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About Credit Card

Credit Card is not just a status symbol. Credit Card is a very helpful financial product for daily expenses. Get credit card as per your requirement for Travelling, Shopping, Lifestyle, Movies, Dining, Airport Lounge, Fuel etc. Now it is the age of smart way of paying money, carrying cash is hazardous and challenging. Advanced digital technology is a way of life. Go cashless and be safe with additional features of the credit limit. It is recommended by all banks to have financial acumen. With wireless cards, transactions have become more secure than before.

LoanMoney offers a wide range of Credit Cards for you to choose from the top bank best credit Card. Each Credit Card gives unique features and benefits, along with the latest offers. Apply for a credit card by comparing the Best credit cards through LoanMoney.

Advantage of Credit Cards

Welcome Benefit : Gift Voucher Worth Rs. 5,000/-

Movie Offer: Buy-1 Get-1 Movie Ticket Every Month.

Dining Offer: Upto 20% off on Selected Restaurants.

Lifestyle Offer: Upto 8 FREE International & Domestic Airport Lounge Access.

Benefit of Credit Cards

Annual Fee : Life-Time free Annual Fee*

Interest Rate: Lowest Interest Rates on Premium Credit Cards.

Reward Points : Convert reward points to Air tickets & Hotel Booking.

Multiple Options : Wide range of Cards to suite all your requirements.

Filter by :
Bank:
Card Categories:

Bank & Card

Fee

Features

Perks

Action

Bank & Card

ICICI Bank

Make My Trip Platinum

( Travel )

Fee

  • First Year Fees: Rs. 500/-
  • Life Time Free: Yes
  • Annual Fees: Free

Features

MakeMyTrip Platinum Credit Card Features

  • Rs. 500/- My Cash in Make My Trip Wallet. 
  • Rs. 2000/- Make My Trip Hotel Voucher. 
  • No cancellation charges* on Hotel bookings and Air Tickets.  

Perks

MakeMyTrip ICICI Bank Platinum Credit Card

  • One Complimentary Domestic Airport Lounge per quarter.
  • One Complimentary Railway Lounge per quarter.
  • Upto 15% discount at participating restaurants.

Bank & Card

HDFC Bank

Millennia Credit Card

( Cash Back )

Fee

  • Annual Fees: Rs.500/- (1st year) & Rs.1000/- (2nd year onwards)
  • Life Time Free Not Available
  • Annual fees waived with spend of Rs.1 Lakh per annum

Features

HDFC Bank Millennia Credit Card Features

  • 5% cashback on SmartBuy & Payzapp. 
  • 2.50% cashback on all online spends. 
  • Free 8 airport lounge access in a calender year.

Perks

HDFC Millennia Credit Card

  • 1000 cash points as a welcome gift.
  • 1 cash point = 0.30 paisa
  • 1 cash point = 1 rupee (For Shopping Vouchers)

Bank & Card

ICICI Bank

Make My Trip Signature Card

( Travel )

Fee

  • Joining Fees: Rs. 2500/-
  • Life Time Free
  • No Annual Fees

Features

MakeMyTrip Signature Credit Card Features

  • Rs. 1500/- My Cash in Make My Trip Wallet.
  • Rs. 2000/- Make My Trip hotel voucher.
  • Buy-1-Get-1 Movie Ticket every month.

Perks

MakeMyTrip ICICI Bank Signature Credit Card

  • Two free international & domestic airport lounge and railway lounge access.
  • Free MMT Double Black membership.
  • Every 6th ride is free on OLA. 

Bank & Card

HDFC Bank

Easy EMI Credit Card

( Shopping )

Fee

  • Rs.500/- (1st year) & Rs. 1000/- (2nd year onwards)
  • Life Time Free Not Available
  • Renewal fees waived with spend of Rs. 1 lakh per annum

Features

HDFC Bank Easy EMI Card Features

  • Rs.10,000/- & above spends will be automatically converted into 9 EMI. 
  • 5% CashBack on Amazon, Flipkart, Hotels and Flight bookings via Payzapp and SmartBuy.
  • 2.50% cash back on all online spends. 

Perks

HDFC Bank Easy EMI Credit Card

  • 1000 cash points as a welcome gift. 
  • 1 cash point = 0.30 paisa.
  • For shopping 1 cash point = 1 rupee. 

