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What is a Credit Card and How Does It Work?
  • A credit card is a financial tool that lets you borrow money from a bank to make purchases and pay later. providing a faster and more user-friendly experience that lets you spend money on credit, meaning you pay later, not immediately.
HDFC Millennia Credit Card
  • Cashback-focused card ideal for online shopping and daily spends
  • Earn 5% cashback (capped at ₹1,000/month) on top brands
  • Additional savings through HDFC sale offers + milestone rewards
HDFC MoneyBack Plus Credit Card
  • Entry-level rewards card ideal for daily & household spending
  • Earn 10X CashPoints (~3.3% value) on popular merchants
  • Low annual fee with easy waiver at ₹50,000 yearly spend
Swiggy Ornge HDFC Bank Credit Card
  • Co-branded cashback card designed for Swiggy + online spending
  • Flat 5% cashback (capped at ₹1,500/month) on Swiggy & major apps
  • Auto cashback (no redemption needed) → very beginner-friendly
HSBC Live+ Credit Card
  • High cashback card with 10% cashback on dining, groceries & food delivery
  • 1.5% unlimited cashback on most other spends
  • ₹999 annual fee waived on ₹2L yearly spend
How to Check Your Credit Card Eligibility Before Applying for Any Card
  • Applying for a credit card without checking your eligibility can lead to rejection and may impact your TransUnion CIBIL score. Banks clearly list Eligibility Criteria for each card on their websites, but many people overlook them.