Credit Card Guides & FAQ
Everything you need to know about credit cards in India — eligibility, rewards, fees, CIBIL score, and how to choose the right card.
Frequently Asked Questions
What CIBIL score is needed for a credit card?
Most banks require a minimum CIBIL score of 700–750. Premium cards like HDFC Infinia may require 800+. Secured cards are available for scores below 700.
How are credit card reward points calculated?
Reward points are typically earned at a rate of 1–10 points per ₹100–₹150 spent. The value of each point varies by card — usually ₹0.25 to ₹1 per point.
What is the difference between cashback and reward points?
Cashback is credited directly to your statement, while reward points must be redeemed through the bank's portal or loyalty program. Cashback cards are simpler; reward point cards can offer higher effective returns if used strategically.
How do I avoid credit card annual fees?
Many cards waive the annual fee if you meet a minimum annual spend threshold. Lifetime free cards never charge an annual fee — popular options include ICICI Amazon Pay, AU LIT, and Kotak 811.