Bank & Card

ICICI Bank

Emeralde Credit Card

( Premium )

Fee

  • Annual Fees: Rs. 12,000/-
  • Life Time Free: Not Available
  • Renewal Fees with Rs. 15,00,000/- spend in a year

Features

ICICI Emeralde Credit Card Features

  • Free Golf Rounds.
  • 50% of Gold Gym membership. 
  • Un-Limited airport lounge access. 

Perks

ICICI Bank Emeralde Credit Card

  • No over limit fees.
  • No cash withdrawal fees. 
  • No late payment charges. 

Bank & Card

HDFC Bank

Infinia Credit Card

( Premium )

Fee

  • Annual Fees: Rs. 10,000/-
  • Life Time Free: Not Available
  • Annual Fees Waived with Rs. 8,00,000/- spend in a year

Features

Infinia Credit Card Features:

  • No limit card.
  • Lowest interest rate of 1.99% per month.
  • Exclusive customer service lines.

Perks

HDFC Bank Infinia Credit Card

  • Access to the domestic and international Golf course.
  • 5 reward points on Rs. 150/- spend. 
  • Complimentary Morriot Hotel Membership. Upto 20% discount on food and room booking.  

Bank & Card

HDFC Bank

Regalia Credit Card

( Travel )

Fee

  • Annual Fees: Rs. 2500/-
  • Life Time Free not available
  • Annual Fees Waived with Rs. 3,00,000/- spend in a year

Features

Regalia Credit Card Features

  • 6 free international airport lounge access.
  • Spend Rs. 150 and earn 4 reward points.
  • Lowest foreign currency mark-up of just 2%.

Perks

HDFC Bank Regalia Credit Card

  • Free Air Vistara Membership.
  • Exclusive tarvel website. www.hdfcbankregaila.com 
  • Air accidental death cover of Rs. 1cr.

Bank & Card

HDFC Bank

Titanium Times Card

( Shopping )

Fee

  • Annual Fees: Rs. 500/-
  • Life Time Free: No
  • Annual Fees Waived with spend of Rs. 50,000/-

Features

Titanium Times Credit Card Features

  • 25% discount on movies.
  • 15% discount on dinning.
  • 30% discount on online & offline shopping.

Perks

HDFC Titanium Times Credit Card

  • Spend Rs. 150/- and earn 2 Reward Points.
  • Zero liability on lost card.
  • Free Rs. 50 Lakhs accidental death cover

Bank & Card

HDFC Bank

Diners Club Black Credit Card

( Premium )

Fee

  • Annual Fees: Rs. 5,000/-
  • Life Time Free: Not Available
  • Annual Fees Waived with Rs. 5,00,000/- spend in a year

Features

HDFC Bank Diners Club Black Features:

  • Un-limited international and domestic airport lounge access.
  • Spend Rs. 150 and earn 5 reward points.
  • 1 reward point = 1 rupee.

Perks

HDFC Diners Club Black Credit Card

  • Worldwide 6 complimentary Golf Games per quarter.
  • Lowest interest rate of 1.99% p.a.
  • Rs. 2 cr air accidental cover.

Bank & Card

ICICI Bank

Sapphiro Credit Card

( Premium )

Fee

  • Annual Fees: Rs. 6,500/- (1st year) & Rs. 3,500/- (2nd year)
  • Life Time Free: Not Available
  • Renewal Fees Waived with Rs. 6,00,000/- spend in a year

Features

ICICI Bank Sapphiro Credit Card

  • Welcome, Shopping Vouchers of Rs. 10,000/- with card.
  • Buy 1 Get Rs.500/- off on second movie ticket, twice per month.
  • Access to international and domestic airport lounge. 

Perks

ICICI Sapphiro Credit Card

  • 4 complimentry Golf Games every month. 
  • 20,000 PAYBACK points every year. 
  • 15% discount on selected resturants. 

Bank & Card

ICICI Bank

Rubyx Credit Card

( Shopping )

Fee

  • Annual Fees: Rs. 3000/- (1st year) & Rs. 2000 (2nd year)
  • Life Time Free: Not Available
  • Renewal Fees Waived with Rs. 3,00,000/- spend in a year

Features

Rubyx Credit Cards Features

  • Welcome Shopping Vouchers of Rs. 5,000/- with the card.
  • Buy 1 Get 1 movie ticket every month. 
  • Acces to domestic and railway lounge. 

Perks

ICICI Bank Rubyx Credit Cards

  • 2 complimentry Golf Games every month. 
  • 15,000 PAYBACK points every year. 
  • 15% discount on selected resturants. 

