Which is the highest rated credit card in India?
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"Highest rated" is subjective and depends heavily on a user's spending habits, lifestyle, and financial profile (e.g., income, credit score). There is no single "best" or "highest-rated" card for everyone in India; rather, cards excel in different categories like cashback, travel rewards, or premium benefits.
What's the best credit card in India?
Top Credit Cards in India by Category
- SBI Cashback.
- Amazon Pay ICICI.
- Axis Bank Ace.
- Swiggy HDFC Bank.
- HDFC Bank Millenia.
What is the #1 credit card to have in India?
1. HDFC Infinia Credit Card Metal Edition. The HDFC Infinia Credit card is one of the premium credit cards in India. It is a metal card with a premium look that is invite-only.
Who is the king of credit cards in India?
The Story of India's Credit Card King Meet Manish Dhameja from Hyderabad, a man who literally swiped his way into the Guinness World Records! He holds the record for owning the largest collection of valid credit cards in the world: 1,638 cards!
What is the most powerful credit card?
The American Express Centurion Card, colloquially known as the Black Card, is an exclusive invitation-only charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.
LIFETIME FREE BoB Eterna Premium Credit Card is - Why I Applied? || Every Paisa Matters
What is the credit card limit for $70,000 salary?
The credit limit you can expect for a $70,000 salary across all your credit cards could be as much as $14000 to $21000, or even higher in some cases, according to our research. The exact amount depends heavily on multiple factors, like your credit score and how many credit lines you have open.
Which is the hardest credit card to get?
Hardest Card to Get Overall
Why it's one of the hardest cards to get: The hardest card to get is the American Express Centurion Card, known simply as the “Black Card.” You need an invitation to get Amex Centurion, and only the super rich and famous can expect to get the call.
Does Mukesh Ambani use a credit card?
For him, money is just a resource that enables Reliance Industries to take risks for further growth. And the answer to the million-dollar question is Mukesh Ambani himself reveals that he never carries cash or credit cards in his pocket. According to Ambani, he always has someone nearby to pay his bills.
What are the top 5 credit cards?
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- Chase Freedom Unlimited®: Best standalone rewards card.
- Wells Fargo Reflect® Card: Best for balance transfers.
- Capital One Savor Cash Rewards Credit Card: Best cash back card for food.
- Capital One Venture X Rewards Credit Card: Best for affordable travel perks.
What are the 4 major credit cards?
The 4 major credit card brands are Visa, Mastercard, American Express, and Discover.
What is the 2/3/4 rule?
The 2/3/4 rule: According to this rule, applicants are limited to two new cards in 30 days, three new cards in 12 months and four new cards in 24 months. The six-month or one-year rule: Some credit card issuers may let borrowers open a new credit card account only once every six months or once a year.
Which card is mostly used in India?
In India, some of the most popular credit cards with reward programmes are the HDFC Bank Regalia Credit Card and the SBI Card Elite Many credit cards are available, including the ICICI Bank Coral Credit Card, the Axis Bank Vistara Signature Credit Card, and the Citi PremierMiles Credit Card.
How can I avoid credit card fees?
How to avoid this fee: Always know how much money you have to ensure you can cover your credit card payments. If you notice your paying account is insufficient to cover your credit card payment, you can avoid returned payment fees by depositing money in the account by the time the payment is processed.
Who has the best 0% interest credit card?
Credit cards with long 0% introductory APR offers include:
- Blue Cash Everyday® Card from American Express.
- Chase Freedom Unlimited®
- Capital One Savor Cash Rewards Credit Card.
- Wells Fargo Reflect® Card.
- Discover it® Cash Back.
- Citi Custom Cash® Card.
- Bank of America® Customized Cash Rewards Credit Card.
Which is the best premium credit card?
NerdWallet's Best Premium Credit Cards of December 2025
- Chase Sapphire Reserve®: Best for Overall premium card.
- American Express Platinum Card®: Best for Luxury travel perks.
- Capital One Venture X Rewards Credit Card: Best for Travel portal benefits.
Which credit card gives the highest cashback in India?
Top Cashback Credit Cards in India 2025
- HDFC Millennia Credit Card. ...
- Flipkart Axis Bank Credit Card. ...
- Tata Neu Infinity HDFC Bank Credit Card. ...
- Swiggy HDFC Bank Credit Card. ...
- Airtel Axis Bank Credit Card. ...
- HSBC Live+ Credit Card. ...
- BOBCARD Cashback. Best for: Online Shopping. ...
- HSBC RuPay Cashback Credit Card. Best for: Online Shopping.
Which card do billionaires use?
Insignia Royal Card
One of the world's first super-premium payment cards, a powerful symbol of status designed to serve the financial and luxury lifestyle requirements of our most extraordinary customers.
What is the 7 year rule on credit cards?
The most straightforward part of the 7-year rule involves your credit report. Under the Fair Credit Reporting Act, most negative information, including unpaid credit card debt, late payments, charge-offs and collections, can only remain on your credit report for seven years.
Which card is most popular?
Some of the Most Popular Credit Cards
- Travel Rewards: Chase Sapphire Preferred® Card.
- Cash Rewards: Chase Freedom Unlimited®
- For Newcomers: Petal® 2 Visa® Credit Card.
- For Bad Credit: Indigo® Mastercard® for Less than Perfect Credit.
- For Business: Amazon Business American Express Card.
Which bank do rich people use in India?
1. HDFC Bank's Imperia. HDFC Bank offers a suite of premium banking offerings which includes relationship management wealth management and investment privileges, preferential pricing on loans, complimentary family lockers, and much more.
Who will have a 900 CIBIL score?
Yes, though rare, it is possible to have a 900 credit score. It represents exceptional creditworthiness and is a result of long-term financial discipline. An individual with this score has never missed a bill payment or defaulted on a loan and has consistently maintained their debt-to-income ratio.
Can I be jailed for credit card debt in India?
No, you can't go to jail in India just for not paying back a loan. But if you purposely don't pay or plan to commit fraud, you could face legal consequences. If you're experiencing pressure or harassment, it's crucial to understand your rights, remain informed, and seek professional legal advice.
What is the 2 2 2 credit rule?
The 2-2-2 credit rule is a common underwriting guideline lenders use to verify that a borrower: Has at least two active credit accounts, like credit cards, auto loans or student loans. The credit accounts that have been open for at least two years.
What's the most rich credit card?
Here are the cards the ultra wealthy keep to themselves.
- Centurion® Card from American Express. ...
- J.P. Morgan Reserve Card. ...
- Dubai First Royal Mastercard. ...
- Coutts Silk Card. ...
- Sberbank Visa Infinite Gold. ...
- Stratus Rewards White Card. ...
- Invitation-only World Elite Cards.
Can you get a 900 credit score?
While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 781-800 is considered an excellent credit score.