Search results for "best cashback card"

Cashback cards are the simplest reward mechanic — no points to redeem, no partner conversions. But the marketed "5% cashback" is often subject to caps, exclusions, and category limits. Below is a ranked list of cards that genuinely give useful cashback on real spending patterns.

/credit-cards/best-cashback

Indian banks issue over 200 distinct credit-card variants. Almost every card belongs to one of six broad categories. Pick the category first, then pick the specific card that matches your spending pattern.

/credit-cards/types-of-credit-cards

SBI Card is India's second-largest credit-card issuer, operated as a listed subsidiary of the State Bank of India. It has strong penetration in tier-2 and tier-3 cities and issues cards under multiple co-brand partnerships.

/credit-cards/sbi

A travel credit card earns its keep on two things: complimentary airport lounge access and accelerated reward-earn on flights/hotels. Below are five cards Indian frequent flyers keep coming back to.

/credit-cards/best-travel

A credit card is one of the most useful financial tools available if you use it disciplined. This hub covers the different card categories, how to pick the right one, and detailed pages on the biggest issuers in India.

/credit-cards

HDFC Bank and SBI Card are India's two largest credit-card issuers by cards in force. The right choice depends less on the issuer and more on which specific card matches your spending. This page compares them at both portfolio and product levels.

/compare/credit-cards/hdfc-vs-sbi

A credit card gives you a monthly credit limit that you can spend now and repay later. If you pay the full bill by the due date, you use the bank's money for free. If not, interest kicks in at some of the highest rates in Indian banking.

/credit-cards/what-is-a-credit-card

Card issuers use a compact set of criteria to decide who gets which product. Meet the entry bar and you're approved for entry-level cards; meet higher bars and you're invited into premium tiers.

/credit-cards/eligibility

Applying for a credit card in India is a fully digital process at most major banks. You can go from application to approval within 30 minutes if your KYC is Aadhaar-linked. Here's exactly how to do it.

/credit-cards/how-to-apply

HDFC Bank is India's largest credit-card issuer by number of cards in force. Its portfolio spans entry-level to super-premium, with strong reward programmes and airport lounge access at higher tiers.

/credit-cards/hdfc

Axis Bank has been one of the more aggressive credit-card issuers in India in recent years, with market-leading co-brand tie-ups (Flipkart, Vistara) and generous reward structures on its Magnus and Reserve tiers.

/credit-cards/axis

The "best" personal loan bank is really the one whose rate, fee, and part-payment rules match your specific profile. Below is a ranked shortlist of the five banks that come up most often as the shortest path to a good deal for salaried Indian borrowers.

/personal-loan/best-banks

Credit card interest rates in India are the highest of any mainstream credit product - typically 36% to 48% per annum. This guide explains how the charge is computed, when it applies, and how to structure your usage so it never applies to you.

/credit-cards/interest-rates

Converting a large credit card outstanding into an EMI plan is one of the cheapest ways to avoid finance charges of 36-48% per annum. Card issuers typically offer EMI at 12-18% p.a. Use this calculator to see the monthly cost and total interest before you convert.

/calculators/credit-card-emi

Rohan writes on credit cards, credit scores, and consumer credit. He focuses on turning banks’ fine print into reader-first guidance.

/authors/rohan-desai

On a 20-year home loan, a 25 basis-point rate difference works out to lakhs in extra interest. Below is a shortlist of the banks that consistently offer the lowest published rates and the least painful process.

/home-loan/best-banks

Business lending in India spans banks, NBFCs, and fintech lenders. Each occupies a different niche of business size and vintage. Below is a practical ranking based on rate, speed, and MSME-friendliness.

/business-loan/best-banks

A personal loan is money you borrow from a bank or NBFC without pledging any asset. You repay it in fixed monthly instalments over a chosen tenure. It is one of the most common ways Indians fund weddings, medical treatment, travel, or consolidate expensive credit-card debt.

/personal-loan/what-is-a-personal-loan

Credit-score misinformation is everywhere, from WhatsApp forwards to well-meaning relatives. Here are the biggest myths that lead people to make the wrong decisions, and what the actual bureau practice is.

/credit-score/myths-about-credit-score

Every borrowing decision starts with numbers. Our calculators help you estimate monthly EMI, total interest, and total repayment on any loan structure - before you sign a single form.

/calculators

Personal loans for self-employed applicants use business income as the anchor, not salary slips. Underwriting is stricter and rates are typically 100-200 bps higher than for salaried applicants at the same score. Here's how the process actually works.

/personal-loan/for-self-employed

Most personal loans in India are approved on the strength of just five to seven documents. Have them ready before you apply, and you can usually get disbursal within 48-72 hours.

/personal-loan/documents-required

Your credit score is a single number between 300 and 900 that summarises how reliably you repay debt. Every bank in India checks it before approving a loan or credit card. This hub explains what moves it and how to improve it.

/credit-score

Bureau scoring models are proprietary, but the five ingredient buckets and their approximate weightings are widely disclosed. Understanding them lets you focus improvement effort where it actually matters.

/credit-score/factors-affecting-score

We welcome corrections, suggestions, and media enquiries. The best way to reach us is by email; we typically respond within 2 working days.

/contact

CIBIL is one of four credit bureaus licensed by RBI to compile Indian credit histories. Your 'CIBIL score' is a single number between 300 and 900 that summarises your repayment behaviour across all loans and cards.

/credit-score/what-is-cibil-score

SBI's Xpress Credit and HDFC Bank's personal loan are two of India's largest unsecured retail loan products. They target overlapping but not identical borrower profiles. Here's the comparison in detail.

/compare/personal-loans/sbi-vs-hdfc