Do you want a smart way to shop, pay bills, book tickets, and get rewards? A credit card can help you do all that and more. It is like having a money friend in your pocket. But choosing the right credit card can feel confusing. There are so many types, offers, and rules. That is where Grow Rupiz comes in. We are not a bank. We do not give credit cards ourselves. But we help you choose and apply for the best one based on your needs. We talk to banks, compare offers, and help with the process—for free.
What is a Credit Card?
A credit card is a plastic card given by a bank or NBFC that lets you borrow money to pay for things. You can swipe it at shops or use it online to buy anything you need. You do not need to pay right away. The bank gives you 15 to 50 days to pay back. If you pay within this time, there is no extra charge. If you delay, they add interest. It is like using the bank’s money for free for some days if used smartly.
Why People Love Credit Cards
Credit cards are popular because:
- You can shop now and pay later
- You earn reward points for every spend
- You get travel and fuel benefits
- It is safer than carrying cash
- You can buy phones, laptops, and more on EMI
- You get offers and discounts online
- You can build your credit score
It is not just a card. It is a useful tool.
Types of Credit Cards We Help You Get
There are many kinds of cards. You should pick the one that fits your lifestyle.
| Card Type | Best For |
| Shopping Card | Great for online/offline shopping |
| Travel Card | Ideal for frequent flyers |
| Fuel Card | For people using bikes or cars daily |
| Dining Card | For foodies and restaurant lovers |
| Rewards Card | For earning points and cashback |
| Business Credit Card | For business owners |
| Low Interest Card | For those who carry balances |
| Student Card | For college-going students |
Top Credit Cards Available in India
Travel Cards
- Axis Atlas
- American Express Platinum Card
- HDFC Diners Club Black
- Axis Bank Horizon
- HSBC TravelOne
- Axis Magnus for Burgundy
- HDFC Diners Club Black Metal Edition
- IndusInd Bank Avios Visa Infinite
- Kotak IndiGo 6E Rewards XL
- MakeMyTrip ICICI Bank Credit Card
- Yatra SBI Card
- Standard Chartered EaseMyTrip Credit Card
- Ixigo AU Credit Card
- IRCTC SBI Card Premier
Rewards Cards
- Axis Bank SELECT
- HDFC Regalia Gold
- SBI Prime
- IDFC First Bank Select
- Club Vistara IDFC First Bank
- SBI SimplyCLICK
- HDFC Bank Regalia
Cashback & Shopping Cards
- Cashback SBI Card
- HDFC Millennia
- Amazon Pay ICICI Credit Card
- Flipkart Axis Bank Credit Card
- Tata Neu Infinity HDFC Bank Card
- Swiggy HDFC Bank Credit Card
- Myntra Kotak Credit Card
- Airtel Axis Bank Credit Card
- Axis Bank Ace
- Citibank Cashback
- AU Bank LIT
Fuel Cards
- ICICI HPCL Super Saver
- BPCL SBI Card Octane
- IndianOil RBL Bank XTRA
- IDFC FIRST Power+
- ICICI HPCL Super Saver
- Axis Bank IndianOil
- IndianOil Kotak
- IndianOil HDFC
- ICICI Bank HPCL Coral
Documents Required
Do not worry, we will help you arrange all this. You will need:
- PAN Card
- Aadhaar Card
- Passport size photo
- Income proof (salary slip or ITR)
- Bank statement (last 3–6 months)
- Address proof (electricity bill, voter ID, etc.)
If you are a student or do not have income proof, we may suggest secured credit cards.
Who Can Apply for a Card?
Usually, you can apply if:
- You are 18 years or older
- You have a stable income
- You have a good credit score (above 650)
- You have a bank account and ID proof
Even if your income is low or CIBIL is not great, we will try to find a solution.
What is a Secured Credit Card?
If banks say no to you because of low CIBIL or no job, you can take a secured credit card. This is given against a fixed deposit. Example: You keep 10,000 rupees in FD, and the bank gives you a card with a 9,000 limit. It helps you build your credit score safely. We will help you choose the right bank for this, too.
Smart Tips to Use Credit Cards
Here are some easy tips to avoid trouble:
- Always pay full amount on time
- Do not use full limit—stay below 30 to 40 percent
- Do not take cash from ATM using card
- Check your bill every month
- Do not share OTP or card details with anyone
- Use the card for benefits, not for fun
Remember: Use it smartly, not blindly.
Credit Card Charges
Let’s understand the basic fees.
| Fee Type | What It Means |
| Joining Fee | Fee when you get the card (some are free) |
| Annual Fee | Yearly charge to keep the card active |
| Interest Rate | Extra money charged if you do not pay full amount on time |
| Late Payment Fee | Extra fee if you miss the due date |
| Overlimit Charge | Fee if you spend more than your limit |
We help you choose cards with zero or low fees, based on your usage.
FAQs – Questions You Might Have
Q: Can I get a card without salary?
Yes. You can take a secured card against FD. Students can also apply with co-signers. ICICI Bank, SBM Bank, and several other banks offer this facility.
Q: What if my CIBIL is low?
Some banks still allow cards. We help you try the best options.
Q: Do I have to pay every month?
Yes, you will get a bill monthly. You must pay it to avoid interest.
Q: Is Grow Rupiz a bank?
No. We are not a bank; we are a financial services advisor. This means we do not issue any loans or cards, but guide you to get the best ones. Plus, we help you with documentation and process so that you can get the the best and most appropriate one as soon as possible.
Q: Can I get a loan on behalf of a credit card?
Yes, you can get a loan on behalf of your card. Several banks offer pre-approved loans on their credit cards.
