rs. 2500/- + Taxes.
Joinnig Fee :
Rs. 2500/- + Taxes.
Save More On :
Reward Points
Instant Approval
Annual Fee :
₹1,000/- + Taxes
Joinnig Fee :
₹1,000/- + Taxes
Save More On :
Best CashBack Credit Card
Instant Approval
Annual Fee :
Nil
Joinnig Fee :
Rs.5,000
Save More On :
Lifestyle, Dining, Rewards, and Travel
Instant Approval
Annual Fee :
Nil
Joinnig Fee :
Rs.3,000
Save More On :
Travel and Lifestyle
Instant Approval
Annual Fee :
Nil
Joinnig Fee :
Rs.500
Save More On :
Travel, Lifestyle, Dining and Shopping
Instant Approval
A credit card is a handy way to meet immediate expenses when you are low on cash flow. A credit card gives you access to funds for any purchase or expenses based on your limit. Following this, you get a month to make repayments towards the used up limit.
Credit cards are also convenient for both online and offline transactions. You do not have to worry about carrying cash with you anymore. Not just that, you can enjoy several perks and benefits with every spend.
| Welcome Gift | Many banks offer a welcome gift to new credit card applicants once the card is issued to them in the form of bonus reward points, vouchers, discounts, etc. |
| Rewards Program | All credit cards generally have a reward program, which allows cardholders to earn reward points on every transaction they make using their cards. |
| Fuel Surcharge Waiver | Banks offer a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month. |
| Cashback Benefits | Many credit cards offer cashback benefits to the customers. |
| Lifestyle Benefits | Cardholders can enjoy various lifestyle benefits on their credit cards, such as offers on dining, shopping, wellness, entertainment, etc. |
| Travel Benefits | Travel benefits of credit cards include air miles, airport lounge access, travel insurance, airline offers, hotel offers, etc. |
| Airport Lounge Access | Some credit cards offer complimentary airport lounge access to cardholders. The offer varies from one bank to another. |
| Add-on Cards | Many banks allow their credit cardholders to apply for add-on credit cards for their immediate family members. |
| Insurance Coverage | Some premier cards provide a comprehensive insurance policy that provides coverage against air accidents, life, lost baggage, lost card, outstanding, etc. |
| Balance Transfer | Credit cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank. |
| Global Acceptance | Today, most credit cards that are issued in India are international credit cards and are accepted by various merchants all over the world. |
| EMI Conversion | The feature allows the credit card members to convert their credit card transactions into easy monthly instalments (EMIs). |
| Credit Score | Owning a credit card helps you build a healthy CIBIL score. By making timely payments on your card and in full, you receive a positive credit score for credit bureau, CIBIL. |
| Eligibility Criteria | Requirement |
| Nationality | Indian |
| Age | 18 years |
| Employment status | Salaried or Self-employed |
| Income | Depends on one bank to the other |
| Credit Score | Good credit score (700 and above) |
You can apply for a credit card, both online and offline. Due to the COVID-19 pandemic, the credit card application process has been digitized, making it simpler and faster.
You can Compare & Apply for a Credit Card on 99Creds by Following 4 Simple Steps:
Step 1: Compare credit card offers.
Step 2: Select from the top cards offered by leading Indian banks.
Step 3: Check your eligibility by entering a few personal details.
Step 4: Enjoy instant approval online after filling out your application form.
The following are some of the important tips on how to use a credit card:
If you have more than one credit cards, ensure you are using the right one based on your needs. For instance, use a travel credit card if you spend a considerable part of your income on travel such as booking flight tickets, hotels, and more. This way you can earn reward points.
One of the best ways to use credit cards is converting your purchases into EMIs and repay the bills as per your convenience.
Many lenders allow its credit card users to convert their unutilized credit limits into personal loans at a nominal interest. This helps credit card users to meet their urgent needs in no time.
Credit cards offer 2x reward points when you purchase online.