Bank & Card

HDFC Bank

Regalia First Credit Card

( Travel )

Fee

  • Annual Fees: Rs. 1000/-
  • Life Time Free with Smart Pay
  • Annual Fees Waived with Rs. 1,00,000/- spend in a year

Features

HDFC Regalia First Credit Card Features

  • Three complimentary international airport lounge access.
  • Eight complimentary domestic airport lounge access.
  • 40% discount at leading restaurants pan India.

Perks

HDFC Bank Regalia First Credit Card

  • Spend Rs. 150 and earn 4 reward points.
  • Air accidental death cover of Rs. 50 lakhs.
  • Overseas medical emergence cover of Rs. 10 lakhs.

Bank & Card

ICICI Bank

Manchester United Signature Card

( Sports )

Fee

  • Annual Fees: Rs. 2499/-
  • Life Time Free: No
  • Renewal Fees Waived with Spend of Rs. 2,50,000/-

Features

Manchester United Signature  Credit Card Features

  • Free Manchester Untied Gym Bag & Football. 
  • Top most spender every month, gets a signed Manchester United jersey* and match ticket.
  • The opportunity to watch a part of a training session of the First Team Squad

Perks

ICICI Bank Manchester United Signature  Credit Card

  • 2 complimentary access to domestic airport lounges per quarter in India.
  • 2 complimentary movie tickets every month under the Buy 1, Get 1 Free offer at BookMyShow
  • 15% savings on dining bills at restaurants across India. 

Bank & Card

ICICI Bank

Manchester United Platinum

( Sports )

Fee

  • Annual Fees: Rs. 499/-
  • Life Time Free: No
  • Renewal Fees Waived with Spend of Rs. 1,50,000/-

Features

Manchester United Platinum Credit Card Features

  • Free Manchester United Football.
  • Top spenders get an exclusive fully paid “Manchester United Experience”.
  • The opportunity to watch a part of a training session of the first team squad.

Perks

ICICI Bank Manchester United Platinum Credit Card

  • Complimentary 1 domestic airport lounge access in a quarter.
  • 15% discount on dinning at selected restaurant.
  • Buy-1-Get-1 movie ticket every month from Book My Show and INOX. 

Bank & Card

HDFC Bank

Diners ClubMiles Credit Card

( Travel )

Fee

  • Annual Fees: Rs. 1000/- (Joining Fees)
  • Life Time Free with Smart Pay
  • Renewal Fees Waived with Spend Rs. 1,00,00/- in a year

Features

Diners ClubMiles Credit Card Features

  • 6  free airport lounge. 
  • 15% discount on restaurants worldwide.
  • Free travel insurance.

Perks

HDFC Bank Diners ClubMiles Credit Card

  • Spend Rs.150 earn 4 reward points.
  • 1 reward point = 1 air mile. 
  • Free Air Accident Cover Rs. 1 crore. 

Bank & Card

HDFC Bank

Platinum Times Card

( Shopping )

Fee

  • Annual Fees: Rs. 1000/-
  • Life Time Free: No
  • Renewal Fees Waived with Spend of Rs. 1,50,000/-

Features

Platinum Times Credit Card Features

  • 25% discount on movies.
  • 20% discount on dinning.
  • 30% discount on online & offline shopping.

Perks

HDFC Bank Platinum Times Credit Card

  • Spend Rs. 150/- and earn 3 Reward Points.
  • Zero liability on lost card
  • Fuel surcharge of 2.5%

Bank & Card

ICICI Bank

HPCL Coral Card

( Fuel )

Fee

  • Annual Fees: Rs. 199/-
  • Life Time Free: No
  • Renewal Fees Waived with Spend Rs. 50,000/-

Features

HPCL Coral Credit Card Features

  • Get 2.50% cashback on fuel.
  • Get 1% surcharge waived on fuel.
  • 2 Payback points on Rs.100/- spend. 

Perks

ICICI Bank HPCL Platinum Credit Card

  • 15% discount on dinning at selected restaurants.  
  • Rs. 100/- discount on movies every month.
  • Redeem Payback points with free fuel.

Bank & Card

ICICI Bank

Delhi Metro Card

( Travel )

Fee

  • Annual Fees: Rs. 299/-
  • Life Time Free: No
  • Renewal Fees Waived with spend of Rs. 50,000/-

Features

ICICI Bank Delhi Metro Card Features

  • No waiting to recharge metro card or tokens. Use credit card as metro card with auto-recharge facility.
  • 10% on Delhi metro fares.
  • 2.50% fuel surcharge waiver across HPCL pumps.

