Easiest Credit Card to Get in India 2024

Easiest Credit Card to Get in India

Easiest Credit Card to Get in India: There are several credit cards that are considered to be easy to get in India, as they have low or no minimum income requirements and lenient approval criteria. Some best and easiest credit cards to get in India include:

1. Bajaj Finserv RBL Bank SuperCard

This card is available to those with a credit score of 600 or higher and has a low annual fee.

Key Benefits:

1. Welcome offer: cardholders can get up to Rs. 3,000 cashback on joining and shopping with the card.
2. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
3. EMI option: cardholders can convert their purchases into EMIs (Equated Monthly Instalments) at attractive interest rates.
4. International usage: The card can be used internationally and comes with no foreign currency transaction charges.
5. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.

2. IndusInd Bank Legend Credit Card

This card is available to those with a credit score of 750 or higher and has a low annual fee.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Complimentary access to airport lounges: cardholders can enjoy complimentary access to select airport lounges across India, with the option to bring in one guest free of charge.
3. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.
4. Zero Lost card liability: Cardholders are protected against any fraudulent transactions in case of loss or theft of the card.
5. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000

3. HDFC Bank MoneyBack Credit Card

This card is available to those with a credit score of 750 or higher and has a low annual fee.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Cashback: cardholders can earn cashback on every purchase made with the card, which can be credited to the card account or used to pay outstanding dues.
3. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.
4. Zero Lost card liability: Cardholders are protected against any fraudulent transactions in case of loss or theft of the card.
5. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000

4. Standard Chartered Bank Platinum Rewards Credit Card

This card is available to those with a credit score of 700 or higher and has a low annual fee.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Complimentary access to airport lounges: cardholders can enjoy complimentary access to select airport lounges across India, with the option to bring in one guest free of charge.
3. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.
4. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000
5. International usage: The card can be used internationally and comes with no foreign currency transaction charges.

5. SBI SimplyCLICK Credit Card

This card is available to those with a credit score of 750 or higher and has a low annual fee. It is designed for online shoppers and offers rewards and discounts on e-commerce platforms.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. E-commerce benefits: cardholders can avail of exclusive discounts and cashback offers on leading e-commerce websites.
3. Complimentary access to select airport lounges: cardholders can enjoy complimentary access to select airport lounges across India.
4. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 100 per month.
5. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000.

6. ICICI Bank Instant Platinum Credit Card

This card is available to those with a credit score of 750 or higher and has a low annual fee. It offers rewards and discounts on shopping, dining, and fuel purchases.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.
3. Dining benefits: cardholders can avail of exclusive discounts and offers on dining at select restaurants
4. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000
5. Flexible repayment options: cardholders can choose to pay the minimum amount due, the total amount due or any other amount as per their convenience.

7. Axis Bank Insta Easy Credit Card

This card is available to those with a credit score of 750 or higher and has a low annual fee. It offers rewards and discounts on online shopping and fuel purchases.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 500 per statement cycle at any fuel station.
3. International usage: The card can be used internationally and comes with no foreign currency transaction charges.
4. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000
5. Flexible repayment options: cardholders can choose to pay the minimum amount due, the total amount due or any other amount as per their convenience.

8. Kotak Mahindra Bank Aqua Gold Credit Card

This card is available to those with a credit score of 750 or higher and has a low annual fee. It offers rewards and discounts on fuel purchases and dining.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.
3. Dining benefits: cardholders can avail of exclusive discounts and offers on dining at select restaurants
4. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000
5. Flexible repayment options: cardholders can choose to pay the minimum amount due, the total amount due or any other amount as per their convenience.

9. Citibank Rewards Credit Card

This card is available to those with a credit score of 750 or higher and has a low annual fee. It offers rewards and discounts on dining, shopping, and travel.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Complimentary access to airport lounges: cardholders can enjoy complimentary access to select airport lounges across India, with the option to bring in one guest free of charge.
3. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.
4. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000
5. International usage: The card can be used internationally and comes with no foreign currency transaction charges.

10. RBL Bank Unnati Credit Card

This card is designed for individuals with no credit history or low credit score, it has no annual fees for the first 4 years, and it offers rewards and discounts on various merchant outlets.

Key Benefits:

1. Reward points: cardholders can earn reward points on every purchase made with the card, which can be redeemed for a variety of rewards including cashback, movie tickets, and more.
2. Fuel surcharge waiver: cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per statement cycle at any fuel station.
3. No annual fee for the first 4 years: The card has no annual fee for the first four years, which makes it an affordable option for those who are new to credit or have a low credit score.
4. Insurance benefits: Cardholders get free accidental death cover of up to Rs.50 Lakhs and purchase protection cover of up to Rs.50,000
5. Flexible repayment options: cardholders can choose to pay the minimum amount due, the total amount due or any other amount as per their convenience.

Final words:

Please keep in mind that credit card approval is subject to individual banks’ policies and criteria, and each bank may have different requirements. It’s always a good idea to check with the bank before applying for the easiest credit card to get in India.

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