Top 10 Credit Cards in India How to Apply

Top 10 Credit Cards in India  Guide

✅ 1. HDFC Regalia Credit Card

• Eligibility: ₹1 lakh/month income

• Documents: PAN, Aadhaar, salary slip/ITR

• Benefits: Airport lounge access, rewards, travel offers

• Fees: ₹2,500/year

• Apply: HDFC Bank site or branch

✅ 2. SBI Card ELITE

• Eligibility: ₹60,000/month income

• Documents: KYC + income proof

• Benefits: Free movie tickets, lounge access, Club Vistara membership

• Fees: ₹4,999/year

• Apply: sbicard.com

✅ 3. Axis Bank Magnus Credit Card

• Eligibility: High-income professionals

• Benefits: 8 complimentary lounges, ₹10,000 welcome voucher

• Fees: ₹12,500/year

• Documents: PAN, Aadhaar, salary/ITR

✅ 4. ICICI Amazon Pay Credit Card

• Eligibility: ₹25,000/month

• Benefits: 5% cashback on Amazon, no annual fees

• Documents: PAN, Aadhaar, salary/ITR

• Fees: ₹0 (lifetime free)

✅ 5. Flipkart Axis Bank Credit Card

• Eligibility: Salaried/self-employed with stable income

• Benefits: 5% cashback on Flipkart, 4% on partners

• Fees: ₹500/year (waived on ₹2L spend)

✅ 6. American Express Membership Rewards Card

• Eligibility: ₹4.5 lakh/year income

• Benefits: Reward points, Amex benefits

• Fees: ₹1,000 joining, ₹4,500 annual

• Documents: KYC + bank statement

✅ 7. Standard Chartered Platinum Rewards Card

• Eligibility: ₹25,000+ monthly income

• Benefits: 5x rewards on dining/fuel

• Fees: ₹250–₹750

• Apply: sc.com/in

✅ 8. YES Prosperity Edge Credit Card

• Eligibility: ₹30,000/month income

• Benefits: Fuel surcharge waiver, YES reward points

• Fees: ₹399–₹999/year

• Documents: PAN, address, income proof

✅ 9. IDFC FIRST Millennia Credit Card

• Eligibility: ₹25,000+ salary

• Benefits: 3% cashback, railway lounge access

• Fees: Lifetime free

• Apply: idfcfirstbank.com

✅ 10. AU Bank Zenith+ Credit Card

• Eligibility: Premium users only

• Benefits: Premium lifestyle & travel rewards

• Fees: ₹4,999/year

• Apply: AU Small Finance Bank

✅ Common Required Documents

• PAN Card

• Aadhaar Card or Passport/Voter ID (address proof)

• Latest salary slips or ITR

• Bank statement (3–6 months)

✅ General Eligibility Criteria

• Age: 21–60 years

• Income: ₹25,000+ monthly (varies by card)

• Stable credit score (preferably 700+)

✅ How to Apply (General Process)

1. Visit the official bank website or aggregator portal (e.g., Paisabazaar, BankBazaar)

2. Fill out the application form

3. Upload KYC and income documents

4. Wait for verification and approval

5. Receive physical card upon approval