Complete Credit Card Guide
Learn about types, benefits, and how to choose the right credit card
6 Types of Credit Cards
Cashback Cards
Earn 1-5% cashback on all purchases or specific categories
Best For: Daily spendersTravel Cards
Earn miles/points on travel and get travel benefits
Best For: Frequent travelersRewards Cards
Earn points on purchases, redeemable for gifts/travel
Best For: Point collectorsFuel Cards
Get 5-7% fuel surcharge waiver and fuel rewards
Best For: Car ownersDining Cards
Cashback and offers at restaurants and food platforms
Best For: Food enthusiastsPremium Cards
High-end cards with luxury benefits and concierge
Best For: High earnersTop Credit Card Benefits
Saves Interest
Free Credit
Get 45-50 days free credit
Cash Back
Rewards
Earn 1-5% on purchases
Savings
Offers
Exclusive deals and discounts
Premium
Lounge Access
Free airport lounge entry
Protection
Insurance
Travel, purchase, accidental insurance
Convenience
Concierge
24/7 customer support services
Credit Card Eligibility
✓
Age
21-60 years
✓
Annual Income
₹3,00,000+
✓
Credit Score
650+
✓
Employment
1+ years
✓
Credit History
2+ years
Card Type Comparison
| Aspect | Cashback Card | Travel Card | Premium Card |
|---|---|---|---|
| Annual Fee | ₹500-1000 | ₹2000-5000 | ₹10000+ |
| Welcome Bonus | ₹2000-5000 | ₹5000-15000 | ₹15000-30000 |
| Cashback | 1-5% | 0-2% | 1-3% |
| Best For | Daily spenders | Travelers | High earners |
8 Credit Card Tips
1
Choose card based on spending patterns2
Compare interest rates and fees3
Look for welcome bonuses4
Check rewards program5
Pay full bill on due date6
Don't use cash advances7
Monitor credit score8
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