Best credit cards to apply for in 2023

Best Bad Credit Credit Cards of January 2023 | NextAdvisor with TIME

India has seen tremendous growth when it comes to credit card spending in a year. Earlier, users often saw credit cards as a wrong financial decision. However now, credit card companies are breaking that stereotype by offering lucrative offers and setting up an excellent reward points system in place. 

Thanks to these changes, the user perspective in India toward credit cards is rapidly changing. Almost every bank in India offers a variety of credit cards starting with specific entry-level credit cards for beginners to premium credit cards for veterans in the field. With options these many, users are bound to get confused! 

If you are looking to get your first or a new credit card, we bet you are exhausted by the constant research required for getting the perfect credit card for yourself. Since every credit card has its unique set of offerings, the ‘one size fits all’ theory doesn’t work here. Therefore, today we are listing a few credit cards which you can apply for in 2023. 

List of best credit cards to apply for in 2023

Below credit cards currently have the best offerings in the market. Remember what might suit another user may not be a good option for you. Analyze the benefits, your purchase patterns, limits, and other important factors carefully to make the right choice. 

Airtel Axis Bank Credit Card

The newly launched Airtel Axis Bank credit card is already making head turns with its promise of saving up to 18,000 per year, thanks to its unique offerings. It has various forms of direct cashback. Let’s take a look at those.

  • 25% cashback on Airtel bills and recharges
  • 10% cashback on payments via the Airtel Thanks app
  • 10% cashback on food and lifestyle apps (select apps)
  • 1% unlimited cashback on every other spending

Other than these, you can also enjoy the following benefits:

  • Complimentary Airport Lounge Access (4 times a year)
  • 20% discount on 4000+ restaurants
  • 1% surcharge waiver on fuel every month

Additionally, the first-year Annual fee of Rs. 500 is waived. If you spend more than 2 lakhs using the card in the second year, the fee will be removed again. 

You can apply for the Airtel Axis credit card and a personal loan from the Airtel Thanks app’s shop section. 

Another credit card worth considering is the Flipkart Axis Bank Credit card. 

Flipkart Axis Bank Credit Card

The offerings by the Flipkart Axis Bank credit card are almost similar to the Airtel Axis credit card in terms of fuel surcharge waiver, 20% discount for dining, and 4 airport lounge access per year. 

The Annual fee is Rs. 500 which can be realized with a free Rs. 500 coupon given to all users after their first transaction. You will also get 5% cash back on Flipkart 2GUD and Myntra.

IDFC FIRST Millenia Credit Card

The card has zero annual and joining fees. It provides cashbacks on shopping just like any other card. What sets it apart is its interest-free cash withdrawal for 48 days. Although every cash transaction will come with a hefty cash advance fee of Rs. 250.

Other than that, the credit card has a good reward point system

Go through these credit cards, head to the issuer’s portal, and apply for them today. A good credit score will help you process the application faster. Good Luck!

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