What credit score do I need for a credit card?

A credit score of 700+ is generally considered good for credit card approval. For premium cards, a score of 750+ may be required. However, some entry-level cards are available for scores as low as 650.

What is the difference between joining fee and annual fee?

Joining fee is a one-time charge paid when you get the card. Annual fee is charged yearly for card membership. Many cards waive both fees for the first year or permanently with minimum annual spend.

How does credit card interest work?

If you pay the full outstanding amount by due date, no interest is charged (interest-free period up to 50 days). If you pay only minimum due, interest (typically 3-4% per month) is charged on the remaining balance from purchase date.

Will applying for a credit card affect my credit score?

Checking eligibility on PaisaWay is a soft inquiry and doesn't affect your score. However, when you formally apply with a bank, it creates a hard inquiry which may temporarily lower your score by a few points.

How many credit cards can I have?

There's no legal limit on the number of credit cards. However, having too many cards can affect your credit score and make debt management difficult. 2-3 well-chosen cards are usually sufficient for most people.

Best Credit Cards in India 2026 - Compare & Apply | PaisaWay

Reward Points

Up to 10X Points

Showing 6 credit cards

ICIC

Amazon Pay ICICI

ICICI Bank•

4.4

Annual Fee

Lifetime Free

Reward Rate

5% on Amazon

Welcome Bonus

₹500 Amazon Pay balance

Lifetime free5% Prime Amazon2% non-Prime Amazon1% other spends

Shopping

SBI

SBI SimplyCLICK

HDFC Regalia

Best Rewards

HDFC Bank•

4.6

Annual Fee

₹2500

Reward Rate

4 points per ₹150

Welcome Bonus

10,000 reward points

Airport lounge accessGolf privileges1% fuel surcharge waiverMilestone benefits

Rewards

Axis

Axis Ace

Best Value

Axis Bank•

4.5

Annual Fee

Lifetime Free

Reward Rate

5% on bill payments

Welcome Bonus

₹500 Amazon voucher

Lifetime free5% cashback on bills4% on Swiggy/ZomatoGoogle Pay rewards

Cashback

HDFC

HDFC Indian Oil

HDFC Bank•

4.2

Annual Fee

₹500

Reward Rate

5% fuel savings

Welcome Bonus

₹250 fuel cashback

5% on IOCL fuelFuel surcharge waiver1% other spendsAnnual fee reversal

Fuel

Amer

Amex Platinum Travel

Best Travel

American Express•

4.7

Annual Fee

₹3500

Reward Rate

5 MR points per ₹50

Welcome Bonus

10,000 MR points

Complimentary flightsTaj vouchersTravel insurancePriority Pass

Travel

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Amazon Pay ICICI

SBI SimplyCLICK

HDFC Regalia

Axis Ace

HDFC Indian Oil

Amex Platinum Travel

Types of Credit Cards

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Shopping

Why Choose PaisaWay for Credit Cards?

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Find the Perfect Credit Card

Amazon Pay ICICI

SBI SimplyCLICK

HDFC Regalia

Axis Ace

HDFC Indian Oil

Amex Platinum Travel

Types of Credit Cards

Rewards

Cashback

Travel

Fuel

Shopping

Why Choose PaisaWay for Credit Cards?

Best Offers

Instant Approval

Safe & Secure

Expert Picks

Frequently Asked Questions

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