Last updated: 17 August 2026
Main Card Types
| Type | Best For | Example |
|---|---|---|
| Cashback | Simple savings | SBI Cashback, Millennia |
| Rewards/Points | Frequent spenders | Amex MRCC, HDFC Regalia |
| Travel | Frequent flyers | Amex Platinum Travel, Axis Atlas |
| Fuel | Drivers | IndianOil HDFC, BPCL SBI |
| Business | Owners/accountants | Amex Business Gold, HDFC Biz |
| Secured | Credit building | FD-backed cards |
| Lifetime Free | No fees | ICICI Amazon Pay, IDFC First Wala |
How to Choose
- Know your spending pattern — convert the statement to Excel and see categories. Get the card that earns most on your biggest category. Compare annual fee vs benefits score 750+ ho to premium cards try do
Convert your statement — free!
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Frequently Asked Questions
Q: Which type of credit card is best?
A: Jo aapke spending pattern se match kare — cashback card for daily spends, travel card for flights, fuel card for driving.
Q: What is a secured credit card?
A: It is issued against an FD (fixed deposit) — for building credit. Limit = FD ka 75-100%.
⚠️ Important Note: Credit card rates, fees and rules vary by bank and card (and change over time). This guide is general information — confirm details with your bank's official statement, fee schedule or customer care. Our tool only helps extract your statement data into Excel — it does not provide financial advice. Poora disclaimer read.