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Frequently Asked Questions
Everything you need to know about choosing a credit card in India
- Which is the best cashback credit card in India?
- There is no single best cashback card — it depends on where you spend. A card that pays well on online shopping may offer poor returns at fuel pumps or grocery stores. The right approach is to map your top two or three spend categories first, then compare cards that reward those specifically. Joining fee, annual fee waiver conditions, and cashback caps all affect the real-world value.
- What is the minimum salary required for a credit card in India?
- Income eligibility varies by issuer and card variant. Entry-level cards typically require a lower monthly income, while premium and super-premium cards are issued to applicants with higher documented earnings. Eligibility also factors in your credit score, existing obligations, and employment type. The best way to know is to check eligibility for specific cards before applying.
- Are there any lifetime free credit cards in India?
- Yes, lifetime free (LTF) credit cards exist across multiple issuers in India — they carry no joining fee and no annual fee. However, LTF does not mean no strings attached. Some issuers convert LTF cards to fee-bearing variants after policy changes, while others maintain the fee waiver as long as you meet basic spend milestones. Always read the card's most current terms before applying.
- How do I choose the best credit card for travel in India?
- For frequent travellers, the key factors are domestic and international lounge access, forex markup fees, air mile or travel point earn rates, and trip insurance coverage. Cards with lower forex markup reduce costs on international transactions significantly. Evaluate whether you fly more on one airline or across carriers, since co-branded cards suit the former while general travel cards suit the latter.
- Does applying for a credit card affect my CIBIL score?
- Yes, a formal credit card application typically triggers a hard inquiry with credit bureaus, which can cause a minor, temporary dip in your CIBIL score. The impact is usually short-lived and diminishes over time. To avoid unnecessary hits, check your eligibility before applying — many platforms offer a soft-check that does not affect your score.
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