Learn Credit Cards

Master the basics of credit cards, interest rates, and smart usage — fast.

Types of Cards Explained

Different credit cards serve different purposes. Choose the one that best matches your spending habits and financial goals.

Cashback Cards

Earn cash rewards on your everyday purchases.

Example:

HDFC Millennia gives 5% cashback on Amazon & Flipkart

Key Benefits:

  • Direct cash rewards
  • No reward point conversion needed
  • Simple to understand and use

Rewards Cards

Earn points that can be redeemed for various rewards.

Example:

Amex Membership Rewards points can be used for travel, shopping, and more

Key Benefits:

  • Flexible reward options
  • Higher value on premium categories
  • Welcome bonus points

Travel Cards

Specialized cards for frequent travelers with travel-specific benefits.

Example:

HDFC Regalia offers airport lounge access and travel insurance

Key Benefits:

  • Airport lounge access
  • Travel insurance
  • Air miles and hotel points

Lifetime Free Cards

No annual fee cards, perfect for beginners.

Example:

ICICI Amazon Pay Card offers cashback with no annual fee

Key Benefits:

  • No annual fees
  • Basic rewards program
  • Good for building credit history

Choosing the Right Card

  • Consider your spending patterns and lifestyle
  • Compare rewards and benefits across different cards
  • Check if the annual fee is worth the benefits
  • Look for cards that offer welcome bonuses

Still Confused? Ask Buddy 👇

AI
Hello! I can help you find the perfect credit card. What are you looking for?