Credit card types explained
What each type of credit card is for, what it costs and which cards in India belong to it.
- Cashback Credit Cards Explained: How Caps, Cycles and Exclusions Work How cashback credit cards work in India: why 5% stops at a cap, how banks sort online and offline spends, and when a ₹999 fee eats the cashback, worked out.
- Dining Credit Cards Explained: Restaurant Codes, Caps and Discounts How dining credit cards work in India: restaurant MCC codes, 10% cashback capped at ₹1,200 a month, dine-in versus delivery, discount programmes and fees.
- Fuel Credit Cards Explained: Surcharge Waivers, Caps and Real Value How fuel credit cards work in India: the 1% surcharge waiver and its ₹400 to ₹4,000 band, points like 25 per ₹100 at BPCL, monthly caps and new fuel fees.
- Reward Points Credit Cards Explained: What a Point Is Really Worth How reward points credit cards work: earn per ₹100, ₹150 or ₹200, why one Regalia Gold point is ₹0.65 or ₹0.15 by redemption, plus fees, expiry and cuts.
- Secured Credit Cards Explained: FD-Backed Limits, Costs and Catches How FD-backed credit cards work: limits of 80% to 100% of the deposit, FDs from ₹5,000, interest from 2.5% a month, and what happens to the FD if you default.
- Shopping Credit Cards Explained: Co-Brand Coins, Partner Lists and Caps How shopping and co-brand credit cards work in India: partner lists, NeuCoins and vouchers, quarterly caps and ₹3 lakh fee waivers, with real card examples.
- Travel Credit Cards Explained: Miles, Hotel Points and Forex Costs How travel credit cards work in India: transfer ratios, airline and hotel co-brands, lounge spend rules and forex markups from 0% to 3.5%, with worked maths.
Want suggestions for your own spending? Try the card finder, or go back to the credit cards hub.