Perks

ICICI Bank Unifare Credit Card

  • 15% discount on dinning at selected restaurants.
  • Use reward points to redeem shopping vouchers.

Bank & Card

ICICI Bank

Platinum Chip Card

( Cash Back )

Fee

  • Annual Fees: NIL
  • Life Time Free: Yes
  • Renewal Fees: NIL

Features

ICICI Bank Platinum Chip Card Features

  • 15% discount on dinning at selected restaurants.
  • Redeem Payback reward points for shopping vouchers.

Perks

ICICI Platinum Chip Credit Card

  • 1% fuel surcharge waiver.
  • Free supplementary card.  

 

Bank & Card

HDFC Bank

MoneyBack

( Cash Back )

Fee

  • Annual Fees: Rs. 500/-
  • Life Time Free: No
  • Renewal fees waived with spend of Rs.50000/-

Features

HDFC MoneyBack Credit Card Features

  • Spend Rs.150 get 2 Reward points.
  • 100 Reward Points = Rs.20/-. 
  • Redeem Reward Points against Bill Amount. 

Perks

HDFC Bank MoneyBack Credit Card 

  • 100% fuel surcharge waiver.
  • 50 days of interest free period. 
  • Life Time Free Annual Fees with Smart Pay. 

Credit Card Frequently Asked Questions (FAQ)

Credit Card Eligibility Criteria differ from one bank to another bank, the following are a few generic criteria:
  • Age: Minimum 18 years
  • Income Proof: Salary Proof/ Income Tax Return
  • Credit Score> 650
  • Address Proof – Residence/Office
  • Bank Statement
Up to 40% Discount on Dining with selected partner Restaurant.
Credit Card can be used to make purchases, balance transfers, etc.
  • Shopping
  • EMI Options
  • Cash Withdrawal
  • Free Offers like: Cashback, Annual Fees Reversal, etc.
Your credit card limit is based on a number of factors such as your income and CIBIL Score. As such, each person's credit limit will differ.Credit limit is the maximum amount of credit you're allowed, and it is determined by Bank.
Add-on Credit Cards are the additional credit cards issued under a primary credit card. They are a form of secondary or supplementary Credit Card that could be applied for family members like spouse, children above 18 years of age or parents. Normally Add-on cards come free of cost, however, depending on one bank to another bank, there might be some charges also. Credit limit is shared among all card holders.
An International Credit Card can be used everywhere in the world. There are currency and network-based charges associated with every foreign transaction, whether offline or online.
This is a 3 digit security code written at back of card. It is used for online transactions.It’s advised not to share CVV number with anyone.
Yes, you can change your PIN anytime through Bank ATM, Internet Banking, and Customer Care.
Yes, you can use the same PIN for cash withdrawals through Bank ATMs.
Yes, you can request your bank to increase the Credit Card Limit on your Card.
  • Shopping Credit Card
  • Travel Card
  • Fuel Credit Card
  • Entertainment Credit Card
  • Sports Credit Card
  • Free Airport Lounge Access
  • Hotel & Air Ticket Booking
  • Baggage Insurance
  • Overseas Medical Expenses
  • Air Accidental Death Insurance Cover of up to Rs. 2 Crore.
Rewards Points are earned with shopping. Accumulated Rewards Point can be redeemed for Cashback, Shopping Voucher, Hotel & Air Ticket Booking, Movie Tickets, etc.
You may block the Credit Card through any of the following channels:
  • Internet Banking
  • Customer Care
  • Register your mobile number for alerts and remember to update it in the Bank's records, in case it changes.
  • Check Credit Card statements regularly.
  • Choose a strong PIN code. Do not share your password with anyone.
  • Change the PIN number frequently.
Credit Card expiration dates printed on cards usually consist of a month and year only. Banks typically use expiration dates that range from 2-4 years. Credit Card expiration dates vary bank to bank.
To change your address in credit card account, we request you to visit the nearest Bank Branch along with the ID and address proof, Or through Net Banking.
Yes, you can know the status on credit card payments through Net Banking, Customer Care.
If you pay more than the total amount due on credit card will adjust the additional payment paid by you in the next billing cycle.
If you need a Duplicate Statement. You can request through Online Banking, Customer Care.

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