Banks allow its credit card users to redeem their reward points to get discounts on hotel bookings, flight tickets, etc. These reward points provide exclusive shopping vouchers, cashbacks and recharge voucher to the users.
A Credit card statement or (credit card bill) is generated every 30/31 days. The bill generation date depends on the date on which the card is first issued, and the same date will be followed for the subsequent months.
Besides the bill amount, which is also called the outstanding amount on the card, the statement also provides a detailed history of all the transactions conducted during the billing period.
It also reflects the total credit limit, available credit limit, cash limit, due date, and other related information. The statement is typically mailed to the cardholder’s registered e-mail address every month. However, if the total outstanding balance is less than a certain cut-off, say Rs. 200, no statement will be generated.
Every Credit Card has a revolving credit limit beyond which you cannot make any transaction. Banks approve these limits based on your eligibility. You cannot use the card for amounts exceeding your limit. The banks review the limits at the time of renewal. Based on the usage and repayment history, banks can enhance or reduce the limit.
The Add-On Credit Card is an additional credit card issued to the immediate family members of the principal applicant. The Add-On cards do not have any separate limits. Family members can use this card independently but within the limits of the primary Credit Card.
Every card has an interest-free period depending on the billing cycle and the due date for repayment. Usually, it is around 20 days to a maximum of 52 or 55 days. If you make the full payment on or before the due date, there is no interest. However, if you make a part-payment, the balance amount will attract interest. These credit card interest rates vary from bank to bank. Usually, it is in the range of 3% to 3.5% per month.
Debit cards enable spending money by drawing on funds you have deposited at the bank whereas credit cards allow you to borrow money from the card issuer up to a specific limit to purchase items or withdraw cash. Money is instantly deducted from your savings account if you transact with a debit card whereas in case of a credit card, you transact now and pay later on or before the due date.
Here is the list of best credit cards available in India basis on their categories, annual fees, and renewal fees. You can compare them and choose what suits you the best, depending on your need and budget.
| # | Credit Card Type | Category | Annual Fee | Joining Fee |
| 1 | BPCL SBI Card OCTANE | Travel & Fuel | Rs. 1499 + GST | Rs. 1499 + GST |
| 2 | IRCTC SBI Card Premier | Travel & Fuel | Rs. 1499 + GST | Rs. 1499 + GST |
| 3 | MoneyBack+ Credit Card | Most Rewarding Card | ₹500/- + Applicable Taxes | ₹500/- + Applicable Taxes |
| 4 | Regalia Credit Card | Reward Points | Rs. 2500/- + Taxes. | Rs. 2500/- + Taxes. |
| 5 | Millennia Credit Card | Best CashBack Credit Card | ₹1,000/- + Taxes | ₹1,000/- + Taxes |
| 6 | Legend Credit Card | Lifestyle, Dining, Rewards, and Travel | Nil | Rs.5,000 |
| 7 | Platinum Visa Credit Card | Travel and Lifestyle | Nil | Rs.3,000 |
| 8 | Platinum Aura Edge Visa Credit Card | Travel, Lifestyle, Dining and Shopping | Nil | Rs.500 |
| Identity Proof - Any one |
|
|---|---|
| Address Proof - Any one |
|
| Proof of Income - Salaried |
|
| Proof of Income - Self-employed |
|
| Other credit card documents |
|
Almost all Credit Cards have a cash withdrawal limit. You can withdraw instant cash up to the limit from any ATM. Banks charge a cash withdrawal fee on every withdrawal, which can range anywhere between 2.5% to 3.5% of the amount withdrawn. This cash advance facility attracts interest from day 1.
The banks review the limits at the time of renewal. Based on the usage and repayment history, banks can enhance or reduce the limit.
Every card has a CVV (Card Verification Value) number written on the reverse side of the card. It is usually a 3-digit number. American Express cards have a 4-digit CVV number embossed on the face of the card. The CVV number is an anti-fraud security feature.
Yes. Visa and Mastercard are widely accepted worldwide. However, it is better to ask your credit card provider about global acceptance of the card and bring a widely accepted credit card.
